IGNITE CREDIT UNION: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: IGNITE CREDIT UNION (EIN 38-1480245)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-11-08
IRS object ID: 201913129349301981
Schema version: 2018v3.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-11-08T13:02:23-06:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	382492570	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	DOEREN MAYHEW	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	12060 S W 129TH COURT STE 201	AddressLine1Txt
City	MIAMI	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	331864582	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2018-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	381480245	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	BLUEOX CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	BLUE	BusinessNameControlTxt
Phone	8006488035	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	115 RIVERSIDE DR	AddressLine1Txt
City	BATTLE CREEK	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49015	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	DOUGLAS J ORTH	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	2699657281	PhoneNum
Signature	2019-11-07	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	DOUGLAS J ORTH	PreparerPersonNm
PTIN	P01076394	PTIN
Phone	3052328272	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	104.11.88.150	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-11-07	IPDt
IP Tm	22:53:51	IPTm
IP Timezone	ES	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	A7DB26C3BB201601930FCFA0C4651552B54C26A2	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2020-03-31 21:24:44Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	FRAN GODFREY	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	115 RIVERSIDE DR	AddressLine1Txt
City	BATTLE CREEK	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49015	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$15,710,784	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Group Exemption	1359	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.UNITEDECU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1936	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	BLUEOX CREDIT UNION'S MISSION IS TO PROVIDE QUALITY FINANCIAL SERVICES THAT WILL IMPROVE AND MAKE A DIFFERENCE IN THE LIVES OF OUR MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	11	VotingMembersGoverningBodyCnt
Voting Members Independent	11	VotingMembersIndependentCnt
Total Employee	90	TotalEmployeeCnt
Total Volunteers	13	TotalVolunteersCnt
Total Gross UBI	$32,465	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$9,273	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$5,532,818	PYProgramServiceRevenueAmt
CY Program Service Revenue	$8,855,390	CYProgramServiceRevenueAmt
PY Investment Income	$974,376	PYInvestmentIncomeAmt
CY Investment Income	$1,061,460	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$592,981	CYOtherRevenueAmt
PY Total Revenue	$6,507,194	PYTotalRevenueAmt
CY Total Revenue	$10,509,831	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,688,190	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$4,270,780	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$3,334,960	PYOtherExpensesAmt
CY Other Expenses	$5,614,762	CYOtherExpensesAmt
PY Total Expenses	$6,023,150	PYTotalExpensesAmt
CY Total Expenses	$9,885,542	CYTotalExpensesAmt
PY Revenues Less Expenses	$484,044	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$624,289	CYRevenuesLessExpensesAmt
Total Assets BOY	$141,418,411	TotalAssetsBOYAmt
Total Assets EOY	$173,046,159	TotalAssetsEOYAmt
Total Liabilities BOY	$127,685,946	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$156,568,061	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$13,732,465	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$16,478,098	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	BLUEOX CREDIT UNION WAS FOUNDED UPON THE SEVEN COOPERATIVE PRINCIPLES BASED IN THE PHILOSOPHY OF COOPERATION AND THE CENTRAL VALUES OF EQUALITY, EQUITY AND MUTUAL SELF-HELP. BLUEOX CREDIT UNION'S MISSION STATEMENT ILLUSTRATES THE BROTHERHOOD OF MAN THROUGH PEOPLE WORKING TOGETHER TO ACHIEVE A BETTER LIFE FOR THEMSELVES AND THEIR COMMUNITY.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	INCOME FROM CREDIT UNION'S MEMBERSHIP AND FROM INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	3981	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	90	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	11	GoverningBodyVotingMembersCnt
Independent Voting Member	11	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	0	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	FRAN GODFREY	PersonNm
Phone	2699657281	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	115 RIVERSIDE DR	AddressLine1Txt
City	BATTLE CREEK	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49015	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (15 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
D HICKS
DIRECTOR	1.00	Yes (X)	$0	$0	$0
D DITTMER
DIRECTOR/TREASURER	1.00	Yes (X)	$0	$0	$0
J KIRKPATRICK
DIRECTOR/SECRETARY	1.00	Yes (X)	$0	$0	$0
R HARVEY
DIRECTOR	1.00	Yes (X)	$0	$0	$0
A MUMFORD
DIRECTOR/VICE CHAIRMAN	1.00	Yes (X)	$0	$0	$0
D VOSHELL
DIRECTOR	1.00	Yes (X)	$0	$0	$0
J STANTON
DIRECTOR/CHAIRMAN	1.00	Yes (X)	$0	$0	$0
J RATTI
DIRECTOR/SECRETARY	1.00	Yes (X)	$0	$0	$0
M WALLACE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
M DUTCHER
DIRECTOR	1.00	Yes (X)	$0	$0	$0
J MASS
DIRECTOR	1.00	Yes (X)	$0	$0	$0
T JOHNSON
ASSOC. DIRECTOR	1.00	Yes (X)	$0	$0	$0
F GODFREY
PRESIDENT/CEO	60.00		$174,426	$0	$72,417	Yes (X)
J JOHNSON
VICE PRESIDENT	60.00		$142,900	$0	$22,521	Yes (X)
S COBB
VICE PRESIDENT/CFO	60.00		$122,120	$0	$37,750	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$439,446	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$132,688	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	3	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
CUANSWERS
6000 28TH STREET SUITE 100	GRAND RAPIDS	MI	49546	CORE PROCESSOR	$622,479
CU COOPERATIVE SYSTEMS
9692 HAVEN AVENUE	RANCHO CUCAMONGA	CA	91730	ATM/DEBIT SERVICES	$267,304
AMERICAN INTERIORS
6828 2 1/2 MILE RD	EAST LEROY	MI	49051	REMODEL/CONSTRUCTION	$193,310
FIS
601 RIVERSIDE AVE	JACKSONVILLE	FL	32202	DEBIT/CREDIT PROCESSOR	$174,355
SCHWEITZER INC
9807 BELLEVUE RD	BATTLE CREEK	MI	49014	CONSTRUCTION-REMODEL	$167,753

