CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: Form 990, tax year 2021
View the entire original 990 at ProPublica ↗
- Organization
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN (EIN 38-1215360)
- Tax period
- 2021-01-01 to 2021-12-31
- Filed
- 2022-05-10
- IRS object ID
- 202221309349301857
- Schema version
- 2021v4.0
- 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 ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2022-05-10T09:30:08-05:00 | ReturnTs |
| Tax Period End | 2021-12-31 | TaxPeriodEndDt |
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2021-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 381215360 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CREDIT UNIONS CHARTERED IN THE | BusinessNameLine1Txt |
| Business Name Line2 | STATE OF MICHIGAN 48 LAKE MICH CU | BusinessNameLine2Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | CRED | BusinessNameControlTxt |
| Phone | 6162429790 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 2848 | AddressLine1Txt |
| City | GRAND RAPIDS | CityNm |
| State Abbreviation | MI | StateAbbreviationCd |
| ZIP | 495012848 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | PETER DANN | PersonNm |
| Person Title | SVP CFO | PersonTitleTxt |
| Phone | 6162346418 | PhoneNum |
| Signature | 2022-05-10 | SignatureDt |
Signing Officer SigningOfficerGrp
Person Full Name PersonFullName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person First | PETER | PersonFirstNm |
| Person Last | DANN | PersonLastNm |
| Field | Value | IRS element (for citing) |
|---|---|---|
| SSN | 999009999 | SSN |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2021 | TaxYr |
| Build TS | 2022-09-23 18:48:47Z | BuildTS |
Form 990 IRS990
Doing Business As Name DoingBusinessAsName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | LAKE MICHIGAN CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | SANDY JELINSKI | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 2848 | AddressLine1Txt |
| City | GRAND RAPIDS | CityNm |
| State Abbreviation | MI | StateAbbreviationCd |
| ZIP | 49501 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $490,221,594 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.LMCU.ORG | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1933 | FormationYr |
| Legal Domicile State | MI | LegalDomicileStateCd |
| Activity Or Mission | PROMOTION OF THRIFT AND PROVIDING LOW COST CREDIT AND OTHER FINANCIAL SERVICES FOR ITS MEMBERS THROUGH MUTUAL AND NONPROFIT ORGANIZATION. | ActivityOrMissionDesc |
| Voting Members Governing Body | 11 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 11 | VotingMembersIndependentCnt |
| Total Employee | 1868 | TotalEmployeeCnt |
| Total Gross UBI | $3,383,518 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $1,189,798 | NetUnrelatedBusTxblIncmAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $377,359,470 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $396,417,075 | CYProgramServiceRevenueAmt |
| PY Investment Income | $10,047,620 | PYInvestmentIncomeAmt |
| CY Investment Income | $10,026,683 | CYInvestmentIncomeAmt |
| PY Other Revenue | $108,441,185 | PYOtherRevenueAmt |
| CY Other Revenue | $83,777,836 | CYOtherRevenueAmt |
| PY Total Revenue | $495,848,275 | PYTotalRevenueAmt |
| CY Total Revenue | $490,221,594 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $28,000 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $40,000 | CYGrantsAndSimilarPaidAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $141,085,486 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $145,451,649 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $190,215,920 | PYOtherExpensesAmt |
| CY Other Expenses | $187,726,091 | CYOtherExpensesAmt |
| PY Total Expenses | $331,329,406 | PYTotalExpensesAmt |
| CY Total Expenses | $333,217,740 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $164,518,869 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $157,003,854 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $9,236,003,182 | TotalAssetsBOYAmt |
