CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: Form 990, tax year 2024

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN (EIN 38-1504660)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-04-07
IRS object ID: 202510979349301426
Schema version: 2024v5.1
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	2025-04-07T11:33:30-07:00	ReturnTs
Tax Period End	2024-12-31	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	2024-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	381504660	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	WEXF	BusinessNameControlTxt
Phone	2317752081	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1015 WILCOX ST	AddressLine1Txt
City	CADILLAC	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49601	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JULIE RUSHING	PersonNm
Person Title	President & CEO	PersonTitleTxt
Signature	2025-04-07	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (true)	IRSResponsiblePrtyInfoCurrInd

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	2024	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JULIE RUSHING	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1015 WILCOX ST	AddressLine1Txt
City	CADILLAC	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49601	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$5,061,616	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.WEXCCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1953	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE QUALITY FINANCIAL SERVICES AT FAIR RATES AND TERMS TO MEET OUT MEMBERS' NEEDS. WE STRIVE TOWARD EXCELLENCE AND ACHIEVEMENT THROUGH SERVICE TO OUR MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	6	VotingMembersGoverningBodyCnt
Voting Members Independent	6	VotingMembersIndependentCnt
Total Employee	60	TotalEmployeeCnt
Total Volunteers	6	TotalVolunteersCnt
Total Gross UBI	$15,779	TotalGrossUBIAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$3,514,086	PYProgramServiceRevenueAmt
CY Program Service Revenue	$3,921,167	CYProgramServiceRevenueAmt
PY Investment Income	$1,131,935	PYInvestmentIncomeAmt
CY Investment Income	$1,140,449	CYInvestmentIncomeAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$4,646,021	PYTotalRevenueAmt
CY Total Revenue	$5,061,616	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,116,307	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,539,135	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,109,580	PYOtherExpensesAmt
CY Other Expenses	$2,312,218	CYOtherExpensesAmt
PY Total Expenses	$4,225,887	PYTotalExpensesAmt
CY Total Expenses	$4,851,353	CYTotalExpensesAmt
PY Revenues Less Expenses	$420,134	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$210,263	CYRevenuesLessExpensesAmt
Total Assets BOY	$79,644,073	TotalAssetsBOYAmt
Total Assets EOY	$84,143,370	TotalAssetsEOYAmt
Total Liabilities BOY	$74,086,512	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$78,051,677	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$5,557,561	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$6,091,693	NetAssetsOrFundBalancesEOYAmt
Mission	TO PROVIDE QUALITY FINANCIAL SERVICES AT FAIR RATES AND TERMS TO MEET OUT MEMBERS' NEEDS. WE STRIVE TOWARD EXCELLENCE AND ACHIEVEMENT THROUGH SERVICE TO OUR MEMBERS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	PROVIDE 8,373 MEMBERS WITH REGULAR SHARES, MONEY MARKET, SHARE DRAFT, IRA, AND CERTIFICATE OF DEPOSIT ACCOUNTS AS OF DECEMBER 31, 2024.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDE 14,795 LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, HOME EQUITY, AND CREDIT CAR LOANS, AS OF DECEMBER 31, 2024.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELLERS CHECKS, BILL PAY, OVERDRAFT/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	false	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	859	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	60	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	6	GoverningBodyVotingMembersCnt
Independent Voting Member	6	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	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	Yes (true)	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
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	LEVON GARBOOSHIAN	PersonNm
Phone	2317552081	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1015 WILCOX ST	AddressLine1Txt
City	CADILLAC	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49601	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (9 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
JULIE RUSHING
CEO	40.00	0.00	Yes (X)	$160,370	$0	$44,369
SHANI PERRY
COO	40.00	0.00	Yes (X)	$120,833	$0	$45,791
LEVON GARBOOSHIAN
CFO	40.00	0.00	Yes (X)	$114,388	$0	$35,567
MARGARET ELMORE
Chairman	1.00	0.00		$0	$0	$0	Yes (X)
RICHARD GIDDENS
Director	1.00	0.00		$0	$0	$0	Yes (X)
ERIC GILDNER
Director	1.00	0.00		$0	$0	$0	Yes (X)
LORETTA OLSEN
Director	1.00	0.00		$0	$0	$0	Yes (X)
CARL OUWINGA
Director	1.00	0.00		$0	$0	$0	Yes (X)
HAROLD MEEUWES
Director	1.00	0.00		$0	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$395,591	TotalReportableCompFromOrgAmt
Total Other Compensation	$125,727	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	3	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
CUANSWERS
6000 28TH ST SE WTE 100	GRAND RAPIDS	MI	495466927	DATA PROCESSOR	$269,288
REDROCK SECURITY
1101 40TH ST SE	GRAND RAPIDS	MI	49508	IT SERVICES	$157,880
SALUS GROUP
38233 MOUND RD BUILDING F	STERLING HTS	MI	48310	HEALTH INSURANCE	$343,035
FIS
601 RIVERSIDE AVE	JACKSONVILLE	FL	32204	CREDIT CARD PROCESSOR	$106,819

