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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1709772 BUCHANAN, MI

Largest nonprofits in Michigan

Revenue 2023
$2,261,922
Expenses 2023
$1,694,667

Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Classification
1000
Street
16580 BAKERTOWN 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 · 2023

Mission

COUNTRY HERITAGE CREDIT UNION IS A STATE OF MICHIGAN CHARTERED CREDIT UNION. (SEE BELOW)

  • COUNTRY HERITAGE CREDIT UNION IS A STATE OF MICHIGAN CHARTERED CREDIT UNION. ITS OPERATIONS ARE PRINCIPALLY RELATED TO HOLDING DEPOSITS AND MAKING LOANS TO INDIVIDUALS, BUSINESS ENTITIES, AND GROUPS MEETING THE MEMBERSHIP ELIGIBILITY REQUIREMENTS OF THE CREDIT UNION.

  • COUNTRY HERITAGE CREDIT UNION IS A STATE OF MICHIGAN CHARTERED CREDIT UNION. ITS OPERATIONS ARE PRINCIPALLY RELATED TO HOLDING DEPOSITS AND MAKING LOANS TO INDIVIDUALS, BUSINESS ENTITIES, AND GROUPS MEETING THE MEMBERSHIP ELIGIBILITY REQUIREMENTS OF THE CREDIT UNION.

As filed on the 2023 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2023

As listed in Part VII of the 2023 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Richard Kading

    BOARD MEMBER

    Total calculated
    $0
  • William R Messner

    CHAIRPERSON

    Total calculated
    $0
  • Malinda Cole-Crocker

    VICE-CHAIRPE

    Total calculated
    $0
  • Janet S Kuhn

    SECRETARY/TR

    Total calculated
    $0
  • Darren Radde

    BOARD MEMBER

    Total calculated
    $0
  • Terry Holloway

    BOARD MEMBER

    Total calculated
    $0
  • Ralph L McDonald Jr

    BOARD MEMBER

    Total calculated
    $0
  • Frances K Terry

    GENERAL MGR

    Total calculated
    $134,691
    From this org
    $131,103
    From related orgs
    $0
    Other
    $3,588
    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. Earlier years are each on their own filing page.

Filings

  • 2023
    Revenue
    $2,261,922
    Expenses
    $1,694,667
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $1,733,184
    Expenses
    $1,258,921
    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
    $1,533,746
    Expenses
    $1,162,685
    Assets (EOY)
    $56,039,484
  • 2020 · 990

    Revenue
    $1,712,214
    Expenses
    $1,207,169
    Assets (EOY)
    $47,869,979
  • 2019 · 990

    Revenue
    $1,849,398
    Expenses
    $1,293,964
    Assets (EOY)
    $40,998,805
  • 2018 · 990

    Revenue
    $1,782,308
    Expenses
    $1,154,641
    Assets (EOY)
    $43,047,223
  • 2018 · 990

    Revenue
    $1,782,308
    Expenses
    $1,154,641
    Assets (EOY)
    $43,047,223
  • 2017 · 990

    Revenue
    $1,650,129
    Expenses
    $1,032,842
    Assets (EOY)
    $42,881,700
  • 2016 · 990

    Revenue
    $1,550,505
    Expenses
    $1,054,954
    Assets (EOY)
    $40,321,570
  • 2015 · 990

    Revenue
    $1,514,800
    Expenses
    $958,878
    Assets (EOY)
    $38,730,281
  • 2014 · 990

    Revenue
    $1,426,542
    Expenses
    $1,044,955
    Assets (EOY)
    $39,291,970
  • 2013 · 990

    Revenue
    $1,361,578
    Expenses
    $1,139,368
    Assets (EOY)
    $40,067,171

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 2023, the newest we have parsed for this organization.