2014-10-20T14:42:44-05:00 2013-12-31 381357951 PLANTE & MORAN PLLC 2601 CAMBRIDGE CT SUITE 500 AUBURN HILLS MI 48326 990 2013-01-01 381447620 COMMUNITY FINANCIAL CREDIT UNION COMM 7344531200 PO BOX 8050 PLYMOUTH MI 481708050 MEG PANKOW SENIOR VICE PRESIDENT/CFO 7344531200 2014-10-15 1 LYNNE M HUISMANN P00053811 2483757100 2013 2015-11-30 17:44:51Z WILLIAM LAWTON PO BOX 8050 PLYMOUTH MI 481708050 32672547 0 X WWW.CFCU.ORG X 2012 MI COMMUNITY FINANCIAL EXISTS SO CONSUMERS AND BUSINESSES IN OUR FIELD OF MEMBERSHIP CAN ENJOY SOUND FINANCIAL HEALTH, AND OUR COMMUNITIES ARE ENRICHED. 9 9 211 13 51359 41921 0 0 0 29255006 0 119384 0 3298157 0 32672547 0 15000 0 0 0 11841091 0 0 0 0 11178235 0 23034326 0 9638221 511526205 543090240 448842586 470782307 62683619 72307933 X COMMUNITY FINANCIAL CREDIT UNON IS A STATE CHARTERED, NOT-FOR-PROFIT, FULL-SERVICE FINANCIAL INSTITUTION OWNER AND GOVERNED BY ITS MEMBERSHIP. AT COMMUNITY FINANACIAL, WE ARE COMMITTED TO OUR MEMBERS AND OUR COMMUNITIES. FOR OVER 60 YEARS, WE'VE PROVIDED OUR MICHIGAN MEMBERS COMPETITIVELY-PRICED SAVINGS AND LOANS PRODUCTS, OUTSTANDING SERVICE AND SUPPORT TO THEIR NEIGHBORHOODS. 0 0 PROMOTE THRIFT TO 54,898 MEMBERS BY OFFERING LOANS, DEPOSITS, AND OTHER FINANCIAL PRODUCTS. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 11134 0 1 211 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 0 1 0 0 1 0 0 0 0 X MARGARET PANKOW 7345828820 PO BOX 8050 PLYMOUTH MI 481708050 DON BAIN SECRETARY/TREASURER 1.00 X 0 0 0 AL BERRIE BOARD MEMBER 1.00 X 0 0 0 RON CARLSON CHAIRPERSON 1.00 X 0 0 0 TERESA FOLINO BOARD MEMBER 1.30 X 0 0 0 DOUG FOPMA BOARD MEMBER 0.70 X 0 0 0 DAN HERRIMAN VICE CHAIRPERSON 1.00 X 0 0 0 MARK RIEGEL BOARD MEMBER 1.00 X 0 0 0 DEBBIE RONAYNE VICE CHAIRPERSON 1.00 X 0 0 0 WENDE BOEREMA BOARD MEMBER 1.00 X 0 0 0 WILLIAM LAWTON CEO 40.00 X 301661 0 42871 MARGARET PANKOW SVP/CFO 40.00 X 303183 0 18109 RANDY PENNER SVP/SALES 40.00 X 248198 0 18498 CATHY MEYERS VP CORPORATE RESOURCES 40.00 X 145743 0 25400 ERIC ESSER VP MORTGAGES 40.00 X 135414 0 18883 JILL JOHNSON VP LENDING 40.00 X 137569 0 20180 ART BEARD VP IT 40.00 X 141533 0 7947 1413301 0 151888 7 0 1 0 ALPINE TITLE & ESCROW 114 E MAIN ST A GAYLORD MI 49735 MORTGAGE TITLE COMPANY 1302679 FIS 601 RIVERSIDE AVE JACKSONVILLE FL 32204 CARD PROCESSOR 780288 SHAW CONSTRUCTION AND MANAGEMENT COMPANY 13980 FARMINGTON RD LIVONIA MI 48154 CONSTRUCTION AND MAINTENANCE SERVICES 598316 FIRST AMERICAN TITLE 100 BLOOMFIELD HILLS PKWY 195 BLOOMFIELD HILLS MI 48304 MORTGAGE TITLE COMPANY 