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 38-6060726)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-09-11
IRS object ID: 202642549349301494
Schema version: 2025v4.2
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 I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2026-09-11T16:34:00+00:00	ReturnTs
Tax Period End	2025-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	331498605	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	PLANTE & MORAN PLLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	750 TRADE CENTER WAY SUITE 300	AddressLine1Txt
City	PORTAGE	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49002	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	386060726	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	2699689251	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 140	AddressLine1Txt
City	BATTLE CREEK	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	490160140	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	TRACY MILLER	PersonNm
Person Title	CEO	PersonTitleTxt
Signature	2026-09-11	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	DAVID LOWENTHAL CPA	PreparerPersonNm
PTIN	P00378651	PTIN
Phone	2695674500	PhoneNum
Preparation	2026-09-09	PreparationDt

Field	Value	IRS element (for citing)
Tax	2025	TaxYr

Form 990 IRS990

Doing Business As Name DoingBusinessAsName

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

Principal Ofcr Business Name PrincipalOfcrBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	TRACY MILLER	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 140	AddressLine1Txt
City	BATTLE CREEK	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	490160140	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$62,515,464	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.KELLOGGCCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1941	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	KCCU IS A FULL-SERVICE FINANCIAL INSTITUTION SERVING FAMILIES FOR DECADES. YOUR CREDIT UNION PROVIDES MORE OPPORTUNITY THAN OTHER FINANCIAL INSTITUTIONS BECAUSE IT IS OWNED AND GOVERNED BY THE PEOPLE WHO UTILIZE ITS PRODUCTS AND SERVICES. EVERY MEMBER OWNS A SHARE OF THE CREDIT UNION AND THE CREDIT UNION OPERATES TO PROMOTE THE FINANCIAL WELL-BEING OF ALL ITS MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	194	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$140,163	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$46,669,894	PYProgramServiceRevenueAmt
CY Program Service Revenue	$54,524,860	CYProgramServiceRevenueAmt
PY Investment Income	$10,224,083	PYInvestmentIncomeAmt
CY Investment Income	$7,760,929	CYInvestmentIncomeAmt
PY Other Revenue	$72,941	PYOtherRevenueAmt
CY Other Revenue	$15,963	CYOtherRevenueAmt
PY Total Revenue	$56,966,918	PYTotalRevenueAmt
CY Total Revenue	$62,301,752	CYTotalRevenueAmt
PY Grants And Similar Paid	$16,000	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$16,000	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$12,829,768	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$14,308,148	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$30,006,133	PYOtherExpensesAmt
CY Other Expenses	$34,469,996	CYOtherExpensesAmt
PY Total Expenses	$42,851,901	PYTotalExpensesAmt
CY Total Expenses	$48,794,144	CYTotalExpensesAmt
PY Revenues Less Expenses	$14,115,017	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$13,507,608	CYRevenuesLessExpensesAmt
Total Assets BOY	$907,537,397	TotalAssetsBOYAmt
Total Assets EOY	$961,622,499	TotalAssetsEOYAmt
Total Liabilities BOY	$766,026,096	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$803,585,617	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$141,511,301	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$158,036,882	NetAssetsOrFundBalancesEOYAmt
