CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN (EIN 38-1644983)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-06-13
IRS object ID: 202441659349301909
Schema version: 2023v5.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2024-06-13T13:55:16-07:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	650152722	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	FINANCIAL STANDARDS GROUP INC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	6447 W HIGHWAY 146	AddressLine1Txt
City	CRESTWOOD	CityNm
State Abbreviation	KY	StateAbbreviationCd
ZIP	40014	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2023-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	381644983	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	TOTAL COMMUNITY CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	TOTA	BusinessNameControlTxt
Phone	3132913300	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	25155 GODDARD RD	AddressLine1Txt
City	TAYLOR	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48180	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	SUSETTE SCHIRM	PersonNm
Person Title	CEO	PersonTitleTxt
Signature	2024-06-13	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	SUSETTE	PersonFirstNm
Person Last	SCHIRM	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (true)	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Donald E Lingerfelt	PreparerPersonNm
PTIN	P00339004	PTIN
Phone	8005225820	PhoneNum

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	0	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd
Federated Assurance Level	FAL1	FederatedAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2023	TaxYr
Build TS	2023-04-26 12:10:37Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	SUSETTE SCHIRM	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	25155 GODDARD RD	AddressLine1Txt
City	TAYLOR	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48180	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$5,537,345	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.TCCU.US	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1960	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	TOTAL COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION COMMITTED TO PROVIDING THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES WITH A FOCUS ON CONVENIENCE, VALUE AND EXCELLENT MEMBER SERVICE.	ActivityOrMissionDesc
Voting Members Governing Body	6	VotingMembersGoverningBodyCnt
Voting Members Independent	6	VotingMembersIndependentCnt
Total Employee	33	TotalEmployeeCnt
Total Volunteers	6	TotalVolunteersCnt
Total Gross UBI	$35,679	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$8,499	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$3,780,971	PYProgramServiceRevenueAmt
CY Program Service Revenue	$4,564,471	CYProgramServiceRevenueAmt
PY Investment Income	$658,178	PYInvestmentIncomeAmt
CY Investment Income	$972,874	CYInvestmentIncomeAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$4,439,149	PYTotalRevenueAmt
CY Total Revenue	$5,537,345	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$1,625,542	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,769,680	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,608,445	PYOtherExpensesAmt
CY Other Expenses	$1,985,434	CYOtherExpensesAmt
PY Total Expenses	$3,233,987	PYTotalExpensesAmt
CY Total Expenses	$3,755,114	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,205,162	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,782,231	CYRevenuesLessExpensesAmt
Total Assets BOY	$98,918,041	TotalAssetsBOYAmt
Total Assets EOY	$98,616,930	TotalAssetsEOYAmt
Total Liabilities BOY	$91,959,054	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$88,996,503	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$6,958,987	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$9,620,427	NetAssetsOrFundBalancesEOYAmt
Mission	TOTAL COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION COMMITTED TO PROVIDING THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES WITH A FOCUS ON CONVENIENCE, VALUE AND EXCELLENT MEMBER SERVICE.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATE AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2023 WAS 6,895.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	THE CREDIT UNION PROVIDES A VARIETY OF LOAN TYPES TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2023 WAS 5,934.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Donor Rstr Or Quasi Endowments	false	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	false	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	888	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	33	EmployeeCnt
Employment Tax Returns Filed	false	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	6	GoverningBodyVotingMembersCnt
Independent Voting Member	6	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Form990 Provided To Gvrn Body	false	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	false	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	false	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	SUSETTE SCHIRM	PersonNm
Phone	3132913300	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	25155 GODDARD RD	AddressLine1Txt
City	TAYLOR	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48180	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (7 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
SUSETTE SCHIRM
President & CEO	40.00	0.00	Yes (X)	$224,805	$0	$52,911
ROBERT MERRIMAN
Chairman	1.00	0.00		$0	$0	$0	Yes (X)
RONALD BRITT
Director	1.00	0.00		$0	$0	$0	Yes (X)
KENNETH NELSON
Treasurer	1.00	0.00		$0	$0	$0	Yes (X)
DONALD MYERS
Director	1.00	0.00		$0	$0	$0	Yes (X)
DENNIS DANVILLE
Director	1.00	0.00		$0	$0	$0	Yes (X)
SANDRA TANNER
Director	1.00	0.00		$0	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$224,805	TotalReportableCompFromOrgAmt
Total Other Compensation	$52,911	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	1	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (4 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
CUANSWERS
6000 28TH STREET SE	GRAND RAPIDS	MI	49546	DATA PROCESSING	$335,656
FISERV
255 FISERV DRIVE	BROOKFIELD	WI	530080979	DEBIT CARD PROCESSOR	$148,259
FIS
323 Riverside Ave	JACKSONVILLE	FL	32202	DEBIT CARD PROCESSOR	$151,704
HAP
3031 W Grand Blvd	DETROIT	MI	48202	MEDICAL INSURANCE	$147,186

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
ATM SURCHARGE FEES	525990	$8,978	$8,978
FEES AND OTHER INCOME	522100	$1,556,286	$26,701	$1,529,585
INTEREST ON LOANS	522100	$2,999,207		$2,999,207

Field	Value	IRS element (for citing)
Total Program Service Revenue	$4,564,471	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$972,874	TotalRevenueColumnAmt
Related Or Exempt Func Income	$972,874	RelatedOrExemptFuncIncomeAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income From Gaming NetIncomeFromGamingGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income Or Loss NetIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,537,345	TotalRevenueColumnAmt
Related Or Exempt Func Income	$5,501,666	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$35,679	UnrelatedBusinessRevenueAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$277,716	TotalAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,170,501	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$57,237	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$160,911	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$103,315	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$2,560	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$55,268	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$172,235	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$226,980	TotalAmt

