2024-06-13T13:55:16-07:00 2023-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2023-01-01 381644983 TOTAL COMMUNITY CREDIT UNION TOTA 3132913300 25155 GODDARD RD TAYLOR MI 48180 SUSETTE SCHIRM CEO 2024-06-13 true SUSETTE SCHIRM 999009999 true Donald E Lingerfelt P00339004 8005225820 0 AAL1 IAL1 FAL1 2023 2023-04-26 12:10:37Z SUSETTE SCHIRM 25155 GODDARD RD TAYLOR MI 48180 5537345 false X WWW.TCCU.US X 1960 MI 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. 6 6 33 6 35679 8499 0 3780971 4564471 658178 972874 0 4439149 5537345 0 0 1625542 1769680 0 0 1608445 1985434 3233987 3755114 1205162 1782231 98918041 98616930 91959054 88996503 6958987 9620427 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. false false 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. 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. 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 false true false false false false false false false false false false false false false false true 888 0 true 33 false true true false false false false false false false X 6 6 false false false false true true true true true false false false true true true false true true false false X SUSETTE SCHIRM 3132913300 25155 GODDARD RD TAYLOR MI 48180 SUSETTE SCHIRM President & CEO 40.00 0.00 X 224805 0 52911 ROBERT MERRIMAN Chairman 1.00 0.00 X 0 0 0 RONALD BRITT Director 1.00 0.00 X 0 0 0 KENNETH NELSON Treasurer 1.00 0.00 X 0 0 0 DONALD MYERS Director 1.00 0.00 X 0 0 0 DENNIS DANVILLE Director 1.00 0.00 X 0 0 0 SANDRA TANNER Director 1.00 0.00 X 0 0 0 224805 52911 1 false true false CUANSWERS 6000 28TH STREET SE GRAND RAPIDS MI 49546 DATA PROCESSING 335656 FISERV 255 FISERV DRIVE BROOKFIELD WI 530080979 DEBIT CARD PROCESSOR 148259 FIS 323 Riverside Ave JACKSONVILLE FL 32202 DEBIT CARD PROCESSOR 151704 HAP 3031 W Grand Blvd DETROIT MI 48202 MEDICAL INSURANCE 147186 4 0 ATM SURCHARGE FEES 525990 8978 8978 FEES AND OTHER INCOME 522100 1556286 1529585 26701 INTEREST ON LOANS 522100 2999207 2999207 4564471 972874 972874 0 0 0 0 0 0 0 0 5537345 5501666 35679 0 0 0 0 277716 0 1170501 57237 160911 103315 0 2560 0 0 0 0 0 55268 172235 226980 0 95129 50667 0 0 155662 0 124686 17249 LOAN SERVICING EXPENSE 478058 PRO SERVICES 430161 CREDIT LOSS EXPENSE 131939 MISC 27152 17688 3755114 0 0 0 1000782 727368 15212098 15893008 0 84422 102408 0 0 47625875 49146272 0 53778 68947 3632482 1043225 2681185 2589257 25394677 23895580 2987392 3751951 0 0 3877832 2442139 98918041 98616930 1538890 1181251 90420164 87815252 91959054 88996503 X 6958987 9620427 6958987 9620427 98918041 98616930 X 1782231 1028852 -149643 X false true X true false 132941 132941 2741207 639682 2101525 758334 403543 354791 2589257 OTHER LIABILITIES 919 SHARES 87814333 87815252 X X X X false false false SUSETTE SCHIRM President & CEO 185952 31201 7652 28557 24354 277716 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.