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 38-1642684)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-05-19
IRS object ID: 202511399349300221
Schema version: 2024v5.1
Note: A later return for the same period supersedes this one.
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	2025-05-19T07:12:08-07:00	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	381642684	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS CHARTERED IN THE STATE OF	BusinessNameLine1Txt
Business Name Line2	SUNRISE FAMILY CREDIT UNION	BusinessNameLine2Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	9896841730	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	404 SOUTH EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48706	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	WHITNEY SODE	PersonNm
Person Title	CFO	PersonTitleTxt
Signature	2025-05-19	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)
Amended Return	Yes (X)	AmendedReturnInd
Principal Officer	JEFF RABANUS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	404 SOUTH EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	487063206	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$6,004,587	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	https://www.sunrisefamilycu.org/	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1956	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	MEMBER OWNED AND MEMBER CONTROLLED FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SOUND COMPREHENSIVE SERVICES TO ITS FAMILY OF MEMBERS	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	56	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$67,651	TotalGrossUBIAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$3,785,950	PYProgramServiceRevenueAmt
CY Program Service Revenue	$4,025,868	CYProgramServiceRevenueAmt
PY Investment Income	$1,719,804	PYInvestmentIncomeAmt
CY Investment Income	$1,981,092	CYInvestmentIncomeAmt
CY Other Revenue	-$2,373	CYOtherRevenueAmt
PY Total Revenue	$5,505,754	PYTotalRevenueAmt
CY Total Revenue	$6,004,587	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$1,976,228	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,329,742	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$3,169,495	PYOtherExpensesAmt
CY Other Expenses	$3,353,408	CYOtherExpensesAmt
PY Total Expenses	$5,145,723	PYTotalExpensesAmt
CY Total Expenses	$5,683,150	CYTotalExpensesAmt
PY Revenues Less Expenses	$360,031	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$321,437	CYRevenuesLessExpensesAmt
Total Assets BOY	$138,641,467	TotalAssetsBOYAmt
Total Assets EOY	$133,811,001	TotalAssetsEOYAmt
Total Liabilities BOY	$130,406,436	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$123,535,979	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$8,235,031	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$10,275,022	NetAssetsOrFundBalancesEOYAmt
Mission	MEMBER OWNED AND MEMBER CONTROLLED FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SOUND COMPREHENSIVE SERVICES TO ITS FAMILY OF MEMBERS	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	PROVIDE 11,343 MEMBERS WITH REGULAR SAVINGS, SHARE DRAFTS, CERTIFICATE OF DEPOSIT, IRA, MONEY MARKET AND CLUB ACCOUNTS TOTALING 18,409.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDE 4,489 LOANS INCLUDING VEHICLE, PERSONAL, HOME EQUITY, MORTGAGE BUSINESS, OVERDRAFT, SHARE SECURED, INDIRECT AND CREDIT CARD LOANS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, NO COST BILL PAYER, STUDENT SCHOLARSHIPS, FINANCIAL LITERCY WORKSHOPS IN-SCHOOL, BRANCHES, 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	Yes (true)	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	1040	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	56	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	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	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	false	MinutesOfGoverningBodyInd
Minutes Of Committees	false	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	false	WhistleblowerPolicyInd
Document Retention Policy	false	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	WHITNEY SODE	PersonNm
Phone	9896841730	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	404 S EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48706	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
JEFF RABANUS
CEO	40.00	0.00	Yes (X)	$183,530	$0	$60,275
MICHELLE HINE
Vice President	40.00	0.00	Yes (X)	$101,552	$0	$37,242
CJ MONTANA
Treasurer	1.00	0.00		$0	$0	$0	Yes (X)
DAVE HUNT
Director	1.00	0.00		$0	$0	$0	Yes (X)
DAVID WOLTHUIS
Director	1.00	0.00		$0	$0	$0	Yes (X)
LOUIS MEYETTE
Director	1.00	0.00		$0	$0	$0	Yes (X)
DAVID ROYAL
Director	1.00	0.00		$0	$0	$0	Yes (X)
JAMES VOSS
Chairman	1.00	0.00		$0	$0	$0	Yes (X)
KATHERINE GRANT
Secretary	1.00	0.00		$0	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$285,082	TotalReportableCompFromOrgAmt
Total Other Compensation	$97,517	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	2	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
FISERV
75 REMITTANCE DRIVE	CHICAGO	IL	60675	DATA PROCESSOR	$139,887
PSCU
PO BOX 37603	PHILADELPHIA	PA	19101	CREDIT CARD PROCESSOR	$231,172
CO-OP
9692 HAVEN AVENUE	RANCHO CUCAMONGA	CA	91730	DEBIT/ATM PROCESSOR	$398,270
YEO & YEO CPAS AND ADVISORS
5300 BAY RD	SAGNIAW	MI	48604	IT CONSULTING & SERVICES	$120,694

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

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
FEE AND OTHER INCOME	522100	$1,211,491	$1,211,491
INTEREST ON LOANS	522100	$2,746,726	$2,746,726
NON-MEMBER ATM	525990	$67,651		$67,651

Field	Value	IRS element (for citing)
Total Program Service Revenue	$4,025,868	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,981,092	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,981,092	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

