{"success":true,"data":{"_id":381464920,"filings":[{"Organization":{"value":null,"Person":["EARL BELL","LUKELAND GENTLES","KAREN PARKER","VICTORIA BENNETT","FRANK CIANCIOLA","BENJIE JOHNSON","MARY KRASNY","JAMES MIDDLEMAS","QUINTA VREEDE","TIFFANY FORD","DEANNE RAMOS","DONNA DOLEMAN","PATRICIA KEENE","XIANG WU","TINA HAMILTON","MARCUS ENGLISH","JOSEPH LOUIS-FERDINAND","MINAL KAMAT","ROBIN CAMPBELL","ERICA BOTKA","MIKE WORK"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","CHIEF FINANCIAL OFFICER","CHIEF MARKETING OFFICER","CHIEF HUMAN RESOURCES OFFICER","CHIEF TECHNOLOGY OFFICER","CHIEF LENDING OFFICER","CHIEF OPERATIONS OFFICER","NETWORK ADMIN MANAGER","VP OF BRANCH OPERATIONS","ADMIN ASSISTANT","AVP OF HUMAN RESOURCES","PROGRAMMING MANAGER"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,53.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,1424835,355780,377819,276189,253853,285597,305136,182714,166540,177639,177134,155077],"Direct compensation":[0,0,0,0,0,0,0,0,0,1404508,320748,329931,254231,225739,261227,274285,154902,137039,159837,160390,142419],"Other compensation":[0,0,0,0,0,0,0,0,0,20327,35032,47888,21958,28114,24370,30851,27812,29501,17802,16744,12658]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2024,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN","phone":7346628200,"website":"WWW.UMCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIFFANY FORD","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"340 E HURON, ANN ARBOR, MI, 48104, USA","city":"ANN ARBOR","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":265,"Total Gross UBI":65655,"Net unrelated business taxable income":0,"Number of employees":265,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":89479393,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":72100070,"Total revenue":{"value":72100070,"LOAN INTEREST":57751948,"FEE AND OTHER INCOME":14348122},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":16583882,"Investment income total":4377438,"Net investment gain":12206444,"Income from invest bond proceeds":0},"Other revenues":{"value":795441,"Other total":725652,"Royalties revenue":0,"Net rental income":69789,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":68108376,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":23763875,"Current officers":3279209,"Disqualified persons":0,"Other salaries and wages":14889876,"Pension plan contributions":0,"Other employee benefits":4352577,"Payroll taxes":1242213},"Other expenses":{"value":44344501,"Management services":0,"Legal":0,"Accounting":215816,"Lobbying services":0,"Investment management fees":0,"Other services":908408,"Advertising":4731994,"Office expenses":1198511,"Information technology":1881506,"Royalties":0,"Occupancy":1964969,"Travel":71221,"Conferences and meetings":670178,"Interest":11931143,"Payments to affiliates":0,"Depreciation and depletion":3103677,"Insurance":208905,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":14156649,"PROVISION FOR LOAN LOSS":5673362,"VISA EXPENSE":4033260,"LOAN SERVICING":2384990,"MAINTENANCE":2065037},"All other expenses":3301524},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1353392856,"Non-interest bearing cash":9538682,"Savings and temp cash investments":118989456,"Pledges and grants receivable":0,"Accounts receivable":5479258,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1030269822,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2530927,"Land, building, equipment":64934210,"Investments publicly traded":86915432,"Investments other":7869247,"Investments program related":0,"Intangible assets":0,"Other assets":26865822},"Liabilities":{"value":1213065076,"Sum of Total Liabilities":0,"Accounts payable, accrued":18955702,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":152806824,"Unsecured notes loans payable":0,"Other liabilities":1041302550},"Fund balance":{"value":140327780,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.23883730413772475,"percentile":0.7918547351477445},"Liabilities to Assets Ratio":{"score":0.8963140825090923,"percentile":0.06527772998182661},"Operating Reserve Ratio":{"score":19.871166154365508,"percentile":0.9455487273402625},"Officer Compensation Ratio":{"score":0.06076070584916017,"percentile":0.7058109044627547},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10814544926921552,"percentile":0.7815337201915757},"Asset Growth":{"score":0.09109353092086259,"percentile":0.6600659353537471},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6627514564001649,"percentile":0.7722556452175763}},"source_xml":"202511339349305711_public.xml"},{"Organization":{"value":null,"Person":["PAUL KIRSCH","LUKELAND GENTLES","FRANK CIANCIOLA","JAMES MIDDLEMAS","MARY KRASNY","VICTORIA BENNETT","KAREN PARKER","SHAWN POLLACK","EARL BELL","SUSAN MCCLANAHAN","TIFFANY FORD","TOMAS KUSLIKIS SR","PATRICIA KEENE","DEANNE RAMOS","JULIE WIGLEY","TINA HAMILTON","XIANG WU"],"Title":["CHAIRPERSON","DIRECTOR","DIRECTOR","DIRECTOR","ASSOCIATE DIRECTOR","SECRETARY","CHAIRPERSON","DIRECTOR","TREASURER","DIRECTOR","PRESIDENT/CEO","VP OF ACCOUNTING AND FINAN","VP OF TALENT DEVELOPMENT","VP OF BRANCH OPERATIONS","VP OF BRAND & TALENT DEVEL","VP OF LENDING","VP OF INFORMATION TECHNOLO"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,1046179,226424,229558,207906,230115,205976,181972],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,992799,193907,200887,176773,209281,174913,153212],"Other compensation":[0,0,0,0,0,0,0,0,0,0,53380,32517,28671,31133,20834,31063,28760]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2019,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN-UNIVERSITY OF MICHIGAN CU","phone":7346628200,"website":"WWW.UMCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIFFANY FORD","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"340 E HURON, ANN ARBOR, MI, 48104, USA","city":"ANN ARBOR","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":235,"Total Gross UBI":86859,"Net unrelated business taxable income":-32698,"Number of employees":235,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":50417594,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":47004511,"Total revenue":{"value":47004511,"LOAN INTEREST":35439232,"FEE AND OTHER INCOME":11565279},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2186788,"Investment income total":2186788,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1226295,"Other