Nonprofit · EIN 38-1844068
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 1110 COMMUNITY WEST CREDIT UNION
Tax-exempt · KENTWOOD, MI 49512
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $14,619,656 | $14,036,881 | $582,775 | $248,652,832 | $230,821,161 | $17,831,671 |
| December 31, 2024 | 990 | $14,662,988 | $14,654,824 | $8,164 | $244,701,744 | $230,154,719 | $14,547,025 |
| December 31, 2023 | 990 | $13,205,868 | $13,580,802 | -$374,934 | $256,963,658 | $243,067,555 | $13,896,103 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $12,175,517
- Investment income
- $2,444,139
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $691,776
- Other salaries and wages
- $3,420,895
- Salaries, compensation and benefits (total)
- $5,283,059
- Professional fundraising fees
- $0
- Legal fees
- $128,736
- Accounting fees
- $148,975
- Occupancy
- $417,485
- Travel
- $13,184
- Depreciation
- $506,096
Balance sheet and other
- Total assets, start of year
- $244,701,744
- Total assets, end of year
- $248,652,832
- Total liabilities, end of year
- $230,821,161
- Net assets, end of year
- $17,831,671
- Land, buildings and equipment
- $9,348,119
- Publicly traded securities
- $60,720,732
- Gross unrelated business income
- $17,777
- Gross receipts
- $14,619,656
- Employees
- 75
- Volunteers
- 8
- Year formed
- 1967
- 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 |
|---|---|---|---|---|
| HEIDI HUNT | CEO Officer | 40 | $292,726 | $35,856 |
| ZACHARIAH ADAM NORTON | CFO Officer | 40 | $154,496 | $31,570 |
| ROBERT LISTEN | CIO Highest-paid employee | 40 | $148,409 | $30,619 |
| KAREN VANTIL | COO Key employee | 40 | $152,496 | $24,632 |
| JENNIFER HARVEY | VP OF LEGAL & LOSS PREVENTION Highest-paid employee | 40 | $115,753 | $11,747 |
| SAMANTHA COTTLE | CRO Highest-paid employee | 40 | $102,440 | $24,548 |
| PAMELA HOVE | BOARD CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| BILL JONES | BOARD VICE CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| SHAWN MILLER | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
| BERNARD ZAHM | BOARD TREASURER Trustee or director | 2 | $0 | $0 |
| ZACHARY CHALTRY | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
| LISA KNAPP | BOARD SECRETARY Trustee or director | 2 | $0 | $0 |
| PHILLIP MINSTER | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
| ANGIE PAAUWE | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2024: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| HEIDI HUNT | CEO Officer | 40 | $252,213 | $30,757 |
| LINDSAY HAWLK | CFO (1/1/24-11/22/24) Officer | 40 | $172,803 | $26,475 |
| KAREN VANTIL | COO Highest-paid employee | 40 | $132,541 | $20,713 |
| ROBERT LISTEN | CIO Highest-paid employee | 40 | $126,811 | $26,170 |
| JENNIFER HARVEY | VP OF LEGAL & LOSS PREVENTION Highest-paid employee | 40 | $104,460 | $10,581 |
| ZACHARIAH ADAM NORTON | CFO Officer | 40 | $21,309 | $2,308 |
| PAMELA HOVE | BOARD CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| BILL JONES | BOARD VICE CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| SHAWN MILLER | BOARD SECRETARY Trustee or director | 2 | $0 | $0 |
| BERNARD ZAHM | BOARD TREASURER Trustee or director | 2 | $0 | $0 |
| ZACHARY CHALTRY | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
| LISA KNAPP | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
| ANGIE PAAUWE | BOARD CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| PHILLIP MINSTER | BOARD CHAIRPERSON Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| HEIDI HUNT | CEO Officer | 40 | $233,829 | $29,092 |
