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Credit Unions Chartered In The State Of Michigan

1117 Christian Financial Cu

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$35.7M (2022)

Expenses
$29.6M (2022)

Total Assets
$820M (2022)

Total Liabilities
$743M (2022)

Source: Form 990 tax filings from 2011 to 2022

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 Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$35,732,823
Expenses
$29,590,642
Net Income
$6,142,181
Net Assets
$77,286,844
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $31,492,325
88.1%
Investment Income $4,054,642
11.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $3,185
0.0%
Net Inventory Sales $0
Other Revenue $182,671
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $692,587
2.3%
Professional Fundraising Fees $0
Other Salaries and Wages $10,142,839
34.3%
Assets/Debt
Total Assets $819,959,969
Total Liabilities $742,673,125
Net Assets $77,286,844
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $499,536 $0 $27,691
Steven Andrews (Chief Administration Offic) $169,563 $0 $26,431
Lauren Fogarty (Chief Digital Strategies O) $151,996 $0 $20,011
James Speshock (Coo) $145,815 $0 $22,235
Vallorie Mcbride (Cfo) $144,961 $0 $20,399
Rebekah Monroe (Chief Marketing And Growth Officer) $126,813 $0 $31,703
Dennis Banker (Commercial Loan Officer) $124,843 $0 $15,899
James Banaszak (Board Chairman) $0 $0 $0
Mark Tuttle (Board Vice Chairperson) $0 $0 $0
Paul Avery (Board Secretary) $0 $0 $0
Fred Andary (Board Treasurer) $0 $0 $0
Jeff Malacko (Board Director) $0 $0 $0
John Amrhein (Board Director) $0 $0 $0
Kim Regener (Board Director) $0 $0 $0
Lee Castiglioni (Board Director) $0 $0 $0
Michael Domzalski (Board Director) $0 $0 $0
Tamika Anderson (Board Director) $0 $0 $0
Tony Shereda (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$33,417,719
Expenses
$28,250,503
Net Income
$5,167,216
Net Assets
$75,923,813
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $29,170,790
87.3%
Investment Income $2,171,687
6.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $18,381
0.1%
Net Inventory Sales $0
Other Revenue $2,056,861
6.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $632,618
2.2%
Professional Fundraising Fees $0
Other Salaries and Wages $9,399,136
33.3%
Assets/Debt
Total Assets $826,475,315
Total Liabilities $750,551,502
Net Assets $75,923,813
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $455,601 $0 $24,977
Steven Andrews (Chief Administration Offic) $164,782 $0 $27,052
Dennis Banker (Commercial Loan Officer) $155,397 $0 $17,625
James Speshock (Coo) $134,546 $0 $21,665
Vallorie Mcbride (Cfo) $132,248 $0 $19,792
David Maurer (Manager Of Network Securit) $122,470 $0 $9,494
Lauren Fogarty (Chief Digital Strategies Officer) $112,907 $0 $18,842
Paul Avery (Board Secretary) $0 $0 $0
James Banaszak (Board Chairman) $0 $0 $0
John Amrhein (Board Director) $0 $0 $0
Fred Andary (Board Treasurer) $0 $0 $0
Jeff Malacko (Board Director) $0 $0 $0
Mark Tuttle (Board Vice Chairperson) $0 $0 $0
Kim Regener (Board Director) $0 $0 $0
Lee Castiglioni (Board Director) $0 $0 $0
Tamika Anderson (Board Director) $0 $0 $0
Michael Domzalski (Board Director) $0 $0 $0
Tony Shereda (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$32,051,397
Expenses
$29,004,803
Net Income
$3,046,594
Net Assets
$71,491,848
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $27,227,511
84.9%
Investment Income $1,528,233
4.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $64,039
0.2%
Net Inventory Sales $0
Other Revenue $3,231,614
10.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $610,870
2.1%
Professional Fundraising Fees $0
Other Salaries and Wages $9,149,866
31.5%
Assets/Debt
Total Assets $723,216,284
Total Liabilities $651,724,436
Net Assets $71,491,848
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $440,831 $0 $21,662
James Speshock (Coo) $142,436 $0 $20,442
Vallorie Mcbride (Cfo) $131,079 $0 $17,298
David Maurer (Manager Of Network Securit) $117,285 $0 $25,725
Steven Andrews (Chief Administration Officer) $116,767 $0 $17,570
Dennis Banker (Commercial Loan Officer) $116,015 $0 $11,119
Lauren Fogarty (Chief Strategy Officer) $113,195 $0 $19,771
Paul Avery (Board Secretary) $0 $0 $0
James Banaszak (Board Treasurer) $0 $0 $0
James Beaudoin (Board Vice Chairperson) $0 $0 $0
John Amrhein (Board Director) $0 $0 $0
Michelle Boedeker (Board Director) $0 $0 $0
Mike Domzalski (Board Chairman) $0 $0 $0
Fred Andary (Board Director) $0 $0 $0
Rob Hojnacki (Board Director) $0 $0 $0
Jeff Malacko (Board Director) $0 $0 $0
Kim Regener (Board Director) $0 $0 $0
Mark Tuttle (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$26,094,424
Expenses
$23,007,205
Net Income
$3,087,219
Net Assets
$47,949,388
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $23,840,435
