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CREDIT UNIONS CHARTERED IN THE ST OF MICHIGAN DBA UP ST CREDIT UNION

EIN 38-1735283 ESCANABA, MI

Largest nonprofits in Michigan

Revenue 2024
$12,156,007
Expenses 2024
$8,764,670

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
123 S LINCOLN 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 · 2024

Mission

U.P. STATE CREDIT UNION IS COMMITTED TO EXCELLANCE IN PROVIDING PROGRESSIVE FINANCIAL SERVICES TO ITS MEMBERSHIP, MEMBER-OWNED, MEMBER-DRIVEN, WE WILL BE TRUSTED AND CHOSEN AS THE PREFERRED FINANCIAL INSTITUTION.

  • THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2024 WAS 15,259.

  • THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2024 WAS 9,235.

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.

  • Raymond J Theoret

    CEO

    Total calculated
    $255,907
    From this org
    $201,382
    From related orgs
    $0
    Other
    $54,525
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $181,126
    Bonus
    $12,256
    Other
    $8,000
    Deferred
    $20,138
    Nontaxable benefits
    $34,387
    Filer's total
    $255,907
  • Darcy McLean

    COO

    Total calculated
    $192,623
    From this org
    $160,051
    From related orgs
    $0
    Other
    $32,572
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $143,104
    Bonus
    $10,575
    Other
    $6,372
    Deferred
    $16,005
    Nontaxable benefits
    $16,567
    Filer's total
    $192,623
  • Dan Litzner

    Vice President

    Total calculated
    $142,266
    From this org
    $119,015
    From related orgs
    $0
    Other
    $23,251
    Hours/week
    40
  • Howard Haulotte

    Chairman

    Total calculated
    $0
    Hours/week
    1
  • Michael Lilliquist

    Director

    Total calculated
    $0
    Hours/week
    1
  • Joe Nolan

    Treasurer

    Total calculated
    $0
    Hours/week
    1
  • Suzette Olson

    Director

    Total calculated
    $0
    Hours/week
    1
  • Gary Titus

    Director

    Total calculated
    $0
    Hours/week
    1
  • Judy Schroeder

    Director

    Total calculated
    $0
    Hours/week
    1
  • Tamie Cunningham

    Director

    Total calculated
    $0
    Hours/week
    1
  • Cheryl Bouche

    Secretary

    Total calculated
    $0
    Hours/week
    1
  • Donald Charlevoix

    Director

    Total calculated
    $0
    Hours/week
    1
  • Kali Perron

    Director

    Total calculated
    $0
    Hours/week
    1
  • Judith Walsh

    Director

    Total calculated
    $0
    Hours/week
    1

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
    $12,156,007
    Expenses
    $8,764,670
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $7,471,309
    Expenses
    $5,480,516
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $5,710,994
    Expenses
    $4,590,742
    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
    $4,511,446
    Expenses
    $3,951,373
    Assets (EOY)
    $113,384,334
  • 2020 · 990

    Revenue
    $4,360,132
    Expenses
    $4,030,766
    Assets (EOY)
    $97,970,751
  • 2019 · 990

    Revenue
    $4,353,833
    Expenses
    $3,942,796
    Assets (EOY)
    $80,134,152
  • 2018 · 990

    Revenue
    $4,246,725
    Expenses
    $3,845,229
    Assets (EOY)
    $76,899,842
  • 2017 · 990

    Revenue
    $4,090,280
    Expenses
    $3,701,518
    Assets (EOY)
    $75,245,315
  • 2016 · 990

    Revenue
    $3,942,926
    Expenses
    $3,441,094
    Assets (EOY)
    $72,014,713
  • 2015 · 990

    Revenue
    $3,344,460
    Expenses
    $2,987,924
    Assets (EOY)
    $64,952,057
  • 2014 · 990

    Revenue
    $2,708,391
    Expenses
    $2,459,950
    Assets (EOY)
    $50,254,569
  • 2013 · 990

    Revenue
    $2,637,992
    Expenses
    $2,635,195
    Assets (EOY)
    $45,065,263
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $2,247,467
    Assets (EOY)
    $43,771,112

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.