| Total Assets EOY | $11,670,748,024 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $8,190,361,653 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $10,480,939,997 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $1,045,641,529 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $1,189,808,027 | NetAssetsOrFundBalancesEOYAmt |
| Info In Schedule O Part III | Yes (X) | InfoInScheduleOPartIIIInd |
| Mission | PROMOTION OF THRIFT AND PROVIDING LOW COST CREDIT AND OTHER FINANCIAL SERVICES FOR ITS MEMBERS THROUGH MUTUAL AND NONPROFIT ORGANIZATION. | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Desc | SEE ADDITONAL DETAILS | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | SEE ADDITIONAL DETAILS | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | SEE ADDITIONAL DETAILS | Desc |
Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | SEE DETAILS | 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 | Yes (true) | 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 | Yes (true) | 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 | Yes (true) | GrantsToIndividualsInd |
| Schedule J Required | Yes (true) | ScheduleJRequiredInd |
| Tax Exempt Bonds | false | TaxExemptBondsInd |
| Loan Outstanding | Yes (true) | 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 | Yes (true) | DisregardedEntityInd |
| Related Entity | false | RelatedEntityInd |
| Related Organization Ctrl Ent | false | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 0 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (true) | BackupWthldComplianceInd |
| Employee | 1868 | 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 |
| Quid Pro Quo Contributions | false | QuidProQuoContributionsInd |
| Form8282 Property Disposed Of | false | Form8282PropertyDisposedOfInd |
| Rcv Fnds To Pay Prsnl Bnft Cntrct | false | RcvFndsToPayPrsnlBnftCntrctInd |
| Pay Premiums Prsnl Bnft Cntrct | false | PayPremiumsPrsnlBnftCntrctInd |
| Form8899 Filedind | false | Form8899Filedind |
| Form1098 C Filed | false | Form1098CFiledInd |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | Yes (true) | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | false | 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 | Yes (true) | 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 | Yes (true) | InvestmentInJointVentureInd |
| Written Policy Or Procedure | Yes (true) | WrittenPolicyOrProcedureInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | LAKE MICHIGAN CREDIT UNION | BusinessNameLine1Txt |
| Business Name Line2 | LAKE MICHIGAN CREDIT UNION | BusinessNameLine2Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 6162346830 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5540 GLENWOOD HILLS PKWY SE | AddressLine1Txt |
| Address Line2 | 5540 GLENWOOD HILLS PKWY SE | AddressLine2Txt |
| City | GRAND RAPIDS | CityNm |
| State Abbreviation | MI | StateAbbreviationCd |
| ZIP | 49512 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (25 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Highest Compensated EmployeeHighestCompensatedEmployeeInd | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd |
|---|---|---|---|---|---|---|---|
| SANDY JELINSKI | |||||||
| CEO | 40.00 | Yes (X) | $2,491,306 | $0 | $65,118 | ||
| MATT ADLER | |||||||
| MORTGAGE LO | 40.00 | $1,427,413 | $0 | $35,091 | Yes (X) | ||
| ZAC ELLERBROEK | |||||||
| MORTGAGE LO | 40.00 | $1,289,448 | $0 | $10,177 | Yes (X) | ||
| BRENT GREEN | |||||||
| MORTGAGE SAL | 40.00 | $1,232,628 | $0 | $39,615 | Yes (X) | ||
| SHARON WLADECKI | |||||||
| MORTGAGE LO | 40.00 | $1,161,963 | $0 | $40,307 | Yes (X) | ||
| RAZI QADRI | |||||||
| SVP CIOO | 40.00 | Yes (X) | $1,037,033 | $0 | $38,377 | ||
| JAMES PAQUETTE | |||||||
| MORTGAGE SAL | 40.00 | $1,023,060 | $0 | $35,976 | Yes (X) | ||
| ERIC BURGOON | |||||||
| SVP MORTGAGE | 40.00 | Yes (X) | $734,517 | $0 | $55,475 | ||
| NORA SWART | |||||||
| SVP CPO | 40.00 | Yes (X) | $459,433 | $0 | $38,094 | ||
| PETER DANN | |||||||
| SVP CFO | 40.00 | Yes (X) | $450,015 | $0 | $38,377 | ||
| DON BRATT | |||||||
| SVP CMO | 40.00 | Yes (X) | $331,331 | $0 | $46,904 | ||
| MARK POWELL | |||||||
| VP CRO | 40.00 | Yes (X) | $335,795 | $0 | $28,182 | ||
| SARA KEMPERMAN | |||||||
| SVP RETAIL O | 40.00 | Yes (X) | $293,890 | $0 | $29,937 | ||
