2021-11-15T15:17:13-08:00 2020-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2020-01-01 381489465 Embers Credit Union EMBE 9062287080 601 S McClellan Ave Marquette MI 49855 David Black VP/COO 2021-11-15 true David Black 999009999 Patrick Haughey P01980057 8005225820 2 AAL1 IAL1 FAL1 2020 2022-09-23 18:48:47Z Tom Blake 601 S McClellan Ave Marquette MI 49855 15884770 false X https://www.embers.org/ X 1953 MI Provide financial services and products to members. 9 9 91 12 51370 0 9428947 14395128 1799986 1489642 0 11228933 15884770 0 0 3641683 6782645 0 0 6715233 8148508 10356916 14931153 872017 953617 234458662 456299976 201636798 397692889 32821864 58607087 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 12/31/2020 was 29,312. 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 12/31/2020 was 18,363. 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 8408 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 518639 0 52466 Matt Nord VP Com Lending 40.00 0.00 X 160732 0 29416 David Black VP/COO 40.00 0.00 X 153538 0 29321 Brenda Lippens President 40.00 0.00 X 120887 0 46113 Debbie Danielkiewicz VP Loan Admin 40.00 0.00 X 106162 0 36523 Justin Store CISO 40.00 0.00 X 108300 0 18678 Suanne Debski EVP/COO 40.00 0.00 X 52953 0 10672 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 1221211 223189 6 false true false Member Driven Technologies 30230 Orchard Lake Road Farmington Hills MI 48334 Data Processing 832994 MasterCard 2000 Purchase St Purchase NY 10577 Plastic Card Network 376299 JHA Card Processing Solutions 1100 Olive Way Suite 320 Seattle WA 98101 Plastic Card Proc. 453321 Small Business Assc of MI PO Box 140167 Grand Rapids MI 49514 Group Health Insr 609348 Cross General Contracting Inc E8693 M28 W Munising MI 49862 General Contracting 2350498 8 0 Fees & Charges 522100 3324415 3324067 348 Income from Insurance 26151 26151 Interest on Loans 522100 8418890 8418890 Non-Member ATM Fees 24871 24871 Other Program Revenue 522100 2600801 2600801 14395128 1489642 1489642 0 0 0 0 0 0 0 Income from Insurance 524298 Non-Member ATM Fees 525990 0 15884770 15833400 51370 0 0 0 0 1444400 0 4164789 248183 567282 357991 0 140786 2000 0 0 0 112512 261916 1595125 356939 0 462507 0 0 163071 908286 0 636406 71204 Merger Expenses 1334557 Misc other 872366 Loan Servicing Expenses 693497 ATM-Debit Card Program Exp 431681 105655 14931153 0 0 0 2567643 5087512 37391342 104026210 0 -371 80785 0 0 137705972 234135500 0 336642 446203 17179407 3685109 8393731 13494298 35532696 82965481 7222267 4331430 0 478318 4666576 4830422 7065981 234458662 456299976 2661191 8612200 198975607 389080689 201636798 397692889 X 32821864 58607087 32821864 58607087 234458662 456299976 X 953617 968173 23863433 X false false false 1528584 1528584 12502245 1950468 10551777 324309 249781 74528 1479458 825634 653824 1344811 659226 685585 13494298 Rounding 3 Total Share & Deposit Accounts 389080686 389080689 X false false false Brenda Lippens President 120887 16905 29208 167000 David Black VP/COO 153538 12273 17048 182859 Matt Nord VP Com Lending 160732 6826 22590 190148 Tom Blake CEO 518639 21194 31272 571105 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 at annual meeting. Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders Mergers 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. Other Changes In Net Assets Or Fund Balances - Other Increases Equity Acquired in Merger = $23863433