total":676039,"Royalties revenue":0,"Net rental income":550256,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":41139734,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":14496554,"Current officers":1502161,"Disqualified persons":0,"Other salaries and wages":9853766,"Pension plan contributions":0,"Other employee benefits":2291591,"Payroll taxes":849036},"Other expenses":{"value":26643180,"Management services":0,"Legal":47426,"Accounting":112824,"Lobbying services":0,"Investment management fees":0,"Other services":537449,"Advertising":2075326,"Office expenses":899279,"Information technology":654092,"Royalties":0,"Occupancy":1281331,"Travel":64812,"Conferences and meetings":81016,"Interest":3168803,"Payments to affiliates":0,"Depreciation and depletion":2300366,"Insurance":180532,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":12920962,"PROVISION FOR LOAN LOSS":5844483,"VISA EXPENSE":3725765,"LOAN SERVICING":1758588,"MAINTENANCE":1592126},"All other expenses":2318962},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":953301122,"Non-interest bearing cash":6408266,"Savings and temp cash investments":91923138,"Pledges and grants receivable":0,"Accounts receivable":4580591,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":747806516,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1297814,"Land, building, equipment":38587442,"Investments publicly traded":43486865,"Investments other":3284594,"Investments program related":0,"Intangible assets":88052,"Other assets":15837844},"Liabilities":{"value":860505909,"Sum of Total Liabilities":0,"Accounts payable, accrued":9735149,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":52806824,"Unsecured notes loans payable":0,"Other liabilities":797963936},"Fund balance":{"value":92795213,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1840202846649128,"percentile":0.7396108447281756},"Liabilities to Assets Ratio":{"score":0.9026590750199495,"percentile":0.06423161317070693},"Operating Reserve Ratio":{"score":23.172272382704275,"percentile":0.9547539851895384},"Officer Compensation Ratio":{"score":0.05659078884661724,"percentile":0.7251008157566102},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.132192318191452,"percentile":0.8237849227193408},"Asset Growth":{"score":0.1024812093641264,"percentile":0.6891197694757834},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6607122776026502,"percentile":0.767430414830224}},"source_xml":"202023159349305642_public.xml"},{"Organization":{"value":null,"Person":["PAUL KIRSCH","LUKELAND GENTLES","FRANK CIANCIOLA","JAMES MIDDLEMAS","MARY KRASNY","VICTORIA BENNETT","KAREN PARKER","EARL BELL","BENJIE JOHNSON","TIFFANY FORD","TOMAS KUSLIKIS SR","PATRICIA KEENE","DEANNE RAMOS","DONNA DOLEMAN","TINA HAMILTON","XIANG WU","MARCUS ENGLISH","ERICA BOTKA","JOSEPH LOUIS-FERDINAND","MINAL KAMAT","ROBIN CAMPBELL","BRITTANY ZIELINKSI"],"Title":["DIRECTOR","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","CHAIRPERSON","VICE CHAIRPERSON","DIRECTOR","PRESIDENT/CEO","CHIEF FINANCIAL OFFICER","CHIEF HUMAN RESOURCES OFFICER","CHIEF RETAIL OFFICER","CHIEF MARKETING OFFICER","CHIEF LENDING OFFICER","CHIEF TECHNOLOGY OFFICER","CHIEF DIGITAL OFFICER","HUMAN RESOURCES MANAGER","NETWORK ADMIN MANAGER","AVP BRANCH OPERATIONS","EXECUTIVE ASSISTANT","AVP BRANCH OPERATIONS"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,53.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,1211068,261866,254136,242391,171668,234125,213860,215763,128116,155443,138381,128685,119028],"Direct compensation":[0,0,0,0,0,0,0,0,0,1192068,232062,232868,216977,154264,211862,190099,192513,117119,127263,112184,114312,109336],"Other compensation":[0,0,0,0,0,0,0,0,0,19000,29804,21268,25414,17404,22263,23761,23250,10997,28180,26197,14373,9692]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2022,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN-UNIVERSITY OF MICHIGAN CU","phone":7346628200,"website":"WWW.UMCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIFFANY FORD","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"340 E HURON, ANN ARBOR, MI, 48104, USA","city":"ANN ARBOR","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":238,"Total Gross UBI":64903,"Net unrelated business taxable income":0,"Number of employees":238,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":52711293,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":50065951,"Total revenue":{"value":50065951,"LOAN INTEREST":36228301,"FEE AND OTHER INCOME":13837650},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1532558,"Investment income total":1532558,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1112784,"Other total":941185,"Royalties revenue":0,"Net rental income":171599,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":44293607,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":18060589,"Current officers":2804877,"Disqualified persons":0,"Other salaries and wages":11071661,"Pension plan contributions":0,"Other employee benefits":3214378,"Payroll taxes":969673},"Other expenses":{"value":26233018,"Management services":0,"Legal":56336,"Accounting":169199,"Lobbying services":0,"Investment management fees":0,"Other services":666438,"Advertising":2291528,"Office expenses":995957,"Information technology":996777,"Royalties":0,"Occupancy":1985990,"Travel":57778,"Conferences and meetings":135133,"Interest":3629341,"Payments to affiliates":0,"Depreciation and depletion":2598989,"Insurance":169245,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":9998723,"PROVISION FOR LOAN LOSS":3308522,"VISA EXPENSE":2916014,"LOAN SERVICING":2105614,"MAINTENANCE":1668573},"All other expenses":2481584},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1361434664,"Non-interest bearing cash":9395497,"Savings and temp cash investments":17950360,"Pledges and grants receivable":0,"Accounts receivable":4941850,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1057771812,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1781575,"Land, building, equipment":50295000,"Investments publicly traded":186881959,"Investments other":7123625,"Investments program related":0,"Intangible assets":0,"Other assets":25292986},"Liabilities":{"value":1258464824,"Sum of Total Liabilities":0,"Accounts payable, accrued":18337652,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":88806824,"Unsecured notes loans payable":0,"Other liabilities":1151320348},"Fund