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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1464920 ANN ARBOR, MI

Revenue 2025
$84,989,667
Expenses 2025
$77,297,519

As filed

Subsection
14
Classification
1000
Street
340 E HURON ST STE 100

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

FINANCIAL SERVICES. THE UNIVERSITY OF MICHIGAN CREDIT UNION IS A FINANCIAL INSTITUTION CHARTERED IN THE STATE OF MICHIGAN. THE CREDIT UNION PROVIDES A WIDE RANGE OF FINANCIAL SERVICES TO THE MEMBER/OWNERS AT A REASONABLE COST.

Activities or mission (Part I)

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

  • PROVIDE 122,134 MEMBERS WITH REGULAR SHARES, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA, CLUB, AND BUSINESS WITH AN AGGREGATE BALANCE THAT APPROXIMATED $1,089,911,000 AS OF DECEMBER 31, 2025.

  • PROVIDE 81,128 LOANS INCLUDING VEHICLE, CREDIT CARD, UNSECURED, STUDENT, INDIRECT, RECREATIONAL VEHICLE, MORTGAGE, BUSINESS, OVERDRAFT LINES OF CREDIT, AND CREDIT BUILDER WITH BALANCES AGGREGATING APPROXIMATELY $1,117,429,000 AS OF DECEMBER 31, 2025.

  • OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, BILL PAY, OVERDRAFT PROTECTION/COURTESY PAY, VARIOUS INSURANCE AND INVESTMENT PRODUCTS TO ALL ELIGIBLE MEMBERS.

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.

  • EARL BELL

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    3

  • LUKELAND GENTLES

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    3

  • KAREN PARKER

    SECRETARY

    Total calculated
    $0
    Hours/week
    3

  • VICTORIA BENNETT

    TREASURER

    Total calculated
    $0
    Hours/week
    3

  • FRANK CIANCIOLA

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • BENJIE JOHNSON

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • MARY KRASNY

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • JAMES MIDDLEMAS

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • QUINTA VREEDE

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • TIFFANY FORD

    CEO

    Total calculated
    $1,471,971
    From this org
    $1,452,971
    From related orgs
    $0
    Other
    $19,000
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $812,423
    Bonus
    $626,780
    Other
    $13,768
    Deferred
    $19,000
    Nontaxable benefits
    $0
    Filer's total
    $1,471,971

  • DEANNE RAMOS

    CHIEF FINANCIAL OFFICER

    Total calculated
    $382,984
    From this org
    $345,467
    From related orgs
    $0
    Other
    $37,517
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $289,277
    Bonus
    $55,500
    Other
    $690
    Deferred
    $31,500
    Nontaxable benefits
    $6,017
    Filer's total
    $382,984

  • DONNA DICKERSON DOLEMAN

    CHIEF MARKETING OFFICER

    Total calculated
    $392,364
    From this org
    $344,109
    From related orgs
    $0
    Other
    $48,255
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $302,319
    Bonus
    $40,500
    Other
    $1,290
    Deferred
    $30,193
    Nontaxable benefits
    $18,062
    Filer's total
    $392,364

  • PATRICIA KEENE

    CHIEF HUMAN RESOURCES OFFICER

    Total calculated
    $306,195
    From this org
    $284,848
    From related orgs
    $0
    Other
    $21,347
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $242,368
    Bonus
    $40,500
    Other
    $1,980
    Deferred
    $17,207
    Nontaxable benefits
    $4,140
    Filer's total
    $306,195

  • XIANG WU

    CHIEF TECHNOLOGY OFFICER

    Total calculated
    $298,056
    From this org
    $265,486
    From related orgs
    $0
    Other
    $32,570
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $224,296
    Bonus
    $40,500
    Other
    $690
    Deferred
    $24,553
    Nontaxable benefits
    $8,017
    Filer's total
    $298,056

  • TINA HAMILTON

    CHIEF LENDING OFFICER

    Total calculated
    $298,034
    From this org
    $273,127
    From related orgs
    $0
    Other
    $24,907
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $232,177
    Bonus
    $40,500
    Other
    $450
    Deferred
    $18,890
    Nontaxable benefits
    $6,017
    Filer's total
    $298,034