434874 JACK HENRY & ASSOCIATES INC 663 US 60 MONETT MO 65708 DATA PROCESSING COMPANY 340008 17 MEMBER LOAN INCOME 522100 24341868 24341868 FEE INCOME 522100 4913138 4868518 44620 29255006 119384 119384 INTERCHANGE INCOME 900099 2447670 2447670 INVESTMENT & INSURANCE INCOME 900099 600402 593663 6739 MISCELLANEOUS REVENUE 900099 188331 188331 61754 61754 3298157 32672547 32621188 51359 0 15000 1565189 6770899 512402 2199772 792829 39034 41799 336250 1174621 2437448 1063683 287701 1453446 275572 LENDING 2250187 PROVISION EXPENSE 1335480 NCUA FEES 85305 TOTAL NON-OPERATING EXP 42244 355465 23034326 3117110 3684739 475052857 506705020 18108914 8167572 10067215 9941342 14546359 13860789 8742664 8898350 511526205 543090240 0 5541613 1234655 1410214 447607931 463830480 448842586 470782307 X 0 0 0 0 62683619 72307933 62683619 72307933 511526205 543090240 9638221 -13907 0 X 0 0 0 0 1 X 2342767 2342767 10029566 3707166 6322400 5736581 4460406 1276175 9941342 BORROWINGS 6790791 MEMBER SAVINGS 81179539 CHECKING 109092219 OTHER SAVINGS 18045955 MONEY MARKET 158247220 CERTIFICATES 90474756 463830480 PART IV, LINE 2B: THE ORGANIZATION MAINTAINS MEMBERS SHARES ESCROWS AND FHLBI INVESTOR ESCROWS. 1 SCHOLARSHIP FOR STUDENTS WHO ARE A MEMBER OF COMMUNITY FINANCIAL. 15 15000 X X X 0 1 0 WILLIAM LAWTON CEO 206250 0 36569 0 58842 0 35000 0 7871 0 344532 0 0 0 MARGARET PANKOW SVP/CFO 167567 0 31647 0 103969 0 16757 0 1352 0 321292 0 0 0 RANDY PENNER SVP/SALES 135973 0 25371 0 86854 0 13597 0 4901 0 266696 0 0 0 CATHY MEYERS VP CORPORATE RESOURCES 114847 0 24477 0 6419 0 19140 0 6260 0 171143 0 0 0 ERIC ESSER VP MORTGAGES 112254 0 17100 0 6060 0 12672 0 6211 0 154297 0 0 0 JILL JOHNSON VP LENDING 102000 0 29203 0 6366 0 11300 0 8880 0 157749 0 0 0 PART I, LINE 4B WILLIAM LAWTON CATHY MEYERS MARGARET PANKOW JILL JOHNSON RANDOLPH PENNER ERIC ESSER ART BEARD FORM 990, PART IV, LINE 11F: THE AUDITED FINANCIALS USE A REGULATORY YEAR END OF MARCH 31. AN AUDIT WILL NEXT BE PERFORMED FOR THE MARCH 31, 2015 YEAR END. FORM 990, PART VI, SECTION A, LINE 6 EACH ACCOUNT HOLDER IS A MEMBER. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS VOTE ON CHARTER CHANGES. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS ELECT THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11 THE ELECTRONIC AND FINANCIAL SOLUTIONS MANAGER REVIEWS THE FORM 990 PRIOR TO FILING. FORM 990, PART VI, SECTION C, LINE 19 THE FINANCIALS ARE POSTED IN EACH BRANCH OFFICE, UPDATED MONTHLY. THE GOVERNING DOCUMENTS ARE NOT AVAILABLE TO THE PUBLIC.