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Nonprofit · EIN 38-6084711

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

Also known as 488 GRATIOT COMMUNITY CREDIT UNION

Tax-exempt · ALMA, MI 48801

Financials

$3.3M$3.1M2023$3.9M$3.4M2024$4M$3.4M2025
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$3,992,721$3,411,046$581,675$58,973,783$53,913,878$5,059,905
December 31, 2024990$3,858,840$3,440,716$418,124$55,538,683$51,100,821$4,437,862
December 31, 2023990 (amended)$3,281,319$3,128,236$153,083$54,818,109$50,894,100$3,924,009
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$3,407,240
Investment income
$585,481
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$189,489
Other salaries and wages
$845,387
Salaries, compensation and benefits (total)
$1,229,379
Professional fundraising fees
$0
Legal fees
$8,133
Accounting fees
$153,885
Occupancy
$81,522
Travel
$10,383
Depreciation
$97,637

Balance sheet and other

Total assets, start of year
$55,538,683
Total assets, end of year
$58,973,783
Total liabilities, end of year
$53,913,878
Net assets, end of year
$5,059,905
Land, buildings and equipment
$2,517,592
Publicly traded securities
$3,700,635
Gross unrelated business income
$30,418
Gross receipts
$3,992,721
Employees
28
Volunteers
9
Year formed
1955
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 / weekCompensation
Katina StrubleCEO
Officer
40$103,648
ROBERT BENDELECFO
Officer
40$85,841
Clark HubbardDirector
Trustee or director
1$0
Glenn RoseSecretary
Trustee or director
0$0
Diane S MalekDirector
Trustee or director
0$0
Sonia GibsonDirector
Trustee or director
0$0
Sharol PominvilleChairman
Trustee or director
0$0
SHAWN SPARKSDirector
Trustee or director
0$0
KATY FORSHEETreasurer
Trustee or director
0$0
990 for the year ended December 31, 2024: 9 people
NameTitleHours / weekCompensationOther / benefits
Katina StrubleCEO
Officer
40$96,686$17,186
ROBERT BENDELECFO
Officer
40$81,914$9,505
Clark HubbardTreasurer
Trustee or director
0$0$0
Glenn RoseSecretary
Trustee or director
0$0$0
Diane S MalekDirector
Trustee or director
0$0$0
Sonia GibsonChairman
Trustee or director
0$0$0
Sharol PominvilleDirector
Trustee or director
0$0$0
Dale L ShermanDirector
Trustee or director
0$0$0
Alan L SchaferDirector
Trustee or director
0$0$0
990 for the year ended December 31, 2023: 10 people
NameTitleHours / weekCompensationOther / benefits
Katina StrubleCEO
Officer
40$89,525$9,837
ROBERT BENDELECFO
Officer
40$77,907$7,323
BRENDA MILLERFORMER CEO0$27,169$8,490
Clark HubbardDirector
Trustee or director
0$0$0
Glenn RoseSecretary
Trustee or director
0$0$0
Diane S MalekDirector
Trustee or director
0$0$0
Sonia GibsonChairman
Trustee or director
0$0$0
Sharol PominvilleTreasurer
Trustee or director
0$0$0
Dale L ShermanDirector
Trustee or director
0$0$0
Alan L SchaferDirector
Trustee or director
0$0$0

Address and contacts

Address (IRS master file)
211 W CENTER ST, ALMA, MI 48801-2206
Principal officer (990 for 2025)
KATINA STRUBLE
Signed the 990
KATINA STRUBLE, CEO
Phone
(989) 463-8321
Return prepared by
FINANCIAL STANDARDS GROUP INC

Mission

PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS.

990 for the year ended December 31, 2025

Program accomplishments

  • THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2025 WAS 6,662.
  • THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 4,302.

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
38-6084711
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)
$58,973,783
Income (IRS master file)
$3,992,721

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$3,992,721$3,411,046$58,973,783XML
990December 2024$3,858,840$3,440,716$55,538,683XML
990December 2023$3,281,319$3,128,236$54,818,109XML
990December 2022$2,625,558$2,417,273$55,615,153IRS
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 38-6084711).

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 38-6084711.
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 KATINA STRUBLE.
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 9 people; 2 received compensation from the organization, the highest $103,648 (Katina Struble, 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 $3,992,721, expenses of $3,411,046 and total assets of $58,973,783 at year end.

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