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Credit Unions Chartered In The State Of Michigan

837 Our 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
$19M (2023)

Expenses
$17.4M (2023)

Total Assets
$364M (2023)

Total Liabilities
$347M (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
$18,978,004
Expenses
$17,405,556
Net Income
$1,572,448
Net Assets
$16,932,084
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,841,022
83.5%
Investment Income $3,136,982
16.5%
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 $540,000
3.1%
Professional Fundraising Fees $0
Other Salaries and Wages $4,314,335
24.8%
Assets/Debt
Total Assets $364,423,514
Total Liabilities $347,491,430
Net Assets $16,932,084
Compensation
Key Employees and Officers Compensation Related Other
Darren Cameron (President Ceo) $250,000 $0 $20,000
Tom Baran (Chief Lending Officer) $145,000 $0 $15,000
Dan Maiorano (Chief Financial Officer) $145,000 $0 $15,000
Brian Cook (Board Chairman) $0 $0 $0
Tom Cardelli (Board Vice Chairman) $0 $0 $0
Joel Deshane (Board Director) $0 $0 $0
Susan Anderson (Board Director) $0 $0 $0
James Dresbach (Board Director) $0 $0 $0
Joe Kripili (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$17,406,777
Expenses
$15,393,378
Net Income
$2,013,399
Net Assets
$15,467,593
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,211,209
87.4%
Investment Income $2,195,568
12.6%
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 $710,000
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $3,941,821
25.6%
Assets/Debt
Total Assets $386,093,946
Total Liabilities $370,626,353
Net Assets $15,467,593
Compensation
Key Employees and Officers Compensation Related Other
Darren Cameron (President Ceo) $225,000 $0 $20,000
Tom Baran (Chief Lending Officer) $140,000 $0 $15,000
Stacy Wilson (Chief Operations Officer) $140,000 $0 $15,000
Dan Maiorano (Chief Financial Officer) $140,000 $0 $15,000
Brian Cook (Board Chairman) $0 $0 $0
Tom Cardelli (Board Vice Chairman) $0 $0 $0
Joel Deshane (Board Director) $0 $0 $0
Susan Anderson (Board Director) $0 $0 $0
James Dresbach (Board Director) $0 $0 $0
Joe Kripili (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,786,724
Expenses
$13,473,542
Net Income
$1,313,182
Net Assets
$27,524,121
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,680,876
92.5%
Investment Income $1,105,848
7.5%
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 $655,000
4.9%
Professional Fundraising Fees $0
Other Salaries and Wages $3,678,667
27.3%
Assets/Debt
Total Assets $380,292,543
Total Liabilities $352,768,422
Net Assets $27,524,121
Compensation
Key Employees and Officers Compensation Related Other
Tina Dix (President Ceo) $210,000 $0 $20,000
Tom Baran (Chief Lending Officer) $130,000 $0 $15,000
Stacy Wilson (Chief Operations Officer) $130,000 $0 $15,000
Dan Maiorano (Chief Financial Officer) $130,000 $0 $15,000
Brian Cook (Board Chairman) $0 $0 $0
Tom Cardelli (Board Vice Chairman) $0 $0 $0
Joel Deshane (Board Director) $0 $0 $0
Susan Anderson (Board Director) $0 $0 $0
James Dresbach (Board Director) $0 $0 $0
Joe Kripili (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,696,734
Expenses
$12,248,320
Net Income
$1,448,414
Net Assets
$28,136,328
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,497,209
91.2%
Investment Income $1,199,525
8.8%
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 $615,000
5.0%
Professional Fundraising Fees $0
Other Salaries and Wages $3,326,069
27.2%
Assets/Debt
Total Assets $316,214,192
Total Liabilities $288,077,864
Net Assets $28,136,328
Compensation
Key Employees and Officers Compensation Related Other
Tina Dix (President/Ceo) $200,000 $0 $20,000
Tom Baran (Chief Lending Officer) $120,000 $0 $15,000
Stacy Wilson (Chief Operations Officer) $120,000 $0 $15,000
Dan Maiorano (Chief Financial Officer) $120,000 $0 $15,000
Brian Cook (Board Chairman) $0 $0 $0
Tom Cardelli (Board Vice Chairman) $0 $0 $0
Joel Deshane (Board Director) $0 $0 $0
Susan Anderson (Board Director) $0 $0 $0
James Dresbach (Board Director) $0 $0 $0
Joe Kripili (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,945,791
Expenses
$11,768,196
Net Income
$2,177,595
Net Assets
$26,004,273
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,122,225
86.9%
Investment Income $1,823,566
13.1%
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 $615,000