balance":{"value":102969840,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1596941664853488,"percentile":0.7110393812189466},"Liabilities to Assets Ratio":{"score":0.9243666679549155,"percentile":0.06075158996645544},"Operating Reserve Ratio":{"score":30.736595102765055,"percentile":0.9680677587814219},"Officer Compensation Ratio":{"score":0.07844314869186426,"percentile":0.630499812702712},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09509212231728464,"percentile":0.7525151525077614},"Asset Growth":{"score":0.11022630604932503,"percentile":0.7070718596668691},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.644052203518813,"percentile":0.7267795286881025}},"source_xml":"202342379349301524_public.xml"},{"Organization":{"value":null,"Person":["Frank Cianciola","Paul Kirsch","Jim Middlemas","Fred Mayer","Earl Bell","Victoria Bennett","Karen Parker","Rodger Wolf","Jeff Frumkin","Tiffany Ford","Jeff Schilag","Patrica Keene","Alan Augustine","Julee Lewinski","Andrea Mosher"],"Title":["Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","President/ Chief Executive Officer","VP Marketing","Chief Operations Officer","Chief Information Officer","Chief Financial Officer","VP Lending"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,368150,147264,145188,142000,143846,120633],"Direct compensation":[0,0,0,0,0,0,0,0,0,368150,147264,145188,142000,143846,120633],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Financial services. the university of michigan credit union is a financial institution chartered in the state of michigan. the credit union provides a wide range of financial services to the member/owners at a reasonable cost. services include lending, checking and savings accounts, and a variety of electronic financial services.","year":2014,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN","phone":7346628200,"website":"www.umcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Tiffany Ford","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"340 E Huron, Ann Arbor, MI, 48104, USA","city":"Ann Arbor","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":125,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":125,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":26347036,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":24141978,"Total revenue":{"value":24141978,"Loan Interest Income":16460178,"Fee Income":6084303,"Other Income":1597497},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1633888,"Investment income total":1617569,"Net investment gain":16319,"Income from invest bond proceeds":0},"Other revenues":{"value":571170,"Other total":0,"Royalties revenue":0,"Net rental income":571170,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":24278078,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":8558784,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":6703729,"Pension plan contributions":461420,"Other employee benefits":936207,"Payroll taxes":457428},"Other expenses":{"value":15719294,"Management services":0,"Legal":1440,"Accounting":149074,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":1508334,"Office expenses":1450728,"Information technology":851155,"Royalties":0,"Occupancy":1493495,"Travel":0,"Conferences and meetings":187662,"Interest":360,"Payments to affiliates":0,"Depreciation and depletion":398468,"Insurance":138798,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":9539780,"Interest on Deposits":802768,"Provision for Loan Losses":4519047,"Program Expenses":4217965},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":571276071,"Non-interest bearing cash":4353259,"Savings and temp cash investments":28808508,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":459324,"Receivables from disqual persons":0,"Other net note and loans":335923408,"Inventories for sale or use":0,"Prepaid expenses deferred charges":645594,"Land, building, equipment":18175150,"Investments publicly traded":162975650,"Investments other":4434923,"Investments program related":0,"Intangible assets":0,"Other assets":15500255},"Liabilities":{"value":517377330,"Sum of Total Liabilities":0,"Accounts payable, accrued":5428521,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":511948809},"Fund balance":{"value":53898741,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07852716335909664,"percentile":0.5841674175139642},"Liabilities to Assets Ratio":{"score":0.9056520240631609,"percentile":0.06372873148453131},"Operating Reserve Ratio":{"score":23.53053116478166,"percentile":0.9556276257972753},"Officer Compensation Ratio":{"score":0.04395244961318602,"percentile":0.7870354135949016},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.608969841114395,"percentile":0.6315048267302724}},"source_xml":"201542299349300729_public.xml"},{"Organization":{"value":null,"Person":["EARL BELL","LUKELAND GENTLES","KAREN PARKER","VICTORIA BENNETT","FRANK CIANCIOLA","BENJIE JOHNSON","MARY KRASNY","JAMES MIDDLEMAS","QUINTA VREEDE","TIFFANY FORD","TOMAS KUSLIKIS SR","DEANNE RAMOS","DONNA DOLEMAN","PATRICIA KEENE","XIANG WU","TINA HAMILTON","MARCUS ENGLISH","JOSEPH LOUIS-FERDINAND","MINAL KAMAT","ROBIN CAMPBELL","ERICA BOTKA","AMY STARKEY"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","CHIEF FINANCIAL OFFICER","CHIEF FINANCIAL OFFICER","CHIEF MARKETING OFFICER","CHIEF HUMAN RESOURCES OFFI","CHIEF TECHNOLOGY OFFICER","CHIEF LENDING OFFICER","CHIEF OPERATING OFFICER","NETWORK ADMIN MANAGER","AVP BRANCH OPERATIONS","EXECUTIVE ASSISTANT","AVP OF HUMAN RESOURCES","MANAGER OF REAL ESTATE LENDING"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,53.