TRUE COMMUNITY CREDIT UNION: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: TRUE COMMUNITY CREDIT UNION (EIN 38-1453620)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-11-13
IRS object ID: 202433189349305103
Schema version: 2023v5.1
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 I
Schedule J
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2024-11-13T11:32:30-06:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	382492570	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	DOEREN MAYHEW	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	305 WEST BIG BEAVER ROAD	AddressLine1Txt
City	TROY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48084	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	381453620	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	TRUE	BusinessNameControlTxt
Phone	5177847101	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1100 CLINTON RD	AddressLine1Txt
City	JACKSON	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49202	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	LANCE SCHNITKEY	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	5177847101	PhoneNum
Signature	2024-11-13	SignatureDt

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	0	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JACK C TRACY	PreparerPersonNm
PTIN	P01974742	PTIN
Phone	2482443000	PhoneNum
Preparation	2024-11-13	PreparationDt

Field	Value	IRS element (for citing)
Tax	2023	TaxYr
Build TS	2024-10-15 13:58:12Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	CHRISTINA SIDERS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1100 CLINTON RD	AddressLine1Txt
City	JACKSON	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49202	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$42,945,925	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.TRUECCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	2020	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	TO CULTIVATE LEGACY-DEFINING MOMENTS FOR THE PEOPLE AND PLACES WE SERVE FOR GENERATIONS TO COME.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	230	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$191,742	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$33,217,903	PYProgramServiceRevenueAmt
CY Program Service Revenue	$40,615,233	CYProgramServiceRevenueAmt
PY Investment Income	$2,052,132	PYInvestmentIncomeAmt
CY Investment Income	$2,311,013	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$35,270,035	PYTotalRevenueAmt
CY Total Revenue	$42,926,246	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$332,034	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$16,184,469	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$17,668,356	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$15,369,423	PYOtherExpensesAmt
CY Other Expenses	$20,572,458	CYOtherExpensesAmt
PY Total Expenses	$31,553,892	PYTotalExpensesAmt
CY Total Expenses	$38,572,848	CYTotalExpensesAmt
PY Revenues Less Expenses	$3,716,143	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$4,353,398	CYRevenuesLessExpensesAmt
Total Assets BOY	$683,496,777	TotalAssetsBOYAmt
Total Assets EOY	$703,073,726	TotalAssetsEOYAmt
