Skip to content
Nonprofiteer
← All organizations

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-0855535 GRAND RAPIDS, MI

Largest nonprofits in Michigan

Revenue 2024
$27,097,467
Expenses 2024
$25,444,419

As filed

Subsection
14
Classification
1000
Street
630 32ND SE 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 · 2024

Mission

TO PROVIDE FINANCIAL SERVICES WHILE TREATING MEMBERS WITH DIGNITY AND RESPECT, ACTING AS A GOOD STEWARD OF OUR MEMBERS' ASSETS, VALUING OUR EMPLOYEES AND VOLUNTEERS, MAINTAINING HIGH LEVELS OF INTEGRITY IN EVERYTHING WE DO, AND BEING A LEADER IN COMMUNITY OUTREACH AND BUILDING COMMUNITY RELATIONSHIPS.

Activities or mission (Part I)

ADVENTURE CREDIT UNION'S PRIMARY EXEMPT PURPOSE IS TO PROVIDE A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS MEMBERS INCLUDE INDIVIDUALS WHO LIVE OR WORK IN THE STATE OF MICHIGAN.

  • ADVENTURE CREDIT UNION SERVED AND CONTINUES TO SERVE THE FINANCIAL NEEDS OF 30,660 MEMBERS BY OFFERING LOANS, DEPOSITS AND VARIOUS OTHER FINANCIAL PRODUCTS.

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

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.

  • Pete Winninger

    BOARD CHAIRMAN

    Total calculated
    $0
    Hours/week
    1
  • Anthony Arizola

    BOARD VICE CHAIRMAN

    Total calculated
    $0
    Hours/week
    1
  • Michael Kutas

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Shari Waldvogel

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Dave Ferguson

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Dave Kidd

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Patricia Andrews

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Charlie Breneman

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Amanda Garabedian

    CHIEF EXECUTIVE OFFICER

    Total calculated
    $360,146
    From this org
    $331,920
    From related orgs
    $0
    Other
    $28,226
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $285,352
    Bonus
    $33,936
    Other
    $12,632
    Deferred
    $6,958
    Nontaxable benefits
    $21,268
    Filer's total
    $360,146
  • Jerome Maue

    CHIEF FINANCIAL OFFICER

    Total calculated
    $244,037
    From this org
    $228,408
    From related orgs
    $0
    Other
    $15,629
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $204,283
    Bonus
    $23,385
    Other
    $740
    Deferred
    $0
    Nontaxable benefits
    $15,629
    Filer's total
    $244,037
  • Lisa Posthumus

    CHIEF LENDING OFFICER

    Total calculated
    $230,342
    From this org
    $209,033
    From related orgs
    $0
    Other
    $21,309
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $189,456
    Bonus
    $19,577
    Other
    $0
    Deferred
    $5,855
    Nontaxable benefits
    $15,454
    Filer's total
    $230,342
  • Timothy Logan

    SVP OF IT

    Total calculated
    $160,992
    From this org
    $138,295
    From related orgs
    $0
    Other
    $22,697
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $124,298
    Bonus
    $13,997
    Other
    $0
    Deferred
    $4,083
    Nontaxable benefits
    $18,614
    Filer's total
    $160,992
  • Megan Anthony

    SVP OF HR

    Total calculated
    $156,264
    From this org
    $137,264
    From related orgs
    $0
    Other
    $19,000
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $123,267
    Bonus
    $13,997
    Other
    $0
    Deferred
    $4,110
    Nontaxable benefits
    $14,890
    Filer's total
    $156,264
  • Shanna Schneider

    VP OF OPERATIONS

    Total calculated
    $145,674
    From this org
    $138,082
    From related orgs
    $0
    Other
    $7,592
    Hours/week
    40
  • Veronica Hosford

    VP OF LENDING

    Total calculated
    $136,381
    From this org
    $119,476
    From related orgs
    $0
    Other
    $16,905
    Hours/week
    40
  • James Bird

    ARIS FINANCIAL MANAGER

    Total calculated
    $237,967
    From this org
    $227,179
    From related orgs
    $0
    Other
    $10,788
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $88,747
    Bonus
    $13,083
    Other
    $125,349
    Deferred
    $6,464
    Nontaxable benefits
    $4,324
    Filer's total
    $237,967

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
    $27,097,467
    Expenses
    $25,444,419
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $25,011,714
    Expenses
    $22,514,647
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $22,480,279
    Expenses
    $20,093,597
    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
    $20,782,924
    Expenses
    $17,839,648
    Assets (EOY)
    $438,784,059
  • 2020 · 990

    Revenue
    $20,672,643
    Expenses
    $17,450,796
    Assets (EOY)
    $415,888,601
  • 2019 · 990

    Revenue
    $20,373,514
    Expenses
    $17,812,756
    Assets (EOY)
    $357,563,327
  • 2018 · 990

    Revenue
    $20,014,989
    Expenses
    $19,148,402
    Assets (EOY)
    $373,557,111
  • 2017 · 990

    Revenue
    $19,341,957
    Expenses
    $19,127,778
    Assets (EOY)
    $385,710,905
  • 2015 · 990

    Revenue
    $15,657,683
    Expenses
    $13,819,750
    Assets (EOY)
    $290,045,949
  • 2014 · 990

    Revenue
    $15,562,051
    Expenses
    $13,421,699
    Assets (EOY)
    $276,044,059
  • 2013 · 990

    Revenue
    $15,496,078
    Expenses
    $13,672,456
    Assets (EOY)
    $268,937,148
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $14,234,605
    Assets (EOY)
    $266,470,798
  • 2011 · 990

    Revenue
    not reported
    Expenses
    $14,840,123
    Assets (EOY)
    $266,763,062

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 2024, the newest we have parsed for this organization.