Nonprofit · EIN 38-0996065
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 161 WILDFIRE CREDIT UNION
Tax-exempt · SAGINAW, MI 48604
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $69,464,361 | $65,079,519 | $4,384,842 | $1,170,809,206 | $1,043,257,203 | $127,552,003 |
| December 31, 2024 | 990 | $62,149,802 | $59,106,731 | $3,043,071 | $1,111,206,637 | $998,405,254 | $112,801,383 |
| December 31, 2023 | 990 | $49,757,946 | $50,005,824 | -$247,878 | $1,075,470,650 | $975,323,286 | $100,147,364 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $52,810,369
- Investment income
- $16,653,992
- Net gain from sales of assets
- $344,596
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $844,303
- Other salaries and wages
- $13,899,818
- Salaries, compensation and benefits (total)
- $17,929,085
- Professional fundraising fees
- $0
- Legal fees
- $74,773
- Accounting fees
- $170,876
- Occupancy
- $1,072,581
- Travel
- $328,479
- Depreciation
- $1,453,013
Balance sheet and other
- Total assets, start of year
- $1,111,206,637
- Total assets, end of year
- $1,170,809,206
- Total liabilities, end of year
- $1,043,257,203
- Net assets, end of year
- $127,552,003
- Land, buildings and equipment
- $16,142,150
- Gross unrelated business income
- $75,309
- Gross receipts
- $217,028,549
- Employees
- 226
- Volunteers
- 9
- Year formed
- 1937
- State of legal domicile
- MI
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BENJAMIN DENAY | PRESIDENT/CE Officer | 40 | $502,064 | $26,745 |
| ROBERT C TRUMBLE | CFO Officer | 40 | $316,078 | $82,245 |
| MARK SCHUILING | CHIEF TECHNO Highest-paid employee | 40 | $294,261 | $39,470 |
| TRACY KAUFMAN | CHIEF LENDIN Highest-paid employee | 40 | $259,448 | $48,841 |
| ANDREA HALES | CHIEF BUSINE Highest-paid employee | 40 | $211,151 | $32,319 |
| MICHAEL ZEIMEN | CHIEF DATA O Highest-paid employee | 40 | $208,249 | $29,546 |
| KIMBERLY EGELER | CHIEF BRANCH Highest-paid employee | 40 | $188,007 | $35,364 |
| DAVID C WERTH | CFO Officer | 40 | $73,228 | $3,615 |
| ANDREW BETHUNE | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| JENNA DOST | DIRECTOR Trustee or director, Officer | 2 | $0 | $0 |
| RODNEY L FRANCIS | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| RODNEY KLOHA | DIRECTOR Trustee or director | 2 | $0 | $0 |
| GENE ROUSSEAU | VICE CHAIRPE Trustee or director, Officer | 2 | $0 | $0 |
| JEANELLE SMITH | DIRECTOR Trustee or director | 2 | $0 | $0 |
| KEN VOELKER | CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
990 for the year ended December 31, 2024: 15 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TIMOTHY W BENECKE | PRESIDENT/CE Officer | 40 | $470,463 | $53,197 |
| ROBERT C TRUMBLE | CFO Officer | 40 | $316,219 | $84,123 |
| BENJAMIN DENAY | PRESIDENT/CE Officer | 40 | $339,329 | $23,349 |
| MARK SCHUILING | CHIEF TECHNO Highest-paid employee | 40 | $271,379 | $41,675 |
| TRACY KAUFMAN | CHIEF LENDIN Highest-paid employee | 40 | $236,899 | $48,828 |
| MICHAEL ZEIMEN | CHIEF DATA O Highest-paid employee | 40 | $208,249 | $33,553 |
| ANDREA HALES | CHIEF BUSINE Highest-paid employee | 40 | $191,391 | $37,025 |
| KIMBERLY EGELER | CHIEF BRANCH Highest-paid employee | 40 | $171,661 | $28,963 |
| ANDREW BETHUNE | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| JENNA DOST | VICE CHAIRPE Trustee or director, Officer | 2 | $0 | $0 |
| RODNEY L FRANCIS | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| GENE ROUSSEAU | DIRECTOR Trustee or director | 2 | $0 | $0 |
| JEANELLE SMITH | DIRECTOR Trustee or director | 2 | $0 | $0 |
| PAUL SUDHOFF | DIRECTOR Trustee or director | 2 | $0 | $0 |
| KEN VOELKER | CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TIMOTHY W BENECKE | PRESIDENT/CE Officer | 40 | $1,056,106 | $308,853 |
| ROBERT C TRUMBLE | CFO Officer | 40 | $331,751 | $83,888 |
| MARK SCHUILING | CHIEF TECHNO Highest-paid employee | 40 | $286,585 | $41,947 |
