CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN (EIN 38-1439120)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-10-28
IRS object ID: 202403029349301400
Schema version: 2023v5.1
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2024-10-28T10:12:17-05:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	383567911	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	REHMANN ROBSON LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 2025	AddressLine1Txt
City	SAGINAW	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	486052025	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2023-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	381439120	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	FINANCIAL PLUS CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	FINA	BusinessNameControlTxt
Phone	8102442200	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 7006	AddressLine1Txt
City	FLINT	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48507	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	WADE DECKER	PersonNm
Person Title	CHIEF FINANCIAL OFFICER	PersonTitleTxt
Phone	8102442927	PhoneNum
Signature	2024-10-24	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (1)	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JEFFREY E HERT CPA	PreparerPersonNm
PTIN	P00066715	PTIN
Phone	9897999580	PhoneNum
Preparation	2024-10-21	PreparationDt

Field	Value	IRS element (for citing)
Tax	2023	TaxYr
Build TS	2024-10-15 13:58:12Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	WADE DECKER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	G-3381 VAN SLYKE ROAD	AddressLine1Txt
City	FLINT	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48507	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$207,087,442	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.MYFPCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1952	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	ENHANCING THE FINANCIAL WELL-BEING OF OUR MEMBERS AND OUR COMMUNITIES.	ActivityOrMissionDesc
Voting Members Governing Body	11	VotingMembersGoverningBodyCnt
Voting Members Independent	11	VotingMembersIndependentCnt
Total Employee	328	TotalEmployeeCnt
Total Volunteers	18	TotalVolunteersCnt
Total Gross UBI	$143,921	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$45,254,674	PYProgramServiceRevenueAmt
CY Program Service Revenue	$66,599,156	CYProgramServiceRevenueAmt
PY Investment Income	$4,711,442	PYInvestmentIncomeAmt
CY Investment Income	$9,619,252	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$49,966,116	PYTotalRevenueAmt
CY Total Revenue	$76,218,408	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$18,363,859	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$23,325,778	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$24,209,628	PYOtherExpensesAmt
CY Other Expenses	$43,423,751	CYOtherExpensesAmt
PY Total Expenses	$42,573,487	PYTotalExpensesAmt
CY Total Expenses	$66,749,529	CYTotalExpensesAmt
PY Revenues Less Expenses	$7,392,629	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$9,468,879	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,232,513,294	TotalAssetsBOYAmt
Total Assets EOY	$1,286,739,109	TotalAssetsEOYAmt
Total Liabilities BOY	$1,101,199,184	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,142,750,941	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$131,314,110	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$143,988,168	NetAssetsOrFundBalancesEOYAmt
