Nonprofit · EIN 38-1497358
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 097 VIBE CREDIT UNION
Tax-exempt (reinstated) · NOVI, MI 48377
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $96,147,177 | $90,675,741 | $5,471,436 | $1,363,411,645 | $1,215,712,077 | $147,699,568 |
| December 31, 2024 | 990 | $87,417,868 | $82,289,960 | $5,127,908 | $1,316,659,640 | $1,187,498,638 | $129,161,002 |
| December 31, 2023 | 990 | $70,370,228 | $62,710,756 | $7,659,472 | $1,234,661,523 | $1,112,162,841 | $122,498,682 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $77,117,486
- Investment income
- $19,029,691
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $248,660
- Compensation of officers, directors and key employees
- $3,295,559
- Other salaries and wages
- $16,853,549
- Salaries, compensation and benefits (total)
- $28,209,392
- Professional fundraising fees
- $0
- Legal fees
- -$4,212
- Accounting fees
- $146,250
- Occupancy
- $2,440,158
- Travel
- $126,314
- Depreciation
- $2,788,570
Balance sheet and other
- Total assets, start of year
- $1,316,659,640
- Total assets, end of year
- $1,363,411,645
- Total liabilities, end of year
- $1,215,712,077
- Net assets, end of year
- $147,699,568
- Land, buildings and equipment
- $32,486,517
- Gross unrelated business income
- $51,497
- Gross receipts
- $96,147,177
- Employees
- 311
- 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 |
|---|---|---|---|---|
| CHAZ RZEWNICKI | PRESIDENT/CEO Officer | 37.5 | $757,675 | $62,299 |
| ERIC HEINRICH | CHIEF FINANCIAL OFFICER Officer | 37.5 | $357,533 | $51,580 |
| JENNIFER WOESSNER | CHIEF TALENT AND RETAIL OFFICER Key employee | 37.5 | $348,169 | $47,492 |
| JEFFREY PASCOE | CHIEF OPERATIONS AND STRATEGY OFFICER Key employee | 37.5 | $339,224 | $52,109 |
| STEVEN SMITH | CHIEF TECHNOLOGY AND SECURITY OFFICER Key employee | 37.5 | $295,272 | $42,498 |
| JENNIFER BLEAU | CHIEF BRAND AND GROWTH OFFICER Key employee | 37.5 | $273,015 | $48,199 |
| ROBIN THOMPSON | SENIOR VICE PRESIDENT (SVP) OF STRATEGIC IMPACT Key employee | 37.5 | $277,813 | $43,099 |
| TERESA DIGAETANO | CHIEF CREDIT OFFICER Key employee | 37.5 | $243,694 | $38,530 |
| MICHAEL LIEBERMAN | VP COMMERCIAL SERVICES & MORTGAGE SALES Highest-paid employee | 37.5 | $229,031 | $39,491 |
| MICHAEL LOWE | COMMERCIAL LOAN OFFICER Highest-paid employee | 37.5 | $204,098 | $22,284 |
| JAY HEFEL | VP OF DATA AND DIGITAL BANKING Highest-paid employee | 37.5 | $177,915 | $38,365 |
| ANTHONY TAORMINA | VP OF BUILDING OPERATIONS Highest-paid employee | 37.5 | $162,604 | $37,513 |
| MARGARET SPURLIN | VP OF LENDING & COLLECTIONS Highest-paid employee | 37.5 | $163,763 | $34,360 |
| STEPHEN WESTBROOKS | VICE CHAIRPERSON Trustee or director, Officer | 2 | $4,146 | $0 |
| GAIA PIIR | BOARD CHARIPERSON Trustee or director, Officer | 4 | $3,948 | $0 |
8 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MICHAEL IVANICS | DIRECTOR Trustee or director | 1 | $3,948 |
| DOUGLAS WILLIAMS | DIRECTOR Trustee or director | 1 | $1,462 |
| JENNA ROMAIN | DIRECTOR Trustee or director | 1 | $1,299 |
| CHRISTA MURPHY | DIRECTOR Trustee or director | 1 | $934 |
| STANLEY MOORE | BOARD TREASURER Trustee or director, Officer | 2 | $824 |
| MICHELLE SAUNDERS | DIRECTOR Trustee or director | 1 | $797 |
| ARTHUR FRASCA | BOARD SECRETARY Trustee or director, Officer | 2 | $0 |
