Nonprofit · EIN 38-1642684
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 510 SUNRISE FAMILY CREDIT UNION
Tax-exempt · BAY CITY, MI 48706
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $6,468,110 | $6,432,525 | $35,585 | $128,178,725 | $116,544,367 | $11,634,358 |
| December 31, 2024 | 990 (amended) | $6,004,587 | $5,683,150 | $321,437 | $133,811,001 | $123,535,979 | $10,275,022 |
| December 31, 2023 | 990 | $5,505,754 | $5,145,723 | $360,031 | $138,641,467 | $130,406,436 | $8,235,031 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $4,090,033
- Investment income
- $2,378,077
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $599,484
- Other salaries and wages
- $1,677,384
- Salaries, compensation and benefits (total)
- $2,808,008
- Professional fundraising fees
- $0
- Legal fees
- $3,336
- Occupancy
- $278,688
- Travel
- $35,358
- Depreciation
- $94,423
Balance sheet and other
- Total assets, start of year
- $133,811,001
- Total assets, end of year
- $128,178,725
- Total liabilities, end of year
- $116,544,367
- Net assets, end of year
- $11,634,358
- Land, buildings and equipment
- $3,667,177
- Publicly traded securities
- $23,150,568
- Gross unrelated business income
- $136,260
- Gross receipts
- $6,468,110
- Employees
- 46
- Volunteers
- 9
- 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 |
|---|---|---|---|---|
| JEFF RABANUS | CEO Officer | 40 | $203,031 | $46,730 |
| MICHELLE HINE | Vice President Officer | 40 | $108,969 | $14,663 |
| LISA FELSKE | Vice President Officer | 40 | $105,162 | $14,390 |
| WHITNEY SODE | CFO Officer | 40 | $100,045 | $6,494 |
| CJ MONTANA | Treasurer Trustee or director | 1 | $0 | $0 |
| RICK MEETH | Director Trustee or director | 1 | $0 | $0 |
| LOUIS MEYETTE | Director Trustee or director | 1 | $0 | $0 |
| DAVID ROYAL | Director Trustee or director | 1 | $0 | $0 |
| JAMES VOSS | Chairman Trustee or director | 1 | $0 | $0 |
| KATHERINE GRANT | Secretary Trustee or director | 1 | $0 | $0 |
| RICK HEINRICH | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JEFF RABANUS | CEO Officer | 40 | $183,530 | $60,275 |
| MICHELLE HINE | Vice President Officer | 40 | $101,552 | $37,242 |
| CJ MONTANA | Treasurer Trustee or director | 1 | $0 | $0 |
| DAVE HUNT | Director Trustee or director | 1 | $0 | $0 |
| DAVID WOLTHUIS | Director Trustee or director | 1 | $0 | $0 |
| LOUIS MEYETTE | Director Trustee or director | 1 | $0 | $0 |
| DAVID ROYAL | Director Trustee or director | 1 | $0 | $0 |
| JAMES VOSS | Chairman Trustee or director | 1 | $0 | $0 |
| KATHERINE GRANT | Secretary Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JEFF RABANUS | CEO Officer | 40 | $160,719 | $26,504 |
| BARB WEILER | FORMER CEO | 0 | $162,848 | $15,125 |
| MICHELLE HINE | Vice President Officer | 40 | $91,549 | $17,355 |
| WHITNEY SODE | Vice President Officer | 40 | $67,728 | $7,797 |
| REBECCA ARNOLD | Vice President Officer | 40 | $45,749 | $11,182 |
| CJ MONTANA | Treasurer Trustee or director | 1 | $0 | $0 |
| DAVE HUNT | Director Trustee or director | 1 | $0 | $0 |
| DAVID WOLTHUIS | Director Trustee or director | 1 | $0 | $0 |
| LOUIS MEYETTE | Chairman Trustee or director | 1 | $0 | $0 |
| DAVID ROYAL | Director Trustee or director | 1 | $0 | $0 |
| JAMES VOSS | Secretary Trustee or director | 1 | $0 | $0 |
| KATHERINE GRANT | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 404 S EUCLID AVE, BAY CITY, MI 48706-3206
- Principal officer (990 for 2025)
- JEFF RABANUS, 404 SOUTH EUCLID AVE, BAY CITY, MI 487063206
- Signed the 990
- WHITNEY SODE, CFO
- Phone
- (989) 684-1730
- Return prepared by
- FINANCIAL STANDARDS GROUP INC
Mission
MEMBER OWNED AND MEMBER CONTROLLED FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SOUND COMPREHENSIVE SERVICES TO ITS FAMILY OF MEMBERS
Program accomplishments
- PROVIDE 11,134 MEMBERS WITH REGULAR SAVINGS, SHARE DRAFTS, CERTIFICATE OF DEPOSIT, IRA, MONEY MARKET AND CLUB ACCOUNTS TOTALING 17,297.
- PROVIDE 4,118 LOANS INCLUDING VEHICLE, PERSONAL, HOME EQUITY, MORTGAGE BUSINESS, OVERDRAFT, SHARE SECURED, INDIRECT AND CREDIT CARD LOANS.
- OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, NO COST BILL PAYER, STUDENT SCHOLARSHIPS, FINANCIAL LITERCY WORKSHOPS IN-SCHOOL, BRANCHES, COURTESY PAY 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
- 38-1642684
- 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)
- $128,178,725
- Income (IRS master file)
- $6,468,110
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $6,468,110 | $6,432,525 | $128,178,725 | XML |
| 990 | December 2024 | $6,004,587 | $5,683,150 | $133,811,001 | IRS |
| 990 | December 2023 | $5,505,754 | $5,145,723 | $138,641,467 | XML |
| 990 | December 2022 | $5,040,649 | $4,766,787 | $142,216,246 | 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 38-1642684).
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 38-1642684.
- 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 JEFF RABANUS.
- 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 11 people; 4 received compensation from the organization, the highest $203,031 (JEFF RABANUS, 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 $6,468,110, expenses of $6,432,525 and total assets of $128,178,725 at year end.
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