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Credit Unions Chartered In The State Of Michigan

281 Embers Credit Union

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
$25.3M (2023)

Expenses
$22.6M (2023)

Total Assets
$516M (2023)

Total Liabilities
$467M (2023)

Source: Form 990 tax filings from 2011 to 2023

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.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$25,332,798
Expenses
$22,632,248
Net Income
$2,700,550
Net Assets
$48,675,456
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $23,249,754
91.8%
Investment Income $2,083,044
8.2%
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 $1,743,256
7.7%
Professional Fundraising Fees $0
Other Salaries and Wages $5,663,755
25.0%
Assets/Debt
Total Assets $515,551,996
Total Liabilities $466,876,540
Net Assets $48,675,456
Compensation
Key Employees and Officers Compensation Related Other
Thomas Blake (Ceo) $335,563 $0 $47,274
Brenda Lippens (President) $238,018 $0 $39,603
Matt Nord (Vice President) $195,264 $0 $36,183
David Black (Coo) $190,224 $0 $35,780
Justin Store (Vice President) $180,800 $0 $34,411
Jennifer Stempki (Cfo) $141,646 $0 $27,058
Ann Deming (Vice President) $110,852 $0 $19,813
Laurie Wills (Director) $100,485 $0 $10,282
Scott Jamieson (Director) $0 $0 $0
Sandra Villa Mogush (Chairman) $0 $0 $0
William Ferns (Treasurer) $0 $0 $0
Mark Canale (Director) $0 $0 $0
Tom Vear (Director) $0 $0 $0
Leonard Angeli (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0
Keith Lynch (Director) $0 $0 $0
Randy Vanportfliet (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,128,039
Expenses
$18,149,828
Net Income
$2,978,211
Net Assets
$43,850,077
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,819,582
89.1%
Investment Income $2,286,062
10.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $12,287
0.1%
Net Inventory Sales $0
Other Revenue $10,108
0.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,448,827
8.0%
Professional Fundraising Fees $0
Other Salaries and Wages $5,730,273
31.6%
Assets/Debt
Total Assets $485,631,668
Total Liabilities $441,781,591
Net Assets $43,850,077
Compensation
Key Employees and Officers Compensation Related Other
Tom Blake (Ceo) $301,800 $0 $45,698
Brenda Lippens (President) $218,866 $0 $38,941
David Black (Svp/Coo) $181,667 $0 $35,309
Matt Nord (Clo) $174,696 $0 $35,337
Jennifer Stempki (Cfo) $126,154 $0 $20,658
Justin Store (Ciso) $117,647 $0 $30,444
Laurie Wills (Dir Branch Srv) $110,181 $0 $11,428
Scott Jamieson (Vice Chair) $0 $0 $0
Sandra Villa Mogush (Chairperson) $0 $0 $0
William Ferns (Secretary/Treas) $0 $0 $0
Mark Canale (Director) $0 $0 $0
Tom Vear (Director) $0 $0 $0
Leonard Angeli (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0
Keith Lynch (Director) $0 $0 $0
Randy Van Portfliet (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,135,519
Expenses
$16,204,713
Net Income
$2,930,806
Net Assets
$57,681,036
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $16,920,534
88.4%
Investment Income $2,129,536
11.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $85,449
0.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,367,910
8.4%
Professional Fundraising Fees $0
Other Salaries and Wages $5,237,803
32.3%
Assets/Debt
Total Assets $491,728,057
Total Liabilities $434,047,021
