Nonprofit · EIN 38-1305916
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 213 MICHIGAN EDUCATIONAL CR UNION
Tax-exempt · PLYMOUTH, MI 48170
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $43,262,092 | $38,607,073 | $4,655,019 | $1,091,465,928 | $974,525,206 | $116,940,722 |
| December 31, 2024 | 990 | $39,021,650 | $35,387,839 | $3,633,811 | $1,029,181,110 | $931,738,836 | $97,442,274 |
| December 31, 2023 | 990 | $34,646,685 | $31,101,715 | $3,544,970 | $1,006,575,527 | $922,984,296 | $83,591,231 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $29,255,776
- Investment income
- $13,988,316
- Net rental income
- $18,000
- Net gain from sales of assets
- -$64
- Other revenue
- $18,000
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $4,397,877
- Other salaries and wages
- $4,300,375
- Salaries, compensation and benefits (total)
- $13,065,788
- Professional fundraising fees
- $0
- Accounting fees
- $511,263
- Occupancy
- $1,970,654
- Travel
- $6,190
- Depreciation
- $530,501
Balance sheet and other
- Total assets, start of year
- $1,029,181,110
- Total assets, end of year
- $1,091,465,928
- Total liabilities, end of year
- $974,525,206
- Net assets, end of year
- $116,940,722
- Land, buildings and equipment
- $7,001,016
- Gross unrelated business income
- $66,129
- Gross receipts
- $135,686,134
- Employees
- 103
- Volunteers
- 9
- Year formed
- 1942
- 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 |
|---|---|---|---|---|
| ROBERT SANDERCOCK | CHIEF EXECUTIVE OFFICER Officer | 38 | $2,106,680 | $93,225 |
| HENRY WILLSON | EXECUTIVE VICE PRESIDENT Key employee | 38 | $513,401 | $86,980 |
| JEFFREY CUSMANO | VICE PRESIDENT Key employee | 38 | $373,617 | $68,612 |
| KEVIN FINNERAN | CHIEF FINANCIAL OFFICER Officer | 38 | $324,344 | $73,437 |
| ANDREW SCHMITT | VICE PRESIDENT INFORMATION TECHNOLOGY Officer | 38 | $244,016 | $48,860 |
| LISA KANIA | BRANCH MANAGER Key employee | 38 | $197,952 | $54,763 |
| ANDREA KLEBBA | EXECUTIVE ASSISTANT Highest-paid employee | 38 | $192,971 | $54,087 |
| KYLE HARRIS | DIGITAL SERVICES MANAGER Highest-paid employee | 38 | $172,916 | $45,820 |
| EMILY FRICKS | MARKETING SUPERVISOR Key employee | 38 | $169,385 | $42,605 |
| KELLY BOROWSKI | BRANCH MANAGER Highest-paid employee | 38 | $150,151 | $45,018 |
| NICHOLE HATCH | BRANCH MANAGER Highest-paid employee | 38 | $141,986 | $46,079 |
| ANNALISA DASINE | Controller Highest-paid employee | 38 | $142,862 | $25,460 |
| ALONZO GLAZE | CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
| ROBIN J E LONG | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| STEVEN RODRIGUEZ | VICE CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
6 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| WILLIAM WOOSTER | TREASURER Trustee or director, Officer | 2 | $0 |
| AMY MCQUISTON | DIRECTOR Trustee or director | 2 | $0 |
| DANE DRESCH | DIRECTOR Trustee or director | 2 | $0 |
| DEBORAH ELLISTON | DIRECTOR Trustee or director | 2 | $0 |
| GREGORY BARACY | DIRECTOR Trustee or director | 2 | $0 |
| SCOTT SZUKAITIS | DIRECTOR Trustee or director | 2 | $0 |
990 for the year ended December 31, 2024: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ROBERT SANDERCOCK | CHIEF EXECUTIVE OFFICER Officer | 38 | $1,954,724 | $94,566 |
| HENRY WILLSON | EXECUTIVE VICE PRESIDENT Key employee | 38 | $490,485 | $84,861 |
| JEFFREY CUSMANO | VICE PRESIDENT Key employee | 38 | $345,319 | $67,169 |
| KEVIN FINNERAN | CHIEF FINANCIAL OFFICER Officer | 38 | $304,713 | $74,024 |
| LISA KANIA | BRANCH MANAGER Key employee | 38 | $189,237 | $52,743 |
| ANDREA KLEBBA | EXECUTIVE ASSISTANT Highest-paid employee | 38 | $182,396 | $50,747 |
| EMILY FRICKS | MARKETING SUPERVISOR Key employee | 38 | $165,284 | $41,214 |
| KELLY BOROWSKI | BRANCH MANAGER Highest-paid employee | 38 | $145,950 | $43,920 |
| KYLE HARRIS | DIGITAL SERVICES MANAGER Highest-paid employee | 38 | $141,344 | $43,779 |
| NICHOLE HATCH | BRANCH MANAGER Highest-paid employee | 38 | $135,917 | $43,953 |
| WENDY MARQUETTE | BRANCH MANAGER Highest-paid employee | 38 | $130,366 | $41,270 |
| ALONZO GLAZE | CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