Total Liabilities BOY	$621,103,240	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$634,391,716	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$62,393,537	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$68,682,010	NetAssetsOrFundBalancesEOYAmt
Mission	TO CULTIVATE LEGACY-DEFINING MOMENTS FOR THE PEOPLE AND PLACES WE SERVE FOR GENERATIONS TO COME.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	TRUE COMMUNITY CREDIT UNION PROVIDES A SPECTRUM OF DEPOSIT AND LOAN PRODUCTS FOR OUR MEMBERS AND PROVIDES FINANCIAL EDUCATION FOR THE COMMUNITY TO CULTIVATE THE LEGACY-DEFINING MOMENTS FOR THOSE WE SERVE.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (1)	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	15161	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	230	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	0	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	LANCE SCHNITKEY	PersonNm
Phone	5177847101	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1100 CLINTON ROAD	AddressLine1Txt
City	JACKSON	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49202	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (23 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
QUENTIN GUINN
BOARD CHAIRPERSON UNTIL APRIL	1.00	Yes (X)	$0	$0	$0
JOSH BURGETT
BOARD CHAIRPERSON EFFECTIVE APRIL	1.00	Yes (X)	$0	$0	$0
TIMOTHY DENTON
BOARD TREASURER	1.00	Yes (X)	$0	$0	$0
JO ANN RAND
BOARD SECRETARY	1.00	Yes (X)	$0	$0	$0
NEIL FERNANDES
BOARD DIRECTOR	1.00	Yes (X)	$0	$0	$0
KAREN RICHARD
BOARD DIRECTOR	1.00	Yes (X)	$0	$0	$0
REGINA PINNEY
BOARD DIRECTOR	1.00	Yes (X)	$0	$0	$0
CHELSEA PAGE
BOARD VICECHAIRPERSON EFFECTIVE APRIL	1.00	Yes (X)	$0	$0	$0
TOM BUTMAN
BOARD DIRECTOR	1.00	Yes (X)	$0	$0	$0
JOHN HOSTETLER
BOARD DIRECTOR	1.00	Yes (X)	$0	$0	$0
JACOB INOCENCIO
BOARD DIRECTOR	1.00	Yes (X)	$0	$0	$0
CHRISTINA SIDERS
PRESIDENT/CEO	40.00		$356,270	$0	$17,858	Yes (X)
LANCE SCHNITKEY
CHIEF FINANCIAL OFFICER	40.00		$177,447	$0	$3,392	Yes (X)
JASON MATLEY
EVP/CHIEF STRATEGY OFFICER	40.00		$239,242	$0	$15,224		Yes (X)
VALERIE MOSKAL
CHIEF GROWTH & LENDING OFFICER	40.00		$231,813	$0	$22,890		Yes (X)
SARAH ERMATINGER
CHIEF MEMBER EXPERIENCE OFFICER	40.00		$183,907	$0	$1,289		Yes (X)
CANIS ARBROUET
VP OF IT AND BRANCH INFRASTRUCTURE	40.00		$167,061	$0	$27,120		Yes (X)
HEATHER HARBACK
CHIEF PEOPLE OFFICER	40.00		$159,674	$0	$23,369		Yes (X)
SHAWN CHRISTIE
VP OF WEALTH MANAGEMENT	40.00		$147,684	$0	$6,657			Yes (X)
TERRY FRENCH
INVESTMENT ADVISOR	40.00		$200,733	$0	$6,796			Yes (X)
REBECCA BILLINGSLEY
SENIOR DIRECTOR OF HUMAN RESOURCES	40.00		$151,886	$0	-$12,458			Yes (X)
JONATHAN BEARD
VP OF DIGITAL TRANSFORMATION	40.00		$146,989	$0	$24,949			Yes (X)
BRANDI COLE
CHIEF RISK OFFICER	40.00		$130,630	$0	$13,548			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,293,336	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$150,634	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	21	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
HARMON MANAGEMENT LLC
417 COPPERSMITH DRIVE	MASON	MI	48854	NEW PARNALL BRANCH CONSTRUCTION	$1,451,648
ALKAMI
5601 GRANITE PARKWAY STE 120	PLANO	TX	75024	PLATFORM-CONSUMER	$1,193,928
JACK HENRY AND ASSOCIATES
PO BOX 609	MONETT	MO	65708	SOFTWARE SERVICE	$1,035,778
US SIGNAL
201 IONIA AVE SW	GRAND RAPIDS	MI	49503	GRAND RAPIDS COLOCATION SITE	$648,769
NUSOURCE FINANCIAL
9749 HAMILTON ROAD	EDEN PRAIRIE	MN	55344	ITMS/ATMS	$599,326