Mission	COMMITMENT TO ENHANCING THE FINANCIAL WELL-BEING OF OUR MEMBERS! PASSION FOR SERVICE! DEDICATION TO ENRICHING THE COMMUNITIES WE SERVE!	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	WE PROVIDE SAFE AND AFFORDABLE FINANCIAL PRODUCTS THAT ENABLED OUR 81,000+ MEMBERS TO MEET FINANCIAL GOALS SUCH AS PURCHASING A VEHICLE OR NEW HOME, SAVING FOR LIFE EVENTS SUCH AS COLLEGE AND WEDDINGS, OR JUST PAYING BILLS EFFICIENTLY AND CONVENIENTLY ONLINE OR WITH THEIR PHONES.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	15679	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	328	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Rcv Fnds To Pay Prsnl Bnft Cntrct	0	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	0	PayPremiumsPrsnlBnftCntrctInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	Yes (1)	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	11	GoverningBodyVotingMembersCnt
Independent Voting Member	11	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	MI	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	WADE DECKER	PersonNm
Phone	8102442927	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	G-3381 VAN SLYKE ROAD	AddressLine1Txt
City	FLINT	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48507	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (20 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
MICHAEL BALLS
VICE CHAIRMAN	1.00	Yes (X)	Yes (X)	$0	$0	$0
BARNEY HENNESSY
CHAIRMAN	1.00	Yes (X)	Yes (X)	$0	$0	$0
WILLIAM TYNES
DIRECTOR	1.00	Yes (X)		$0	$0	$0
KIM JONES
SECRETARY	1.00	Yes (X)	Yes (X)	$0	$0	$0
KIRK RHEAUME
DIRECTOR	1.00	Yes (X)		$0	$0	$0
DIANA WEBB
TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
LARRY CAMPBELL
DIRECTOR	1.00	Yes (X)		$0	$0	$0
LISA SHOEMAKER
VP OF MORTGAGE LENDING	50.00	Yes (X)		$153,313	$0	$31,440
BERNARD WILLIAMS
INTEGRATION ADVISOR	50.00	Yes (X)		$1,151,371	$0	$37,341
RON JANSSON
DIRECTOR	1.00	Yes (X)		$0	$0	$0
LISA WILSON
DIRECTOR	1.00	Yes (X)		$0	$0	$0
GERALD LITTLE
DIRECTOR	1.00	Yes (X)		$0	$0	$0
GUS ALEXANDER
DIRECTOR	1.00	Yes (X)		$0	$0	$0
WADE DECKER
CFO	50.00		Yes (X)	$287,485	$0	$52,192
BRADLEY BERGMOOSER
PRESIDENT & CEO	50.00		Yes (X)	$646,906	$0	$67,308
DEANNA WALLACE
SVP OF PEOPLE AND RETAIL DELIVERY	50.00			$201,252	$0	$38,627	Yes (X)
RACHELLE KIPPE
SVP OF LENDING	50.00			$202,140	$0	$42,089	Yes (X)
TAMMY O'LEARY
INTEGRATION ADVISOR	50.00			$469,168	$0	$2,587	Yes (X)
NATHAN ADAMS
DIRECTOR OF BUSINESS SERVICES	50.00			$174,607	$0	$39,428		Yes (X)
DOUG FENLON
DIRECTOR OF IT	50.00			$151,760	$0	$31,892		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$3,438,002	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$342,904	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	9	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
PSCU
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CALL/CONTACT CENTER OUTSOURCING	$5,478,164
MDT
7415 CHICAGO DR	WARREN	MI	48092	CORE SYSTEMS CHARGES	$3,021,798
VISA USA INC
PO BOX 742233	LOS ANGELES	CA	90074	VISA CARD BIN NUMBER SYSTEM CHARGES	$1,097,241
BACKSWING MARKETING
61 ANNETTO DR	CROWN POINT	IN	46307	MEDIA ADS	$723,632
PERSONIX
75 REMITTANCE DR SUITE 6959	CHICAGO	IL	60675	CARD PROCESSING SERVICE AND SUPPLIES	$507,388

