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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1796409 FRANKENMUTH, MI

Revenue 2024
$103,161,140
Expenses 2024
$91,173,483

As filed

Subsection
14
Classification
1000
Street
PO BOX 209

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

PROVIDE SAFE, CONVENIENT, COST EFFECTIVE SERVICES FOR THE FINANCIAL WELL-BEING OF THE CREDIT UNION AND ITS MEMBERS. AND TO GROW TRUSTED RELATIONSHIPS BY PROVIDING PERSONALIZED FINANCIAL SOLUTIONS.

Activities or mission (Part I)

PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.

  • PROVIDE 65,513 MEMBERS WITH SHARES, CHECKING, BUSINESS SAVINGS, BUSINESS CHECKING, MONEY MARKET, VACATION CLUB, CHRISTMAS CLUB, HEALTH SAVINGS, IRA AND CERTIFICATE OF DEPOSIT ACCOUNTS TOTALING $1,069,100,683.

  • PROVIDE 52,082 SHARE SECURED, STUDENT, SIGNATURE, BUSINESS, CONSTRUCTION, REAL ESTATE, HOME EQUITY, LINE OF CREDIT, NEW AND USED VEHICLE, RECREATIONAL VEHICLE, LEASE LOANS, HOME IMPROVEMENT AND CREDIT CARD LOANS.

  • OFFER AUTOMATED TELLER MACHINES, INTERACTIVE TELLER MACHINES, DEBIT CARDS, CREDIT CARDS, SHARED BRANCHING, MONEY ORDERS, COURTESY PAY, WIRE TRANSFERS, BILL PAY, INVESTMENTS SERVICES AND VARIOUS INSURANCE PROGRAMS TO ALL ELIGIBLE MEMBERS.

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.

  • Timothy Hildner

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    3.79 + 1 related
  • Jill Catterfeld

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    0.86
  • Brian Dixon

    TREASURER

    Total calculated
    $0
    Hours/week
    1.82 + 1 related
  • Richard Reif

    SECRETARY

    Total calculated
    $0
    Hours/week
    3.05
  • Michael Fassezee

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1.63
  • Dan Lemke

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1.35
  • Scot Putzig

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.95
  • Karina Spencer

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1.32
  • Chris Frank

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.9 + 1 related
  • Vickie Schmitzer

    CEO

    Total calculated
    $928,640
    From this org
    $875,336
    From related orgs
    $0
    Other
    $53,304
    Hours/week
    54

    Schedule J breakdown matched by us

    Base
    $574,086
    Bonus
    $301,250
    Other
    $0
    Deferred
    $26,872
    Nontaxable benefits
    $26,432
    Filer's total
    $928,640
  • Donna Haubenstricker

    VP OF FINANCE

    Total calculated
    $292,914
    From this org
    $254,649
    From related orgs
    $0
    Other
    $38,265
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $216,135
    Bonus
    $38,514
    Other
    $0
    Deferred
    $12,665
    Nontaxable benefits
    $25,600
    Filer's total
    $292,914
  • Eric Neumeyer

    CEO OF MMIA

    Total calculated
    $271,076
    From this org
    $224,781
    From related orgs
    $0
    Other
    $46,295
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $201,524
    Bonus
    $23,257
    Other
    $0
    Deferred
    $9,861
    Nontaxable benefits
    $36,434
    Filer's total
    $271,076
  • Robert Robinson

    INSURANCE SALES

    Total calculated
    $370,554
    From this org
    $318,955
    From related orgs
    $0
    Other
    $51,599
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $208,450
    Bonus
    $110,505
    Other
    $0
    Deferred
    $15,896
    Nontaxable benefits
    $35,703
    Filer's total
    $370,554
  • William Watchorn

    MORTGAGE ORIGINATOR

    Total calculated
    $245,872
    From this org
    $231,056
    From related orgs
    $0
    Other
    $14,816
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $2,925
    Bonus
    $228,131
    Other
    $0
    Deferred
    $11,475
    Nontaxable benefits
    $3,341
    Filer's total
    $245,872
  • Daniel Wortman

    INSURANCE SALES

    Total calculated
    $266,565
    From this org
    $232,683
    From related orgs
    $0
    Other
    $33,882
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $179,093
    Bonus
    $53,590
    Other
    $0
    Deferred
    $10,891
    Nontaxable benefits
    $22,991
    Filer's total
    $266,565
  • Steve Witt

    INSURANCE SALES

    Total calculated
    $265,725
    From this org
    $219,669
    From related orgs
    $0
    Other
    $46,056
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $196,089
    Bonus
    $23,580
    Other
    $0
    Deferred
    $10,963
    Nontaxable benefits
    $35,093
    Filer's total
    $265,725
  • Brad Gnatkowski

    MORTGAGE ORIGINATOR

    Total calculated
    $255,965
    From this org
    $235,702
    From related orgs
    $0
    Other
    $20,263
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $1,119
    Bonus
    $234,583
    Other
    $0
    Deferred
    $9,389
    Nontaxable benefits
    $10,874
    Filer's total
    $255,965

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
    $103,161,140
    Expenses
    $91,173,483
    Contributions
    $0
    Grants paid
    $613,994
  • 2023
    Revenue
    $86,447,275
    Expenses
    $78,645,946
    Contributions
    $0
    Grants paid
    $569,548
  • 2022
    Revenue
    $70,580,613
    Expenses
    $56,921,620
    Contributions
    $0
    Grants paid
    $511,507

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
    $67,769,311
    Expenses
    $49,555,113
    Assets (EOY)
    $1,071,337,170
  • 2020 · 990

    Revenue
    $62,431,166
    Expenses
    $48,862,017
    Assets (EOY)
    $910,076,725
  • 2019 · 990

    Revenue
    $52,523,544
    Expenses
    $47,862,896
    Assets (EOY)
    $740,854,703
  • 2018 · 990

    Revenue
    $45,888,918
    Expenses
    $40,054,497
    Assets (EOY)
    $651,460,923
  • 2017 · 990

    Revenue
    $37,465,759
    Expenses
    $29,138,464
    Assets (EOY)
    $567,059,424
  • 2016 · 990

    Revenue
    $31,008,925
    Expenses
    $23,766,674
    Assets (EOY)
    $470,665,512
  • 2015 · 990

    Revenue
    $27,104,698
    Expenses
    $20,464,908
    Assets (EOY)
    $410,754,414
  • 2014 · 990

    Revenue
    $21,982,263
    Expenses
    $16,934,980
    Assets (EOY)
    $345,038,238
  • 2013 · 990

    Revenue
    $20,530,419
    Expenses
    $15,404,429
    Assets (EOY)
    $291,942,845
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $13,393,127
    Assets (EOY)
    $261,755,276

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

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.

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2024 return

  • MY MEMBER INSURANCE AGENCY

    INSURANCE SALES · MI · income -$1,598,372 · assets $4,049,515

  • UPTOWN NORTH MAIN LLC

    BANQUET HALL · MI · income $0 · assets $0

Related partnerships on its 2024 return

  • CU WEALTHNEXT LLC

    CRYPTOCURRENCY · MI · 61.38% owned · share of income -$604,262 · share of assets $11,753,658 · general or managing partner

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 29 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.