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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1504660 CADILLAC, MI

Largest nonprofits in Michigan

Revenue 2025
$5,157,115
Expenses 2025
$5,353,797

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
1015 WILCOX 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

TO PROVIDE QUALITY FINANCIAL SERVICES AT FAIR RATES AND TERMS TO MEET OUT MEMBERS' NEEDS. WE STRIVE TOWARD EXCELLENCE AND ACHIEVEMENT THROUGH SERVICE TO OUR MEMBERS.

  • PROVIDE 8,124 MEMBERS WITH REGULAR SHARES, MONEY MARKET, SHARE DRAFT, IRA, AND CERTIFICATE OF DEPOSIT ACCOUNTS AS OF DECEMBER 31, 2025.

  • PROVIDE 11,620 LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, HOME EQUITY, AND CREDIT CAR LOANS, AS OF DECEMBER 31, 2025.

  • OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELLERS CHECKS, BILL PAY, OVERDRAFT/COURTESY PAY AND VARIOUS INSURANCE PROGRAMS.

As filed on the 2025 return.

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.

  • Julie Rushing

    CEO

    Total calculated
    $223,918
    From this org
    $171,431
    From related orgs
    $0
    Other
    $52,487
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $162,585
    Bonus
    $1,936
    Other
    $6,910
    Deferred
    $24,878
    Nontaxable benefits
    $27,609
    Filer's total
    $223,918
  • Levon Garbooshian

    CFO

    Total calculated
    $192,367
    From this org
    $138,684
    From related orgs
    $0
    Other
    $53,683
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $136,831
    Bonus
    $1,800
    Other
    $53
    Deferred
    $28,378
    Nontaxable benefits
    $25,305
    Filer's total
    $192,367
  • Shani Perry

    COO

    Total calculated
    $58,703
    From this org
    $43,918
    From related orgs
    $0
    Other
    $14,785
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $43,918
    Bonus
    not reported
    Other
    not reported
    Deferred
    $4,468
    Nontaxable benefits
    $10,317
    Filer's total
    $58,703
  • Margaret Elmore

    Chairman

    Total calculated
    $0
    Hours/week
    1
  • Richard Giddens

    Director

    Total calculated
    $0
    Hours/week
    1
  • Eric Gildner

    Secretary

    Total calculated
    $0
    Hours/week
    1
  • Loretta Olsen

    Director

    Total calculated
    $0
    Hours/week
    1
  • Carl Ouwinga

    Director

    Total calculated
    $0
    Hours/week
    1
  • Harold Meeuwes

    Director

    Total calculated
    $0
    Hours/week
    1
  • Margo Copley

    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

  • 2025
    Revenue
    $5,157,115
    Expenses
    $5,353,797
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $5,061,616
    Expenses
    $4,851,353
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $4,646,021
    Expenses
    $4,225,887
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $5,024,075
    Expenses
    $3,719,833
    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
    $3,878,905
    Expenses
    $3,114,388
    Assets (EOY)
    $82,520,969
  • 2020 · 990

    Revenue
    $3,537,439
    Expenses
    $3,237,462
    Assets (EOY)
    $73,860,593
  • 2019 · 990

    Revenue
    $3,372,172
    Expenses
    $3,085,502
    Assets (EOY)
    $57,502,133
  • 2018 · 990

    Revenue
    $3,224,572
    Expenses
    $3,031,968
    Assets (EOY)
    $56,490,487
  • 2017 · 990

    Revenue
    $2,751,559
    Expenses
    $2,579,482
    Assets (EOY)
    $54,979,109
  • 2016 · 990

    Revenue
    $2,624,764
    Expenses
    $2,262,100
    Assets (EOY)
    $51,026,647
  • 2015 · 990

    Revenue
    $2,417,933
    Expenses
    $2,026,852
    Assets (EOY)
    $50,081,200
  • 2014 · 990

    Revenue
    $2,311,924
    Expenses
    $2,165,104
    Assets (EOY)
    $46,241,575
  • 2013 · 990

    Revenue
    $2,246,322
    Expenses
    $2,362,155
    Assets (EOY)
    $45,203,718
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $2,174,734
    Assets (EOY)
    $44,007,019

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 2025, the newest we have parsed for this organization.