Nonprofit · EIN 38-1448844
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 0039 MICHIGAN UNITED
Tax-exempt · AUBURN HILLS, MI 48326
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $18,513,861 | $14,588,558 | $3,925,303 | $335,809,779 | $294,829,865 | $40,979,914 |
| December 31, 2024 | 990 | $16,718,511 | $14,390,929 | $2,327,582 | $331,606,562 | $294,605,369 | $37,001,193 |
| December 31, 2023 | 990 | $14,355,199 | $12,736,325 | $1,618,874 | $367,730,295 | $333,174,033 | $34,556,262 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $14,269,566
- Investment income
- $4,244,295
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,709,523
- Other salaries and wages
- $3,852,642
- Salaries, compensation and benefits (total)
- $7,442,766
- Professional fundraising fees
- $0
- Legal fees
- $17,943
- Occupancy
- $1,084,152
- Travel
- $141,560
- Depreciation
- $415,952
Balance sheet and other
- Total assets, start of year
- $331,606,562
- Total assets, end of year
- $335,809,779
- Total liabilities, end of year
- $294,829,865
- Net assets, end of year
- $40,979,914
- Land, buildings and equipment
- $10,331,019
- Publicly traded securities
- $36,235,153
- Gross unrelated business income
- $13,868
- Gross receipts
- $18,513,861
- Employees
- 106
- Volunteers
- 13
- Year formed
- 1931
- 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 |
|---|---|---|---|---|
| ANDREW STALEY | President & CEO Officer | 40 | $367,469 | $53,794 |
| STACY WILSON | Vice President Officer | 40 | $198,278 | $17,180 |
| GERRY COYNE | Vice President Officer | 40 | $167,180 | $36,025 |
| VICKI BRIDSON | CFO Officer | 40 | $140,244 | $33,831 |
| ANNETTE SWIDWINSKI | Vice President Officer | 40 | $140,623 | $12,568 |
| JAMES BOEHLER | Vice President Officer | 40 | $110,666 | $34,766 |
| JESSICA ALDRICH | Vice President Officer | 40 | $101,004 | $33,907 |
| LEEANN ZELIASKO | Vice President Officer | 40 | $103,245 | $30,397 |
| DEANNA KOEN | Vice President Officer | 40 | $94,938 | $33,408 |
| RICHARD PERRY | Chairman Trustee or director | 1 | $0 | $0 |
| JAMES STEVENSON | Director Trustee or director | 1 | $0 | $0 |
| NORMAN JUCHNO | Secretary Trustee or director | 1 | $0 | $0 |
| ELIZABETH MOREHOUSE | Treasurer Trustee or director | 1 | $0 | $0 |
| ROBERT KUPFER | Director Trustee or director | 1 | $0 | $0 |
| LESLIE LOGAN | Director Trustee or director | 1 | $0 | $0 |
4 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| GLEN MITCHELL | Director Trustee or director | 1 | $0 |
| GREG FISHER | Director Trustee or director | 1 | $0 |
| GEORGE WIEGAND | Director Trustee or director | 1 | $0 |
| STEVEN TAYLOR | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ANDREW STALEY | President & CEO Officer | 40 | $358,339 | $51,397 |
| GERRY COYNE | Vice President Officer | 40 | $167,566 | $34,250 |
| STACY WILSON | Vice President Officer | 40 | $178,383 | $15,589 |
| VICKI BRIDSON | CFO Officer | 40 | $137,606 | $31,854 |
| CHRIS TENO | Director Officer | 40 | $135,726 | $31,600 |
| ANNETTE SWIDWINSKI | Vice President Officer | 40 | $140,039 | $12,521 |
| JAMES BOEHLER | Vice President Officer | 40 | $108,325 | $32,521 |
| RICHARD PERRY | Chairman Trustee or director | 1 | $0 | $0 |
| JAMES STEVENSON | Director Trustee or director | 1 | $0 | $0 |
| NORMAN JUCHNO | Secretary Trustee or director | 1 | $0 | $0 |
| ELIZABETH MOREHOUSE | Director Trustee or director | 1 | $0 | $0 |
| ROBERT KUPFER | Director Trustee or director | 1 | $0 | $0 |
| LESLIE LOGAN | Treasurer Trustee or director | 1 | $0 | $0 |
| LARRY JONES | Director Trustee or director | 1 | $0 | $0 |
| GLEN MITCHELL | Director Trustee or director | 1 | $0 | $0 |
| GREG FISHER | Director Trustee or director | 1 | $0 | $0 |
