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Credit Unions Chartered In The State Of Michigan

384 Extra 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.

Details

According to its Dec. 2023 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$24.2M (2023)

Expenses
$19.2M (2023)

Total Assets
$312M (2023)

Total Liabilities
$274M (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
$24,218,411
Expenses
$19,212,785
Net Income
$5,005,626
Net Assets
$37,649,279
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $21,948,276
90.6%
Investment Income $2,270,135
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 $1,150,190
6.0%
Professional Fundraising Fees $0
Other Salaries and Wages $4,923,367
25.6%
Assets/Debt
Total Assets $311,717,527
Total Liabilities $274,068,248
Net Assets $37,649,279
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Deidra Williams (Ceo) $549,899 $0 $43,723
Kristin Kasinec (Vp Of Finance) $275,545 $0 $27,984
James Mcqueen (Vp Of Member Services) $228,492 $0 $24,547
Stacey Comiska (Avp Finance) $161,228 $0 $26,550
Paul Shammas (It Manager) $138,082 $0 $10,565
Mary Kay Osgood (Avp Of Risk) $132,424 $0 $22,005
Ruthann Varosi (Avp Of Marketing) $130,233 $0 $20,467
Carrie Robertson (Avp Member Service) $127,040 $0 $25,839
Anne Covert (Chairperson) $0 $0 $0
Donald Slagel (Vice Chairperson) $0 $0 $0
Phillip Jankowski (Treasurer) $0 $0 $0
John Permaloff (Secretary) $0 $0 $0
Claudia Mullin (Board Member) $0 $0 $0
Michael Stroud (Board Member) $0 $0 $0
Kenneth Meerschaert (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,868,717
Expenses
$16,640,278
Net Income
$4,228,439
Net Assets
$31,155,011
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,550,296
88.9%
Investment Income $2,318,421
11.1%
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 $860,023
5.2%
Professional Fundraising Fees $0
Other Salaries and Wages $4,795,369
28.8%
Assets/Debt
Total Assets $314,332,667
Total Liabilities $283,177,656
Net Assets $31,155,011
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Deidra Williams (Ceo) $518,992 $0 $42,483
Kristin Kasinec (Vp Of Finance) $263,048 $0 $35,500
James Mcqueen (Vp Of Member Services) $214,167 $0 $30,783
Stacey Comiska (Avp Finance) $143,757 $0 $31,018
Paul Shammas (It Manager) $130,763 $0 $14,774
Mary Kay Osgood (Avp Of Risk) $128,165 $0 $26,082
Carrie Robertson (Avp Member Service) $121,961 $0 $26,588
Anne Covert (Chairperson) $0 $0 $0
Donald Slagel (Vice Chairperson) $0 $0 $0
Phillip Jankowski (Treasurer) $0 $0 $0
John Permaloff (Secretary) $0 $0 $0
Claudia Mullin (Board Member) $0 $0 $0
Michael Stroud (Board Member) $0 $0 $0
David Roman (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$18,894,161
Expenses
$13,912,428
Net Income
$4,981,733
Net Assets
$36,075,261
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,096,643
90.5%
Investment Income $1,860,704
9.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$63,186
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $786,164
5.7%
Professional Fundraising Fees $0
Other Salaries and Wages $4,573,336
32.9%
Assets/Debt
Total Assets $324,083,688
Total Liabilities $288,008,427
Net Assets $36,075,261
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Deidra Williams (Ceo) $485,443 $0 $45,492
Kristin Kasinec (Vp Of Finance) $228,721 $0 $26,508
James Mcqueen (Vp Of Member Services) $180,943 $0 $20,553
Stacey Comiska (Avp Finance) $134,640 $0 $26,182
Paul Shammas (It Manager) $124,337 $0 $25,884
Mary Kay Osgood (Avp Of Risk) $121,291 $0 $37,443
Carrie Robertson (Avp Member Service) $114,066 $0 $25,429
Donald Slagel (Vice Chairperson) $0 $0 $0
Anne Covert (Chairperson) $0 $0 $0
Michael Stroud (Board Member) $0 $0 $0
Claudia Mullin (Board Member) $0 $0 $0
John Permaloff (Secretary) $0 $0 $0
Phillip Jankowski (Treasurer) $0 $0 $0
David Roman (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,980,667
Expenses
$13,847,394
Net Income
$6,133,273
Net Assets
$33,695,368
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,269,366
91.4%
Investment Income $1,711,301
8.6%
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 $714,889
5.2%
Professional Fundraising Fees $0
Other Salaries and Wages $4,215,163
30.4%
Assets/Debt
Total Assets $290,366,632
Total Liabilities $256,671,264
Net Assets $33,695,368
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Deidra Williams (Ceo) $436,576 $0 $36,499