| COLLEEN BARTON | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 25 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Chaz Rzewnicki | President/CEO Officer | 37.5 | $1,033,418 | $58,446 |
| Eric Heinrich | Chief Financial Officer Officer | 37.5 | $345,025 | $49,056 |
| Jeffrey Pascoe | Chief Data and Digital Officer Key employee | 37.5 | $337,743 | $49,428 |
| Robin Thompson | Chief Operations Officer Key employee | 37.5 | $310,470 | $44,999 |
| Steven Smith | Chief Information Officer Key employee | 37.5 | $292,044 | $40,985 |
| Teresa DiGaetano | Chief Credit Officer Key employee | 37.5 | $289,195 | $42,781 |
| Jennifer Woessner | Chief Talent Officer Key employee | 37.5 | $290,828 | $32,512 |
| Caitrina Slavey thru 111524 | Chief Risk Officer Key employee | 37.5 | $273,082 | $34,626 |
| Jennifer Bleau | Chief Brand and Growth Officer Key employee | 37.5 | $256,632 | $45,663 |
| Michael Lieberman | Director of Commercial Lending Highest-paid employee | 37.5 | $230,224 | $35,671 |
| David Ciborowski thru 111524 | Facilities Manager Highest-paid employee | 37.5 | $210,796 | $29,661 |
| Jay Hefel | Director of Business Intelligence and Digital Highest-paid employee | 37.5 | $177,193 | $37,250 |
| Justina Casillas | Director of Talent and Development Highest-paid employee | 37.5 | $159,377 | $24,175 |
| Gary Mark Hurt | Director of Technical Systems Highest-paid employee | 37.5 | $150,496 | $28,942 |
| Douglas Williams | Director Trustee or director | 1 | $4,092 | $0 |
| Michael Ivanics | Director Trustee or director | 1 | $3,672 | $0 |
| Stephen Westbrooks | Vice Chairperson Trustee or director, Officer | 2 | $3,161 | $0 |
| Marilyn Baker THRU 101524 | Director Trustee or director | 1 | $2,914 | $0 |
| Gaia Piir | Board Chariperson Trustee or director, Officer | 4 | $2,900 | $0 |
| Stanley Moore | Board Treasurer Trustee or director, Officer | 2 | $2,256 | $0 |
| Christa Murphy | Director Trustee or director | 1 | $880 | $0 |
| Arthur Frasca | Board Secretary Trustee or director, Officer | 2 | $0 | $0 |
| Colleen Barton | Director Trustee or director | 1 | $0 | $0 |
| Jenna Romain | Director Trustee or director | 1 | $0 | $0 |
| Michelle Saunders | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 28 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CHAZ RZEWNICKI | PRESIDENT/CEO Officer | 37.5 | $767,027 | $53,724 |
| ALLAN MCMORRIS | FORMER PRESIDENT/CEO Former | 0 | $537,640 | $0 |
| ROBIN THOMPSON | CHIEF OPERATIONS OFFICER Key employee | 37.5 | $253,755 | $41,009 |
| STEVEN SMITH | CHIEF INFORMATION OFFICER Key employee | 37.5 | $239,005 | $41,201 |
| JEFFREY PASCOE | CHIEF DATA AND DIGITAL OFFICER Key employee | 37.5 | $234,435 | $41,905 |
| TERESA DIGAETANO | CHIEF CREDIT OFFICER Key employee | 37.5 | $236,763 | $39,097 |
| KOREY JENKINS | VP OF LENDING (THRU 10/31/23) Key employee | 37.5 | $223,399 | $35,558 |
| KELLY HESS | CHIEF FINANCIAL OFFICER(THRU 6/1/23) Key employee | 37.5 | $236,572 | $15,229 |
| CAITRINA SLAVEY | CHIEF RISK OFFICER Key employee | 37.5 | $188,532 | $37,721 |
| MICHAEL LIEBERMAN | DIRECTOR OF COMMERCIAL LENDING Highest-paid employee | 37.5 | $180,051 | $34,791 |
| JENNIFER WOESSNER | CHIEF TALENT OFFICER Key employee | 37.5 | $162,940 | $31,026 |
| SCOTT CHAMPAGNE | COLLECTIONS MANAGER Highest-paid employee | 37.5 | $141,523 | $29,327 |
| MARK HURT | DIRECTOR OF TECHNICAL SYSTEMS Highest-paid employee | 37.5 | $135,472 | $27,449 |
| STEPHANIE LAMAS | DIRECTOR OF REAL ESTATE LENDING Highest-paid employee | 37.5 | $123,191 | $30,135 |
