Nonprofit · EIN 38-1464920
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 414 UNIVERSITY OF MICHIGAN CU, Theta Gamma AHB
Tax-exempt · ANN ARBOR, MI 48104
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $84,989,667 | $77,297,519 | $7,692,148 | $1,410,845,896 | $1,259,611,888 | $151,234,008 |
| December 31, 2024 | 990 | $89,479,393 | $68,108,376 | $21,371,017 | $1,353,392,856 | $1,213,065,076 | $140,327,780 |
| December 31, 2023 | 990 | $64,479,602 | $56,414,136 | $8,065,466 | $1,357,882,173 | $1,242,218,338 | $115,663,835 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $78,499,098
- Investment income
- $5,652,886
- Net rental income
- $73,095
- Other revenue
- $837,683
Expenses
- Grants and similar amounts paid
- $10,000
- Compensation of officers, directors and key employees
- $3,534,452
- Other salaries and wages
- $16,735,320
- Salaries, compensation and benefits (total)
- $26,604,464
- Professional fundraising fees
- $0
- Accounting fees
- $215,097
- Occupancy
- $1,974,940
- Travel
- $85,994
- Depreciation
- $3,248,592
Balance sheet and other
- Total assets, start of year
- $1,353,392,856
- Total assets, end of year
- $1,410,845,896
- Total liabilities, end of year
- $1,259,611,888
- Net assets, end of year
- $151,234,008
- Land, buildings and equipment
- $62,728,679
- Publicly traded securities
- $38,236,405
- Gross unrelated business income
- $64,065
- Gross receipts
- $84,999,787
- Employees
- 272
- Volunteers
- 10
- Year formed
- 1954
- 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 |
|---|---|---|---|---|
| TIFFANY FORD | CEO Officer | 40 | $1,452,971 | $19,000 |
| DONNA DICKERSON DOLEMAN | CHIEF MARKETING OFFICER Key employee | 40 | $344,109 | $48,255 |
| MARCUS ENGLISH | CHIEF OPERATIONS OFFICER Key employee | 40 | $347,331 | $37,517 |
| DEANNE RAMOS | CHIEF FINANCIAL OFFICER Officer | 40 | $345,467 | $37,517 |
| PATRICIA KEENE | CHIEF HUMAN RESOURCES OFFICER Key employee | 40 | $284,848 | $21,347 |
| XIANG WU | CHIEF TECHNOLOGY OFFICER Key employee | 40 | $265,486 | $32,570 |
| TINA HAMILTON | CHIEF LENDING OFFICER Key employee | 40 | $273,127 | $24,907 |
| MINAL KAMAT | VP OF BRANCH OPERATIONS Highest-paid employee | 40 | $196,743 | $35,294 |
| ERICA BOTKA | VP OF TALENT Highest-paid employee | 40 | $203,515 | $15,184 |
| RASHMI HURST | AVP OF BRAND AND MARKETING Highest-paid employee | 40 | $175,027 | $32,020 |
| BRITTANY ZIELINSKI | VP OF BRANCH OPERATIONS Highest-paid employee | 40 | $178,298 | $19,378 |
| JOSEPH LOUIS-FERDINAND | IT MANAGER Highest-paid employee | 40 | $161,550 | $29,179 |
| EARL BELL | CHAIRPERSON Trustee or director | 3 | $0 | $0 |
| LUKELAND GENTLES | VICE CHAIRPERSON Trustee or director | 3 | $0 | $0 |
| KAREN PARKER | SECRETARY Trustee or director | 3 | $0 | $0 |
6 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| VICTORIA BENNETT | TREASURER Trustee or director | 3 | $0 |
| FRANK CIANCIOLA | DIRECTOR Trustee or director | 3 | $0 |
| BENJIE JOHNSON | DIRECTOR Trustee or director | 3 | $0 |
| MARY KRASNY | DIRECTOR Trustee or director | 3 | $0 |