Kristin Kasinec (Vp Of Finance) $211,476 $0 $30,338
James Mcqueen (Vp Of Member Services) $149,568 $0 $24,699
Stacey Comiska (Avp Finance) $124,447 $0 $25,687
Mary Kay Osgood (Avp Of Risk) $113,851 $0 $22,249
Carrie Robertson (Avp Of Member Service) $105,485 $0 $24,875
Donald Slagel (Vice Chairperson) $0 $0 $0
Anne Covert (Chairperson) $0 $0 $0
Michael Stroud (Board Member) $0 $0 $0
Claudia Mullin (Board Member) $0 $0 $0
John Permaloff (Secretary) $0 $0 $0
Phillip Jankowski (Treasurer) $0 $0 $0
David Roman (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,034,085
Expenses
$16,286,151
Net Income
$2,747,934
Net Assets
$26,332,827
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $16,969,589
89.2%
Investment Income $2,132,049
11.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$67,553
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $593,991
3.6%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $236,332,868
Total Liabilities $210,000,041
Net Assets $26,332,827
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Deidra Williams (Ceo) $360,208 $0 $34,974
Kristin Kasinec (Vp Of Finance) $171,190 $0 $27,619
James Mcqueen (Vp Of Member Services) $113,212 $0 $22,349
Paul Shammas (It Manager) $106,344 $0 $12,591
Stacey Comiska (Avp Finance) $104,914 $0 $23,772
Donald Slagel (Vice Chairperson) $0 $0 $0
Anne Covert (Chairperson) $0 $0 $0
Tammy Findlay (Board Member) $0 $0 $0
Claudia Mullin (Secretary) $0 $0 $0
John Permaloff (Board Member) $0 $0 $0
Phillip Jankowski (Treasurer) $0 $0 $0
Jason Zirnis (Assoc. Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$17,630,120
Expenses
$15,670,873
Net Income
$1,959,247
Net Assets
$21,582,892
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,834,958
89.8%
Investment Income $1,920,824
10.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$125,662
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $612,897
3.9%
Professional Fundraising Fees $0
Other Salaries and Wages $3,907,346
24.9%
Assets/Debt
Total Assets $231,278,409
Total Liabilities $209,695,517
Net Assets $21,582,892
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Deidra Williams (Ceo) $441,691 $0 $34,500
Kristin Kasinec (Vp Of Finance) $179,997 $0 $25,709
Carol Visconti (Vp Of Member Services) $135,611 $0 $20,651
James Mcqueen (Vp Of Operations) $118,665 $0 $20,174
Stacey Comiska (Finance Manager) $102,054 $0 $23,226
Donald Slagel (Vice Chairperson) $0 $0 $0
Anne Covert (Chairperson) $0 $0 $0
Tammy Findlay (Secretary) $0 $0 $0
Claudia Mullin (Board Member) $0 $0 $0
Matthew Daniels (Treasurer) $0 $0 $0
John Permaloff (Board Member) $0 $0 $0
Phillip Jankowski (Board Member) $0 $0 $0
Jason Zirnis (Assoc. Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,831,444
Expenses
$12,959,650
Net Income
$1,871,794
Net Assets
$20,334,932
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,171,497
88.8%
Investment Income $1,672,290
11.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$12,343
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $730,325
5.6%
Professional Fundraising Fees $0
Other Salaries and Wages $3,272,834
25.3%
Assets/Debt
Total Assets $221,776,917
Total Liabilities $201,441,985
Net Assets $20,334,932
Compensation
Key Employees and Officers Compensation Related Other
Deidra M Williams (Ceo) $369,834 $0 $31,711
Kristin Kasinec (Vp Of Finance) $158,114 $0 $25,561
Carol Visconti (Vp Of Member Services) $125,296 $0 $19,807
Anne Covert (Chairman) $0 $0 $0
Donald Slagel (Vice Chairman) $0 $0 $0
Matthew Daniels (Treasurer) $0 $0 $0
Tammy Findlay (Secretary) $0 $0 $0
Dennis Brooks (Board Director) $0 $0 $0
Claudia Mullin (Board Director) $0 $0 $0
John Permaloff (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,694,585
Expenses
$11,164,913
Net Income
$1,529,672
Net Assets
$18,418,231
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,932,781
86.1%
Investment Income $1,836,392
14.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$74,588
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $659,387
5.9%
Professional Fundraising Fees $0
Other Salaries and Wages $2,860,202
25.6%
Assets/Debt
Total Assets $213,866,541
Total Liabilities $195,448,310
Net Assets $18,418,231
Compensation
Key Employees and Officers Compensation Related Other
Deidra M Williams (Asst. Treasurer) $329,085 $0 $30,816
Kristin Kasinec (Vp Of Finance) $144,133 $0 $23,204