| TRACY KAUFMAN | CHIEF LENDIN Highest-paid employee | 40 | $250,062 | $47,455 |
| MICHAEL ZEIMEN | CHIEF DATA O Highest-paid employee | 40 | $219,896 | $35,259 |
| ANDREA HALES | CHIEF BUSINE Highest-paid employee | 40 | $198,124 | $35,725 |
| KIMBERLY EGELER | CHIEF BRANCH Highest-paid employee | 40 | $177,692 | $33,110 |
| ANDREW BETHUNE | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| JENNA DOST | VICE CHAIRPE Trustee or director, Officer | 2 | $0 | $0 |
| RODNEY L FRANCIS | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| GENE ROUSSEAU | DIRECTOR Trustee or director | 2 | $0 | $0 |
| JEANELLE SMITH | DIRECTOR Trustee or director | 2 | $0 | $0 |
| PAUL D SUDHOFF | DIRECTOR Trustee or director | 2 | $0 | $0 |
| KEN VOELKER | CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 6640 BAY RD, SAGINAW, MI 48604-9735
- Principal officer (990 for 2025)
- DAVID C WERTH, 6640 BAY ROAD, SAGINAW, MI 48604
- Signed the 990
- DAVID C WERTH, CFO
- Phone
- (989) 249-8200
- Website
- WWW.WILDFIRECU.ORG
- Return prepared by
- ANDREWS HOOPER PAVLIK PLC
Mission
TO PROVIDE LOW/NO COST FINANCIAL PRODUCTS AND SERVICES TO MEMBER OWNERS WHO SHARE A COMMON BOND.
Program accomplishments
- PROVIDED 49,856 MEMBERS WITH HIGH-YIELDING, NO COST SAVINGS AND TRANSACTION ACCOUNTS. THE TOTAL NUMBER OF ACCOUNTS IS 124,995 AND INCLUDES SHARE ACCOUNTS, CHECKING ACCOUNTS, SMALL BUSINESS DEPOSITS, CHRISTMAS CLUBS, IRAS, HIGH-YIELD ACCOUNTS AND CERTIFICATES OF DEPOSITS.
- PROVIDED 39,496 LOW RATE LOANS TO MEMBERS INCLUDING VEHICLE, MORTGAGE/HOME EQUITY, SMALL BUSINESS, CREDIT CARDS AND OTHER PERSONAL LOANS.
- PROVIDED NO/LOW COST FINANCIAL PRODUCTS AND SERVICES INCLUDING AUTOMATED TELLER MACHINE ACCESS, DEBIT CARDS, MONEY ORDERS, TRAVELERS CHECKS, AND WIRE TRANSFERS.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 38-0996065
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1956
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1359: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
- Assets (IRS master file)
- $1,170,809,206
- Income (IRS master file)
- $217,028,549
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $69,464,361 | $65,079,519 | $1,170,809,206 | XML |
| 990 | December 2024 | $62,149,802 | $59,106,731 | $1,111,206,637 | XML |
| 990 | December 2023 | $49,757,946 | $50,005,824 | $1,075,470,650 | XML |
| 990 | December 2022 | $42,338,523 | $37,350,013 | $1,031,748,656 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 38-0996065).
Questions about CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
- What is the EIN of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The employer identification number (EIN) of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN is 38-0996065.
- Is CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1956.
- Are donations to CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2025 names DAVID C WERTH.
- Who are the officers and directors of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2025 lists 15 people; 8 received compensation from the organization, the highest $502,064 (BENJAMIN DENAY, PRESIDENT/CE).
- How much revenue does CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $69,464,361, expenses of $65,079,519 and total assets of $1,170,809,206 at year end.
Other nonprofits in SAGINAW
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- GREAT LAKES BAY HEALTH CENTERS EIN 38-1908328 · last filed 990 for 2025
- SAGINAW COOPERATIVE HOSPITALS INC EIN 38-1870664 · last filed 990 for 2025
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN EIN 38-6066199 · last filed 990 for 2024
- LUTHERAN HOMES OF MICHIGAN INC EIN 38-1358410 · last filed 990 for 2024
- LUTHERAN CHILD & FAMILY SERVICE OF MICHIGAN EIN 38-1359524 · last filed 990 for 2024
- A & D CHARITABLE FOUNDATION INC EIN 38-3428303 · last filed 990 for 2025
- VISITING NURSE ASSOCIATION OF SAGINAW EIN 45-4929618 · last filed 990 for 2025