Nonprofit · EIN 38-6060726
CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN
Also known as 1201 KELLOGG COMMUNITY CREDIT UNION
Tax-exempt · BATTLE CREEK, MI 49016
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $62,301,752 | $48,794,144 | $13,507,608 | $961,622,499 | $803,585,617 | $158,036,882 |
| December 31, 2024 | 990 | $56,966,918 | $42,851,901 | $14,115,017 | $907,537,397 | $766,026,096 | $141,511,301 |
| December 31, 2023 | 990 | $47,149,535 | $34,482,401 | $12,667,134 | $857,416,206 | $731,239,097 | $126,177,109 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $54,524,860
- Investment income
- $7,760,929
- Net rental income
- -$124,200
- Net gain from sales of assets
- $1,773
- Other revenue
- $15,963
Expenses
- Grants and similar amounts paid
- $16,000
- Compensation of officers, directors and key employees
- $1,538,330
- Other salaries and wages
- $9,742,035
- Salaries, compensation and benefits (total)
- $14,308,148
- Professional fundraising fees
- $0
- Legal fees
- $4,832
- Accounting fees
- $216,000
- Occupancy
- $1,072,704
- Travel
- $60,973
- Depreciation
- $1,453,066
Balance sheet and other
- Total assets, start of year
- $907,537,397
- Total assets, end of year
- $961,622,499
- Total liabilities, end of year
- $803,585,617
- Net assets, end of year
- $158,036,882
- Land, buildings and equipment
- $12,560,559
- Publicly traded securities
- $88,915,385
- Gross unrelated business income
- $140,163
- Gross receipts
- $62,515,464
- Employees
- 194
- Volunteers
- 12
- Year formed
- 1941
- 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 |
|---|---|---|---|---|
| TRACY MILLER | CEO Officer | 38 | $503,350 | $59,615 |
| LINDSEY R LAW | CLO Officer | 38 | $240,877 | $26,159 |
| AMBER MALLERNEE | CCO Officer | 38 | $194,130 | $36,135 |
| JERALD PAWLOWICZ | FINANCIAL ADVISOR Highest-paid employee | 37.5 | $194,652 | $33,033 |
| KATE PRATLEY | CHIEF RISK OFFICER Officer | 38 | $164,843 | $37,590 |
| BECKY SCHUTZ | MORTGAGE LOAN ORIGINATOR Highest-paid employee | 37.5 | $170,645 | $23,471 |
| CHRIS HARRIS | CFO Officer | 38 | $159,260 | $22,613 |
| TARA STEELE | BUSINESS LENDING MANAGER Highest-paid employee | 37.5 | $150,642 | $22,253 |
| CHRIS KASPER | SENIOR INFORMATION TECHNOLOGY MANAGER Highest-paid employee | 37.5 | $125,420 | $30,482 |
| JESSICA BISSENDEN | VP OF HR Highest-paid employee | 37.5 | $133,952 | $13,008 |
| JASON CAIN | CHIEF TECHNOLOGY OFFICER - PART YEAR Officer | 38 | $87,732 | $6,027 |
| CAROL CASEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHIRSTOPHER DEMAREST | DIRECTOR Trustee or director | 1 | $0 | $0 |
| E PAUL CHAMBERS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| HENRY PAT ROLFE | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
5 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MARIE SMITH | VICE CHAIRPESON Trustee or director | 1 | $0 |
| MELISSA MILLER | SECRETARY Trustee or director | 1 | $0 |
| ROGER E PITZER | TREASURER Trustee or director | 1 | $0 |
| SEPH DABROWSKI | DIRECTOR Trustee or director | 1 | $0 |
| TREY JUNKINS | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 20 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TRACY MILLER | CEO Officer | 38 | $452,792 | $55,327 |
| ANTHONY JERRY WRIGHT | CFO Officer | 38 | $204,052 | $32,771 |
| LINDSEY R LAW | CLO Officer | 38 | $212,046 | $18,109 |
| JERALD PAWLOWICZ | FINANCIAL ADVISOR Highest-paid employee | 37.5 | $197,229 | $32,018 |
| AMBER MALLERNEE | CCO Officer | 38 | $180,421 | $31,672 |
| KATE PRATLEY | CHIEF RISK OFFICER Officer | 38 | $152,155 | $29,323 |
| TARA STEELE | BUSINESS LENDING MANAGER Highest-paid employee | 37.5 | $129,875 | $16,629 |
| ELEYAN DABABNEH | BUSINESS DEVELOPMENT OFFICER Highest-paid employee | 37.5 | $110,504 | $26,991 |
| KELSEY MCALLASTER | VP OF RETAIL Highest-paid employee | 37.5 | $118,001 | $17,373 |
| JESSICA BISSENDEN | VP OF HR Highest-paid employee | 37.5 | $118,023 | $9,168 |
| JASON CAIN | CHIEF TECHNOLOGY OFFICER Officer | 38 | $56,842 | $1,938 |