Carol Visconti (Vp Of Member Services) $113,859 $0 $18,290
Anne Covert (Chairman) $0 $0 $0
Donald Slagel (Vice Chairman) $0 $0 $0
Matthew Daniels (Treasurer) $0 $0 $0
Tammy Findlay (Secretary) $0 $0 $0
Dennis Brooks (Board Director) $0 $0 $0
Claudia Mullin (Board Director) $0 $0 $0
John Permaloff (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,294,391
Expenses
$10,467,291
Net Income
$827,100
Net Assets
$17,450,472
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,893,416
87.6%
Investment Income $1,395,437
12.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $5,538
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $660,086
6.3%
Professional Fundraising Fees $0
Other Salaries and Wages $2,594,550
24.8%
Assets/Debt
Total Assets $202,273,212
Total Liabilities $184,822,740
Net Assets $17,450,472
Compensation
Key Employees and Officers Compensation Related Other
Deidra M Williams (President/Ceo) $336,970 $0 $28,431
Kristin Kasinec (Vp Of Finance) $138,594 $0 $19,807
Carol Visconti (Vp Of Member Services) $117,695 $0 $18,591
Dennis Brooks (Chairman) $0 $0 $0
Donald Slagel (Vice Chairman) $0 $0 $0
Anne Covert (Treasurer) $0 $0 $0
Claudia Mullin (Board Director) $0 $0 $0
Tammy Findlay (Board Director) $0 $0 $0
Matthew Daniels (Board Director) $0 $0 $0
John Permaloff (Associate Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,016,578
Expenses
$9,861,368
Net Income
$1,155,210
Net Assets
$16,668,571
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,226,962
92.8%
Investment Income $831,309
7.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$41,693
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $492,400
5.0%
Professional Fundraising Fees $0
Other Salaries and Wages $2,554,918
25.9%
Assets/Debt
Total Assets $194,765,047
Total Liabilities $178,096,476
Net Assets $16,668,571
Compensation
Key Employees and Officers Compensation Related Other
Deidra M Williams (President/Ceo) $286,344 $0 $26,258
Kristin Kasinec (Vp Of Finance) $103,551 $0 $17,327
Carol Visconti (Vp Of Member Services) $102,504 $0 $10,586
Dennis Brooks (Chairman) $0 $0 $0
Donald Slagel (Vice Chairman) $0 $0 $0
Anne Covert (Treasurer) $0 $0 $0
Claudia Mullin (Board Director) $0 $0 $0
Tammy Findlay (Board Director) $0 $0 $0
Matthew Daniels (Board Director) $0 $0 $0
John Permaloff (Associate Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,224,981
Expenses
$10,042,824
Net Income
$1,182,157
Net Assets
$15,251,756
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,041,953
89.5%
Investment Income $1,140,379
10.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $42,649
0.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $368,013
3.7%
Professional Fundraising Fees $0
Other Salaries and Wages $2,522,468
25.1%
Assets/Debt
Total Assets $192,662,177
Total Liabilities $177,410,421
Net Assets $15,251,756
Compensation
Key Employees and Officers Compensation Related Other
Deidra M Williams (President/Ceo) $234,911 $0 $24,359
Dennis Brooks (Chairman) $0 $0 $0
Donald Slagel (Vice Chairman) $0 $0 $0
Brian Hagle (Secretary) $0 $0 $0
Anne Covert (Treasurer) $0 $0 $0
Claudia Mullin (Board Director) $0 $0 $0
Tammy Findlay (Board Director) $0 $0 $0
John Summerhill (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,830,310
Expenses
$9,580,489
Net Income
$249,821
Net Assets
$14,660,738
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,359,239
85.0%
Investment Income $1,396,538
14.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $74,533
0.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $312,118
3.3%
Professional Fundraising Fees $0
Other Salaries and Wages $2,352,089
24.6%
Assets/Debt
Total Assets $192,872,029
Total Liabilities $178,211,291
Net Assets $14,660,738

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,661,324
Expenses
$10,168,960
Net Income
$492,364
Net Assets
$14,112,812
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,211,380
86.4%
Investment Income $1,259,187
11.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $190,757
1.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $302,549
3.0%
Professional Fundraising Fees $0
Other Salaries and Wages $2,389,752
23.5%
Assets/Debt
Total Assets $194,960,167
Total Liabilities $180,847,355
Net Assets $14,112,812

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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