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	18	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INCOME	522100	$29,310,577	$29,310,577
FEES, CHARGES & OTHER	522100	$11,112,914	$11,112,914
FINANCE AND INSURANCE	520000	$191,742		$191,742

Field	Value	IRS element (for citing)
Total Program Service Revenue	$40,615,233	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,300,692	TotalRevenueColumnAmt
Exclusion	$2,300,692	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$30,000	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$19,679	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$10,321	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$10,321	TotalRevenueColumnAmt
Related Or Exempt Func Income	$10,321	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$42,926,246	TotalRevenueColumnAmt
Related Or Exempt Func Income	$40,433,812	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$191,742	UnrelatedBusinessRevenueAmt
Exclusion	$2,300,692	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$332,034	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,626,556	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$12,091,637	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,311,966	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,610,886	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,027,311	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$173,718	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$144,953	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,761,495	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,243,892	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,326,210	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$987,531	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$64,074	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$347,312	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$4,247,519	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$22,847	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,115,622	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$188,705	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PLL	$3,314,670
LOAN SERVICING	$2,026,378
VISA EXPENSE	$942,963
ATM EXPENSE	$805,850

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$858,719	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$38,572,848	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$4,554,197	BOYAmt
EOY	$5,823,260	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$12,842,195	BOYAmt
EOY	$20,733,733	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,657,045	BOYAmt
EOY	$1,768,078	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$3,211,234	BOYAmt
EOY	$3,229,034	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$546,043,742	BOYAmt
EOY	$571,124,251	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$13,086,723	BOYAmt
EOY	$14,721,095	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$26,379,789	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$16,290,990	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$6,976,333	BOYAmt
EOY	$10,088,799	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$68,062,271	BOYAmt
EOY	$61,847,289	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$15,998,624	BOYAmt
EOY	$3,491,551	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$267,450	BOYAmt
EOY	$178,300	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$10,796,963	BOYAmt
EOY	$10,068,336	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$683,496,777	BOYAmt
EOY	$703,073,726	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$5,008,685	BOYAmt
EOY	$5,539,523	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
EOY	$20,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$616,094,555	BOYAmt
EOY	$608,852,193	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$621,103,240	BOYAmt
EOY	$634,391,716	EOYAmt

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

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

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

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