91.4%
Investment Income $1,769,932
6.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$10,288
Net Inventory Sales $0
Other Revenue $494,345
1.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $608,836
2.6%
Professional Fundraising Fees $0
Other Salaries and Wages $7,157,852
31.1%
Assets/Debt
Total Assets $429,328,252
Total Liabilities $381,378,864
Net Assets $47,949,388
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $399,656 $0 $67,051
James Speshock (Coo) $139,225 $0 $31,783
Vallorie Mcbride (Cfo) $118,132 $0 $23,997
Dennis Banker (Commercial Loan Officer) $117,988 $0 $16,283
David Maurer (Manager Of Network Security) $116,771 $0 $22,785
Douglas Dinning (Chief Legal Counsel) $115,569 $0 $39,226
Donna M Anargyros (Chief Lending Officer) $113,894 $0 $25,682
Paul Avery (Secretary) $0 $0 $0
James Banaszak (Treasurer) $0 $0 $0
James Beaudoin (Vice Chairperson) $0 $0 $0
William Amrhein (Board Director) $0 $0 $0
Shelley Boedeker (Board Director) $0 $0 $0
Mike Domzalski (Board Chairman) $0 $0 $0
Fred Andary (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$24,389,388
Expenses
$20,521,394
Net Income
$3,867,994
Net Assets
$43,885,594
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $22,780,042
93.4%
Investment Income $1,605,227
6.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$34,044
Net Inventory Sales $0
Other Revenue $38,163
0.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $421,935
2.1%
Professional Fundraising Fees $0
Other Salaries and Wages $6,767,710
33.0%
Assets/Debt
Total Assets $389,195,815
Total Liabilities $345,310,221
Net Assets $43,885,594
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $352,746 $0 $19,869
James Speshock (Coo) $132,886 $0 $21,074
Douglas Dinning (Legal Counsel) $119,293 $0 $22,538
David Maurer (Director Of Information Systems) $113,569 $0 $9,457
Donna M Anargyros (Chief Lending Officer) $111,877 $0 $18,174
Lauren J Fogarty (Chief Strategy Officer) $108,588 $0 $15,827
Vallorie Mcbride (Cfo) $44,287 $0 $5,033
Paul Avery (Secretary) $0 $0 $0
James Banaszak (Treasurer) $0 $0 $0
James Beaudoin (Board Director) $0 $0 $0
William Amrhein (Board Director) $0 $0 $0
Shelley Boedeker (Board Director) $0 $0 $0
Mike Domzalski (Board Chairman) $0 $0 $0
James Shereda (Board Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$23,788,349
Expenses
$20,285,023
Net Income
$3,503,326
Net Assets
$40,372,454
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,348,279
85.5%
Investment Income $1,312,335
5.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $21,074
0.1%
Net Inventory Sales $0
Other Revenue $2,106,661
8.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $647,792
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $6,038,485
29.8%
Assets/Debt
Total Assets $381,310,206
Total Liabilities $340,937,752
Net Assets $40,372,454
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $346,909 $0 $26,104
James Speshock (Coo) $124,630 $0 $20,926
Douglas Dinning (Legal Counsel) $119,380 $0 $22,912
David Maurer (Cio) $116,205 $0 $13,018
Paul Avery (Secretary) $0 $0 $0
James Banaszak (Treasurer) $0 $0 $0
James Beaudoin (Board Vice Chairman) $0 $0 $0
William Amrhein (Board Director) $0 $0 $0
Shelley Boedeker (Board Director) $0 $0 $0
Mike Domzalski (Board Chairman) $0 $0 $0
James Shereda (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,245,521
Expenses
$18,959,100
Net Income
$3,286,421
Net Assets
$37,078,087
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,508,523
92.2%
Investment Income $1,094,706
4.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $4,584
0.0%
Net Inventory Sales $0
Other Revenue $637,708
2.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $591,719
3.1%
Professional Fundraising Fees $0
Other Salaries and Wages $5,535,680
29.2%
Assets/Debt
Total Assets $362,629,806
Total Liabilities $325,551,719
Net Assets $37,078,087
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $313,413 $0 $19,194
James Speshock (Coo) $122,729 $0 $14,739
Douglas Dinning (Legal Counsel) $119,914 $0 $14,517
David Maurer (Cio) $112,995 $0 $8,649
Paul Avery (Secretary) $0 $0 $0
James Banaszak (Treasurer) $0 $0 $0
James Beaudoin (Board Director) $0 $0 $0
William Amrhein (Board Director) $0 $0 $0
James Kosnick (Board Director) $0 $0 $0
Shelley Boedeker (Board Director) $0 $0 $0
Mike Domzalski (Chairman) $0 $0 $0
James Shereda (Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,782,560
Expenses
$16,878,941
Net Income
$3,903,619
Net Assets
$33,912,558
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,994,560
91.4%
Investment Income $943,043
4.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$113,116
Net Inventory Sales $0
Other Revenue $958,073
4.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $609,575
3.6%
Professional Fundraising Fees $0
Other Salaries and Wages $5,405,619
