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Credit Unions Chartered In The State Of Michigan

258 Western Districts Members Credi
  • Grand Rapids, MI
  • Tax-exempt since Oct. 1956
  • EIN: 38-1614337

Organization summary

Organization summary might be incomplete or out of date

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 State-chartered credit unions and mutual reserve funds.

Details

According to its March 2022 tax filing, this nonprofit:

Reported a significant diversion of assets
Organizations must report any significant unauthorized use of assets upon discovery. A diversion of assets is significant if it exceeds 5% of the organization's gross receipts or assets or $250,000, whichever is lower. Details must be reported on Schedule O.

Summary charts: organization finances over time

Revenue
$354k (2022)

Expenses
$714k (2022)

Total Assets
$0 (2022)

Total Liabilities
$0 (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 March
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$354,149
Expenses
$714,071
Net Income
-$359,922
Net Assets
$0
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $92,508
26.1%
Investment Income $261,641
73.9%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $357,361
50.0%
Assets/Debt
Total Assets $0
Total Liabilities $0
Net Assets $0
Other
Reported a significant diversion of assets
Compensation
Key Employees and Officers Compensation Related Other
David T Keim (Ceo) $42,842 $0 $0
Terri Nieuwkoop (Coo) $34,822 $0 $0
Gail Anderson (Treasurer) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Joseph Couture (Director) $0 $0 $0
Michael Hardiman (Director) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
David Zawacki (Chairman) $0 $0 $0
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Document Links

990
Filed on Sept. 13, 2022

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

View Filing
XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,504,918
Expenses
$2,107,827
Net Income
-$602,909
Net Assets
$7,036,406
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $402,557
26.7%
Investment Income $1,102,361
73.3%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,320,128
62.6%
Assets/Debt
Total Assets $49,763,359
Total Liabilities $42,726,953
Net Assets $7,036,406
Other
Reported a significant diversion of assets
Compensation
Key Employees and Officers Compensation Related Other
David T Keim (Ceo) $107,650 $0 $0
Terri Nieuwkoop (Coo) $65,539 $0 $0
Gail Anderson (Treasurer) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Joseph Couture (Director) $0 $0 $0
Michael Hardiman (Director) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
David Zawacki (Chairman) $0 $0 $0
+ View more people

Document Links

990
Filed on Sept. 13, 2022

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

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,619,777
Expenses
$1,670,693
Net Income
-$50,916
Net Assets
$6,894,995
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $370,179
22.9%
Investment Income $1,249,598
77.1%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $876,085
52.4%
Assets/Debt
Total Assets $45,348,254
Total Liabilities $38,453,259
Net Assets $6,894,995
Compensation
Key Employees and Officers Compensation Related Other
David T Keim (President/Ce) $114,921 $0 $0
Terri Nieuwkoop (Coo) $91,049 $0 $0
Gail Anderson (Treasurer) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Joseph Couture (Director) $0 $0 $0
Michael Hardiman (Director) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
David Zawacki (Chairman) $0 $0 $0
+ View more people

Document Links

990
Filed on Oct. 12, 2021

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

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,877,971
Expenses
$1,768,465
Net Income
$109,506
Net Assets
$6,894,871
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $452,282
24.1%
Investment Income $1,425,689
75.9%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $923,505
52.2%
Assets/Debt
Total Assets $39,081,227
Total Liabilities $32,186,356
Net Assets $6,894,871
Compensation
Key Employees and Officers Compensation Related Other
Gail Anderson (Treasurer) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Joseph Couture (Director) $0 $0 $0
Michael Hardiman (Director) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
David Zawacki (Chairman) $0 $0 $0
David T Keim (President/Ce) $0 $0 $0
Terri Nieuwkoop (Coo) $0 $0 $0
+ View more people

Document Links

990
Filed on Sept. 24, 2020

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

View Filing
XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,849,922
Expenses
$1,727,980
Net Income
$121,942
Net Assets
$6,485,573
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $455,376
24.6%
Investment Income $1,394,546
75.4%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $867,838
50.2%
Assets/Debt
Total Assets $39,057,694
Total Liabilities $32,572,121
Net Assets $6,485,573
Compensation
Key Employees and Officers Compensation Related Other
David T Keim (Ceo) $127,068 $0 $0
Terri Nieuwkoop (Coo) $91,420 $0 $0
David Zawacki (Chairman) $0 $0 $0
Joseph Couture (Director) $0 $0 $0
Michael Hardiman (Director) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Gail Anderson (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on July 24, 2019