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

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$62,393,537	BOYAmt
EOY	$68,682,010	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$62,393,537	BOYAmt
EOY	$68,682,010	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$683,496,777	BOYAmt
EOY	$703,073,726	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$4,353,398	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,882,581	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$52,494	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	0	InclEscrowCustodialAcctLiabInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,804,395	OtherCostOrOtherBasisAmt
Book Value	$1,804,395	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,609,997	OtherCostOrOtherBasisAmt
Depreciation	$6,713,408	DepreciationAmt
Book Value	$5,896,589	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$292,807	OtherCostOrOtherBasisAmt
Depreciation	$226,689	DepreciationAmt
Book Value	$66,118	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$11,672,590	OtherCostOrOtherBasisAmt
Depreciation	$9,350,893	DepreciationAmt
Book Value	$2,321,697	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$10,088,799	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARE ACCOUNTS	Desc
Amt	$608,852,193	Amt

Field	Value	IRS element (for citing)
Total Liability	$608,852,193	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$42,926,246	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$42,926,246	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$42,926,246	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$38,572,848	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$38,572,848	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$38,572,848	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	INCOME TAXES THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES.	ExplanationTxt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Recipient Table RecipientTable (16 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Non Cash AssistanceNonCashAssistanceAmt	Purpose Of GrantPurposeOfGrantTxt	Address Line2USAddress/AddressLine2Txt
AMERICAN HEART ASSOCIATION
PO BOX 4002902 DES MOINES IA 50340	DES MOINES	IA	50340	135613797	501 (C)(3)	$10,000	$0	CHARITABLE CONTRIBUTION
C QUINNEY CONSULTING (ERIC THOMAS AND ASSOCIATES LLC)
5968 DOWNINGTON RIDGE NW	ACWORTH	GA	30101		LLC	$16,000	$0	ASSISTANCE
CITY OF JACKSON
161 W MICHIGAN AVE JACKSON MI 49201	JACKSON	MI	49201	386004701		$5,800	$0	ASSISTANCE
COMMUNITY ACTION AGENCY
1214 GREENWOOD AVE JACKSON MI 49203	JACKSON	MI	49203	381803599	501 (C)(3)	$20,000	$0	CHARITABLE CONTRIBUTION
FITZGIBBONS FLEET FABRICATORS
3325 CISCO ST JACKSON MI 49201	JACKSON	MI	49201	382269239	CORPORATION	$10,000	$0	CHARITABLE CONTRIBUTION
GREATER JACKSON HABITAT FOR HUMANITY
251 W PROSPECT ST	JACKSON	MI	49203	382878590	501 (C)(3)	$20,000	$0	YEAR 5 OF 5 OF MULTI-YEAR SPONSOR; SPONSORED HOUSE BUILD DELAND POINTE
HENRY FORD JACKSON
100 E MICHIGAN AVE	JACKSON	MI	49201	382027689	501 (C)(3)	$20,000	$0	CHARITABLE CONTRIBUTION
JACKSON COMMUNITY FOUNDATION
100 S JACKSON SUITE 200 JACKSON MI	JACKSON	MI	49201	386070739	501 (C)(3)	$6,000	$0	CHARITABLE CONTRIBUTION	49201
JACKSON SCHOOL OF THE ARTS
135 W CORTLAND AVE	JACKSON	MI	49201	383581314	501 (C)(3)	$33,333	$0	CHARITABLE CONTRIBUTION
JACKSON SYMPHONY ORCHESTRA
215 W MICHIGAN AVE	JACKSON	MI	49201	382146767	501 (C)(3)	$6,000	$0	CHARITABLE CONTRIBUTION
JACKSON YMCA
127 W WESLEY ST JACKSON MI 49201	JACKSON	MI	49201	381381139	501 (C)(3)	$27,000	$0	CHARITABLE CONTRIBUTION
MICHIGAN TRIBE
133 W MICHIGAN AVE JACKSON MI 49201	JACKSON	MI	49201	844587940	501 (C)(3)	$6,500	$0	CHARITABLE CONTRIBUTION
RISE ABOVE
936 FLEMING AVE	JACKSON	MI	49202	208029145	501 (C)(3)	$10,000	$0	CHARITABLE CONTRIBUTION
SPRING ARBOR UNIVERSITY
106 E MAIN ST	SPRING ARBOR	MI	49283	381359569	501 (C)(3)	$25,000	$0	CHARITABLE CONTRIBUTION
THE ANCHOR INITIATIVE
134 W MICHIGAN AVE	JACKSON	MI	49204	472475316	501 (C)(3)	$10,000	$0	CHARITABLE CONTRIBUTION
THE ENTERPRISE GROUP
100 E MICHIGAN AVE	JACKSON	MI	49201	382493672	501 (C)(3)	$15,000	$0	CHARITABLE CONTRIBUTION

