Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2010 • EIN 38-6119310

Jan 01, 2010 to Dec 31, 2010 • Filed on Apr 23, 2011

Organization Profilewww.myrivervalleycu.org

View Organization Page

PO Box 49349301
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

2010 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets63rd percentile

Assets

$58,806,190

No earlier filing loaded for comparison.

Net Assets

$5,744,018

No earlier filing loaded for comparison.

Liabilities

$53,062,172

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$3,024,221

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$150M$100M$50M$0Assets 2010: $58,806,190Liabilities 2010: $53,062,172Net Assets 2010: $5,744,0182010Assets 2011: $64,595,352Liabilities 2011: $58,603,270Net Assets 2011: $5,992,0822011Assets 2012: $68,297,968Liabilities 2012: $61,874,954Net Assets 2012: $6,423,0142012Assets 2013: $71,694,854Liabilities 2013: $64,890,184Net Assets 2013: $6,804,6702013Assets 2014: $83,364,617Liabilities 2014: $75,726,153Net Assets 2014: $7,638,4642014Assets 2015: $84,833,543Liabilities 2015: $76,868,741Net Assets 2015: $7,964,8022015Assets 2016: $89,955,004Liabilities 2016: $83,362,156Net Assets 2016: $6,592,8482016Assets 2017: $89,464,269Liabilities 2017: $82,246,723Net Assets 2017: $7,217,5462017Assets 2018: $91,555,314Liabilities 2018: $83,816,523Net Assets 2018: $7,738,7912018Assets 2019: $92,161,008Liabilities 2019: $83,651,730Net Assets 2019: $8,509,2782019Assets 2020: $112,413,060Liabilities 2020: $104,175,095Net Assets 2020: $8,237,9652020Assets 2021: $126,081,454Liabilities 2021: $116,746,471Net Assets 2021: $9,334,9832021Assets 2022: $128,937,343Liabilities 2022: $117,373,484Net Assets 2022: $11,563,8592022Assets 2023: $120,399,657Liabilities 2023: $107,571,390Net Assets 2023: $12,828,2672023

Highlighted filing

2010

Assets$58,806,190
Liabilities$53,062,172
Net Assets$5,744,018
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,024,2212010Expenses 2011: $2,732,9172011Revenue 2012: $3,133,163Expenses 2012: $2,702,231Net Income 2012: $430,9322012Revenue 2013: $3,268,512Expenses 2013: $2,886,856Net Income 2013: $381,6562013Revenue 2014: $3,341,624Expenses 2014: $3,073,481Net Income 2014: $268,1432014Revenue 2015: $3,977,819Expenses 2015: $3,651,481Net Income 2015: $326,3382015Revenue 2016: $4,179,922Expenses 2016: $5,551,876Net Income 2016: -$1,371,9542016Revenue 2017: $4,404,689Expenses 2017: $3,779,991Net Income 2017: $624,6982017Revenue 2018: $4,642,594Expenses 2018: $4,121,349Net Income 2018: $521,2452018Revenue 2019: $4,886,643Expenses 2019: $4,116,156Net Income 2019: $770,4872019Revenue 2020: $4,765,360Expenses 2020: $5,036,673Net Income 2020: -$271,3132020Revenue 2021: $4,948,974Expenses 2021: $3,851,956Net Income 2021: $1,097,0182021Revenue 2022: $6,576,697Expenses 2022: $4,347,821Net Income 2022: $2,228,8762022Revenue 2023: $6,251,594Expenses 2023: $4,907,186Net Income 2023: $1,344,4082023

Highlighted filing

2010

Revenue-
Expenses$3,024,221
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Apr 23, 2011
Return Version
2010v3.2
Gross Receipts
$3,228,701
Mission and Program Overview

Mission

Provide financial services and products to members.

Major Activities

Activity 2
The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2010 was 4,159.
Filing and Contact Details

