cu profile 61619

Credit Union Name :

CU Type : Region : Peer Group :

Status : Charter State (SCU Only) : Assets :

Year Chartered : Member of Federal Home Loan Bank :

Date Insured : Low Income Designation : No. of Members :

Field of Membership Type : Certification Date:

Research Statistics Supervision and Discount (RSSD) Number :

1. Does the credit union have a website?

a. Website Address :

b. Type of website :

2. If the credit union does not have a website and plans to add one in the future

a. Type of website :

b. Implementation Date :

3. Organizational email address :

4. Does the credit union have Internet access?

5. Data Processing System used to maintain CU records :

6. How members access/perform electronic financial services

a. Home Banking via Internet Website c. Automatic Teller Machine (ATM) e. Kiosk

b. Audio Response/Phone Based d. Mobile Banking f. Other

7. Services offered electronically

a. Account Aggregation f. Electronic Signature Auth./Cert. k. Member Application p. Remote Deposit Capture

b. Account Balance Inquiry g. e-Statements l. Merchandise Purchase q. Share Account Transfers

c. Bill Payment h. External Account Transfers m. Merchant Processing Svs r. Share Draft Orders

d. Download Account History i. Internet Access Services n. New Loan s. View Account History

e. Electronic Cash j. Loan Payments o. New Share Account t. Mobile Payments

u. Other (Please Specify)

GENERAL INFORMATION

Charter Number :

INFORMATION SYSTEM AND TECHNOLOGY

The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law.

Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA.

957298

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Yes

FISCU

Non-Federal Credit Union

[email protected]

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Yes

1950

4 - $50,000,000 to less than $100,000,000

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Yes

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1

Michigan

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Vendor supplied in-house

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61619

9068

Active

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9/6/1973

4/25/2014 10:40:25 AM

No

Transactional

http://www.financialedgeccu.org

82221335

FINANCIALEDGE COMMUNITY

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Credit Union Name :

Annual Meeting, Date Last Held :

Financial Statement Audit Date :

Type of Audit Performed :

Member Account Verification Date :

Verifier Name :

Trade Names Used :

REGULATORY INFORMATION

Fidelity Bond Provider Name :

The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA.

Charter Number :

CUMIS

12/31/2013

Third Party

61619

2/4/2014

12/31/2013

Financial statement audit performed by state-licensed persons


Credit Union Name : Charter Number :

CUSO EIN : Full/Legal Name of CUSO : City : State : Wholly Owned :

Invest Accounted For : Investment in CUSO :

Services :



Services :



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Services :

CREDIT UNION SERVICE ORGANIZATION (CUSO) - (1)

List all CUSOs the credit union uses (regardless of whether the credit union has a financial interest) and all the services provided by the CUSO. If the credit union has a loan, an investment, a "controlling financial interest", the ability to exert significant influence, or owns a smaller portion of the CUSO, please provide the value of the investment in the CUSO, amount loaned to the CUSO, and the Aggregate Cash Outlay in the CUSO, as applicable. See the instructions for additional guidance. If the credit union needs additional space, please continue on a copy of this form.

Loan to CUSO : Aggregate Cash Outlay :










Consumer mortgage origination

$91,250

Cost Method

Cost Method

Rancho Cucamonga

No

$0

$0

MI

$20,000

$91,250

$0

Other

CA

$0

$20,000

Bay City

No

MI

No

61619

Livonia383548085

953732627

262689428

Electronic transaction services

Neighborhood Mortgage Solutions, LLC

CU Solutions Group, INC

CU Cooperative Systems


$0




Services :



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Services :



Services :



Services :



Services :



Services :



Services :













61619FINANCIALEDGE COMMUNITY




Services :



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Credit Union Programs - Place a "" in the associated box to all the credit union offers (Check all that apply)

a. Mortgage Processing

b. Approved Mortgage Seller g. Deposits and Shares Meeting 703.10(a) (FCU Only)

c. Borrowing Repurchase Agreements h. Brokered Certificates of Deposit

d. Brokered Deposits (all deposits acquired through a third party) i. Short-Term, Small Amount Loans (FCU Only)

e. Investment Pilot Program (FCU Only)

Member Service and Product Offerings - Place a "" in the associated box to all the credit union offers (Check all that apply)