  • MARCUS ENGLISH

    CHIEF OPERATIONS OFFICER

    Total calculated
    $384,848
    From this org
    $347,331
    From related orgs
    $0
    Other
    $37,517
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $306,561
    Bonus
    $40,500
    Other
    $270
    Deferred
    $31,500
    Nontaxable benefits
    $6,017
    Filer's total
    $384,848

  • JOSEPH LOUIS-FERDINAND

    IT MANAGER

    Total calculated
    $190,729
    From this org
    $161,550
    From related orgs
    $0
    Other
    $29,179
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $151,570
    Bonus
    $8,000
    Other
    $1,980
    Deferred
    $15,585
    Nontaxable benefits
    $13,594
    Filer's total
    $190,729

  • MINAL KAMAT

    VP OF BRANCH OPERATIONS

    Total calculated
    $232,037
    From this org
    $196,743
    From related orgs
    $0
    Other
    $35,294
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $184,053
    Bonus
    $12,000
    Other
    $690
    Deferred
    $17,404
    Nontaxable benefits
    $17,890
    Filer's total
    $232,037

  • ERICA BOTKA

    VP OF TALENT

    Total calculated
    $218,699
    From this org
    $203,515
    From related orgs
    $0
    Other
    $15,184
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $191,065
    Bonus
    $12,000
    Other
    $450
    Deferred
    $13,983
    Nontaxable benefits
    $1,201
    Filer's total
    $218,699

  • BRITTANY ZIELINSKI

    VP OF BRANCH OPERATIONS

    Total calculated
    $197,676
    From this org
    $178,298
    From related orgs
    $0
    Other
    $19,378
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $166,058
    Bonus
    $12,000
    Other
    $240
    Deferred
    $16,178
    Nontaxable benefits
    $3,200
    Filer's total
    $197,676

  • RASHMI HURST

    AVP OF BRAND AND MARKETING

    Total calculated
    $207,047
    From this org
    $175,027
    From related orgs
    $0
    Other
    $32,020
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $166,787
    Bonus
    $8,000
    Other
    $240
    Deferred
    $17,076
    Nontaxable benefits
    $14,944
    Filer's total
    $207,047

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
    $84,989,667
    Expenses
    $77,297,519
    Contributions
    $0
    Grants paid
    $10,000
  • 2024
    Revenue
    $89,479,393
    Expenses
    $68,108,376
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $64,479,602
    Expenses
    $56,414,136
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $52,711,293
    Expenses
    $44,293,607
    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
    $50,830,621
    Expenses
    $40,566,834
    Assets (EOY)
    $1,323,805,807

  • 2020 · 990

    Revenue
    $47,053,855
    Expenses
    $41,897,968
    Assets (EOY)
    $1,187,983,058

  • 2019 · 990

    Revenue
    $50,417,594
    Expenses
    $41,139,734
    Assets (EOY)
    $953,301,122

  • 2018 · 990

    Revenue
    $45,510,697
    Expenses
    $35,391,811
    Assets (EOY)
    $907,339,037

  • 2017 · 990

    Revenue
    $38,078,643
    Expenses
    $30,710,185
    Assets (EOY)
    $793,668,991

  • 2016 · 990

    Revenue
    $32,278,872
    Expenses
    $26,524,518
    Assets (EOY)
    $729,309,577

  • 2015 · 990

    Revenue
    $29,517,903
    Expenses
    $23,591,712
    Assets (EOY)
    $664,052,014

  • 2014 · 990

    Revenue
    $26,347,036
    Expenses
    $24,278,078
    Assets (EOY)
    $571,276,071

  • 2013 · 990

    Revenue
    $22,861,896
    Expenses
    $20,147,731
    Assets (EOY)
    $518,552,560

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $17,357,187
    Assets (EOY)
    $494,718,953

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.

Form 990-N e-Postcard, tax year 2013

Tax period
1 January 2013 to 31 December 2013
Principal officer
Jason Bailey
Mailing address
1019 Watersmeet DrOxford MI 48371
Website
http://umthetatau.com/alumni-hb
Doing business as
Theta Gamma AHB

As filed, from the IRS e-Postcard file of 26 October 2026. The IRS publishes only each organization's most recent postcard, so earlier years are not shown. A 990-N carries no financial detail. The postcard also gives the principal officer's address, which is not shown here.

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