Filer

EIN
38-6119310
Raw XML AppendixShowing 400 of 465 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY0272282
IRS990/AccountsPayableAccruedExpenses/EOY0417323
IRS990/AccountsReceivable/EOY00
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2010 was 4,159.
IRS990/ActivityOrMissionDescription0Provide co-op financial services and products to members.
IRS990/AddressPrincipalOfficerUS/AddressLine10PO Box 493
IRS990/AddressPrincipalOfficerUS/City0Ada
IRS990/AddressPrincipalOfficerUS/State0MI
IRS990/AddressPrincipalOfficerUS/ZIPCode049301
IRS990/Advertising/Total035050
IRS990/AllAffiliatesIncluded0false
IRS990/AllOtherExpenses/Total00
IRS990/AnnualDisclosureCoveredPersons0true
IRS990/AuditCommittee0false
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsToMembers/Total00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY01453598
IRS990/CashNonInterestBearing/EOY01310989
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total0317991
IRS990/CompDisqualPersons/Total00
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0true
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total00
IRS990/ConflictOfInterestPolicy0true
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine105050 Kingsley Dr
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine11600 28th Street SE Suite 100
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City0Cincinnati
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City1Grand Rapids
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State0OH
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State1MI
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode045227
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode149546
IRS990/ContractorCompensation/Compensation0199913
IRS990/ContractorCompensation/Compensation1232438
IRS990/ContractorCompensation/DescriptionOfServices0Card\ATM Services
IRS990/ContractorCompensation/DescriptionOfServices1Data Processing
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine10Fifth Third Process Solutions
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine11CU Answers
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total0151119
IRS990/DescribedIn501C30false
IRS990/Description0The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2010 was 10,136.
IRS990/DisregardedEntity0false
IRS990/DistributionToDonor0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/EscrowAccount0false
IRS990/ExcessBenefitTransaction0false
IRS990/ExcessBusinessHoldings0false
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditPerformed0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total027129
IRS990/FeesForServicesInvstMgmntFees/Total00
IRS990/FeesForServicesLegal/Total038872
IRS990/FeesForServicesLobbying/Total00
IRS990/FeesForServicesManagement/Total00
IRS990/FeesForServicesOther/Total02820
IRS990/FeesForServicesProfFundraising/Total00
IRS990/FiledLieu10410false
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignGrants/Total00
IRS990/ForeignOffice0false
IRS990/Form720Filed0false
IRS990/Form8886TFiled0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek040.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek12.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek22.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek340.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek42.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek540.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek62.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek72.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek82.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek940.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek102.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek112.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek122.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector7X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector8X
IRS990/Form990PartVIISectionA/NamePerson0Teresa Cummings
IRS990/Form990PartVIISectionA/NamePerson1Stephanie Birman
IRS990/Form990PartVIISectionA/NamePerson2Mark Haff
IRS990/Form990PartVIISectionA/NamePerson3Krista Huver
IRS990/Form990PartVIISectionA/NamePerson4Judy Beal
IRS990/Form990PartVIISectionA/NamePerson5Janelle Higgison
IRS990/Form990PartVIISectionA/NamePerson6James Swigart
IRS990/Form990PartVIISectionA/NamePerson7James Detrick
IRS990/Form990PartVIISectionA/NamePerson8James De Korte
IRS990/Form990PartVIISectionA/NamePerson9Eric Phillips
IRS990/Form990PartVIISectionA/NamePerson10Barbara Rush
IRS990/Form990PartVIISectionA/NamePerson11Barbara Pearson
IRS990/Form990PartVIISectionA/NamePerson12Barbara Cooper
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/Officer3X
IRS990/Form990PartVIISectionA/OtherCompensation013415
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation313594
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation58824
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/OtherCompensation912750
IRS990/Form990PartVIISectionA/OtherCompensation100
IRS990/Form990PartVIISectionA/OtherCompensation110
IRS990/Form990PartVIISectionA/OtherCompensation120
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization062336
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization363421
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization590773
