Credit Unions Chartered In The State Of Michigan

148 Lakes Community Credit Union

Lake Orion, MI
Tax-exempt since Oct. 1956
EIN: 38-0936455

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This organization is not listed in the IRS's most recent list of tax exempt organizations, but we have data associated with this Employer Identification Number.

Type of Nonprofit

Designated as a 501(c)(14) State-chartered credit unions and mutual reserve funds.

Revenue

$4.6M (2019)

Expenses

$3.82M (2019)

Total Assets

$96.6M (2019)

Total Liabilities

$85.1M (2019)

Source: Form 990 tax filings from 2011 to 2019

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Jan.
2020

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2019

Revenue

$4,601,902

Expenses

$3,816,961

Net Income

$784,941

Net Assets

$11,475,578

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$4,043,254	87.9%
Investment Income	$540,445	11.7%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$18,203	0.4%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$308,067	8.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,142,659	29.9%

Assets/Debt
Total Assets	$96,570,328
Total Liabilities	$85,094,750
Net Assets	$11,475,578

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Chevrier (Ceo)	$151,571	$0	$24,697
Samir Shabander (Cfo)	$110,850	$0	$20,949
James Battishill (Vice Chair)	$0	$0	$0
John Clark (Director)	$0	$0	$0
Mark Brackon (Treasurer)	$0	$0	$0
Steven Taylor (Director)	$0	$0	$0
Donald Heydens (Director)	$0	$0	$0
George Wiegand (Chairperson)	$0	$0	$0
Kristy Clark (Secretary)	$0	$0	$0
Kristin Pawlowski (Director)	$0	$0	$0

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990

Filed on June 15, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2018

Revenue

$4,522,325

Expenses

$4,220,129

Net Income

$302,196

Net Assets

$10,370,416

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$4,103,390	90.7%
Investment Income	$418,935	9.3%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$263,499	6.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,101,871	26.1%

Assets/Debt
Total Assets	$98,222,598
Total Liabilities	$87,852,182
Net Assets	$10,370,416

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Chevrier (President/Ceo)	$130,711	$0	$22,131
Samir Shabander (Cfo)	$92,034	$0	$18,623
George Wiegand (Chairperson)	$0	$0	$0
James Battishill (Vice Chairperson)	$0	$0	$0
Kristy Clark (Secretary)	$0	$0	$0
Mark Brackon (Treasurer)	$0	$0	$0
John Clark (Director)	$0	$0	$0
Louay Naaman (Director)	$0	$0	$0
Kristin Pawlowski (Director)	$0	$0	$0
Steven Taylor (Director)	$0	$0	$0
Donald Heydens (Director)	$0	$0	$0

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990

Filed on Nov. 7, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2017

Revenue

$4,130,733

Expenses

$3,926,441

Net Income

$204,292

Net Assets

$10,191,232

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$3,798,729	92.0%
Investment Income	$332,004	8.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$234,198	6.0%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,011,044	25.7%

Assets/Debt
Total Assets	$94,805,158
Total Liabilities	$84,613,926
Net Assets	$10,191,232

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Chevrier (President/Ceo)	$123,666	$0	$20,704
Annette Swidwinski (Clo/Cfo (Jan Sep))	$55,294	$0	$6,316
Samir Shabander (Cfo (Oct Dec))	$25,962	$0	$2,256
George Wiegand (Chairperson)	$0	$0	$0
James Battishill (Vice Chairperson)	$0	$0	$0
Kristy Clark (Secretary)	$0	$0	$0
Mark Brackon (Treasurer)	$0	$0	$0
John Clark (Director)	$0	$0	$0
Louay Naaman (Director)	$0	$0	$0
Kristin Pawlowski (Director)	$0	$0	$0
Steven Taylor (Director)	$0	$0	$0
Donald Heydens (Director)	$0	$0	$0

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990

Filed on Nov. 14, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2016

Revenue

$3,737,718

Expenses

$3,829,373

Net Income

-$91,655

Net Assets

$10,010,702

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$3,482,233	93.2%
Investment Income	$337,170	9.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$81,685
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$220,815	5.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$998,236	26.1%

Assets/Debt
Total Assets	$90,479,467
Total Liabilities	$80,468,765
Net Assets	$10,010,702

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Chevrier (President/Ceo)	$123,841	$0	$18,623
Annette Swidwinski (Clo/Cfo)	$71,246	$0	$7,105
James Battishill (Vice President)	$0	$0	$0
George Wiegand (Chairman)	$0	$0	$0
Kristy Clark (Secretary)	$0	$0	$0
Mark Brackon (Treasurer)	$0	$0	$0
John Clark (Director)	$0	$0	$0
Christine Hoard (Director)	$0	$0	$0
Louay Naaman (Director)	$0	$0	$0
Steven Taylor (Director)	$0	$0	$0
Donald Heydens (Director)	$0	$0	$0

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990

Filed on Nov. 16, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2015

Revenue

$3,890,757

Expenses

$3,790,946

Net Income

$99,811

Net Assets

$10,210,935

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$3,662,082	94.1%
Investment Income	$254,246	6.5%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$25,571
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$220,777	5.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,071,422	28.3%

Assets/Debt
Total Assets	$91,023,899
Total Liabilities	$80,812,964
Net Assets	$10,210,935