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,1316318,212226,310525,345516,276727,250773,262690,297834,178702,164700,140484,135442,131677],"Direct compensation":[0,0,0,0,0,0,0,0,0,1297318,188318,279231,304507,253808,223913,238883,269536,147103,135805,127882,123668,119929],"Other compensation":[0,0,0,0,0,0,0,0,0,19000,23908,31294,41009,22919,26860,23807,28298,31599,28895,12602,11774,11748]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2023,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN-UNIVERSITY OF MICHIGAN CU","phone":7346628200,"website":"WWW.UMCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIFFANY FORD","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"340 E HURON, ANN ARBOR, MI, 48104, USA","city":"ANN ARBOR","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":257,"Total Gross UBI":66558,"Net unrelated business taxable income":0,"Number of employees":257,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":64479602,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":61268787,"Total revenue":{"value":61268787,"LOAN INTEREST":47326596,"FEE AND OTHER INCOME":13942191},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2499088,"Investment income total":2499088,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":711727,"Other total":651095,"Royalties revenue":0,"Net rental income":60632,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":56414136,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":20761403,"Current officers":3272609,"Disqualified persons":0,"Other salaries and wages":12713239,"Pension plan contributions":0,"Other employee benefits":3687460,"Payroll taxes":1088095},"Other expenses":{"value":35652733,"Management services":0,"Legal":6176,"Accounting":154699,"Lobbying services":0,"Investment management fees":0,"Other services":772410,"Advertising":2893070,"Office expenses":1016044,"Information technology":1547031,"Royalties":0,"Occupancy":2044466,"Travel":54155,"Conferences and meetings":337773,"Interest":9163324,"Payments to affiliates":0,"Depreciation and depletion":2915256,"Insurance":176107,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":11950247,"VISA EXPENSE":3992821,"PROVISION FOR LOAN LOSS":3776727,"MAINTENANCE":2097353,"LOAN SERVICING":2083346},"All other expenses":2621975},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1357882173,"Non-interest bearing cash":12016951,"Savings and temp cash investments":74742333,"Pledges and grants receivable":0,"Accounts receivable":5961834,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1057369132,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2507124,"Land, building, equipment":50589551,"Investments publicly traded":115034084,"Investments other":7627449,"Investments program related":0,"Intangible assets":0,"Other assets":32033715},"Liabilities":{"value":1242218338,"Sum of Total Liabilities":0,"Accounts payable, accrued":23316292,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":152806824,"Unsecured notes loans payable":0,"Other liabilities":1066095222},"Fund balance":{"value":115663835,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1250855425565437,"percentile":0.6635700032547472},"Liabilities to Assets Ratio":{"score":0.9148204186638217,"percentile":0.06220349440295756},"Operating Reserve Ratio":{"score":24.069892216376406,"percentile":0.9568385567529913},"Officer Compensation Ratio":{"score":0.07132279753429176,"percentile":0.6594315051131916},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09511586672491262,"percentile":0.7525719857855213},"Asset Growth":{"score":0.10112329305749719,"percentile":0.6858670185013178},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6350292255816141,"percentile":0.7035873052124207}},"source_xml":"202402829349300520_public.xml"},{"Organization":{"value":null,"Person":["Frank Cianciola","Paul Kirsch","Fred Mayer","James Middlemas","Jeffery Frumkin","Rodger Wolf","Victoria Bennett","Karen Parker","Earl Bell","Tiffany Ford","Tomas Kuslikis Sr","Patrica Keene","Alan Augustine","Julie Wigley","Rex Musselman"],"Title":["Chairperson","Vice Chairperson","Secretary","Treasurer","Director","Director","Director","Director","Director","President/Chief Executive Officer","VP of Accounting and Finance","VP of Branch Operations","VP of IT","VP of Brand & Talent Development","AVP of Secured Underwriting"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,423879,128182,168375,155834,137734,129386],"Direct compensation":[0,0,0,0,0,0,0,0,0,383589,107159,144483,144447,126024,114065],"Other compensation":[0,0,0,0,0,0,0,0,0,40290,21023,23892,11387,11710,15321]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2015,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN","phone":7346628200,"website":"www.umcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Tiffany Ford","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"340 E Huron, Ann Arbor, MI, 48104, USA","city":"Ann Arbor","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":180,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":180,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":29517903,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":25850441,"Total revenue":{"value":25850441,"Loan Interest Income":17766448,"Fee and Other Income":8083993},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1989244,"Investment income total":1951875,"Net investment gain":37369,"Income from invest bond proceeds":0},"Other revenues":{"value":1678218,"Other total":1206662,"Royalties revenue":0,"Net rental income":471556,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":23591712,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":9724499,"Current officers":1143390,"Disqualified persons":0,"Other salaries and wages":6548688,"Pension plan contributions":409744,"Other employee benefits":1032347,"Payroll taxes":590330},"Other expenses":{"value":13867213,"Management services":0,"Legal":85390,"Accounting":34208,"Lobbying services":0,"Investment management fees":0,"Other services":91286,"Advertising":1412866,"Office expenses":4522550,"Information technology":903004,"Royalties":0,"Occupancy":589930,"Travel":0,"Conferences and meetings":193803,"Interest":730621,"Payments to affiliates":0,"Depreciation and depletion":803735,"Insurance":29724,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4470096,"Provision for Loan Loss":2114779,"Loan Servicing":2074822,"Miscellaneous Expense":165337,"Examination Fees":115158},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":664052014,"Non-interest bearing cash":5006396,"Savings and temp cash investments":894228,"Pledges and grants receivable":0,"Accounts receivable":2649905,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":393065308,"Inventories for sale or use":0,"Prepaid expenses deferred charges":954413,"Land, building, equipment":25640838,"Investments publicly traded":185810252,"Investments other":4131754,"Investments program related":37559058,"Intangible assets":0,"Other assets":8339862},"Liabilities":{"value":603102868,"Sum of Total Liabilities":0,"Accounts payable, accrued":6421026,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":596681842},"Fund