2013-05-14T14:07:52-05:00 2012-12-31 381357951 PLANTE & MORAN PLLC 2601 CAMBRIDGE CT SUITE 500 AUBURN HILLS MI 48326 990 2012-01-01 381582963 CREDIT UNIONS CHARTERED IN THE STATE OF CENTRAL MACOMB COMMUNITY CREDIT UNION CRED 5864667800 PO BOX 2800 MT CLEMENS MI 48046 DREMA D ISAAC 5864667800 2013-05-13 1 LYNNE HUISMANN P00053811 2483757100 2012 2016-02-24 21:20:13Z DREMA D ISAAC PO BOX 2800 MT CLEMENS MI 48046 9664746 0 1359 X WWW.CMCCU.COM X 1957 MI TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND 7 7 68 7 199688 41010 0 0 8126335 7705380 308178 542120 183020 199688 8617533 8447188 0 0 0 0 2151867 2534323 0 0 0 5464825 3950512 7616692 6484835 1000841 1962353 148244695 156093439 135667424 141125693 12577271 14967746 TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND 0 0 PROMOTED THRIFT TO 16,116 MEMBERS BY OFFERING LOANS, DEPOSITS, AND OTHER FINANCIAL INSTRUMENTS. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 3428 0 1 68 1 1 1 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 0 1 1 1 0 X MELINDA REDMAN 5864667800 PO BOX 2800 MT CLEMENS MI 48046 JOSEPH D KAY 2.00 X X 0 0 0 JAMES D ELLIS 2.00 X X 0 0 0 CHRISTINA J NUTTALL 2.00 X X 0 0 0 EDWARD J COTTER 2.00 X 0 0 0 JOHN KOSTKA 2.00 X 0 0 0 RAYMOND W WHITE JR 2.00 X 0 0 0 ROBERT JACQUES 2.00 X 0 0 0 CLIFFORD BROWN 2.00 X 0 0 0 JEFFREY BRUSS 2.00 X 0 0 0 DREMA ISAAC 40.00 X 204423 0 33305 JOSEPH F HALLMAN 40.00 X 125301 0 15876 MELINDA REDMAN 40.00 X 83067 0 10578 412791 0 59759 2 0 1 0 FISERV 255 FISERV DRIVE PO BOX 979 BROOKFIELD WI 530080979 DATA PROCESSING AND CORE SERVICES 690435 1 INTEREST ON LOANS RECE 522100 5146703 5146703 FEES AND CHARGES 522100 2558677 2558677 7705380 595648 595648 269930 894100 262536 955022 7394 -60922 -53528 -53528 INSURANCE PRODUCT SALE 524298 175062 175062 NON MEMBER ATM FEES 525990 24626 24626 199688 8447188 8301028 199688 -53528 X 472550 1620116 43611 200691 197355 110131 34300 63085 114883 180423 173531 108116 13972 3364 953552 254760 583 TAX EXPENSE 8146 LOAN SERVICING EXPENSE 423149 DEBIT/CREDIT CARD EXPEN 372642 ATM EXPENSE 279292 856583 6484835 9710739 9170586 93525047 88547375 141797 133056 6738614 2680064 4201800 4058550 36371814 49551889 4293498 4631983 148244695 156093439 1306742 1172439 134360682 139953254 135667424 141125693 X 0 0 0 0 12577271 14967746 12577271 14967746 148244695 156093439 1962353 428122 0 X X 0 1 X 1 0 1509638 1509638 3398306 1276438 2121868 3830 3638 192 1826840 1399988 426852 4058550 CERTIFICATES OF DEPOSIT 22544429 F AVAILABLE FOR SALE SECURITIES 20766472 F CORPORATE CAPITAL 545900 C FHLB STOCK 619800 C SBA POOLS 5075288 F 49551889 MEMBER SHARES 139953254 139953254 8575594 128406 128406 8447188 0 8447188 6613241 128406 128406 6484835 0 6484835 PART XI, LINE 2D - OTHER ADJUSTMENTS: GAIN LOSS OREO 128,406 PART XII, LINE 2D - OTHER ADJUSTMENTS: GAIN LOSS OREO 128,406 X 1 1 X X 0 1 0 DREMA ISAAC 191262 0 12794 0 367 0 20963 0 12342 0 237728 0 0 0 PART I, LINE 1A PRESIDENT/CEO - NOT TREATED AS TAXABLE PART I, LINE 4B THE PRESIDENT/CEO, DREMA ISAAC, PARTICIPATES IN A NON-QUALIFIED DEFERRED COMPENSATION PLAN. DREMA ISAAC DID NOT RECEIVE ANY PAYMENTS FROM THE PLAN IN THE CURRENT YEAR. FORM 990, PART VI, SECTION A, LINE 6 .ALL ACCOUNT HOLDERS ARE REFERRED TO AS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A ALL OF THE CREDIT UNION MEMBERS (CUSTOMERS) VOTE FOR THE DIRECTORS ON A YEARLY BASIS. FORM 990, PART VI, SECTION B, LINE 11 THE VP OF FINANCE REVIEWS THE FORM 990 AND PRODUCES A MEMO TO THE BOARD OUTLINING THE UBIT TAXES, ALONG WITH PROVIDING THEM A LINK TO THE 990 IF THEY CHOOSE TO VIEW IT. FORM 990, PART VI, SECTION B, LINE 12C A REVIEW IS COMPLETED AT VARIOUS TIMES THROUGH THE YEAR. COMPLIANCE WITH THE POLICY IS MONITORED BY THE AVP OF HUMAN RESOURCES. EMPLOYEES MUST DISCLOSE ANY CONFLICTS WHEN HIRED AS THEY ARE NOT ALLOWED TO PROCESS TRANSACTIONS WHEN THERE IS A RELATIONSHIP WITH A MEMBER AND CAN BE TERMINATED FOR FAILURE TO COMPLY WITH THE POLICY. FORM 990, PART VI, SECTION B, LINE 15 THE CEO'S SALARY IS REVIEWED AND APPROVED BY THE BOARD. THE PROCESS WAS LAST UNDERTAKEN IN SEPTEMBER OF 2012. THE BOARD REVIEWS AND APPROVES ANNUALLY THE SALARY ADMINISTRATION POLICY FOR OFFICERS AND EMPLOYEES. ALL SALARY INCREASES ARE DOCUMENTED IN WRITING. VARIOUS TRADE SALARY AND BENEFIT SURVEYS WERE USED TO ASSIST IN SETTING SALARY OF THE OFFICERS. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS FINANCIAL STATEMENTS AND GOVERNING DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. ALL OTHER FUNCTIONAL EXPENSES FORM 990, PART IX, LINE 24E SERVICE CENTER EXPENSE: TOTAL EXPENSES 274,594. MISCELLANEOUS: TOTAL EXPENSES 269,664. MANAGER/STAFF EXPENSE: TOTAL EXPENSES 120,146. NCUA IMPAIRMENT: TOTAL EXPENSES 118,685. REPAIRS AND MAINTENANCE: TOTAL EXPENSES 67,130. DUES AND SUBSCRIPTIONS: TOTAL EXPENSES 6,364. FORM 990, PART XII, LINE 2C: WE HAVE A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF OUR FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT. OUR PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.