2026-05-13T20:12:32-05:00 2025-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVE STE 303 MIAMI FL 33193 990 2025-01-01 381844068 CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN COMMUNITY WEST CREDIT UNION CRED 6162615657 5801 BROADMOOR AVE SE KENTWOOD MI 49512 ADAM NORTON CFO 6162615657 2026-05-13 1 AUBREY CLEGG P01076395 3052328272 2025 2025-03-06 01:10:19Z COMMUNITY WEST CREDIT UNION ADAM NORTON 5801 BROADMOOR AVE SE KENTWOOD MI 49512 14619656 0 1359 X HTTPS://WWW.COMMUNITYWESTCU.ORG/ X 1967 MI STATE CHARTERED CREDIT UNION - WE PROVIDE A FULL RANGE OF AFFORDABLE DEPOSITORY AND LENDING SERVICES TO MEMBERS THROUGH 6 BRANCH LOCATIONS, 10 ATM'S, TELEPHONE-BASED ACCESS, INTERNET BASED ACCESS, AND MOBILE ACCESS. 8 8 75 8 17777 0 0 0 12276926 12175517 2386062 2444139 0 0 14662988 14619656 0 0 0 0 5445323 5283059 0 0 0 9209501 8753822 14654824 14036881 8164 582775 244701744 248652832 230154719 230821161 14547025 17831671 X AS A STATE CHARTERED CREDIT UNION, WE PROVIDE COMPETITIVE RATES FOR OUR DEPOSITS AND LOANS. WE PROVIDE A FULL RANGE OF AFFORDABLE FINANCIAL SERVICES MEETING MOST PEOPLES' NEEDS. OUR GOAL IS TO BECOME THE PRIMARY FINANCIAL SERVICE PROVIDER FOR THE MAJORITY OF OUR MEMBERSHIP. BY USING OUR CAPITAL EFFECTIVELY, WE WILL PROVIDE APPROPRIATE INCOME LEVELS AND GENERATE A POSITIVE RETURN ON ASSETS. 0 1 INTEREST PAID TO MEMBERS DEPOSITS, IRAS AND CERTIFICATES. THE PURPOSE IS TO PROVIDE INTEREST-BEARING SAVING DEPOSIT SERVICES TO OUR MEMBERS. LOAN SERVICING COSTS FOR LENDING PRODUCTS TO OUR MEMBERS. DATA PROCESSING EXPENSES REQUIRED TO PROVIDE LOAN AND DEPOSIT SERVICES TO OUR MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 8721 0 1 75 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 0 1 1 0 0 X ADAM NORTON 6162615657 THE 5801 BROADMOOR AVE SE KENTWOOD MI 49512 PAMELA HOVE BOARD CHAIRPERSON 2.00 X 0 0 0 BILL JONES BOARD VICE CHAIRPERSON 2.00 X 0 0 0 SHAWN MILLER BOARD DIRECTOR 2.00 X 0 0 0 BERNARD ZAHM BOARD TREASURER 2.00 X 0 0 0 ZACHARY CHALTRY BOARD DIRECTOR 2.00 X 0 0 0 LISA KNAPP BOARD SECRETARY 2.00 X 0 0 0 PHILLIP MINSTER BOARD DIRECTOR 2.00 X 0 0 0 ANGIE PAAUWE BOARD DIRECTOR 2.00 X 0 0 0 HEIDI HUNT CEO 40.00 X 292726 0 35856 ZACHARIAH ADAM NORTON CFO 40.00 X 154496 0 31570 KAREN VANTIL COO 40.00 X 152496 0 24632 ROBERT LISTEN CIO 40.00 X 148409 0 30619 JENNIFER HARVEY VP OF LEGAL & LOSS PREVENTION 40.00 X 115753 0 11747 SAMANTHA COTTLE CRO 40.00 X 102440 0 24548 966320 0 158972 6 0 1 0 MASTERCARD 2000 PURCHASE STREET PURCHASE NY 10577 CARD PROCESSOR 459672 CUANSWERS 6000 28TH STREET SE GRAND RAPIDS MI 49546 DATA PROCESSOR 413296 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CARD PROCESSOR 172934 DEFENSESTORM 1725 WINDWARD CONCOURSE 425 ALPHARETTA GA 30005 CYBER SECURITY 121858 CHARLES HIEMSTRA 125 OTTAWA AVE NW 310 GRAND RAPIDS MI 49503 COLLECTIONS ATTORNEY 110622 5 LOAN INTEREST 522100 8710447 8710447 FEES, CHARGES, AND OTHER 522100 3447293 3447293 FINANCE & INSURANCE 520000 17777 17777 12175517 2444139 2444139 14619656 14601879 17777 0 X 691776 3420895 158694 747935 263759 128736 148975 87241 220016 1302389 363329 417485 13184 72714 3815742 