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization80
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization952878
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization100
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization110
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization120
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs100
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs110
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs120
IRS990/Form990PartVIISectionA/Title0VP Operations
IRS990/Form990PartVIISectionA/Title1Director
IRS990/Form990PartVIISectionA/Title2Director
IRS990/Form990PartVIISectionA/Title3Executive VP
IRS990/Form990PartVIISectionA/Title4Secretary
IRS990/Form990PartVIISectionA/Title5CEO
IRS990/Form990PartVIISectionA/Title6Director
IRS990/Form990PartVIISectionA/Title7Director
IRS990/Form990PartVIISectionA/Title8V Chair
IRS990/Form990PartVIISectionA/Title9VP Mktg & IT
IRS990/Form990PartVIISectionA/Title10Director
IRS990/Form990PartVIISectionA/Title11Chairperson
IRS990/Form990PartVIISectionA/Title12Director
IRS990/Form990ProvidedToGoverningBody0true
IRS990/Form990-TFiled0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToDomesticIndividuals/Total00
IRS990/GrantsToDomesticOrgs/Total00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts03228701
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total0257063
IRS990/Insurance/Total00
IRS990/IntangibleAssets/EOY00
IRS990/Interest/Total0388458
IRS990/InventoriesForSaleOrUse/EOY00
IRS990/InvestmentIncomeCurrentYear0253644
IRS990/InvestmentIncomePriorYear0305142
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome0253644
IRS990/InvestmentIncome/TotalRevenueColumn0253644
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsOtherSecurities/BOY04778079
IRS990/InvestmentsOtherSecurities/EOY06576696
IRS990/InvestmentsProgramRelated/EOY00
IRS990/InvestmentsPubTradedSecurities/EOY00
IRS990/InvestTaxExemptBonds0false
IRS990/LandBldgEquipmentAccumDeprec01274772
IRS990/LandBuildingsEquipmentBasis03056700
IRS990/LandBuildingsEquipmentBasisNet/BOY01924132
IRS990/LandBuildingsEquipmentBasisNet/EOY01781928
IRS990/LicensedMoreThanOneState0false
IRS990/LoanToOfficerOrDQP0false
IRS990/LobbyingActivities0false
IRS990/LocalChapters0true
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0Provide co-op financial services and products to members.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Janelle Higgison
IRS990/NbrIndependentVotingMembers09
IRS990/NbrVotingGoverningBodyMembers09
IRS990/NbrVotingMembersGoverningBody09
IRS990/NetAssetsOrFundBalancesBOY05539538
IRS990/NetAssetsOrFundBalancesEOY05744018
IRS990/NetGainOrLossInvestments/TotalRevenueColumn00
IRS990/NetIncomeFromFundraisingEvents/TotalRevenueColumn00
IRS990/NetIncomeFromGaming/TotalRevenueColumn00
IRS990/NetIncomeOrLoss/TotalRevenueColumn00
IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn00
IRS990/NonDeductibleContributions0false
IRS990/NonDeductibleDisclosure0false
IRS990/NumberFormsTransmittedWith1096010008
IRS990/NumberIndependentVotingMembers09
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfContractorsGT100K02
IRS990/NumberOfEmployees034
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total0107349
IRS990/OfficeExpenses/Total0286746
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/OnBehalfOfIssuer0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY02246498
IRS990/OtherAssetsTotal/EOY02257661
IRS990/OtherEmployeeBenefits/Total0173549
IRS990/OtherExpensePriorYear01978351
IRS990/OtherExpensesCurrentYear01837084
IRS990/OtherExpenses/Description0Provision for Loan Losses
IRS990/OtherExpenses/Description1NCUA Stabilization Expense
IRS990/OtherExpenses/Description2MCSD Write-down
IRS990/OtherExpenses/Description3Loan Servicing Expenses
IRS990/OtherExpenses/Description4ATM Expense
IRS990/OtherExpenses/Total059690
IRS990/OtherExpenses/Total1140161
IRS990/OtherExpenses/Total237383
IRS990/OtherExpenses/Total372111
IRS990/OtherExpenses/Total4205686
IRS990/OtherLiabilities/BOY047944688
IRS990/OtherLiabilities/EOY052644849
IRS990/OtherNotesLoansReceivableNet/BOY033612563
IRS990/OtherNotesLoansReceivableNet/EOY032950304
IRS990/OtherRevenueCurrentYear068788
IRS990/OtherRevenueMisc/BusinessCode0524298
IRS990/OtherRevenueMisc/BusinessCode1524298
IRS990/OtherRevenueMisc/BusinessCode2525990
IRS990/OtherRevenueMisc/Description0Insurance Reimbursements
IRS990/OtherRevenueMisc/Description1GAP insurance Income
IRS990/OtherRevenueMisc/Description2ATM Surcharge
IRS990/OtherRevenueMisc/TotalRevenueColumn044306
IRS990/OtherRevenueMisc/TotalRevenueColumn114150
IRS990/OtherRevenueMisc/TotalRevenueColumn210332
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue044306
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue114150
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue210332
IRS990/OtherRevenuePriorYear069484
IRS990/OtherSalariesAndWages/Total0564667
IRS990/PartialLiquidation0false
IRS990/PaymentsToAffiliates/Total00
IRS990/PayrollTaxes/Total085409
IRS990/PensionPlanContributions/Total045521
IRS990/PledgesAndGrantsReceivable/EOY00
IRS990/PoliciesReferenceChapters0true
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY097718
IRS990/PrepaidExpensesDeferredCharges/EOY070332