Mission	KCCU IS A FULL-SERVICE FINANCIAL INSTITUTION SERVING FAMILIES FOR DECADES. YOUR CREDIT UNION PROVIDES MORE OPPORTUNITY THAN OTHER FINANCIAL INSTITUTIONS BECAUSE IT IS OWNED AND GOVERNED BY THE PEOPLE WHO UTILIZE ITS PRODUCTS AND SERVICES. EVERY MEMBER OWNS A SHARE OF THE CREDIT UNION, AND THE CREDIT UNION OPERATES TO PROMOTE THE FINANCIAL WELL-BEING OF ALL ITS MEMBERS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	INCOME FROM THE CREDIT UNION MEMBERSHIP AND INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.	Desc
Total Program Service Expenses	$0	TotalProgramServiceExpensesAmt
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Lobbying Activities	false	LobbyingActivitiesInd
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	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (true)	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	Yes (true)	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Escrow Account	false	EscrowAccountInd
On Behalf Of Issuer	false	OnBehalfOfIssuerInd
Engaged In Excess Benefit Trans	false	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	false	PYExcessBenefitTransInd
Loan Outstanding	Yes (true)	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
Transaction With Control Ent	false	TransactionWithControlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	false	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	16089	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	194	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	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	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	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Policies Reference Chapters	false	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	false	RegularMonitoringEnfrcInd
Whistleblower Policy	false	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Written Policy Or Procedure	false	WrittenPolicyOrProcedureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	TRACY MILLER	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	8008545421	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 140	AddressLine1Txt
City	BATTLE CREEK	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	490160140	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (20 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
CAROL CASEY
DIRECTOR	1.0	0.0	Yes (X)	$0	$0	$0
CHIRSTOPHER DEMAREST
DIRECTOR	1.0	0.0	Yes (X)	$0	$0	$0
E PAUL CHAMBERS
DIRECTOR	1.0	0.0	Yes (X)	$0	$0	$0
HENRY PAT ROLFE
CHAIRPERSON	1.0	0.0	Yes (X)	$0	$0	$0
MARIE SMITH
VICE CHAIRPESON	1.0	0.0	Yes (X)	$0	$0	$0
MELISSA MILLER
SECRETARY	1.0	0.0	Yes (X)	$0	$0	$0
ROGER E PITZER
TREASURER	1.0	0.0	Yes (X)	$0	$0	$0
SEPH DABROWSKI
DIRECTOR	1.0	0.0	Yes (X)	$0	$0	$0
TREY JUNKINS
DIRECTOR	1.0	0.0	Yes (X)	$0	$0	$0
AMBER MALLERNEE
CCO	38.0	0.0		$194,130	$0	$36,135	Yes (X)
CHRIS HARRIS
CFO	38.0	0.0		$159,260	$0	$22,613	Yes (X)
JASON CAIN
CHIEF TECHNOLOGY OFFICER - PART YEAR	38.0	0.0		$87,732	$0	$6,027	Yes (X)
KATE PRATLEY
CHIEF RISK OFFICER	38.0	0.0		$164,843	$0	$37,590	Yes (X)
LINDSEY R LAW
CLO	38.0	0.0		$240,877	$0	$26,159	Yes (X)
TRACY MILLER
CEO	38.0	0.0		$503,350	$0	$59,615	Yes (X)
BECKY SCHUTZ
MORTGAGE LOAN ORIGINATOR	37.5	0.0		$170,645	$0	$23,471		Yes (X)
CHRIS KASPER
SENIOR INFORMATION TECHNOLOGY MANAGER	37.5	0.0		$125,420	$0	$30,482		Yes (X)
JERALD PAWLOWICZ
FINANCIAL ADVISOR	37.5	0.0		$194,652	$0	$33,033		Yes (X)
JESSICA BISSENDEN
VP OF HR	37.5	0.0		$133,952	$0	$13,008		Yes (X)
TARA STEELE
BUSINESS LENDING MANAGER	37.5	0.0		$150,642	$0	$22,253		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,125,503	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$310,386	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	10	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
TRACE3
PO BOX 603915	CHARLOTTE	NC	28260	IT EQUIPMENT AND SERVICE PROVIDER	$1,154,932
CU ANSWERS
6000 28TH ST SE	GRAND RAPIDS	MI	49546	CORE PROCESSOR	$1,127,011
FISERV SOLUTIONS INC
PO BOX 934057	ATLANTA	GA	93405	CARD PROCESSOR	$1,104,140
VISA USA
PO BOX 742233	LOS ANGELES	CA	90074	DEBIT/CREDIT CARD PROCESSOR	$886,283
EDGE ONE
161 BUSINESS PARK CIRCLE	STOUGHTON	WI	53589	BANKING EQUIMENT	$524,143