| JAMES MIDDLEMAS | DIRECTOR Trustee or director | 3 | $0 |
| QUINTA VREEDE | DIRECTOR Trustee or director | 3 | $0 |
990 for the year ended December 31, 2024: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TIFFANY FORD | PRESIDENT/CEO Officer | 40 | $1,404,508 | $20,327 |
| DONNA DOLEMAN | CHIEF MARKETING OFFICER Key employee | 40 | $329,931 | $47,888 |
| DEANNE RAMOS | CHIEF FINANCIAL OFFICER Officer | 40 | $320,748 | $35,032 |
| MARCUS ENGLISH | CHIEF OPERATIONS OFFICER Key employee | 40 | $274,285 | $30,851 |
| TINA HAMILTON | CHIEF LENDING OFFICER Key employee | 40 | $261,227 | $24,370 |
| PATRICIA KEENE | CHIEF HUMAN RESOURCES OFFICER Key employee | 40 | $254,231 | $21,958 |
| XIANG WU | CHIEF TECHNOLOGY OFFICER Key employee | 40 | $225,739 | $28,114 |
| JOSEPH LOUIS-FERDINAND | NETWORK ADMIN MANAGER Highest-paid employee | 40 | $154,902 | $27,812 |
| ROBIN CAMPBELL | ADMIN ASSISTANT Highest-paid employee | 53 | $159,837 | $17,802 |
| ERICA BOTKA | AVP OF HUMAN RESOURCES Highest-paid employee | 40 | $160,390 | $16,744 |
| MINAL KAMAT | VP OF BRANCH OPERATIONS Highest-paid employee | 40 | $137,039 | $29,501 |
| MIKE WORK | PROGRAMMING MANAGER Highest-paid employee | 40 | $142,419 | $12,658 |
| EARL BELL | CHAIRPERSON Trustee or director | 3 | $0 | $0 |
| LUKELAND GENTLES | VICE CHAIRPERSON Trustee or director | 3 | $0 | $0 |
| KAREN PARKER | SECRETARY Trustee or director | 3 | $0 | $0 |
| VICTORIA BENNETT | TREASURER Trustee or director | 3 | $0 | $0 |
| FRANK CIANCIOLA | DIRECTOR Trustee or director | 3 | $0 | $0 |
| BENJIE JOHNSON | DIRECTOR Trustee or director | 3 | $0 | $0 |
| MARY KRASNY | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JAMES MIDDLEMAS | DIRECTOR Trustee or director | 3 | $0 | $0 |
| QUINTA VREEDE | DIRECTOR Trustee or director | 3 | $0 | $0 |
990 for the year ended December 31, 2023: 22 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TIFFANY FORD | PRESIDENT/CEO Officer | 40 | $1,297,318 | $19,000 |
| DONNA DOLEMAN | CHIEF MARKETING OFFICER Key employee | 40 | $304,507 | $41,009 |
| DEANNE RAMOS | CHIEF FINANCIAL OFFICER Officer | 40 | $279,231 | $31,294 |
| MARCUS ENGLISH | CHIEF OPERATING OFFICER Key employee | 40 | $269,536 | $28,298 |
| PATRICIA KEENE | CHIEF HUMAN RESOURCES OFFI Key employee | 40 | $253,808 | $22,919 |
| TINA HAMILTON | CHIEF LENDING OFFICER Key employee | 40 | $238,883 | $23,807 |
| XIANG WU | CHIEF TECHNOLOGY OFFICER Key employee | 40 | $223,913 | $26,860 |
| TOMAS KUSLIKIS SR | CHIEF FINANCIAL OFFICER Officer | 40 | $188,318 | $23,908 |
| JOSEPH LOUIS-FERDINAND | NETWORK ADMIN MANAGER Highest-paid employee | 40 | $147,103 | $31,599 |
| MINAL KAMAT | AVP BRANCH OPERATIONS Highest-paid employee | 40 | $135,805 | $28,895 |
| ROBIN CAMPBELL | EXECUTIVE ASSISTANT Highest-paid employee | 53 | $127,882 | $12,602 |
| ERICA BOTKA | AVP OF HUMAN RESOURCES Highest-paid employee | 40 | $123,668 | $11,774 |
| AMY STARKEY | MANAGER OF REAL ESTATE LENDING Highest-paid employee | 40 | $119,929 | $11,748 |
| EARL BELL | CHAIRPERSON Trustee or director | 3 | $0 | $0 |