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

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
FEE AND OTHER INCOME	522100	$1,306,278	$1,306,278
INTERCHANGE INCOME	522100
INTEREST ON LOANS	522100	$2,599,110	$2,599,110
NON MEMBER ATM FEES	900099	$6,859		$6,859
NON-MEM SHRD BRANCHING	900099	$8,920		$8,920

Field	Value	IRS element (for citing)
Total Program Service Revenue	$3,921,167	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,140,449	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,140,449	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	$5,061,616	TotalRevenueColumnAmt
Related Or Exempt Func Income	$5,045,837	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$15,779	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	$521,318	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	$1,632,849	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$12,017	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$209,557	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$163,394	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	$0	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	$36,152	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$524,269	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$228,916	TotalAmt

Royalties RoyaltiesGrp

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

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$151,528	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$24,192	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	$480,667	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$13,872	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$106,966	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$739	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING EXPENSE	$325,264
PROVISION FOR CREDIT LOSSES	$247,679
PRO SERVICES	$155,863
OPERATING FEES	$12,218

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,893	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,851,353	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	$1,480,147	BOYAmt
EOY	$2,612,878	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$13,394,822	BOYAmt
EOY	$16,529,313	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	$834,023	BOYAmt
EOY	$547,077	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	$42,886,236	BOYAmt
EOY	$44,408,982	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	$81,758	BOYAmt
EOY	$86,104	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$4,432,572	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,693,434	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,414,767	BOYAmt
EOY	$2,739,138	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$17,608,123	BOYAmt
EOY	$15,280,736	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$941,571	BOYAmt
EOY	$747,048	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	$1,002,626	BOYAmt
EOY	$1,192,094	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$79,644,073	BOYAmt
EOY	$84,143,370	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$392,332	BOYAmt
EOY	$319,173	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$73,694,180	BOYAmt
EOY	$77,732,504	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$74,086,512	BOYAmt
EOY	$78,051,677	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	$5,557,561	BOYAmt
EOY	$6,091,693	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$5,557,561	BOYAmt
EOY	$6,091,693	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$79,644,073	BOYAmt
EOY	$84,143,370	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$210,263	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$323,869	NetUnrlzdGainsLossesInvstAmt
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	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	$188,481	OtherCostOrOtherBasisAmt
Book Value	$188,481	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,463,037	OtherCostOrOtherBasisAmt
Depreciation	$633,462	DepreciationAmt
Book Value	$829,575	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$569,829	OtherCostOrOtherBasisAmt
Depreciation	$335,140	DepreciationAmt
Book Value	$234,689	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,211,225	OtherCostOrOtherBasisAmt
Depreciation	$724,832	DepreciationAmt
Book Value	$1,486,393	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$2,739,138	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
OTHER LIABILITIES	$320,118
SHARES	$77,412,386

Field	Value	IRS element (for citing)
Total Liability	$77,732,504	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 (2 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt
JULIE RUSHING
CEO	$160,370	$27,844	$16,525	$204,739
SHANI PERRY
COO	$120,833	$18,653	$27,138	$166,624

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, Line 7a	THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
Form 990, Part VI, Section A, Line 7b	A NOMINATING COMMITTEE RECOMMENDS INDIVIDUALS AT THE ANNUAL MEETING AND ARE VOTED IN BY THE CURRENT BOARD OF DIRECTORS TO FILL AVAILABLE VACANCIES. EACH BOARD MEMBER IS ELECTED FOR A THREE-YEAR TERM.
Form 990, Part VI, Section B, Line 11b	A REVIEW IS CONDUCTED BY THE CEO PRIOR TO THE SUBMISSION TO THE IRS.
Form 990, Part VI, Section B, Line 12c	THE BOARD OF DIRECTORS AND SR. MANAGEMENT ARE REQUIRED TO SUBMIT ANNUALLY A WRITTEN ACKNOWLEDGEMENT FOR POTENTIAL CONFLICTS OF INTEREST
Form 990, Part VI, Section B, Line 15a	THE BOARD OF DIRECTORS COMPLETE A PERFORMANCE APPRAISAL EVALUATION OF THE CEO ANNUALLY. SALARY INCREASES ARE REVIEWED AND VOTED ON BASED ON OVERALL PERFORMANCE AND THE COST OF LIVING. LAST REVIEW WAS IN 2024.
Form 990, Part VI, Section B, Line 15b	KEY EMPLOYEES RECEIVE AN ANNUAL PERFORMANCE REVIEW AND COMPENSATION IS ADJUSTED BASED ON THOSE REVIEWS.
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.