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	27	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INCOME ON LOANS	522100	$42,925,228	$42,925,228
FEES/CHARGES/OTHER	522100	$4,845,643	$4,845,643
SALES OF MORTGAGES	522100	$134,069	$134,069
MORTGAGE PRODUCTION FEES	522100	$127,749	$127,749

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$6,492,171	TotalRevenueColumnAmt
Related Or Exempt Func Income	$6,492,171	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$54,524,860	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,759,156	TotalRevenueColumnAmt
Related Or Exempt Func Income	$7,759,156	RelatedOrExemptFuncIncomeAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$27,822	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$152,022	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	-$124,200	RealAmt
Personal	$0	PersonalAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$124,200	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$124,200	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$63,463	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$61,690	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt
Other	$1,773	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,773	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,773	RelatedOrExemptFuncIncomeAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

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

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	FINANCE & INSURANCE	Desc
Business	520000	BusinessCd
Total Revenue Column	$140,163	TotalRevenueColumnAmt
Unrelated Business Revenue	$140,163	UnrelatedBusinessRevenueAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$140,163	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$62,301,752	TotalRevenueColumnAmt
Related Or Exempt Func Income	$62,161,589	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$140,163	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$16,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,538,330	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$9,742,035	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$750,605	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,452,298	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$824,880	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$4,832	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$216,000	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$109,035	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$275,535	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,214,569	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$814,517	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$61,479	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,072,704	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$60,973	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$65,644	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$17,138,963	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,453,066	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$176,917	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING	$2,910,794
MAINTENANCE	$1,150,452
ATM EXPENSES	$2,657,052
PROVISION FOR LOAN LOSS	$2,220,120

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,867,344	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$48,794,144	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$7,473,797	BOYAmt
EOY	$8,723,252	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$99,123,526	BOYAmt
EOY	$116,545,957	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$225,895	BOYAmt
EOY	$276,857	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$750,000	BOYAmt
EOY	$750,000	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

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

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$672,060,143	BOYAmt
EOY	$707,953,353	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$969,927	BOYAmt
EOY	$854,616	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$26,636,133	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$14,075,574	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$12,822,021	BOYAmt
EOY	$12,560,559	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$88,121,267	BOYAmt
EOY	$88,915,385	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$8,663,900	BOYAmt
EOY	$6,564,258	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

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

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$17,326,921	BOYAmt
EOY	$18,478,262	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$907,537,397	BOYAmt
EOY	$961,622,499	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$9,436,825	BOYAmt
EOY	$10,733,503	EOYAmt

Loans From Officers Directors LoansFromOfficersDirectorsGrp

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

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$756,589,271	BOYAmt
EOY	$792,852,114	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$766,026,096	BOYAmt
EOY	$803,585,617	EOYAmt

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

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

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

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

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$141,511,301	BOYAmt
EOY	$158,036,882	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$141,511,301	BOYAmt
EOY	$158,036,882	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$907,537,397	BOYAmt
EOY	$961,622,499	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$13,507,608	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$3,016,995	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$978	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,141,838	OtherCostOrOtherBasisAmt
Book Value	$2,141,838	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$11,494,920	OtherCostOrOtherBasisAmt
Depreciation	$4,903,260	DepreciationAmt
Book Value	$6,591,660	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,945,660	OtherCostOrOtherBasisAmt
Depreciation	$2,118,602	DepreciationAmt
Book Value	$1,827,058	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,053,715	OtherCostOrOtherBasisAmt
Depreciation	$7,053,712	DepreciationAmt
Book Value	$2,000,003	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$12,560,559	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
FEDERAL INCOME TAXES
MEMBER SHARES	$792,852,114

Field	Value	IRS element (for citing)
Total Liability	$792,852,114	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Other Revenue	$0	OtherRevenueAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$0	RevenueSubtotalAmt
Other Revenues Not Included	$0	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$0	TotalRevenuePerForm990Amt
Other Expenses Included	$0	OtherExpensesIncludedAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$0	ExpensesSubtotalAmt
Other Expenses Not Included	$0	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$0	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
SCHEDULE D, PART XIII	THERE WAS AN AUDIT FOR THE TWELVE MONTHS ENDED ON 9/30. THERE IS NO AUDIT PERFORMED FOR THE FILLING PERIOD OF THE 990.
SCHEDULE D, PART X, LINE 2 FIN 48 (ASC 740) FOOTNOTE	THE CREDIT UNION IS EXEMPT, BY STATUTE (IRC SECTION 501(C)(14)), FROM FEDERAL AND STATE INCOME TAXES.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (true)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp (2 entries)

Grant TypeGrantTypeTxt	RecipientRecipientCnt	Cash GrantCashGrantAmt	Non Cash AssistanceNonCashAssistanceAmt
SCHOLARSHIP	5	$10,000	$0
TEACHER GRANTS	15	$6,000	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

SCHEDULE I, PART III

KCCU AWARDS A ONE-TIME $2,000 SCHOLARSHIP TO 5 KCCU MEMBERS. ALL KCCU MEMEBERS WHO ARE PLANNING TO ATTEND OR CURRENTLY ATTEND AN ACCREDITED MICHIGAN COLLEGE OR UNIVERSITY OR ARE WORKING TOWARDS A CERTIFICATION OR DEGREE PROGRAM IN THE TRADES AT STATE SUPPORTED COMMUNITY COLLEGES ARE ELIGIBLE FOR THE SCHOLARSHIP.

