Skip to main content
IRS-authorized e-file provider · not the IRS

Nonprofit · EIN 38-1524350

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

Also known as 0390 4FRONT CREDIT UNION

Tax-exempt · TRAVERSE CITY, MI 49685

Financials

$72.3M$68.2M2023$76.3M$76.8M2024
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, 2024990$76,251,267$76,831,381-$580,114$1,028,814,833$943,339,336$85,475,497
December 31, 2023990$72,347,605$68,221,104$4,126,501$1,086,820,765$1,004,190,107$82,630,658
Financial details: 990 for the year ended December 31, 2024

Revenue

Contributions, gifts and grants
$0
Program service revenue
$72,284,944
Investment income
$4,271,693
Net rental income
$684,176
Net gain from sales of assets
$75,825
Other revenue
-$305,370

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$1,789,125
Other salaries and wages
$15,916,316
Salaries, compensation and benefits (total)
$22,116,843
Professional fundraising fees
$0
Accounting fees
$43,613
Occupancy
$2,488,749
Travel
$83,828
Depreciation
$3,773,025

Balance sheet and other

Total assets, start of year
$1,086,820,765
Total assets, end of year
$1,028,814,833
Total liabilities, end of year
$943,339,336
Net assets, end of year
$85,475,497
Land, buildings and equipment
$47,622,924
Gross unrelated business income
$219,167
Gross receipts
$88,713,712
Employees
359
Volunteers
9
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, 2024, highest compensation first.

NameTitleHours / weekCompensationOther / benefits
ANDREW KEMPFCEO
Officer
40$552,349$84,960
KARL PAGELCFO
Officer
40$322,666$77,090
GEOFF STREITVP COMMERCIAL LENDING
Highest-paid employee
40$341,329$54,332
JACK MARTINCIO
Key employee
40$272,965$55,657
DANIEL BAKERCLO
Key employee
40$230,011$40,954
NATHAN PETERSONVP LENDING
Highest-paid employee
40$133,488$35,592
GREG SNOVERVP INFORMATION TECHNOLOGY
Highest-paid employee
40$122,154$36,552
SHELLEY DEYOUNGCOO - PART YEAR
Key employee
40$128,556$23,916
ABIGAIL HARTVP OPERATIONS
Highest-paid employee
40$133,264$14,401
RACHEL HUNTERCMO
Highest-paid employee
40$121,506$20,925
BRYAN LINDFORSVICE CHAIRMAN
Trustee or director, Officer
1$0$0
JOHN JACK HODGETREASURER
Trustee or director, Officer
1$0$0
MICHAEL SKYLER FORTSECRETARY
Trustee or director, Officer
1$0$0
TODD ROHRBACKCHAIRMAN OF THE BOARD
Trustee or director, Officer
1$0$0
BRIAN AUSDEMOREDIRECTOR
Trustee or director
1$0$0
4 more people on this return
NameTitleHours / weekCompensation
CHARLES HAGUEDIRECTOR
Trustee or director
1$0
JULIE KOSLOSKEYDIRECTOR
Trustee or director
1$0
MATILYN MATTIE MEADOWSDIRECTOR
Trustee or director
1$0
MIKE SLATERDIRECTOR
Trustee or director
1$0
990 for the year ended December 31, 2023: 16 people
NameTitleHours / weekCompensationOther / benefits
ANDREW KEMPFCEO
Officer
40$550,884$83,323
KARL PAGELCFO
Officer
40$334,137$72,616
GEOFF STREITVP COMMERCIAL LENDING
Highest-paid employee
40$345,171$53,764
SHELLEY DEYOUNGCOO
Highest-paid employee
40$246,732$41,728
JACK MARTINCIO
Highest-paid employee
40$232,421$24,471
DANIEL BAKERCLO
Highest-paid employee
40$212,185$38,308
RACHEL HUNTERCMO
Highest-paid employee
40$192,330$34,277
TODD ROHRBACKCHAIRMAN OF THE BOARD
Trustee or director, Officer
1$0$0
BRYAN LINDFORSVICE CHAIRMAN
Trustee or director, Officer
1$0$0
MICHAEL SKYLER FORTSECRETARY
Trustee or director, Officer
1$0$0
JOHN JACK HODGETREASURER
Trustee or director, Officer
1$0$0
CHARLES HAGUEDIRECTOR
Trustee or director
1$0$0
MIKE SLATERDIRECTOR
Trustee or director
1$0$0
BRIAN AUSDEMOREDIRECTOR
Trustee or director
1$0$0
JULIE KOSLOSKEYDIRECTOR
Trustee or director
1$0$0
MATILYN MATTIE MEADOWSDIRECTOR
Trustee or director
1$0$0

Address and contacts

Address (IRS master file)
PO BOX 795, TRAVERSE CITY, MI 49685-0795
Principal officer (990 for 2024)
ANDREW KEMPF, PO BOX 795, TRAVERSE CITY, MI 49685
Signed the 990
DAVE SEMAN, CHIEF FINANCIAL OFFICER
Phone
(231) 929-2000
Return prepared by
PLANTE & MORAN PLLC

Mission

TO PROVIDE FINANCIAL SERVICES TO MEMBERS WITH A COMMON BOND.

990 for the year ended December 31, 2024

Program accomplishments

  • THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES OF DEPOSITS AND OTHERS. THE TOTAL NUMBER OF MEMBERS AT 12/31/24 WAS 105,437.
  • THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARDS, VEHICLE AND OTHERS. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/24 WAS 55,885.

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, 2026Not on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
38-1524350
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)
$1,028,814,833
Income (IRS master file)
$88,713,712

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2024$76,251,267$76,831,381$1,028,814,833XML
990December 2023$72,347,605$68,221,104$1,086,820,765XML
990December 2022$56,680,662$45,227,865$1,009,844,526IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS
990December 2017–––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 38-1524350).

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 38-1524350.
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 December 31, 2025) is due May 15, 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 ANDREW KEMPF.
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 19 people; 10 received compensation from the organization, the highest $552,349 (ANDREW KEMPF, 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 $76,251,267, expenses of $76,831,381 and total assets of $1,028,814,833 at year end.

Other nonprofits in TRAVERSE CITY

All nonprofits in TRAVERSE CITY · Michigan