2026-05-13T21:49:00-07:00 2025-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2025-01-01 381489465 EMBERS CREDIT UNION EMBE 9062287080 601 S MCCLELLAN AVE MARQUETTE MI 49855 JENNIFER STEMPKI CFO 2026-05-13 true Thomas Cvinar P00743293 8005225820 2025 2025-03-06 01:10:19Z TOM BLAKE 33820145 false X https://embers.org X 1953 MI SPARK OPPORTUNITIES. LIGHT UP COMMUNITIES. 11 11 171 10 40828 0 27289420 30135990 2602416 3684155 0 29891836 33820145 6000 0 9915148 10235535 0 0 17922345 18152023 27837493 28393558 2054343 5426587 548839668 583615642 494764522 517608958 54075146 66006684 SPARK OPPORTUNITIES. LIGHT UP COMMUNITIES. false false THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2025 WAS 32,332. 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 12/31/2025 WAS 28,223. false false false false false false false false false true false false false true false false false false false false false false false false false false false true true false false false false false false false false false false false false false false true 11342 0 true 171 true true true false false false false false false false X 11 11 false false true false true true true true true false true true false true true true false true true true false X JENNIFER STEMPKI 9062288338 601 S MCCLELLAN AVE MARQUETTE MI 49855 THOMAS BLAKE CEO 40.00 0.00 X 574386 0 200781 DAVID BLACK COO 40.00 0.00 X 239184 0 28959 JUSTIN STORE Vice President 40.00 0.00 X 201412 0 27141 JENNIFER STEMPKI CFO 40.00 0.00 X 179137 0 22256 CHARLES NYQUIST Vice President 40.00 0.00 X 142021 0 12614 LAURIE WILLS Vice President 40.00 0.00 X 128793 0 8115 ANN DEMING Vice President 40.00 0.00 X 111200 0 23433 BRENDA LIPPENS CEO 40.00 0.00 37776 0 0 SANDRA VILLA-MOGUSH Treasurer 1.00 0.00 X 0 0 0 KEITH LYNCH Director 1.00 0.00 X 0 0 0 MARK CANALE Director 1.00 0.00 X 0 0 0 TOM VEAR Director 1.00 0.00 X 0 0 0 LEONARD ANGELI Chairman 1.00 0.00 X 0 0 0 BRIAN KULBIEDA Director 1.00 0.00 X 0 0 0 GAIL ANTHONY Director 1.00 0.00 X 0 0 0 KEITH LYNCH Director 1.00 0.00 X 0 0 0 RANDY VANPORTFLIET Director 1.00 0.00 X 0 0 0 CYNTHIA DEPETRO Director 1.00 0.00 X 0 0 0 1613909 323299 7 true true false MEMBER DRIVEN TECHNOLOGIES 30230 ORCHARD LAKE ROAD FARMINGTON HILLS MI 48334 DATA PROCESSING 1008395 MASTERCARD 2000 PURCHASE ST PURCHASE NY 10577 PLASTIC CARD NETWORK 960723 JHA CASR PROCESSING SOLUTIONS PO Box 609 MONNETT MO 65708 PLASTIC CARD PROCESSOR 1196291 SMALL BUSINESS ASSC OF MI 101 S Washington Sq Ste 900 LANSING MI 48933 GROUP HEALTH INSURANCE 734641 TRUSTAGE PO BOX 4653 CAROL STREAM IL 60197 BOND, LIABILITY INSURANCE 222397 13 0 FEES AND OTHER INCOME 522100 6433325 6431225 2100 INSURANCE SALES 524298 8494 8494 INTEREST ON LOANS 522100 23663937 23663937 NON-MEMBER ATM FEES 525990 30234 30234 30135990 3684155 3684155 0 0 0 0 0 0 0 0 33820145 33779317 40828 0 6000 0 0 1899432 0 6471397 322773 918671 623262 0 71294 0 0 0 0 0 432120 3260452 1159240 0 808196 562754 0 0 7641931 28315 849258 97757 LOAN SERVICING EXP 1351145 PROVISION FOR CREDIT LOSS 890000 MISC EXPENSE 493991 PRO SERVICES 363465 142105 28393558 0 0 0 3804105 3783800 60118371 78709483 0 165000 386502 0 0 339130407 367747405 0 665538 659516 20950500 7162878 13787112 13787622 109814508 101027250 2935628 3213725 0 2417664 2220888 16001335 12079451 548839668 583615642 3508936 5441237 491255586 512167721 494764522 517608958 X 54075146 66006684 54075146 66006684 548839668 583615642 5426587 6504951 X false true X false false 1519802 1519802 11528320 2779141 8749179 2759942 2317498 442444 5142436 2066239 3076197 13787622 MEMBER SHARES 512008254 OTHER LIABILITIES 159467 512167721 false 0 0 SCHOLARSHIP 6 6000 X X X X false true false BRENDA LIPPENS CEO 37776 37776 CHARLES NYQUIST Vice President 122861 18200 960 6830 5784 154635 DAVID BLACK COO 210269 27475 1440 11535 17424 268143 JENNIFER STEMPKI CFO 156333 21364 1440 8623 13633 201393 JUSTIN STORE Vice President 176826 23146 1440 9717 17424 228553 THOMAS BLAKE CEO 522654 48561 3171 187148 13633 775167 Form 990, Part VI, Section A, Line 4 DISSOLUTION OF SUPERVISORY COMMITTEE EFFECTIVE 1/2026. Form 990, Part VI, Section A, Line 6 SECTION 501(C)(14) CREDIT UNION IS COMPOSED OF MEMBERS. Form 990, Part VI, Section A, Line 7a MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS BY BALLOT VOTE. Form 990, Part VI, Section A, Line 7b MERGERS WHERE THE CREDIT UNION IS TO BE ACQUIRED ARE VOTED ON BY ENTIRE MEMBERSHIP. Form 990, Part VI, Section B, Line 11b MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING. Form 990, Part VI, Section B, Line 12c EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE. Form 990, Part VI, Section B, Line 15a EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED. Form 990, Part VI, Section B, Line 15b EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED. Form 990, Part VI, Section C, Line 19 CREDIT UNION BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESSIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE CALL REPORTS ARE ALSO AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.