SCHEDULE I, PART III

KCCU TEACHER GRANT PROGRAM IS A $400 AWARD GIVEN TO 15 TEACHERS TO BE USED FOR EQUIPMENT, EDUCATIONAL SOFTWARE, BOOKS, SPECIAL MATERIALS, OR ANY OTHER TOOLS TO HELP WITH THE EDUCATION OF OUR FUTURE GENERATION OF LEADERS! ALL APPLICANTS MUST BE PROFESSIONALLY CERTIFIED EDUCATORS TEACHING PRE-K THROUGH 12TH GRADE, AND PLAN TO CONTINUE TEACHING IN THE PROCEEDING SCHOOL YEAR. ONE APPLICATION IS ALLOWED PER TEACHER, PER SCHOOL YEAR. TEACHERS ARE THE ONLY INDIVIDUALS THAT CAN APPLY/NOMINATE THEMSELVES. STUDENTS, PARENTS, COMMUNITY MEMBERS, ADMINISTRATORS, ETC. CANNOT NOMINATE THEIR FAVORITE EDUCATORS. TEACHERS MUST BE AN EDUCATOR AT A SCHOOL THAT IS WITHIN KCCU'S FIELD OF MEMBERSHIP. APPLICANTS DO NOT NEED TO BE A MEMBER OF KCCU TO APPLY AND KCCU EMPLOYEES, IMMEDIATE FAMILY MEMBERS OF KCCU EMPLOYEES, DIRECTORS, OR OFFICERS ARE NOT ELIGIBLE.

Schedule J IRS990ScheduleJ

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

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (9 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
TRACY MILLER
CEO	$432,446	$0	$70,904	$0	$0	$0	$37,795	$0	$21,820	$0	$562,965	$0	$0	$0
LINDSEY R LAW
CLO	$207,807	$0	$33,070	$0	$0	$0	$23,747	$0	$2,412	$0	$267,036	$0	$0	$0
AMBER MALLERNEE
CCO	$166,278	$0	$27,852	$0	$0	$0	$16,115	$0	$20,020	$0	$230,265	$0	$0	$0
KATE PRATLEY
CHIEF RISK OFFICER	$148,593	$0	$16,250	$0	$0	$0	$17,467	$0	$20,123	$0	$202,433	$0	$0	$0
CHRIS HARRIS
CFO	$159,260	$0	$0	$0	$0	$0	$16,328	$0	$6,285	$0	$181,873	$0	$0	$0
JERALD PAWLOWICZ
FINANCIAL ADVISOR	$25,872	$0	$2,870	$0	$165,910	$0	$13,881	$0	$19,152	$0	$227,685	$0	$0	$0
BECKY SCHUTZ
MORTGAGE LOAN ORIGINATOR	$37,576	$0	$20,350	$0	$112,719	$0	$17,241	$0	$6,230	$0	$194,116	$0	$0	$0
TARA STEELE
BUSINESS LENDING MANAGER	$126,080	$0	$24,562	$0	$0	$0	$14,924	$0	$7,329	$0	$172,895	$0	$0	$0
CHRIS KASPER
SENIOR INFORMATION TECHNOLOGY MANAGER	$114,484	$0	$10,936	$0	$0	$0	$10,526	$0	$19,956	$0	$155,902	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

SCHEDULE J, PART I, LINE 1A TRAVEL FOR COMPANIONS

THE ORGANIZATION OCCASIONALLY PROVIDES OPPORTUNITIES FOR SPOUSES AND OTHER FAMILY PARTNERS TO TRAVEL WITH BOARD MEMBERS TO CONFERENCES. THE FAMILY MEMBERS SHARE ACCOMMODATIONS PROVIDED BY THE ORGANIZATION WITH THE BOARD MEMBER. THE BOARD MEMBER IS NOT REIMBURSED FOR ANY ADDITIONAL TRAVEL EXPENSES RELATED TO COMPANION TRAVEL.

SCHEDULE J, PART I, LINE 4B SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN

TRACY MILLER PARTICIPATES IN A SPLIT DOLLAR COLLATERAL INSURANCE SUPPLEMENTAL RETIREMENT PLAN. THE LOAN RELATED TO THIS PLAN IS REPAID TO THE CREDIT UNION THROUGH THE RECOVERY OF ANY OUTLAYS, PLUS INTEREST, FROM THE UNDERLYING POLICY. AT SPECIFIED TIMES, THE PARTICIPANT RECEIVES BENEFIT PAYOUTS FROM THE CASH SURRENDER VALUE OF THE POLICY TO SUPPLEMENT RETIREMENT INCOME. THE BORROWINGS ARE MONITORED TO ENSURE THE POLICY WILL PAY A DEATH BENEFIT AT LEAST SUFFICIENT TO COVER THE CREDIT UNION'S OUTLAYS PLUS INTEREST. ANY REMAINING DEATH BENEFITS ARE DIVIDED BETWEEN THE CREDIT UNION AND THE PARTICIPANT'S BENEFICIARIES AS AGREED UPON.