| ROBIN J E LONG | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| STEVEN RODRIGUEZ | VICE CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
| WILLIAM WOOSTER | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| AMY MCQUISTON | DIRECTOR Trustee or director | 2 | $0 | $0 |
| DANE DRESCH | DIRECTOR Trustee or director | 2 | $0 | $0 |
| DEBORAH ELLISTON | DIRECTOR Trustee or director | 2 | $0 | $0 |
| GREGORY BARACY | DIRECTOR Trustee or director | 2 | $0 | $0 |
| MICHELLE RANDALL | DIRECTOR - PART YEAR Trustee or director | 2 | $0 | $0 |
| SCOTT SZUKAITIS | DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 20 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ROBERT SANDERCOCK | CHIEF EXECUTIVE OFFICER Officer | 38 | $1,905,120 | $100,081 |
| HENRY WILLSON | EXECUTIVE VICE PRESIDENT Key employee | 38 | $480,007 | $85,564 |
| JEFFREY CUSMANO | VICE PRESIDENT Key employee | 38 | $331,794 | $64,286 |
| KEVIN FINNERAN | CHIEF FINANCIAL OFFICER Officer | 38 | $294,678 | $72,578 |
| LISA KANIA | BRANCH MANAGER Key employee | 38 | $180,512 | $51,734 |
| ANDREA KLEBBA | EXECUTIVE ASSISTANT Highest-paid employee | 38 | $171,693 | $48,766 |
| EMILY FRICKS | MARKETING SUPERVISOR Key employee | 38 | $161,360 | $41,668 |
| KELLY BOROWSKI | BRANCH MANAGER Highest-paid employee | 38 | $140,930 | $45,191 |
| KYLE HARRIS | DIGITAL SERVICES MANAGER Highest-paid employee | 38 | $138,565 | $43,397 |
| NICHOLE HATCH | BRANCH MANAGER Highest-paid employee | 38 | $130,027 | $43,588 |
| JOSHUA COLLOM | IT SUPERVISOR Highest-paid employee | 38 | $135,936 | $34,459 |
| ALONZO GLAZE | CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
| STEVEN RODRIGUEZ | VICE CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
| WILLIAM WOOSTER | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| ROBIN J E LONG | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| AMY MCQUISTON | DIRECTOR Trustee or director | 2 | $0 | $0 |
| MICHELLE RANDALL | DIRECTOR Trustee or director | 2 | $0 | $0 |
| GREGORY BARACY | DIRECTOR Trustee or director | 2 | $0 | $0 |
| SCOTT SZUKAITIS | DIRECTOR Trustee or director | 2 | $0 | $0 |
| DEBORAH ELLISTON | DIRECTOR Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 9200 N HAGGERTY RD, PLYMOUTH, MI 48170-4633
- In care of
- % MICHIGAN EDUCATIONAL CREDIT UNION
- Principal officer (990 for 2025)
- ROBERT G SANDERCOCK, 9200 HAGGERTY RD, PLYMOUTH, MI 48170
- Signed the 990
- ROBERT G SANDERCOCK, CHIEF EXECUTIVE OFFICER
- Phone
- (734) 455-9200
- Website
- WWW.MICHEDCU.ORG
- Return prepared by
- PLANTE & MORAN PLLC
Mission
To provide members with quality, comprehensive and cost effective financial services.
Program accomplishments
- PROVIDE 47,814 MEMBERS WITH REGULAR SHARES, SHARE DRAFT, CERTIFICATES OF DEPOSIT, AND IRA ACCOUNTS TOTALING 94,503 ACCOUNTS.
- PROVIDE 35,997 LOANS INCLUDING VEHICLE, CREDIT CARD, HOME EQUITY, BUSINESS, PERSONAL, BOAT, MOTORCYCLE, MOTOR HOME, AND MORTGAGES.
- OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, CHECK CASHING, TRAVELERS CHECKS, OVERDRAFT PROTECTION/COURTESY PAY, BILL PAY AND VARIOUS INSURANCE AND INVESTMENT PROGRAMS.
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
- 38-1305916
- 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)
- $1,091,465,928
- Income (IRS master file)
- $135,686,134
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $43,262,092 | $38,607,073 | $1,091,465,928 | XML |
| 990 | December 2024 | $39,021,650 | $35,387,839 | $1,029,181,110 | XML |
| 990 | December 2023 | $34,646,685 | $31,101,715 | $1,006,575,527 | XML |
| 990 | December 2022 | $30,107,433 | $26,318,782 | $1,037,849,743 | 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 38-1305916).
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 38-1305916.
- 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 ROBERT G SANDERCOCK.
- 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 21 people; 12 received compensation from the organization, the highest $2,106,680 (ROBERT SANDERCOCK, CHIEF EXECUTIVE OFFICER).
- 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 $43,262,092, expenses of $38,607,073 and total assets of $1,091,465,928 at year end.
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