| DAVE BARDOLPH | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| BILL VAN PORT FLEET | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| TIM GORTSEMA | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| BRAD MATHIS | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| TIM MYERS | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| JACK NEWBERRY | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| JUAN OLIVAREZ | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| CHERI PARKER | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| BOB PARTRIDGE | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| MIKE RICE | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| GRETCHEN TELLMAN-PARTRIDGE | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| BOB WHITE | |||||||
| BOARD MEMBER | $0 | $0 | $0 | Yes (X) | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $12,267,832 | TotalReportableCompFromOrgAmt |
| Total Other Compensation | $501,630 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 241 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | false | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (true) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (5 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| NEWCO BUILDING | |||||
| 4131 ROGER B CHAFFE | GRAND RAPIDS | MI | 49548 | CONSTRUCTION | $5,811,390 |
| BLACK KNIGHT TECHNOLOGIES | |||||
| PO BOX 809007 | CHICAGO | IL | 60680 | TECHNOLOGY | $3,155,729 |
| AT&T | |||||
| PO BOX 5014 | CAROL STREAM | IL | 60197 | PHONE | $3,123,597 |
| FACTUAL DATA | |||||
| PO BOX 535595 | PITTSBURGH | PA | 15253 | CREDIT REPORTS | $2,670,281 |
| JACK HENRY | |||||
| PO BOX 609 | MONETT | MO | 65708 | SOFTWARE | $2,425,104 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 136 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (5 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| INTEREST ON MEMBER LOANS | 522291 | $248,653,489 | $248,653,489 | |
| INTERCHANGE AND OTHER | 522100 | $82,607,239 | $82,607,239 | |
| FEES AND CHARGES ON ACCOUNTS | 522291 | $31,637,552 | $31,637,552 | |
| MORTGAGE SERVICING RIGHTS | 525990 | $30,135,277 | $30,135,277 | |
| INSURANCE REVENUE | 525990 | $2,817,857 | $2,817,857 |
Total Oth Program Service Rev TotalOthProgramServiceRevGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $565,661 | TotalRevenueColumnAmt |
| Unrelated Business Revenue | $565,661 | UnrelatedBusinessRevenueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $396,417,075 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $10,026,683 | TotalRevenueColumnAmt |
| Exclusion | $10,026,683 | ExclusionAmt |
Other Revenue Misc OtherRevenueMiscGrp (2 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt |
|---|---|---|---|
| GAIN ON SALE OF LOANS | 522100 | $83,758,966 | $83,758,966 |
| GAIN ON SALE OREO AND OTHER | 522100 | $18,870 | $18,870 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $83,777,836 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $490,221,594 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $476,811,393 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $3,383,518 | UnrelatedBusinessRevenueAmt |
| Exclusion | $10,026,683 | ExclusionAmt |
Grants To Domestic Individuals GrantsToDomesticIndividualsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $40,000 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $6,133,319 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $118,314,456 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,482,372 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $9,757,790 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $7,763,712 | TotalAmt |
Fees For Services Management FeesForServicesManagementGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,247,764 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $732,394 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $235,048 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $7,450,041 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $10,395,336 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $13,388,930 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $8,515,816 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $673,739 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $64,503,227 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $7,402,277 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $836,891 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| LOAN SERVICING | $41,843,220 |