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,728,913
Expenses
$1,623,172
Net Income
$105,741
Net Assets
$6,676,026
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $449,073
26.0%
Investment Income $1,279,840
74.0%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $823,874
50.8%
Assets/Debt
Total Assets $39,522,426
Total Liabilities $32,846,400
Net Assets $6,676,026
Compensation
Key Employees and Officers Compensation Related Other
David T Keim (Ceo) $129,080 $0 $0
Terri Nieuwkoop (Coo) $90,975 $0 $0
David Zawacki (Chairman) $0 $0 $0
Joseph Couture (Director) $0 $0 $0
Michael Hardiman (Director) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Gail Anderson (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on June 13, 2018

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

View Filing
XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,618,059
Expenses
$1,499,328
Net Income
$118,731
Net Assets
$6,777,466
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $425,137
26.3%
Investment Income $1,192,922
73.7%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $765,487
51.1%
Assets/Debt
Total Assets $39,088,682
Total Liabilities $32,311,216
Net Assets $6,777,466
Compensation
Key Employees and Officers Compensation Related Other
David T Keim (Ceo) $118,500 $0 $0
Terri Nieuwkoop (Coo) $92,521 $0 $0
David Zawacki (Chairman) $0 $0 $0
Joseph Couture (Director) $0 $0 $0
Michael Hardiman (Director) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Gail Anderson (Director) $0 $0 $0
Timothy O'donnell (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on May 15, 2017

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,628,233
Expenses
$1,499,794
Net Income
$128,439
Net Assets
$6,650,207
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $445,410
27.4%
Investment Income $1,182,823
72.6%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $759,065
50.6%
Assets/Debt
Total Assets $38,440,381
Total Liabilities $31,790,174
Net Assets $6,650,207
Compensation
Key Employees and Officers Compensation Related Other
David T Keim (Ceo) $118,500 $0 $0
Terri Nieuwkoop (Coo) $96,555 $0 $0
David Zawacki (Chairman) $0 $0 $0
Joseph Couture (Director) $0 $0 $0
Michael Hardiman (Director) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Gail Anderson (Director) $0 $0 $0
Timothy O'donnell (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 1, 2016

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

View Filing
PDF XML
PDF (2 of 2)

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,052,554
Expenses
$1,473,222
Net Income
$579,332
Net Assets
$7,050,185
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $948,670
46.2%
Investment Income $1,103,884
53.8%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $726,545
49.3%
Assets/Debt
Total Assets $35,273,247
Total Liabilities $28,223,062
Net Assets $7,050,185
Compensation
Key Employees and Officers Compensation Related Other
David T Keim (Ceo) $117,000 $0 $0
Terri Nieuwkoop (Coo) $90,069 $0 $0
David Zawacki (Chairman) $0 $0 $0
Cynthia Hough (Director) $0 $0 $0
Larry Zandstra (Treasurer) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Gail Anderson (Director) $0 $0 $0
Timothy O'donnell (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on April 1, 2016

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

View Filing
PDF XML
PDF (2 of 2)

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,769,649
Expenses
$1,624,540
Net Income
$145,109
Net Assets
$6,436,043
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $539,318
30.5%
Investment Income $1,230,331
69.5%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $834,076
51.3%
Assets/Debt
Total Assets $36,250,028
Total Liabilities $29,813,985
Net Assets $6,436,043
Compensation
Key Employees and Officers Compensation Related Other
David T Keim (Ceo) $113,700 $0 $0
Terri Nieuwkoop (Coo) $87,909 $0 $0
David Zawacki (Chairman) $0 $0 $0
Cynthia Hough (Director) $0 $0 $0
Larry Zandstra (Treasurer) $0 $0 $0
Steve Kenyon (Vice Chairma) $0 $0 $0
Laura Brown (Director) $0 $0 $0
Scott Collins (Director) $0 $0 $0
Edward Besemer (Secretary) $0 $0 $0
Gail Anderson (Director) $0 $0 $0
Timothy O'donnell (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on May 13, 2014

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,791,963
Expenses
$1,575,669
Net Income
$216,294
Net Assets
$6,729,155
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $412,192
23.0%
Investment Income $1,379,771
77.0%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $810,884
51.5%
Assets/Debt
Total Assets $37,018,507
Total Liabilities $30,289,352
Net Assets $6,729,155

Document Links

990

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

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,905,388
Expenses
$1,701,879
Net Income
$203,509
Net Assets
$5,881,011
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $406,162
21.3%
Investment Income $1,499,226
78.7%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $784,915
46.1%
Assets/Debt
Total Assets $36,032,772
Total Liabilities $30,151,761
Net Assets $5,881,011

Document Links

990

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

PDF

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

990

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

PDF

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

990

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

PDF

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

990

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

PDF

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

990

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

PDF

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

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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About Nonprofit Explorer

Nonprofit Explorer

Browse millions of annual returns filed by tax-exempt organizations with ProPublica’s Nonprofit Explorer. See details like executive compensation, revenue, expenses and more. Search for an organization or a person, or search the full text of filings.

By Andrea Suozzo, Alec Glassford, Ash Ngu and Brandon Roberts.

Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

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