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Chevrier (President/Ceo)	$123,402	$0	$11,654
Annette Swidwinski (Clo/Cfo)	$64,796	$0	$6,441
James Battishill (Chairperson)	$0	$0	$0
George Wiegand (Vice Chairperson)	$0	$0	$0
James Hare (Secretary)	$0	$0	$0
Scott Bailey (Treasurer)	$0	$0	$0
John Clark (Director)	$0	$0	$0
Christine Hoard (Director)	$0	$0	$0
Mark Brackon (Director)	$0	$0	$0
Steven Taylor (Director)	$0	$0	$0
Donald Heydens (Director)	$0	$0	$0

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990

Filed on Nov. 15, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2014

Revenue

$3,814,164

Expenses

$3,529,952

Net Income

$284,212

Net Assets

$10,138,717

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$3,443,468	90.3%
Investment Income	$273,702	7.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$96,994	2.5%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$149,188	4.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,132,427	32.1%

Assets/Debt
Total Assets	$88,082,020
Total Liabilities	$77,943,303
Net Assets	$10,138,717

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Chevrier (President/Ceo)	$121,767	$0	$27,420
James Battishill (Chairman)	$0	$0	$0
John Clark (Board Member)	$0	$0	$0
Christine Hoard (Board Member)	$0	$0	$0
Paul Polesnak (Vice Chairman)	$0	$0	$0
Scott Bailey (Treasurer)	$0	$0	$0
James Hare (Board Member)	$0	$0	$0
Steven Taylor (Board Member)	$0	$0	$0
Mark Brackon (Board Member)	$0	$0	$0
Don Heydens (Board Member)	$0	$0	$0
George Wiegand (Board Member)	$0	$0	$0

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990

Filed on May 2, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2013

Revenue

$3,511,989

Expenses

$3,354,137

Net Income

$157,852

Net Assets

$9,289,083

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$3,253,803	92.6%
Investment Income	$236,257	6.7%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$21,929	0.6%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$147,257	4.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,049,314	31.3%

Assets/Debt
Total Assets	$78,163,563
Total Liabilities	$68,874,480
Net Assets	$9,289,083

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Chevrier (Ceo)	$123,563	$0	$23,694
James Battishill (Chairman)	$0	$0	$0
John Clark (Board Member)	$0	$0	$0
Christine Hoard (Board Member)	$0	$0	$0
Paul Polesnak (Vice Chairman)	$0	$0	$0
Scott Bailey (Board Member)	$0	$0	$0
James Hare (Treasurer)	$0	$0	$0
Steven Taylor (Board Member)	$0	$0	$0
Mark Brackon (Board Member)	$0	$0	$0

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990

Filed on May 15, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2012

Revenue

$3,647,202

Expenses

$3,192,889

Net Income

$454,313

Net Assets

$9,294,638

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$3,351,886	91.9%
Investment Income	$295,316	8.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$136,391	4.3%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,041,682	32.6%

Assets/Debt
Total Assets	$77,000,353
Total Liabilities	$67,705,715
Net Assets	$9,294,638

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Revenue

$3,835,777

Expenses

$3,552,978

Net Income

$282,799

Net Assets

$8,821,795

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$3,466,042	90.4%
Investment Income	$369,735	9.6%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$135,351	3.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,019,533	28.7%

Assets/Debt
Total Assets	$72,083,446
Total Liabilities	$63,261,651
Net Assets	$8,821,795

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

PDF (2 of 2)

About This Data

What Is This Data?

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

Raw filing data. Includes EINs and summary financials as structured data.
Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

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Updated April 20, 2026

Credit Unions Chartered In The State Of Michigan

Organization summary

Organization summary might be incomplete or out of date

Type of Nonprofit

Summary charts: organization finances over time

Revenue $4.6M (2019)

Expenses $3.82M (2019)

Total Assets $96.6M (2019)

Total Liabilities $85.1M (2019)

Tax Filings by Year

Fiscal Year Ending Jan. 2020

No Extracted Financial Data

Document Links

990

Fiscal Year Ending Dec. 2019

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2018

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2017

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2016

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2015

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2014

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2013

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2012

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2011

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2010

No Extracted Financial Data

Document Links

990

Fiscal Year Ending Dec. 2009

No Extracted Financial Data

Document Links

990

Fiscal Year Ending Dec. 2008

No Extracted Financial Data

Document Links

990

Fiscal Year Ending Dec. 2007

No Extracted Financial Data

Revenue

$4.6M (2019)

Expenses

$3.82M (2019)

Total Assets

$96.6M (2019)

Total Liabilities

$85.1M (2019)

Fiscal Year Ending Jan.
2020

Fiscal Year Ending Dec.
2019

Fiscal Year Ending Dec.
2018

Fiscal Year Ending Dec.
2017

Fiscal Year Ending Dec.
2016

Fiscal Year Ending Dec.
2015

Fiscal Year Ending Dec.
2014

Fiscal Year Ending Dec.
2013

Fiscal Year Ending Dec.
2012

Fiscal Year Ending Dec.
2011

Fiscal Year Ending Dec.
2010

Fiscal Year Ending Dec.
2009

Fiscal Year Ending Dec.
2008

Fiscal Year Ending Dec.
2007

Fiscal Year Ending Dec.
2006