| BANK/ CARD SERVICE CHARGE | $13,463,145 |
| MISC EXPENSE | $11,979,028 |
| PROVISION FOR LOAN LOSS | $5,059,235 |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $333,217,740 | 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 | $22,326,292 | BOYAmt |
| EOY | $25,013,904 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,848,089,620 | BOYAmt |
| EOY | $2,556,937,017 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $8,775,060 | BOYAmt |
| EOY | $9,262,226 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $55,281,147 | BOYAmt |
| EOY | $70,659,792 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $6,374,492,025 | BOYAmt |
| EOY | $7,575,088,107 | EOYAmt |
Inventories For Sale Or Use InventoriesForSaleOrUseGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $140,196,027 | BOYAmt |
| EOY | $179,154,004 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,776,804 | BOYAmt |
| EOY | $5,735,164 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $164,074,732 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $52,291,138 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $97,144,719 | BOYAmt |
| EOY | $111,783,594 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $447,565,021 | BOYAmt |
| EOY | $806,288,553 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $27,122,400 | BOYAmt |
| EOY | $29,207,913 | EOYAmt |
Intangible Assets IntangibleAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $49,275,409 | BOYAmt |
| EOY | $103,963,382 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $159,958,658 | BOYAmt |
| EOY | $197,654,368 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $9,236,003,182 | BOYAmt |
| EOY | $11,670,748,024 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $75,832,077 | BOYAmt |
| EOY | $77,947,451 | EOYAmt |
Escrow Account Liability EscrowAccountLiabilityGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $34,432,235 | BOYAmt |
| EOY | $56,930,927 | EOYAmt |
Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $270,000,000 | BOYAmt |
| EOY | $210,000,000 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $7,810,097,341 | BOYAmt |
| EOY | $10,136,061,619 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $8,190,361,653 | BOYAmt |
| EOY | $10,480,939,997 | 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 | $1,045,641,529 | BOYAmt |
| EOY | $1,189,808,027 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,045,641,529 | BOYAmt |
| EOY | $1,189,808,027 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $9,236,003,182 | BOYAmt |
| EOY | $11,670,748,024 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $157,003,854 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | -$14,723,500 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $1,886,144 | OtherChangesInNetAssetsAmt |
| 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) |
|---|---|---|
| Consolidated Basis Fincl Stmt | Yes (X) | ConsolidatedBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (true) | AuditCommitteeInd |
| Federal Grant Audit Required | false | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Agent Trustee Etc | false | AgentTrusteeEtcInd |
| Incl Escrow Custodial Acct Liab | Yes (true) | InclEscrowCustodialAcctLiabInd |
| Explanation Provided | Yes (X) | ExplanationProvidedInd |
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $41,688,577 | OtherCostOrOtherBasisAmt |
| Book Value | $41,688,577 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $86,042,062 | OtherCostOrOtherBasisAmt |
| Depreciation | $25,997,909 | DepreciationAmt |
| Book Value | $60,044,153 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $2,095,289 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,391,831 | DepreciationAmt |
| Book Value | $703,458 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $30,185,357 | OtherCostOrOtherBasisAmt |
| Depreciation | $22,523,970 | DepreciationAmt |
| Book Value | $7,661,387 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $4,063,447 | OtherCostOrOtherBasisAmt |
