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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1497358 NOVI, MI

Largest nonprofits in Michigan

Revenue 2025
$96,147,177
Expenses 2025
$90,675,741

As filed

Subsection
14
Classification
1000
Street
44575 W TWELVE MILE RD

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 ENHANCE THE FINANCIAL WELL-BEING OF OUR MEMBERS

Activities or mission (Part I)

PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND

  • PROVIDE 74,515 MEMBERS WITH REGULAR SAVINGS, CHECKING, MONEY MARKETS, BUSINESS SAVINGS, IRA SAVINGS AND CERTIFICATES OF DEPOSIT ACCOUNTS TOTALING 174,013.

  • PROVIDE 43,388 LOANS INCLUDING VEHICLE, RECREATIONAL VEHICLE, LINES OF CREDIT, CREDIT CARDS, HOME EQUITY, MORTGAGE, BUSINESS, SIGNATURE AND SHARED SECURED LOANS.

  • OFFER AUTOMATED TELLER MACHINES (ATMS), DEBIT CARD, HOME BANKING, BILL PAYMENTS, COURTESY PAY, AND VARIOUS INSURANCE PRODUCTS TO OUR MEMBERSHIP.

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.

  • Arthur Frasca

    BOARD SECRETARY

    Total calculated
    $0
    Hours/week
    2

  • Gaia Piir

    BOARD CHARIPERSON

    Total calculated
    $3,948
    From this org
    $3,948
    From related orgs
    $0
    Other
    $0
    Hours/week
    4

  • Stanley Moore

    BOARD TREASURER

    Total calculated
    $824
    From this org
    $824
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • Stephen Westbrooks

    VICE CHAIRPERSON

    Total calculated
    $4,146
    From this org
    $4,146
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • Christa Murphy

    DIRECTOR

    Total calculated
    $934
    From this org
    $934
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Colleen Barton

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Douglas Williams

    DIRECTOR

    Total calculated
    $1,462
    From this org
    $1,462
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Jenna Romain

    DIRECTOR

    Total calculated
    $1,299
    From this org
    $1,299
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Michael Ivanics

    DIRECTOR

    Total calculated
    $3,948
    From this org
    $3,948
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Michelle Saunders

    DIRECTOR

    Total calculated
    $797
    From this org
    $797
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Chaz Rzewnicki

    PRESIDENT/CEO

    Total calculated
    $819,974
    From this org
    $757,675
    From related orgs
    $0
    Other
    $62,299
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $721,222
    Bonus
    $0
    Other
    $36,453
    Deferred
    $34,988
    Nontaxable benefits
    $27,311
    Filer's total
    $819,974

  • Eric Heinrich

    CHIEF FINANCIAL OFFICER

    Total calculated
    $409,113
    From this org
    $357,533
    From related orgs
    $0
    Other
    $51,580
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $273,831
    Bonus
    $70,000
    Other
    $13,702
    Deferred
    $28,865
    Nontaxable benefits
    $22,715
    Filer's total
    $409,113

  • Jeffrey Pascoe

    CHIEF OPERATIONS AND STRATEGY OFFICER

    Total calculated
    $391,333
    From this org
    $339,224
    From related orgs
    $0
    Other
    $52,109
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $257,345
    Bonus
    $65,000
    Other
    $16,879
    Deferred
    $29,250
    Nontaxable benefits
    $22,859
    Filer's total
    $391,333

  • Jennifer Bleau

    CHIEF BRAND AND GROWTH OFFICER

    Total calculated
    $321,214
    From this org
    $273,015
    From related orgs
    $0
    Other
    $48,199
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $210,185
    Bonus
    $52,500
    Other
    $10,330
    Deferred
    $23,625
    Nontaxable benefits
    $24,574
    Filer's total
    $321,214

  • Jennifer Woessner

    CHIEF TALENT AND RETAIL OFFICER

    Total calculated
    $395,661
    From this org
    $348,169
    From related orgs
    $0
    Other
    $47,492
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $256,864
    Bonus
    $65,000
    Other
    $26,305
    Deferred
    $24,873
    Nontaxable benefits
    $22,619
    Filer's total
    $395,661

  • Robin Thompson

    SENIOR VICE PRESIDENT (SVP) OF STRATEGIC IMPACT

    Total calculated
    $320,912
    From this org
    $277,813
    From related orgs
    $0
    Other
    $43,099
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $193,717
    Bonus
    $65,000
    Other
    $19,096
    Deferred
    $22,789
    Nontaxable benefits
    $20,310
    Filer's total
    $320,912