balance":{"value":60949146,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.20076598937261905,"percentile":0.7570586948932262},"Liabilities to Assets Ratio":{"score":0.9082163072846279,"percentile":0.06330000180259016},"Operating Reserve Ratio":{"score":28.1476822877458,"percentile":0.9644664921541092},"Officer Compensation Ratio":{"score":0.04846574932756046,"percentile":0.7643966170251525},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.12681839045098156,"percentile":0.8154533881732469},"Asset Growth":{"score":0.12443787530365273,"percentile":0.737044998257555},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6691507164069108,"percentile":0.7871413049760388}},"source_xml":"201613209349306636_public.xml"},{"Organization":{"value":null,"Person":["PAUL KIRSCH","JEFFERY FRUMKIN","FRANK CIANCIOLA","JAMES MIDDLEMAS","SUSAN MCCLANAHAN","VICTORIA BENNETT","KAREN PARKER","SHAWN POLLACK","EARL BELL","TIFFANY FORD","TOMAS KUSLIKIS SR","PATRICIA KEENE","DEANNE RAMOS","JULIE WIGLEY","TINA HAMILTON"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","DIRECTOR","PRESIDENT/CEO","VP OF ACCOUNTING AND FINAN","VP OF LENDING","VP OF BRANCH OPERATIONS","VP OF BRAND & TALENT DEVEL","AVP OF EBRANCH"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,533735,151537,188638,129013,183528,142269],"Direct compensation":[0,0,0,0,0,0,0,0,0,514323,140623,169732,118773,179788,131671],"Other compensation":[0,0,0,0,0,0,0,0,0,19412,10914,18906,10240,3740,10598]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2017,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN-UNIVERSITY OF MICHIGAN CU","phone":7346628200,"website":"WWW.UMCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIFFANY FORD","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"340 E HURON, ANN ARBOR, MI, 48104, USA","city":"ANN ARBOR","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":206,"Total Gross UBI":111483,"Net unrelated business taxable income":-38513,"Number of employees":206,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":38078643,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":34356746,"Total revenue":{"value":34356746,"LOAN INTEREST":24040769,"FEE AND OTHER INCOME":10315977},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2364947,"Investment income total":2392248,"Net investment gain":-27301,"Income from invest bond proceeds":0},"Other revenues":{"value":1356950,"Other total":528496,"Royalties revenue":0,"Net rental income":828454,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":30710185,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":11908575,"Current officers":873910,"Disqualified persons":0,"Other salaries and wages":8417666,"Pension plan contributions":558827,"Other employee benefits":1338481,"Payroll taxes":719691},"Other expenses":{"value":18801610,"Management services":0,"Legal":39974,"Accounting":48386,"Lobbying services":0,"Investment management fees":0,"Other services":447477,"Advertising":1584431,"Office expenses":795257,"Information technology":686025,"Royalties":0,"Occupancy":1224803,"Travel":40264,"Conferences and meetings":87235,"Interest":920225,"Payments to affiliates":0,"Depreciation and depletion":1408304,"Insurance":174245,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":9534259,"PROVISION FOR LOAN LOSS":3578885,"VISA EXPENSE":3416021,"MAINTENANCE":1336950,"LOAN SERVICING":1202403},"All other expenses":1810725},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":793668991,"Non-interest bearing cash":5390543,"Savings and temp cash investments":26937340,"Pledges and grants receivable":0,"Accounts receivable":4460563,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":573870467,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1032113,"Land, building, equipment":32985903,"Investments publicly traded":133526639,"Investments other":4864613,"Investments program related":0,"Intangible assets":181565,"Other assets":10419245},"Liabilities":{"value":719920956,"Sum of Total Liabilities":0,"Accounts payable, accrued":8486823,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":711434133},"Fund balance":{"value":73748035,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.19350631796411444,"percentile":0.749705044899004},"Liabilities to Assets Ratio":{"score":0.907079606440111,"percentile":0.06348435761422276},"Operating Reserve Ratio":{"score":25.843836206131613,"percentile":0.9605006528558833},"Officer Compensation Ratio":{"score":0.04326642773399118,"percentile":0.7905689100176944},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.12196226498623094,"percentile":0.8074194584264573},"Asset Growth":{"score":0.10807091821188962,"percentile":0.7022067512666019},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6661905492155024,"percentile":0.7801600397409558}},"source_xml":"201843129349303269_public.xml"},{"Organization":{"value":null,"Person":["PAUL KIRSCH","LUKELAND GENTLES","FRANK CIANCIOLA","JAMES MIDDLEMAS","MARY KRASNY","VICTORIA BENNETT","KAREN PARKER","SHAWN POLLACK","EARL BELL","SUSAN MCCLANAHAN","TIFFANY FORD","TOMAS KUSLIKIS SR","PATRICIA KEENE","DEANNE RAMOS","JULIE WIGLEY","TINA HAMILTON","XIANG WU"],"Title":["CHAIRPERSON","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","CHAIRPERSON","DIRECTOR","TREASURER","DIRECTOR","PRESIDENT/CEO","VP OF ACCOUNTING AND FINAN","VP OF LENDING","VP OF BRANCH OPERATIONS","VP OF BRAND & TALENT DEVEL","AVP OF EBRANCH","VP OF INFORMATION TECHNOLOGY"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,690760,199678,224287,176921,211431,186288,169035],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,628367,163207,191393,142832,193104,151318,135443],"Other compensation":[0,0,0,0,0,0,0,0,0,0,62393,36471,32894,34089,18327,34970,33592]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2018,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN-UNIVERSITY OF MICHIGAN CU","phone":7346628200,"website":"WWW.UMCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIFFANY FORD","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"340 E HURON, ANN ARBOR, MI, 48104, USA","city":"ANN ARBOR","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":219,"Total Gross UBI":107985,"Net unrelated business taxable income":30877,"Number of employees":219,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":45510697,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":41617779,"Total revenue":{"value":41617779,"LOAN INTEREST":30612441,"FEE AND OTHER