| Depreciation | $2,377,428 | DepreciationAmt |
| Book Value | $1,686,019 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $111,783,594 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | TOTAL DEPOSITS | Desc |
| Amt | $10,136,061,619 | Amt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $10,136,061,619 | TotalLiabilityAmt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | SCHEDULE D, PAGE 2, PART IV, LINE 2B | FormAndLineReferenceDesc |
| Explanation | THE CREDIT UNION ACTS AS CUSTODIAN FOR RETAIL MORTGAGES | ExplanationTxt |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Grant Records Maintained | false | GrantRecordsMaintainedInd |
Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Grant Type | HUTT COLLEGE SCHOLARSHIPS | GrantTypeTxt |
| Recipient | 20 | RecipientCnt |
| Cash Grant | $40,000 | CashGrantAmt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | SCHEDULE I, PAGE 4, PART IV | FormAndLineReferenceDesc |
| Explanation | HUTT SCHOLARSHIPS ARE AWARDED TO HIGH SCHOOL SENIORS WHO WRITE AN ESSAY AND ARE CHOSEN AS FINALISTS. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| First Class Or Charter Travel | Yes (X) | FirstClassOrCharterTravelInd |
| Travel For Companions | Yes (X) | TravelForCompanionsInd |
| Club Dues Or Fees | Yes (X) | ClubDuesOrFeesInd |
| Written Policy Ref T And E Expnss | Yes (true) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | Yes (true) | SubstantiationRequiredInd |
| Compensation Committee | Yes (X) | CompensationCommitteeInd |
| Independent Consultant | Yes (X) | IndependentConsultantInd |
| Written Employment Contract | Yes (X) | WrittenEmploymentContractInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | false | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | Yes (true) | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | false | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (13 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt |
|---|---|---|---|---|---|---|
| SANDY JELINSKI | ||||||
| CEO | $1,340,661 | $1,150,561 | $84 | $54,200 | $10,918 | $2,556,424 |
| MATT ADLER | ||||||
| MORTGAGE LO | $1,427,239 | $174 | $26,163 | $8,928 | $1,462,504 | |
| ZAC ELLERBROEK | ||||||
| MORTGAGE LO | $1,289,246 | $202 | $10,177 | $1,299,625 | ||
| BRENT GREEN | ||||||
| MORTGAGE SALES MANAG | $1,232,272 | $356 | $31,687 | $7,928 | $1,272,243 | |
| SHARON WLADECKI | ||||||
| MORTGAGE LO | $1,161,764 | $199 | $31,986 | $8,321 | $1,202,270 | |
| RAZI QADRI | ||||||
| SVP CIOO | $758,635 | $278,348 | $50 | $28,200 | $10,177 | $1,075,410 |
| JAMES PAQUETTE | ||||||
| MORTGAGE SALES MANAG | $1,022,732 | $328 | $28,048 | $7,928 | $1,059,036 | |
| ERIC BURGOON | ||||||
| SVP MORTGAGE | $531,167 | $203,300 | $50 | $46,547 | $8,928 | $789,992 |
| NORA SWART | ||||||
| SVP CPO | $373,622 | $85,761 | $50 | $31,117 | $6,977 | $497,527 |
| PETER DANN | ||||||
| SVP CFO | $358,765 | $91,200 | $50 | $28,200 | $10,177 | $488,392 |
| DON BRATT | ||||||
| SVP CMO | $279,919 | $51,362 | $50 | $38,085 | $8,819 | $378,235 |
| MARK POWELL | ||||||
| VP CRO | $273,108 | $62,637 | $50 | $23,655 | $4,527 | $363,977 |
| SARA KEMPERMAN | ||||||
| SVP RETAIL OPERATION | $248,281 | $45,559 | $50 | $26,330 | $3,607 | $323,827 |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | SCHEDULE J, PART III | FormAndLineReferenceDesc |
| Explanation | THE EXECUTIVES LISTED IN SCHEDULE L PART II PARTICIPATE IN A COLLATERAL ASSIGNMENT SPLIT DOLLAR PLAN. LIFE INSURANCE PREMIUMS ARE PAID ON BEHALF OF THE EXECUTIVES AND TREATED AS LOANS. THE TOTAL LOAN AMOUNT AS OF 12/31/21 WAS 70,659,792. THE INSURANCE POLICY VALUE PROVIDES SUPPLEMENTAL RETIREMENT INCOME TO THE PLAN PARTICIPANTS. LIFE INSURANCE PREMIUM LOANS ARE ULTIMATELY REPAID FROM THE DEATH BENEFIT OF THE LIFE INSURANCE POLICY. | ExplanationTxt |
Schedule L IRS990ScheduleL
Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (10 entries)
| Relationship With OrgRelationshipWithOrgTxt | Loan PurposeLoanPurposeTxt | Loan From OrganizationLoanFromOrganizationInd | Original PrincipalOriginalPrincipalAmt | Balance DueBalanceDueAmt | DefaultDefaultInd | Board Or Committee ApprovalBoardOrCommitteeApprovalInd | Written AgreementWrittenAgreementInd |