Field	Value	IRS element (for citing)
Total501c3 Org	13	Total501c3OrgCnt
Total Other Org	3	TotalOtherOrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2	FormAndLineReferenceDesc
Explanation	TRUE COMMUNITY CREDIT UNION'S GIVING STRATEGY WILL SUPPORT: CHARITABLE GIVING IS PROVIDED IN THE FORM OF MONETARY DONATIONS, VOLUNTEERISM, IN-KIND DONATIONS AND SERVICES TO NON-PROFITS, CHARITIES OR PROGRAMS THAT MEET THE NEEDS OF OUR COMMUNITY. COMMUNITY ENGAGEMENT CAN INCLUDE MONETARY AND/OR IN-KIND SUPPORT AND SPONSORSHIPS OF NONCHARITABLE ENTITIES SUCH EXPOS, COMMUNITY EVENTS, CONCERTS, FESTIVALS OR COMMUNITY/CIVIC PROJECTS. IN-KIND/RESOURCES GIVING THROUGH FINANCIAL EDUCATION, TANGIBLE GOODS EITHER DONATED OR PURCHASED AND VOLUNTEER TIME. THE COMMUNITY IMPACT PILLAR RECEIVES THE REQUEST(S). THE CHIEF COMMUNITY IMPACT OFFICER AND DIRECTOR OF COMMUNITY PARTNERSHIPS REVIEW THE REQUEST TO DETERMINE IF MORE INFORMATION IS NEEDED, A FOLLOW-UP MEETING IS REQUIRED OR IF THE REQUEST CAN BE DECISIONED ALIGNING WITH THE DECISION MODEL. DONATION REQUESTS MAY ALSO BE BROUGHT FORWARD TO THE PRESIDENT/CEO FOR ADDITIONAL REVIEW, DISCUSSION OR AS AN UPDATE ON THE DECISION TO ENSURE GIVING PRACTICES ALIGN WITH THE MISSION, VISION AND VALUES OF TRUE COMMUNITY CREDIT UNION. ENTITIES THAT RECEIVE SUPPORT ARE REPORTED TO THE BOARD OF DIRECTORS IN EVERY BOARD PACKET. EACH JANUARY, THE CHARITIES THAT WERE SUPPORTED THROUGHOUT THE PREVIOUS YEAR ARE LISTED ON THE WEBSITE.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (10 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
CHRISTINA SIDERS
PRESIDENT/CEO	$324,800	$0	$0	$0	$31,470	$0	-$3,181	$0	$21,039	$0	$374,128	$0	$0	$0
VALERIE MOSKAL
CHIEF GROWTH & LENDING OFFICER	$226,261	$0	$0	$0	$5,552	$0	$2,382	$0	$20,508	$0	$254,703	$0	$0	$0
JASON MATLEY
EVP/CHIEF STRATEGY OFFICER	$228,845	$0	$300	$0	$10,097	$0	$5,642	$0	$9,582	$0	$254,466	$0	$0	$0
TERRY FRENCH
INVESTMENT ADVISOR	$199,582	$0	$600	$0	$551	$0	$6,380	$0	$416	$0	$207,529	$0	$0	$0
CANIS ARBROUET
VP OF IT AND BRANCH INFRASTRUCTURE	$166,785	$0	$0	$0	$276	$0	$6,668	$0	$20,452	$0	$194,181	$0	$0	$0
SARAH ERMATINGER
CHIEF MEMBER EXPERIENCE OFFICER	$179,910	$0	$600	$0	$3,397	$0	-$956	$0	$2,245	$0	$185,196	$0	$0	$0
HEATHER HARBACK
CHIEF PEOPLE OFFICER	$153,350	$0	$0	$0	$6,324	$0	$2,342	$0	$21,027	$0	$183,043	$0	$0	$0
LANCE SCHNITKEY
CHIEF FINANCIAL OFFICER	$166,430	$0	$600	$0	$10,417	$0	$1,149	$0	$2,243	$0	$180,839	$0	$0	$0
JONATHAN BEARD
VP OF DIGITAL TRANSFORMATION	$146,539	$0	$300	$0	$150	$0	$11,652	$0	$13,297	$0	$171,938	$0	$0	$0
SHAWN CHRISTIE
VP OF WEALTH MANAGEMENT	$147,290	$0	$0	$0	$394	$0	-$16,974	$0	$23,631	$0	$154,341	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 3	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS TO THE CEO, CHRISTINA SIDERS, THROUGH AN ARRANGEMENT REFERRED TO AS "COLLATERAL ASSIGNED SPLIT DOLLAR". AT SPECIFIED TIMES, THE PARTICIPANT MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE UNDERLYING LIFE INSURANCE POLICY TO SUPPLEMENT RETIREMENT INCOME. THESE DRAWS ARE TAX FREE FOR THE PARTICIPANTS. UPON THE PARTICIPANT'S DEATH THE CREDIT UNION RECOVERS ITS PREMIUM PLUS INTEREST, PLUS KEY-PERSON INSURANCE PROCEEDS.	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Field	Value	IRS element (for citing)
Person	CHRISTINA SIDERS	PersonNm
Relationship With Org	CEO	RelationshipWithOrgTxt
Loan Purpose	COLLATERAL ASSIGNED SPLIT DOLLAR	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$3,200,000	OriginalPrincipalAmt
Balance Due	$3,229,034	BalanceDueAmt
Default	0	DefaultInd
