2020-07-23T10:54:59-07:00 2019-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2019-01-01 381489465 Embers Credit Union EMBE 9062287080 1001 West Baraga Ave Marquette MI 49855 David Black CFO 2020-07-23 true Robert Draeger P01331632 8005225820 2019 2020-09-23 17:36:50Z Tom Blake 1001 West Baraga Ave Marquette MI 49855 19446757 false X www.upccu.com X 1953 MI Provide financial services and products to members. 9 9 91 12 43397 0 7008432 9428947 1413913 1799986 172350 0 8594695 11228933 0 0 2711461 3641683 0 0 3659629 6715233 6371090 10356916 2223605 872017 176724593 234458662 149741300 201636798 26983293 32821864 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 12/31/2019 was 17,208. 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 12/31/2019 was 11,790. 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 5223 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 1001 West Baraga Ave Marquette MI 49855 Tom Blake President/CEO 40.00 0.00 X 225824 0 28680 Suanne Debski EVP/COO 40.00 0.00 X 130082 0 23125 David Black CFO 40.00 0.00 X 116504 0 15175 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 Corrin Salminen 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 472410 66980 3 false true false Member Driven Technologies 30230 Orchard Lake Road Farmington Hills MI 48334 Data Processing 488991 MasterCard 2000 Purchase St Purchase NY 10577 Plastic Card Network 248213 JHA Card Processing Solutions 1100 Olive Way Suite 320 Seattle WA 98101 Plastic Card Proc. 390977 Small Business Assc of MI PO Box 140167 Grand Rapids MI 49514 Group Health Insr 424693 Cross General Contracting Inc E8693 M28 W Munising MI 49862 General Contracting 3180538 6 0 Amortization of goodwill 876287 876287 Fees & Charges 522100 1370433 1370003 430 Interest on Loans 522100 6093911 6093911 Other Program Revenue 522100 62979 62979 VISA & ATM Interchange 522100 982370 982370 42967 42967 9428947 1740463 1740463 0 0 0 8277347 8217824 59523 59523 59523 0 0 0 Income from Insurance 524298 Non-Member ATM Fees 525990 0 11228933 11185536 43397 0 0 0 0 539390 0 2300143 144614 431635 225901 0 77894 14642 0 0 0 90863 187728 1093172 252004 0 425340 0 0 130756 1034117 0 283588 48082 Misc Operating Expense 1431386 Loan Servicing Expenses 508153 ATM-Debit Card Program Exp 401918 Provision for Loan Losses 352906 382684 10356916 0 0 0 1953357 2567643 17883754 37391342 0 -371 0 0 99843377 137705972 0 232480 336642 11715117 3321386 3201513 8393731 44993099 35532696 4735524 7222267 0 478318 3881489 4830422 176724593 234458662 2301955 2661191 147439345 198975607 149741300 201636798 X 26983293 32821864 26983293 32821864 176724593 234458662 X 872017 485114 4481440 X false false false 1158559 1158559 8065652 1756368 6309284 288236 226450 61786 1293338 753378 539960 909332 585190 324142 8393731 Total Share & Deposit Accounts 198975607 198975607 X false false false Suanne Debski EVP/COO 130082 10407 12718 153207 Tom Blake President/CEO 225824 18066 10614 254504 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 = $4481440