Net Assets $57,681,036
Compensation
Key Employees and Officers Compensation Related Other
Tom Blake (Ceo) $293,387 $0 $46,854
Brenda Lippens (President) $205,179 $0 $38,533
David Black (Vp/Coo) $167,499 $0 $26,939
Matt Nord (Vp Com Lending) $162,090 $0 $29,773
Justin Store (Ciso) $109,069 $0 $21,794
Erik Bessonen (Vp Bus Dev) $108,908 $0 $21,752
Debbie Danielkiewicz (Vp Loan Admin) $107,343 $0 $28,790
Scott Jamieson (Vice Chair) $0 $0 $0
Sandra Villa Mogush (Chairperson) $0 $0 $0
William Ferns (Secretary/Treas) $0 $0 $0
Mark Canale (Director) $0 $0 $0
Jody Jaeger (Director) $0 $0 $0
Leonard Angeli (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0
Keith Lynch (Director) $0 $0 $0
Randy Van Portfliet (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,884,770
Expenses
$14,931,153
Net Income
$953,617
Net Assets
$58,607,087
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $14,395,128
90.6%
Investment Income $1,489,642
9.4%
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 $1,444,400
9.7%
Professional Fundraising Fees $0
Other Salaries and Wages $4,164,789
27.9%
Assets/Debt
Total Assets $456,299,976
Total Liabilities $397,692,889
Net Assets $58,607,087
Compensation
Key Employees and Officers Compensation Related Other
Tom Blake (Ceo) $518,639 $0 $52,466
Matt Nord (Vp Com Lending) $160,732 $0 $29,416
David Black (Vp/Coo) $153,538 $0 $29,321
Brenda Lippens (President) $120,887 $0 $46,113
Justin Store (Ciso) $108,300 $0 $18,678
Debbie Danielkiewicz (Vp Loan Admin) $106,162 $0 $36,523
Suanne Debski (Evp/Coo) $52,953 $0 $10,672
Scott Jamieson (Vice Chair) $0 $0 $0
Sandra Villa Mogush (Chairperson) $0 $0 $0
William Ferns (Secretary/Treas) $0 $0 $0
Mark Canale (Director) $0 $0 $0
Jody Jaeger (Director) $0 $0 $0
Leonard Angeli (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0
Keith Lynch (Director) $0 $0 $0
Randy Van Portfliet (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,228,933
Expenses
$10,356,916
Net Income
$872,017
Net Assets
$32,821,864
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,428,947
84.0%
Investment Income $1,740,463
15.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $59,523
0.5%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $539,390
5.2%
Professional Fundraising Fees $0
Other Salaries and Wages $2,300,143
22.2%
Assets/Debt
Total Assets $234,458,662
Total Liabilities $201,636,798
Net Assets $32,821,864
Compensation
Key Employees and Officers Compensation Related Other
Tom Blake (President/Ceo) $225,824 $0 $28,680
Suanne Debski (Evp/Coo) $130,082 $0 $23,125
David Black (Cfo) $116,504 $0 $15,175
Scott Jamieson (Vice Chair) $0 $0 $0
Sandra Villa Mogush (Chairperson) $0 $0 $0
William Ferns (Secretary/Treas) $0 $0 $0
Mark Canale (Director) $0 $0 $0
Corrin Salminen (Director) $0 $0 $0
Leonard Angeli (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,594,695
Expenses
$6,371,090
Net Income
$2,223,605
Net Assets
$26,983,293
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,008,432
81.5%
Investment Income $1,413,913
16.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $172,350
2.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $590,090
9.3%
Professional Fundraising Fees $0
Other Salaries and Wages $1,513,721
23.8%
Assets/Debt
Total Assets $176,724,593
Total Liabilities $149,741,300
Net Assets $26,983,293

