Nonprofit · EIN 38-1709772
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 43 COUNTRY HERITAGE CREDIT UNION
Tax-exempt · BUCHANAN, MI 49107
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2023 | 990 | $2,261,922 | $1,694,667 | $567,255 | $51,335,737 | $41,299,738 | $10,035,999 |
Financial details: 990 for the year ended December 31, 2023
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,557,590
- Investment income
- $643,194
- Other revenue
- $61,138
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $134,691
- Other salaries and wages
- $222,506
- Salaries, compensation and benefits (total)
- $438,080
- Professional fundraising fees
- $0
- Legal fees
- $1,400
- Accounting fees
- $22,301
- Occupancy
- $33,368
- Travel
- $2,551
- Depreciation
- $21,563
Balance sheet and other
- Total assets, start of year
- $54,298,473
- Total assets, end of year
- $51,335,737
- Total liabilities, end of year
- $41,299,738
- Net assets, end of year
- $10,035,999
- Land, buildings and equipment
- $246,617
- Publicly traded securities
- $1,749,473
- Gross receipts
- $2,261,922
- Employees
- 8
- Year formed
- 1932
- 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, 2023, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| FRANCES K TERRY | GENERAL MGR Officer | 60 | $131,103 | $3,588 |
| RICHARD KADING | BOARD MEMBER Trustee or director | – | $0 | $0 |
| WILLIAM R MESSNER | CHAIRPERSON Trustee or director, Officer | – | $0 | $0 |
| MALINDA COLE-CROCKER | VICE-CHAIRPE Trustee or director, Officer | – | $0 | $0 |
| JANET S KUHN | SECRETARY/TR Trustee or director, Officer | – | $0 | $0 |
| DARREN RADDE | BOARD MEMBER Trustee or director | – | $0 | $0 |
| TERRY HOLLOWAY | BOARD MEMBER Trustee or director | – | $0 | $0 |
| RALPH L MCDONALD JR | BOARD MEMBER Trustee or director | – | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 16580 BAKERTOWN RD, BUCHANAN, MI 49107-9201
- Principal officer (990 for 2023)
- WILLIAM R MESSNER, 2720 N OLD US 31, NILES, MI 49120
- Signed the 990
- FRANCES K TERRY, GENERAL MGR
- Phone
- (269) 695-2334
- Website
- WWW.COUNTRYHERITAGECU.COM
- Return prepared by
- SCARPONE & CO PC CPA'S
Mission
COUNTRY HERITAGE CREDIT UNION IS A STATE OF MICHIGAN CHARTERED CREDIT UNION. (SEE BELOW)
Program accomplishments
- COUNTRY HERITAGE CREDIT UNION IS A STATE OF MICHIGAN CHARTERED CREDIT UNION. ITS OPERATIONS ARE PRINCIPALLY RELATED TO HOLDING DEPOSITS AND MAKING LOANS TO INDIVIDUALS, BUSINESS ENTITIES, AND GROUPS MEETING THE MEMBERSHIP ELIGIBILITY REQUIREMENTS OF THE CREDIT UNION.
- COUNTRY HERITAGE CREDIT UNION IS A STATE OF MICHIGAN CHARTERED CREDIT UNION. ITS OPERATIONS ARE PRINCIPALLY RELATED TO HOLDING DEPOSITS AND MAKING LOANS TO INDIVIDUALS, BUSINESS ENTITIES, AND GROUPS MEETING THE MEMBERSHIP ELIGIBILITY REQUIREMENTS OF THE CREDIT UNION.
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 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | Not on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 38-1709772
- 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)
- $51,335,737
- Income (IRS master file)
- $2,261,922
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2023 | $2,261,922 | $1,694,667 | $51,335,737 | XML |
| 990 | December 2022 | $1,733,184 | $1,258,921 | $54,298,473 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 38-1709772).
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 38-1709772.
- 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 2023.
- Who is the principal officer of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2023 names WILLIAM R MESSNER.
- Who are the officers and directors of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2023 lists 8 people; 1 received compensation from the organization, the highest $131,103 (FRANCES K TERRY, GENERAL MGR).
- How much revenue does CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN have?
- On its 990 for the year ended December 31, 2023 it reported revenue of $2,261,922, expenses of $1,694,667 and total assets of $51,335,737 at year end.
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