Skip to content
Nonprofiteer
← All organizations

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1439781 ROMULUS, MI

Revenue 2024
$31,835,970
Expenses 2024
$29,530,611

As filed

Subsection
14
Classification
1000
Street
7665 MERRIMAN 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 · 2024

Mission

TO HELP OUR MEMBERS REACH THEIR FINANCIAL GOALS. WE ARE COMMITTED TO PROVIDING EXCEPTIONAL SERVICES FROM KNOWLEDGABLE EMPLOYEES. AS A MEMBER OF THE PSCU FAMILY, EVERYONE WILL BE TREATED WITH DIGNITY AND RESPECT.

Activities or mission (Part I)

TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.

  • PROVIDE MEMBERS WITH REGULAR SHARES, SHARE DRAFT, MONEY MARKET, IRA, CERTIFICATE OF DEPOSIT AND CLUB ACCOUNTS.

  • PROVIDE LOANS INCLUDING VEHICLE, MORTGAGE, HOME EQUITY, COMMERCIAL AND PERSONAL LOANS.

  • OFFER AUTOMATED TELLER MACHINES, COURTESY PAY, WIRE TRANSFERS, GIFT CARDS, MONEY ORDERS AND VARIOUS INSURANCE PROGRAMS.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • FREDERICK MORGAN

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    2

  • CHARLIE LOWLER

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    2

  • EDWARD CAREY

    SECRETARY

    Total calculated
    $0
    Hours/week
    2

  • JUANITA HENRY

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • DALE REAUME

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • DEAN J TRUDEAU

    PRESIDENT/CEO, BOARD TREASURER

    Total calculated
    $498,212
    From this org
    $457,521
    From related orgs
    $0
    Other
    $40,691
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $367,828
    Bonus
    $83,112
    Other
    $6,581
    Deferred
    $17,648
    Nontaxable benefits
    $23,043
    Filer's total
    $498,212

  • MELISSA ESPINOZA

    CFO/SVP OF SUPPORT

    Total calculated
    $252,895
    From this org
    $238,628
    From related orgs
    $0
    Other
    $14,267
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $213,538
    Bonus
    $22,595
    Other
    $2,495
    Deferred
    $14,103
    Nontaxable benefits
    $164
    Filer's total
    $252,895

  • DONNA FOLLBAUM

    COO/EVP OF BRANCH SERVICES

    Total calculated
    $262,330
    From this org
    $215,156
    From related orgs
    $0
    Other
    $47,174
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $191,877
    Bonus
    $20,503
    Other
    $2,776
    Deferred
    $12,925
    Nontaxable benefits
    $34,249
    Filer's total
    $262,330

  • ROBERT MERCIER

    CLO/SVP OF SALES & LENDING

    Total calculated
    $236,877
    From this org
    $187,188
    From related orgs
    $0
    Other
    $49,689
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $168,399
    Bonus
    $10,000
    Other
    $8,789
    Deferred
    $36,677
    Nontaxable benefits
    $13,012
    Filer's total
    $236,877

  • ANGELO FANARAS

    CIO/SVP OF ELECTRONIC SERVICES

    Total calculated
    $319,226
    From this org
    $204,095
    From related orgs
    $0
    Other
    $115,131
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $182,461
    Bonus
    $19,056
    Other
    $2,578
    Deferred
    $88,917
    Nontaxable benefits
    $26,214
    Filer's total
    $319,226

  • ASHLEY CARR

    VP OF PEOPLE & CULTURE

    Total calculated
    $182,655
    From this org
    $139,498
    From related orgs
    $0
    Other
    $43,157
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $127,862
    Bonus
    $9,920
    Other
    $1,716
    Deferred
    $16,943
    Nontaxable benefits
    $26,214
    Filer's total
    $182,655

  • TANIS CAMPBELL

    VP OF RISK MANAGEMENT

    Total calculated
    $184,647
    From this org
    $135,676
    From related orgs
    $0
    Other
    $48,971
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $124,221
    Bonus
    $9,760
    Other
    $1,695
    Deferred
    $26,391
    Nontaxable benefits
    $22,580
    Filer's total
    $184,647

  • DAMIKA CLARK

    VP OF BRANCH EXPERIENCE

    Total calculated
    $170,625
    From this org
    $119,180
    From related orgs
    $0
    Other
    $51,445
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $111,810
    Bonus
    $3,393
    Other
    $3,977
    Deferred
    $25,231
    Nontaxable benefits
    $26,214
    Filer's total
    $170,625

  • BRIAN BUCZEK

    COMMERCIAL RELATIONSHIP MANAGER

    Total calculated
    $148,882
    From this org
    $131,161
    From related orgs
    $0
    Other
    $17,721
    Hours/week
    40

  • DAWN SEWARD

    AVP OF CONSUMER LENDING & COLLECTIONS

    Total calculated
    $149,366
    From this org
    $112,907
    From related orgs
    $0
    Other
    $36,459
    Hours/week
    40

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

  • 2024
    Revenue
    $31,835,970
    Expenses
    $29,530,611
    Contributions
    $2,289,320
    Grants paid
    $10,000
  • 2023
    Revenue
    $30,634,389
    Expenses
    $26,874,380
    Contributions
    $4,000,000
    Grants paid
    $10,000
  • 2022
    Revenue
    $20,530,252
    Expenses
    $19,446,149
    Contributions
    $0
    Grants paid
    $10,000

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
    $22,316,776
    Expenses
    $18,634,519
    Assets (EOY)
    $367,474,498

  • 2020 · 990

    Revenue
    $19,412,411
    Expenses
    $18,613,765
    Assets (EOY)
    $337,086,473

  • 2019 · 990

    Revenue
    $22,992,823
    Expenses
    $20,961,439
    Assets (EOY)
    $293,173,964

  • 2018 · 990

    Revenue
    $18,969,550
    Expenses
    $16,945,864
    Assets (EOY)
    $285,973,059

  • 2017 · 990

    Revenue
    $16,788,669
    Expenses
    $13,572,812
    Assets (EOY)
    $269,159,657

  • 2016 · 990

    Revenue
    $15,092,120
    Expenses
    $12,637,910
    Assets (EOY)
    $239,040,778

  • 2015 · 990

    Revenue
    $12,146,474
    Expenses
    $11,076,579
    Assets (EOY)
    $156,473,106

  • 2014 · 990

    Revenue
    $11,588,205
    Expenses
    $9,778,836
    Assets (EOY)
    $148,456,345

  • 2013 · 990

    Revenue
    $11,562,064
    Expenses
    $9,784,419
    Assets (EOY)
    $138,647,899

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $10,265,577
    Assets (EOY)
    $134,305,935

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

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 2024, the newest we have parsed for this organization.