Transactional Financial Education

a. ATM/Debit Card Program a. Financial Counseling

b. Check Cashing b. Financial Education

c. Money orders c. Financial Literacy Workshops

d. No surcharge ATMs d. First Time Homebuyer Program

e. Prepaid Debit Cards e. In-School Branches

Depository Credit

a. Business Share Accounts a. Business Loans

b. Health Savings Accounts b. Credit Builder

c. Individual Development Accounts c. Debt Cancellation/Suspension

d. No Cost Share Drafts d. Direct Financing Leases

e. Share Certificates with low minimum balance requirement e. Indirect Business Loans

Other Member Services f. Indirect Consumer Loans

a. Bilingual Services g. Indirect Mortgage Loans

b. Insurance/Investment Sales h. Interest Only or Pymt Option 1st Mortgage Loans

c. No Cost Bill Payer i. Micro Business Loans

d. No Cost Tax Preparation Services j. Micro Consumer Loans

e. Student Scholarship k. Overdraft Lines of Credit

l. Overdraft Protection/ Courtesy Pay

m. Participation Loans

n. Pay Day Loans

o. Real Estate Loans

p. Refund Anticipation Loans

q. Risk Based Loans

r. Share Secured Credit Cards

Minority Credit Union Questions

1. Does your credit union have more than 50% of its eligible potential or current members who are

Black American,Native American, Hispanic American, or Asian American? (Yes/No)

Black American Hispanic American

Native American Asian American

2. Does your credit union have more than 50% of its current management officials who are Black American,

Native American, Hispanic American, or Asian American? (Yes/No)

Black American Hispanic American

Native American Asian American


If Yes, identify the minority group(s) that apply :

If Yes, identify the minority group(s) that apply :

CREDIT UNION PROGRAMS AND MEMBER SERVICES

f. Investments not authorized by the FCU Act (State CU Only)✔

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No

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61619

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No

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Grant Information - Please provide information on any grants you have received since the last time you reported.

Date Awarded Amount Awarded Grant Type*

CREDIT UNION GRANT INFORMATION (1)

Grantor


8/29/2011

National Credit Union Foundation

Other

12/28/2011

$5,000

$10,000

61619

Not Collected

Not Collected



Grant Information - Please provide information on any grants you have received since the last time you reported.

Date Awarded Amount Awarded Grant Type*

CREDIT UNION GRANT INFORMATION (2)

Grantor




Sal. First Name MI Last Name


CONTACTS

Job Title(s)

Keipert

Ms.

Ms.

Ms.

Condon

Board MemberBeisel

Vice Chairperson

Mrs.

Board MemberMrs.

Mr.

Board Secretary, Board Treasurer

Jean

Mrs.

Jon

William

Jill

Norma

Judy

Gary

Michelle

Jeremy

Kay

Raymond

Coberley

Felker

L

Wagner

Chairperson

Supervisory Committee Member

Board Member, Supervisory Committee Chairperson

Rosebush

Manager or CEO

Keipert Board Member

Mr.

Board Member


Mr.

Supervisory Committee MemberDarla

Ms.

Richardson

Morrisette

Toth

(1)

Morse

Board Member

Mr.

61619

Mr.


Site Name : Line 1 : Line 1 :

Site Type :

Operational Status : Main Office : Line 2 : Line 2 :

Phone Number : Ext. :

Hours of Operation : City : City :

County : County :

State : Zip : State : Zip :

Country : Country :


Site Type :




County : County :


Country : Country :


Site Type :




County : County :


Country : Country :


Site Type :




County : County :


Country : Country :

SITES

Physical Address Mailing Address


(989) 892-6088

48707

Thursdays Lobby 9am - 3pm

Michigan

United States

(989) 892-6088

Michigan

48706

Lobby - M-F 9:00 am - 5:00 pm

Drive Thru - M-F 8:00 am - 6:00 pm & Saturday 9:00 am -12:30 pm

Euclid Office

Yes

PO Box 446

Do $ave Office

(1)

Bay

Bay

Bay

Sherman Office

No

48708

United States

Bay City

4870748732

Lobby - M-F 9:00 am - 5:00 pm

Drive Thru - M-F 8:00 am - 6:00 pm & Saturday 9:00 am -12:30 pm

Bay

PO Box 446

(989) 892-6088

48707Michigan


No

Branch Office

Michigan

Bay

Michigan

Po Box 446

Bay

United StatesUnited States

Corporate Office

Bay City

United States

Branch Office

United States

Essexville

1199 S Euclid Ave

1465 W Center Rd

1304 N Sherman St

Bay City

Bay City

Michigan

61619

Bay City

cu profile 61619

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