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CREDIT UNION CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1598795 GRAND RAPIDS, MI

Largest nonprofits in Michigan

Revenue 2024
$4,161,984
Expenses 2024
$3,810,256

As filed

Subsection
14
Classification
1000
Street
1619 PLAINFIELD AVE NE

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 · 2024

Mission

TO EXCEED EXPECTATIONS IN EVERY INTERACTION AND INSPIRE OUR NEIGHBORS TO ACHIEVE FINANCIAL STABILITY AND SUCCESS.

Activities or mission (Part I)

TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.

  • PROVIDE 5,051 MEMBERS WITH SAVINGS, SHARE DRAFT, HIGH YIELD SHARES, VACATION AND CHRISTMAS CLUB, BUSINESS AND FIDUCIARY ACCOUNTS, CERTIFICATES OF DEPOSIT, IRAS AND MONEY MARKET ACCOUNTS WITH AGGREGATE BALANCES THAT APPROXIMATED $62,700,000 AS OF DECEMBER 31, 2024.

  • PROVIDE 3,141 LOANS INCLUDING HOME EQUITY, SHARE SECURED, FIRST MORTGAGE, CREDIT CARD, UNSECURED, NEW AND USED VEHICLE, RECREATIONAL VEHICLES, AND LINE OF CREDIT. TOTAL LOAN BALANCES APPROXIMATED $43,700,000 AS OF DECEMBER 31, 2024.

  • OFFER ATM AND DEBIT CARDS, SHARED BRANCHING, MONEY ORDERS, BILL PAY, CHECK CASHING, WIRE TRANSFERS, BILINGUAL SERVICES AND INSURANCE PRODUCTS.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Jon Denhof

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Elizabeth Winninger

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Vicki Seidl

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Kristian Daniel

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Daniel Kent

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Esteban Camargo

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Al Jano

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Daniel Kendall

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Kristen Plichta

    PRESIDENT/CEO

    Total calculated
    $171,211
    From this org
    $141,597
    From related orgs
    $0
    Other
    $29,614
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $129,097
    Bonus
    $12,500
    Other
    $0
    Deferred
    $8,832
    Nontaxable benefits
    $20,782
    Filer's total
    $171,211
  • Tracy Elmorabeti

    VP OF ACCOUNTING

    Total calculated
    $113,351
    From this org
    $91,193
    From related orgs
    $0
    Other
    $22,158
    Hours/week
    45

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

  • 2024
    Revenue
    $4,161,984
    Expenses
    $3,810,256
    Contributions
    $0
    Grants paid
    $1,860
  • 2023
    Revenue
    $3,827,815
    Expenses
    $3,337,276
    Contributions
    $0
    Grants paid
    $1,905
  • 2022
    Revenue
    $3,505,118
    Expenses
    $2,944,229
    Contributions
    $0
    Grants paid
    $1,675

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
    $3,214,138
    Expenses
    $2,598,699
    Assets (EOY)
    $70,844,245
  • 2020 · 990

    Revenue
    $3,149,313
    Expenses
    $2,680,370
    Assets (EOY)
    $59,919,891
  • 2019 · 990

    Revenue
    $3,088,747
    Expenses
    $2,501,045
    Assets (EOY)
    $48,974,236
  • 2018 · 990

    Revenue
    $2,813,460
    Expenses
    $2,391,149
    Assets (EOY)
    $47,678,505
  • 2017 · 990

    Revenue
    $2,573,650
    Expenses
    $2,340,086
    Assets (EOY)
    $46,745,151
  • 2016 · 990

    Revenue
    $2,273,795
    Expenses
    $2,016,229
    Assets (EOY)
    $45,272,666
  • 2015 · 990

    Revenue
    $1,955,955
    Expenses
    $1,933,881
    Assets (EOY)
    $42,754,644
  • 2014 · 990

    Revenue
    $1,970,718
    Expenses
    $1,903,957
    Assets (EOY)
    $39,695,650
  • 2013 · 990

    Revenue
    $2,044,045
    Expenses
    $2,080,003
    Assets (EOY)
    $39,878,736
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $2,030,959
    Assets (EOY)
    $38,408,990

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 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.