Nonprofit · EIN 38-1418180
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 1117 CHRISTIAN FINANCIAL CU
Tax-exempt · STERLING HTS, MI 48312
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $51,047,119 | $44,245,129 | $6,801,990 | $901,261,141 | $810,274,704 | $90,986,437 |
| December 31, 2023 | 990 | $43,516,428 | $36,934,405 | $6,582,023 | $847,893,640 | $764,264,921 | $83,628,719 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $45,710,598
- Investment income
- $5,336,521
- Net gain from sales of assets
- $510,627
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $47,151
- Compensation of officers, directors and key employees
- $742,802
- Other salaries and wages
- $11,794,167
- Salaries, compensation and benefits (total)
- $15,674,384
- Professional fundraising fees
- $0
- Legal fees
- $250,696
- Accounting fees
- $202,190
- Occupancy
- $1,155,014
- Travel
- $137,283
- Depreciation
- $959,004
Balance sheet and other
- Total assets, start of year
- $847,893,640
- Total assets, end of year
- $901,261,141
- Total liabilities, end of year
- $810,274,704
- Net assets, end of year
- $90,986,437
- Land, buildings and equipment
- $27,734,132
- Publicly traded securities
- $110,370,658
- Gross unrelated business income
- $1,580,032
- Gross receipts
- $52,896,216
- Employees
- 218
- Volunteers
- 10
- Year formed
- 1950
- 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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| PATRICIA CAMPBELL | PRESIDENT & CEO Officer | 40 | $545,987 | $45,283 |
| STEVEN ANDREWS | CHIEF ADMINISTRATION OFFICER Highest-paid employee | 40 | $179,862 | $27,170 |
| DAVID MAURER | CHIEF TECHNOLOGY OFFICER Highest-paid employee | 40 | $194,944 | $7,129 |
| REBEKAH MONROE | CHIEF MARKETING AND GROWTH Highest-paid employee | 40 | $170,197 | $29,789 |
| JAMES SPESHOCK | CHIEF OPERATIONS OFFICER Highest-paid employee | 40 | $164,758 | $21,883 |
| LAUREN FOGARTY | CHIEF DIGITAL STRATEGIES OFFICER Highest-paid employee | 40 | $166,371 | $15,065 |
| KEVIN MANKOWSKI | DIRECTOR OF ACCOUNTING & FINANCE Officer | 40 | $127,799 | $23,733 |
| JAMES BANASZAK | BOARD CHAIRMAN Trustee or director | 1 | $0 | $0 |
| MARK TUTTLE | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAUL AVERY | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| FRED ANDARY | BOARD TREASURER Trustee or director | 1 | $0 | $0 |
| JEFF MALACKO | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN AMRHEIN | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| LEE CASTIGLIONI | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| TAMIKA ANDERSON | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
2 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MICHAEL DOMZALSKI | BOARD DIRECTOR Trustee or director | 1 | $0 |
| TONY SHEREDA | BOARD VICE CHAIRPERSON Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| PATRICIA CAMPBELL | PRESIDENT & CEO Officer | 40 | $521,935 | $27,381 |
| STEVEN ANDREWS | CHIEF ADMINISTRATION OFFICER Highest-paid employee | 40 | $167,003 | $16,583 |
| REBEKAH MONROE | CHIEF MARKETING AND GROWTH OFFICER Highest-paid employee | 40 | $128,732 | $42,984 |
| LAUREN FOGARTY | CHIEF DIGITAL STRATEGIES OFFICER Highest-paid employee | 40 | $148,988 | $19,389 |
| JAMES SPESHOCK | CHIEF OPERATIONS OFFICER Highest-paid employee | 40 | $147,204 | $18,869 |
| DAVID MAURER | CHIEF TECHNOLOGY OFFICER Highest-paid employee | 40 | $155,656 | $4,814 |
| KEVIN MANKOWSKI | DIRECTOR OF ACCOUNTING & FINANCE Officer | 40 | $101,862 | $40,670 |
| VALLORIE MCBRIDE | CFO (1/1/23-2/27/23) Officer | 40 | $48,831 | $3,601 |
| JAMES BANASZAK | BOARD CHAIRMAN Trustee or director | 1 | $0 | $0 |
