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Nonprofit · EIN 38-1504660

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

Also known as 1183 WEXFORD COMMUNITY CREDIT UNION

Tax-exempt · CADILLAC, MI 49601

Financials

$4.6M$4.2M2023$5.1M$4.9M2024$5.2M$5.4M2025
Revenue Expenses · by fiscal year end
Financials of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$5,157,115$5,353,797-$196,682$83,592,619$77,034,078$6,558,541
December 31, 2024990$5,061,616$4,851,353$210,263$84,143,370$78,051,677$6,091,693
December 31, 2023990$4,646,021$4,225,887$420,134$79,644,073$74,086,512$5,557,561
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$3,951,792
Investment income
$1,191,199
Net rental income
$14,124
Other revenue
$14,124

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$416,285
Other salaries and wages
$1,821,935
Salaries, compensation and benefits (total)
$2,688,663
Professional fundraising fees
$0
Occupancy
$128,037
Travel
$23,856
Depreciation
$210,569

Balance sheet and other

Total assets, start of year
$84,143,370
Total assets, end of year
$83,592,619
Total liabilities, end of year
$77,034,078
Net assets, end of year
$6,558,541
Land, buildings and equipment
$5,057,332
Publicly traded securities
$17,400,446
Gross unrelated business income
$10,188
Gross receipts
$5,157,115
Employees
50
Volunteers
7
Year formed
1953
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.

NameTitleHours / weekCompensationOther / benefits
JULIE RUSHINGCEO
Officer
40$171,431$52,487
LEVON GARBOOSHIANCFO
Officer
40$138,684$53,683
SHANI PERRYCOO40$43,918$14,785
MARGARET ELMOREChairman
Trustee or director
1$0$0
RICHARD GIDDENSDirector
Trustee or director
1$0$0
ERIC GILDNERSecretary
Trustee or director
1$0$0
LORETTA OLSENDirector
Trustee or director
1$0$0
CARL OUWINGADirector
Trustee or director
1$0$0
HAROLD MEEUWESDirector
Trustee or director
1$0$0
MARGO COPLEYDirector
Trustee or director
1$0$0
990 for the year ended December 31, 2024: 9 people
NameTitleHours / weekCompensationOther / benefits
JULIE RUSHINGCEO
Officer
40$160,370$44,369
SHANI PERRYCOO
Officer
40$120,833$45,791
LEVON GARBOOSHIANCFO
Officer
40$114,388$35,567
MARGARET ELMOREChairman
Trustee or director
1$0$0
RICHARD GIDDENSDirector
Trustee or director
1$0$0
ERIC GILDNERDirector
Trustee or director
1$0$0
LORETTA OLSENDirector
Trustee or director
1$0$0
CARL OUWINGADirector
Trustee or director
1$0$0
HAROLD MEEUWESDirector
Trustee or director
1$0$0
990 for the year ended December 31, 2023: 9 people
NameTitleHours / weekCompensationOther / benefits
JULIE RUSHINGCEO
Officer
40$149,422$24,487
SHANI PERRYVice President
Officer
40$111,315$28,525
LEVON GARBOOSHIANCFO
Officer
40$107,884$19,046
MARGARET ELMOREChairman
Trustee or director
0$0$0
ERIC GILDNERSecretary
Trustee or director
0$0$0
LORETTA OLSENDirector
Trustee or director
0$0$0
CARL OUWINGADirector
Trustee or director
0$0$0
PHILIP POTVINDirector
Trustee or director
0$0$0
HAROLD MEEUWESDirector
Trustee or director
0$0$0

Address and contacts

Address (IRS master file)
1015 WILCOX ST, CADILLAC, MI 49601-2527
Principal officer (990 for 2025)
JULIE RUSHING, 1015 WILCOX ST, CADILLAC, MI 49601
Signed the 990
JULIE RUSHING, President & CEO
Phone
(231) 775-2081
Return prepared by
FINANCIAL STANDARDS GROUP INC

Mission

TO PROVIDE QUALITY FINANCIAL SERVICES AT FAIR RATES AND TERMS TO MEET OUT MEMBERS' NEEDS. WE STRIVE TOWARD EXCELLENCE AND ACHIEVEMENT THROUGH SERVICE TO OUR MEMBERS.

990 for the year ended December 31, 2025

Program accomplishments

  • PROVIDE 8,124 MEMBERS WITH REGULAR SHARES, MONEY MARKET, SHARE DRAFT, IRA, AND CERTIFICATE OF DEPOSIT ACCOUNTS AS OF DECEMBER 31, 2025.
  • PROVIDE 11,620 LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, HOME EQUITY, AND CREDIT CAR LOANS, AS OF DECEMBER 31, 2025.
  • OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELLERS CHECKS, BILL PAY, OVERDRAFT/COURTESY PAY AND VARIOUS INSURANCE PROGRAMS.

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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
38-1504660
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
Assets (IRS master file)
$83,592,619
Income (IRS master file)
$5,157,115

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$5,157,115$5,353,797$83,592,619XML
990December 2024$5,061,616$4,851,353$84,143,370XML
990December 2023$4,646,021$4,225,887$79,644,073XML
990December 2022$5,024,075$3,719,833$80,530,754IRS
990December 2021–––IRS
990December 2020–––IRS
990December 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 38-1504660).

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 38-1504660.
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 JULIE RUSHING.
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 10 people; 3 received compensation from the organization, the highest $171,431 (JULIE RUSHING, 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 $5,157,115, expenses of $5,353,797 and total assets of $83,592,619 at year end.

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