32.0%
Assets/Debt
Total Assets $342,547,287
Total Liabilities $308,634,729
Net Assets $33,912,558
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $315,437 $0 $17,683
James Speshock (Coo) $128,815 $0 $18,737
Douglas Dinning (Legal Counsel) $120,646 $0 $18,294
David Maurer (Cio) $119,994 $0 $8,909
Paul Avery (Board Director) $0 $0 $0
James Banaszak (Treasurer) $0 $0 $0
James Beaudoin (Board Vice Chairman) $0 $0 $0
William Amrhein (Board Director) $0 $0 $0
James Kosnick (Board Chairman) $0 $0 $0
Shelley Boedeker (Board Director) $0 $0 $0
Mike Domzalski (Secretary) $0 $0 $0
James Shereda (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,647,027
Expenses
$15,897,550
Net Income
$3,749,477
Net Assets
$29,873,774
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,067,887
92.0%
Investment Income $905,556
4.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $699
0.0%
Net Inventory Sales $0
Other Revenue $672,885
3.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $627,939
3.9%
Professional Fundraising Fees $0
Other Salaries and Wages $4,740,607
29.8%
Assets/Debt
Total Assets $329,150,005
Total Liabilities $299,276,231
Net Assets $29,873,774
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $298,863 $0 $15,932
James Speshock (Coo) $112,480 $0 $13,261
David Maurer (Cio) $103,855 $0 $9,778
Christina Saucedo (Cfo) $69,645 $0 $4,125
Paul Avery (Board Director) $0 $0 $0
James Banaszak (Treasurer) $0 $0 $0
James Beaudoin (Board Vice Chairman) $0 $0 $0
Douglas Dinning Until 6214 (Board Director) $0 $0 $0
William Amrhein (Board Director) $0 $0 $0
James Kosnik (Board Chairman) $0 $0 $0
Shelley Boedeker (Board Director) $0 $0 $0
Mike Domzalski (Secretary) $0 $0 $0
James Shereda (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,220,469
Expenses
$14,094,742
Net Income
$5,125,727
Net Assets
$25,757,948
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $16,434,280
85.5%
Investment Income $618,418
3.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $407,952
2.1%
Net Inventory Sales $0
Other Revenue $1,759,819
9.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $506,338
3.6%
Professional Fundraising Fees $0
Other Salaries and Wages $4,320,763
30.7%
Assets/Debt
Total Assets $311,069,737
Total Liabilities $285,311,789
Net Assets $25,757,948
Compensation
Key Employees and Officers Compensation Related Other
Patricia Campbell (President & Ceo) $230,214 $0 $12,974
James Speshock (Coo) $104,099 $0 $11,714
David Maurer (Cio) $101,781 $0 $8,301
Cheryl Commyn Left 12313 (Svp & Cfo) $33,505 $0 $3,750
John Amrhein (Board Chairman) $0 $0 $0
Paul Avery (Board Director) $0 $0 $0
James Banaszak (Treasurer) $0 $0 $0
James Beaudoin (Board Vice Chairman) $0 $0 $0
Douglas Dinning (Board Director) $0 $0 $0
James Kacmarzyk Left May 2013 (Board Director) $0 $0 $0
James Kosnik (Secretary) $0 $0 $0
Doug Mckeon Left May 2013 (Board Director) $0 $0 $0
Shelley Boedeker (Board Director) $0 $0 $0
Mike Domzalski (Board Director) $0 $0 $0
James Shereda (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$17,791,201
Expenses
$14,187,664
Net Income
$3,603,537
Net Assets
$21,099,490
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $16,680,867
93.8%
Investment Income $480,781
2.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $289,986
1.6%
Net Inventory Sales $0
Other Revenue $339,567
1.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $439,831
3.1%
Professional Fundraising Fees $0
Other Salaries and Wages $4,142,649
29.2%
Assets/Debt
Total Assets $269,385,386
Total Liabilities $248,285,896
Net Assets $21,099,490

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$16,780,809
Expenses
$15,306,500
Net Income
$1,474,309
Net Assets
$17,640,171
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,488,253
92.3%
Investment Income $559,017
3.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $530,622
3.2%
Net Inventory Sales $0
Other Revenue $202,917
1.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $397,649
2.6%
Professional Fundraising Fees $0
Other Salaries and Wages $3,750,969
24.5%
Assets/Debt
Total Assets $253,630,723
Total Liabilities $235,990,552
Net Assets $17,640,171

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

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

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

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

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

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

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

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

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

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

Document Links

About 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.

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