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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1444840 MARSHALL, MI

Browse the largest nonprofits in Michigan

Revenue 2025
$24,550,652
Expenses 2025
$19,481,075

As filed

Subsection
14
Classification
1000
Street
839 W GREEN 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

PARTNERING WITH MEMBERS FOR FINANCIAL SUCCESS THROUGH SERVICE, SOLUTIONS, AND EDUCATION.

Activities or mission (Part I)

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

  • PROVIDE 16,296 MEMBERS WITH REGULAR SHARE, CLUB SAVINGS, SHARE DRAFT, YOUTH SAVINGS, HEALTH SAVINGS ACCOUNTS, MONEY MARKET, IRA, COMMERCIAL AND CERTIFICATE OF DEPOSIT ACCOUNTS TOTALING 18,537.

  • PROVIDE 8,321 LOANS INCLUDING VEHICLE, OTHER CONSUMER, UNSECURED, MORTGAGE, HOME EQUITY, COMMERCIAL, CREDIT CARD, YOUTH AND CONSTRUCTION LOANS. SERVICE 1,596 LOANS SOLD TO THE SECONDARY MARKET.

  • OFFER INSURANCE AND FINANCIAL ADVISORY SERVICES. INSURANCE OFFERED INCLUDES AD&D, GAP, CREDIT LIFE & DISABILITY, AND MECHANICAL BREAKDOWN COVERAGE. ALSO OFFER PROPERTY & CASUALTY AND ANCILLARY INSURANCE LINES VIA MCCU INSURANCE AGENCY, LLC. FINANCIAL ADVISORY SERVICES OFFERED VIA INDEPENDENT FINANCIAL ADVISORS.

  • MISCELLANEOUS SERVICES: ATMS, MONEY ORDERS, WIRE TRANSFERS, SAFE DEPOSIT BOXES, NOTARY SERVICE, MEDALLION SIGNATURE GUARANTEES, BILL PAY, COIN COUNTERS, CU IN SCHOOL BRANCHES, MOBILE DEPOSIT, MERCHANT CARD PROCESSING, LAND CONTRACT SERVICING, FINANCIAL COUNSELING. THIS LIST IS NOT ALL-INCLUSIVE.

As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.

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.

  • Mark Garavalia

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Ashley Iovieno

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Jerry Baremor

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Lisa Damron

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Paul Watson

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Frank Cabrera

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Lucy Blair Hough

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • William Clayborn

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Vaughn Frentz

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Corrie Rozell

    CEO

    Total calculated
    $420,525
    From this org
    $380,334
    From related orgs
    $0
    Other
    $40,191
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $266,318
    Bonus
    $114,016
    Other
    $0
    Deferred
    $36,378
    Nontaxable benefits
    $3,813
    Filer's total
    $420,525
  • Julie Zink

    CFO

    Total calculated
    $182,981
    From this org
    $158,212
    From related orgs
    $0
    Other
    $24,769
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $142,618
    Bonus
    $15,594
    Other
    $0
    Deferred
    $19,818
    Nontaxable benefits
    $4,951
    Filer's total
    $182,981
  • Melissa Seavolt

    COO

    Total calculated
    $196,435
    From this org
    $171,784
    From related orgs
    $0
    Other
    $24,651
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $154,983
    Bonus
    $16,801
    Other
    $0
    Deferred
    $21,357
    Nontaxable benefits
    $3,294
    Filer's total
    $196,435
  • John McKenzie

    VP OF INFO TECH AND SECURITY

    Total calculated
    $188,011
    From this org
    $159,800
    From related orgs
    $0
    Other
    $28,211
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $144,023
    Bonus
    $15,777
    Other
    $0
    Deferred
    $20,065
    Nontaxable benefits
    $8,146
    Filer's total
    $188,011
  • Steve Scott

    VP OF IT BUSINESS SOLUTIONS

    Total calculated
    $163,281
    From this org
    $144,889
    From related orgs
    $0
    Other
    $18,392
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $131,108
    Bonus
    $13,781
    Other
    $0
    Deferred
    $7,860
    Nontaxable benefits
    $10,532
    Filer's total
    $163,281

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
    $24,550,652
    Expenses
    $19,481,075
    Contributions
    $0
    Grants paid
    $326,281
  • 2024
    Revenue
    $21,600,711
    Expenses
    $17,219,546
    Contributions
    $0
    Grants paid
    $71,068
  • 2023
    Revenue
    $16,738,081
    Expenses
    $14,198,224
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $13,400,712
    Expenses
    $11,491,605
    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
    $14,980,638
    Expenses
    $10,203,346
    Assets (EOY)
    $305,597,773
  • 2020 · 990

    Revenue
    $15,890,998
    Expenses
    $10,715,854
    Assets (EOY)
    $280,270,362
  • 2019 · 990

    Revenue
    $13,163,286
    Expenses
    $10,548,719
    Assets (EOY)
    $226,939,106
  • 2018 · 990

    Revenue
    $11,350,188
    Expenses
    $8,934,581
    Assets (EOY)
    $200,398,796
  • 2017 · 990

    Revenue
    $10,053,314
    Expenses
    $7,663,318
    Assets (EOY)
    $187,966,480
  • 2016 · 990

    Revenue
    $9,346,944
    Expenses
    $6,791,218
    Assets (EOY)
    $179,437,507
  • 2015 · 990

    Revenue
    $8,443,772
    Expenses
    $5,979,410
    Assets (EOY)
    $167,571,843
  • 2014 · 990

    Revenue
    $7,666,715
    Expenses
    $5,110,926
    Assets (EOY)
    $164,937,885
  • 2013 · 990

    Revenue
    $6,884,503
    Expenses
    $5,150,697
    Assets (EOY)
    $153,103,426
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $5,420,829
    Assets (EOY)
    $148,946,192

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

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 2025 return

  • MCCU INSURANCE AGENCY

    INSURANCE SERVICES · MI · income $13,047 · assets $55,980

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 2025, the newest we have parsed for this organization.