| HENRY PAT ROLFE | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| MARIE SMITH | VICE CHAIRPESON Trustee or director | 1 | $0 | $0 |
| MELISSA MILLER | SECRETARY Trustee or director | 1 | $0 | $0 |
| ROGER E PITZER | TREASURER Trustee or director | 1 | $0 | $0 |
| CHIRSTOPHER DEMAREST | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CAROL CASEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| E PAUL CHAMBERS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SEPH DABROWSKI | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TREY JUNKINS | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 20 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TRACY MILLER | CEO Officer | 38 | $444,918 | $51,960 |
| LINDSEY R LAW | CLO Officer | 38 | $224,305 | $21,700 |
| ANTHONY JERRY WRIGHT | CFO Officer | 38 | $203,973 | $30,956 |
| AMBER MALLERNEE | CCO Officer | 38 | $191,357 | $34,132 |
| JERALD PAWLOWICZ | FINANCIAL ADVISOR Highest-paid employee | 37.5 | $176,388 | $28,796 |
| RICK ALBAUGH | VP OF IT Highest-paid employee | 37.5 | $123,925 | $21,306 |
| KIRK SCHWARZ | SENIOR BUSINESS DEVELOPMEN Highest-paid employee | 37.5 | $108,093 | $29,481 |
| KELSEY MCALLASTER | VP OF RETAIL Highest-paid employee | 37.5 | $119,742 | $16,145 |
| JESSICA BISSENDEN | VP OF HR Highest-paid employee | 37.5 | $117,357 | $8,853 |
| KATE PRATLEY | CHIEF RISK OFFICER Officer | 38 | $95,423 | $16,743 |
| MARIE SMITH | VICE CHAIRPESON Trustee or director | 1 | $0 | $0 |
| HENRY PAT ROLFE | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| MELISSA MILLER | SECRETARY Trustee or director | 1 | $0 | $0 |
| ROGER E PITZER | TREASURER Trustee or director | 1 | $0 | $0 |
| CHIRSTOPHER DEMAREST | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CAROL CASEY | DIRECTOR/SUPERVISORY COMMI Trustee or director | 1 | $0 | $0 |
| E PAUL CHAMBERS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHAEL BOUMA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| RICHARD SMITH | EMERITUS DIRECTOR Trustee or director | 0 | $0 | $0 |
| LARRY HAWBLITZ | EMERITUS DIRECTOR Trustee or director | 0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 140, BATTLE CREEK, MI 49016-0140
- Principal officer (990 for 2025)
- TRACY MILLER, PO BOX 140, BATTLE CREEK, MI 490160140
- Signed the 990
- TRACY MILLER, CEO
- Phone
- (269) 968-9251
- Website
- WWW.KELLOGGCCU.ORG
- Return prepared by
- PLANTE & MORAN PLLC
Mission
KCCU IS A FULL-SERVICE FINANCIAL INSTITUTION SERVING FAMILIES FOR DECADES. YOUR CREDIT UNION PROVIDES MORE OPPORTUNITY THAN OTHER FINANCIAL INSTITUTIONS BECAUSE IT IS OWNED AND GOVERNED BY THE PEOPLE WHO UTILIZE ITS PRODUCTS AND SERVICES. EVERY MEMBER OWNS A SHARE OF THE CREDIT UNION, AND THE CREDIT UNION OPERATES TO PROMOTE THE FINANCIAL WELL-BEING OF ALL ITS MEMBERS.
Program accomplishments
- INCOME FROM THE CREDIT UNION MEMBERSHIP AND INVESTMENT OF MEMBERS' 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
- 38-6060726
- 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)
- $961,622,499
- Income (IRS master file)
- $62,515,464
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $62,301,752 | $48,794,144 | $961,622,499 | XML |
| 990 | December 2024 | $56,966,918 | $42,851,901 | $907,537,397 | XML |
| 990 | December 2023 | $47,149,535 | $34,482,401 | $857,416,206 | XML |
| 990 | December 2022 | $40,430,087 | $27,503,013 | $830,760,566 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | 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 38-6060726).
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 38-6060726.
- 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 TRACY MILLER.
- 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 20 people; 11 received compensation from the organization, the highest $503,350 (TRACY MILLER, 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 $62,301,752, expenses of $48,794,144 and total assets of $961,622,499 at year end.
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