- 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.
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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.
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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.
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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 GaravaliaMARK GARAVALIA
CHAIRPERSON
- Total calculated
- $0
- Hours/week
- 1
-
Ashley IovienoASHLEY IOVIENO
VICE CHAIRPERSON
- Total calculated
- $0
- Hours/week
- 1
-
Jerry BaremorJERRY BAREMOR
SECRETARY
- Total calculated
- $0
- Hours/week
- 1
-
Lisa DamronLISA DAMRON
TREASURER
- Total calculated
- $0
- Hours/week
- 1
-
Paul WatsonPAUL WATSON
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Frank CabreraFRANK CABRERA
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Lucy Blair HoughLUCY BLAIR HOUGH
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
William ClaybornWILLIAM CLAYBORN
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Vaughn FrentzVAUGHN FRENTZ
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Corrie RozellCORRIE 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 ZinkJULIE 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 SeavoltMELISSA 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 McKenzieJOHN 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 ScottSTEVE 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
-
$8,000
2024 MEMORIAL FUND AND MCUL FOUNDATION, ADVOCACY
-
$7,500
2025 SCHOLARSHIPS FOR FURTHER EDUCATION
-
$7,500
2025 SCHOLARSHIPS FOR FURTHER EDUCATION
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.