  • Steven Smith

    CHIEF TECHNOLOGY AND SECURITY OFFICER

    Total calculated
    $337,770
    From this org
    $295,272
    From related orgs
    $0
    Other
    $42,498
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $230,648
    Bonus
    $46,993
    Other
    $17,631
    Deferred
    $23,054
    Nontaxable benefits
    $19,444
    Filer's total
    $337,770

  • Teresa Digaetano

    CHIEF CREDIT OFFICER

    Total calculated
    $282,224
    From this org
    $243,694
    From related orgs
    $0
    Other
    $38,530
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $228,418
    Bonus
    $0
    Other
    $15,276
    Deferred
    $19,342
    Nontaxable benefits
    $19,188
    Filer's total
    $282,224

  • Anthony Taormina

    VP OF BUILDING OPERATIONS

    Total calculated
    $200,117
    From this org
    $162,604
    From related orgs
    $0
    Other
    $37,513
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $126,153
    Bonus
    $27,803
    Other
    $8,648
    Deferred
    $14,141
    Nontaxable benefits
    $23,372
    Filer's total
    $200,117

  • Jay Hefel

    VP OF DATA AND DIGITAL BANKING

    Total calculated
    $216,280
    From this org
    $177,915
    From related orgs
    $0
    Other
    $38,365
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $154,719
    Bonus
    $23,010
    Other
    $186
    Deferred
    $14,726
    Nontaxable benefits
    $23,639
    Filer's total
    $216,280

  • Margaret Spurlin

    VP OF LENDING & COLLECTIONS

    Total calculated
    $198,123
    From this org
    $163,763
    From related orgs
    $0
    Other
    $34,360
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $148,640
    Bonus
    $15,027
    Other
    $96
    Deferred
    $14,124
    Nontaxable benefits
    $20,236
    Filer's total
    $198,123

  • Michael Lieberman

    VP COMMERCIAL SERVICES & MORTGAGE SALES

    Total calculated
    $268,522
    From this org
    $229,031
    From related orgs
    $0
    Other
    $39,491
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $189,616
    Bonus
    $39,240
    Other
    $175
    Deferred
    $13,459
    Nontaxable benefits
    $26,032
    Filer's total
    $268,522

  • Michael Lowe

    COMMERCIAL LOAN OFFICER

    Total calculated
    $226,382
    From this org
    $204,098
    From related orgs
    $0
    Other
    $22,284
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $90,676
    Bonus
    $113,382
    Other
    $40
    Deferred
    $18,274
    Nontaxable benefits
    $4,010
    Filer's total
    $226,382

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
    $96,147,177
    Expenses
    $90,675,741
    Contributions
    $0
    Grants paid
    $248,660
  • 2023
    Revenue
    $70,370,228
    Expenses
    $62,710,756
    Contributions
    $0
    Grants paid
    $154,065
  • 2022
    Revenue
    $60,191,684
    Expenses
    $48,127,958
    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

  • 2018 · 990

    Revenue
    $21,562,180
    Expenses
    $19,394,235
    Assets (EOY)
    $361,698,378

  • 2017 · 990

    Revenue
    $18,311,971
    Expenses
    $16,760,514
    Assets (EOY)
    $351,240,021

  • 2016 · 990

    Revenue
    $17,735,079
    Expenses
    $14,281,882
    Assets (EOY)
    $329,757,418

  • 2015 · 990

    Revenue
    $16,623,863
    Expenses
    $13,090,279
    Assets (EOY)
    $307,606,500

  • 2014 · 990

    Revenue
    $13,485,117
    Expenses
    $9,622,231
    Assets (EOY)
    $280,414,533

  • 2013 · 990

    Revenue
    $9,920,463
    Expenses
    $8,225,124
    Assets (EOY)
    $185,186,530

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $7,858,943
    Assets (EOY)
    $177,607,397

  • 2011 · 990

    Revenue
    not reported
    Expenses
    $8,840,836
    Assets (EOY)
    $166,523,837

  • 2010 · 990

    Revenue
    not reported
    Expenses
    $10,185,903
    Assets (EOY)
    $160,676,589

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

The 10 largest by cash amount. The API serves every itemized grant.

Where these grants went next →

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.

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2023 return

  • TELECOM CUSO NO 1 LLC-DBA AUTO PRIVILEGES

    AUTO SALES · MI · income $0 · assets $0

Other IRS files

Auto-Revocation List

  • Exemption revoked 15 May 2022, reinstated 15 May 2022.

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.