| HEATHER THOMPSON | CONTROLLER Highest-paid employee | 37.5 | $132,878 | $16,871 |
| THOMAS REAGAN | FORMER PRESIDENT/CEO Former | 0 | $122,000 | $0 |
| MICHAEL IVANICS | BOARD CHAIRPERSON Trustee or director, Officer | 4 | $0 | $0 |
| GAIA PIIR | VICE CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
| STANLEY MOORE | BOARD SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| STEPHEN WESTBROOKS | BOARD TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| MARILYN BAKER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| COLLEEN BARTON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ARTHUR FRASCA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHRISTA MURPHY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JENNA ROMAIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHELLE SAUNDERS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DOUGLAS WILLIAMS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JAMES FITZPATRICK | DIRECTOR - PART YEAR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 44575 W TWELVE MILE RD, NOVI, MI 48377-2505
- In care of
- % ERIC HEINRICH
- Principal officer (990 for 2025)
- CHAZ RZEWNICKI, 44575 W TWELVE MILE RD, NOVI, MI 48377
- Signed the 990
- HEATHER THOMPSON, CONTROLLER
- Phone
- (248) 735-9500
- Website
- WWW.VIBECREDITUNION.COM
- Return prepared by
- PLANTE & MORAN PLLC
Mission
TO ENHANCE THE FINANCIAL WELL-BEING OF OUR MEMBERS
Program accomplishments
- PROVIDE 74,515 MEMBERS WITH REGULAR SAVINGS, CHECKING, MONEY MARKETS, BUSINESS SAVINGS, IRA SAVINGS AND CERTIFICATES OF DEPOSIT ACCOUNTS TOTALING 174,013.
- PROVIDE 43,388 LOANS INCLUDING VEHICLE, RECREATIONAL VEHICLE, LINES OF CREDIT, CREDIT CARDS, HOME EQUITY, MORTGAGE, BUSINESS, SIGNATURE AND SHARED SECURED LOANS.
- OFFER AUTOMATED TELLER MACHINES (ATMS), DEBIT CARD, HOME BANKING, BILL PAYMENTS, COURTESY PAY, AND VARIOUS INSURANCE PRODUCTS 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
- 38-1497358
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 2023
- 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)
- $1,363,411,645
- Income (IRS master file)
- $96,147,177
Revocation and reinstatement
- Exemption revoked
- May 15, 2022
- Posted by the IRS
- August 8, 2022
- Reinstated
- Effective May 15, 2022
From the IRS automatic revocation list: organizations that did not file a required return or e-Postcard for three consecutive years.
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $96,147,177 | $90,675,741 | $1,363,411,645 | XML |
| 990 | December 2024 | $87,417,868 | $82,289,960 | $1,316,659,640 | XML |
| 990 | December 2023 | $70,370,228 | $62,710,756 | $1,234,661,523 | XML |
| 990 | December 2022 | $60,191,684 | $48,127,958 | $1,218,826,830 | 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 38-1497358).
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 38-1497358.
- Is CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN tax-exempt?
- Yes. The IRS revoked its exemption on May 15, 2022 and reinstated it effective May 15, 2022.
- 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 CHAZ RZEWNICKI.
- 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 23 people; 21 received compensation from the organization, the highest $757,675 (CHAZ RZEWNICKI, 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 $96,147,177, expenses of $90,675,741 and total assets of $1,363,411,645 at year end.
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