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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1440283 GRAND BLANC, MI

Browse the largest nonprofits in Michigan

Revenue 2025
$168,769,942
Expenses 2025
$156,314,785

As filed

Subsection
14
Classification
1000
Street
9048 HOLLY RD

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN (EIN 38-6092097). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Mission and programs · 2025

Mission

OPENING DOORS TO OUR MEMBERS BY PROVIDING QUALITY FINANICAL SERVICES.

Activities or mission (Part I)

PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS.

  • PROVIDE 119,583 MEMBERS WITH REGULAR SHARES, SHARE DRAFT, CERTIFICATES OF DEPOSIT, AND IRA ACCOUNTS TOTALING $2,035,162,204.

  • PROVIDE 96,188 LOANS INCLUDING VEHICLE, CREDIT CARD, HOME EQUITY, BUSINESS, PERSONAL, BOAT, MOTORCYCLE, AND MORTGAGES.

  • OFFICER AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, CHECK CASHING, TRAVELERS CHECKS, OVERDRAFT PROTECTION/COURTESY PAY, BILL PAY, AND VARIOUS INSURANCE AND INVESTMENT PROGRAMS.

As filed on the 2025 return.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Wayne Natzke

    CHAIRMAN OF THE BOARD

    Total calculated
    $0
    Hours/week
    5

  • Dana Stoddard

    FIRST VICE CHAIR

    Total calculated
    $0
    Hours/week
    5

  • Douglas Kidd

    SECOND VICE CHAIR

    Total calculated
    $0
    Hours/week
    5

  • Diane Piercy

    SECRETARY

    Total calculated
    $0
    Hours/week
    5

  • Jeff Sells

    TREASURER

    Total calculated
    $0
    Hours/week
    5

  • Bruce Allan

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5

  • Beverly Kittle

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5

  • Rachel Baldwin

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5

  • Brad Willett

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5

  • Brian Waldron

    PRESIDENT/CEO

    Total calculated
    $1,149,506
    From this org
    $1,094,329
    From related orgs
    $0
    Other
    $55,177
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $643,130
    Bonus
    $451,199
    Other
    $0
    Deferred
    $35,064
    Nontaxable benefits
    $20,113
    Filer's total
    $1,149,506

  • Jeremy Zager

    CHIEF FINANCIAL OFFICER

    Total calculated
    $410,649
    From this org
    $358,104
    From related orgs
    $0
    Other
    $52,545
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $328,062
    Bonus
    $30,042
    Other
    $0
    Deferred
    $33,727
    Nontaxable benefits
    $18,818
    Filer's total
    $410,649

  • Edward Sterling

    EVP, FLORIDA MARKET

    Total calculated
    $420,855
    From this org
    $370,454
    From related orgs
    $0
    Other
    $50,401
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $333,569
    Bonus
    $36,885
    Other
    $0
    Deferred
    $34,360
    Nontaxable benefits
    $16,041
    Filer's total
    $420,855

  • Sharon Lobo

    EVP, MEMBER EXPERIENCE

    Total calculated
    $403,090
    From this org
    $353,429
    From related orgs
    $0
    Other
    $49,661
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $327,200
    Bonus
    $26,229
    Other
    $0
    Deferred
    $33,620
    Nontaxable benefits
    $16,041
    Filer's total
    $403,090

  • Deana Turcott

    EVP, ADMINISTRATION

    Total calculated
    $390,124
    From this org
    $344,001
    From related orgs
    $0
    Other
    $46,123
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $319,364
    Bonus
    $24,637
    Other
    $0
    Deferred
    $27,305
    Nontaxable benefits
    $18,818
    Filer's total
    $390,124

  • Michael Anderson

    CHIEF INFORMATION SYSTEMS OFFICER

    Total calculated
    $339,014
    From this org
    $295,106
    From related orgs
    $0
    Other
    $43,908
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $267,212
    Bonus
    $27,894
    Other
    $0
    Deferred
    $25,090
    Nontaxable benefits
    $18,818
    Filer's total
    $339,014

  • Daniel Gatfield

    CHIEF RETAIL OFFICER

    Total calculated
    $281,895
    From this org
    $251,335
    From related orgs
    $0
    Other
    $30,560
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $222,743
    Bonus
    $28,592
    Other
    $0
    Deferred
    $11,828
    Nontaxable benefits
    $18,732
    Filer's total
    $281,895

  • Adam Koishor

    CHIEF STRATEGY OFFICER

    Total calculated
    $286,076
    From this org
    $243,940
    From related orgs
    $0
    Other
    $42,136
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $226,778
    Bonus
    $17,162
    Other
    $0
    Deferred
    $23,381
    Nontaxable benefits
    $18,755
    Filer's total
    $286,076

  • Jose Cano

    VP OF COMMERCIAL LENDING

    Total calculated
    $318,378
    From this org
    $281,348
    From related orgs
    $0
    Other
    $37,030
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $249,445
    Bonus
    $31,903
    Other
    $0
    Deferred
    $25,718
    Nontaxable benefits
    $11,312
    Filer's total
    $318,378

  • Derek Drake

    VP OF ENTERPRISE RISK MANAGEMENT

    Total calculated
    $271,235
    From this org
    $236,445
    From related orgs
    $0
    Other
    $34,790
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $217,740
    Bonus
    $18,705
    Other
    $0
    Deferred
    $16,231
    Nontaxable benefits
    $18,559
    Filer's total
    $271,235

  • Drew Goodrich

    INVESTMENT ADVISOR

    Total calculated
    $254,387
    From this org
    $216,636
    From related orgs
    $0
    Other
    $37,751
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $50,391
    Bonus
    $166,245
    Other
    $0
    Deferred
    $20,600
    Nontaxable benefits
    $17,151
    Filer's total
    $254,387

  • Anna Morris

    REGIONAL BRANCH OPERATIONS MANAGER

    Total calculated
    $231,121
    From this org
    $198,103
    From related orgs
    $0
    Other
    $33,018
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $177,676
    Bonus
    $20,427
    Other
    $0
    Deferred
    $18,319
    Nontaxable benefits
    $14,699
    Filer's total
    $231,121

  • Kevin Caragay

    COMMERCIAL LENDING MANAGER

    Total calculated
    $229,677
    From this org
    $193,286
    From related orgs
    $0
    Other
    $36,391
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $174,082
    Bonus
    $19,204
    Other
    $0
    Deferred
    $17,948
    Nontaxable benefits
    $18,443
    Filer's total
    $229,677

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2025
    Revenue
    $168,769,942
    Expenses
    $156,314,785
    Contributions
    $0
    Grants paid
    $590,059
  • 2024
    Revenue
    $156,681,814
    Expenses
    $143,813,921
    Contributions
    $0
    Grants paid
    $446,427
  • 2023
    Revenue
    $107,618,264
    Expenses
    $96,285,983
    Contributions
    $0
    Grants paid
    $179,814
  • 2022
    Revenue
    $82,148,923
    Expenses
    $62,306,924
    Contributions
    $0
    Grants paid
    $75,355

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $72,954,813
    Expenses
    $55,882,971
    Assets (EOY)
    $1,382,283,793

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

The 10 largest by cash amount. The API serves every itemized grant.

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Other IRS files

Auto-Revocation List

  • Exemption revoked 15 May 2021.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.