| LUKELAND GENTLES | VICE CHAIRPERSON Trustee or director | 3 | $0 | $0 |
| KAREN PARKER | SECRETARY Trustee or director | 3 | $0 | $0 |
| VICTORIA BENNETT | TREASURER Trustee or director | 3 | $0 | $0 |
| FRANK CIANCIOLA | DIRECTOR Trustee or director | 3 | $0 | $0 |
| BENJIE JOHNSON | DIRECTOR Trustee or director | 3 | $0 | $0 |
| MARY KRASNY | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JAMES MIDDLEMAS | DIRECTOR Trustee or director | 3 | $0 | $0 |
| QUINTA VREEDE | DIRECTOR Trustee or director | 3 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 340 E HURON ST STE 100, ANN ARBOR, MI 48104-1946
- Mailing address (990-N for 2013)
- 1019 Watersmeet Dr, Oxford MI 48371
- Principal officer (990 for 2025)
- DEANNE RAMOS, 340 E HURON, ANN ARBOR, MI 48104
- Principal officer (990-N for 2013)
- Jason Bailey, 1019 Watersmeet Dr, Oxford MI 48371
- Signed the 990
- DEANNE RAMOS, CHIEF FINANCIAL OFFICER
- Phone
- (734) 662-8200
- Return prepared by
- DOEREN MAYHEW
Mission
FINANCIAL SERVICES. THE UNIVERSITY OF MICHIGAN CREDIT UNION IS A FINANCIAL INSTITUTION CHARTERED IN THE STATE OF MICHIGAN. THE CREDIT UNION PROVIDES A WIDE RANGE OF FINANCIAL SERVICES TO THE MEMBER/OWNERS AT A REASONABLE COST.
Program accomplishments
- PROVIDE 122,134 MEMBERS WITH REGULAR SHARES, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA, CLUB, AND BUSINESS WITH AN AGGREGATE BALANCE THAT APPROXIMATED $1,089,911,000 AS OF DECEMBER 31, 2025.
- PROVIDE 81,128 LOANS INCLUDING VEHICLE, CREDIT CARD, UNSECURED, STUDENT, INDIRECT, RECREATIONAL VEHICLE, MORTGAGE, BUSINESS, OVERDRAFT LINES OF CREDIT, AND CREDIT BUILDER WITH BALANCES AGGREGATING APPROXIMATELY $1,117,429,000 AS OF DECEMBER 31, 2025.
- OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, BILL PAY, OVERDRAFT PROTECTION/COURTESY PAY, VARIOUS INSURANCE AND INVESTMENT PRODUCTS TO ALL ELIGIBLE MEMBERS.
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
- 38-1464920
- 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)
- $1,410,845,896
- Income (IRS master file)
- $84,999,787
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $84,989,667 | $77,297,519 | $1,410,845,896 | IRS |
| 990 | December 2024 | $89,479,393 | $68,108,376 | $1,353,392,856 | IRS |
| 990 | December 2023 | $64,479,602 | $56,414,136 | $1,357,882,173 | XML |
| 990 | December 2022 | $52,711,293 | $44,293,607 | $1,361,434,664 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
| 990-N for 2013 Officer: Jason Bailey | December 31, 2013 | ≤ $50,000 receipts | – | – | e-Postcard |
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 38-1464920).
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 38-1464920.
- 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 DEANNE RAMOS.
- 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 21 people; 12 received compensation from the organization, the highest $1,452,971 (TIFFANY FORD, CEO).
- 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 $84,989,667, expenses of $77,297,519 and total assets of $1,410,845,896 at year end.
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