Nonprofit · EIN 38-1644983
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 845 TOTAL COMMUNITY CREDIT UNION
Tax-exempt · TAYLOR, MI 48180
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 (amended) | $6,386,205 | $4,516,842 | $1,869,363 | $100,755,781 | $88,726,804 | $12,028,977 |
| December 31, 2023 | 990 | $5,537,345 | $3,755,114 | $1,782,231 | $98,616,930 | $88,996,503 | $9,620,427 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $5,154,667
- Investment income
- $1,231,538
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $311,400
- Other salaries and wages
- $1,241,174
- Salaries, compensation and benefits (total)
- $1,980,497
- Professional fundraising fees
- $0
- Legal fees
- $1,443
- Occupancy
- $88,160
- Travel
- $57,864
- Depreciation
- $121,582
Balance sheet and other
- Total assets, start of year
- $98,616,930
- Total assets, end of year
- $100,755,781
- Total liabilities, end of year
- $88,726,804
- Net assets, end of year
- $12,028,977
- Land, buildings and equipment
- $2,529,050
- Publicly traded securities
- $22,961,808
- Gross unrelated business income
- $40,235
- Gross receipts
- $6,386,205
- Employees
- 36
- Volunteers
- 6
- Year formed
- 1960
- 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 |
|---|---|---|---|---|
| SUSETTE SCHIRM | President & CEO Officer | 40 | $257,681 | $53,719 |
| ROBERT MERRIMAN | Chairman Trustee or director | 1 | $0 | $0 |
| RONALD BRITT | Director Trustee or director | 1 | $0 | $0 |
| KENNETH NELSON | Treasurer Trustee or director | 1 | $0 | $0 |
| DONALD MYERS | Director Trustee or director | 1 | $0 | $0 |
| DENNIS DANVILLE | Director Trustee or director | 1 | $0 | $0 |
| SANDRA TANNER | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 7 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SUSETTE SCHIRM | President & CEO Officer | 40 | $224,805 | $52,911 |
| ROBERT MERRIMAN | Chairman Trustee or director | 1 | $0 | $0 |
| RONALD BRITT | Director Trustee or director | 1 | $0 | $0 |
| KENNETH NELSON | Treasurer Trustee or director | 1 | $0 | $0 |
| DONALD MYERS | Director Trustee or director | 1 | $0 | $0 |
| DENNIS DANVILLE | Director Trustee or director | 1 | $0 | $0 |
| SANDRA TANNER | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 25155 GODDARD RD, TAYLOR, MI 48180-3923
- Principal officer (990 for 2024)
- SUSETTE SCHIRM, 25155 GODDARD RD, TAYLOR, MI 48180
- Signed the 990
- SUSETTE SCHIRM, CEO
- Phone
- (313) 291-3300
- Website
- WWW.TCCU.US
- Return prepared by
- FINANCIAL STANDARDS GROUP INC
Mission
TOTAL COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION COMMITTED TO PROVIDING THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES WITH A FOCUS ON CONVENIENCE, VALUE AND EXCELLENT MEMBER SERVICE.
Program accomplishments
- THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATE AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2024 WAS 6,707.
- THE CREDIT UNION PROVIDES A VARIETY OF LOAN TYPES TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2024 WAS 5,704.
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
- 38-1644983
- 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)
- $100,755,781
- Income (IRS master file)
- $6,386,205
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $6,386,205 | $4,516,842 | $100,755,781 | IRS |
| 990 | December 2023 | $5,537,345 | $3,755,114 | $98,616,930 | XML |
| 990 | December 2022 | $4,439,149 | $3,233,987 | $98,918,041 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 38-1644983).
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 38-1644983.
- 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 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 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 2024.
- Who is the principal officer of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2024 names SUSETTE SCHIRM.
- Who are the officers and directors of CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN?
- The 990 for the year ended December 31, 2024 lists 7 people; 1 received compensation from the organization, the highest $257,681 (SUSETTE SCHIRM, President & CEO).
- How much revenue does CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $6,386,205, expenses of $4,516,842 and total assets of $100,755,781 at year end.
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