Nonprofit · EIN 38-1598795
CREDIT UNION CHARTERED IN THE STATE OF MICHIGAN
Also known as 506 INTANDEM CREDIT UNION
Tax-exempt · GRAND RAPIDS, MI 49505
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $4,161,984 | $3,810,256 | $351,728 | $71,470,962 | $63,399,530 | $8,071,432 |
| December 31, 2023 | 990 | $3,827,815 | $3,337,276 | $490,539 | $72,187,777 | $64,509,390 | $7,678,387 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $3,598,638
- Investment income
- $563,346
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $1,860
- Compensation of officers, directors and key employees
- $284,562
- Other salaries and wages
- $838,171
- Salaries, compensation and benefits (total)
- $1,434,304
- Professional fundraising fees
- $0
- Legal fees
- $15,008
- Accounting fees
- $66,740
- Occupancy
- $139,915
- Depreciation
- $148,310
Balance sheet and other
- Total assets, start of year
- $72,187,777
- Total assets, end of year
- $71,470,962
- Total liabilities, end of year
- $63,399,530
- Net assets, end of year
- $8,071,432
- Land, buildings and equipment
- $3,952,409
- Gross unrelated business income
- $26,645
- Gross receipts
- $4,161,984
- Employees
- 31
- Volunteers
- 7
- 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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KRISTEN PLICHTA | PRESIDENT/CEO Officer | 60 | $141,597 | $29,614 |
| TRACY ELMORABETI | VP OF ACCOUNTING Officer | 45 | $91,193 | $22,158 |
| JON DENHOF | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| ELIZABETH WINNINGER | VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| VICKI SEIDL | TREASURER Trustee or director | 1 | $0 | $0 |
| KRISTIAN DANIEL | SECRETARY Trustee or director | 1 | $0 | $0 |
| DANIEL KENT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ESTEBAN CAMARGO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| AL JANO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DANIEL KENDALL | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BARBARA PAGE | SPECIAL PROJECT COORDINATOR (EFF. APRIL 2023) Officer | 45 | $136,006 | $23,867 |
| KRISTEN PLICHTA | PRESIDENT/CEO Officer | 60 | $131,974 | $17,009 |
| TRACY ELMORABETI | VP OF ACCOUNTING Officer | 45 | $86,560 | $20,865 |
| JON DENHOF | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| ELIZABETH WINNINGER | VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| VICKI SEIDL | TREASURER Trustee or director | 1 | $0 | $0 |
| KRISTIAN DANIEL | SECRETARY Trustee or director | 1 | $0 | $0 |
| DANIEL KENT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DANIEL KENDALL | DIRECTOR Trustee or director | 1 | $0 | $0 |
| AL JANO | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1619 PLAINFIELD AVE NE, GRAND RAPIDS, MI 49505-4703
- Principal officer (990 for 2024)
- KRISTEN PLICHTA, 1619 PLAINFIELD NE, GRAND RAPIDS, MI 49505
- Signed the 990
- KRISTEN PLICHTA, PRESIDENT/CEO
- Phone
- (616) 336-3490
- Website
- WWW.INTANDEMCU.COM
- Return prepared by
- DOEREN MAYHEW
Mission
TO EXCEED EXPECTATIONS IN EVERY INTERACTION AND INSPIRE OUR NEIGHBORS TO ACHIEVE FINANCIAL STABILITY AND SUCCESS.
Program accomplishments
- PROVIDE 5,051 MEMBERS WITH SAVINGS, SHARE DRAFT, HIGH YIELD SHARES, VACATION AND CHRISTMAS CLUB, BUSINESS AND FIDUCIARY ACCOUNTS, CERTIFICATES OF DEPOSIT, IRAS AND MONEY MARKET ACCOUNTS WITH AGGREGATE BALANCES THAT APPROXIMATED $62,700,000 AS OF DECEMBER 31, 2024.
- PROVIDE 3,141 LOANS INCLUDING HOME EQUITY, SHARE SECURED, FIRST MORTGAGE, CREDIT CARD, UNSECURED, NEW AND USED VEHICLE, RECREATIONAL VEHICLES, AND LINE OF CREDIT. TOTAL LOAN BALANCES APPROXIMATED $43,700,000 AS OF DECEMBER 31, 2024.
- OFFER ATM AND DEBIT CARDS, SHARED BRANCHING, MONEY ORDERS, BILL PAY, CHECK CASHING, WIRE TRANSFERS, BILINGUAL SERVICES AND INSURANCE PRODUCTS.
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 | Not 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
- 38-1598795
- 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)
- $71,470,962
- Income (IRS master file)
- $4,161,984
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $4,161,984 | $3,810,256 | $71,470,962 | XML |
| 990 | December 2023 | $3,827,815 | $3,337,276 | $72,187,777 | XML |
| 990 | December 2022 | $3,505,118 | $2,944,229 | $72,689,468 | 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 38-1598795).
Questions about CREDIT UNION CHARTERED IN THE STATE OF MICHIGAN
- What is the EIN of CREDIT UNION CHARTERED IN THE STATE OF MICHIGAN?
- The employer identification number (EIN) of CREDIT UNION CHARTERED IN THE STATE OF MICHIGAN is 38-1598795.
- Is CREDIT UNION 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 UNION 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 UNION 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 UNION CHARTERED IN THE STATE OF MICHIGAN due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CREDIT UNION 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 2024.
- Who is the principal officer of CREDIT UNION CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2024 names KRISTEN PLICHTA.
- Who are the officers and directors of CREDIT UNION CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2024 lists 10 people; 2 received compensation from the organization, the highest $141,597 (KRISTEN PLICHTA, PRESIDENT/CEO).
- How much revenue does CREDIT UNION CHARTERED IN THE STATE OF MICHIGAN have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $4,161,984, expenses of $3,810,256 and total assets of $71,470,962 at year end.
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