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AAC CREDIT UNION

EIN 38-0299643 GRAND RAPIDS, MI

Largest nonprofits in Michigan

Revenue 2025
$13,068,328
Expenses 2025
$9,966,636

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
177 WILSON AVE NW

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

PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS

  • THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/25 WAS 14,960.

  • THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/25 WAS 7,714.

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.

  • Brian Turmell

    President & CEO

    Total calculated
    $274,678
    From this org
    $214,261
    From related orgs
    $0
    Other
    $60,417
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $207,130
    Bonus
    $7,131
    Other
    not reported
    Deferred
    $39,959
    Nontaxable benefits
    $20,458
    Filer's total
    $274,678
  • Tim Kamphuis

    CFO

    Total calculated
    $197,454
    From this org
    $158,319
    From related orgs
    $0
    Other
    $39,135
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $151,045
    Bonus
    $7,274
    Other
    not reported
    Deferred
    $13,035
    Nontaxable benefits
    $26,100
    Filer's total
    $197,454
  • Velver Fuller

    Vice President

    Total calculated
    $164,557
    From this org
    $133,477
    From related orgs
    $0
    Other
    $31,080
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $124,203
    Bonus
    $9,274
    Other
    not reported
    Deferred
    $10,625
    Nontaxable benefits
    $20,455
    Filer's total
    $164,557
  • Thane Barden

    Chairman

    Total calculated
    $0
    Hours/week
    1
  • Kenneth Howe

    Director

    Total calculated
    $0
    Hours/week
    1
  • Dave Kremm

    Treasurer

    Total calculated
    $0
    Hours/week
    1
  • Dennis Ziomkowsky

    Secretary

    Total calculated
    $0
    Hours/week
    1
  • Gordon Jeltema

    Director

    Total calculated
    $0
    Hours/week
    1
  • Jim Ondersma

    Director

    Total calculated
    $0
    Hours/week
    1
  • Russ Hower

    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
    $13,068,328
    Expenses
    $9,966,636
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $11,850,103
    Expenses
    $9,587,223
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $11,850,103
    Expenses
    $9,587,223
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $10,677,080
    Expenses
    $8,233,081
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $9,335,279
    Expenses
    $6,323,874
    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
    $9,555,157
    Expenses
    $6,276,279
    Assets (EOY)
    $192,355,724
  • 2020 · 990

    Revenue
    $10,495,902
    Expenses
    $7,049,435
    Assets (EOY)
    $181,020,522
  • 2019 · 990

    Revenue
    $9,693,460
    Expenses
    $6,997,091
    Assets (EOY)
    $150,837,869
  • 2018 · 990

    Revenue
    $9,237,735
    Expenses
    $6,595,918
    Assets (EOY)
    $143,224,198
  • 2017 · 990

    Revenue
    $8,374,758
    Expenses
    $5,984,014
    Assets (EOY)
    $139,294,993
  • 2016 · 990

    Revenue
    $7,194,047
    Expenses
    $5,170,107
    Assets (EOY)
    $134,344,027
  • 2015 · 990

    Revenue
    $6,612,809
    Expenses
    $5,002,646
    Assets (EOY)
    $116,231,716
  • 2014 · 990

    Revenue
    $5,482,263
    Expenses
    $3,595,564
    Assets (EOY)
    $93,206,985
  • 2013 · 990

    Revenue
    $5,151,994
    Expenses
    $3,689,352
    Assets (EOY)
    $88,058,930
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $3,460,454
    Assets (EOY)
    $81,299,578

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.