2026-04-20T06:16:07-07:00 2025-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2025-01-01 381586641 CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN NORTH CENTRAL AREA CREDIT UNION CRED 9899105135 2665 S RESERVE ROAD HOUGHTON LAKE MI 48629 MARK RICHTER CEO 2026-04-20 true Thomas Cvinar P00743293 8005225820 2025 2025-03-06 01:10:19Z MARK RICHTER 2665 S RESERVE ROAD HOUGHTON LAKE MI 48629 19491999 false X https://ncacu.org/ X 1956 MI TO PROVIDE AFFORDABLE, HIGH QUALITY, COMPLETE FINANCIAL SERVICES TO OUR MEMBERS AND THEIR FAMILIES AND TO FOSTER CONTINUED GROWTH AND STABILITY OF THE CREDIT UNION. 10 10 85 13 315876 55342 0 14880674 17442945 1918688 2014293 -113992 34761 16685370 19491999 0 0 5393057 6502253 0 0 8285250 9664821 13678307 16167074 3007063 3324925 241687217 260763763 220616431 234292004 21070786 26471759 TO PROVIDE AFFORDABLE, HIGH QUALITY, COMPLETE FINANCIAL SERVICES TO OUR MEMBERS AND THEIR FAMILIES AND TO FOSTER CONTINUED GROWTH AND STABILITY OF THE CREDIT UNION. false false PROVIDE 20,029 MEMBERS WITH SAVINGS, CHECKING, CLUB, MONEY MARKET, INDIVIDUAL RETIREMENT AND CERTIFICATE OF DEPOSIT ACCOUNTS TOTALING $231.8 MILLION. PROVIDE APPROX. 14,627 VEHICLE, REAL ESTATE, BUSINESS, CREDIT CARD AND LINE OF CREDIT LOANS. OFFER ATM AND DEBIT CARDS, OVERDRAFT PROTECTION, MONEY ORDERS AND INSURANCE PRODUCTS TO ALL ELIGIBLE MEMBERS. false false false false false false false false false true false false false true false true false false false false false false false false false false false false true false true false false false false false false false false false false false false true 4389 0 true 85 true true true false false false false false false false X 10 10 false false false false true true true true true false true true false true true true true true true true false X MICHELLE ROSS 9899105135 2665 S RESERVE ROAD HOUGHTON LAKE MI 48629 MARK RICHTER CEO 40.00 0.00 X 389385 0 52460 MICHELLE ROSS CFO 40.00 0.00 X 188276 0 37963 KELLY MCCARTY-TUBBS Vice President 40.00 0.00 X 180637 0 34137 TAMMY SCHWALM COO 40.00 0.00 X 181379 0 32030 PHILIP JACQUES Vice President 40.00 0.00 X 163692 0 35516 STEPHEN WITT Chairman 1.00 0.00 X 0 0 0 ERIC HAMP Treasurer 1.00 0.00 X 0 0 0 KOREEN PRAY Secretary 1.00 0.00 X 0 0 0 KAREN WIETZKE Director 1.00 0.00 X 0 0 0 MEGAN BARNES Director 1.00 0.00 X 0 0 0 LAURIE HULL Director 1.00 0.00 X 0 0 0 THOMAS MOREAU Director 1.00 0.00 X 0 0 0 DAVE DENBOER Director 1.00 0.00 X 0 0 0 MARK DERYLO Director 1.00 0.00 X 0 0 0 ANTHONY RUSSO Director 1.00 0.00 X 0 0 0 1103369 192106 5 false true false CUANSWERS 6000 28TH ST SE 100 GRAND RAPIDS MI 49546 DATA PROCESSING 570125 VELERA 615 CHANNELSIDE DR STE 204 TAMPA FL 33602 PAYMENT SOLUTIONS 579197 FIS 601 Riverside Ave Jacksonville FL 32204 CREDIT CARD PROCESSING 281495 THRIVE 1771 PARK DR TRAVERSE CITY MI 49686 IT SERVICES 117382 4 0 CAR WARRANTY INCOME 525990 241352 241352 FEE AND OTHER INCOME 522100 4273112 4273112 FINANCIAL SERVICES - CUSO 523000 19162 19162 INSURANCE SALES 524298 36676 36676 LOAN INTEREST 522100 12853957 12853957 18686 18686 17442945 1847688 1847688 0 0 0 166605 166605 166605 166605 0 0 0 MORTGAGE SALES 522299 34761 34761 34761 19491999 19176123 315876 0 0 0 0 1295475 0 3597999 522083 726015 360681 0 29574 0 0 0 4302 0 357890 1172565 365349 0 612028 347636 0 0 3503453 15625 348481 72075 PROVISION FOR CREDIT LOSSES 1229613 LOAN SERVICING 1211313 PROF. & OUTSIDE SERVICES 183959 CDI 92808 118150 16167074 0 0 0 788766 2836367 42179420 28954646 0 45406 16765 3800000 0 160467318 184983329 0 115131 267779 11629571 3120098 4920064 8509473 26054360 23427256 1309632 3089665 0 772648 760047 5034472 4118436 241687217 260763763 2142132 1714460 218474299 232577544 220616431 234292004 X 21070786 26471759 21070786 26471759 241687217 260763763 X 3324925 1667486 408562 X false false false 1029962 1029962 6672356 1528906 5143450 1348896 374323 974573 2578357 1216869 1361488 8509473 MEMBER SHARES 232577544 232577544 19491999 19491999 19491999 16167074 16167074 16167074 X X false true false KELLY MCCARTY-TUBBS Vice President 138942 41695 18488 15649 214774 MARK RICHTER CEO 302752 86633 34105 18355 441845 MICHELLE ROSS CFO 141497 46779 19608 18355 226239 PHILIP JACQUES Vice President 128355 35337 17166 18350 199208 TAMMY SCHWALM COO 140174 41205 18449 13581 213409 MARK RICHTER CEO SPLITDOLLAR X 3800000 3902451 false true true 3902451 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 BOARD MEMBERS ARE ELECTED AT THE ANNUAL MEETING FOR THREE YEAR STAGGERED TERMS. Form 990, Part VI, Section A, Line 7b MERGERS AND CERTAIN CHARTER CONVERSIONS REQUIRE A VOTE BY THE MEMBERSHIP. Form 990, Part VI, Section B, Line 11b 990 is reviewed by CFO, and CEO before submitted by PREPARER. Form 990, Part VI, Section B, Line 12c Compliance department ensures policy is reviewed annually for any changes Form 990, Part VI, Section B, Line 15a USE COMPEASE SYSTEM WITH COMPARABLE DATE, ALONG WITH EXECUTIVE COMPENSATION COMMITTEE REVIEW FOR APPROVAL TO THE BOARD. Form 990, Part VI, Section B, Line 15b COMPEASE IS USED TO SCORE OFFICES BY THE VP OF HR, AND THEN GIVEN TO THE CEO FOR REVIEW AND APPROVAL. Form 990, Part VI, Section C, Line 19 THE 990, 990T AND POLICIES ARE AVAILABLE AT THE ADMINISTRATIVE BUILDING AT 2665 S. RESERVE RD. MONTHLY FINANCIAL STATEMENTS ARE DISPLAYED AT EACH CREDIT UNION BRANCH LOBBY. Form 990, Part XI, Line 9 EQUITY ACQUIRED THROUGH MERGER = $203605 Form 990, Part XI, Line 9 OTHER ADJUSTMENTS = $204957