|---|---|---|---|---|---|---|---|
| SANDY JELINSKI | |||||||
| OFFICER | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $27,488,120 | $28,075,021 | false | Yes (true) | Yes (true) |
| NORA SWART | |||||||
| OFFICER | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $9,100,000 | $9,327,720 | false | Yes (true) | Yes (true) |
| RAZI QADRI | |||||||
| OFFICER | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $7,188,000 | $7,342,115 | false | Yes (true) | Yes (true) |
| PETER DANN | |||||||
| OFFICER | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $5,425,000 | $5,522,416 | false | Yes (true) | Yes (true) |
| ERIC BURGOON | |||||||
| OFFICER | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $5,180,000 | $5,359,210 | false | Yes (true) | Yes (true) |
| SARA KEMPERMAN | |||||||
| OFFICER | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $4,291,000 | $4,378,162 | false | Yes (true) | Yes (true) |
| JIM MASKELL | |||||||
| SVP COMMERCIAL | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $3,850,000 | $3,902,768 | false | Yes (true) | Yes (true) |
| DON BRATT | |||||||
| OFFICER | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $3,200,000 | $3,300,289 | false | Yes (true) | Yes (true) |
| ALICIA FORCE | |||||||
| VP CONSUMER | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $1,890,000 | $1,916,132 | false | Yes (true) | Yes (true) |
| MARK POWELL | |||||||
| OFFICER | SPLIT DOLLAR PREMIUM LOAN | Yes (X) | $1,512,000 | $1,535,959 | false | Yes (true) | Yes (true) |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | $70,659,792 | TotalBalanceDueAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (12 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PART III | LINE 4A-INTEREST INCOME LINE 4B-DEBIT / CREDIT INTERCHANGE LINE 4C-OVERDRAFT / NSF |
| FORM 990, PAGE 2, PART III, LINE 4D | SEE DETAILS |
| FORM 990, PAGE 6, PART VI, LINE 2 | GRETCHEN TELLMAN ROBERT PARTRIDGE BOARD CHAIR BOARD MEMBER SPOUSE |
| FORM 990, PAGE 6, PART VI, LINE 6 | YES, THE CREDIT UNION HAS MEMBERS |
| FORM 990, PAGE 6, PART VI, LINE 7A | MEMBER SHAREHOLDERS ELECT BOARD MEMBERS |
| FORM 990, PAGE 6, PART VI, LINE 7B | MEMBERS APPROVE BOARD MEMBERS WHEN TERMS EXPIRE. |
| FORM 990, PAGE 6, PART VI, LINE 11B | THE 990 IS PREPARED BY THE DIRECTOR OF FINANCE AND REVIEWED BY OUR CFO AND CONTROLLER |
| FORM 990, PAGE 6, PART VI, LINE 12C | OFFICERS AND DIRECTORS DISCLOSE INTEREST THAT COULD LEAD TO CONFLICT OF INTEREST ANNUALLY. THESE DOCUMENTS ARE REVIEWED BY INTERNAL AUDIT AND REPORTED TO THE AUDIT COMMITTEE |
| FORM 990, PAGE 6, PART VI, LINE 15A | COMPENSATION REVIEWS OF ALL OFFICER AND KEY EXECUTIVES ARE PERFORMED AT LEAST ANNUALLY BY HUMAN RESOURCES AND REVIEWED BY THE EXECUTIVE COMMITTE MADE UP OF BOARD MEMBERS |
| FORM 990, PAGE 6, PART VI, LINE 15B | THE BOARD OF DIRECTORS APPROVES OTHER OFFICERS AND KEY EMPLOYEES, AND COMPENSATION IS SET BY CEO |
| FORM 990, PAGE 6, PART VI, LINE 19 | THE ORGANIZATIONS DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. |
| FORM 990, PART XI, LINE 9 | ADJUSTMENT TO OTHER COMPREHENSIVE INCOME 0 LIFE SAVINGS RESERVE 0 OCI 1,886,144 TOTAL 1,886,144 |
Schedule R IRS990ScheduleR
Id Disregarded Entities IdDisregardedEntitiesGrp
Disregarded Entity Name DisregardedEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | LAKE MICHIGAN FINANCIAL GROUP | BusinessNameLine1Txt |
| Business Name Line2 | LAKE MICHIGAN FINANCIAL GROUP | BusinessNameLine2Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 2088 | AddressLine1Txt |
| Address Line2 | PO BOX 2088 | AddressLine2Txt |
| City | GRAND RAPIDS | CityNm |
| State Abbreviation | MI | StateAbbreviationCd |
| ZIP | 49501 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 454172202 | EIN |
| Primary Activities | FINANCIAL | PrimaryActivitiesTxt |
| Legal Domicile State | MI | LegalDomicileStateCd |
| Total Income | $3,890,472 | TotalIncomeAmt |
| End Of Year Assets | $17,687,067 | EndOfYearAssetsAmt |
Direct Controlling Entity Name DirectControllingEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | LMCU | BusinessNameLine1Txt |
| Business Name Line2 | LAKE MICHIGAN CREDIT UNION | BusinessNameLine2Txt |