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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1231023 BERRIEN SPRGS, MI

Revenue 2025
$136,714,599
Expenses 2025
$121,545,531

As filed

Subsection
14
Classification
1000
Street
8385 EDGEWOOD 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.

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 BROWN

    CHAIR

    Total calculated
    $0
    Hours/week
    2

  • GREG VAUGHN

    SECRETARY

    Total calculated
    $0
    Hours/week
    2

  • MIMI ELWELL

    VICE CHAIR

    Total calculated
    $0
    Hours/week
    2

  • RON GRIESINGER

    TREASURER

    Total calculated
    $0
    Hours/week
    2

  • BREANNA BELL

    ASSOCIATE DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • PAIGE EAGON

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • PANO ARVANITIS

    ASSOCIATE DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • RANDY O'NEIL

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • STEPHEN SMITH

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • HEATHER LUCIANI

    CHIEF STRATEGY OFFICER

    Total calculated
    $403,589
    From this org
    $367,343
    From related orgs
    $0
    Other
    $36,246
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $286,448
    Bonus
    $72,677
    Other
    $8,218
    Deferred
    $31,806
    Nontaxable benefits
    $4,440
    Filer's total
    $403,589

  • SCOTT MCFARLAND

    CHIEF EXECUTIVE OFFICER

    Total calculated
    $885,257
    From this org
    $824,936
    From related orgs
    $0
    Other
    $60,321
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $581,543
    Bonus
    $196,051
    Other
    $47,342
    Deferred
    $41,976
    Nontaxable benefits
    $18,345
    Filer's total
    $885,257

  • KATHERINE BERRY

    CHIEF PEOPLE OFFICER

    Total calculated
    $399,693
    From this org
    $367,316
    From related orgs
    $0
    Other
    $32,377
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $251,298
    Bonus
    $59,643
    Other
    $56,375
    Deferred
    $27,940
    Nontaxable benefits
    $4,437
    Filer's total
    $399,693

  • KENT FIGY

    CHIEF LENDING OFFICER

    Total calculated
    $345,106
    From this org
    $300,466
    From related orgs
    $0
    Other
    $44,640
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $239,323
    Bonus
    $58,906
    Other
    $2,237
    Deferred
    $26,326
    Nontaxable benefits
    $18,314
    Filer's total
    $345,106

  • MEGAN HENDRIX

    CHIEF OPERATIONS OFFICER

    Total calculated
    $439,205
    From this org
    $387,985
    From related orgs
    $0
    Other
    $51,220
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $267,521
    Bonus
    $73,644
    Other
    $46,820
    Deferred
    $32,875
    Nontaxable benefits
    $18,345
    Filer's total
    $439,205

  • EDWARD FREED

    VP OF INNOVATION TECHNOLOGY

    Total calculated
    $291,350
    From this org
    $262,113
    From related orgs
    $0
    Other
    $29,237
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $158,234
    Bonus
    $33,255
    Other
    $70,624
    Deferred
    $12,659
    Nontaxable benefits
    $16,578
    Filer's total
    $291,350

  • JENNIFER PATRICK

    VP OF MEMBER EXPERIENCE

    Total calculated
    $279,270
    From this org
    $239,075
    From related orgs
    $0
    Other
    $40,195
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $193,942
    Bonus
    $43,083
    Other
    $2,050
    Deferred
    $21,334
    Nontaxable benefits
    $18,861
    Filer's total
    $279,270

  • LYNNEISE GADDIE

    VP OF REAL ESTATE

    Total calculated
    $275,165
    From this org
    $247,669
    From related orgs
    $0
    Other
    $27,496
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $179,334
    Bonus
    $35,496
    Other
    $32,839
    Deferred
    $9,587
    Nontaxable benefits
    $17,909
    Filer's total
    $275,165

  • MARSHALLL WILLIAMS

    VP OF FINANCE

    Total calculated
    $253,002
    From this org
    $227,535
    From related orgs
    $0
    Other
    $25,467
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $191,103
    Bonus
    $35,112
    Other
    $1,320
    Deferred
    $21,318
    Nontaxable benefits
    $4,149
    Filer's total
    $253,002

  • MATTHEW NORDBERG

    MORTGAGE LOAN OFFICER

    Total calculated
    $423,149
    From this org
    $375,828
    From related orgs
    $0
    Other
    $47,321
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $10,001
    Bonus
    $2,203
    Other
    $363,624
    Deferred
    $34,000
    Nontaxable benefits
    $13,321
    Filer's total
    $423,149

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
    $136,714,599
    Expenses
    $121,545,531
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $113,682,685
    Expenses
    $94,196,589
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $90,533,570
    Expenses
    $71,155,529
    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
    $81,953,482
    Expenses
    $60,781,210
    Assets (EOY)
    $1,437,451,566

  • 2020 · 990

    Revenue
    $75,345,313
    Expenses
    $61,331,077
    Assets (EOY)
    $1,214,960,101

  • 2019 · 990

    Revenue
    $69,079,578
    Expenses
    $57,783,763
    Assets (EOY)
    $1,009,278,982

  • 2018 · 990

    Revenue
    $60,329,871
    Expenses
    $49,616,444
    Assets (EOY)
    $934,030,474

  • 2017 · 990

    Revenue
    $49,336,526
    Expenses
    $40,922,549
    Assets (EOY)
    $852,520,992

  • 2016 · 990

    Revenue
    $43,216,020
    Expenses
    $37,658,842
    Assets (EOY)
    $712,966,023

  • 2015 · 990

    Revenue
    $36,570,015
    Expenses
    $29,868,248
    Assets (EOY)
    $664,782,324

  • 2014 · 990

    Revenue
    $30,476,651
    Expenses
    $24,620,104
    Assets (EOY)
    $598,991,686

  • 2013 · 990

    Revenue
    $25,258,836
    Expenses
    $20,157,913
    Assets (EOY)
    $472,518,124

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $18,688,101
    Assets (EOY)
    $432,710,416

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

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 2025 return

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 23 October 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.