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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1395700 BAY CITY, MI

Browse the largest nonprofits in Michigan

Revenue 2025
$17,793,412
Expenses 2025
$16,562,439

As filed

Subsection
14
Classification
1000
Street
1309 N LINCOLN ST

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

PROVIDING OUR MEMBERS THE RESOURCES TO DEVELOP STRONG FINANCIAL ROOTS.

Activities or mission (Part I)

PROVIDE SERVICE TO OUR MEMBERS

  • SERVED APPROXIMATELY 18,870 MEMBERS BY OFFERING LOANS, DEPOSITS, AND VARIOUS OTHER FINANCIAL SOLUTIONS TO ENSURE FINANCIAL SUCCESS TO OUR MEMBERSHIP.

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.

  • Christine Houle

    BOARD CHAIR

    Total calculated
    $0
    Hours/week
    1
  • Dennis Geno

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Donald Goulet

    VICE CHAIR

    Total calculated
    $0
    Hours/week
    1
  • Kelly Johnson

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Dave Ventorne

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Davene Ivey

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Louie Roth

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Diane Abbonizio

    CEO

    Total calculated
    $373,344
    From this org
    $311,585
    From related orgs
    $0
    Other
    $61,759
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $299,085
    Bonus
    $12,500
    Other
    $0
    Deferred
    $41,483
    Nontaxable benefits
    $20,276
    Filer's total
    $373,344
  • Doug Kelley

    CFO

    Total calculated
    $245,402
    From this org
    $184,318
    From related orgs
    $0
    Other
    $61,084
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $179,318
    Bonus
    $5,000
    Other
    $0
    Deferred
    $35,957
    Nontaxable benefits
    $25,127
    Filer's total
    $245,402
  • Leslie Webb

    SVP PEOPLE & STRATEGY

    Total calculated
    $181,394
    From this org
    $138,322
    From related orgs
    $0
    Other
    $43,072
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $133,322
    Bonus
    $5,000
    Other
    $0
    Deferred
    $17,961
    Nontaxable benefits
    $25,111
    Filer's total
    $181,394
  • Tanner Layle

    SVP INNOVATION & TECHNOLOGY

    Total calculated
    $165,453
    From this org
    $119,937
    From related orgs
    $0
    Other
    $45,516
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $114,937
    Bonus
    $5,000
    Other
    $0
    Deferred
    $20,389
    Nontaxable benefits
    $25,127
    Filer's total
    $165,453
  • Terry Luptowski

    VP LENDING

    Total calculated
    $144,926
    From this org
    $110,769
    From related orgs
    $0
    Other
    $34,157
    Hours/week
    60

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
    $17,793,412
    Expenses
    $16,562,439
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $15,781,188
    Expenses
    $15,584,211
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $13,825,729
    Expenses
    $13,864,519
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $11,618,988
    Expenses
    $11,560,753
    Contributions
    $0
    Grants paid
    $0

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
    $10,170,296
    Expenses
    $8,821,798
    Assets (EOY)
    $253,810,189
  • 2020 · 990

    Revenue
    $9,874,801
    Expenses
    $8,354,710
    Assets (EOY)
    $222,799,625
  • 2019 · 990

    Revenue
    $9,697,730
    Expenses
    $8,252,712
    Assets (EOY)
    $194,547,838
  • 2018 · 990

    Revenue
    $9,498,998
    Expenses
    $7,998,955
    Assets (EOY)
    $189,721,310
  • 2017 · 990

    Revenue
    $8,837,938
    Expenses
    $8,345,409
    Assets (EOY)
    $192,129,122
  • 2016 · 990

    Revenue
    $8,492,931
    Expenses
    $7,832,023
    Assets (EOY)
    $188,452,351
  • 2015 · 990

    Revenue
    $8,086,006
    Expenses
    $7,673,487
    Assets (EOY)
    $187,250,094
  • 2014 · 990

    Revenue
    $7,784,990
    Expenses
    $7,312,518
    Assets (EOY)
    $182,743,863
  • 2013 · 990

    Revenue
    $8,850,457
    Expenses
    $10,184,040
    Assets (EOY)
    $183,197,875
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $9,676,216
    Assets (EOY)
    $189,002,761

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. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

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

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

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.