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST	522100	$49,028,407	$49,028,407
FEES & OPERATING INCOME	522100	$17,570,749	$17,426,828	$143,921

Field	Value	IRS element (for citing)
Total Program Service Revenue	$66,599,156	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,823,234	TotalRevenueColumnAmt
Related Or Exempt Func Income	$8,823,234	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$131,641,773	SecuritiesAmt
Other	$23,279	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$130,850,105	SecuritiesAmt
Other	$18,929	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$791,668	SecuritiesAmt
Other	$4,350	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$796,018	TotalRevenueColumnAmt
Related Or Exempt Func Income	$796,018	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$76,218,408	TotalRevenueColumnAmt
Related Or Exempt Func Income	$76,074,487	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$143,921	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$3,383,220	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$14,540,530	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,539,067	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$2,543,297	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,319,664	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$1,875,096	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$28,271	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$235,192	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$570,548	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$2,348,234	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,248,884	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$3,849,793	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$652,396	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$309,959	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$2,406	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$11,687,745	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$2,881,525	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$88,423	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$6,439,218
CREDIT CARD EXPENSES	$2,116,102
LOAN SERVICING	$1,929,584
REPAIRS AND MAINTENANCE	$1,679,891

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,480,484	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$66,749,529	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$15,773,051	BOYAmt
EOY	$16,965,267	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$39,663,010	BOYAmt
EOY	$64,846,712	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$12,653,944	BOYAmt
EOY	$16,262,238	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$3,436,000	BOYAmt
EOY	$3,474,000	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$832,688,447	BOYAmt
EOY	$915,285,335	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,841,579	BOYAmt
EOY	$1,866,689	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$42,966,687	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$23,310,124	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$19,526,336	BOYAmt
EOY	$19,656,563	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$262,060,857	BOYAmt
EOY	$218,687,850	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$3,155,900	BOYAmt
EOY	$4,050,000	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$9,138,188	BOYAmt
EOY	$8,184,638	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$32,575,982	BOYAmt
EOY	$17,459,817	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,232,513,294	BOYAmt
EOY	$1,286,739,109	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$4,990,665	BOYAmt
EOY	$12,954,414	EOYAmt

Grants Payable GrantsPayableGrp

Field	Value	IRS element (for citing)
BOY	$1,594,143	BOYAmt
EOY	$2,000,335	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$25,000,000	BOYAmt
EOY	$65,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,069,614,376	BOYAmt
EOY	$1,062,796,192	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,101,199,184	BOYAmt
EOY	$1,142,750,941	EOYAmt

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

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

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

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

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

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$131,314,110	BOYAmt
EOY	$143,988,168	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$131,314,110	BOYAmt
EOY	$143,988,168	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,232,513,294	BOYAmt
EOY	$1,286,739,109	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$9,468,879	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$6,786,152	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$3,580,973	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	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 (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,368,066	OtherCostOrOtherBasisAmt
Book Value	$4,368,066	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$28,613,994	OtherCostOrOtherBasisAmt
Depreciation	$15,006,988	DepreciationAmt
Book Value	$13,607,006	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,853,501	OtherCostOrOtherBasisAmt
Depreciation	$8,303,136	DepreciationAmt
Book Value	$550,365	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,131,126	OtherCostOrOtherBasisAmt
Book Value	$1,131,126	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$19,656,563	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (4 entries)

DescDesc	AmtAmt
ACCRUED PAYROLL LIABILITIES	$2,309,046
MEMBERS' ACCOUNTS	$1,050,181,549
OTHER LIABILITIES	-$1,027,403
PRIMARY FINANCIAL SIMPLI CD	$11,333,000