| DONALD HEYDENS | Director Trustee or director | 1 | $0 | $0 |
| GEORGE WIEGAND | Director Trustee or director | 1 | $0 | $0 |
| STEVEN TAYLOR | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 17 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ANDREW STALEY | President & CEO Officer | 40 | $313,960 | $47,366 |
| GERRY COYNE | Vice President Officer | 40 | $152,915 | $31,632 |
| SAMIR SHABANDER | CFO Officer | 40 | $132,297 | $30,473 |
| ALISA WILLIAMS | Vice President Officer | 40 | $120,035 | $28,435 |
| ANNETTE SWIDWINSKI | Vice President Officer | 40 | $124,993 | $11,266 |
| STACY WILSON | Vice President Officer | 40 | $39,475 | $4,449 |
| RICHARD PERRY | Chairman Trustee or director | 1 | $0 | $0 |
| JAMES STEVENSON | Director Trustee or director | 1 | $0 | $0 |
| NORMAN JUCHNO | Secretary Trustee or director | 1 | $0 | $0 |
| ELIZABETH MOREHOUSE | Director Trustee or director | 1 | $0 | $0 |
| ROBERT KUPFER | Director Trustee or director | 1 | $0 | $0 |
| LESLIE LOGAN | Treasurer Trustee or director | 1 | $0 | $0 |
| LARRY JONES | Director Trustee or director | 1 | $0 | $0 |
| GLEN MITCHELL | Director Trustee or director | 1 | $0 | $0 |
| MARK BRACKON | Director Trustee or director | 1 | $0 | $0 |
| DONALD HEYDENS | Director Trustee or director | 1 | $0 | $0 |
| GEORGE WIEGAND | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 3501 HAMLIN RD, AUBURN HILLS, MI 48326-2824
- Principal officer (990 for 2025)
- ANDREW STALEY, 3501 HAMLIN RD, AUBURN HILLS, MI 48326
- Signed the 990
- ANDREW STALEY, President & CEO
- Phone
- (248) 647-5958
- Website
- HTTPS://MICHIGANUNITEDCU.ORG
- Return prepared by
- FINANCIAL STANDARDS GROUP INC
Mission
WE STRIVE TO IMPROVE THE FINANCIAL LIVES OF OUR MEMBERS THROUGH EDUCATION, TRUST, AND INNOVATIVE PRODUCTS AND SERVICES.
Program accomplishments
- THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF ACTIVE MEMBERS AT 12/31/2025 WAS 24,143.
- 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 14,979.
- OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELER'S CHECKS, COURTESY PAY, FINANCIAL EDUCATION & COUNSELING AND VARIOUS INSURANCE 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
- 38-1448844
- 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)
- $335,809,779
- Income (IRS master file)
- $18,513,861
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $18,513,861 | $14,588,558 | $335,809,779 | XML |
| 990 | December 2024 | $16,718,511 | $14,390,929 | $331,606,562 | XML |
| 990 | December 2023 | $14,355,199 | $12,736,325 | $367,730,295 | XML |
| 990 | December 2022 | $11,922,409 | $10,055,951 | $357,324,452 | 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 38-1448844).
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 38-1448844.
- 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 ANDREW STALEY.
- 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 19 people; 9 received compensation from the organization, the highest $367,469 (ANDREW STALEY, President & 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 $18,513,861, expenses of $14,588,558 and total assets of $335,809,779 at year end.
Other nonprofits in AUBURN HILLS
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- EASTERSEALS MORC HEALTH CARE INC EIN 38-1402860 · last filed 990 for 2025
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- NEW HORIZONS REHABILITATION SERVICES INC EIN 38-1748781 · last filed 990 for 2025
- MORC HOME CARE INC EIN 20-2978273 · last filed 990 for 2025
- FCA US LLC HEALTH CARE BENEFITS PLAN EIN 38-2968384 · last filed 990 for 2024
- OAKLAND CHRISTIAN SCHOOL EIN 38-1881948 · last filed 990 for 2025
- ELITE ALTERNATIVES INC EIN 38-2779741 · last filed 990 for 2025