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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1642684 BAY CITY, MI

Largest nonprofits in Michigan

Revenue 2025
$6,468,110
Expenses 2025
$6,432,525

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
404 S EUCLID AVE

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

MEMBER OWNED AND MEMBER CONTROLLED FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SOUND COMPREHENSIVE SERVICES TO ITS FAMILY OF MEMBERS

  • PROVIDE 11,134 MEMBERS WITH REGULAR SAVINGS, SHARE DRAFTS, CERTIFICATE OF DEPOSIT, IRA, MONEY MARKET AND CLUB ACCOUNTS TOTALING 17,297.

  • PROVIDE 4,118 LOANS INCLUDING VEHICLE, PERSONAL, HOME EQUITY, MORTGAGE BUSINESS, OVERDRAFT, SHARE SECURED, INDIRECT AND CREDIT CARD LOANS.

  • OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, NO COST BILL PAYER, STUDENT SCHOLARSHIPS, FINANCIAL LITERCY WORKSHOPS IN-SCHOOL, BRANCHES, COURTESY PAY AND VARIOUS INSURANCE PROGRAMS.

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.

  • Jeff Rabanus

    CEO

    Total calculated
    $249,761
    From this org
    $203,031
    From related orgs
    $0
    Other
    $46,730
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $203,031
    Bonus
    not reported
    Other
    not reported
    Deferred
    $8,685
    Nontaxable benefits
    $38,045
    Filer's total
    $249,761
  • Michelle Hine

    Vice President

    Total calculated
    $123,632
    From this org
    $108,969
    From related orgs
    $0
    Other
    $14,663
    Hours/week
    40
  • Lisa Felske

    Vice President

    Total calculated
    $119,552
    From this org
    $105,162
    From related orgs
    $0
    Other
    $14,390
    Hours/week
    40
  • Whitney Sode

    CFO

    Total calculated
    $106,539
    From this org
    $100,045
    From related orgs
    $0
    Other
    $6,494
    Hours/week
    40
  • Cj Montana

    Treasurer

    Total calculated
    $0
    Hours/week
    1
  • Rick Meeth

    Director

    Total calculated
    $0
    Hours/week
    1
  • Louis Meyette

    Director

    Total calculated
    $0
    Hours/week
    1
  • David Royal

    Director

    Total calculated
    $0
    Hours/week
    1
  • James Voss

    Chairman

    Total calculated
    $0
    Hours/week
    1
  • Katherine Grant

    Secretary

    Total calculated
    $0
    Hours/week
    1
  • Rick Heinrich

    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
    $6,468,110
    Expenses
    $6,432,525
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $6,004,587
    Expenses
    $5,683,150
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $6,004,587
    Expenses
    $5,683,150
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $5,505,754
    Expenses
    $5,145,723
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $5,040,649
    Expenses
    $4,766,787
    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
    $4,672,595
    Expenses
    $4,540,906
    Assets (EOY)
    $148,912,549
  • 2020 · 990

    Revenue
    $4,780,009
    Expenses
    $4,574,039
    Assets (EOY)
    $134,011,246
  • 2019 · 990

    Revenue
    $5,308,751
    Expenses
    $4,852,109
    Assets (EOY)
    $113,145,563
  • 2018 · 990

    Revenue
    $5,140,228
    Expenses
    $4,554,540
    Assets (EOY)
    $111,335,306
  • 2017 · 990

    Revenue
    $4,725,455
    Expenses
    $4,546,285
    Assets (EOY)
    $109,807,813
  • 2016 · 990

    Revenue
    $4,621,624
    Expenses
    $4,570,816
    Assets (EOY)
    $107,725,152
  • 2015 · 990

    Revenue
    $4,622,589
    Expenses
    $4,465,669
    Assets (EOY)
    $106,598,162
  • 2014 · 990

    Revenue
    $4,576,700
    Expenses
    $4,170,370
    Assets (EOY)
    $101,405,527
  • 2013 · 990

    Revenue
    $4,185,027
    Expenses
    $3,994,654
    Assets (EOY)
    $95,961,190
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $3,938,847
    Assets (EOY)
    $93,471,922

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.