Nonprofit · EIN 38-0703992
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 80 ARBOR FINANCIAL CREDIT UNION, Pavilion 4-H club
Tax-exempt · KALAMAZOO, MI 49009
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $57,858,397 | $51,507,065 | $6,351,332 | $903,389,090 | $837,826,457 | $65,562,633 |
| December 31, 2023 | 990 | $50,193,452 | $45,206,444 | $4,987,008 | $969,394,713 | $911,404,946 | $57,989,767 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $49,944,476
- Investment income
- $5,865,015
- Net gain from sales of assets
- -$15,914
- Other revenue
- $2,048,906
Expenses
- Grants and similar amounts paid
- $20,000
- Compensation of officers, directors and key employees
- $3,381,298
- Other salaries and wages
- $10,182,035
- Salaries, compensation and benefits (total)
- $16,608,884
- Professional fundraising fees
- $0
- Legal fees
- $98,861
- Accounting fees
- $255,942
- Occupancy
- $1,284,368
- Travel
- $37,733
- Depreciation
- $1,362,214
Balance sheet and other
- Total assets, start of year
- $969,394,713
- Total assets, end of year
- $903,389,090
- Total liabilities, end of year
- $837,826,457
- Net assets, end of year
- $65,562,633
- Land, buildings and equipment
- $21,258,983
- Publicly traded securities
- $78,692,165
- Gross unrelated business income
- $228,054
- Gross receipts
- $65,227,971
- Employees
- 284
- Volunteers
- 7
- Year formed
- 1935
- 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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JULIE A BLITCHOK | PRESIDENT/CEO Officer | 50 | $603,373 | $149,565 |
| ARLENE C HORTON | VP OF TALENT STRATEGY AND ORGANIZATION Key employee | 50 | $288,522 | $85,478 |
| EARLE D SHELNER II | CHIEF FINANCIAL OFFICER Officer | 50 | $257,394 | $78,347 |
| JAMES O BLANKENSHIP | VP INFORMATION SYSTEMS Key employee | 50 | $211,820 | $89,007 |
| TAMARA L PHELPS | VP OF OPERATIONS Key employee | 50 | $204,977 | $81,145 |
| SUSAN WEIR | VP OF MORTGAGE LENDING Key employee | 50 | $176,445 | $73,776 |
| CHRISTINE E FERGUSON | VP MARKETING Highest-paid employee | 50 | $175,309 | $62,471 |
| CULLEN MCKINLEY | VP OF COMMERCIAL LENDING Highest-paid employee | 50 | $155,047 | $58,099 |
| CHRISTOPHER JACOBS | VP OF CONSUMER LENDING Key employee | 50 | $155,624 | $53,761 |
| TINA MASON | DIRECTOR OF PROJECT MANAGEMENT Highest-paid employee | 45 | $119,514 | $52,524 |
| SCOTT PETERSEN | COMMERCIAL LOAN OFFICER Highest-paid employee | 45 | $123,053 | $44,129 |
| RYAN MANEKE | MORTGAGE LOAN ORIGINATOR Highest-paid employee | 45 | $114,526 | $47,036 |
| ARTHUR PARKER | TREASURER Trustee or director, Officer | 10 | $0 | $0 |
| DAVID AUBRY | CHAIRMAN Trustee or director, Officer | 30 | $0 | $0 |
| JONI LAPOINTE | SECRETARY Trustee or director, Officer | 10 | $0 | $0 |
4 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KIMBERLY ROHR | VICE - CHAIRMAN Trustee or director, Officer | 10 | $0 |
| GEORGE DUDIK | DIRECTOR Trustee or director | 10 | $0 |
| JEFF POWLESS | DIRECTOR Trustee or director | 10 | $0 |
| JOSIE WYNE | DIRECTOR Trustee or director | 10 | $0 |
990 for the year ended December 31, 2023: 18 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Julie A Blitchok | President/CEO Officer | 50 | $556,667 | $125,447 |
| Arlene C Horton | VP of Talent Strategy and Organization Key employee | 50 | $280,600 | $50,684 |
| Earle D Shelner II | Chief Financial Officer Officer | 50 | $242,431 | $52,715 |
| James O Blankenship | VP Information Systems Key employee | 50 | $198,141 | $41,796 |
| Tamara L Phelps | VP Operations Key employee | 50 | $186,615 | $41,247 |
