Nonprofit · EIN 38-6064790
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 257 FILER CREDIT UNION
Tax-exempt · MANISTEE, MI 49660
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $13,244,498 | $10,073,437 | $3,171,061 | $253,959,148 | $225,501,957 | $28,457,191 |
| December 31, 2024 | 990 | $12,009,346 | $10,127,719 | $1,881,627 | $236,137,876 | $214,083,484 | $22,054,392 |
| December 31, 2023 | 990 (amended) | $10,019,493 | $8,228,592 | $1,790,901 | $232,607,925 | $213,461,800 | $19,146,125 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $9,302,428
- Investment income
- $2,874,887
- Other revenue
- $1,067,183
Expenses
- Grants and similar amounts paid
- $25,000
- Compensation of officers, directors and key employees
- $423,473
- Other salaries and wages
- $2,428,770
- Salaries, compensation and benefits (total)
- $3,825,989
- Professional fundraising fees
- $0
- Occupancy
- $188,414
- Travel
- $35,121
- Depreciation
- $300,663
Balance sheet and other
- Total assets, start of year
- $236,137,876
- Total assets, end of year
- $253,959,148
- Total liabilities, end of year
- $225,501,957
- Net assets, end of year
- $28,457,191
- Land, buildings and equipment
- $4,843,066
- Publicly traded securities
- $78,294,288
- Gross unrelated business income
- $22,344
- Gross receipts
- $13,244,498
- Employees
- 56
- Volunteers
- 12
- Year formed
- 1951
- 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 |
|---|---|---|---|---|
| KYLE GURZYNSKI | CEO Officer | 40 | $207,704 | $36,916 |
| KACI KAMALOSKI | CFO Officer | 40 | $141,858 | $36,995 |
| RICHARD TETSWORTH | BOARD PRESIDENT Trustee or director | 1 | $0 | $0 |
| CYNTHIA WANGBICHLER | BOARD VICE PRESIDENT Trustee or director | 1 | $0 | $0 |
| CONSTANCE WATSON | BOARD SECRETARY/TREASURER Trustee or director | 1 | $0 | $0 |
| THOMAS BATZER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ZACHARY BIALIK | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| BRIAN KRUS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JEAN SOLTES | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARI MANKE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CHRIS TRESNEK | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| BONNIE COTE | BOARD EMERITUS Trustee or director | 1 | $0 | $0 |
| THOMAS MATERNOWSKI | BOARD EMERITUS Trustee or director | 1 | $0 | $0 |
| RANDY ZAKRAJSEK | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KYLE GURZYNSKI | CEO Officer | 40 | $171,323 | $35,495 |
| KACI KAMALOSKI | CFO Officer | 40 | $117,055 | $34,053 |
| RICHARD TETSWORTH | BOARD PRESIDENT Trustee or director | 1 | $0 | $0 |
| CYNTHIA WANGBICHLER | BOARD VICE PRESIDENT Trustee or director | 1 | $0 | $0 |
| CONSTANCE WATSON | BOARD SECRETARY/TREASURER Trustee or director | 1 | $0 | $0 |
| THOMAS BATZER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JAMES SIBLEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JEAN SOLTES | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ZACHARY BIALIK | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| BRIAN KRUS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RANDY ZAKRAJSEK | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARI MANKE | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CHRIS TRESNEK | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MITCH FOSTER | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| BONNIE COTE | BOARD EMERITUS Trustee or director | 1 | $0 | $0 |
| THOMAS MATERNOWSKI | BOARD EMERITUS Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KYLE GURZYNSKI | CEO Officer | 40 | $160,587 | $33,689 |
| KACI KAMALOSKI | CFO Officer | 40 | $110,079 | $31,838 |
| RICHARD TETSWORTH | BOD PRESIDENT Trustee or director | 1 | $0 | $0 |
| CONSTANCE WATSON | BOD VICE PRESIDENT Trustee or director | 1 | $0 | $0 |
| BONNIE COTE | BOD SECRETARY/TREASURER Trustee or director | 1 | $0 | $0 |
| THOMAS MATERNOWSKI | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JAMES SIBLEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JEAN SOLTES | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ZACHARY BIALIK | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CYNTHIA WANGBICHLER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BRIAN KRUS | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 375, MANISTEE, MI 49660-0375
- Principal officer (990 for 2025)
- KYLE GURZYNSKI, PO BOX 375, MANISTEE, MI 49660
- Signed the 990
- KYLE GURZYNSKI, CEO
- Phone
- (231) 723-3400
- Website
- WWW.FILERCU.COM
- Return prepared by
- DOEREN MAYHEW
Mission
DEVELOPING FINANCIAL WELLNESS THROUGH COMMUNITY RELATIONSHIPS AND EDUCATION.
Program accomplishments
- THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES, AND OTHER.
- THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE, BUSINESS, AND OTHER.
- THE CREDIT UNION PROVIDES A VARIETY OF ONLINE SERVICES FOR MEMBERS TO USE IN MANAGING THEIR FINANCES INCLUDING ONLINE BANKING, BILL PAY, P2P, BUDGETING, ETC.
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
- 38-6064790
- 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)
- $253,959,148
- Income (IRS master file)
- $13,244,498
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $13,244,498 | $10,073,437 | $253,959,148 | XML |
| 990 | December 2024 | $12,009,346 | $10,127,719 | $236,137,876 | XML |
| 990 | December 2023 | $10,019,493 | $8,228,592 | $232,607,925 | XML |
| 990 | December 2022 | $7,809,519 | $5,147,655 | $221,697,993 | 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 38-6064790).
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 38-6064790.
- 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 KYLE GURZYNSKI.
- 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; 2 received compensation from the organization, the highest $207,704 (KYLE GURZYNSKI, 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 $13,244,498, expenses of $10,073,437 and total assets of $253,959,148 at year end.
Other nonprofits in MANISTEE
- MUNSON HEALTHCARE MANISTEE HOSPITAL EIN 38-0350304 · last filed 990 for 2025
- MANISTEE COUNTY COMMUNITY EIN 38-2741723 · last filed 990 for 2025
- MANISTEE COUNTY COUNCIL ON AGING EIN 38-1949993 · last filed 990 for 2025
- MANISTEE AREA CONVENTION ADN VISITORS BUREAU INC EIN 38-3222063 · last filed 990 for 2025
- MANISTEE AREA CHAMBER OF COMMERCE EIN 38-0787580 · last filed 990 for 2025
- ECHO HIS LOVE INC EIN 38-3089903 · last filed 990 for 2025
- HISTORIC VOGUE THEATRE OF MANISTEE EIN 45-2281053 · last filed 990 for 2025
- LAKESHORE CHILDRENS ADVOCACY CENTER EIN 37-1576459 · last filed 990 for 2025