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INCOME ON LOANS	522100	$5,797,996	$5,797,996
FEES/CHARGES/OTHER INCOME	522100	$3,024,929	$3,024,929
MECHANICAL REPAIR WARRANTY FEES	524298	$19,800		$19,800
NON MEMBER ATM INCOME	900099	$11,242		$11,242
SHARED BRANCHING	525990	$1,423		$1,423

Field	Value	IRS element (for citing)
Total Program Service Revenue	$8,855,390	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,079,015	TotalRevenueColumnAmt
Exclusion	$1,079,015	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$5,183,398	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$5,200,953	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$17,555	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$17,555	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$17,555	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	BARGAIN PURCHASE GAIN	Desc
Business	522100	BusinessCd
Total Revenue Column	$592,981	TotalRevenueColumnAmt
Related Or Exempt Func Income	$592,981	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$592,981	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$10,509,831	TotalRevenueColumnAmt
Related Or Exempt Func Income	$9,398,351	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$32,465	UnrelatedBusinessRevenueAmt
Exclusion	$1,079,015	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$572,134	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$2,430,748	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$232,507	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$776,103	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$259,288	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$145,970	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$38,408	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$173,379	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$330,643	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$504,266	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$415,774	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$179,851	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$57,480	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$143,100	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$571,051	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$20,932	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$246,457	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$44,208	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$1,149,326
ATM/BANK SERVICE CHARGE	$757,688
LOAN SERVICING	$427,593
REPAIRS MAINTENANCE	$196,731

