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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1401260 BATTLE CREEK, MI

Revenue 2024
$44,287,260
Expenses 2024
$35,468,329

As filed

Subsection
14
Classification
1000
Street
3141 CAPITAL AVE SW

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.

  • ROBERT LAMBERT

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    2

  • ROGER DAVIS

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    2

  • WILLIAM WOODWARD

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    2

  • ROBIN WHITLOCK

    SECRETARY/TREASURER

    Total calculated
    $0
    Hours/week
    2

  • MIKE WOOD

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • TINA MCNEIL

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • MARK CRAMER

    CEO

    Total calculated
    $436,369
    From this org
    $347,729
    From related orgs
    $0
    Other
    $88,640
    Hours/week
    55

    Schedule J breakdown matched by us

    Base
    $300,000
    Bonus
    $41,933
    Other
    $5,796
    Deferred
    $62,391
    Nontaxable benefits
    $26,249
    Filer's total
    $436,369

  • DEBI SOUTHWORTH

    CFO

    Total calculated
    $306,076
    From this org
    $261,349
    From related orgs
    $0
    Other
    $44,727
    Hours/week
    55

    Schedule J breakdown matched by us

    Base
    $230,789
    Bonus
    $27,950
    Other
    $2,610
    Deferred
    $43,797
    Nontaxable benefits
    $930
    Filer's total
    $306,076

  • CHRIS OVERBEEK

    CHIEF GROWTH OFFICER

    Total calculated
    $266,729
    From this org
    $203,958
    From related orgs
    $0
    Other
    $62,771
    Hours/week
    55

    Schedule J breakdown matched by us

    Base
    $178,586
    Bonus
    $23,251
    Other
    $2,121
    Deferred
    $39,441
    Nontaxable benefits
    $23,330
    Filer's total
    $266,729

  • PATRICE NEFF

    CHIEF HR OFFICER

    Total calculated
    $244,096
    From this org
    $206,251
    From related orgs
    $0
    Other
    $37,845
    Hours/week
    55

    Schedule J breakdown matched by us

    Base
    $186,527
    Bonus
    $16,536
    Other
    $3,188
    Deferred
    $37,052
    Nontaxable benefits
    $793
    Filer's total
    $244,096

  • SCOTT JOHNSTON

    CHIEF TECHNOLOGY OFFICER

    Total calculated
    $352,265
    From this org
    $300,242
    From related orgs
    $0
    Other
    $52,023
    Hours/week
    55

    Schedule J breakdown matched by us

    Base
    $255,085
    Bonus
    $31,325
    Other
    $13,832
    Deferred
    $29,992
    Nontaxable benefits
    $22,031
    Filer's total
    $352,265

  • DOMINIC TOCCI

    DIRECTOR OF SOFTWARE ENGINEERING

    Total calculated
    $195,555
    From this org
    $181,580
    From related orgs
    $0
    Other
    $13,975
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $168,967
    Bonus
    $3,200
    Other
    $9,413
    Deferred
    $13,517
    Nontaxable benefits
    $458
    Filer's total
    $195,555

  • NICOLE KASPER

    CHIEF RETAIL OFFICER

    Total calculated
    $160,411
    From this org
    $149,678
    From related orgs
    $0
    Other
    $10,733
    Hours/week
    55

    Schedule J breakdown matched by us

    Base
    $127,045
    Bonus
    $14,734
    Other
    $7,899
    Deferred
    $10,208
    Nontaxable benefits
    $525
    Filer's total
    $160,411

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
    $44,287,260
    Expenses
    $35,468,329
    Contributions
    $2,976,957
    Grants paid
    $51,755
  • 2023
    Revenue
    $37,118,137
    Expenses
    $29,871,932
    Contributions
    $1,500,000
    Grants paid
    $49,880
  • 2022
    Revenue
    $31,956,998
    Expenses
    $24,768,408
    Contributions
    $0
    Grants paid
    $59,045

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.

Grants made

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

Where these grants went next →

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 IRS Business Master File ingested 5 October 2026, which is when the registration facts above were last refreshed for every organization. Returns through tax year 2024, the newest we have parsed for this organization.