| Christine E Ferguson | VP Marketing Highest-paid employee | 50 | $166,054 | $44,506 |
| Susan Weir | VP of Mortgage Lending Key employee | 50 | $164,314 | $40,484 |
| Christopher Jacobs | VP of Consumer Lending Highest-paid employee | 50 | $146,741 | $39,160 |
| Cullen McKinley | VP of Commercial Lending Highest-paid employee | 50 | $137,505 | $39,857 |
| Mark Gilbert | Mortgage Loan Originator Highest-paid employee | 40 | $122,145 | $38,321 |
| Karen Demars | Director of Credit & Loan Servicing Highest-paid employee | 40 | $117,651 | $36,311 |
| Arthur Parker | Treasurer Trustee or director, Officer | 10 | $0 | $0 |
| David Aubry | Chairman Trustee or director, Officer | 30 | $0 | $0 |
| Joni LaPointe | Secretary Trustee or director, Officer | 10 | $0 | $0 |
| Richard Cahow | Vice-Chairman Trustee or director, Officer | 10 | $0 | $0 |
| Jeff Powless | Director Trustee or director | 10 | $0 | $0 |
| Josie Wyne | Director Trustee or director | 10 | $0 | $0 |
| Kimberly Rohr | Director Trustee or director | 10 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1551 S 9TH ST, KALAMAZOO, MI 49009-9404
- Mailing address (990-N for 2011)
- 3299 Gull Rd wing 2 room 410, Kalamazoo MI 49048
- Principal officer (990 for 2024)
- JULIE BLITCHOK, 1551 SOUTH 9TH STREET, KALAMAZOO, MI 490099327
- Principal officer (990-N for 2011)
- Susan Compton, 4788 East D Ave, Kalamazoo MI 49004
- Signed the 990
- JULIE BLITCHOK, PRESIDENT & CEO
- Phone
- (269) 375-6702
- Website
- http://www.msue.msu.edu/portal/default.cfm?pageset_id=27606&page_id=611392&msue_portal_id=25643
- Return prepared by
- Plante & Moran PLLC
Mission
THE CREDIT UNION'S OPERATIONS INCLUDE HOLDING DEPOSITS FOR AND MAKING LOANS TO INDIVIDUALS WHO WORK OR RESIDE IN THE STATE OF MICHIGAN
Program accomplishments
- ALLOWING MEMBERS ACCESS TO CAPITAL THROUGH MORTGAGES, AUTOMOBILE LOANS, AND OTHER CONSUMER LOANS
- ALLOWING MEMBERS DIRECT ACCESS TO THEIR CHECKING ACCOUNT AT MERCHANTS THROUGH OUR DEBIT CARD PROGRAM, AND ACCESS TO CREDIT THROUGH OUR CREDIT CARD PROGRAM.
- ALLOWING MEMBERS ACCESS TO OVER 30,000 ATMS THROUGHOUT THE US THROUGH OUR ATM NETWORKING PROGRAM.
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 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 38-0703992
- 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)
- $903,389,090
- Income (IRS master file)
- $65,227,971
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $57,858,397 | $51,507,065 | $903,389,090 | IRS |
| 990 | December 2023 | $50,193,452 | $45,206,444 | $969,394,713 | XML |
| 990 | December 2022 | $42,599,576 | $36,827,505 | $882,512,715 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
| 990-N for 2011 Officer: Susan Compton | December 31, 2011 | ≤ $50,000 receipts | – | – | e-Postcard |
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 38-0703992).
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 38-0703992.
- 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 2024.
- Who is the principal officer of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2024 names JULIE BLITCHOK.
- Who are the officers and directors of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2024 lists 19 people; 12 received compensation from the organization, the highest $603,373 (JULIE A BLITCHOK, PRESIDENT/CEO).
- How much revenue does CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $57,858,397, expenses of $51,507,065 and total assets of $903,389,090 at year end.
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