2026-03-09T11:45:06-07:00 2025-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2025-01-01 381448844 MICHIGAN UNITED CREDIT UNION MICH 2486475958 3501 HAMLIN RD AUBURN HILLS MI 48326 ANDREW STALEY President & CEO 2026-03-09 true Thomas Cvinar P00743293 8005225820 2025 2025-03-06 01:10:19Z X ANDREW STALEY 3501 HAMLIN RD AUBURN HILLS MI 48326 18513861 false X HTTPS://MICHIGANUNITEDCU.ORG X 1931 MI WE STRIVE TO IMPROVE THE FINANCIAL LIVES OF OUR MEMBERS THROUGH EDUCATION, TRUST, AND INNOVATIVE PRODUCTS AND SERVICES. 12 12 106 13 13868 0 13491202 14269566 3227309 4244295 0 16718511 18513861 0 0 6382691 7442766 0 0 8008238 7145792 14390929 14588558 2327582 3925303 331606562 335809779 294605369 294829865 37001193 40979914 WE STRIVE TO IMPROVE THE FINANCIAL LIVES OF OUR MEMBERS THROUGH EDUCATION, TRUST, AND INNOVATIVE PRODUCTS AND SERVICES. false false THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF ACTIVE MEMBERS AT 12/31/2025 WAS 24,143. THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 14,979. OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELER'S CHECKS, COURTESY PAY, FINANCIAL EDUCATION & COUNSELING AND VARIOUS INSURANCE PROGRAMS. false false false false false false false false false true true false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true 2792 0 true 106 true true true false false false false false false false X 12 12 false false false false true true true true false false true true false true true true true true true true false X ANDREW STALEY 2486475958 3501 HAMLIN RD AUBURN HILLS MI 48326 ANDREW STALEY President & CEO 40.00 0.00 X 367469 0 53794 STACY WILSON Vice President 40.00 0.00 X 198278 0 17180 GERRY COYNE Vice President 40.00 0.00 X 167180 0 36025 VICKI BRIDSON CFO 40.00 0.00 X 140244 0 33831 ANNETTE SWIDWINSKI Vice President 40.00 0.00 X 140623 0 12568 JAMES BOEHLER Vice President 40.00 0.00 X 110666 0 34766 JESSICA ALDRICH Vice President 40.00 0.00 X 101004 0 33907 LEEANN ZELIASKO Vice President 40.00 0.00 X 103245 0 30397 DEANNA KOEN Vice President 40.00 0.00 X 94938 0 33408 RICHARD PERRY Chairman 1.00 0.00 X 0 0 0 JAMES STEVENSON Director 1.00 0.00 X 0 0 0 NORMAN JUCHNO Secretary 1.00 0.00 X 0 0 0 ELIZABETH MOREHOUSE Treasurer 1.00 0.00 X 0 0 0 ROBERT KUPFER Director 1.00 0.00 X 0 0 0 LESLIE LOGAN Director 1.00 0.00 X 0 0 0 GLEN MITCHELL Director 1.00 0.00 X 0 0 0 GREG FISHER Director 1.00 0.00 X 0 0 0 GEORGE WIEGAND Director 1.00 0.00 X 0 0 0 STEVEN TAYLOR Director 1.00 0.00 X 0 0 0 1423647 285876 8 false true false CUANSWERS 6000 28TH ST GRAND RAPIDS MI 49546 DATA PROCESSING 748724 HEALTH ALLIANCE PLAN 2850 W GRAND BLVD DETROIT MI 48202 HEALTH INSURANCE 712845 FIS 11601 ROOSEVELT BLVD ST PETERSBURG FL 337162202 PLASTICS PROCESSOR 692188 Marquis Software Solutions 5208 Tennyson Pkwy Suite 120 PLANO TX 75024 DIGITAL SOLUTIONS 187369 DIEBOLD NIXDORF INC 350 ORCHARD AVE NE CANTON OH 44720 ATM SERVICES 439806 9 0 FEES AND CHARGES 525990 1244588 1242198 2390 INSURANCE RELATED REVENUE 524298 2200 2200 INTERCHANGE INCOME 525990 1303072 1303072 INTEREST ON LOANS 522100 11710428 11710428 NON MEMBER ATM FEES 525990 8478 8478 800 800 14269566 4244295 4244295 0 0 0 0 0 0 0 0 18513861 18499993 13868 0 0 0 0 1709523 0 3852642 268701 1157486 454414 0 17943 0 0 0 0 0 540332 1569266 622351 0 1084152 141560 0 0 1792708 13915 415952 82881 LOAN SERVICING EXPENSE 640751 CDI AMORTIZATION 299213 PRO SERVICES 170602 MISC 166925 -412759 14588558 0 0 0 3153647 2852169 62915759 30751881 0 369120 419178 0 0 205294724 224554776 0 1185741 596167 13082880 2751861 10352107 10331019 9105719 36235153 34160094 25588714 0 878682 579469 4190969 3901253 331606562 335809779 1216080 2501644 293389289 292328221 294605369 294829865 X 37001193 40979914 37001193 40979914 331606562 335809779 3925303 53418 X false true X false false 2817263 2817263 7181219 1205035 5976184 130015 130015 543623 319838 223785 2410760 1096973 1313787 10331019 25588714 SHARES 292328221 292328221 X X false false false ANDREW STALEY President & CEO 317469 50000 28000 25794 421263 ANNETTE SWIDWINSKI Vice President 129551 11072 11058 1510 153191 GERRY COYNE Vice President 152121 15059 13413 22612 203205 STACY WILSON Vice President 171118 27160 15670 1510 215458 VICKI BRIDSON CFO 129172 11072 11219 22612 174075 Form 990, Part VI, Section A, Line 6 THE CREDIT UNION HAS SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING Form 990, Part VI, Section A, Line 7a THE BOARD OF DIRECTORS ARE ELECTED FOR THREE YEAR TERMS AT THE ANNUAL MEETING IN MARCH OF EACH YEAR ON A ROTATING BASIS. Form 990, Part VI, Section A, Line 7b CREDIT UNION DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE MERGERS. Form 990, Part VI, Section B, Line 11b A REVIEW IS CONDUCTED BY THE CEO/PRESIDENT PRIOR TO SUBMISSION TO THE IRS. COPIES ARE MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW. Form 990, Part VI, Section B, Line 12c POLICY IS REVIEWED ANNUALLY, AT WHICH TIME DISCLOSURES, IF ANY, ARE REVIEWED. Form 990, Part VI, Section B, Line 15a THE CEO/PRESIDENT'S COMPENSATION IS REVIEWED ANNUALLY BASED ON PERFORMANCE. THE BOARD OF DIRECTORS UTILIZE SALARY SURVEYS TO APPROVE COMPENSATION. A COMPENSATION SURVEY IS USED AND REVIEWED WITH THE BOARD OF DIRECTORS. THE CEO/PRESIDENT CONDUCTS THE REVIEW OF THE EXECUTIVE VICE PRESIDENT . Form 990, Part VI, Section B, Line 15b THE CEO/PRESIDENT CONDUCTS THE REVIEW OF THE EXECUTIVE VICE PRESIDENTS. Form 990, Part VI, Section C, Line 19 FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST.