Nonprofit · EIN 38-1341100
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 182 FAMILY FIRST CREDIT UNION
Tax-exempt · SAGINAW, MI 48602
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $6,357,160 | $5,803,500 | $553,660 | $100,029,493 | $90,528,212 | $9,501,281 |
| December 31, 2024 | 990 | $5,993,239 | $5,657,245 | $335,994 | $100,994,668 | $92,553,449 | $8,441,219 |
| December 31, 2023 | 990 | $5,522,789 | $5,132,517 | $390,272 | $94,894,281 | $86,964,744 | $7,929,537 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $4,411,607
- Investment income
- $1,939,945
- Other revenue
- $5,608
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $263,655
- Other salaries and wages
- $1,123,151
- Salaries, compensation and benefits (total)
- $1,680,539
- Professional fundraising fees
- $0
- Legal fees
- $42,626
- Occupancy
- $271,003
- Travel
- $53,807
- Depreciation
- $224,582
Balance sheet and other
- Total assets, start of year
- $100,994,668
- Total assets, end of year
- $100,029,493
- Total liabilities, end of year
- $90,528,212
- Net assets, end of year
- $9,501,281
- Land, buildings and equipment
- $2,861,337
- Publicly traded securities
- $16,986,347
- Gross unrelated business income
- $17,400
- Gross receipts
- $6,357,160
- Employees
- 37
- Volunteers
- 14
- Year formed
- 1939
- 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 |
|---|---|---|---|---|
| JANIE SMITH | CEO Officer | 40 | $139,749 | $8,291 |
| JASON ACOSTA | COO Officer | 40 | $111,872 | $3,743 |
| MAURICE PATTERSON | Chairman Trustee or director | 1 | $0 | $0 |
| RICARDO LONGORIA | Director Trustee or director | 1 | $0 | $0 |
| PATRICIA JACOB | Director Trustee or director | 1 | $0 | $0 |
| RAYUNZA CHISM-HOOD | Director Trustee or director | 1 | $0 | $0 |
| SHARON DOOLAN | Secretary Trustee or director | 1 | $0 | $0 |
| TIMOTHY GENOVESE | Director Trustee or director | 1 | $0 | $0 |
| JOSEPH TURNER | Treasurer Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JANIE SMITH | CEO Officer | 40 | $144,599 | $19,526 |
| JASON ACOSTA | COO Officer | 40 | $69,687 | $4,782 |
| MAURICE PATTERSON | Chairman Trustee or director | 1 | $0 | $0 |
| RICARDO LONGORIA | Director Trustee or director | 1 | $0 | $0 |
| PATRICIA JACOB | Director Trustee or director | 1 | $0 | $0 |
| RAYUNZA CHISM-HOOD | Director Trustee or director | 1 | $0 | $0 |
| SHARON DOOLAN | Secretary Trustee or director | 1 | $0 | $0 |
| TIMOTHY GENOVESE | Director Trustee or director | 1 | $0 | $0 |
| JOSEPH TURNER | Treasurer Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| FRANCES GIBELYOU | FORMER CEO | 40 | $101,336 | $10,345 |
| JANIE SMITH | CEO Officer | 40 | $97,561 | $3,902 |
| MAURICE PATTERSON | Chairman Trustee or director | 1 | $0 | $0 |
| RICARDO LONGORIA | Director Trustee or director | 1 | $0 | $0 |
| PATRICIA JACOB | Director Trustee or director | 1 | $0 | $0 |
| RAYUNZA CHISM-HOOD | Director Trustee or director | 1 | $0 | $0 |
| SHARON DOOLAN | Director Trustee or director | 1 | $0 | $0 |
| TIMOTHY GENOVESE | Director Trustee or director | 1 | $0 | $0 |
| JOSEPH TURNER | Treasurer Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1011 N MICHIGAN AVE, SAGINAW, MI 48602-4326
- Principal officer (990 for 2025)
- JANIE SMITH, 1011 NORTH MICHIGAN AVE, SAGINAW, MI 48602
- Signed the 990
- JANIE SMITH, CEO
- Phone
- (989) 759-1686
- Website
- fam1st.com
- Return prepared by
- FINANCIAL STANDARDS GROUP INC
Mission
TO PROVIDE A FULL RANGE OF FINANCIAL PRODUCTS AND SERVICES IN A PROMPT AND FRIENDLY MANNER.
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 5,386.
- 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 5,355.
- OFFER ATM, DEBIT CARDS, TRAVELERS CHECKS, MONEY ORDERS, BILL PAY, OVERDRAFT PROTECTION/COURTESY PAY, GIFT CARDS, FINANCIAL LITERACY WORKSHOPS AND INSURANCE/INVESTMENT PRODUCTS TO ALL ELIGIBLE 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
- 38-1341100
- 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)
- $100,029,493
- Income (IRS master file)
- $6,357,160
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $6,357,160 | $5,803,500 | $100,029,493 | XML |
| 990 | December 2024 | $5,993,239 | $5,657,245 | $100,994,668 | XML |
| 990 | December 2023 | $5,522,789 | $5,132,517 | $94,894,281 | XML |
| 990 | December 2022 | $4,824,631 | $4,097,000 | $88,591,899 | 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 38-1341100).
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 38-1341100.
- 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 JANIE SMITH.
- 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 $139,749 (JANIE SMITH, 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 $6,357,160, expenses of $5,803,500 and total assets of $100,029,493 at year end.
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- SAGINAW COOPERATIVE HOSPITALS INC EIN 38-1870664 · last filed 990 for 2025
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- LUTHERAN HOMES OF MICHIGAN INC EIN 38-1358410 · last filed 990 for 2024
- LUTHERAN CHILD & FAMILY SERVICE OF MICHIGAN EIN 38-1359524 · last filed 990 for 2024
- A & D CHARITABLE FOUNDATION INC EIN 38-3428303 · last filed 990 for 2025