INCOME":11005338},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2143794,"Investment income total":2143794,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1749124,"Other total":951889,"Royalties revenue":0,"Net rental income":797235,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":35391811,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":13374919,"Current officers":1114725,"Disqualified persons":0,"Other salaries and wages":9352912,"Pension plan contributions":0,"Other employee benefits":2147607,"Payroll taxes":759675},"Other expenses":{"value":22016892,"Management services":0,"Legal":37065,"Accounting":62646,"Lobbying services":0,"Investment management fees":0,"Other services":470439,"Advertising":1683655,"Office expenses":869737,"Information technology":285137,"Royalties":0,"Occupancy":1333570,"Travel":59869,"Conferences and meetings":123287,"Interest":1909150,"Payments to affiliates":0,"Depreciation and depletion":1987450,"Insurance":160485,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":11100381,"PROVISION FOR LOAN LOSS":4892925,"VISA EXPENSE":3379957,"LOAN SERVICING":1427024,"MAINTENANCE":1400475},"All other expenses":1934021},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":907339037,"Non-interest bearing cash":5162332,"Savings and temp cash investments":57686744,"Pledges and grants receivable":0,"Accounts receivable":3144979,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":698244548,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1144491,"Land, building, equipment":33543349,"Investments publicly traded":87822019,"Investments other":5798794,"Investments program related":0,"Intangible assets":128691,"Other assets":14663090},"Liabilities":{"value":823444937,"Sum of Total Liabilities":0,"Accounts payable, accrued":10837857,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":50406824,"Unsecured notes loans payable":0,"Other liabilities":762200256},"Fund balance":{"value":83894100,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.22234082681704478,"percentile":0.7775715509410744},"Liabilities to Assets Ratio":{"score":0.9075383108420144,"percentile":0.0634087717314534},"Operating Reserve Ratio":{"score":25.63697678539253,"percentile":0.9600974807503002},"Officer Compensation Ratio":{"score":0.05250932200106968,"percentile":0.744640293971274},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1331995097344017,"percentile":0.82529870366933},"Asset Growth":{"score":0.10965208549297861,"percentile":0.7057878052397831},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6705267986188284,"percentile":0.790259666109576}},"source_xml":"201903169349302440_public.xml"},{"Organization":{"value":null,"Person":["List available upon request","List available upon request"],"Title":["Board Member","Staff"],"Hours":[3.0,40.0],"Total Compensation":[0,665268],"Direct compensation":[0,665268],"Other compensation":[0,0]},"Basic":{"value":null,"mission":"Financial services. the university of michigan credit union is a financial institution chartered in the state of michigan. the credit union provides a wide range of financial services to the member/owners at a reasonable cost. services include lending, checking and savings accounts, and a variety of electronic financial services.","year":2013,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN","phone":7346628200,"website":"www.umcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Tiffany L Ford","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":12,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"340 E Huron, Ann Arbor, MI, 48104, USA","city":"Ann Arbor","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":139,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":139,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":22861896,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":20619123,"Total revenue":{"value":20619123,"Loan Interest Income":14584096,"Fee Income":5557582,"Other Income":477445},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1765614,"Investment income total":1785229,"Net investment gain":-19615,"Income from invest bond proceeds":0},"Other revenues":{"value":477159,"Other total":0,"Royalties revenue":0,"Net rental income":477159,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":20147731,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":7616298,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":5937263,"Pension plan contributions":419797,"Other employee benefits":792425,"Payroll taxes":466813},"Other expenses":{"value":12531433,"Management services":0,"Legal":23151,"Accounting":144619,"Lobbying services":0,"Investment management fees":0,"Other services":83521,"Advertising":1198864,"Office expenses":1365175,"Information technology":676954,"Royalties":0,"Occupancy":1412874,"Travel":0,"Conferences and meetings":146086,"Interest":2524,"Payments to affiliates":0,"Depreciation and depletion":591856,"Insurance":127343,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6758466,"Interest on Deposits":874889,"Provision for Loan Losses":2411155,"Program Expenses":3472422},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":518552560,"Non-interest bearing cash":3466320,"Savings and temp cash investments":27938712,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":587301,"Receivables from disqual persons":0,"Other net note and loans":300644641,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1051038,"Land, building, equipment":16968030,"Investments publicly traded":147556683,"Investments other":10917190,"Investments program related":0,"Intangible assets":0,"Other assets":9422645},"Liabilities":{"value":469254464,"Sum of Total Liabilities":0,"Accounts payable, accrued":5490754,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":463763710},"Fund balance":{"value":49298096,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11872003091957027,"percentile":0.6537996473786037},"Liabilities to Assets Ratio":{"score":0.904931341964641,"percentile":0.06384876760188321},"Operating Reserve Ratio":{"score":25.737516547148658,"percentile":0.9603026034005091},"Officer Compensation Ratio":{"score":0.03301949981365147,"percentile":0.8439488812711015},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6291642568599698,"percentile":0.6878359117691585}},"source_xml":"201401119349300310_public.xml"},{"Organization":{"value":null,"Person":["PAUL KIRSCH","LUKELAND GENTLES","FRANK