2022-11-08T06:47:26-08:00 2021-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2021-01-01 381489465 Embers Credit Union EMBE 9062287080 601 S McClellan Ave Marquette MI 49855 David Black VP/COO 2022-11-08 true David Black 999009999 Patrick Haughey P01980057 8005225820 2 AAL1 IAL1 FAL1 2021 2022-09-23 18:48:47Z Tom Blake 601 S McClellan Ave Marquette MI 49855 20004131 false X https://www.embers.org/ X 1953 MI Provide financial services and products to members. 9 9 91 14 92698 0 14395128 16920534 1489642 2214985 0 15884770 19135519 0 0 6782645 8160682 0 0 8148508 8044031 14931153 16204713 953617 2930806 456299976 491728057 397692889 434047021 58607087 57681036 Provide financial services and products to members. false false The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2021 was 29,923. 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 12/31/2021 was 18,803. 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 10916 0 true 91 true true true false false false false false false false X 9 9 false false false false true true true true true false true true false true true true false true true true false X Tom Blake 9062288338 601 S McClellan Ave Marquette MI 49855 Tom Blake CEO 40.00 0.00 X 293387 0 46854 Brenda Lippens President 40.00 0.00 X 205179 0 38533 David Black VP/COO 40.00 0.00 X 167499 0 26939 Matt Nord VP Com Lending 40.00 0.00 X 162090 0 29773 Debbie Danielkiewicz VP Loan Admin 40.00 0.00 X 107343 0 28790 Justin Store CISO 40.00 0.00 X 109069 0 21794 Erik Bessonen VP Bus Dev 40.00 0.00 X 108908 0 21752 Scott Jamieson Vice Chair 1.00 0.00 X 0 0 0 Sandra Villa-Mogush Chairperson 1.00 0.00 X 0 0 0 William Ferns Secretary/Treas 1.00 0.00 X 0 0 0 Mark Canale Director 1.00 0.00 X 0 0 0 Jody Jaeger Director 1.00 0.00 X 0 0 0 Leonard Angeli Director 1.00 0.00 X 0 0 0 Brian Kulbieda Director 1.00 0.00 X 0 0 0 Gail Anthony Director 1.00 0.00 X 0 0 0 Andrew Wasilewski Director 1.00 0.00 X 0 0 0 Keith Lynch Director 1.00 0.00 X 0 0 0 Randy VanPortfliet Director 1.00 0.00 X 0 0 0 1153475 214435 7 false true false Member Driven Technologies 30230 Orchard Lake Road Farmington Hills MI 48334 Data Processing 972846 MasterCard 2000 Purchase St Purchase NY 10577 Plastic Card Network 619715 JHA Card Processing Solutions 1100 Olive Way Suite 320 Seattle WA 98101 Plastic Card Proc. 755431 Small Business Assc of MI PO Box 140167 Grand Rapids MI 49514 Group Health Insr 721880 FSC 161957 5 0 Fees & Charges 522100 5903366 5903366 Income from Insurance 81611 81611 Interest on Loans 522100 10498941 10498941 Non-Member ATM Fees 11087 11087 Other Program Revenue 522100 425529 425529 16920534 2129536 2129536 0 0 0 954061 868612 85449 85449 85449 0 0 0 0 19135519 19042821 92698 0 0 0 0 1367910 0 5237803 329089 751395 474485 0 118568 44968 0 0 0 478957 328836 1166813 591463 0 754568 0 0 208763 814165 0 1143354 95547 Loan Servicing Expenses 1156363 79 1077534 Merger Expenses 547211 Postage and Shipping 172141 -655220 16204713 0 0 0 5087512 4565516 104026210 12096169 0 80785 0 0 0 234135500 254229453 0 446203 550376 17419258 4393379 13494298 13025879 82965481 160729819 4331430 34614702 0 4666576 4104349 7065981 7811794 456299976 491728057 8612200 6532688 389080689 427514333 397692889 434047021 X 58607087 57681036 58607087 57681036 456299976 491728057 2930806 -3856857 X false false false 1528584 1528584 12543382 2207568 10335814 356063 280934 75129 1653050 1158511 494539 1338179 746366 591813 13025879 34614702 Total Share & Deposit Accounts 427514333 427514333 X false true false Brenda Lippens President 181918 23261 16485 22048 243712 David Black VP/COO 148909 18590 13381 13558 194438 Matt Nord VP Com Lending 145419 16671 13618 16155 191863 Tom Blake CEO 254887 38500 23428 23426 340241 Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder Section 501c(14) Credit Union is composed of members. Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body Members vote on bylaw and charter changes. MEMBERS VOTE AND ELECT BOARD MEMBERS BY BALLOT VOTE. Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders MERGERS WHERE THE CREDIT UNION IS TO BE ACQUIRED ARE VOTED ON BY ENTIRE MEMBERSHIP. Form 990, Part VI, Line 11b: Form 990 Review Process Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting. Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts 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, Line 15b: Compensation Review and Approval Process for Officers and Key Employees Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated. Form 990, Part VI, Line 19: Other Organization Documents Publicly Available 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.