2025-04-11T10:53:16-07:00 2024-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2024-01-01 381448844 MICHIGAN UNITED CREDIT UNION MICH 2486475958 576 E LINCOLN BIRMINGHAM MI 48009 ANDREW STALEY President & CEO 2025-04-11 true true Donald E Lingerfelt P00339004 8005225820 2024 2025-03-06 01:10:19Z ANDREW STALEY 576 E LINCOLN BIRMINGHAM MI 48009 16718511 false X HTTPS://MICHIGANUNITEDCU.ORG X 1931 MI WE STRIVE TO IMPROVE THE FINANCIAL LIVES OF OUR MEMBERS THROUGH EDUCATION, TRUST, AND INNOVATIVE PRODUCTS AND SERVICES. 12 12 103 11 21683 0 11999945 13491202 2355254 3227309 0 14355199 16718511 0 0 5692879 6382691 0 0 7043446 8008238 12736325 14390929 1618874 2327582 367730295 331606562 333174033 294605369 34556262 37001193 WE STRIVE TO IMPROVE THE FINANCIAL LIVES OF OUR MEMBERS THROUGH EDUCATION, TRUST, AND INNOVATIVE PRODUCTS AND SERVICES. false false THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF ACTIVE MEMBERS AT 12/31/2024 WAS 23,866. THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2024 WAS 14,748. OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELER'S CHECKS, COURTESY PAY, FINANCIAL EDUCATION & COUNSELING AND VARIOUS INSURANCE PROGRAMS. false false false false false false false false false true true false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true 3050 0 true 103 true true true false false false false false false false X 12 12 false false false false true true true true false false true true false true true true true true true true false X ANDREW STALEY 2486475958 576 E LINCOLN BIRMINGHAM MI 48009 ANDREW STALEY President & CEO 40.00 0.00 X 358339 0 51397 GERRY COYNE Vice President 40.00 0.00 X 167566 0 34250 STACY WILSON Vice President 40.00 0.00 X 178383 0 15589 VICKI BRIDSON CFO 40.00 0.00 X 137606 0 31854 CHRIS TENO Director 40.00 0.00 X 135726 0 31600 ANNETTE SWIDWINSKI Vice President 40.00 0.00 X 140039 0 12521 JAMES BOEHLER Vice President 40.00 0.00 X 108325 0 32521 RICHARD PERRY Chairman 1.00 0.00 X 0 0 0 JAMES STEVENSON Director 1.00 0.00 X 0 0 0 NORMAN JUCHNO Secretary 1.00 0.00 X 0 0 0 ELIZABETH MOREHOUSE Director 1.00 0.00 X 0 0 0 ROBERT KUPFER Director 1.00 0.00 X 0 0 0 LESLIE LOGAN Treasurer 1.00 0.00 X 0 0 0 LARRY JONES Director 1.00 0.00 X 0 0 0 GLEN MITCHELL Director 1.00 0.00 X 0 0 0 GREG FISHER Director 1.00 0.00 X 0 0 0 DONALD HEYDENS Director 1.00 0.00 X 0 0 0 GEORGE WIEGAND Director 1.00 0.00 X 0 0 0 STEVEN TAYLOR Director 1.00 0.00 X 0 0 0 1225984 209732 7 false true false CUANSWERS 6000 28TH ST GRAND RAPIDS MI 49546 DATA PROCESSING 796511 HEALTH ALLIANCE PLAN 2850 W GRAND BLVD DETROIT MI 48202 HEALTH INSURANCE 596006 FIS 11601 ROOSEVELT BLVD ST PETERSBURG FL 337162202 PLASTICS PROCESSOR 653912 Marquis Software Solutions 5208 Tennyson Pkwy Suite 120 PLANO TX 75024 DIGITAL SOLUTIONS 151011 GARDNER SIGNS 1087 NAUGHTON RD TROY MI 48083 SIGNAGE 107216 7 0 FEES AND CHARGES 525990 1215704 1212861 2843 INSURANCE RELATED REVENUE 524298 4774 4774 INTERCHANGE INCOME 525990 1145857 1145857 INTEREST ON LOANS 522100 11110801 11110801 NON MEMBER ATM FEES 525990 13266 13266 800 800 13491202 3227309 3227309 0 0 0 0 0 0 0 0 16718511 16696828 21683 0 0 0 0 1435716 0 3741173 228420 572304 405078 0 5857 0 0 0 0 0 407863 1230707 639370 0 1025507 134913 0 0 2674326 13461 364699 87333 LOAN SERVICING EXPENSE 719459 MISC 327407 PROVISION FOR LOAN LOSS 217363 PRO SERVICES 110160 49813 14390929 0 0 0 3212309 3153647 74183593 62915759 0 271956 369120 0 0 222582772 205294724 0 1829182 1185741 12819284 2467177 6070038 10352107 25800502 9105719 23268262 34160094 0 1177896 878682 9333785 4190969 367730295 331606562 2282126 1216080 330891907 293389289 333174033 294605369 X 34556262 37001193 34556262 37001193 367730295 331606562 2327582 117349 X false true X false false 2871872 2871872 7343602 1109375 6234227 130015 127848 2167 468285 303393 164892 2005510 926561 1078949 10352107 34160094 OTHER LIABILITIES 39330 SHARES 293349959 293389289 false false false ANDREW STALEY President & CEO 308339 50000 27600 23797 409736 ANNETTE SWIDWINSKI Vice President 131216 8823 11011 1510 152560 CHRIS TENO Director 130848 4278 600 10755 20845 167326 GERRY COYNE Vice President 156272 10694 600 13405 20845 201816 STACY WILSON Vice President 167089 10694 600 14079 1510 193972 VICKI BRIDSON CFO 128183 8823 600 11009 20845 169460 Form 990, Part VI, Section A, Line 6 THE CREDIT UNION HAS SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING Form 990, Part VI, Section A, Line 7a THE BOARD OF DIRECTORS ARE ELECTED FOR THREE YEAR TERMS AT THE ANNUAL MEETING IN MARCH OF EACH YEAR ON A ROTATING BASIS. 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 CEO/PRESIDENT PRIOR TO SUBMISSION TO THE IRS. COPIES ARE MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW. Form 990, Part VI, Section B, Line 12c POLICY IS REVIEWED ANNUALLY, AT WHICH TIME DISCLOSURES, IF ANY, ARE REVIEWED. Form 990, Part VI, Section B, Line 15a THE CEO/PRESIDENT'S COMPENSATION IS REVIEWED ANNUALLY BASED ON PERFORMANCE. THE BOARD OF DIRECTORS UTILIZE SALARY SURVEYS TO APPROVE COMPENSATION. A COMPENSATION SURVEY IS USED AND REVIEWED WITH THE BOARD OF DIRECTORS. THE CEO/PRESIDENT CONDUCTS THE REVIEW OF THE EXECUTIVE VICE PRESIDENT . Form 990, Part VI, Section B, Line 15b THE CEO/PRESIDENT CONDUCTS THE REVIEW OF THE EXECUTIVE VICE PRESIDENTS. 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.