CIANCIOLA","JAMES MIDDLEMAS","MARY KRASNY","VICTORIA BENNETT","KAREN PARKER","SHAWN POLLACK","EARL BELL","TIFFANY FORD","TOMAS KUSLIKIS SR","PATRICIA KEENE","DEANNE RAMOS","JULIE WIGLEY","TINA HAMILTON","XIANG WU"],"Title":["TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","VICE CHAIRPERSON","CHAIRPERSON","DIRECTOR","SECRETARY","PRESIDENT/CEO","VP OF ACCOUNTING AND FINAN","VP OF TALENT DEVELOPMENT","VP OF BRANCH OPERATIONS","VP OF BRAND & TALENT DEVEL","VP OF LENDING","VP OF INFORMATION TECHNOLO"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,1447176,206182,226033,196123,231283,183463,152390],"Direct compensation":[0,0,0,0,0,0,0,0,0,1446253,188466,202604,179311,197861,178251,139940],"Other compensation":[0,0,0,0,0,0,0,0,0,923,17716,23429,16812,33422,5212,12450]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2020,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN-UNIVERSITY OF MICHIGAN CU","phone":7346628200,"website":"WWW.UMCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIFFANY FORD","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"340 E HURON, ANN ARBOR, MI, 48104, USA","city":"ANN ARBOR","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":216,"Total Gross UBI":76746,"Net unrelated business taxable income":0,"Number of employees":216,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":47053855,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":45017198,"Total revenue":{"value":45017198,"LOAN INTEREST":34325080,"FEE AND OTHER INCOME":10692118},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1312139,"Investment income total":1312139,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":724518,"Other total":624505,"Royalties revenue":0,"Net rental income":100013,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":41897968,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":16127162,"Current officers":1653358,"Disqualified persons":0,"Other salaries and wages":10788086,"Pension plan contributions":0,"Other employee benefits":2798782,"Payroll taxes":886936},"Other expenses":{"value":25770806,"Management services":0,"Legal":80109,"Accounting":66032,"Lobbying services":0,"Investment management fees":0,"Other services":555639,"Advertising":2090783,"Office expenses":994199,"Information technology":581943,"Royalties":0,"Occupancy":1408812,"Travel":27131,"Conferences and meetings":39865,"Interest":3286572,"Payments to affiliates":0,"Depreciation and depletion":2521713,"Insurance":180791,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":12149609,"PROVISION FOR LOAN LOSS":5083739,"VISA EXPENSE":3669978,"LOAN SERVICING":1870801,"MAINTENANCE":1525091},"All other expenses":1787608},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1187983058,"Non-interest bearing cash":8467477,"Savings and temp cash investments":150099432,"Pledges and grants receivable":0,"Accounts receivable":9135478,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":830604388,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1278069,"Land, building, equipment":45166445,"Investments publicly traded":125761382,"Investments other":3749552,"Investments program related":0,"Intangible assets":47413,"Other assets":13673422},"Liabilities":{"value":1089485006,"Sum of Total Liabilities":0,"Accounts payable, accrued":11893702,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":62806824,"Unsecured notes loans payable":0,"Other liabilities":1014784480},"Fund balance":{"value":98498052,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10957416772759639,"percentile":0.6392694529232501},"Liabilities to Assets Ratio":{"score":0.9170879994148873,"percentile":0.06184318121111117},"Operating Reserve Ratio":{"score":28.354192690203973,"percentile":0.9647825629175837},"Officer Compensation Ratio":{"score":0.06307346456515504,"percentile":0.6952807432503381},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1120014532580964,"percentile":0.7891964138481701},"Asset Growth":{"score":0.11127115495268994,"percentile":0.7094173617055158},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6383217698453539,"percentile":0.7120940535954946}},"source_xml":"202122949349300212_public.xml"},{"Organization":{"value":null,"Person":["Paul Kirsch","Jeffery Frumkin","Frank Cianciola","James Middlemas","Susan McClanahan","Victoria Bennett","Karen Parker","Shawn Pollack","Earl Bell","Tiffany Ford","Tomas Kuslikis Sr","Patrica Keene","Alan Augustine","Julie Wigley","Rex Musselman"],"Title":["Chairperson","Vice Chairperson","Secretary","Treasurer","Director","Director","Director","Director","Director","President/CEO","VP of Accounting and Finance","VP of Branch Operations","VP of IT","VP of Brand & Talent Development","AVP of Secured Underwriting"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,469243,167383,203256,188125,194210,126144],"Direct compensation":[0,0,0,0,0,0,0,0,0,424337,138973,172702,174658,174730,113139],"Other compensation":[0,0,0,0,0,0,0,0,0,44906,28410,30554,13467,19480,13005]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2016,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN","phone":7346628200,"website":"www.umcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Tiffany Ford","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"340 E Huron, Ann Arbor, MI, 48104, USA","city":"Ann Arbor","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":187,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":187,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":32278872,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":28943862,"Total revenue":{"value":28943862,"Loan Interest":20056036,"Fee and Other Income":8887826},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2325373,"Investment income total":2325373,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1009637,"Other total":355877,"Royalties revenue":0,"Net rental income":653760,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":26524518,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":10560267,"Current officers":1348361,"Disqualified persons":0,"Other salaries and wages":7151136,"Pension plan contributions":444323,"Other employee benefits":951912,"Payroll taxes":664535},"Other expenses":{"value":15964251,"Management services":0,"Legal":136765,"Accounting":80400,"Lobbying services":0,"Investment management fees":0,"Other services":84096,"Advertising":1406633,"Office expenses":4487739,"Information