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	LOAN SALES	Desc
Business	522299	BusinessCd
Total Revenue Column	-$2,373	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$2,373	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	-$2,373	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$6,004,587	TotalRevenueColumnAmt
Related Or Exempt Func Income	$5,936,936	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$67,651	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	$382,599	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	$1,558,463	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$79,559	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$163,936	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$145,185	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	$3,192	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	$71,904	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,057,384	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$290,432	TotalAmt

Royalties RoyaltiesGrp

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

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$242,445	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$44,257	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	$531,097	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$13,430	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$250,107	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$44,770	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING EXPENSE	$328,774
PROVISION FOR CREDIT LOSSES	$251,954
OTHER	$129,121
PRO SERVICES	$94,541

All Other Expenses AllOtherExpensesGrp

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

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,683,150	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	$990,605	BOYAmt
EOY	$1,664,656	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$30,497,777	BOYAmt
EOY	$30,788,410	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	$268,991	BOYAmt
EOY	$402,053	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	$46,844,130	BOYAmt
EOY	$46,478,851	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	$242,460	BOYAmt
EOY	$181,608	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$7,101,491	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$3,363,550	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$3,721,194	BOYAmt
EOY	$3,737,941	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$44,891,070	BOYAmt
EOY	$38,782,136	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$8,276,936	BOYAmt
EOY	$9,912,229	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	$2,908,304	BOYAmt
EOY	$1,863,117	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$138,641,467	BOYAmt
EOY	$133,811,001	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$2,345,219	BOYAmt
EOY	$429,922	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$128,061,217	BOYAmt
EOY	$123,106,057	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$130,406,436	BOYAmt
EOY	$123,535,979	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	$8,235,031	BOYAmt
EOY	$10,275,022	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$8,235,031	BOYAmt
EOY	$10,275,022	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$138,641,467	BOYAmt
EOY	$133,811,001	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$321,437	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,616,756	NetUnrlzdGainsLossesInvstAmt
Prior Period Adjustments	$101,798	PriorPeriodAdjustmentsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	false	FSAuditedInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$666,222	OtherCostOrOtherBasisAmt
Book Value	$666,222	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,744,975	OtherCostOrOtherBasisAmt
Depreciation	$2,173,836	DepreciationAmt
Book Value	$2,571,139	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,690,294	OtherCostOrOtherBasisAmt
Depreciation	$1,189,714	DepreciationAmt
Book Value	$500,580	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$3,737,941	TotalBookValueLandBuildingsAmt
Total Book Value Securities	$9,912,229	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
MEMBER SHARES	$122,933,914
OTHER LIABILITIES	$172,143

Field	Value	IRS element (for citing)
Total Liability	$123,106,057	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

Field	Value	IRS element (for citing)
Person	JEFF RABANUS	PersonNm
Title	CEO	TitleTxt
Base Compensation Filing Org	$183,530	BaseCompensationFilingOrgAmt
Deferred Compensation Flng Org	$23,621	DeferredCompensationFlngOrgAmt
Nontaxable Benefits Filing Org	$36,654	NontaxableBenefitsFilingOrgAmt
Total Compensation Filing Org	$243,805	TotalCompensationFilingOrgAmt

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	THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP AT THE ANNUAL MEETING. EACH BOARD MEMBER IS ELECTED FOR A THREE YEAR TERM.
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 VP ACCOUNTING PRIOR TO SUBMISSION TO THE IRS. SUBSEQUENT TO FIING, THE BOARD OF DIRECTORS IS PROVIDED WITH A COPY OF THE 990 RETURNS SUBMITTED.
Form 990, Part VI, Section B, Line 12c	THE SUPERVISORY COMMITTEE IS RESPONSIBLE FOR MONITORING AND ENFORCING COMPLIANCE. THE COMMITTEE DOES REGULAR AUDITS OF ACCOUNTS AND RLATIONSHIPS.
Form 990, Part VI, Section B, Line 15a	THE BOARD OF DIRECTORS APPOINTS A PERSONNEL COMMITTEE THAT DISTRIBUTES EVALUATION FORMS TO THE BOARD OF DIRECTORS. THE PERSONNEL COMMITTEE'S SUMMARY OF INFORMATION IS PRESENTED TO THE BOARD OF DIRECTORS AND THE PRESIDENT/CEO. THE MCUL COMPENSATION SURVEY IS REVIEWED ANNUALLY. SALARY INCREASES ARE BASED ON PERFORMANCE BY THE PRESIDENT/CEO OF THE STANDARDS THAT WERE SET. THE PRESIDENT/CEO PERFORMS AN EVALUATION OF THE VP ACCOUNTING. SALARY INCREASES ARE GIVEN BY THE PRESIDENT/CEO. THE BOARD OF DIRECTORS APPROVES A SALARY RANGE FOR ALL EMPLOYEES EACH YEAR.
Form 990, Part VI, Section B, Line 15b	THE PRESIDENT/CEO PERFORMS AN EVALUATION OF THE VP ACCOUNTING. SALARY INCREASES ARE GIVEN BY THE PRESIDENT/CEO. THE BOARD OF DIRECTORS APPROVES A SALARY RANGE FOR ALL EMPLOYEES EACH YEAR.
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.
Part VII, Section A	The previous submission had incorrect titles and included a former employee.