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 38-1599932)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-11-17
IRS object ID: 202513219349305821
Schema version: 2024v5.0
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
Form 990
Schedule D
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2025-11-17T11:31:08-05:00	ReturnTs
Tax Period End	2024-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	383133790	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	ANDREWS HOOPER PAVLIK PLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	2311 EAST BELTLINE AVE SE STE 200	AddressLine1Txt
City	GRAND RAPIDS	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49546	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	381599932	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	SOO CO-OP CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	SOOC	BusinessNameControlTxt
Phone	9066325300	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4489 I-75 BUSINESS SPUR	AddressLine1Txt
City	SAULT STE MARIE	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49783	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	LYNDA ELLIS	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	9066325332	PhoneNum
Signature	2025-11-13	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	ERIC A RYAN	PreparerPersonNm
PTIN	P01388772	PTIN
Phone	6169426440	PhoneNum
Preparation	2025-11-13	PreparationDt

Field	Value	IRS element (for citing)
Tax	2024	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	LYNDA ELLIS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4489 I-75 BUSINESS SPUR	AddressLine1Txt
City	SAULT STE MARIE	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49783	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$16,668,733	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.SOOCOOP.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1958	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	TO BECOME THE MEMBERS' PRIMARY FINANCIAL INSTITUTION BY PROVIDING RELIABLE, COMPREHENSIVE, COURTEOUS, AND PROMPT SERVICES THAT ARE COMPETITIVE WITH THE MARKET AND IN TUNE WITH MEMBERS' NEEDS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	6	VotingMembersIndependentCnt
Total Employee	110	TotalEmployeeCnt
Total Volunteers	7	TotalVolunteersCnt
Total Gross UBI	$381,321	TotalGrossUBIAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$12,294,219	PYProgramServiceRevenueAmt
CY Program Service Revenue	$14,135,100	CYProgramServiceRevenueAmt
PY Investment Income	$1,394,387	PYInvestmentIncomeAmt
CY Investment Income	$2,533,633	CYInvestmentIncomeAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$13,688,606	PYTotalRevenueAmt
CY Total Revenue	$16,668,733	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$4,686,197	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$5,171,876	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$6,358,208	PYOtherExpensesAmt
CY Other Expenses	$8,182,830	CYOtherExpensesAmt
PY Total Expenses	$11,044,405	PYTotalExpensesAmt
CY Total Expenses	$13,354,706	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,644,201	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,314,027	CYRevenuesLessExpensesAmt
Total Assets BOY	$259,141,916	TotalAssetsBOYAmt
Total Assets EOY	$290,614,498	TotalAssetsEOYAmt
Total Liabilities BOY	$231,628,937	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$258,723,919	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$27,512,979	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$31,890,579	NetAssetsOrFundBalancesEOYAmt
Mission	TO BECOME THE MEMBERS' PRIMARY FINANCIAL INSTITUTION BY PROVIDING RELIABLE, COMPREHENSIVE, COURTEOUS, AND PROMPT SERVICES THAT ARE COMPETITIVE WITH THE MARKET AND IN TUNE WITH MEMBERS' NEEDS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	THE ORGANIZATION PROVIDES MANY SERVICES TO ITS MEMBERS INCLUDING SAVINGS PLANS, SHARE DRAFT PRIVILEGES, LOANS FOR REAL ESTATE, CARS, BOATS, VACATIONS, EMERGENCIES, AND BUSINESS. THE ORGANIZATION ALSO PROVIDES INVESTMENT SERVICES THROUGH A FULLY LICENSED BROKER AND INSURANCE PRODUCTS THROUGH THIRD PARTY RELATIONSHIPS.	Desc
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	Yes (true)	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	false	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	5491	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	110	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	6	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	false	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	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	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	JOY HILL	PersonNm
Phone	9066325332	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4489 I-75 BUSINESS SPUR	AddressLine1Txt
City	SAULT STE MARIE	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49783	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (10 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
LYNDA ELLIS
PRESIDENT/CE	40.00	Yes (X)	$124,294	$0	$11,202
MELISSA MCCLENDON
VICE PRESIDE	40.00	Yes (X)	$89,672	$0	$5,608
JOY HILL
CHIEF FINANC	40.00	Yes (X)	$82,187	$0	$8,118
STEVEN ROGERS
DIRECTOR & E	8.00		$17,341	$0	$353	Yes (X)
EDWIN COOK
CHAIRPERSON	1.00	Yes (X)	$0	$0	$0	Yes (X)
MONICA HOOLSEMA
DIRECTOR	1.00		$0	$0	$0	Yes (X)
LORI LANGENDORF
TREASURER	1.00	Yes (X)	$0	$0	$0	Yes (X)
JO ANNE LUSSIER
SECRETARY	1.00	Yes (X)	$0	$0	$0	Yes (X)
TYLER MARTIN
DIRECTOR	1.00		$0	$0	$0	Yes (X)
JIM ROSE
DIRECTOR	1.00		$0	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$313,494	TotalReportableCompFromOrgAmt
Total Other Compensation	$25,281	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	1	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	false	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
VELERA
580 CARILLON PARKWAY	ST PETERSBURG	FL	33716	ATM/DEBIT CARD	$789,882
MEMBER DRIVEN TECHNOLOGIES
30230 ORCHARD LAKE RD	FARMINGTON HILLS	MI	48334	DATA PROCESSING	$681,000
FIS
347 RIVERSIDE AVE	JACKSONVILLE	FL	32202	CREDIT CARD PRO	$322,064
PENINSULA FIBER NETWORK LLC
1901 WEST RIDGE STREET	MARQUETTE	MI	49855	DATA FIBER CONN	$116,596

