Nonprofit · EIN 38-1444840
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 1105 MARSHALL COMMUNITY CREDIT UNIO
Tax-exempt · MARSHALL, MI 49068
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $24,550,652 | $19,481,075 | $5,069,577 | $361,485,329 | $303,582,128 | $57,903,201 |
| December 31, 2024 | 990 | $21,600,711 | $17,219,546 | $4,381,165 | $330,682,386 | $279,912,598 | $50,769,788 |
| December 31, 2023 | 990 | $16,738,081 | $14,198,224 | $2,539,857 | $311,754,958 | $265,887,060 | $45,867,898 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $21,191,951
- Investment income
- $3,358,701
- Net gain from sales of assets
- -$146,932
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $326,281
- Compensation of officers, directors and key employees
- $1,151,231
- Other salaries and wages
- $3,935,452
- Salaries, compensation and benefits (total)
- $6,134,289
- Professional fundraising fees
- $0
- Legal fees
- $205,895
- Accounting fees
- $107,436
- Occupancy
- $376,316
- Depreciation
- $288,985
Balance sheet and other
- Total assets, start of year
- $330,682,386
- Total assets, end of year
- $361,485,329
- Total liabilities, end of year
- $303,582,128
- Net assets, end of year
- $57,903,201
- Land, buildings and equipment
- $7,305,630
- Gross unrelated business income
- $46,291
- Gross receipts
- $25,068,824
- Employees
- 88
- Volunteers
- 9
- Year formed
- 1951
- 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 |
|---|---|---|---|---|
| CORRIE ROZELL | CEO Officer | 40 | $380,334 | $40,191 |
| MELISSA SEAVOLT | COO Officer | 40 | $171,784 | $24,651 |
| JOHN MCKENZIE | VP OF INFO TECH AND SECURITY Officer | 40 | $159,800 | $28,211 |
| JULIE ZINK | CFO Officer | 40 | $158,212 | $24,769 |
| STEVE SCOTT | VP OF IT BUSINESS SOLUTIONS Officer | 40 | $144,889 | $18,392 |
| MARK GARAVALIA | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| ASHLEY IOVIENO | VICE CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| JERRY BAREMOR | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| LISA DAMRON | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| PAUL WATSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| FRANK CABRERA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| LUCY BLAIR HOUGH | DIRECTOR Trustee or director | 1 | $0 | $0 |
| WILLIAM CLAYBORN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| VAUGHN FRENTZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CORRIE ROZELL | CEO Officer | 40 | $325,860 | $38,310 |
| MELISSA SEAVOLT | COO Officer | 40 | $161,700 | $23,126 |
| JOHN MCKENZIE | VP OF INFORMATION TECHNOLO Officer | 40 | $147,828 | $31,722 |
| JULIE ZINK | CFO Officer | 40 | $152,372 | $24,216 |
| MARK GARAVALIA | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| MICHAEL DARLING | VICE CHAIRPERSON - PARTIAL YEAR Trustee or director, Officer | 1 | $0 | $0 |
| ASHLEY IOVIENO | VICE CHAIRPERSON - DIRECTOR PARTIAL YEAR Trustee or director, Officer | 1 | $0 | $0 |
| JERRY BAREMOR | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| LISA DAMRON | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| PAUL WATSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| FRANK CABRERA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| LUCY BLAIR HOUGH | DIRECTOR Trustee or director | 1 | $0 | $0 |
| WILLIAM CLAYBORN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| VAUGHN FRENTZ | DIRECTOR - PARTIAL YEAR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 15 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CORRIE ROZELL | CEO Officer | 40 | $306,544 | $28,209 |
| JOHN MCKENZIE | VP OF INFORMATION TECHNOLO Officer | 40 | $140,391 | $34,461 |
| JULIE ZINK | CFO Officer | 40 | $144,397 | $24,858 |
| MELISSA SEAVOLT | COO Officer | 40 | $149,590 | $19,663 |
| MARK GARAVALIA | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| MICHAEL DARLING | VICE CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| JERRY BAREMOR | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| LISA DAMRON | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| PAUL WATSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| FRANK CABRERA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ASHLEY IOVIENO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| LUCY BLAIR | DIRECTOR Trustee or director | 1 | $0 | $0 |
| WILLIAM CLAYBORN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KELLI SCOTT | DIRECTOR - PARTIAL YEAR Trustee or director | 1 | $0 | $0 |
| DOUGLAS JACKSON | DIRECTOR - PARTIAL YEAR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 839 W GREEN ST, MARSHALL, MI 49068-1431
- Principal officer (990 for 2025)
- JULIE ZINK, 839 W GREEN ST, MARSHALL, MI 49068
- Signed the 990
- JULIE ZINK, CFO
- Phone
- (269) 781-9885
- Website
- WWW.MARSHALLCOMMUNITYCU.COM
- Return prepared by
- REHMANN ROBSON LLC
Mission
PARTNERING WITH MEMBERS FOR FINANCIAL SUCCESS THROUGH SERVICE, SOLUTIONS, AND EDUCATION.