| MARK TUTTLE | BOARD VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| PAUL AVERY | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| FRED ANDARY | BOARD TREASURER Trustee or director | 1 | $0 | $0 |
| JEFF MALACKO | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN AMRHEIN | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| KIM REGENER | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| LEE CASTIGLIONI | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHAEL DOMZALSKI | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| TAMIKA ANDERSON | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
| TONY SHEREDA | BOARD DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 35100 VAN DYKE AVE, STERLING HTS, MI 48312-3553
- Principal officer (990 for 2024)
- PATRICIA CAMPBELL, 35100 VAN DYKE AVENUE, STERLING HEIGHTS, MI 48312
- Signed the 990
- PATRICIA CAMPBELL, PRESIDENT & CEO
- Phone
- (586) 772-6330
- Website
- WWW.CHRISTIANFINANCIALCU.COM
- Return prepared by
- DOEREN MAYHEW
Mission
CHRISTIAN FINANCIAL SERVICES NEARLY 55,700 MEMBERS IN METROPOLITAN DETROIT. CHARTERED IN 1950 THE CREDIT UNION'S MISSION IS TO PROVIDE MEMBERS CUSTOMIZED SOLUTIONS TO ENHANCE THEIR FINANCIAL WELL-BEING THROUGH A TRUSTED PARTNERSHIP WITH A DEDICATED TEAM OF PROFESSIONALS FOCUSED ON EXCEEDING THEIR EXPECTATIONS.
Program accomplishments
- THE CREDIT UNION ORIGINATED $177.4 MILLION IN LOANS TO MEMBERS DURING 2024. LOANS ARE GENERALLY ORIGINATED AT OR BELOW MARKET INTEREST RATES HIGHLIGHTING MEMBER LOYALTY.
- THE CREDIT UNION OFFERS CONVENIENT DELIVERY CHANNELS FOR MEMBERS WHERE WE FULLY ABSORB THE COST OF THE ABILITY TO USE OVER 30,000 ATMS, ACCESS TO THE SHARED BRANCHING NETWORK WITH OVER 5,600 OUTLETS NATIONWIDE, FREE ACCESS TO ONLINE BANKING AND BILL PAYMENT FOR ALL CONSUMERS.
- THE CREDIT UNION COMPLETED A WEBSITE AND SYSTEM OVERHAUL IN 2024. THE WEBSITE AND SYSTEM OVERHAUL CONTINUES TO IMPROVE THE MEMBER EXPERIENCE BY MAKING IT EASIER FOR MEMBERS TO ACCESS LENDING AND SAVINGS PRODUCTS.
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 June, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | June 30, 2026 | November 16, 2026 | Not due yet |
| 2024 | June 30, 2025 | November 17, 2025 | Not on file |
| 2023 | June 30, 2024 | November 15, 2024 | Check at the IRS |
IRS record
- EIN
- 38-1418180
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1956
- Accounting year ends
- June
- Files
- Form 990 or 990-EZ
- Group exemption
- 1359: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
- Assets (IRS master file)
- $901,261,141
- Income (IRS master file)
- $52,896,216
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $51,047,119 | $44,245,129 | $901,261,141 | IRS |
| 990 | December 2023 | $43,516,428 | $36,934,405 | $847,893,640 | XML |
| 990 | December 2022 | $35,732,823 | $29,590,642 | $819,959,969 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | 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 38-1418180).
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 38-1418180.
- 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 2025 (the year ending June 30, 2026) is due November 16, 2026. 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 2024.
- Who is the principal officer of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2024 names PATRICIA CAMPBELL.
- Who are the officers and directors of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2024 lists 17 people; 7 received compensation from the organization, the highest $545,987 (PATRICIA CAMPBELL, PRESIDENT & CEO).
- How much revenue does CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $51,047,119, expenses of $44,245,129 and total assets of $901,261,141 at year end.
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