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST	524298	$9,996,909	$9,996,909
FEES AND CHARGES	523000	$3,852,340	$3,471,019	$381,321
OTHER PROGRAM SERVICES	522100	$285,851	$285,851

Field	Value	IRS element (for citing)
Total Program Service Revenue	$14,135,100	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,532,583	TotalRevenueColumnAmt
Exclusion	$2,532,583	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$1,050	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$1,050	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,050	TotalRevenueColumnAmt
Exclusion	$1,050	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$16,668,733	TotalRevenueColumnAmt
Related Or Exempt Func Income	$13,753,779	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$381,321	UnrelatedBusinessRevenueAmt
Exclusion	$2,533,633	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$338,775	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,663,279	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$393,010	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$475,477	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$301,335	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$18,910	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$42,652	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$110,330	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$290,026	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$865,110	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$671,508	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$356,682	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$20,219	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$108,182	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$2,813,972	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$208,739	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$79,346	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
ATM EXPENSE	$883,868
VISA EXPENSE	$617,977
LOAN SERVICING FEES	$561,911
PROVISION FOR LOAN LOSSES	$290,927

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$242,471	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$13,354,706	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$14,522,522	BOYAmt
EOY	$47,632,160	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$2,185,738	BOYAmt
EOY	$2,185,738	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$165,850,240	BOYAmt
EOY	$169,117,723	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$422,229	BOYAmt
EOY	$529,757	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$9,254,639	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$4,694,840	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$4,711,128	BOYAmt
EOY	$4,559,799	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$64,561,546	BOYAmt
EOY	$59,197,754	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$566,250	BOYAmt
EOY	$566,250	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$6,322,263	BOYAmt
EOY	$6,825,317	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$259,141,916	BOYAmt
EOY	$290,614,498	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,639,154	BOYAmt
EOY	$1,610,990	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$56,561	BOYAmt
EOY	$58,864	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$229,933,222	BOYAmt
EOY	$257,054,065	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$231,628,937	BOYAmt
EOY	$258,723,919	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	$27,512,979	BOYAmt
EOY	$31,890,579	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$27,512,979	BOYAmt
EOY	$31,890,579	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$259,141,916	BOYAmt
EOY	$290,614,498	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$3,314,027	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$1,063,573	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)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

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	$836,617	OtherCostOrOtherBasisAmt
Book Value	$836,617	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,088,683	OtherCostOrOtherBasisAmt
Depreciation	$2,654,657	DepreciationAmt
Book Value	$3,434,026	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$22,335	OtherCostOrOtherBasisAmt
Depreciation	$22,335	DepreciationAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,216,790	OtherCostOrOtherBasisAmt
Depreciation	$1,931,045	DepreciationAmt
Book Value	$285,745	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$90,214	OtherCostOrOtherBasisAmt
Depreciation	$86,803	DepreciationAmt
Book Value	$3,411	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$4,559,799	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBERS' SHARES, SAVINGS AND CERT.	Desc
Amt	$257,054,065	Amt

Field	Value	IRS element (for citing)
Total Liability	$257,054,065	TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt	$17,732,306	TotalRevEtcAuditedFinclStmtAmt
Other Revenue	$1,063,573	OtherRevenueAmt
Revenue Not Reported	$1,063,573	RevenueNotReportedAmt
Revenue Subtotal	$16,668,733	RevenueSubtotalAmt
Total Revenue Per Form990	$16,668,733	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$13,354,706	TotExpnsEtcAuditedFinclStmtAmt
Expenses Subtotal	$13,354,706	ExpensesSubtotalAmt
Total Expenses Per Form990	$13,354,706	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
SCHEDULE D, PAGE 2, PART IV, LINE 2B	THE ORGANIZATION COLLECTS REAL ESTATE TAXES AND INSURANCE PREMIUMS ON CERTAIN MORTGAGE LOANS AND HOLDS THEM IN ESCROW ACCOUNTS. THE ESCROW ACCOUNTS WILL BE PROPERLY DISTRIBUTED TO TAXING AGENCIES, INSURANCE COMPANIES, OR RETURNED TO MEMBERS.
SCHEDULE D, PAGE 4, PART XI, LINE 2D	CHANGE IN COLI CASH SURRENDER VALUE 86,200 UNREALIZED HOLDING GAIN ON OTHER INVESTMENTS 1,167,059 ACTUARIAL LOSS ON OTHER POST-EMPLOYMENT BENEFITS 47,035 NET GAIN ON OTHER POST-EMPLOYMENT BENEFITS REALIZED -236,721

