2026-07-30T11:47:32-07:00 2025-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2025-01-01 380299643 AAC CREDIT UNION AACC 6164594429 177 WILSON AVENUE NW GRAND RAPIDS MI 49534 TIMOTHY KAMPHUIS CEO 2026-07-30 true Thomas Cvinar P00743293 8005225820 2025 2025-03-06 01:10:19Z X TIMOTHY KAMPHUIS 13068328 false X https://www.goaac.com/ X 1937 MI PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS 7 7 55 7 36917 5071 0 9957373 10097336 1892730 2970992 0 11850103 13068328 0 0 3266689 3559637 0 0 6320534 6406999 9587223 9966636 2262880 3101692 194938427 205510375 149567838 155740661 45370589 49769714 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 12/31/25 WAS 14,960. 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 12/31/25 WAS 7,714. 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 true false false false false false false false false false false false false true 4706 0 true 55 true true true false false false false false false false X 7 7 false false false false true true true true true false true true false true true true false true true true false X TIM KAMPHUIS 6164594429 177 WILSON AVENUE NW GRAND RAPIDS MI 49534 BRIAN TURMELL President & CEO 40.00 0.00 X 214261 0 60417 TIM KAMPHUIS CFO 40.00 0.00 X 158319 0 39135 VELVER FULLER Vice President 40.00 0.00 X 133477 0 31080 THANE BARDEN Chairman 1.00 0.00 X 0 0 0 KENNETH HOWE Director 1.00 0.00 X 0 0 0 DAVE KREMM Treasurer 1.00 0.00 X 0 0 0 DENNIS ZIOMKOWSKY Secretary 1.00 0.00 X 0 0 0 GORDON JELTEMA Director 1.00 0.00 X 0 0 0 JIM ONDERSMA Director 1.00 0.00 X 0 0 0 RUSS HOWER Director 1.00 0.00 X 0 0 0 506057 130632 3 false true false REDROCK 1101 40th St SE GRAND RAPIDS MI 49508 IT SERVICES 235743 PRIORITY HEALTH 1257 E BELTLINE AVE NE GRAND RAPIDS MI 49525 HEALTH INSURANCE 496558 CUANSWERS 6000 28TH ST SE GRAND RAPIDS MI 49546 DATA PROCESSING/ CORE 390415 FIS 601 RIVERSIDE DR JACKSONVILLE FL 32204 PAYMENTS PROCESSOR 639258 4 0 FEES AND CHARGES 522100 1954848 1954848 INSURANCE REVENUE 524298 27265 27265 INTERCHANGE INCOME 522100 652168 652168 LOAN INTEREST 522100 7453403 7453403 NON-MEMBER ATM FEES 525990 9252 9252 400 400 10097336 2970992 2970992 0 0 0 0 0 0 0 0 13068328 13031411 36917 0 0 0 0 636689 0 2156896 80791 487114 198147 0 68159 0 0 0 0 0 134908 1262067 450950 0 171741 63954 0 0 3088746 15770 275597 45091 PRO SERVICE 325282 LOAN SERVICING 320656 PROV CREDIT LOSSES 77260 MISC EXPENSE 76158 30660 9966636 0 0 0 821267 1006626 34659597 30995810 0 0 2064221 0 122035153 120151354 0 77706 51357 6944695 2749098 4408230 4195597 28079345 43217984 2470357 737643 0 28437 2386772 3061346 194938427 205510375 1554088 905858 148013750 154834803 149567838 155740661 X 45370589 49769714 45370589 49769714 194938427 205510375 X 3101692 1297433 X false false false 935545 935545 3538665 1075345 2463320 306010 233224 72786 2164475 1440529 723946 4195597 MEMBER SHARES 154393904 OTHER LIABILITIES 440899 154834803 X X false true false BRIAN TURMELL President & CEO 207130 7131 39959 20458 274678 TIM KAMPHUIS CFO 151045 7274 13035 26100 197454 VELVER FULLER Vice President 124203 9274 10625 20455 164557 BRIAN TURMELL CEO SDL X 500000 591029 false true true BRIAN TURMELL CEO SDL X 1280000 1473192 false true true 2064221 Form 990, Part VI, Section A, Line 6 SECTION 501C14 CREDIT UNION IS COMPOSED OF MEMBERS. Form 990, Part VI, Section A, Line 7a MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING. Form 990, Part VI, Section A, Line 7b MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP. Form 990, Part VI, Section B, Line 11b MANAGEMENT REVIEWS TAX 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 Board reviews overall credit union performance and peer to peer comparisons. Also use Salary information provided by trade associations. 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. Form 990, Part XI, Line 9 EQUITY ACQUIRED IN MERGER = $1297433