24317 506096 85189 LOAN SERVICING EXPENSE 936562 PROVISION FOR LOAN LOSS 377410 ATM EXPENSE 185281 FRAUD EXPENSE 38876 30280 14036881 1694888 1534343 26313012 23978486 212146 385586 142119999 145370278 415262 659227 11715752 2367633 9773267 9348119 56877969 60720732 1573700 1324700 17408 5704093 5331361 244701744 248652832 2361851 2048362 4096931 3147806 223695937 225624993 230154719 230821161 X 0 0 0 0 14547025 17831671 14547025 17831671 244701744 248652832 582775 2701871 0 X X 0 1 X 1 0 1435987 1435987 8684283 1357155 7327128 1518065 955858 562207 77417 54620 22797 9348119 SHARE ACCOUNTS 74416201 MONEY MARKET ACCOUNTS 57382457 INDIVIDUAL RETIREMENT ACCOUNTS 1789530 SHARE DRAFT ACCOUNTS 48240095 CERTIFICATES OF DEPOSIT AND IRA CERTIFICATES 43796710 225624993 X 14619656 0 14619656 0 14619656 14036881 0 14036881 0 14036881 PART X, LINE 2: THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. X X X 0 0 0 HEIDI HUNT CEO 239187 0 43929 0 9610 0 11661 0 24195 0 328582 0 0 0 ZACHARIAH ADAM NORTON CFO 144672 0 9716 0 108 0 5404 0 26166 0 186066 0 0 0 ROBERT LISTEN CIO 132102 0 15787 0 520 0 6424 0 24195 0 179028 0 0 0 KAREN VANTIL COO 135521 0 15787 0 1188 0 6424 0 18208 0 177128 0 0 0 FORM 990, PART III, LINE 3 THE CREDIT UNION NO LONGER OFFERS A REWARDS CREDIT CARD. FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS. APPOINTED MEMBERSHIP OFFICERS APPROVE APPLICATIONS FOR MEMBERSHIP FROM ELIGIBLE PERSONS. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS ARE INVITED TO ATTEND AN ANNUAL MEETING TO ELECT INDIVIDUALS STANDING FOR ELECTION TO THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B ANY BUSINESS ORGANIZATION CHANGES REQUIRE APPROVAL BY THE MEMBERS. FORM 990, PART VI, SECTION B, LINE 11B THE INFORMATION REQUIRED TO PREPARE FORM 990 IS GATHERED BY THE CFO AND PROVIDED TO THE PAID PREPARER. THE COMPLETED FORM 990 IS REVIEWED BY THE CFO PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C THE CONFLICT OF INTEREST POLICY IS IN THE EMPLOYEE HANDBOOK, WHICH IS REVIEWED AND SIGNED BY THE EMPLOYEE WHEN HIRED AND THEN ANNUALLY THEREAFTER. FORM 990, PART VI, SECTION B, LINE 15A COMPENSATION FOR THE CEO IS DETERMINED BY THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS USES A SALARY COMPARISON REPORT PERIODICALLY TO DETERMINE THE CEO'S SALARY. WE USE A THIRD PARTY VENDOR, BALANCED COMP, TO DETERMINE THE PAY VIA COMPARATIO WHICH IS DETERMINED BY PEER, ASSET SIZE, AND LOCATION FOR ALL STAFF MEMBERS. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. THE CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON WWW.NCUA.GOV VIA THE QUARTERLY 5300 FILING. ADDITIONALLY, OUR STATEMENT OF FINANCIAL CONDITION IS POSTED IN THE LOBBY OF EACH BRANCH. FORM 990, PART IX, LINE 11G CONSULTING/TEMPORARY SERVICES 87,241. FORM 990, PART IX, LINE 24E MISC. 30,280. FORM 990, PART XII, LINE 2C: THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR. COMMUNITY WEST LEGACY FOUNDATION 5801 BROADMOOR AVE SE KENTWOOD MI 49512 870819573 DEVELOPING AND SUPPORTING CHARITABLE ORGANIZATIONS MI 501(C)(3) LINE 10 COMMUNITY WEST CREDIT UNION 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0