2026-06-15T11:02:17-04:00 2025-12-31 383133790 ANDREWS HOOPER PAVLIK PLC 5300 GRATIOT RD SAGINAW MI 486386035 990 2025-01-01 380996065 WILDFIRE CREDIT UNION WILD 9892498200 6640 BAY ROAD SAGINAW MI 48604 DAVID C WERTH CFO 9892498200 2026-05-27 true KEVIN B HUNT P01830636 9894975300 2026-05-27 2025 2025-03-06 01:10:19Z DAVID C WERTH 6640 BAY ROAD SAGINAW MI 48604 217028549 false X WWW.WILDFIRECU.ORG X CREDIT UNION 1937 MI TO PROVIDE LOW/NO COST FINANCIAL PRODUCTS AND SERVICES TO MEMBER OWNERS WHO SHARE A COMMON BOND. 7 7 226 9 75309 52040 0 47660453 52810369 14489349 16653992 0 62149802 69464361 0 0 16651186 17929085 0 0 42455545 47150434 59106731 65079519 3043071 4384842 1111206637 1170809206 998405254 1043257203 112801383 127552003 TO PROVIDE LOW/NO COST FINANCIAL PRODUCTS AND SERVICES TO MEMBER OWNERS WHO SHARE A COMMON BOND. false false PROVIDED 49,856 MEMBERS WITH HIGH-YIELDING, NO COST SAVINGS AND TRANSACTION ACCOUNTS. THE TOTAL NUMBER OF ACCOUNTS IS 124,995 AND INCLUDES SHARE ACCOUNTS, CHECKING ACCOUNTS, SMALL BUSINESS DEPOSITS, CHRISTMAS CLUBS, IRAS, HIGH-YIELD ACCOUNTS AND CERTIFICATES OF DEPOSITS. PROVIDED 39,496 LOW RATE LOANS TO MEMBERS INCLUDING VEHICLE, MORTGAGE/HOME EQUITY, SMALL BUSINESS, CREDIT CARDS AND OTHER PERSONAL LOANS. PROVIDED NO/LOW COST FINANCIAL PRODUCTS AND SERVICES INCLUDING AUTOMATED TELLER MACHINE ACCESS, DEBIT CARDS, MONEY ORDERS, TRAVELERS CHECKS, AND WIRE TRANSFERS. false false false false false false false false false true true false false true false true 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 15661 0 true 226 true true true false false false false false false false X 7 7 false false false false true true true true true false true true true false true true true true false X DAVID C WERTH 9892498200 6640 BAY ROAD SAGINAW MI 48604 BENJAMIN DENAY PRESIDENT/CE 40.00 X 502064 0 26745 ROBERT C TRUMBLE CFO 40.00 X 316078 0 82245 MARK SCHUILING CHIEF TECHNO 40.00 X 294261 0 39470 TRACY KAUFMAN CHIEF LENDIN 40.00 X 259448 0 48841 ANDREA HALES CHIEF BUSINE 40.00 X 211151 0 32319 MICHAEL ZEIMEN CHIEF DATA O 40.00 X 208249 0 29546 KIMBERLY EGELER CHIEF BRANCH 40.00 X 188007 0 35364 DAVID C WERTH CFO 40.00 X 73228 0 3615 ANDREW BETHUNE TREASURER 2.00 X X 0 0 0 JENNA DOST DIRECTOR 2.00 X X 0 0 0 RODNEY L FRANCIS SECRETARY 2.00 X X 0 0 0 RODNEY KLOHA DIRECTOR 2.00 X 0 0 0 GENE ROUSSEAU VICE CHAIRPE 2.00 X X 0 0 0 JEANELLE SMITH DIRECTOR 2.00 X 0 0 0 KEN VOELKER CHAIRPERSON 2.00 X X 0 0 0 2052486 298145 36 false true false LOAN INTEREST 522291 40715140 40715140 FEE/OTHER INCOME 524298 12019920 12019920 INSURANCE 524298 75309 75309 52810369 16309396 16309396 147672541 236243 146931406 632782 741135 -396539 344596 344596 69464361 69389052 75309 844303 13899818 1071920 1053639 1059405 74773 170876 200163 714577 644535 5526219 4077376 1072581 328479 7328 23302708 1453013 178784 PROVISION FOR LOAN LOSSES 4303427 LOAN SERVICING 3728687 MARKETING 809838 REPAIRS AND MAINT 198369 358701 65079519 0 0 0 5555030 6414292 20541086 29132597 622821363 690035495 3131296 3399312 44541666 28399516 17103335 16142150 423736183 407020891 18318344 18664469 1111206637 1170809206 8104391 8512158 749721 640712 989551142 1034104333 998405254 1043257203 X 112801383 127552003 112801383 127552003 1111206637 1170809206 X 4384842 9922457 443321 