2026-05-11T21:18:22-07:00 2025-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2025-01-01 381624824 MICHIGAN ONE CREDIT UNION MICH 6165273900 510 S DEXTER ST Ionia MI 48846 HAILIE PATTERSON CEO 2026-05-11 true Thomas Cvinar P00743293 8005225820 2025 2025-03-06 01:10:19Z HAILIE PATTERSON 510 S DEXTER ST Ionia MI 48846 14644554 false X WWW.M1CCU.ORG X 1954 MI PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS. 7 7 77 10 112163 0 12402673 13146520 1496310 1562469 -64435 13898983 14644554 0 0 4159485 4444917 0 0 7698827 8174522 11858312 12619439 2040671 2025115 223956482 232171556 202500442 208448905 21456040 23722651 PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS. false false THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATE AND OTHER. THE TOTAL NUMBER OF CURRENT MEMBERS AT 12/31/2025 WAS 18,606. THE CREDIT UNION PROVIDES A VARIETY OF LOAN TYPES TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 9,729. false false false false false false false false false true false false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true 4776 0 true 77 true true true false false false false false false false X 7 7 false false false false true true true true true false true true false true true true false true true true false X ALISHA VANHORN 6165273900 510 S Dexter St IONIA MI 48846 HAILIE PATTERSON CEO 40.00 0.00 X 297557 0 69309 ALISHA VANHORN CFO 40.00 0.00 X 152817 0 36555 JACKIE THEBO Vice President 40.00 0.00 X 134562 0 47564 DAWN KETCHUM COO 40.00 0.00 X 151106 0 24018 LON MACLACHLAN Director 1.00 0.00 X 0 0 0 ABBY STALKER Director 1.00 0.00 X 0 0 0 ROGER VANDERMOLEN Treasurer 1.00 0.00 X 0 0 0 MICHAEL WALCZAK Director 1.00 0.00 X 0 0 0 MALLORY BOWERMAN Chairman 1.00 0.00 X 0 0 0 ROSEMARY REAMS Director 1.00 0.00 X 0 0 0 MITCHELL MERCER Secretary 1.00 0.00 X 0 0 0 736042 177446 4 false true false FISERV 255 FISERV DRIVE BROOKFIELD WI 53045 DATA PROCESSING THE SBIS PLAN PO Box 19166 KALAMAZOO MI 49019 EMPLOYEE HEALTH INSURANCE CMS Internet LLC 131 S Main Street MT PLEASANT MI 48858 INTERNET SERVICES CENTRAL MICHIGAN BUILDERS 985 MAIN ST IONIA MI 48846 CONSTRUCTION 0 0 FEES AND OTHER INCOME 522100 3825973 3791821 34152 INSURANCE SALES 524298 24911 24911 INTEREST ON LOANS 522100 9242536 9242536 WARRANTY SALES 524298 53100 53100 13146520 1549475 1549475 0 0 0 12994 12994 12994 12994 0 0 0 SALE OF REPO ITEMS 522100 -64435 -64435 -64435 14644554 14532391 112163 0 0 0 0 913488 0 2698009 162332 399490 271598 0 0 0 0 0 0 0 344995 371397 675849 0 298748 228954 0 0 3672248 0 347132 67687 PRO SERVICES 1088515 LOAN SERVICING EXPENSE 551742 PROVISION FOR CREDIT LOSSES 413892 MISC 74563 38800 12619439 0 0 0 3569009 3573401 38303481 32873759 0 976687 2034994 0 0 169036720 171809593 0 90553 121056 8054882 3290718 4714940 4764164 2646942 11774752 1616169 1636004 0 0 3001981 3583833 223956482 232171556 526763 1454804 201973679 206994101 202500442 208448905 X 21456040 23722651 21456040 23722651 223956482 232171556 2025115 241496 X false true X true false 1552727 1552727 4314103 2117645 2196458 949107 452733 496374 1238945 720340 518605 4764164 OTHER LIABILITIES 2201401 SHARES 204792700 206994101 X X false false false ALISHA VANHORN CFO 146645 6064 108 10785 25770 189372 DAWN KETCHUM COO 144250 6064 792 11420 12598 175124 HAILIE PATTERSON CEO 248073 49064 420 20290 49019 366866 JACKIE THEBO Vice President 127982 6064 516 11420 36144 182126 Form 990, Part VI, Section A, Line 6 SECTION 501C14 CREDIT UNION IS COMPOSED OF MEMBERS. Form 990, Part VI, Section A, Line 7a MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD AT ANNUAL MEETING. Form 990, Part VI, Section A, Line 7b MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP. Form 990, Part VI, Section B, Line 11b MANAGEMENT REVIEWS TAX RETURN AND FORWARDS FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING. Form 990, Part VI, Section B, Line 12c EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE. Form 990, Part VI, Section B, Line 15a EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED. Form 990, Part VI, Section B, Line 15b EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED. Form 990, Part VI, Section C, Line 19 CREDIT UNION BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESSIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE CALL REPORTS ARE ALSO AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.