Nonprofit · EIN 38-1489465
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 281 EMBERS CREDIT UNION
Tax-exempt · MARQUETTE, MI 49855
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $33,820,145 | $28,393,558 | $5,426,587 | $583,615,642 | $517,608,958 | $66,006,684 |
| December 31, 2024 | 990 | $29,891,836 | $27,837,493 | $2,054,343 | $548,839,668 | $494,764,522 | $54,075,146 |
| December 31, 2023 | 990 | $25,332,798 | $22,632,248 | $2,700,550 | $515,551,996 | $466,876,540 | $48,675,456 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $30,135,990
- Investment income
- $3,684,155
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $6,000
- Compensation of officers, directors and key employees
- $1,899,432
- Other salaries and wages
- $6,471,397
- Salaries, compensation and benefits (total)
- $10,235,535
- Professional fundraising fees
- $0
- Legal fees
- $71,294
- Occupancy
- $808,196
- Travel
- $562,754
- Depreciation
- $849,258
Balance sheet and other
- Total assets, start of year
- $548,839,668
- Total assets, end of year
- $583,615,642
- Total liabilities, end of year
- $517,608,958
- Net assets, end of year
- $66,006,684
- Land, buildings and equipment
- $13,787,622
- Publicly traded securities
- $101,027,250
- Gross unrelated business income
- $40,828
- Gross receipts
- $33,820,145
- Employees
- 171
- Volunteers
- 10
- Year formed
- 1953
- 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 |
|---|---|---|---|---|
| THOMAS BLAKE | CEO Officer | 40 | $574,386 | $200,781 |
| DAVID BLACK | COO Officer | 40 | $239,184 | $28,959 |
| JUSTIN STORE | Vice President Officer | 40 | $201,412 | $27,141 |
| JENNIFER STEMPKI | CFO Officer | 40 | $179,137 | $22,256 |
| CHARLES NYQUIST | Vice President Officer | 40 | $142,021 | $12,614 |
| LAURIE WILLS | Vice President Officer | 40 | $128,793 | $8,115 |
| ANN DEMING | Vice President Officer | 40 | $111,200 | $23,433 |
| BRENDA LIPPENS | CEO | 40 | $37,776 | $0 |
| SANDRA VILLA-MOGUSH | Treasurer Trustee or director | 1 | $0 | $0 |
| KEITH LYNCH | Director Trustee or director | 1 | $0 | $0 |
| MARK CANALE | Director Trustee or director | 1 | $0 | $0 |
| TOM VEAR | Director Trustee or director | 1 | $0 | $0 |
| LEONARD ANGELI | Chairman Trustee or director | 1 | $0 | $0 |
| BRIAN KULBIEDA | Director Trustee or director | 1 | $0 | $0 |
| GAIL ANTHONY | Director Trustee or director | 1 | $0 | $0 |
3 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KEITH LYNCH | Director Trustee or director | 1 | $0 |
| RANDY VANPORTFLIET | Director Trustee or director | 1 | $0 |
| CYNTHIA DEPETRO | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| THOMAS BLAKE | CEO Officer | 40 | $367,034 | $49,564 |
| BRENDA LIPPENS | President Officer | 40 | $299,788 | $44,143 |
| DAVID BLACK | COO Officer | 40 | $247,894 | $42,116 |
| JUSTIN STORE | Vice President Officer | 40 | $188,348 | $40,190 |
| JENNIFER STEMPKI | CFO Officer | 40 | $153,337 | $32,259 |
| ANN DEMING | Vice President Officer | 40 | $112,091 | $28,847 |
| LAURIE WILLS | Director Officer | 40 | $122,533 | $11,965 |
| MATT NORD | Vice President Officer | 40 | $99,335 | $20,627 |
| SCOTT JAMIESON | Director Trustee or director | 1 | $0 | $0 |
| SANDRA VILLA-MOGUSH | Chairman Trustee or director | 1 | $0 | $0 |
| WILLIAM FERNS | Treasurer Trustee or director | 1 | $0 | $0 |
| MARK CANALE | Director Trustee or director | 1 | $0 | $0 |
| TOM VEAR | Director Trustee or director | 1 | $0 | $0 |
| LEONARD ANGELI | Director Trustee or director | 1 | $0 | $0 |
| BRIAN KULBIEDA | Director Trustee or director | 1 | $0 | $0 |
