2025-04-30T06:01:38-07:00 2024-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2024-01-01 381602298 TBA CREDIT UNION TBAC 2319467090 630 EAST FRONT STREET TRAVERSE CITY MI 49686 KAREN BROWNE CEO 2025-04-30 true true Donald E Lingerfelt P00339004 8005225820 2024 2025-03-06 01:10:19Z KAREN BROWNE 630 EAST FRONT STREET TRAVERSE CITY MI 49686 25216473 false X https://www.tbacu.com/ X 1955 MI TO SERVE THE COMMUNITY AND BUILD TRUSTED RELATIONSHIP 7 7 88 7 51574 0 14740325 18593980 1543105 2110668 1511818 53815 17795248 20758463 17905 0 5594853 6314910 0 0 6932174 9836619 12527027 16169434 5268221 4589029 346552080 368914484 299684699 317706705 46867381 51207779 X TO SERVE THE COMMUNITY AND BUILD TRUSTED RELATIONSHIP true false THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2024 WAS 19,177. 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 12/31/2024 WAS 13,449. 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 true true false false false false false false false false false false false false false false true 6481 0 true 88 true true true false false false false false false false X 7 7 false false false false true true true true true false true true false true true true true true true true true false X STACYANN SMITH 2319467090 630 EAST FRONT STREET TRAVERSE CITY MI 49686 KAREN BROWNE CEO 40.00 0.00 X 348838 0 129349 CHRISTOPHER MILLIRON Vice President 40.00 0.00 X 157881 0 66064 STACYANN SMITH CFO 40.00 0.00 X 147783 0 62994 MEGHAN CHENOWETH Vice President 40.00 0.00 X 136776 0 43492 MING MAYS Director 40.00 0.00 X 162447 0 17756 ABBY SMITH Director 40.00 0.00 X 116889 0 52505 CARRIE EPPINGER Director 40.00 0.00 X 134215 0 20531 ADAM BEVIER Director 1.00 0.00 X 0 0 0 DAN BRADY Director 1.00 0.00 X 0 0 0 KATHLEEN DOUGLAS Secretary 1.00 0.00 X 0 0 0 KYLE ATTWOOD Director 1.00 0.00 X 0 0 0 DAVE SEMAN Chairman 1.00 0.00 X 0 0 0 JESSICA YOUNG Director 1.00 0.00 X 0 0 0 KATHERING WALKER-TELMA Treasurer 1.00 0.00 X 0 0 0 1204829 392691 7 false true false CUAnswers 600 28th St SE 100 GRAND RAPIDS MI 49546 DATA PROCESSING 557228 Blue Care Network 20500 Civic Center Dr SOUTHFIELD MI 48076 HEALTH CARE INSURANCE 395179 FIS 11601 Roosevelt Blvd St Petersburg FL 33716 CARD PROCESSOR 276047 VDA Labs 5020 East Beltline Ave Ste 205 GRAND RAPIDS MI 49525 CYBER-SECURITY SOLUTION 220950 FINANCIAL SYSTEMS CORP 1701 Quincy Ave STE 5 Naperville IL 60540 ITM Machines/Software 643777 6 0 ATM INCOME 900099 19668 19668 FEES AND OTHER CHARGES 522100 3266957 3256591 10366 INTEREST ON LOANS 522100 15285815 15285815 UNRELATED INSURANCE INC 524298 21540 21540 18593980 2097065 2097065 0 0 53815 53815 53815 53815 4471613 4458010 13603 13603 13603 0 0 0 0 20758463 20706889 51574 0 17905 0 0 1597520 0 3752269 155531 444369 365221 0 17198 0 0 0 0 0 245469 1058850 735542 0 431532 135179 0 0 4528130 70072 319101 59396 LOAN SERVICING EXPENSE 1120286 PROVISION FOR CREDIT LOSSES 631988 MISC 262691 PRO SERVICES 173335 47850 16169434 0 0 0 1540536 1531344 33662269 45155898 0 20183 -13368 0 0 227856232 245103735 0 1527018 1459436 13128122 3140617 9652307 9987505 23885774 30286253 43427596 30115362 0 0 4980165 5288319 346552080 368914484 2418368 2942069 297266331 314764636 299684699 317706705 X 46867381 51207779 46867381 51207779 346552080 368914484 4589029 -248631 X false true X true false 4838346 4838346 5513173 1553108 3960065 529489 433262 96227 2247114 1154247 1092867 9987505 30115362 DEF COMP 3015193 MEMBER SHARES 311203096 OTHER LIABILITIES 546345 Rounding 2 314764636 false 0 0 SCHOLARSHIP 7 10550 FMV CLASSROOM GRANT 8 7355 FMV false false false ABBY SMITH Director 116639 250 34889 17616 169394 CARRIE EPPINGER Director 54757 79458 13391 7140 154746 CHRISTOPHER MILLIRON Vice President 157631 250 48106 17958 223945 KAREN BROWNE CEO 300613 48225 114156 15193 478187 MEGHAN CHENOWETH Vice President 136526 250 36300 7192 180268 MING MAYS Director 124303 250 37894 17756 180203 STACYANN SMITH CFO 147533 250 45096 17898 210777 BROWN'S ELECTRICAL SERV SPOUSE OF CEO SMALL SCALE MAINT CALLS false Form 990, Part III, Line 2 Implementation of MISaves, MoneyMap Budgeting Tool, Video Chat, Lobby Kiosks, HSA CD, Real Time Payments, and FIS Payments One Migration programs. Form 990, Part VI, Section A, Line 6 SECTION 501(C)(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.