CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN (EIN 38-1642684)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-08-03
IRS object ID: 202612169349300001
Schema version: 2025v4.1
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	2026-08-03T21:31:51-07:00	ReturnTs
Tax Period End	2025-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	650152722	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	FINANCIAL STANDARDS GROUP INC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	6447 W HIGHWAY 146	AddressLine1Txt
City	CRESTWOOD	CityNm
State Abbreviation	KY	StateAbbreviationCd
ZIP	40014	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2025-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	381642684	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS CHARTERED IN THE STATE OF	BusinessNameLine1Txt
Business Name Line2	SUNRISE FAMILY CREDIT UNION	BusinessNameLine2Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	9896841730	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	404 SOUTH EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48706	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	WHITNEY SODE	PersonNm
Person Title	CFO	PersonTitleTxt
Signature	2026-08-03	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Donald E Lingerfelt	PreparerPersonNm
PTIN	P00339004	PTIN
Phone	8005225820	PhoneNum

Field	Value	IRS element (for citing)
Tax	2025	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JEFF RABANUS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	404 SOUTH EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	487063206	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$6,468,110	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	https://www.sunrisefamilycu.org/	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1956	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	MEMBER OWNED AND MEMBER CONTROLLED FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SOUND COMPREHENSIVE SERVICES TO ITS FAMILY OF MEMBERS	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	46	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$136,260	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$9,508	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$4,025,868	PYProgramServiceRevenueAmt
CY Program Service Revenue	$4,090,033	CYProgramServiceRevenueAmt
PY Investment Income	$1,981,092	PYInvestmentIncomeAmt
CY Investment Income	$2,378,077	CYInvestmentIncomeAmt
PY Other Revenue	-$2,373	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$6,004,587	PYTotalRevenueAmt
CY Total Revenue	$6,468,110	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,329,742	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,808,008	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$3,353,408	PYOtherExpensesAmt
CY Other Expenses	$3,624,517	CYOtherExpensesAmt
PY Total Expenses	$5,683,150	PYTotalExpensesAmt
CY Total Expenses	$6,432,525	CYTotalExpensesAmt
PY Revenues Less Expenses	$321,437	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$35,585	CYRevenuesLessExpensesAmt
Total Assets BOY	$133,811,001	TotalAssetsBOYAmt
Total Assets EOY	$128,178,725	TotalAssetsEOYAmt
Total Liabilities BOY	$123,535,979	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$116,544,367	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$10,275,022	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$11,634,358	NetAssetsOrFundBalancesEOYAmt
Mission	MEMBER OWNED AND MEMBER CONTROLLED FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SOUND COMPREHENSIVE SERVICES TO ITS FAMILY OF MEMBERS	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	PROVIDE 11,134 MEMBERS WITH REGULAR SAVINGS, SHARE DRAFTS, CERTIFICATE OF DEPOSIT, IRA, MONEY MARKET AND CLUB ACCOUNTS TOTALING 17,297.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDE 4,118 LOANS INCLUDING VEHICLE, PERSONAL, HOME EQUITY, MORTGAGE BUSINESS, OVERDRAFT, SHARE SECURED, INDIRECT AND CREDIT CARD LOANS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, NO COST BILL PAYER, STUDENT SCHOLARSHIPS, FINANCIAL LITERCY WORKSHOPS IN-SCHOOL, BRANCHES, COURTESY PAY AND VARIOUS INSURANCE PROGRAMS.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Donor Rstr Or Quasi Endowments	false	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (true)	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	false	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	1029	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	46	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	false	MinutesOfGoverningBodyInd
Minutes Of Committees	false	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	false	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	false	WhistleblowerPolicyInd
Document Retention Policy	false	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	WHITNEY SODE	PersonNm
Phone	9896841730	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	404 S EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48706	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (11 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
JEFF RABANUS
CEO	40.00	0.00	Yes (X)	$203,031	$0	$46,730
MICHELLE HINE
Vice President	40.00	0.00	Yes (X)	$108,969	$0	$14,663
LISA FELSKE
Vice President	40.00	0.00	Yes (X)	$105,162	$0	$14,390
WHITNEY SODE
CFO	40.00	0.00	Yes (X)	$100,045	$0	$6,494
CJ MONTANA
Treasurer	1.00	0.00		$0	$0	$0	Yes (X)
RICK MEETH
Director	1.00	0.00		$0	$0	$0	Yes (X)
LOUIS MEYETTE
Director	1.00	0.00		$0	$0	$0	Yes (X)
DAVID ROYAL
Director	1.00	0.00		$0	$0	$0	Yes (X)
JAMES VOSS
Chairman	1.00	0.00		$0	$0	$0	Yes (X)
KATHERINE GRANT
Secretary	1.00	0.00		$0	$0	$0	Yes (X)
RICK HEINRICH
Director	1.00	0.00		$0	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$517,207	TotalReportableCompFromOrgAmt
Total Other Compensation	$82,277	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	4	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (4 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
75 REMITTANCE DRIVE	CHICAGO	IL	60675	DATA PROCESSOR	$369,068
PSCU
PO BOX 37603	PHILADELPHIA	PA	19101	CREDIT CARD PROCESSOR	$270,669
VELERA
615 CHANNELSIDE DR STE 204	TAMPA	FL	33602	DEBIT/ATM PROCESSOR	$238,613
YEO & YEO CPAS AND ADVISORS
5300 BAY RD	SAGNIAW	MI	48604	IT CONSULTING & SERVICES	$140,340

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
FEE AND OTHER INCOME	522100	$1,167,458	$1,099,328	$68,130
INTEREST ON LOANS	522100	$2,854,445	$2,854,445
NON-MEMBER ATM	525990	$68,130		$68,130

