2025-08-12T09:09:03-07:00 2024-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2024-01-01 381489465 EMBERS CREDIT UNION EMBE 9062287080 601 S MCCLELLAN AVE MARQUETTE MI 49855 JENNIFER STEMPKI CFO 2025-08-12 true true Donald E Lingerfelt P00339004 8005225820 2024 2025-03-06 01:10:19Z TOM BLAKE 29891836 false X https://embers.org X 1953 MI PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS. 11 11 158 14 32894 0 23249754 27289420 2083044 2602416 0 25332798 29891836 0 0 9281631 9915148 0 0 13350617 17922345 22632248 27837493 2700550 2054343 515551996 548839668 466876540 494764522 48675456 54075146 PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS. false false THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2024 WAS 32,189. THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2024 WAS 27,907. false false false false false false false false false true false false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true 10284 0 true 158 true true true false false false false false false false X 11 11 false false false false true true true true true false true true false true true true false true true true false X JENNIFER STEMPKI 9062288338 601 S MCCLELLAN AVE MARQUETTE MI 49855 THOMAS BLAKE CEO 40.00 0.00 X 367034 0 49564 BRENDA LIPPENS President 40.00 0.00 X 299788 0 44143 DAVID BLACK COO 40.00 0.00 X 247894 0 42116 JUSTIN STORE Vice President 40.00 0.00 X 188348 0 40190 JENNIFER STEMPKI CFO 40.00 0.00 X 153337 0 32259 ANN DEMING Vice President 40.00 0.00 X 112091 0 28847 LAURIE WILLS Director 40.00 0.00 X 122533 0 11965 MATT NORD Vice President 40.00 0.00 X 99335 0 20627 SCOTT JAMIESON Director 1.00 0.00 X 0 0 0 SANDRA VILLA-MOGUSH Chairman 1.00 0.00 X 0 0 0 WILLIAM FERNS Treasurer 1.00 0.00 X 0 0 0 MARK CANALE Director 1.00 0.00 X 0 0 0 TOM VEAR Director 1.00 0.00 X 0 0 0 LEONARD ANGELI Director 1.00 0.00 X 0 0 0 BRIAN KULBIEDA Director 1.00 0.00 X 0 0 0 GAIL ANTHONY Director 1.00 0.00 X 0 0 0 ANDREW WASILEWSKI Director 1.00 0.00 X 0 0 0 KEITH LYNCH Director 1.00 0.00 X 0 0 0 RANDY VANPORTFLIET Director 1.00 0.00 X 0 0 0 1590360 269711 7 false true false MEMBER DRIVEN TECHNOLOGIES 30230 ORCHARD LAKE ROAD FARMINGTON HILLS MI 48334 DATA PROCESSING 1042763 MASTERCARD 2000 PURCHASE ST PURCHASE NY 10577 PLASTIC CARD NETWORK 799750 JHA CASR PROCESSING SOLUTIONS PO Box 609 MONNETT MO 65708 PLASTIC CARD PROCESSOR 1127185 SMALL BUSINESS ASSC OF MI 101 S Washington Sq Ste 900 LANSING MI 48933 GROUP HEALTH INSURANCE 982719 Cross General Contracting E8963 M-28W MUNISING MI 49862 GENERAL CONTRACTING 221675 13 0 FEES AND OTHER INCOME 522100 5962795 5962795 INSURANCE SALES 524298 2288 2288 INTEREST ON LOANS 522100 21293731 21293731 NON-MEMBER ATM FEES 525990 30606 30606 27289420 2602416 2602416 0 0 0 0 0 0 0 0 29891836 29858942 32894 0 0 0 0 1860071 0 6015614 458252 991863 589348 0 74763 0 0 0 0 0 428357 2634709 1630639 0 894207 494336 0 0 8163010 29043 471040 33774 LOAN SERVICING EXP 1179134 PROVISION FOR CREDIT LOSS 760000 MISC EXPENSE 705547 PRO SERVICES 351703 72083 27837493 0 0 0 4006242 3804105 16696553 60118371 0 165000 0 0 333319220 339130407 0 659618 665538 20105489 6318377 13928990 13787112 130836301 109814508 1732700 2935628 0 2979892 2417664 11392480 16001335 515551996 548839668 4161099 3508936 462715441 491255586 466876540 494764522 X 48675456 54075146 48675456 54075146 515551996 548839668 2054343 3345347 X false true X false false 1519802 1519802 11528321 2564895 8963426 2256400 1999322 257078 4800966 1754160 3046806 13787112 FHLBI BORROWING -1 MEMBER SHARES 490472849 OTHER LIABILITIES 782738 491255586 false false false BRENDA LIPPENS President 247653 50750 1385 23900 20243 343931 DAVID BLACK COO 221494 24960 1440 16960 25156 290010 JENNIFER STEMPKI CFO 134298 17599 1440 12238 20021 185596 JUSTIN STORE Vice President 165276 21632 1440 15051 25139 228538 THOMAS BLAKE CEO 323881 39913 3240 29236 20328 416598 Form 990, Part VI, Section A, Line 6 SECTION 501(C)(14) CREDIT UNION IS COMPOSED OF MEMBERS. Form 990, Part VI, Section A, Line 7a MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS BY BALLOT VOTE. Form 990, Part VI, Section A, Line 7b MERGERS WHERE THE CREDIT UNION IS TO BE ACQUIRED ARE VOTED ON BY ENTIRE MEMBERSHIP. Form 990, Part VI, Section B, Line 11b MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING. Form 990, Part VI, Section B, Line 12c EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE. Form 990, Part VI, Section B, Line 15a EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED. Form 990, Part VI, Section B, Line 15b EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED. Form 990, Part VI, Section C, Line 19 CREDIT UNION BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESSIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE CALL REPORTS ARE ALSO AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.