2014-11-17T15:57:22-06:00 2013-12-31 383635706 REHMANN ROBSON LLC 2816 JEFFERSON AVE MIDLAND MI 48640 990 2013-01-01 381681122 CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN EECU A COMMUNITY CREDIT UNION CRED 5177872060 1425 PARNALL ROAD JACKSON MI 49201 JOHN ROOD FINANCE DIRECTOR 5177872060 2014-11-19 1 JEFFREY E HERT CPA P00066715 9896313131 2014-11-13 2013 2015-11-30 17:44:51Z JOHN ROOD 1425 PARNALL ROAD JACKSON MI 49201 6976245 0 X WWW.MICOMMUNITYCU.COM X 1936 MI A FULL-SERVICE FINANCIAL SERVICES ORGANIZATION SERVING MEMBERS SINCE 1936. 7 7 56 8 149637 -55990 0 0 6293322 6059243 253981 305627 359614 431466 6906917 6796336 0 0 0 0 2390332 2421187 0 0 0 3458167 3696578 5848499 6117765 1058418 678571 117118869 121527630 105550960 109552094 11567909 11975536 A FULL SERVICE FINANCIAL SERVICES ORGANIZATION SERVING MEMBERS SINCE 1936, PROVIDING MORE OPPORTUNITIES AND FINANCIAL SOLUTIONS BECAUSE WE ARE OWNED AND GOVERNED BY THE PEOPLE WHO UTILIZE OUR PRODUCTS AND SERVICES. 0 0 LOANS TO MEMBERS SAVINGS ACCOUNTS CHECKING ACCOUNTS 0 0 0 1 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 2917 0 1 56 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X JOHN ROOD 5179903723 1425 PARNALL RD JACKSON MI 49201 VICTOR MARSHALL BOARD CHAIRMAN 10.00 X 0 0 0 HOWARD ADAMS VICE CHAIRMAN 5.00 X 0 0 0 KATHY EGAN SECRETARY/TREASURER 8.00 X 0 0 0 JESSICA BOTKE BOARD MEMBER 2.00 X 0 0 0 BOB STOWE BOARD MEMBER 2.00 X 0 0 0 TOM RUNKEL BOARD MEMBER-EMERITUS 0.00 X 0 0 0 BOB ARTHUR BOARD MEMBER 2.00 X 0 0 0 TOM MAINO BOARD MEMBER 2.00 X 0 0 0 TINA HAMILTON CFO/INTERIM CEO 40.00 X 95801 0 19083 STEVE COBB CEO/FORMER CEO 40.00 X 103377 0 9298 199178 0 28381 1 1 0 0 FISERV 405 SCIENCE DR MOORPARK CA 93021 DATA PROCESSING VENDOR 326001 DIGITAL INSIGHT PO BOX 515306 LOS ANGELES CA 90051 ONLINE BANKING VENDOR 153104 DATA MAIL 747 E WHITCOMB AVE MADISON HEIGHTS MI 48071 STATEMENT PROCESSOR 122663 3 LOAN INCOME 522100 4926038 4926038 FEES AND CHARGES 522100 1133205 1133205 6059243 339677 339677 145859 179909 -34050 -34050 -34050 MISCELLANEOUS INCOME 525990 213457 114901 98556 INSURANCE INCOME 524298 93316 42235 51081 INTERCHARGE INCOME 522100 65772 65772 58921 58921 431466 6796336 6282151 149637 364548 227561 1596416 89243 351768 156199 128922 61190 290723 419977 224927 232056 111940 392197 221082 88156 CREDIT CARD EXPENSE 415394 PROVISION FOR LOAN LOSS 337000 ORIGINATION FEES 256019 FEES 191132 325863 6117765 1025374 1003389 26186099 23661574 11172 8904 84745011 90742179 89800 236992 4176526 2206495 2052057 1970031 3009356 3904561 117118869 121527630 1360524 3038373 104190436 106513721 105550960 109552094 X 0 0 0 0 11567909 11975536 11567909 11975536 117118869 121527630 678571 -270944 0 X 0 0 0 1 3572 3572 0 217618 217618 2404605 1071493 1333112 57397 47526 9871 592896 358370 234526 904010 729106 174904 1970031 MEMBER SHARES 106447175 PARTICIPATION LOANS 66546 106513721 X X X 0 0 0 STEVE COBB CEO/FORMER CEO 90517 0 0 0 12860 0 0 0 9298 0 112675 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 EVERY CLIENT THAT HAS AN ACCOUNT WITH OUR CREDIT UNION IS ALSO A MEMBER. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS ELECT MEMBERS OF THE GOVERNING BODY EACH YEAR AT THE ANNUAL MEETING. FORM 990, PART VI, SECTION B, LINE 11 THE 990 IS PRESENTED AT THE FIRST BOARD MEETING FILING THE FILING OF THE TAX RETURN. FORM 990, PART VI, SECTION B, LINE 12C EMPLOYEES ARE REQUIRED TO COMPLETE A DISCLOSURE FORM ANNUALLY. ADDITIONALLY, IF ANY CONCERNS ARISE OR ARE BROUGHT TO OUR ATTENTION WE WILL INVESTIGATE AND ENFORCE. FORM 990, PART VI, SECTION B, LINE 15 KEY EMPLOYEES' SALARIES ARE REVIEWED BY THE CEO AND COMPARED TO PUBLISHED INDUSTRY GUIDELINES. THE CEO'S SALARY IS REVIEWED AND DETERMINED BY THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XII, LINE 2B AUDITED FINANCIAL STATEMENTS ARE PREPARED ON A FISCAL YEAR BASIS BUT TAX REPORTING IS REQUIRED ON A CALENDAR YEAR END.