| LINDSAY HAWLK | CFO Officer | 40 | $136,111 | $24,405 |
| KAREN VANTIL | COO Highest-paid employee | 40 | $127,470 | $19,417 |
| ROBERT LISTEN | CIO Highest-paid employee | 40 | $120,495 | $19,730 |
| ALEXANDRIA BALDRIDGE | BOARD SECRETARY Trustee or director | 2 | $0 | $0 |
| PAMELA HOVE | BOARD CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| SHAWN MILLER | BOARD VICE CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| BILL JONES | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
| GORDON PLOEG | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
| LISA KNAPP | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
| SCOTT RATERINK | BOARD DIRECTOR Trustee or director | 2 | $0 | $0 |
| BERNARD ZAHM | BOARD TREASURER Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 5801 BROADMOOR AVE SE, KENTWOOD, MI 49512-9752
- Principal officer (990 for 2025)
- ADAM NORTON, 5801 BROADMOOR AVE SE, KENTWOOD, MI 49512
- Signed the 990
- ADAM NORTON, CFO
- Phone
- (616) 261-5657
- Return prepared by
- DOEREN MAYHEW
Mission
AS A STATE CHARTERED CREDIT UNION, WE PROVIDE COMPETITIVE RATES FOR OUR DEPOSITS AND LOANS. WE PROVIDE A FULL RANGE OF AFFORDABLE FINANCIAL SERVICES MEETING MOST PEOPLES' NEEDS. OUR GOAL IS TO BECOME THE PRIMARY FINANCIAL SERVICE PROVIDER FOR THE MAJORITY OF OUR MEMBERSHIP. BY USING OUR CAPITAL EFFECTIVELY, WE WILL PROVIDE APPROPRIATE INCOME LEVELS AND GENERATE A POSITIVE RETURN ON ASSETS.
Program accomplishments
- INTEREST PAID TO MEMBERS DEPOSITS, IRAS AND CERTIFICATES. THE PURPOSE IS TO PROVIDE INTEREST-BEARING SAVING DEPOSIT SERVICES TO OUR MEMBERS.
- LOAN SERVICING COSTS FOR LENDING PRODUCTS TO OUR MEMBERS.
- DATA PROCESSING EXPENSES REQUIRED TO PROVIDE LOAN AND DEPOSIT SERVICES TO OUR 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
- 38-1844068
- 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)
- $248,652,832
- Income (IRS master file)
- $14,619,656
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $14,619,656 | $14,036,881 | $248,652,832 | IRS |
| 990 | December 2024 | $14,662,988 | $14,654,824 | $244,701,744 | XML |
| 990 | December 2023 | $13,205,868 | $13,580,802 | $256,963,658 | XML |
| 990 | December 2022 | $11,042,659 | $11,480,930 | $270,578,061 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | 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 38-1844068).
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 38-1844068.
- 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 ADAM NORTON.
- 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 14 people; 6 received compensation from the organization, the highest $292,726 (HEIDI HUNT, 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 $14,619,656, expenses of $14,036,881 and total assets of $248,652,832 at year end.
Other nonprofits in KENTWOOD
- FEEDING AMERICA WEST MICHIGAN EIN 38-2439659 · last filed 990 for 2025
- UNITED FOOD AND COMMERCIAL WORKERS INTERNATIONAL UNION EIN 38-1651820 · last filed 990 for 2025
- GRAND VALLEY PREMIER SOCCER CLUB EIN 61-1404870 · last filed 990 for 2025
- CENTER FOR SOUND LITERACY FOUNDATION EIN 83-3374917 · last filed 990 for 2024
- PHOENIX SOCIETY INC EIN 23-2062352 · last filed 990 for 2024
- TRINITAS CLASSICAL ASSOCIATION EIN 20-5337994 · last filed 990 for 2025
- UFCW LOCAL 951 FOUNDATION EIN 38-3347392 · last filed 990 for 2025
- FOR THIS TIME MINISTRIES EIN 88-1108667 · last filed 990 for 2024