| GAIL ANTHONY | Director Trustee or director | 1 | $0 | $0 |
| ANDREW WASILEWSKI | Director Trustee or director | 1 | $0 | $0 |
| KEITH LYNCH | Director Trustee or director | 1 | $0 | $0 |
| RANDY VANPORTFLIET | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| THOMAS BLAKE | CEO Officer | 40 | $335,563 | $47,274 |
| BRENDA LIPPENS | President Officer | 40 | $238,018 | $39,603 |
| MATT NORD | Vice President Officer | 40 | $195,264 | $36,183 |
| DAVID BLACK | COO Officer | 40 | $190,224 | $35,780 |
| JUSTIN STORE | Vice President Officer | 40 | $180,800 | $34,411 |
| JENNIFER STEMPKI | CFO Officer | 40 | $141,646 | $27,058 |
| ANN DEMING | Vice President Officer | 40 | $110,852 | $19,813 |
| LAURIE WILLS | Director Officer | 40 | $100,485 | $10,282 |
| SCOTT JAMIESON | Director Trustee or director | 1 | $0 | $0 |
| SANDRA VILLA-MOGUSH | Chairman Trustee or director | 1 | $0 | $0 |
| WILLIAM FERNS | Treasurer Trustee or director | 1 | $0 | $0 |
| MARK CANALE | Director Trustee or director | 1 | $0 | $0 |
| TOM VEAR | Director Trustee or director | 1 | $0 | $0 |
| LEONARD ANGELI | Director Trustee or director | 1 | $0 | $0 |
| BRIAN KULBIEDA | Director Trustee or director | 1 | $0 | $0 |
| GAIL ANTHONY | Director Trustee or director | 1 | $0 | $0 |
| ANDREW WASILEWSKI | Director Trustee or director | 1 | $0 | $0 |
| KEITH LYNCH | Director Trustee or director | 1 | $0 | $0 |
| RANDY VANPORTFLIET | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 601 S MCCLELLAN AVE, MARQUETTE, MI 49855-5509
- In care of
- % AVR
- Principal officer (990 for 2025)
- TOM BLAKE
- Signed the 990
- JENNIFER STEMPKI, CFO
- Phone
- (906) 228-7080
- Website
- https://embers.org
- Return prepared by
- FINANCIAL STANDARDS GROUP INC
Mission
SPARK OPPORTUNITIES. LIGHT UP COMMUNITIES.
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 32,332.
- 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 28,223.
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
- 38-1489465
- 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)
- $583,615,642
- Income (IRS master file)
- $33,820,145
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $33,820,145 | $28,393,558 | $583,615,642 | IRS |
| 990 | December 2024 | $29,891,836 | $27,837,493 | $548,839,668 | XML |
| 990 | December 2023 | $25,332,798 | $22,632,248 | $515,551,996 | XML |
| 990 | December 2022 | $21,128,039 | $18,149,828 | $485,631,668 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 38-1489465).
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 38-1489465.
- 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 TOM BLAKE.
- 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 18 people; 8 received compensation from the organization, the highest $574,386 (THOMAS BLAKE, 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 $33,820,145, expenses of $28,393,558 and total assets of $583,615,642 at year end.
Other nonprofits in MARQUETTE
- MARQUETTE COMMUNITY FOUNDATION EIN 38-2826563 · last filed 990 for 2025
- ADULT LEARNING SYSTEMS-UP INC EIN 38-3413578 · last filed 990 for 2025
- THE NORTHERN MICHIGAN UNIVERSITY FOUNDATION EIN 23-7034523 · last filed 990 for 2025
- NORTHERN GREAT LAKES INITIATIVES EIN 47-3130767 · last filed 990 for 2024
- ALGER-MARQUETTE COMMUNITY ACTION BOARD EIN 38-1797320 · last filed 990 for 2025
- GOODWILL INDUSTRIES OF NORTHERN WISCONSIN & UPPER MICHIGAN INC EIN 39-1049987 · last filed 990 for 2025
- SUPERIOR WATERSHED PARTNERSHIP EIN 38-3492677 · last filed 990 for 2024
- UPPER PENINSULA HEALTH EDUCATION CORPORATION EIN 23-7360416 · last filed 990 for 2025