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CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-6060726 BATTLE CREEK, MI

Largest nonprofits in Michigan

Revenue 2025
$62,301,752
Expenses 2025
$48,794,144

As filed

Subsection
14
Classification
1000
Street
PO BOX 140

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

KCCU IS A FULL-SERVICE FINANCIAL INSTITUTION SERVING FAMILIES FOR DECADES. YOUR CREDIT UNION PROVIDES MORE OPPORTUNITY THAN OTHER FINANCIAL INSTITUTIONS BECAUSE IT IS OWNED AND GOVERNED BY THE PEOPLE WHO UTILIZE ITS PRODUCTS AND SERVICES. EVERY MEMBER OWNS A SHARE OF THE CREDIT UNION, AND THE CREDIT UNION OPERATES TO PROMOTE THE FINANCIAL WELL-BEING OF ALL ITS MEMBERS.

Activities or mission (Part I)

KCCU IS A FULL-SERVICE FINANCIAL INSTITUTION SERVING FAMILIES FOR DECADES. YOUR CREDIT UNION PROVIDES MORE OPPORTUNITY THAN OTHER FINANCIAL INSTITUTIONS BECAUSE IT IS OWNED AND GOVERNED BY THE PEOPLE WHO UTILIZE ITS PRODUCTS AND SERVICES. EVERY MEMBER OWNS A SHARE OF THE CREDIT UNION AND THE CREDIT UNION OPERATES TO PROMOTE THE FINANCIAL WELL-BEING OF ALL ITS MEMBERS.

  • INCOME FROM THE CREDIT UNION MEMBERSHIP AND INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.

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.

  • Carol Casey

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Chirstopher Demarest

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • E Paul Chambers

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Henry Pat Rolfe

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Marie Smith

    VICE CHAIRPESON

    Total calculated
    $0
    Hours/week
    1
  • Melissa Miller

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Roger E Pitzer

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Seph Dabrowski

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Trey Junkins

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Amber Mallernee

    CCO

    Total calculated
    $230,265
    From this org
    $194,130
    From related orgs
    $0
    Other
    $36,135
    Hours/week
    38

    Schedule J breakdown matched by us

    Base
    $166,278
    Bonus
    $27,852
    Other
    $0
    Deferred
    $16,115
    Nontaxable benefits
    $20,020
    Filer's total
    $230,265
  • Chris Harris

    CFO

    Total calculated
    $181,873
    From this org
    $159,260
    From related orgs
    $0
    Other
    $22,613
    Hours/week
    38

    Schedule J breakdown matched by us

    Base
    $159,260
    Bonus
    $0
    Other
    $0
    Deferred
    $16,328
    Nontaxable benefits
    $6,285
    Filer's total
    $181,873
  • Jason Cain

    CHIEF TECHNOLOGY OFFICER - PART YEAR

    Total calculated
    $93,759
    From this org
    $87,732
    From related orgs
    $0
    Other
    $6,027
    Hours/week
    38
  • Kate Pratley

    CHIEF RISK OFFICER

    Total calculated
    $202,433
    From this org
    $164,843
    From related orgs
    $0
    Other
    $37,590
    Hours/week
    38

    Schedule J breakdown matched by us

    Base
    $148,593
    Bonus
    $16,250
    Other
    $0
    Deferred
    $17,467
    Nontaxable benefits
    $20,123
    Filer's total
    $202,433
  • Lindsey R Law

    CLO

    Total calculated
    $267,036
    From this org
    $240,877
    From related orgs
    $0
    Other
    $26,159
    Hours/week
    38

    Schedule J breakdown matched by us

    Base
    $207,807
    Bonus
    $33,070
    Other
    $0
    Deferred
    $23,747
    Nontaxable benefits
    $2,412
    Filer's total
    $267,036
  • Tracy Miller

    CEO

    Total calculated
    $562,965
    From this org
    $503,350
    From related orgs
    $0
    Other
    $59,615
    Hours/week
    38

    Schedule J breakdown matched by us

    Base
    $432,446
    Bonus
    $70,904
    Other
    $0
    Deferred
    $37,795
    Nontaxable benefits
    $21,820
    Filer's total
    $562,965
  • Becky Schutz

    MORTGAGE LOAN ORIGINATOR

    Total calculated
    $194,116
    From this org
    $170,645
    From related orgs
    $0
    Other
    $23,471
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $37,576
    Bonus
    $20,350
    Other
    $112,719
    Deferred
    $17,241
    Nontaxable benefits
    $6,230
    Filer's total
    $194,116
  • Chris Kasper

    SENIOR INFORMATION TECHNOLOGY MANAGER

    Total calculated
    $155,902
    From this org
    $125,420
    From related orgs
    $0
    Other
    $30,482
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $114,484
    Bonus
    $10,936
    Other
    $0
    Deferred
    $10,526
    Nontaxable benefits
    $19,956
    Filer's total
    $155,902
  • Jerald Pawlowicz

    FINANCIAL ADVISOR

    Total calculated
    $227,685
    From this org
    $194,652
    From related orgs
    $0
    Other
    $33,033
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $25,872
    Bonus
    $2,870
    Other
    $165,910
    Deferred
    $13,881
    Nontaxable benefits
    $19,152
    Filer's total
    $227,685
  • Jessica Bissenden

    VP OF HR

    Total calculated
    $146,960
    From this org
    $133,952
    From related orgs
    $0
    Other
    $13,008
    Hours/week
    37.5
  • Tara Steele

    BUSINESS LENDING MANAGER

    Total calculated
    $172,895
    From this org
    $150,642
    From related orgs
    $0
    Other
    $22,253
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $126,080
    Bonus
    $24,562
    Other
    $0
    Deferred
    $14,924
    Nontaxable benefits
    $7,329
    Filer's total
    $172,895

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
    $62,301,752
    Expenses
    $48,794,144
    Contributions
    $0
    Grants paid
    $16,000
  • 2024
    Revenue
    $56,966,918
    Expenses
    $42,851,901
    Contributions
    $0
    Grants paid
    $45,225
  • 2023
    Revenue
    $47,149,535
    Expenses
    $34,482,401
    Contributions
    $0
    Grants paid
    $16,000
  • 2022
    Revenue
    $40,430,087
    Expenses
    $27,503,013
    Contributions
    $0
    Grants paid
    $21,565

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
    $36,696,292
    Expenses
    $26,124,231
    Assets (EOY)
    $818,090,752
  • 2020 · 990

    Revenue
    $34,477,684
    Expenses
    $26,677,512
    Assets (EOY)
    $739,548,289
  • 2019 · 990

    Revenue
    $32,588,512
    Expenses
    $24,954,560
    Assets (EOY)
    $637,107,774
  • 2018 · 990

    Revenue
    $28,629,978
    Expenses
    $20,557,731
    Assets (EOY)
    $531,258,154
  • 2017 · 990

    Revenue
    $25,215,616
    Expenses
    $17,883,788
    Assets (EOY)
    $508,160,799
  • 2016 · 990

    Revenue
    $13,494,752
    Expenses
    $9,883,805
    Assets (EOY)
    $488,004,374

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.

Grants made

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.

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 2023 return

  • KCFCU PROPERTIES LLC

    BRANCH AND FACILITY RENTAL · MI · income $27,028 · assets $0

  • KCCU SERVICES LLC

    STAFFING SERVICES FOR CREDIT UNION · MI · income -$117 · assets $0

  • KCCU INSURANCE AGENCY LLC

    INSURANCE SERVICES · MI · income $47,822 · assets $0

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