Nonprofit · EIN 38-1777731
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 1022 UNITED FINANCIAL CREDIT UNION
Tax-exempt · SAGINAW, MI 48603
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $19,373,270 | $16,919,190 | $2,454,080 | $342,889,625 | $310,516,203 | $32,373,422 |
| December 31, 2024 | 990 | $16,793,117 | $15,353,579 | $1,439,538 | $316,863,291 | $289,765,713 | $27,097,578 |
| December 31, 2023 | 990 | $14,931,851 | $13,349,594 | $1,582,257 | $320,268,833 | $295,728,015 | $24,540,818 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $16,195,472
- Investment income
- $3,208,526
- Net rental income
- -$30,728
- Net gain from sales of assets
- -$74,906
- Other revenue
- -$30,728
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $527,160
- Other salaries and wages
- $3,653,018
- Salaries, compensation and benefits (total)
- $5,240,817
- Professional fundraising fees
- $0
- Legal fees
- $48,873
- Accounting fees
- $74,197
- Occupancy
- $491,007
- Travel
- $27,589
- Depreciation
- $1,190,956
Balance sheet and other
- Total assets, start of year
- $316,863,291
- Total assets, end of year
- $342,889,625
- Total liabilities, end of year
- $310,516,203
- Net assets, end of year
- $32,373,422
- Land, buildings and equipment
- $11,673,234
- Gross unrelated business income
- $64,422
- Gross receipts
- $19,688,374
- Employees
- 99
- Volunteers
- 9
- Year formed
- 1964
- 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 |
|---|---|---|---|---|
| BARBARA APPOLD | CEO Officer | 40 | $252,708 | $12,646 |
| JOSHUA SAWYER | CLO Officer | 40 | $123,969 | $8,956 |
| JARED KACZMARCZYK | CFO Officer | 40 | $126,201 | $2,680 |
| ROBERT CALLISON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| GEORGE CORSER | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| LUKE DANKERT | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| SHERWIN FAULK | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PATRICK PETERSON | CREDIT COMMI Trustee or director | 1 | $0 | $0 |
| JILLYAN POAG | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| ANNA STEVENS | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| RONALD TREVILLIAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| EDWARD ULMER | DIRECTOR Trustee or director, Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BARBARA APPOLD | CEO Officer | 40 | $235,995 | $28,931 |
| JOSHUA SAWYER | CLO Officer | 40 | $130,063 | $18,764 |
| JARED KACZMARCZYK | CFO Officer | 40 | $119,072 | $11,915 |
| ROBERT CALLISON | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| GEORGE CORSER | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| LUKE DANKERT | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| SHERWIN FAULK | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PATRICIA HATCH | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DANIEL NOONAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JILLYAN POAG | DIRECTOR Trustee or director | 1 | $0 | $0 |
| RONALD TREVILLIAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| EDWARD ULMER | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BARBARA APPOLD | CEO Officer | 40 | $238,971 | $18,064 |
| JARED KACZMARCZYK | COO Officer | 40 | $118,627 | $11,241 |
| ROBERT CALLISON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| GEORGE CORSER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SHERWIN FAULT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PATRICIA HATCH | VICE CHAIR/S Trustee or director, Officer | 1 | $0 | $0 |
| BRUCE MILLER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JILLYAN POAG | DIRECTOR Trustee or director | 1 | $0 | $0 |
| RONALD TREVILLIAN | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| JAMES TROMMER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| EDWARD ULMER | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 4685 STATE ST, SAGINAW, MI 48603-3806
- Principal officer (990 for 2025)
- BARBARA APPOLD, PO BOX 6430, SAGINAW, MI 48608
- Signed the 990
- JARED KACZMARCZYK, CFO
- Phone
- (989) 777-3620
- Website
- WWW.UNITEDFINANCIALCU.ORG
- Return prepared by
- ANDREWS HOOPER PAVLIK PLC
Mission
THROUGH INNOVATIVE, FRIENDLY, AND QUALITY SERVICE, UNITED FINANCIAL CREDIT UNION WILL PROVIDE LONG-TERM FINANCIAL STABILITY TO OUR CREDIT UNION, OUR MEMBERS AND THEIR FAMILIES
Program accomplishments
- PROVIDE 21,554 MEMBERS WITH REGULAR SHARES, MONEY MARKET, VACATION CLUB, CHRISTMAS CLUB, SHARE DRAFT, IRA, AND CERTIFICATES OF DEPOSIT
- PROVIDE 9,603 LOANS, INCLUDING VEHICLE, REAL ESTATE, HOME EQUITY, SHARE SECURED, INDIRECT, BUSINESS AND PERSONAL LOANS
- OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, WIRE TRANSFERS, MONEY ORDERS, BILL PAYMENT, OVERDRAFT PROTECTION/COURTESY PAY, REMOTE DEPOSIT CAPTURE, MOBILE BANKING, ID PROTECTION, AND VARIOUS INSURANCE PROGRAMS TO ALL ELIGIBLE MEMBERS
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
- 38-1777731
- 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)
- $342,889,625
- Income (IRS master file)
- $19,688,374
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $19,373,270 | $16,919,190 | $342,889,625 | IRS |
| 990 | December 2024 | $16,793,117 | $15,353,579 | $316,863,291 | IRS |
| 990 | December 2023 | $14,931,851 | $13,349,594 | $320,268,833 | XML |
| 990 | December 2022 | $12,994,180 | $10,341,518 | $320,414,364 | 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 38-1777731).
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 38-1777731.
- 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 BARBARA APPOLD.
- 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 12 people; 3 received compensation from the organization, the highest $252,708 (BARBARA APPOLD, 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 $19,373,270, expenses of $16,919,190 and total assets of $342,889,625 at year end.
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