2023-05-09T06:27:57-07:00 2022-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2022-01-01 381602298 TBA CREDIT UNION TBAC 2319467090 630 EAST FRONT STREET TRAVERSE CITY MI 49686 KAREN BROWNE CEO 2023-05-09 true KAREN BROWNE 999009999 true Patrick Haughey P01980057 8005225820 2 AAL1 IAL1 FAL1 2022 2023-04-26 12:10:37Z KAREN BROWNE 630 EAST FRONT STREET TRAVERSE CITY MI 49686 12556096 false X WWW.TBACU.COM X 1955 MI TO SERVE THE COMMUNITY AND BUILD TRUSTED RELATIONSHIP. 7 7 85 7 39826 0 10797028 11375342 1162801 1093766 86898 11959829 12556006 0 0 4437134 4857895 0 0 3906857 4667797 8343991 9525692 3615838 3030314 332481629 344647354 293226049 301785227 39255580 42862127 TO SERVE THE COMMUNITY AND BUILD TRUSTED RELATIONSHIP. 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 17,449. 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 11,976. OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, SAFE DEPOSIT BOXES, BILL PAYMENT, TRAVELERS CHECKS, DIGITAL WALLET-APPLE, GOOGLE PAY, SAMSUNG PAY AND VARIOUS INSURANCE PROGRAMS. 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 true false false false false false false false false false false false false false false true 4614 0 true 85 true true true false false false false false false false X 7 7 false false false false true true true true true false false false true true true true true true true false X KAREN BROWNE 2319467090 630 EAST FRONT STREET TRAVERSE CITY MI 49686 KAREN BROWNE CEO 40.00 0.00 X 428956 0 35291 Christopher Milliron CLO 40.00 0.00 X 177022 0 29005 ROBIN WYBENGA Former CFO 40.00 0.00 173625 0 14273 Christie Dompierre COO 40.00 0.00 X 109780 0 21198 Meghan Chenoweth CSO 40.00 0.00 X 104654 0 9062 Stacyann Smith CFO 40.00 0.00 X 51665 0 7450 ADAM BEVIER Director 1.00 0.00 X 0 0 0 DAN BRADY Director 1.00 0.00 X 0 0 0 DAVID SEMAN CHAIRPERSON 1.00 0.00 X 0 0 0 KATHERININE WALKER-THELMA Treasurer 1.00 0.00 X 0 0 0 CHARLES HAMLYN VICE CHAIR 1.00 0.00 X 0 0 0 JESSICA YOUNG Director 1.00 0.00 X 0 0 0 KATHLEEN DOUGLASS Secretary 1.00 0.00 X 0 0 0 1045702 116279 5 true true false CUANSWERS 6000 28th St SE 100 GRAND RAPIDS MI 49546 DATA PROCESSING 484219 BLUE CARE 20500 Civic Center Dr SOUTHFIELD MI 48076 HEALTH INSURANCE 416387 FIS 11601 ROOSEVELT BOULEVARD ST PETERSBURG FL 33716 DEBIT CARD EXPENSE 281714 CITY OF TRAVERSE CITY 400 BOARDMAN AVENUE TRAVERSE CITY MI 496850592 PROPERTY TAXES 141343 PC Connection 450 Marlboro ST Keene NH 03431 Laptop, Monitors, Compute 136057 5 0 FEE AND OTHER CHARGES 522100 2928505 2928505 LOAN INTEREST 522100 8407011 8407011 NON-MEMBER ATM FEES 900099 18758 18758 NON-MEMBER SHARED BRANCHI 522100 -475 -475 UNRELATED INSURANCE INCOM 524298 21543 21543 11375342 1093646 1093646 0 0 51726 51726 51726 51726 210 90 120 120 120 0 0 0 ERC Credits 900099 31638 31638 FAS 106 Health/SICK 900099 3534 3534 35172 12556006 12516180 39826 0 0 0 0 1076429 0 2681688 395692 418310 285776 0 3607 48181 0 0 0 215906 218191 705120 444149 0 362752 60263 0 0 575305 0 300876 61134 Loan Servicing Expense 859685 Provision for Loan Losses 262458 Misc Operating Exp 217559 ATM 100842 231769 9525692 0 0 0 1340888 1266083 58846294 37659811 0 134000 7733 0 0 162577763 204210024 0 792366 1331493 12259603 2601560 9944802 9658043 68279305 25459246 25409818 59382815 0 0 5156393 5672106 332481629 344647354 2969102 7996070 290256947 293789157 293226049 301785227 X 39255580 42862127 39255580 42862127 332481629 344647354 X 3030314 559088 17145 X false true X true false 5010886 5010886 5479252 1453766 4025486 1769465 1147794 621671 9658043 59382815 Member Shares & Deposits 293789157 293789157 false false false Christopher Milliron CLO 122653 54369 10753 18252 206027 KAREN BROWNE CEO 232652 25000 171304 16555 18736 464247 ROBIN WYBENGA Former CFO 88071 85554 10321 3952 187898 BROWNES ELECTRICAL SERV SPOUSE OF CEO Maitenance Calls false Dan Brady Painting Owner on Board Painting Services false Form 990, Part VI, Section A, Line 6 Section 501c(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 at 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. 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 Form 990, Part XI, Line 9 Member Fees & Fines = $17145