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,741,477
Expenses
$5,956,855
Net Income
$1,784,622
Net Assets
$25,386,297
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,154,514
79.5%
Investment Income $1,417,203
18.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $22,374
0.3%
Net Inventory Sales $0
Other Revenue $147,386
1.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $391,179
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,520,889
25.5%
Assets/Debt
Total Assets $164,256,454
Total Liabilities $138,870,157
Net Assets $25,386,297
Compensation
Key Employees and Officers Compensation Related Other
Tom Blake (President/Ceo) $181,588 $0 $14,544
Suanne Debski (Vice President) $95,826 $0 $7,681
David Black (Cfo) $84,660 $0 $6,880
Scott Jamieson (Director) $0 $0 $0
Sandra Villa Mogush (Treasurer) $0 $0 $0
William Ferns (V Chairman) $0 $0 $0
Mark Canale (Chairman) $0 $0 $0
Corrin Salminen (Director) $0 $0 $0
Leonard Angeli (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,140,029
Expenses
$5,510,151
Net Income
$1,629,878
Net Assets
$23,814,833
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,776,632
80.9%
Investment Income $1,209,502
16.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $59,340
0.8%
Net Inventory Sales $0
Other Revenue $94,555
1.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $284,687
5.2%
Professional Fundraising Fees $0
Other Salaries and Wages $1,423,327
25.8%
Assets/Debt
Total Assets $163,458,437
Total Liabilities $139,643,604
Net Assets $23,814,833
Compensation
Key Employees and Officers Compensation Related Other
Tom Blake (President/Ceo) $166,618 $0 $13,346
Suanne Debski (Vice President) $96,952 $0 $7,771
Scott Jamieson (Director) $0 $0 $0
Sandra Villa Mogush (Treasurer) $0 $0 $0
William Ferns (V Chairman) $0 $0 $0
Mark Canale (Chairman) $0 $0 $0
Corrin Salminen (Director) $0 $0 $0
Leonard Angeli (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,422,938
Expenses
$4,793,802
Net Income
$1,629,136
Net Assets
$22,585,756
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,182,036
80.7%
Investment Income $1,126,612
17.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $114,290
1.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $346,759
7.2%
Professional Fundraising Fees $0
Other Salaries and Wages $1,212,188
25.3%
Assets/Debt
Total Assets $155,985,194
Total Liabilities $133,399,438
Net Assets $22,585,756
Compensation
Key Employees and Officers Compensation Related Other
Tom Blake (President/Ceo) $235,888 $0 $12,065
Suanne Debski (Vice President) $91,525 $0 $7,281
Scott Jamieson (Director) $0 $0 $0
Sandra Villa Mogush (Treasurer) $0 $0 $0
William Ferns (V Chairperson) $0 $0 $0
Mark Canale (Chairman) $0 $0 $0
Corrin Salminen (Director) $0 $0 $0
Leonard Angeli (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,962,984
Expenses
$4,839,434
Net Income
$1,123,550
Net Assets
$21,044,799
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,720,428
79.2%
Investment Income $1,151,949
19.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $90,607
1.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $248,401
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,249,491
25.8%
Assets/Debt
Total Assets $145,690,383
Total Liabilities $124,645,584
Net Assets $21,044,799
Compensation
Key Employees and Officers Compensation Related Other
Tom Blake (President/Ceo) $144,501 $0 $11,566
Suanne Debski (Vice President) $85,495 $0 $6,839
Scott Jamieson (Chairperson) $0 $0 $0
Sandra Villa Mogush (V Chairperson) $0 $0 $0
William Ferns (Treas & Sectry) $0 $0 $0
Mark Canale (Director) $0 $0 $0
Corrin Salminen (Director) $0 $0 $0
Richard Guenther (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,796,088
Expenses
$4,743,875
Net Income
$1,052,213
Net Assets
$19,883,350
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,493,886
77.5%
Investment Income $1,207,061
20.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $95,141
1.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $265,207
5.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,150,895
24.3%
Assets/Debt
Total Assets $138,252,939
Total Liabilities $118,369,589
Net Assets $19,883,350
Compensation
Key Employees and Officers Compensation Related Other
Tom Blake (President/Ceo) $141,910 $0 $13,353
Suanne Debski (Vice President) $100,874 $0 $9,070
Scott Jamieson (Chairperson) $0 $0 $0
Sandra Villa Mogush (V Chairperson) $0 $0 $0
William Ferns (Treas & Sectry) $0 $0 $0
Mark Canale (Director) $0 $0 $0
Corrin Salminen (Director) $0 $0 $0
Richard Guenther (Director) $0 $0 $0
Brian Kulbieda (Director) $0 $0 $0
Gail Anthony (Director) $0 $0 $0
Andrew Wasilewski (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,569,263
Expenses
$4,504,546
Net Income
$1,064,717
Net Assets
$19,719,392
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,999,614
71.8%
Investment Income $1,494,972
26.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $74,677
1.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $209,017
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,077,060
23.9%
Assets/Debt
Total Assets $137,968,916
Total Liabilities $118,249,524
Net Assets $19,719,392

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,467,853
Expenses
$4,407,104
Net Income
$1,060,749
Net Assets
$19,019,055
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,713,772
67.9%
Investment Income $1,696,307
31.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $57,774
1.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $252,702
5.7%
Professional Fundraising Fees $0
Other Salaries and Wages $925,097
21.0%
Assets/Debt
Total Assets $126,548,725
Total Liabilities $107,529,670
Net Assets $19,019,055

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

Fiscal Year Ending Dec.
2005

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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