X false true X true false 1749048 1749048 18530787 6341480 12189307 243452 181775 61677 20372746 18741757 1630989 3645633 3134504 511129 16142150 AVAILABLE-FOR-SALE SECURITIES 361921362 F OTHER INVESTMENTS 30574066 C DEFERRED COMPENSATION MUTUAL FUNDS 5135772 F TOTAL BENEFITS PREFUNDING MUTUAL FND 4535360 F CENTRAL LIQUIDITY FACILITY 2970010 C CUSO INVESTMENTS 1884321 C 407020891 MEMBER SHARES 1034104333 1034104333 69916475 452114 452114 69464361 69464361 65531633 452114 452114 65079519 65079519 SCHEDULE D, PAGE 4, PART XI, LINE 2D LOSSES REPORTED AS EXPENSE ON AFS 452,114 SCHEDULE D, PAGE 4, PART XII, LINE 2D LOSSES REPORTED AS EXPENSE ON AFS 452,114 X true true X X X X X false true false BENJAMIN DENAY PRESIDENT/CEO 501690 374 26745 528809 ROBERT C TRUMBLE CFO 312545 3533 43292 38953 398323 159672 MARK SCHUILING CHIEF TECHNOLOGY OFF 293688 573 9734 29736 333731 TRACY KAUFMAN CHIEF LENDING OFF 258376 1072 20704 28137 308289 ANDREA HALES CHIEF BUSINESS OFF 208522 2629 32319 243470 MICHAEL ZEIMEN CHIEF DATA OFFICER 206665 1584 1053 28493 237795 KIMBERLY EGELER CHIEF BRANCH OFFICER 186301 1706 35364 223371 SCHEDULE J, PAGE 1, PART I, LINE 4 ROBERT C. TRUMBLE 0 159,672 0 SCHEDULE J, PART III THE CREDIT UNION OFFERS TRAVEL RELATED EXPENSES FOR COMPANIONS OF NON- COMPENSATED BOARD MEMBERS. ALL VOLUNTEER BOARD MEMBERS ARE ELIGIBLE FOR THIS BENEFIT, HOWEVER, NOT ALL TAKE ADVANTAGE OF THIS BENEFIT. IN THE CURRENT YEAR, 3 BOARD MEMBERS TOOK ADVANTAGE OF THIS BENEFIT. THIS BENEFIT IS TAXABLE AND WAS REPORTED ON FORM 1099-MISC TO EACH COMPANION. FORM 990 ALL LINES LEFT BLANK ARE NOT APPLICABLE TO THE ORGANIZATION. FORM 990, PAGE 6, PART VI, LINE 6 ALL MEMBERS OF THE CREDIT UNION ARE OF THE SAME CLASS. EACH MEMBER HAS THE RIGHT TO VOTE FOR INDIVIDUALS SERVING ON THE VOLUNTEER BOARD OF DIRECTORS AT EACH ANNUAL MEETING. FORM 990, PAGE 6, PART VI, LINE 7A THE BOARD OF DIRECTORS IS ELECTED AT THE ANNUAL MEETING BY THE MEMBERSHIP PRESENT AT THE MEETING. EACH BOARD MEMBER IS ELECTED FOR A THREE YEAR TERM. FORM 990, PAGE 6, PART VI, LINE 7B BOARD OF DIRECTOR DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE MERGERS, CHARTER CHANGES, BY-LAW CHANGES AND FIELD OF MEMBERSHIP CHANGES. FORM 990, PAGE 6, PART VI, LINE 11B A REVIEW IS CONDUCTED BY THE CFO PRIOR TO SUBMISSION TO THE IRS. THE RETURN IS MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW. FORM 990, PAGE 6, PART VI, LINE 15A THE BOARD OF DIRECTORS COMPLETES AN EVAULATION OF THE PRESIDENT/CEO. THE BOARD OF DIRECTORS SETS THE SALARY OF THE PRESIDENT/CEO. THE CREDIT UNION USES THE SERVICES OF A PROFESSIONAL COMPENSATION CONSULTING FIRM TO DETERMINE APPROPRIATE COMPENSATION RANGES. FORM 990, PAGE 6, PART VI, LINE 15B THE PRESIDENT/CEO EVALUATES THE CFO. ALL STAFF SALARY INCREASES (EXCLUDING THE PRESIDENT/CEO) ARE SET BY THE PRESIDENT/CEO AND APPROVED BY THE BOARD OF DIRECTORS. THE CREDIT UNION USES THE SERVICES OF A PROFESSIONAL COMPENSATION CONSULTING FIRM TO DETERMINE APPROPRIATE COMPENSATION RANGES. FORM 990, PAGE 6, PART VI, LINE 19 FINANCIAL STATEMENTS ARE POSTED IN ALL BRANCH OFFICE LOBBIES. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST. FORM 990, PART XI, LINE 9 UNAMORTIZED TRANSITION OBLIGATION AND OTHER GAINS 265,215 UNREALIZED HOLDING LOSSES ON OTHER INVESTMENTS 178,106 TOTAL 443,321