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Nonprofit · EIN 38-1536749

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

Also known as 384 EXTRA CREDIT UNION

Tax-exempt · WARREN, MI 48092

Financials

$24.2M$19.2M2023$26.1M$21.9M2024$31.6M$23.8M2025
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$31,576,257$23,795,839$7,780,418$336,287,147$281,207,813$55,079,334
December 31, 2024990$26,104,511$21,905,872$4,198,639$317,846,583$273,294,423$44,552,160
December 31, 2023990$24,218,411$19,212,785$5,005,626$311,717,527$274,068,248$37,649,279
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$28,042,165
Investment income
$3,534,092
Other revenue
$0

Expenses

Grants and similar amounts paid
$18,000
Compensation of officers, directors and key employees
$1,519,036
Other salaries and wages
$5,516,766
Salaries, compensation and benefits (total)
$9,442,371
Professional fundraising fees
$0
Legal fees
$268,464
Accounting fees
$73,939
Occupancy
$761,860
Depreciation
$620,667

Balance sheet and other

Total assets, start of year
$317,846,583
Total assets, end of year
$336,287,147
Total liabilities, end of year
$281,207,813
Net assets, end of year
$55,079,334
Land, buildings and equipment
$9,110,071
Gross unrelated business income
$142,542
Gross receipts
$31,576,257
Employees
105
Volunteers
8
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.

NameTitleHours / weekCompensationOther / benefits
DEIDRA WILLIAMSPRESIDENT/CEO
Officer
65$590,344$47,719
KRISTIN KASINECVP OF FINANCE
Officer
55$286,044$31,268
JAMES MCQUEENVP OF MEMBER SERVICES
Key employee
55$242,131$27,176
STACEY COMISKAAVP FINANCE
Highest-paid employee
50$180,021$28,719
RUTHANN VAROSIVP OF MARKETING
Key employee
55$164,930$22,717
PERRY SIMMONSAVP MEMBER RELATIONSHIP
Highest-paid employee
50$142,735$27,080
PAUL SHAMMASIT MANAGER
Highest-paid employee
50$150,229$11,433
MARY KAY OSGOODAVP RISK & COMPLIANCE
Highest-paid employee
50$135,269$25,255
GINA BELCOURTFRAUD OPERATIONS MANAGER
Highest-paid employee
50$127,945$22,616
JARED CHAUVINEXECUTIVE VICE PRESIDENT
Officer
55$105,942$765
ANNE COVERTCHAIRPERSON
Trustee or director
1$0$0
DONALD SLAGELVICE CHAIRPERSON
Trustee or director
1$0$0
JOHN PERMALOFFTREASURER
Trustee or director
1$0$0
CLAUDIA MULLINSECRETARY
Trustee or director
1$0$0
PHILLIP JANKOWSKIBOARD MEMBER
Trustee or director
1$0$0
3 more people on this return
NameTitleHours / weekCompensation
MICHAEL STROUDBOARD MEMBER
Trustee or director
1$0
KENNETH MEERSCHAERTBOARD MEMBER
Trustee or director
1$0
KURT SUTTONASSOCIATE BOARD DIRECTOR
Trustee or director
1$0
990 for the year ended December 31, 2024: 15 people
NameTitleHours / weekCompensationOther / benefits
DEIDRA WILLIAMSCEO
Officer
65$581,599$43,461
KRISTIN KASINECVP OF FINANCE
Officer
55$289,112$28,115
JAMES MCQUEENVP OF MEMBER SERVICES
Key employee
55$237,779$24,500
STACEY COMISKAAVP FINANCE
Highest-paid employee
50$173,774$26,069
RUTHANN VAROSIVP OF MARKETING
Highest-paid employee
55$145,148$19,801
MARY KAY OSGOODAVP OF RISK
Highest-paid employee
50$132,816$22,750
PAUL SHAMMASIT MANAGER
Highest-paid employee
50$144,311$10,224
PERRY SIMMONSAAVP MEMBER RELATIOSHIP
Highest-paid employee
50$127,271$24,234
ANNE COVERTCHAIRPERSON
Trustee or director
1$0$0
DONALD SLAGELVICE CHAIRPERSON
Trustee or director
1$0$0
JOHN PERMALOFFTREASURER
Trustee or director
1$0$0
CLAUDIA MULLINSECRETARY
Trustee or director
1$0$0
PHILLIP JANKOWSKIBOARD MEMBER
Trustee or director
1$0$0
MICHAEL STROUDBOARD MEMBER
Trustee or director
1$0$0
KENNETH MEERSCHAERTBOARD MEMBER
Trustee or director
1$0$0
990 for the year ended December 31, 2023: 15 people
NameTitleHours / weekCompensationOther / benefits
DEIDRA WILLIAMSCEO
Officer
60$549,899$43,723
KRISTIN KASINECVP OF FINANCE
Officer
50$275,545$27,984
JAMES MCQUEENVP OF MEMBER SERVICES
Key employee
50$228,492$24,547
STACEY COMISKAAVP FINANCE
Highest-paid employee
45$161,228$26,550
MARY KAY OSGOODAVP OF RISK
Highest-paid employee
45$132,424$22,005
CARRIE ROBERTSONAVP MEMBER SERVICE
Highest-paid employee
45$127,040$25,839
RUTHANN VAROSIAVP OF MARKETING
Highest-paid employee
45$130,233$20,467
PAUL SHAMMASIT MANAGER
Highest-paid employee
45$138,082$10,565
ANNE COVERTCHAIRPERSON
Trustee or director
1$0$0
DONALD SLAGELVICE CHAIRPERSON
Trustee or director
1$0$0
PHILLIP JANKOWSKITREASURER
Trustee or director
1$0$0
JOHN PERMALOFFSECRETARY
Trustee or director
1$0$0
CLAUDIA MULLINBOARD MEMBER
Trustee or director
1$0$0
MICHAEL STROUDBOARD MEMBER
Trustee or director
1$0$0
KENNETH MEERSCHAERTBOARD MEMBER
Trustee or director
1$0$0

