2024-04-19T05:45:47-07:00 2023-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2023-01-01 386053685 Auto-Owners Associates Credit Union AUTO 5173231370 6101 ANACAPRI BLVD LANSING MI 48917 BRANDON BIDDINGER CEO 2024-04-19 true BRANDON BIDDINGER 999009999 true Donald E Lingerfelt P00339004 8005225820 0 AAL1 IAL1 FAL1 2023 2023-04-26 12:10:37Z BRANDON BIDDINGER 1433030 false X N/A X MI TO ENCOURAGE THRIFT AMONG ITS MEMBERS, PROVIDE A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. 7 7 0 7 0 0 556706 628429 486281 804601 0 1042987 1433030 0 0 209700 241585 0 0 512454 830461 722154 1072046 320833 360984 45463210 44057972 39608633 37842411 5854577 6215561 TO ENCOURAGE THRIFT AMONG ITS MEMBERS, PROVIDE A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. false false PROVIDE DEPOSIT ACCOUNTS INCLUDING SHARE DRAFTS, CERTIFICATES, CHRISTMAS CLUBS AND SAVINGS ACCOUNTS TO 2,740 MEMBERS, AS OF DECEMBER 31, 2023. PROVIDE MEMBERS WITH 906 LOANS INCLUDING CREDIT CARDS, SIGNATURE, NEW AND USE VEHICLES AND RECREATIONAL VEHICLES AS OF DECEMBER 31, 2023. OFFER ATM & DEBIT CARDS, TRAVEL MONEY CARDS, GIFT CARDS, WIRE TRANSFERS, MONEY ORDERS, ELECTRONIC BANKING (ACH), WEB BANKING, MOBILE, APP, MOBILE DEPOSIT, FREE BILL PAY, AND E-SIGNATURE DOCUMENTS TO ALL ELIGIBLE MEMBERS. false false false false false false false false false true true false false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 2504 0 true 0 false false false false false false false false X 7 7 false false false false true true true true true false false false true true true true true true true false X BRANDON BIDDINGER 5173231370 6101 ANACAPRI BLVD LANSING MI 48917 X AMY CHICK Secretary 1.00 0.00 X 0 0 0 ANNE GRUBER Director 1.00 0.00 X 0 0 0 DIANA RIDDLE Director 1.00 0.00 X 0 0 0 DAVID LUEDERS Chairman 1.00 0.00 X 0 0 0 TREVOR MAHONEY Treasurer 1.00 0.00 X 0 0 0 MICHAELA BARNETT Director 1.00 0.00 X 0 0 0 MITCHELL LEE Director 1.00 0.00 X 0 0 0 PATRICIA FOX CEO 40.00 0.00 X 0 0 0 0 false false false 0 0 LOAN INTEREST 522100 384789 384789 OTHER 522100 243640 243640 628429 804601 804601 0 0 0 0 0 0 0 0 1433030 1433030 0 0 0 0 0 0 241585 0 0 0 0 0 14778 0 0 0 28420 0 209152 73715 0 84000 2095 0 0 372943 14903 1680 20210 LOAN SERVICING 4037 PROVISION FOR LOAN LOSS 3958 MISC 680 CASH SHORT/OVER -110 0 1072046 0 0 0 291734 248326 16301351 16385336 0 0 0 0 8315841 8153186 0 20528 8636 16161 15605 2094 556 0 20043299 18753714 0 0 488363 508218 45463210 44057972 274932 144259 39333701 37698152 39608633 37842411 X 5854577 6215561 5854577 6215561 45463210 44057972 360984 X true X true X true false 16161 15605 556 556 18753714 MEMBER SHARES & DEPOSITS 37698152 37698152 Form 990, Part VI, Section B, Line 11b No review was or will be conducted. Form 990, Part VI, Section C, Line 19 No documents available to the public. FORM 990, PART VI, LINE 11B - FORM 990 REVIEW PROCESS MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. THE RETURNS ARE MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW. FORM 990, PART VI, LINE 12C - MONITORING AND ENFORCEMENT OF CONFLICTS 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, LINE 15B - COMPENSATION REVIEW & APPROVAL PROCESS EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED. FORM 990, PART VI, LINE 19 - OTHER ORGANIZATION DOCUMENTS AVAILABLE 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. FORM 990, PART VI, LINE 6 - EXPLANATION OF CLASSES OF MEMBERS SECTION 501C(14) CREDIT UNION IS COMPOSED OF MEMBERS. FORM 990, PART VI, LINE 7A - HOW MEMBERS ELECT GOVERNING BODY MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING. FORM 990, PART VI, LINE 7B - DECISIONS OF GOVERNING BODY APPROVAL MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.