Board Or Committee Approval	Yes (1)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (1)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$3,229,034	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	FORM 990, SCH L, PART II	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS TO THE CEO, CHRISTINA SIDERS, THROUGH AN ARRANGEMENT REFERRED TO AS "COLLATERAL ASSIGNED SPLIT DOLLAR". AT SPECIFIED TIMES, THE PARTICIPANT MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE UNDERLYING LIFE INSURANCE POLICY TO SUPPLEMENT RETIREMENT INCOME. THESE DRAWS ARE TAX FREE FOR THE PARTICIPANT. UPON THE PARTICIPANT'S DEATH THE CREDIT UNION RECOVERS ITS PREMIUM PLUS INTEREST, PLUS KEY-PERSON INSURANCE PROCEEDS.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (12 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	ALL ACCOUNT HOLDERS ARE REFERRED TO AS MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	CREDIT UNION MEMBERS ELECT THE BOARD MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7B	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
FORM 990, PART VI, SECTION B, LINE 11B	REVIEW WILL BE PERFORMED BY CEO AND VP OF FINANCE.
FORM 990, PART VI, SECTION B, LINE 12C	POLICIES ARE REVIEWED ANNUALLY AND ALL VOLUNTEERS COMPLETE CONFLICT OF INTEREST FORMS AFTER THE ANNUAL MEETING EACH YEAR.
FORM 990, PART VI, SECTION B, LINE 15	PRESIDENT/CEO - THE BOARD OF DIRECTOR'S PERFORMS AN ANNUAL PERFORMANCE EVALUATION OF THE PRESIDENT/CEO. BASED ON THE GOALS ACHIEVED AND RESULTS OF THE REVIEW, A MERIT ADJUSTMENT IS CALCULATED. THE RESULTS OF THE REVIEW AND THE PROPOSED MERIT ADJUSTMENT IS REVIEWED BY THE BOARD OF DIRECTORS. AT THE SAME TIME, THE BOARD ALSO OBTAINS A SALARY STUDY FROM A SALARY CONSULTANT (BALANCED COMP) FOR PRESIDENTS AND CHIEF FINANCIAL OFFICERS IN SIMILAR SIZED INSTITUTIONS. A VARIETY OF SURVEY DATA IS USED BY THE CONSULTANT TO PREPARE THE RECOMMENDED PAY RANGE AND PLACEMENT OF THE PAY FOR THE PRESIDENT/CEO. IN ADDITION, THE COMMITTEE REVIEWS 990 DATA, AND OTHER INDUSTRY RESOURCES FOR INFORMATION TO DETERMINE IF ANY ADDITIONAL ADJUSTMENT IS REQUIRED TO ENSURE THE PRESIDENT/CEO IS BEING PAID APPROPRIATELY. ONCE A FINAL MERIT ADJUSTMENT IS AGREED UPON, THE BOARD OF DIRECTORS TAKES A FORMAL VOTE. THIS ADJUSTMENT INFORMATION IS PRESENTED TO THE PRESIDENT/CEO AND PROVIDED TO HUMAN RESOURCES TO PROCESS THE PROPER ADJUSTEMENT TO THE PRESIDENT/CEO'S COMPENSATION. CFO AND OTHER OFFICERS/KEY EMPLOYEES - PAY GRADES FOR THE POSITION ARE ALSO RECOMMENDED BY BALANCED COMP, A SALARY CONSULTANT. THEY USE VARIOUS PROFESSIONAL SURVEY DATA TO DETERMINE APPROPRIATE MINIMUM, MIDPOINT AND MAXIMUM PAY RATES. MERIT INCREASES ARE CALCULATED BASED ON A MATRIX RECOMMENDED THROUGH BALANCED COMP THAT CONSIDERS LONGEVITY, GOAL ACHIEVEMENT AND POSITION WITHIN THE PAY GRADE. THE OVERALL MERIT BUDGET IS APPROVED BY THE BOARD OF DIRECTOR'S IN THE BUDGET APPROVAL PROCESS. NO MERIT ADJUSTMENT IS GIVEN UNTIL BOARD APPROVAL IS OFFICIAL.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC VIA THE QUARTERLY CALL REPORT ON NCUA.GOV.
FORM 990, PART IX, LINE 11G	OTHER PROFESSIONAL SERVICES 1,761,495.
FORM 990, PART IX, LINE 24E	MAINTENANCE/REPAIRS 749,612. FRAUD 491,258. MISCELLANEOUS 279,591. COLLECTION EXPENSE 23,681. NON-OPERATING (GAINS)/LOSSES -685,423.
FORM 990, PART XI, LINE 9:	NET CHANGE IN UNREALIZED GAINS/(LOSSES) ON POST-RETIREMENT BENEFIT PLAN 1,663,790. CUMULATIVE EFFECT FROM CHANGE IN ACCOUNTING PRINCIPLE -1,611,296.
FORM 990, PART XII, LINE 2B	THE FINANCIAL STATEMENTS ARE AUDITED ON A FISCAL YEAR END AND FORM 990 IS REPORTED ON A CALENDAR YEAR END.
FORM 990, PART XII, LINE 2C	WE HAVE A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. THIS PROCESS HAS NOT CHANGED.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	CP FINANCIAL SERVICES	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1100 CLINTON RD	AddressLine1Txt
City	JACKSON	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49202	ZIPCd

Field	Value	IRS element (for citing)
EIN	381453620	EIN
Primary Activities	PERFORM COMPLIANCE AUDITS AND TRAINING FOR OTHER CREDIT UNIONS	PrimaryActivitiesTxt
Legal Domicile State	MI	LegalDomicileStateCd
Total Income	$4,100	TotalIncomeAmt
End Of Year Assets	$244,846	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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