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	TRACY MILLER	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Relationship With Org	CEO	RelationshipWithOrgTxt
Loan Purpose	SPLIT DOLLAR COLLATERAL INSURANCE SUPPLEMENTAL RETIREMENT PLAN	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$750,000	OriginalPrincipalAmt
Balance Due	$837,690	BalanceDueAmt
Default	false	DefaultInd
Board Or Committee Approval	Yes (true)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (true)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$837,690	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE L, PART II	FormAndLineReferenceDesc
Explanation	SCHEDULE L, PART II, LOANS TO AND FROM INTERESTED PERSONS: (A) NAME OF PERSON: TRACY MILLER (B) RELATIONSHIP WITH ORGANIZATION: CEO (C) PURPOSE OF LOAN: SPLIT DOLLAR COLLATERAL ASSIGNMENT - RETIREMENT (D) LOAN TO OR FROM ORGANIZATION = FROM (E) ORIGINAL PRINCIPAL AMOUNT $ 750,000. (F) BALANCE DUE $ 837,690. (G) LOAN IN DEFAULT = NO (H) APPROVED BY BOARD OR COMMITTEE = YES (I) WRITTEN AGREEMENT = YES	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (12 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, LINE 6 CLASSES OF MEMBERS OR STOCKHOLDERS	THE CREDIT UNION HAS MEMBERS.
FORM 990, PART VI, LINE 7A MEMBERS OR STOCKHOLDERS ELECTING MEMBERS OF GOVERNING BODY	BOARD MEMBERS ARE ELECTED BY CREDIT UNION MEMBERSHIP IF ELECTION IS NEEDED.
FORM 990, PART VI, LINE 7B DECISIONS REQUIRING APPROVAL BY MEMBERS OR STOCKHOLDERS	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, LINE 11B REVIEW OF FORM 990 BY GOVERNING BODY	THE CFO AND CEO ARE RESPONSIBLE FOR OVERSEEING THE COMPLETION AND REVIEW OF THE FORM 990 BEFORE IT IS FILED WITH THE IRS.
FORM 990, PART VI, LINE 15A PROCESS TO ESTABLISH COMPENSATION OF TOP MANAGEMENT OFFICIAL	THE APPLICABLE INDIVIDUALS ARE SUBJECT TO AN ANNUAL PERFORMANCE REVIEW AND GIVEN THE RESULTS, WILL BE COMPARED WITH PEER DATA TO ENSURE A COMPETITIVE AND COMMENSURATE PACKAGE IS PROVIDED.
FORM 990, PART VI, LINE 19 REQUIRED DOCUMENTS AVAILABLE TO THE PUBLIC	THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY AND GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC.
FORM 990, PART VIII, LINE 2F OTHER PROGRAM SERVICE REVENUE	- TOTAL REVENUE: 6492171, RELATED OR EXEMPT FUNCTION REVENUE: 6492171, UNRELATED BUSINESS REVENUE: , REVENUE EXCLUDED FROM TAX UNDER SECTIONS 512, 513, OR 514: ;
FORM 990, PART IX, LINE 11G OTHER FEES:	OTHER PROFESSIONAL FEES 207,535. TOTAL OTHER FEES ON FORM 990, PART IX, LINE 11G, COL A 275,535.
FORM 990, PART IX, LINE 24E ALL OTHER FUNCTIONAL EXPENSES:	MISCELLANEOUS 2,816,921. VISA EXPENSES 50,423. TOTAL OTHER EXPENSES ON FORM 990, PART IX, LINE 24E, COL A 2,867,344.
FORM 990, PART XI, LINE 9 OTHER CHANGES IN NET ASSETS OR FUND BALANCES	NET CHANGE IN UNREALIZED GAINS/(LOSSES) ON POST RETIREMENT BENEFIT PLAN - 978; TOTAL - 978;
FORM 990, PART XII, LINE 2C CHANGE OF OVERSIGHT PROCESS OR SELECTION PROCESS	WE HAVE A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF THE FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. OUR PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
PART VI GOVERNANCE, MANAGEMENT, AND DISCLOSURE. FORM 990, PART VI, SECTION B, LINE 12:	IF CONFLICTS OF INTEREST ARISE AT THE BOARD OR EMPLOYEE LEVEL, THE IMPLICATED INDIVIDUAL WILL REMOVE HIM/HERSELF FROM THE DECISION MAKING PROCESS. IF APPROVED, THE INDIVIDUAL WILL NOT BE ABLE TO MANAGE THE RELATIONSHIP.