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$211,905	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$9,885,542	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$2,524,933	BOYAmt
EOY	$2,575,975	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$17,045,706	BOYAmt
EOY	$13,811,750	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$63,529	BOYAmt
EOY	$75,078	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$71,316,462	BOYAmt
EOY	$106,843,234	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$102,284	BOYAmt
EOY	$119,090	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$8,147,244	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$4,394,090	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$2,886,935	BOYAmt
EOY	$3,753,154	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$28,227,325	BOYAmt
EOY	$23,313,910	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$14,386,640	BOYAmt
EOY	$16,049,007	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$253,306	BOYAmt
EOY	$464,692	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$4,611,291	BOYAmt
EOY	$6,040,269	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$141,418,411	BOYAmt
EOY	$173,046,159	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,065,257	BOYAmt
EOY	$1,525,043	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$126,620,689	BOYAmt
EOY	$155,043,018	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$127,685,946	BOYAmt
EOY	$156,568,061	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$13,732,465	BOYAmt
EOY	$16,478,098	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$13,732,465	BOYAmt
EOY	$16,478,098	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$141,418,411	BOYAmt
EOY	$173,046,159	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$624,289	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$173,860	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$2,295,204	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$511,439	OtherCostOrOtherBasisAmt
Book Value	$511,439	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,165,050	OtherCostOrOtherBasisAmt
Depreciation	$1,491,098	DepreciationAmt
Book Value	$2,673,952	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,207,448	OtherCostOrOtherBasisAmt
Depreciation	$2,680,154	DepreciationAmt
Book Value	$527,294	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$263,307	OtherCostOrOtherBasisAmt
Depreciation	$222,838	DepreciationAmt
Book Value	$40,469	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$3,753,154	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (4 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
FHLB STOCK	$333,200	C
LONG TERM CDS	$14,606,057	C
CENTRAL CORPORATE CU PPC	$717,900	C
INVESTMENT IN CUSOS	$391,850	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$16,049,007	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (5 entries)

DescDesc	AmtAmt
SHARE DRAFTS	$23,736,555
SHARES	$62,023,616
MONEY MARKET	$40,432,965
IRA SHARES	$2,596,337
CERTIFICATES	$26,253,545

Field	Value	IRS element (for citing)
Total Liability	$155,043,018	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$10,509,831	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$10,509,831	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$10,509,831	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$9,885,542	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$9,885,542	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$9,885,542	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATIONS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
F GODFREY
PRESIDENT/CEO	$153,656	$0	$9,000	$0	$11,770	$0	$36,438	$0	$35,979	$0	$246,843	$0	$0	$0
J JOHNSON
VICE PRESIDENT	$61,003	$0	$63,324	$0	$18,573	$0	$0	$0	$22,521	$0	$165,421	$0	$0	$0
S COBB
VICE PRESIDENT/CFO	$113,937	$0	$8,000	$0	$183	$0	$0	$0	$37,750	$0	$159,870	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	THE CEO, FRAN GODFREY, PARTICIPATES IN A 457(F) DEFERRED COMPENSATION PLAN. DURING 2018, THE CREDIT UNION ACCRUED $36,438 TOWARD THE BENEFIT WHICH IS SCHEDULED TO BE PAID OUT DURING 2021.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (11 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.
FORM 990, PART VI, SECTION A, LINE 7B	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
FORM 990, PART VI, SECTION B, LINE 11B	UPON RECEIPT OF THE COMPLETED FORM 990, MANAGEMENT REVIEWS THE DOCUMENT FOR ACCURACY AND REASONABLENESS. ONCE THIS REVIEW IS COMPLETED, THE GOVERNING BODY IS INFOMED THAT THE FORM HAS BEEN FILED WITH THE IRS AND A COPY IS AVAILABLE UPON REQUEST.
FORM 990, PART VI, SECTION B, LINE 12C	A LIST OF RELATED PARTIES IS COMPILED. EMPLOYEES WHO ARE AUTHORIZED TO TRANSACT WHERE A CONFLICT MIGHT OCCUR ARE RESTRICTED.
FORM 990, PART VI, SECTION B, LINE 15	THE PERSONNEL COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE COMPENSATION.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC ON THE NCUA'S WEBSITE VIA THE 5300 CALL REPORT FILING.
FORM 990, PART IX, LINE 11G	OTHER PROFESSIONAL/OUTSIDE FEES 173,379.
FORM 990, PART IX, LINE 24E	OTHER EXPENSES 154,166. ATM/DEBIT FRAUD 57,739.
FORM 990, PART XI, LINE 9:	EQUITY ACQUIRED THROUGH BUSINESS COMBINATION 2,295,204.
FORM 990, PART XII, LINE 2C	WITH THE CHANGE IN THE MICHIGAN CREDIT UNION ACT, WE WERE ABLE TO ELIMINATE THE EXTERNAL SUPERVISORY COMMITTEE. THE SUPERVISORY COMMITTEE IS NOW COMPRISED OF MEMBERS OF BLUEOX CREDIT UNION'S BOARD OF DIRECTORS.