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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1489454 MIDLAND, MI

Revenue 2024
$62,164,036
Expenses 2024
$59,767,012

As filed

Subsection
14
Classification
1000
Street
600 W WACKERLY ST

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 · 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.

  • KEVIN BROTT

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    4

  • JENNI BUSH

    SECRETARY

    Total calculated
    $0
    Hours/week
    4

  • ROBERT COOPER

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    4

  • RENEE DECKROW

    DIRECTOR

    Total calculated
    $0
    Hours/week
    4

  • JOSEPH KREUSCH

    DIRECTOR

    Total calculated
    $0
    Hours/week
    4

  • GRANT MURSCHEL

    DIRECTOR

    Total calculated
    $0
    Hours/week
    4

  • ERIN STRANG

    DIRECTOR

    Total calculated
    $0
    Hours/week
    4

  • DAVID THOMPSON

    TREASURER

    Total calculated
    $0
    Hours/week
    4

  • CARRIE IAFRATE

    CEO

    Total calculated
    $441,056
    From this org
    $390,152
    From related orgs
    $0
    Other
    $50,904
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $379,740
    Bonus
    $1,910
    Other
    $8,502
    Deferred
    $21,818
    Nontaxable benefits
    $29,086
    Filer's total
    $441,056

  • TAMARA MCGOVERN

    CFO

    Total calculated
    $384,152
    From this org
    $330,544
    From related orgs
    $0
    Other
    $53,608
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $326,465
    Bonus
    $1,885
    Other
    $2,194
    Deferred
    $26,766
    Nontaxable benefits
    $26,842
    Filer's total
    $384,152

  • AMY GARVER

    COO

    Total calculated
    $251,403
    From this org
    $221,332
    From related orgs
    $0
    Other
    $30,071
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $216,764
    Bonus
    $2,210
    Other
    $2,358
    Deferred
    $17,736
    Nontaxable benefits
    $12,335
    Filer's total
    $251,403

  • MARCIE LONG

    CPSO

    Total calculated
    $261,217
    From this org
    $221,140
    From related orgs
    $0
    Other
    $40,077
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $216,572
    Bonus
    $2,210
    Other
    $2,358
    Deferred
    $17,736
    Nontaxable benefits
    $22,341
    Filer's total
    $261,217

  • JOHN PEPMEIER

    VP FINANCE

    Total calculated
    $218,860
    From this org
    $181,946
    From related orgs
    $0
    Other
    $36,914
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $177,712
    Bonus
    $1,876
    Other
    $2,358
    Deferred
    $14,616
    Nontaxable benefits
    $22,298
    Filer's total
    $218,860

  • NICHOLAS GROULX

    VP CHANNEL DELIVERY

    Total calculated
    $206,697
    From this org
    $171,870
    From related orgs
    $0
    Other
    $34,827
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $168,077
    Bonus
    $1,911
    Other
    $1,882
    Deferred
    $13,983
    Nontaxable benefits
    $20,844
    Filer's total
    $206,697

  • REID LUNDEEN

    VP LENDING

    Total calculated
    $179,279
    From this org
    $137,510
    From related orgs
    $0
    Other
    $41,769
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $132,974
    Bonus
    $2,208
    Other
    $2,328
    Deferred
    $11,601
    Nontaxable benefits
    $30,168
    Filer's total
    $179,279

  • KELLY KAMMER

    VP RISK MANAGEMENT

    Total calculated
    $205,090
    From this org
    $160,266
    From related orgs
    $0
    Other
    $44,824
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $155,061
    Bonus
    $2,032
    Other
    $3,173
    Deferred
    $13,336
    Nontaxable benefits
    $31,488
    Filer's total
    $205,090

  • BETHANY DUTCHER

    VP MARKETING

    Total calculated
    $197,134
    From this org
    $158,849
    From related orgs
    $0
    Other
    $38,285
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $146,421
    Bonus
    $10,441
    Other
    $1,987
    Deferred
    $13,008
    Nontaxable benefits
    $25,277
    Filer's total
    $197,134

  • EVERETT PETERSON

    VP TECHNOLOGY

    Total calculated
    $173,679
    From this org
    $133,242
    From related orgs
    $0
    Other
    $40,437
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $128,873
    Bonus
    $2,032
    Other
    $2,337
    Deferred
    $11,280
    Nontaxable benefits
    $29,157
    Filer's total
    $173,679

  • NOELLE ROBINSON

    VP CULTURE & EMPLOYEE DEVELOPMENT

    Total calculated
    $160,435
    From this org
    $127,828
    From related orgs
    $0
    Other
    $32,607
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $124,006
    Bonus
    $2,032
    Other
    $1,790
    Deferred
    $10,305
    Nontaxable benefits
    $22,302
    Filer's total
    $160,435

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
    $62,164,036
    Expenses
    $59,767,012
    Contributions
    $315,000
    Grants paid
    $258,294
  • 2023
    Revenue
    $54,322,500
    Expenses
    $51,839,473
    Contributions
    $1,500,000
    Grants paid
    $360,112
  • 2022
    Revenue
    $44,711,143
    Expenses
    $39,920,308
    Contributions
    $1,826,265
    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
    $38,250,460
    Expenses
    $32,262,942
    Assets (EOY)
    $736,881,404

  • 2020 · 990

    Revenue
    $38,003,666
    Expenses
    $34,935,873
    Assets (EOY)
    $657,126,701

  • 2019 · 990

    Revenue
    $38,127,628
    Expenses
    $34,054,492
    Assets (EOY)
    $535,640,849

  • 2018 · 990

    Revenue
    $35,805,626
    Expenses
    $31,282,916
    Assets (EOY)
    $488,730,739

  • 2017 · 990

    Revenue
    $30,595,141
    Expenses
    $25,845,328
    Assets (EOY)
    $475,692,884

  • 2016 · 990

    Revenue
    $26,591,622
    Expenses
    $23,123,028
    Assets (EOY)
    $390,656,272

  • 2015 · 990

    Revenue
    $22,901,820
    Expenses
    $20,206,532
    Assets (EOY)
    $370,414,326

  • 2014 · 990

    Revenue
    $18,373,745
    Expenses
    $16,683,602
    Assets (EOY)
    $343,584,048

  • 2013 · 990

    Revenue
    $15,696,141
    Expenses
    $14,007,192
    Assets (EOY)
    $322,666,206

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $11,498,556
    Assets (EOY)
    $316,929,120

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

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

Where these grants went next →

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.

Related corporations and trusts on its 2024 return

  • MICHIGAN TRUSTED TITLE AGENCY

    TITLE COMPANY · MI · 5.52% owned · share of income $9,472 · share of assets $42,072

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.