2024-03-01T12:51:33-05:00 2022-12-31 383133790 ANDREWS HOOPER PAVLIK PLC 5300 GRATIOT RD SAGINAW MI 486386035 990 2022-01-01 381435020 COPOCO COMMUNITY CREDIT UNION COPO 9896841873 PO BOX 1520 BAY CITY MI 487060520 DOREEN SMITH CEO/TREASURER 9896841873 2024-02-28 true DOREEN SMITH 999009999 false KEVIN B HUNT P01830636 9894975300 2024-02-28 2022 2023-04-26 12:10:37Z DOREEN SMITH PO BOX 1520 BAY CITY MI 487060520 5854821 false X WWW.COPOCO.ORG X 1951 MI MEMBER OWNERS WITH A COMMON BOND 7 6 50 8 17648 0 3781914 3907924 850987 926246 43388 34650 4676289 4868820 0 0 1994611 2019755 0 0 2513370 2366169 4507981 4385924 168308 482896 120251871 116275135 112313725 112031226 7938146 4243909 TO PROVIDE EXCELLENCE IN SERVICE, HELPING EACH MEMBER REALIZE THEIR FINANCIAL GOALS AND DREAMS. false false THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2022 WAS 9,847. 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 12/31/2022 WAS 5,871. THE CREDIT UNION OFFERS ATM SERVICES, CHECK CASHING, WIRE TRANSFERS, INSURANCE/INVESTMENT SALES, BILL PAY, OVERDRAFT/COURTSEY PAY, FINANCIAL EDUCATION, GIFT CARDS, MONEY ORDERS, AND ELECTRONIC FUND TRANSFERS TO ALL ELIGIBLE MEMBERS. false false false false false false false false false true true false false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 1284 0 true 50 true true true false false false false false false false X 7 6 false false false false true true false true true false true true false true true true true true true true false X KENDRA CHRISTENSEN 9896841873 PO BOX 1520 BAY CITY MI 487060520 DOREEN SMITH CEO/TREASURE 40.00 X X 115765 0 18419 LINDA DOAN PRIOR CEO 40.00 X X 114642 0 26 KENDRA CHRISTENSEN COO 40.00 X 77771 0 5927 MERI SUE ENGERS DIRECTOR 1.00 X 0 0 0 SEAN KELLY SECRETARY 1.00 X X 0 0 0 TREVOR KEYES DIRECTOR 1.00 X 0 0 0 HAROLD MILLER DIRECTOR 1.00 X 0 0 0 ALAN SHURKEY CHAIRPERSON 1.00 X X 0 0 0 JOHN TIPPMAN VICE CHAIR 1.00 X X 0 0 0 308178 24372 2 false false false FISERV PO BOX 934057 ATLANTA GA 311934057 DATA PROCESSING 232833 1 LOAN INTEREST INCOME 522100 2418702 2418702 FEE INCOME 524298 1471574 1471574 NON MEMBER ATM FEES 524298 10808 10808 INSURANCE REIMBURSEMENTS 525990 6840 6840 3907924 929581 929581 34650 34650 34650 34650 982666 986000 1 -3334 -1 -3335 -3335 4868820 3921591 17648 929581 346194 346194 1107205 1107205 246815 246815 215748 215748 103793 103793 67289 67289 57023 57023 16453 16453 336025 336025 115832 115832 245332 245332 362245 362245 302696 302696 16814 16814 122193 122193 149737 149737 34816 34816 LOAN SERVICING 322022 322022 ATM FEES 142794 142794 POSTAGE/SHIPPING 42610 42610 COLLECTION EXP 19389 19389 12899 12899 4385924 4385924 0 0 2478904 301595 13699600 8038344 314709 827849 64476 48848709 55778648 298689 197549 3483437 3565793 3483437 2679650 2690410 46920530 43693771 1380811 1263532 120251871 116275135 1212381 3827020 111101344 108204206 112313725 112031226 X 7938146 4243909 7938146 4243909 120251871 116275135 482896 -4177133 X false true X true false 527204 527204 2817797 2817797 138436 138436 3483437 43693771 F 43693771 MEMBER SHARES & DEPOSITS 108204206 108204206 FORM 990, PAGE 6, PART VI, LINE 6 SECTION 501(C)(14) CREDIT UNION IS COMPOSED OF MEMBERS. FORM 990, PAGE 6, PART VI, LINE 7A MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING. FORM 990, PAGE 6, PART VI, LINE 11B MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-EO TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING. FORM 990, PAGE 6, PART VI, LINE 12C EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE CREDIT COMMITTEE. FORM 990, PAGE 6, PART VI, LINE 15B EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED. FORM 990, PAGE 6, PART VI, 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.