Program accomplishments
- PROVIDE 16,296 MEMBERS WITH REGULAR SHARE, CLUB SAVINGS, SHARE DRAFT, YOUTH SAVINGS, HEALTH SAVINGS ACCOUNTS, MONEY MARKET, IRA, COMMERCIAL AND CERTIFICATE OF DEPOSIT ACCOUNTS TOTALING 18,537.
- PROVIDE 8,321 LOANS INCLUDING VEHICLE, OTHER CONSUMER, UNSECURED, MORTGAGE, HOME EQUITY, COMMERCIAL, CREDIT CARD, YOUTH AND CONSTRUCTION LOANS. SERVICE 1,596 LOANS SOLD TO THE SECONDARY MARKET.
- OFFER INSURANCE AND FINANCIAL ADVISORY SERVICES. INSURANCE OFFERED INCLUDES AD&D, GAP, CREDIT LIFE & DISABILITY, AND MECHANICAL BREAKDOWN COVERAGE. ALSO OFFER PROPERTY & CASUALTY AND ANCILLARY INSURANCE LINES VIA MCCU INSURANCE AGENCY, LLC. FINANCIAL ADVISORY SERVICES OFFERED VIA INDEPENDENT FINANCIAL ADVISORS.
- MISCELLANEOUS SERVICES: ATMS, MONEY ORDERS, WIRE TRANSFERS, SAFE DEPOSIT BOXES, NOTARY SERVICE, MEDALLION SIGNATURE GUARANTEES, BILL PAY, COIN COUNTERS, CU IN SCHOOL BRANCHES, MOBILE DEPOSIT, MERCHANT CARD PROCESSING, LAND CONTRACT SERVICING, FINANCIAL COUNSELING. THIS LIST IS NOT ALL-INCLUSIVE.
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
- 38-1444840
- 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)
- $361,485,329
- Income (IRS master file)
- $25,068,824
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $24,550,652 | $19,481,075 | $361,485,329 | IRS |
| 990 | December 2024 | $21,600,711 | $17,219,546 | $330,682,386 | IRS |
| 990 | December 2023 | $16,738,081 | $14,198,224 | $311,754,958 | XML |
| 990 | December 2022 | $13,400,712 | $11,491,605 | $306,519,256 | 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 38-1444840).
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 38-1444840.
- 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 JULIE ZINK.
- 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 14 people; 5 received compensation from the organization, the highest $380,334 (CORRIE ROZELL, 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 $24,550,652, expenses of $19,481,075 and total assets of $361,485,329 at year end.
Other nonprofits in MARSHALL
- ELLA E M BROWN CHARITABLE CIRCLE EIN 38-1368347 · last filed 990 for 2025
- MARSHALL AREA ECONOMIC DEVELOPMENT ALLIANCE EIN 46-1516144 · last filed 990 for 2025
- MARSHALL COMMUNITY FOUNDATION EIN 23-7011281 · last filed 990 for 2025
- FOUNTAIN CLINIC EIN 38-3387719 · last filed 990 for 2025
- CRONIN FOUNDATION EIN 38-2908362 · last filed 990-PF for 2024
- MICHIGAN HUMANITIES COUNCIL EIN 51-0164775 · last filed 990 for 2025
- KINDERHAUS MONTESSORI PRESCHOOL OF MARSHALL EIN 83-0928341 · last filed 990 for 2025
- CALHOUN COUNTY AGRICULTURAL AND INDUSTRIAL SOCIETY EIN 38-2035927 · last filed 990 for 2025