IRS990/PriorExcessBenefitTransaction0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenue/BusinessCode3522100
IRS990/ProgramServiceRevenue/BusinessCode4522100
IRS990/ProgramServiceRevenueCY02906269
IRS990/ProgramServiceRevenue/Description0Share & Overdraft Fees
IRS990/ProgramServiceRevenue/Description1Other Program Income
IRS990/ProgramServiceRevenue/Description2Interest on Loans
IRS990/ProgramServiceRevenue/Description3Interchange Income
IRS990/ProgramServiceRevenue/Description4Fees & Charges
IRS990/ProgramServiceRevenuePriorYear02945153
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome0311033
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome1120515
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome21971691
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome3333073
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome487973
IRS990/ProgramServiceRevenue/TotalRevenueColumn0311033
IRS990/ProgramServiceRevenue/TotalRevenueColumn1120515
IRS990/ProgramServiceRevenue/TotalRevenueColumn21971691
IRS990/ProgramServiceRevenue/TotalRevenueColumn3333073
IRS990/ProgramServiceRevenue/TotalRevenueColumn487973
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReceivablesFromDisqualPersons/EOY00
IRS990/ReceivablesFromOfficersEtc/EOY00
IRS990/ReconcilationRevenueExpenses0204480
IRS990/RegularMonitoringEnforcement0true
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0true
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY05539538
IRS990/RetainedEarningsEndowmentEtc/EOY05744018
IRS990/RevenuesLessExpensesCY0204480
IRS990/RevenuesLessExpensesPriorYear0211751
IRS990/RoyaltiesRevenue/TotalRevenueColumn00
IRS990/Royalties/Total00
IRS990/SalariesEtcCurrentYear01187137
IRS990/SalariesEtcPriorYear01129677
IRS990/SavingsAndTempCashInvestments/BOY09643920
IRS990/SavingsAndTempCashInvestments/EOY013858280
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue0855006
IRS990ScheduleD/Buildings/Depreciation0194261
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis01049267
IRS990ScheduleD/Land/BookValue0464538
IRS990ScheduleD/Land/OtherCostOrOtherBasis0464538
IRS990ScheduleD/LeaseholdImprovements/BookValue0334108
IRS990ScheduleD/LeaseholdImprovements/Depreciation0383566
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis0717674
IRS990ScheduleD/OtherLandBuildings/BookValue0128276
IRS990ScheduleD/OtherLandBuildings/Depreciation0696945
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0825221
IRS990ScheduleD/OtherLiabilities/Amount027124757
IRS990ScheduleD/OtherLiabilities/Amount125520092
IRS990ScheduleD/OtherLiabilities/Description0Member Share Accounts
IRS990ScheduleD/OtherLiabilities/Description1Member Deposit Accounts
IRS990ScheduleD/TotalOfAmounts052644849
IRS990ScheduleD/TotalOfBookValueLandBuildings01781928
IRS990ScheduleD/TotalOfBookValueSecurities06576696
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0Documents are posted in lobby for public inspection. Copies are furnished upon request.
IRS990ScheduleO/GeneralExplanation/Explanation1Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/GeneralExplanation/Explanation2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are governed by NCUA guidelines. Board members do not vote on related issues.
IRS990ScheduleO/GeneralExplanation/Explanation3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation5Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MI
IRS990/SubjectToProxyTax0false
IRS990/TaxableDistributions0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10PO Box 493
IRS990/TheBooksAreInCareOf/AddressUS/City0Ada
IRS990/TheBooksAreInCareOf/AddressUS/State0MI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode049301
IRS990/TheBooksAreInCareOf/NamePerson0Janelle Higgison
IRS990/TheBooksAreInCareOf/TelephoneNumber06167877481
IRS990/TotalAssets/BOY053756508
IRS990/TotalAssetsBOY053756508
IRS990/TotalAssets/EOY058806190
IRS990/TotalAssetsEOY058806190
IRS990/TotalCompGT150K0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$58,806,190
Liabilities
$53,062,172
Net assets
$5,744,018
Revenue
-
Expenses
$3,024,221
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$120$108$12.8$6.25$4.91$1.34
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$129$117$11.6$6.58$4.35$2.23
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$126$117$9.33$4.95$3.85$1.10
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$112$104$8.24$4.77$5.04$0.27
2019Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$92.2$83.7$8.51$4.89$4.12$0.77
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$91.6$83.8$7.74$4.64$4.12$0.52
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$89.5$82.2$7.22$4.40$3.78$0.62
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.0$83.4$6.59$4.18$5.55$1.37
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$84.8$76.9$7.96$3.98$3.65$0.33
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$83.4$75.7$7.64$3.34$3.07$0.27
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$71.7$64.9$6.80$3.27$2.89$0.38
2012Summary only. Only limited summary data is available for this year.$68.3$61.9$6.42$3.13$2.70$0.43
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.6$58.6$5.99$2.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.8$53.1$5.74$3.02
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2010 filings • 501(c)14 • $50M-$100M nonprofits