Nonprofit · EIN 38-1401260
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 1096 OMNI COMMUNITY CREDIT UNION
Tax-exempt · BATTLE CREEK, MI 49015
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $44,287,260 | $35,468,329 | $8,818,931 | $578,424,392 | $492,745,632 | $85,678,760 |
| December 31, 2023 | 990 | $37,118,137 | $29,871,932 | $7,246,205 | $586,743,175 | $514,295,462 | $72,447,713 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $2,976,957
- of which government grants
- $2,976,957
- Program service revenue
- $36,514,100
- Investment income
- $4,683,443
- Other revenue
- $112,760
Expenses
- Grants and similar amounts paid
- $51,755
- Compensation of officers, directors and key employees
- $742,445
- Other salaries and wages
- $9,335,440
- Salaries, compensation and benefits (total)
- $12,676,509
- Professional fundraising fees
- $0
- Accounting fees
- $85,000
- Occupancy
- $786,740
- Travel
- $138,848
- Depreciation
- $929,371
Balance sheet and other
- Total assets, start of year
- $586,743,175
- Total assets, end of year
- $578,424,392
- Total liabilities, end of year
- $492,745,632
- Net assets, end of year
- $85,678,760
- Land, buildings and equipment
- $15,534,748
- Publicly traded securities
- $159,025,716
- Gross unrelated business income
- $112,760
- Gross receipts
- $44,287,260
- Employees
- 230
- Volunteers
- 6
- Year formed
- 1966
- 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 |
|---|---|---|---|---|
| MARK CRAMER | CEO Officer | 55 | $347,729 | $88,640 |
| SCOTT JOHNSTON | CHIEF TECHNOLOGY OFFICER Highest-paid employee | 55 | $300,242 | $52,023 |
| DEBI SOUTHWORTH | CFO Officer | 55 | $261,349 | $44,727 |
| CHRIS OVERBEEK | CHIEF GROWTH OFFICER Highest-paid employee | 55 | $203,958 | $62,771 |
| PATRICE NEFF | CHIEF HR OFFICER Highest-paid employee | 55 | $206,251 | $37,845 |
| DOMINIC TOCCI | DIRECTOR OF SOFTWARE ENGINEERING Highest-paid employee | 40 | $181,580 | $13,975 |
| NICOLE KASPER | CHIEF RETAIL OFFICER Highest-paid employee | 55 | $149,678 | $10,733 |
| ROBERT LAMBERT | CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| ROGER DAVIS | CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| WILLIAM WOODWARD | VICE CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| ROBIN WHITLOCK | SECRETARY/TREASURER Trustee or director | 2 | $0 | $0 |
| MIKE WOOD | DIRECTOR Trustee or director | 2 | $0 | $0 |
| TINA MCNEIL | DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 15 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| THEODORE K PARSONS JR | CEO - RETIRED NOV 2023 Officer | 75 | $1,056,583 | $38,412 |
| MARK CRAMER | CFO, CEO EFF. NOV 2023 Officer | 55 | $288,504 | $79,555 |
| SCOTT JOHNSTON | CTO Highest-paid employee | 55 | $253,879 | $27,362 |
| DEBI SOUTHWORTH | CFO Officer | 55 | $214,883 | $39,181 |
| CHRIS OVERBEEK | CMO Highest-paid employee | 55 | $185,795 | $57,812 |
| PATRICE NEFF | CHRO Highest-paid employee | 55 | $181,725 | $34,621 |
| DOMINIC TOCCI | SOFTWARE ENGINEER Highest-paid employee | 40 | $173,680 | $13,400 |
| JOEL PYRAD | ENTERPRISE ARCHITEC Highest-paid employee | 40 | $141,486 | $30,718 |
| ROGER DAVIS | CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| ROBERT LAMBERT | VICE CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| RICHARD TOBIAS | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ROBIN WHITLOCK | DIRECTOR Trustee or director | 2 | $0 | $0 |
| MIKE WOOD | DIRECTOR Trustee or director | 2 | $0 | $0 |
| WILLIAM WOODWARD | SECRETARY/TREASURER Trustee or director | 2 | $0 | $0 |
| ANNA FRANCE | DIRECTOR Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 3141 CAPITAL AVE SW, BATTLE CREEK, MI 49015-4107
- Principal officer (990 for 2024)
- MARK CRAMER, 3141 SW CAPITAL AVE, BATTLE CREEK, MI 490154107
- Signed the 990
- DEBI SOUTHWORTH, CHIEF FINANCIAL OFFICER
- Phone
- (269) 441-1400
- Website
- WWW.OMNICOMMUNITYCU.ORG
- Return prepared by
- DOEREN MAYHEW
Mission
TO PROVIDE THE BEST POSSIBLE FINANCIAL SERVICES TO OUR MEMBERS AT COMPETITIVE RATES AND TO MAINTAIN THE CREDIT UNION'S LONG-TERM FINANCIAL STABILITY.
Program accomplishments
- SERVED APPROXIMATELY 46,250 MEMBERS BY OFFERING LOANS, DEPOSITS, AND VARIOUS OTHER FINANCIAL PRODUCTS.
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
- 38-1401260
- 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)
- $578,424,392
- Income (IRS master file)
- $44,287,260
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $44,287,260 | $35,468,329 | $578,424,392 | XML |
| 990 | December 2023 | $37,118,137 | $29,871,932 | $586,743,175 | XML |
| 990 | December 2022 | $31,956,998 | $24,768,408 | $598,685,081 | 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 38-1401260).
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 38-1401260.
- 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 MARK CRAMER.
- 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 13 people; 7 received compensation from the organization, the highest $347,729 (MARK CRAMER, 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 $44,287,260, expenses of $35,468,329 and total assets of $578,424,392 at year end.
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