Nonprofit · EIN 38-1544138
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 0530 WEST MICHIGAN CREDIT UNION
Tax-exempt (reinstated) · GRAND RAPIDS, MI 49503
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $26,223,247 | $21,484,859 | $4,738,388 | $442,908,616 | $365,192,155 | $77,716,461 |
| December 31, 2024 | 990 | $14,377,811 | $9,842,589 | $4,535,222 | $252,339,496 | $201,537,290 | $50,802,206 |
| December 31, 2023 | 990 | $13,254,286 | $10,123,384 | $3,130,902 | $253,915,068 | $207,745,350 | $46,169,718 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $331,642
- Program service revenue
- $18,297,456
- Investment income
- $7,594,149
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $39,000
- Compensation of officers, directors and key employees
- $1,277,772
- Other salaries and wages
- $5,130,067
- Salaries, compensation and benefits (total)
- $8,754,630
- Professional fundraising fees
- $0
- Legal fees
- $119,112
- Accounting fees
- $90,266
- Occupancy
- $990,031
- Travel
- $17,274
- Depreciation
- $529,603
Balance sheet and other
- Total assets, start of year
- $252,339,496
- Total assets, end of year
- $442,908,616
- Total liabilities, end of year
- $365,192,155
- Net assets, end of year
- $77,716,461
- Land, buildings and equipment
- $9,238,606
- Publicly traded securities
- $121,662,136
- Gross unrelated business income
- $144,204
- Gross receipts
- $37,542,402
- Employees
- 156
- Volunteers
- 15
- Year formed
- 1956
- 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 |
|---|---|---|---|---|
| WILLIAM KEIM | PRESIDENT Officer | 40 | $371,408 | $48,829 |
| THOMAS W KUZDZAL | CHIEF INVESTMENT OFFICER Officer | 40 | $171,070 | $22,192 |
| JEANIE SMITH | CHIEF OPERATION OFFICER Officer | 40 | $141,432 | $42,017 |
| JOSEPH HEINTSKILL | CEO Officer | 40 | $156,695 | $15,027 |
| CASSIE PATTERSON | CHIEF RISK AND COMPLIANCE OFFICER Officer | 40 | $148,759 | $11,253 |
| ROBERT DRAEGER | CHIEF FINANCIAL OFFICER Officer | 40 | $132,180 | $16,910 |
| WILLIAM SENIURA | VP OF COMMERICAL LENDING Highest-paid employee | 40 | $120,686 | $9,709 |
| JENNIFER BRIGSTOCK | VP OF OPERATIONS Highest-paid employee | 40 | $106,633 | $11,344 |
| BRIANA VACHON | VP OF HUMAN RESOURCES Highest-paid employee | 40 | $101,748 | $14,914 |
| BRENT NEVINS | CHAIPERSON Trustee or director | 5 | $0 | $0 |
| MICHAEL ROPELE | VICE CHAIRPERSON (THRU 3/31/25) Trustee or director | 3 | $0 | $0 |
| MARLIN BAKER | DIRECTOR Trustee or director | 3 | $0 | $0 |
| DANIEL TITUS | TREASURER Trustee or director | 3 | $0 | $0 |
| JOE COUTURE | DIRECTOR (THRU 3/31/25) Trustee or director | 3 | $0 | $0 |
| SCOTT COLLINS | DIRECTOR Trustee or director | 3 | $0 | $0 |
8 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CLARE KWANT | DIRECTOR (THRU 3/31/25) Trustee or director | 3 | $0 |
| STEVEN KENYON | DIRECTOR Trustee or director | 3 | $0 |
| SHIRLEE HARRY | DIRECTOR Trustee or director | 3 | $0 |
| BRIAN BORR | DIRECTOR Trustee or director | 3 | $0 |
| MEGHAN KATERBERG | DIRECTOR Trustee or director | 3 | $0 |
| JASON MILLER | SECRETARY Trustee or director | 3 | $0 |
| TODD REMINGA | DIRECTOR Trustee or director | 3 | $0 |
| ROXANNE SPECK | VICE CHAIRPERSON Trustee or director | 3 | $0 |
990 for the year ended December 31, 2024: 13 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| WILLIAM KEIM | CEO Officer | 45 | $362,801 | $39,551 |
| THOMAS W KUZDZAL | CFO Officer | 45 | $162,888 | $18,543 |
| JEANENE SMITH | COO Officer | 45 | $125,312 | $29,683 |
| CASSIE PATTERSON | CHIEF RISK AND COMPLIANCE OFFICER Officer | 45 | $132,399 | $9,175 |
| BRENT NEVINS | BOARD CHAIR Trustee or director | 5 | $0 | $0 |
| MICHAEL ROPELE | VICE BOARD CHAIR Trustee or director | 3 | $0 | $0 |