Field	Value	IRS element (for citing)
Total Liability	$1,062,796,192	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$76,218,408	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$76,218,408	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$76,218,408	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$66,749,529	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$66,749,529	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$66,749,529	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION HAS EVALUATED ITS INCOME TAX FILING POSITIONS FOR THE YEARS 2020 THROUGH 2023, THE YEARS WHICH REMAIN SUBJECT TO EXAMINATION BY MAJOR TAX JURISDICTIONS AS OF DECEMBER 31, 2023. THE CREDIT UNION CONCLUDED THAT THERE ARE NO SIGNIFICANT UNCERTAIN TAX POSITIONS REQUIRING RECOGNITION IN THE CREDIT UNION'S FINANCIAL STATEMENTS. THE CREDIT UNION DOES NOT EXPECT THE TOTAL AMOUNT OF UNRECOGNIZED TAX BENEFITS ("UTB") (E.G., TAX DEDUCTIONS, EXCLUSIONS, OR CREDITS CLAIMED OR EXPECTED TO BE CLAIMED) TO SIGNIFICANTLY CHANGE IN THE NEXT 12 MONTHS. THE CREDIT UNION DOES NOT HAVE ANY AMOUNTS ACCRUED FOR INTEREST AND PENALTIES RELATED TO UTBS AT DECEMBER 31, 2023 AND 2022, AND IT IS NOT AWARE OF ANY CLAIMS FOR SUCH AMOUNTS BY FEDERAL OR STATE INCOME TAX AUTHORITIES.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	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
BERNARD WILLIAMS
INTEGRATION ADVISOR	$369,873	$0	$0	$0	$781,498	$0	$22,079	$0	$15,262	$0	$1,188,712	$0	$0	$0
BRADLEY BERGMOOSER
PRESIDENT & CEO	$487,168	$0	$152,910	$0	$6,828	$0	$46,137	$0	$21,171	$0	$714,214	$0	$0	$0
TAMMY O'LEARY
INTEGRATION ADVISOR	$12,330	$0	$0	$0	$456,838	$0	$2,548	$0	$39	$0	$471,755	$0	$0	$0
WADE DECKER
CFO	$262,720	$0	$24,765	$0	$0	$0	$31,898	$0	$20,294	$0	$339,677	$0	$0	$0
RACHELLE KIPPE
SVP OF LENDING	$184,488	$0	$17,652	$0	$0	$0	$23,071	$0	$19,018	$0	$244,229	$0	$0	$0
DEANNA WALLACE
SVP OF PEOPLE AND RETAIL DELIVERY	$184,769	$0	$16,483	$0	$0	$0	$22,629	$0	$15,998	$0	$239,879	$0	$0	$0
NATHAN ADAMS
DIRECTOR OF BUSINESS SERVICES	$128,322	$0	$46,285	$0	$0	$0	$20,551	$0	$18,877	$0	$214,035	$0	$0	$0
LISA SHOEMAKER
VP OF MORTGAGE LENDING	$133,388	$0	$19,925	$0	$0	$0	$14,440	$0	$17,000	$0	$184,753	$0	$0	$0
DOUG FENLON
DIRECTOR OF IT	$142,349	$0	$9,411	$0	$0	$0	$16,491	$0	$15,401	$0	$183,652	$0	$0	$0

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (2 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
BRADLEY BERGMOOSER
CEO	SPLIT DOLLAR LIFE INSURANCE	Yes (X)	$1,975,000	$2,057,000	0	Yes (1)	Yes (1)
BERNARD WILLIAMS
INTEGRATION ADVISOR	SPLIT DOLLAR LIFE INSURANCE	Yes (X)	$1,312,000	$1,417,000	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$3,474,000	TotalBalanceDueAmt

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	MEMBERS ELECT AND VOTE ON BOARD MEMBERS AT THE ANNUAL MEETING.
FORM 990, PART VI, SECTION A, LINE 7B	MEMBERS ELECT AND VOTE ON BOARD MEMBERS AT THE ANNUAL MEETING. MERGER INTO ANOTHER INSTITUTION WOULD BE VOTED ON BY THE ENTIRE MEMBERSHIP.
FORM 990, PART VI, SECTION B, LINE 11B	THE CHIEF FINANCIAL OFFICER WILL REVIEW THE 990 WITH THE BOARD PRIOR TO SUBMISSION.
FORM 990, PART VI, SECTION B, LINE 12C	CONFLICTS OF INTEREST ARE REQUIRED TO BE DISCLOSED BY MEMBERS. RELATED PARTIES ARE REVIEWED ON A QUARTERLY BASIS.
FORM 990, PART VI, SECTION B, LINE 15	COMPARABLE INDUSTRY COMPENSATION DATA IS OBTAINED FROM A THIRD PARTY PROVIDER AND REVIEWED BY THE BOARD.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY IS AVAILABLE UPON REQUEST. THE CONDENSED FINANCIAL STATEMENT IS POSTED AT EACH OF THE BRANCHES MONTHLY.
FORM 990, PART XI, LINE 9:	LIABILITY ADJ. ON POST-RETIREMENT HEALTH CARE 159,221. PRIOR YEAR MERGER COSTS -3,740,194.
FORM 990, PART XII, LINE 2C	THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.