technology":1226855,"Royalties":0,"Occupancy":1321037,"Travel":0,"Conferences and meetings":288759,"Interest":737126,"Payments to affiliates":0,"Depreciation and depletion":1064547,"Insurance":163890,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4966404,"Loan Servicing":2653100,"Provision for Loan Loss":2175244,"Examination Fees":138060},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":729309577,"Non-interest bearing cash":5260348,"Savings and temp cash investments":993169,"Pledges and grants receivable":0,"Accounts receivable":4492432,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":465488917,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1011151,"Land, building, equipment":25981789,"Investments publicly traded":178209238,"Investments other":3954066,"Investments program related":34986972,"Intangible assets":0,"Other assets":8931495},"Liabilities":{"value":663762782,"Sum of Total Liabilities":0,"Accounts payable, accrued":9270917,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":654491865},"Fund balance":{"value":65546795,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.17826998415558015,"percentile":0.7332391216136209},"Liabilities to Assets Ratio":{"score":0.9101248673168048,"percentile":0.06297266781704693},"Operating Reserve Ratio":{"score":27.49567690542011,"percentile":0.9634331994343869},"Officer Compensation Ratio":{"score":0.05083451469316049,"percentile":0.7526762511434414},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.11322587225177531,"percentile":0.7915355371766627},"Asset Growth":{"score":0.11679282361478308,"percentile":0.7213971970045084},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6604972117023249,"percentile":0.7669292532192034}},"source_xml":"201702839349301400_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["EARL BELL","LUKELAND GENTLES","KAREN PARKER","VICTORIA BENNETT","FRANK CIANCIOLA","BENJIE JOHNSON","MARY KRASNY","JAMES MIDDLEMAS","QUINTA VREEDE","TIFFANY FORD","DEANNE RAMOS","DONNA DOLEMAN","PATRICIA KEENE","XIANG WU","TINA HAMILTON","MARCUS ENGLISH","JOSEPH LOUIS-FERDINAND","MINAL KAMAT","ROBIN CAMPBELL","ERICA BOTKA","MIKE WORK"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","CHIEF FINANCIAL OFFICER","CHIEF MARKETING OFFICER","CHIEF HUMAN RESOURCES OFFICER","CHIEF TECHNOLOGY OFFICER","CHIEF LENDING OFFICER","CHIEF OPERATIONS OFFICER","NETWORK ADMIN MANAGER","VP OF BRANCH OPERATIONS","ADMIN ASSISTANT","AVP OF HUMAN RESOURCES","PROGRAMMING MANAGER"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,53.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,1424835,355780,377819,276189,253853,285597,305136,182714,166540,177639,177134,155077],"Direct compensation":[0,0,0,0,0,0,0,0,0,1404508,320748,329931,254231,225739,261227,274285,154902,137039,159837,160390,142419],"Other compensation":[0,0,0,0,0,0,0,0,0,20327,35032,47888,21958,28114,24370,30851,27812,29501,17802,16744,12658]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2024,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN","phone":7346628200,"website":"WWW.UMCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIFFANY FORD","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"340 E HURON, ANN ARBOR, MI, 48104, USA","city":"ANN ARBOR","state":"MI","country":"USA","zip_code":48104},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":265,"Total Gross UBI":65655,"Net unrelated business taxable income":0,"Number of employees":265,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":89479393,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":72100070,"Total revenue":{"value":72100070,"LOAN INTEREST":57751948,"FEE AND OTHER INCOME":14348122},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":16583882,"Investment income total":4377438,"Net investment gain":12206444,"Income from invest bond proceeds":0},"Other revenues":{"value":795441,"Other total":725652,"Royalties revenue":0,"Net rental income":69789,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":68108376,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":23763875,"Current officers":3279209,"Disqualified persons":0,"Other salaries and wages":14889876,"Pension plan contributions":0,"Other employee benefits":4352577,"Payroll taxes":1242213},"Other expenses":{"value":44344501,"Management services":0,"Legal":0,"Accounting":215816,"Lobbying services":0,"Investment management fees":0,"Other services":908408,"Advertising":4731994,"Office expenses":1198511,"Information technology":1881506,"Royalties":0,"Occupancy":1964969,"Travel":71221,"Conferences and meetings":670178,"Interest":11931143,"Payments to affiliates":0,"Depreciation and depletion":3103677,"Insurance":208905,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":14156649,"PROVISION FOR LOAN LOSS":5673362,"VISA EXPENSE":4033260,"LOAN SERVICING":2384990,"MAINTENANCE":2065037},"All other expenses":3301524},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1353392856,"Non-interest bearing cash":9538682,"Savings and temp cash investments":118989456,"Pledges and grants receivable":0,"Accounts receivable":5479258,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1030269822,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2530927,"Land, building, equipment":64934210,"Investments publicly traded":86915432,"Investments other":7869247,"Investments program related":0,"Intangible assets":0,"Other assets":26865822},"Liabilities":{"value":1213065076,"Sum of Total Liabilities":0,"Accounts payable, accrued":18955702,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":152806824,"Unsecured notes loans payable":0,"Other liabilities":1041302550},"Fund balance":{"value":140327780,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.23883730413772475,"percentile":0.7918547351477445},"Liabilities to Assets Ratio":{"score":0.8963140825090923,"percentile":0.06527772998182661},"Operating Reserve Ratio":{"score":19.871166154365508,"percentile":0.9455487273402625},"Officer Compensation Ratio":{"score":0.06076070584916017,"percentile":0.7058109044627547},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10814544926921552,"percentile":0.7815337201915757},"Asset Growth":{"score":0.09109353092086259,"percentile":0.6600659353537471},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6627514564001649,"percentile":0.7722556452175763}},"source_xml":"202511339349305711_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}