| MARLIN BAKER | SECRETARY Trustee or director | 3 | $0 | $0 |
| DANIEL TITUS | TREASURER Trustee or director | 3 | $0 | $0 |
| JOE COUTURE | DIRECTOR Trustee or director | 3 | $0 | $0 |
| SCOTT COLLINS | DIRECTOR Trustee or director | 3 | $0 | $0 |
| CLARE KWANT | DIRECTOR Trustee or director | 3 | $0 | $0 |
| STEVE KENYON | DIRECTOR Trustee or director | 3 | $0 | $0 |
| SHIRLEE HARRY | DIRECTOR Trustee or director | 3 | $0 | $0 |
990 for the year ended December 31, 2023: 13 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| WILLIAM KEIM | CEO Officer | 45 | $350,639 | $37,891 |
| THOMAS KUZDZAL | CFO Officer | 45 | $152,711 | $18,055 |
| JEANENE SMITH | COO Officer | 45 | $120,418 | $28,570 |
| CASSIE PATTERSON | CHIEF RISK AND COMPLIANCE OFFICER Officer | 45 | $116,195 | $8,181 |
| BRENT NEVINS | BOARD CHAIR Trustee or director | 5 | $0 | $0 |
| MICHAEL ROPELE | VICE BOARD CHAIR Trustee or director | 3 | $0 | $0 |
| MARLIN BAKER | SECRETARY Trustee or director | 3 | $0 | $0 |
| DANIEL TITUS | TREASURER Trustee or director | 3 | $0 | $0 |
| JOE COUTURE | DIRECTOR Trustee or director | 3 | $0 | $0 |
| SCOTT COLLINS | DIRECTOR Trustee or director | 3 | $0 | $0 |
| CLARE KWANT | DIRECTOR Trustee or director | 3 | $0 | $0 |
| STEVE KENYON | DIRECTOR Trustee or director | 3 | $0 | $0 |
| SHIRLEE HARRY | DIRECTOR Trustee or director | 3 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1720 MICHIGAN ST NE, GRAND RAPIDS, MI 49503-2018
- In care of
- % JOSEPH HEINTSKILL
- Principal officer (990 for 2025)
- JOSEPH HEINTSKILL, 1319 FRONT AVE NW, GRAND RAPIDS, MI 49504
- Signed the 990
- JOSEPH HEINTSKILL, CEO
- Phone
- (616) 451-4567
- Website
- WWW.WESTMICHIGANCU.COM
- Return prepared by
- DOEREN MAYHEW
Mission
DELIVERING RESPONSIBLE FINANCIAL SERVICES THAT EMPOWER OUR MEMBERS AND BUILD A MORE SUSTAINABLE AND RESILIENT FUTURE.
Program accomplishments
- INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM THE INVESTMENT OF MEMBER FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED 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
- 38-1544138
- 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
- Category (NTEE)
- Public and societal benefit (W61)
- Group exemption
- 1359: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
- Assets (IRS master file)
- $442,908,616
- Income (IRS master file)
- $37,542,402
Revocation and reinstatement
- Exemption revoked
- May 15, 2013
- Posted by the IRS
- August 12, 2013
- Reinstated
- Effective October 15, 2019
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 | $26,223,247 | $21,484,859 | $442,908,616 | IRS |
| 990 | December 2024 | $14,377,811 | $9,842,589 | $252,339,496 | XML |
| 990 | December 2023 | $13,254,286 | $10,123,384 | $253,915,068 | XML |
| 990 | December 2022 | $12,249,801 | $9,180,849 | $272,614,211 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | 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 38-1544138).
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 38-1544138.
- Is CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN tax-exempt?
- Yes. The IRS revoked its exemption on May 15, 2013 and reinstated it effective October 15, 2019.
- 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 JOSEPH HEINTSKILL.
- 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; 9 received compensation from the organization, the highest $371,408 (WILLIAM KEIM, PRESIDENT).
- 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 $26,223,247, expenses of $21,484,859 and total assets of $442,908,616 at year end.
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All nonprofits in GRAND RAPIDS · Michigan · Public and societal benefit