Field	Value	IRS element (for citing)
Total Program Service Revenue	$4,090,033	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,378,077	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,378,077	RelatedOrExemptFuncIncomeAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income From Gaming NetIncomeFromGamingGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income Or Loss NetIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$6,468,110	TotalRevenueColumnAmt
Related Or Exempt Func Income	$6,331,850	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$136,260	UnrelatedBusinessRevenueAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$599,484	TotalAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,677,384	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$144,448	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$216,735	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$169,957	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$3,336	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$103,694	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,199,487	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$426,818	TotalAmt

Royalties RoyaltiesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$278,688	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$35,358	TotalAmt

Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$509,596	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$14,877	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$94,423	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$43,113	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING EXPENSE	$425,998
PRO SERVICES	$194,105
OTHER	$110,450
OPERATING FEES	$79,253

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$105,321	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,432,525	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,664,656	BOYAmt
EOY	$1,673,193	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$30,788,410	BOYAmt
EOY	$25,375,232	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

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

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$402,053	BOYAmt
EOY	$401,459	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

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

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

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

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$46,478,851	BOYAmt
EOY	$49,646,869	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

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

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$181,608	BOYAmt
EOY	$258,696	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$7,229,543	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$3,562,366	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$3,737,941	BOYAmt
EOY	$3,667,177	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$38,782,136	BOYAmt
EOY	$23,150,568	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$9,912,229	BOYAmt
EOY	$22,206,392	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

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

Intangible Assets IntangibleAssetsGrp

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

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$1,863,117	BOYAmt
EOY	$1,799,139	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$133,811,001	BOYAmt
EOY	$128,178,725	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$429,922	BOYAmt
EOY	$284,149	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$123,106,057	BOYAmt
EOY	$116,260,218	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$123,535,979	BOYAmt
EOY	$116,544,367	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$10,275,022	BOYAmt
EOY	$11,634,358	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$10,275,022	BOYAmt
EOY	$11,634,358	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$133,811,001	BOYAmt
EOY	$128,178,725	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$35,585	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,450,732	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$126,981	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	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	false	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$666,222	OtherCostOrOtherBasisAmt
Book Value	$666,222	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,744,975	OtherCostOrOtherBasisAmt
Depreciation	$2,272,348	DepreciationAmt
Book Value	$2,472,627	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,818,346	OtherCostOrOtherBasisAmt
Depreciation	$1,290,018	DepreciationAmt
Book Value	$528,328	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$3,667,177	TotalBookValueLandBuildingsAmt
Total Book Value Securities	$22,206,392	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
MEMBER SHARES	$115,958,893
OTHER LIABILITIES	$301,325

Field	Value	IRS element (for citing)
Total Liability	$116,260,218	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	false	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	JEFF RABANUS	PersonNm
Title	CEO	TitleTxt
Base Compensation Filing Org	$203,031	BaseCompensationFilingOrgAmt
Deferred Compensation Flng Org	$8,685	DeferredCompensationFlngOrgAmt
Nontaxable Benefits Filing Org	$38,045	NontaxableBenefitsFilingOrgAmt
Total Compensation Filing Org	$249,761	TotalCompensationFilingOrgAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, Line 6	THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE AND VOTING.
Form 990, Part VI, Section A, Line 7a	THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP AT THE ANNUAL MEETING. EACH BOARD MEMBER IS ELECTED FOR A THREE YEAR TERM.
Form 990, Part VI, Section A, Line 7b	CREDIT UNION DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE MERGERS.
Form 990, Part VI, Section B, Line 11b	A REVIEW IS CONDUCTED BY THE VP ACCOUNTING PRIOR TO SUBMISSION TO THE IRS. SUBSEQUENT TO FIING, THE BOARD OF DIRECTORS IS PROVIDED WITH A COPY OF THE 990 RETURNS SUBMITTED.
Form 990, Part VI, Section B, Line 12c	THE SUPERVISORY COMMITTEE IS RESPONSIBLE FOR MONITORING AND ENFORCING COMPLIANCE. THE COMMITTEE DOES REGULAR AUDITS OF ACCOUNTS AND RLATIONSHIPS.
Form 990, Part VI, Section B, Line 15a	THE BOARD OF DIRECTORS APPOINTS A PERSONNEL COMMITTEE THAT DISTRIBUTES EVALUATION FORMS TO THE BOARD OF DIRECTORS. THE PERSONNEL COMMITTEE'S SUMMARY OF INFORMATION IS PRESENTED TO THE BOARD OF DIRECTORS AND THE PRESIDENT/CEO. THE MCUL COMPENSATION SURVEY IS REVIEWED ANNUALLY. SALARY INCREASES ARE BASED ON PERFORMANCE BY THE PRESIDENT/CEO OF THE STANDARDS THAT WERE SET. THE PRESIDENT/CEO PERFORMS AN EVALUATION OF THE VP ACCOUNTING. SALARY INCREASES ARE GIVEN BY THE PRESIDENT/CEO. THE BOARD OF DIRECTORS APPROVES A SALARY RANGE FOR ALL EMPLOYEES EACH YEAR.
Form 990, Part VI, Section B, Line 15b	THE PRESIDENT/CEO PERFORMS AN EVALUATION OF THE VP ACCOUNTING. SALARY INCREASES ARE GIVEN BY THE PRESIDENT/CEO. THE BOARD OF DIRECTORS APPROVES A SALARY RANGE FOR ALL EMPLOYEES EACH YEAR.
Form 990, Part VI, Section C, Line 19	FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST.
Form 990, Part XI, Line 9	PY ADJUSTMENT = -$126981