Skip to content
Nonprofiteer
← All organizations

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1362849 ALPENA, MI

Browse the largest nonprofits in Michigan

Revenue 2025
$7,480,258
Expenses 2025
$6,299,806

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
1234 W CHISHOLM 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 SERVE AND PROMOTE MEMBERS' PERSONAL FINANCIAL SUCCESS AND TO CONTINUE THE CREDIT UNION PHILOSOPHY OF PEOPLE HELPING PEOPLE.

  • THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING CHECKING, SAVINGS, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/25 WAS 7,582, TOTAL NUMBER OF ACCOUNTS HELD ARE 17,459. THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING ARE 12/31/25 WAS 3,257.

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.

  • Dennis Werner

    CEO

    Total calculated
    $245,501
    From this org
    $222,143
    From related orgs
    $0
    Other
    $23,358
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $222,143
    Bonus
    not reported
    Other
    not reported
    Deferred
    $20,755
    Nontaxable benefits
    $2,603
    Filer's total
    $245,501
  • Julie Hansen

    CFO

    Total calculated
    $201,608
    From this org
    $157,552
    From related orgs
    $0
    Other
    $44,056
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $157,552
    Bonus
    not reported
    Other
    not reported
    Deferred
    $15,330
    Nontaxable benefits
    $28,726
    Filer's total
    $201,608
  • Thomas Hendricks

    Vice President

    Total calculated
    $177,601
    From this org
    $147,372
    From related orgs
    $0
    Other
    $30,229
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $147,372
    Bonus
    not reported
    Other
    not reported
    Deferred
    $15,330
    Nontaxable benefits
    $14,899
    Filer's total
    $177,601
  • Christine Curley

    COO

    Total calculated
    $122,087
    From this org
    $95,240
    From related orgs
    $0
    Other
    $26,847
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $95,240
    Bonus
    not reported
    Other
    not reported
    Deferred
    $10,517
    Nontaxable benefits
    $16,330
    Filer's total
    $122,087
  • Jon Benson

    Chairman

    Total calculated
    $0
    Hours/week
    1
  • Robert Ilsley

    Director

    Total calculated
    $0
    Hours/week
    1
  • Mary Crittenden

    Director

    Total calculated
    $0
    Hours/week
    1
  • Mark Lee

    Director

    Total calculated
    $0
    Hours/week
    1
  • William Mischley

    Secretary

    Total calculated
    $0
    Hours/week
    1
  • James Malaski

    Treasurer

    Total calculated
    $0
    Hours/week
    1
  • Andrew Lamp

    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
    $7,480,258
    Expenses
    $6,299,806
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $6,826,736
    Expenses
    $5,528,088
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $5,429,627
    Expenses
    $5,319,122
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $4,415,579
    Expenses
    $4,313,394
    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
    $4,477,208
    Expenses
    $3,670,250
    Assets (EOY)
    $158,654,438
  • 2020 · 990

    Revenue
    $4,224,932
    Expenses
    $3,563,268
    Assets (EOY)
    $143,285,850
  • 2019 · 990

    Revenue
    $4,242,783
    Expenses
    $3,228,796
    Assets (EOY)
    $123,370,577
  • 2018 · 990

    Revenue
    $3,879,019
    Expenses
    $2,874,225
    Assets (EOY)
    $121,792,993
  • 2016 · 990

    Revenue
    $3,094,330
    Expenses
    $2,529,353
    Assets (EOY)
    $121,629,676
  • 2015 · 990

    Revenue
    $3,044,577
    Expenses
    $2,462,283
    Assets (EOY)
    $117,539,163
  • 2014 · 990

    Revenue
    $3,074,331
    Expenses
    $2,335,608
    Assets (EOY)
    $114,652,260
  • 2013 · 990

    Revenue
    $3,169,384
    Expenses
    $2,356,345
    Assets (EOY)
    $113,266,039
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $2,794,248
    Assets (EOY)
    $112,576,032
  • 2011 · 990

    Revenue
    not reported
    Expenses
    $3,531,568
    Assets (EOY)
    $112,860,356

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 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.