Royalties RoyaltiesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$95,129	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$50,667	TotalAmt

Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$155,662	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$124,686	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$17,249	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING EXPENSE	$478,058
PRO SERVICES	$430,161
CREDIT LOSS EXPENSE	$131,939
MISC	$27,152

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$17,688	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,755,114	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,000,782	BOYAmt
EOY	$727,368	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$15,212,098	BOYAmt
EOY	$15,893,008	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$84,422	BOYAmt
EOY	$102,408	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$47,625,875	BOYAmt
EOY	$49,146,272	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$53,778	BOYAmt
EOY	$68,947	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$3,632,482	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,043,225	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$2,681,185	BOYAmt
EOY	$2,589,257	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$25,394,677	BOYAmt
EOY	$23,895,580	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$2,987,392	BOYAmt
EOY	$3,751,951	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$3,877,832	BOYAmt
EOY	$2,442,139	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$98,918,041	BOYAmt
EOY	$98,616,930	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,538,890	BOYAmt
EOY	$1,181,251	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$90,420,164	BOYAmt
EOY	$87,815,252	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$91,959,054	BOYAmt
EOY	$88,996,503	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$6,958,987	BOYAmt
EOY	$9,620,427	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$6,958,987	BOYAmt
EOY	$9,620,427	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$98,918,041	BOYAmt
EOY	$98,616,930	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$1,782,231	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,028,852	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$149,643	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$132,941	OtherCostOrOtherBasisAmt
Book Value	$132,941	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,741,207	OtherCostOrOtherBasisAmt
Depreciation	$639,682	DepreciationAmt
Book Value	$2,101,525	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$758,334	OtherCostOrOtherBasisAmt
Depreciation	$403,543	DepreciationAmt
Book Value	$354,791	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$2,589,257	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
OTHER LIABILITIES	$919
SHARES	$87,814,333

Field	Value	IRS element (for citing)
Total Liability	$87,815,252	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	false	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	SUSETTE SCHIRM	PersonNm
Title	President & CEO	TitleTxt
Base Compensation Filing Org	$185,952	BaseCompensationFilingOrgAmt
Bonus Filing Organization	$31,201	BonusFilingOrganizationAmount
Other Compensation Filing Org	$7,652	OtherCompensationFilingOrgAmt
Deferred Compensation Flng Org	$28,557	DeferredCompensationFlngOrgAmt
Nontaxable Benefits Filing Org	$24,354	NontaxableBenefitsFilingOrgAmt
Total Compensation Filing Org	$277,716	TotalCompensationFilingOrgAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (14 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, Line 6	THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
Form 990, Part VI, Section A, Line 7a	CREDIT UNION MEMBERS ELECT MEMBERS OF THE GOVERNING BODY EACH YEAR AT THE ANNUAL MEETING.
Form 990, Part VI, Section A, Line 7b	MERGERS 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. A COPY IS MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW.
Form 990, Part VI, Section B, Line 15a	THE BOARD OF DIRECTORS COMPLETES A PERFORMANCE APPRAISAL OF THE CEO. COMPENSATION COMMITTEE REVIEWS SALARIES, THIRD PARTY DATA, AND PRESENTS TO THE BOARD OF DIRECTORS. MANAGEMENT COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. ALL OTHER EMPLOYEES ARE UNION MEMBERS AND SALARY IS NEGOTIATED IN THE UNION CONTRACT.
Form 990, Part VI, Section B, Line 15b	The credit union uses the Compease program; the personnel committee reviews data and CEO performance and makes a recommendation to the board of directors.
Form 990, Part VI, Section C, Line 19	FINANCIAL STATEMENTS ARE POSTED MONTHLY AT OUR PRIMARY OFFICE. QUARTERLY CALL REPORTS ARE AVAILABLE AT THE NCUA.GOV WEBSITE. ALL OTHER DOCUMENTS ARE MADE AVAILABLE FOR REVIEW UPON REQUEST.
Form 990, Part XI, Line 9	ONE TIME CECL ADJUSTMENT = -$149643
FORM 990, PART VI, LINE 11B - FORM 990 REVIEW PROCESS	MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. A COPY IS MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW.
FORM 990, PART VI, LINE 15A - COMPENSATION REVIEW & APPROVAL PROCESS	THE BOARD OF DIRECTORS COMPLETES A PERFORMANCE APPRAISAL OF THE CEO. COMPENSATION COMMITTEE REVIEWS SALARIES AND PRESENTS TO THE BOARD OF DIRECTORS. MANAGEMENT COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. ALL OTHER EMPLOYEES ARE UNION MEMBERS AND SALARY IS NEGOTIATED IN THE UNION CONTRACT.
FORM 990, PART VI, LINE 19 - OTHER ORGANIZATION DOCUMENTS AVAILABLE	FINANCIAL STATEMENTS ARE POSTED MONTHLY AT OUR PRIMARY OFFICE. QUARTERLY CALL REPORTS ARE AVAILABLE AT THE NCUA.GOV WEBSITE. ALL OTHER DOCUMENTS ARE MADE AVAILABLE FOR REVIEW UPON REQUEST.
FORM 990, PART VI, LINE 6 - EXPLANATION OF CLASSES OF MEMBERS	THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
FORM 990, PART VI, LINE 7A - HOW MEMBERS ELECT GOVERNING BODY	CREDIT UNION MEMBERS ELECT MEMBERS OF THE GOVERNING BODY EACH YEAR AT THE ANNUAL MEETING.
FORM 990, PART VI, LINE 7B - DECISIONS OF GOVERNING BODY APPROVAL	MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.