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Field	Value	IRS element (for citing)
Person	LYNDA ELLIS	PersonNm
Relationship With Org	PRESIDENT	RelationshipWithOrgTxt
Loan Purpose	DEFERRED COMPENSATION FUNDING	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$1,417,488	OriginalPrincipalAmt
Balance Due	$2,185,738	BalanceDueAmt
Default	false	DefaultInd
Board Or Committee Approval	Yes (true)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (true)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$2,185,738	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE L, PART V	FormAndLineReferenceDesc
Explanation	ADDITIONAL INFORMATION FROM PART II: (A) NAME OF PERSON: LYNDA ELLIS (B) RELATIONSHIP WITH ORGANIZATION: PRESIDENT & CEO OF ORGANIZATION (C) PURPOSE OF LOAN: DEFERRED COMPENSATION FUNDING SECURED BY SPLIT DOLLAR LIFE INSURANCE	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PAGE 6, PART VI, LINE 6	THE ORGANIZATION'S CAPITAL CONSISTS OF PAYMENTS ON SHARES THAT HAVE BEEN MADE BY ITS MEMBERS. THE ORGANIZATION HAS ONE CLASS OF MEMBERS.
FORM 990, PAGE 6, PART VI, LINE 7A	THE NOMINATING COMMITTEE ACCEPTS APPLICATION FROM INTERESTED PARTIES AND NOMINATES AT LEAST ONE MEMBER FOR EACH BOARD OF DIRECTOR VACANCY, TO BE ELECTED AT THE ANNUAL MEMBERSHIP MEETING. EACH MEMBER THAT HOLDS AT LEAST ONE FULLY PAID SHARE AND WHO HAS ATTAINED THE AGE OF EIGHTEEN, IS ENTITLED TO ONLY ONE VOTE, REGARDLESS OF THE NUMBER OF SHARES OWNED.
FORM 990, PAGE 6, PART VI, LINE 8B	NO COMMITTEE HAS AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
FORM 990, PAGE 6, PART VI, LINE 11B	THE FORM 990 IS REVIEWED BY THE CHIEF FINANCIAL OFFICER AND BY THE PRESIDENT/CHIEF EXECUTIVE OFFICER BEFORE FILING.
FORM 990, PAGE 6, PART VI, LINE 12C	THE CONFLICT OF INTEREST POLICY IS RE-SIGNED ANNUALLY.
FORM 990, PAGE 6, PART VI, LINE 15A	SALARIES FOR OFFICERS ARE BASED ON A WAGE SCALE SET BY THE WAGE COMMITTEE, WHICH IS APPROVED BY THE BOARD OF DIRECTORS AND RECORDED IN THE MEETING MINUTES. A COMPENSATION SURVEY IS REVIEWED AND COMPARED BY THE WAGE COMMITTEE.
FORM 990, PAGE 6, PART VI, LINE 15B	SALARIES FOR OFFICERS ARE BASED ON A WAGE SCALE SET BY THE WAGE COMMITTEE, WHICH IS APPROVED BY THE BOARD OF DIRECTORS AND RECORDED IN THE MEETING MINUTES. A COMPENSATION SURVEY IS REVIEWED AND COMPARED BY THE WAGE COMMITTEE.
FORM 990, PAGE 6, PART VI, LINE 19	THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND THE OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST.
FORM 990, PART XI, LINE 9	CHANGE IN COLI CASH SURRENDER VALUE 86,200 UNREALIZED HOLDING GAIN ON OTHER INVESTMENTS 1,167,059 ACTUARIAL LOSS ON OTHER POST-EMPLOYMENT BENEFITS 47,035 NET GAIN ON OTHER POST-EMPLOYMENT BENEFITS REALIZED -236,721 TOTAL 1,063,573

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	SCCU SERVICES LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	536 BINGHAM AVE	AddressLine1Txt
City	SAULT ST MARIE	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49783	ZIPCd

Field	Value	IRS element (for citing)
EIN	611523169	EIN
Primary Activities	INSURANCE	PrimaryActivitiesTxt
Legal Domicile State	MI	LegalDomicileStateCd
Total Income	$240,292	TotalIncomeAmt
End Of Year Assets	$11,672	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	SOO CO-OP	BusinessNameLine1Txt