2025-10-03T08:27:56-07:00 2024-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2024-01-01 381395220 CREDIT UNIONS CHARTERED IN THE STATE OF MI DBA FINANCIALEDGE CREDIT UNION CRED 9898926088 1199 S EUCLID AVE BAY CITY MI 48706 JEREMY COBERLEY CEO 2025-10-03 true true Donald E Lingerfelt P00339004 8005225820 2024 2025-03-06 01:10:19Z X X JEREMY COBERLEY 1199 S EUCLID AVE BAY CITY MI 48706 8509154 false X https://www.finedgecu.org/ X 1950 MI TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND. 7 7 40 11 21659 0 5972299 6642308 1328136 1775071 -4225 7300435 8413154 0 0 2472371 2616788 0 0 3348131 4267950 5820502 6884738 1479933 1528416 122192163 128431019 108092975 112435147 14099188 15995872 TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND. false false THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS. THE TOTAL NUMBER OF MEMBERS AT 12/31/24 WAS 8,806. THE TOTAL NUMBER OF MEMBER ACCOUNTS WAS 19,028. THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS . THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/24 WAS 5,631. 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 2059 0 true 40 true true true false false false false false false false X 7 7 false false false false true true true false false false true true false false false false false true false X JEREMY COBERLEY 9898926088 1199 S EUCLID AVE BAY CITY MI 48706 JEREMY COBERLEY CEO 45.00 0.00 X 262254 0 57761 LYNNE ZANOTTI Vice President 45.00 0.00 X 125391 0 27241 JIM BIERLEIN Vice President 45.00 0.00 X 124157 0 23571 SHAWN ASHLEY CTO 40.00 0.00 108180 0 25976 WILLIAM KEIPERT Treasurer 1.00 0.00 X 0 0 0 JILL BEISEL Director 1.00 0.00 X 0 0 0 NORMA FELKER Chairman 1.00 0.00 X 0 0 0 JUDY SKORNIA Director 1.00 0.00 X 0 0 0 JON MORSE Director 1.00 0.00 X 0 0 0 JENNIFER DELORGE Director 1.00 0.00 X 0 0 0 ROBERT PIERCE JR Director 1.00 0.00 X 0 0 0 619982 134549 4 true true false CU Cooperative Systems LLC 4950 Amon Carter Blvd FORT WORTH TX 76155 PLASTIC CARD PROCESSING 501477 SHARE ONE INC 1790 KIRBY PARKWAY STE 200 MEMPIS TN 38138 DATA PROCESSING 177363 BAY CITY TREASURER 301 WASHINGTON AVE BAY CITY MI 48708 LOCAL MUNICIPAL 116029 TRUSTAGE 5910 MINERAL POINT RD MADISON WI 53701 INSURANCE 137192 LAMACCHIA GROUP 157 MILWAUKEE ST MILWAUKEE WI 53202 CONTRACTOR /DESIGN 153372 6 0 FEES AND OTHER INCOME 522100 2009506 2000181 9325 INSURANCE SALES 524298 12334 12334 INTEREST ON LOANS 522100 4620468 4620468 6642308 1553724 1553724 0 0 0 317347 96000 221347 221347 221347 0 0 0 SALE OF REPO ITEMS -4225 -4225 -4225 8413154 8391495 21659 0 0 0 0 620375 0 1524860 117591 204385 149577 0 0 0 0 0 0 0 311003 1035631 323417 0 220483 97422 0 0 1185425 24676 213898 55324 LOAN SERVICING EXPENSE 306758 CREDIT LOSS EXPENSE 262775 PRO SERVICES 178728 MISC 33349 19061 6884738 0 0 0 647512 1059485 23715053 34242742 0 0 0 0 77359155 78693852 0 239353 271821 6514435 3105491 2759986 3408944 10017868 4345396 5774621 3215555 0 0 1678615 3193224 122192163 128431019 791780 856688 107301195 111578459 108092975 112435147 X 14099188 15995872 14099188 15995872 122192163 128431019 1528416 368268 X false true X false false 319039 319039 3802082 1684298 2117784 146926 146926 2246388 1274267 972121 3408944 MEMBER SHARES 111556558 OTHER LIABILITIES 21901 111578459 false false false JEREMY COBERLEY CEO 221464 37090 3700 40994 16767 320015 LYNNE ZANOTTI Vice President 114847 9344 1200 16414 10827 152632 SHAWN ASHLEY CTO 98021 9143 1016 16563 9413 134156 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 BYLAWS 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 OF DIRECTORS REVIEWS FILED TAX RETURN AT NEXT SCHEDULED MEETING. Form 990, Part VI, Section B, Line 12c EMPLOYEE LOANS INCLUDING MANAGEMENT AND THE BOARD ARE APPROVED BY A BOARD APPOINTED CREDIT COMMITTEE. Form 990, Part VI, Section B, Line 15b PRESIDENT/CEO SALARY IS BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE VOLUNTEERS ARE NOT COMPENSATED. PRESIDENT/CEO REVIEWS AND APPROVES EMPLOYEE SALARIES. 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 ACCESIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE FORM 5300 CALL REPORT ARE AVAILABLE AT NCUA.GOV FOR ALL FEDRALLY INSURED CREDIT UNIONS. Amendment Attach Form 8925