Nonprofit · EIN 38-1395700
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 1051 UNITED BAY COMMUNITY CU
Tax-exempt · BAY CITY, MI 48708
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $17,793,412 | $16,562,439 | $1,230,973 | $297,016,927 | $275,289,568 | $21,727,359 |
| December 31, 2024 | 990 | $15,781,188 | $15,584,211 | $196,977 | $284,134,582 | $263,962,885 | $20,171,697 |
| December 31, 2023 | 990 | $13,825,729 | $13,864,519 | -$38,790 | $274,268,607 | $254,481,177 | $19,787,430 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $16,570,373
- Investment income
- $1,223,039
- Net gain from sales of assets
- $13,676
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $618,746
- Other salaries and wages
- $4,509,367
- Salaries, compensation and benefits (total)
- $6,890,982
- Professional fundraising fees
- $0
- Legal fees
- $99,103
- Accounting fees
- $211,964
- Occupancy
- $374,701
- Travel
- $26,554
- Depreciation
- $617,851
Balance sheet and other
- Total assets, start of year
- $284,134,582
- Total assets, end of year
- $297,016,927
- Total liabilities, end of year
- $275,289,568
- Net assets, end of year
- $21,727,359
- Land, buildings and equipment
- $9,346,586
- Gross unrelated business income
- $17,603
- Gross receipts
- $17,957,279
- Employees
- 96
- Volunteers
- 10
- Year formed
- 1949
- 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 |
|---|---|---|---|---|
| DIANE ABBONIZIO | CEO Officer | 60 | $311,585 | $61,759 |
| DOUG KELLEY | CFO Officer | 60 | $184,318 | $61,084 |
| LESLIE WEBB | SVP PEOPLE & STRATEGY Highest-paid employee | 60 | $138,322 | $43,072 |
| TANNER LAYLE | SVP INNOVATION & TECHNOLOGY Highest-paid employee | 60 | $119,937 | $45,516 |
| TERRY LUPTOWSKI | VP LENDING Highest-paid employee | 60 | $110,769 | $34,157 |
| CHRISTINE HOULE | BOARD CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| DENNIS GENO | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| DONALD GOULET | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| KELLY JOHNSON | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| DAVE VENTORNE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAVENE IVEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LOUIE ROTH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DIANE ABBONIZIO | CEO Officer | 60 | $278,424 | $54,397 |
| DOUG KELLEY | CFO Officer | 60 | $174,967 | $49,162 |
| DONALD GOULET | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| CHRISTINE HOULE | BOARD CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| DENNIS GENO | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| KELLY JOHNSON | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| DAVENE IVEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LOUIE ROTH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RENAY SCHMIDT | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LIZABETH HOWARD | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARY BOSCO | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| NICKIE ROSS | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DIANE ABBONIZIO | CEO Officer | 60 | $255,000 | $55,494 |
| DOUG KELLEY | CFO Officer | 60 | $152,523 | $45,028 |
| DONALD GOULET | BOARD CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| CHRISTINE HOULE | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| DENNIS GENO | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| KELLY JOHNSON | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| DAVENE IVEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LOUIE ROTH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RENAY SCHMIDT | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LIZABETH HOWARD | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARY BOSCO | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| NICKIE ROSS | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1309 N LINCOLN ST, BAY CITY, MI 48708-6172
- Principal officer (990 for 2025)
- DIANE ABBONIZIO, 1309 NORTH LINCOLN AVENUE, BAY CITY, MI 487086172
- Signed the 990
- DIANE ABBONIZIO, CEO
- Phone
- (989) 892-4597
- Website
- WWW.UBCCU.ORG
- Return prepared by
- Plante & Moran PLLC
Mission
PROVIDING OUR MEMBERS THE RESOURCES TO DEVELOP STRONG FINANCIAL ROOTS.
Program accomplishments
- SERVED APPROXIMATELY 18,870 MEMBERS BY OFFERING LOANS, DEPOSITS, AND VARIOUS OTHER FINANCIAL SOLUTIONS TO ENSURE FINANCIAL SUCCESS TO OUR MEMBERSHIP.
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
- 38-1395700
- 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)
- $297,016,927
- Income (IRS master file)
- $17,957,279
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $17,793,412 | $16,562,439 | $297,016,927 | XML |
| 990 | December 2024 | $15,781,188 | $15,584,211 | $284,134,582 | XML |
| 990 | December 2023 | $13,825,729 | $13,864,519 | $274,268,607 | XML |
| 990 | December 2022 | $11,618,988 | $11,560,753 | $281,526,666 | 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 38-1395700).
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 38-1395700.
- 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 DIANE ABBONIZIO.
- 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 12 people; 5 received compensation from the organization, the highest $311,585 (DIANE ABBONIZIO, 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 $17,793,412, expenses of $16,562,439 and total assets of $297,016,927 at year end.
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