Address and contacts

Address (IRS master file)
6611 CHICAGO RD, WARREN, MI 48092-1685
Principal officer (990 for 2025)
DEIDRA M WILLIAMS, 6611 CHICAGO ROAD, WARREN, MI 48092
Signed the 990
DEIDRA M WILLIAMS, CEO
Phone
(586) 276-3000
Return prepared by
DOEREN MAYHEW

Mission

TO ENHANCE THE FINANCIAL WELL-BEING OF MEMBERS AND POTENTIAL MEMBERS BY PROVIDING QUALITY, VALUE, AND CONVENIENCE IN OUR PRODUCTS AND SERVICES WHICH PROMOTES MEMBER CONFIDENCE AND LOYALTY WHILE MAINTAINING FINANCIAL STABILITY.

990 for the year ended December 31, 2025

Program accomplishments

  • PROVIDE 18,979 MEMBERS WITH REGULAR SHARES, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA, AND MONEY MARKET ACCOUNTS TOTALING $278,299,567.
  • PROVIDE LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, RECREATIONAL VEHICLE, AND HOME EQUITY LOANS TOTALING $186,127,477.
  • OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, INTERNATIONAL REMITTANCES, BILL PAYER, STUDENT SCHOLARSHIPS, OVERDRAFT PROTECTION/COURTESY PAY, FINANCIAL EDUCATION AND COUNSELING AND VARIOUS INSURANCE AND INVESTMENT 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
38-1536749
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)
$336,287,147
Income (IRS master file)
$31,576,257

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$31,576,257$23,795,839$336,287,147IRS
990December 2024$26,104,511$21,905,872$317,846,583XML
990December 2023$24,218,411$19,212,785$311,717,527XML
990December 2022$20,868,717$16,640,278$314,332,667IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2019–––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 38-1536749).

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 38-1536749.
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 DEIDRA M WILLIAMS.
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 18 people; 10 received compensation from the organization, the highest $590,344 (DEIDRA WILLIAMS, PRESIDENT/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 $31,576,257, expenses of $23,795,839 and total assets of $336,287,147 at year end.

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