Skip to content
Nonprofiteer
← All organizations

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1418001 AUBURN HILLS, MI

Largest nonprofits in Michigan

Revenue 2024
$28,282,702
Expenses 2024
$25,989,490

As filed

Subsection
14
Classification
1000
Street
2955 UNIVERSITY DR

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

REVOLUTIONIZE THE SERVICE EXPERIENCE FULFILLING THE CHANGING NEEDS OF MEMBERS AND OUR COMMUNITIES.

Activities or mission (Part I)

WE ARE COMMITTED TO BEING A LEADING COMMUNITY-FOCUSED CREDIT UNION THAT IS THE CORNERSTONE TO HELPING MEMBERS ACHIEVE THEIR FINANCIAL GOALS.

  • SERVICE OVER $367 MILLION IN LOANS TO MEMBERS AS OF DECEMBER 31, 2024.

  • PROVIDE DEPOSIT SERVICES TO OVER 25,000 MEMBERS. MEMBERS DEPOSITS APPROXIMATED $323 MILLION AS OF DECEMBER 31, 2024.

  • ESTABLISHED 3,100 NEW MEMBERSHIPS IN 2024.

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.

  • Leo Moses

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    10
  • Chris Baker

    TREASURER

    Total calculated
    $0
    Hours/week
    5
  • Timothy McGlinchey

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    5
  • Timothy Green

    SECRETARY

    Total calculated
    $0
    Hours/week
    5
  • John Else II

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5
  • David Woodward

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5
  • Lori Ozdowy

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5
  • Jackie Macon

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5
  • Brian Beaumont

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5
  • Heidi Kassab

    PRESIDENT/CEO

    Total calculated
    $478,650
    From this org
    $437,257
    From related orgs
    $0
    Other
    $41,393
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $382,518
    Bonus
    $54,739
    Other
    $0
    Deferred
    $18,257
    Nontaxable benefits
    $23,136
    Filer's total
    $478,650
  • Jennifer Dickey

    CHIEF EXPERIENCE OFFICER

    Total calculated
    $253,496
    From this org
    $213,135
    From related orgs
    $0
    Other
    $40,361
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $198,610
    Bonus
    $14,525
    Other
    $0
    Deferred
    $39,828
    Nontaxable benefits
    $533
    Filer's total
    $253,496
  • Christopher Mangeno

    CHIEF LENDING OFFICER

    Total calculated
    $261,565
    From this org
    $197,203
    From related orgs
    $0
    Other
    $64,362
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $183,040
    Bonus
    $14,163
    Other
    $0
    Deferred
    $41,589
    Nontaxable benefits
    $22,773
    Filer's total
    $261,565
  • Robert Stier

    CFO

    Total calculated
    $190,403
    From this org
    $156,837
    From related orgs
    $0
    Other
    $33,566
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $156,837
    Bonus
    $0
    Other
    $0
    Deferred
    $10,669
    Nontaxable benefits
    $22,897
    Filer's total
    $190,403
  • Steve Flores

    CHIEF INNOVATION OFFICER

    Total calculated
    $212,909
    From this org
    $153,563
    From related orgs
    $0
    Other
    $59,346
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $145,263
    Bonus
    $8,300
    Other
    $0
    Deferred
    $38,673
    Nontaxable benefits
    $20,673
    Filer's total
    $212,909
  • Suzanne Martin

    VP OF RETAIL SALES

    Total calculated
    $200,264
    From this org
    $176,183
    From related orgs
    $0
    Other
    $24,081
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $166,944
    Bonus
    $9,239
    Other
    $0
    Deferred
    $13,379
    Nontaxable benefits
    $10,702
    Filer's total
    $200,264
  • Autumn Nanasi

    VP OF CULTURE AND TALENT

    Total calculated
    $184,500
    From this org
    $152,523
    From related orgs
    $0
    Other
    $31,977
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $144,294
    Bonus
    $8,229
    Other
    $0
    Deferred
    $29,513
    Nontaxable benefits
    $2,464
    Filer's total
    $184,500
  • David Shosey

    VP OF IT

    Total calculated
    $195,825
    From this org
    $139,938
    From related orgs
    $0
    Other
    $55,887
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $139,788
    Bonus
    $150
    Other
    $0
    Deferred
    $32,751
    Nontaxable benefits
    $23,136
    Filer's total
    $195,825
  • Gabrielle Champine

    VP OF BRAND & GROWTH

    Total calculated
    $126,842
    From this org
    $122,550
    From related orgs
    $0
    Other
    $4,292
    Hours/week
    40
  • Heather Hermes

    DIRECTOR OF LENDING & COLLECTIONS

    Total calculated
    $132,055
    From this org
    $113,564
    From related orgs
    $0
    Other
    $18,491
    Hours/week
    40
  • Christopher Degen

    LENDING MANAGER

    Total calculated
    $117,205
    From this org
    $108,824
    From related orgs
    $0
    Other
    $8,381
    Hours/week
    40
  • Alexandra Wolf Garshott

    DIRECTOR OF RETAIL

    Total calculated
    $119,152
    From this org
    $102,997
    From related orgs
    $0
    Other
    $16,155
    Hours/week
    40

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
    $28,282,702
    Expenses
    $25,989,490
    Contributions
    $0
    Grants paid
    $10,000
  • 2023
    Revenue
    $24,864,783
    Expenses
    $22,611,791
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $21,603,999
    Expenses
    $16,880,842
    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
    $18,739,193
    Expenses
    $14,499,595
    Assets (EOY)
    $371,170,169
  • 2020 · 990

    Revenue
    $16,335,314
    Expenses
    $14,442,775
    Assets (EOY)
    $328,529,665
  • 2019 · 990

    Revenue
    $16,149,680
    Expenses
    $14,650,131
    Assets (EOY)
    $288,188,015
  • 2018 · 990

    Revenue
    $14,753,782
    Expenses
    $12,712,714
    Assets (EOY)
    $284,138,924
  • 2017 · 990

    Revenue
    $13,102,216
    Expenses
    $11,183,779
    Assets (EOY)
    $269,342,427
  • 2016 · 990

    Revenue
    $13,763,979
    Expenses
    $12,486,924
    Assets (EOY)
    $272,282,111
  • 2015 · 990

    Revenue
    $15,230,939
    Expenses
    $11,741,352
    Assets (EOY)
    $262,087,430

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.

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.