5.2%
Professional Fundraising Fees $0
Other Salaries and Wages $3,028,031
25.7%
Assets/Debt
Total Assets $269,276,657
Total Liabilities $243,272,384
Net Assets $26,004,273
Compensation
Key Employees and Officers Compensation Related Other
Tina Dix (President/Ceo) $200,000 $0 $20,000
Stacy Wilson (Chief Operations Officer) $120,000 $0 $15,000
Tom Baran (Chief Lending Officer) $115,000 $0 $15,000
Dan Maiorano (Chief Financial Officer) $115,000 $0 $15,000
Karen Massucci (Board Chairman) $0 $0 $0
Brian Cook (Board Vice Chairman) $0 $0 $0
Tom Cardelli (Board Treasurer) $0 $0 $0
Joel Deshane (Board Director) $0 $0 $0
Susan Anderson (Board Director) $0 $0 $0
James Dresbach (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,086,080
Expenses
$11,734,055
Net Income
$1,352,025
Net Assets
$21,225,531
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,081,882
84.7%
Investment Income $2,004,198
15.3%
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 $565,000
4.8%
Professional Fundraising Fees $0
Other Salaries and Wages $3,007,037
25.6%
Assets/Debt
Total Assets $254,704,891
Total Liabilities $233,479,360
Net Assets $21,225,531
Compensation
Key Employees and Officers Compensation Related Other
Tina Dix (President/Ceo) $170,000 $0 $20,000
Stacy Wilson (Chief Operations Officer) $115,000 $0 $15,000
Tom Baran (Chief Lending Officer) $110,000 $0 $15,000
Dan Maiorano (Chief Financial Officer) $105,000 $0 $15,000
Karen Massucci (Board Chairman) $0 $0 $0
Brian Cook (Board Vice Chairman) $0 $0 $0
Tom Cardelli (Board Treasurer) $0 $0 $0
Joel Deshane (Board Director) $0 $0 $0
Susan Anderson (Board Director) $0 $0 $0
James Dresbach (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,841,511
Expenses
$10,492,098
Net Income
$1,349,413
Net Assets
$20,986,753
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,107,788
85.4%
Investment Income $1,732,788
14.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $935
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $2,847,708
27.1%
Assets/Debt
Total Assets $247,714,138
Total Liabilities $226,727,385
Net Assets $20,986,753
Compensation
Key Employees and Officers Compensation Related Other
Christine Dix (President/Ceo) $160,000 $0 $16,000
Stacy Wilson (Chief Operations Officer) $110,000 $0 $11,000
Thomas Baran (Chief Lending Officer) $105,000 $0 $13,000
Daniel Maiorano (Cfo) $100,000 $0 $12,000
Karen Massucci (Vice Chairman) $0 $0 $0
Tom Cardelli (Director) $0 $0 $0
Joel Deshane (Director) $0 $0 $0
James Dresbach (Board Chairman) $0 $0 $0
Kathleen Dayo (Board Secretary) $0 $0 $0
Susan Anderson (Director) $0 $0 $0
Brian Cook (Treasurer) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,291,647
Expenses
$9,419,585
Net Income
$872,062
Net Assets
$19,265,980
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,465,839
82.3%
Investment Income $1,711,269
16.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $114,539
1.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $507,160
5.4%
Professional Fundraising Fees $0
Other Salaries and Wages $2,663,425
28.3%
Assets/Debt
Total Assets $238,346,946
Total Liabilities $219,080,966
Net Assets $19,265,980
Compensation
Key Employees and Officers Compensation Related Other
Christine Dix (President/Ceo) $150,660 $0 $15,935
Stacy Wilson (Chief Operations Officer) $105,501 $0 $10,861
Thomas Baran (Chief Lending Officer) $101,555 $0 $12,579
Daniel Maiorano (Cfo) $98,098 $0 $11,971
Karen Massucci (Vice Chairman) $0 $0 $0
Tom Cardelli (Director) $0 $0 $0
Joel Deshane (Director) $0 $0 $0
James Dresbach (Board Chairman) $0 $0 $0
Kathleen Dayo (Board Secretary) $0 $0 $0
Susan Anderson (Director) $0 $0 $0
Brian Cook (Treasurer) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,866,875
Expenses
$8,713,201
Net Income
$1,153,674
Net Assets
$19,454,877
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,590,969
76.9%
Investment Income $1,755,625
17.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $520,281
5.3%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $487,653
5.6%
Professional Fundraising Fees $0
Other Salaries and Wages $2,414,182
27.7%
Assets/Debt
Total Assets $227,553,446
Total Liabilities $208,098,569
Net Assets $19,454,877
Compensation
Key Employees and Officers Compensation Related Other
Christine Dix (President/Ceo) $144,865 $0 $15,322
Stacy Wilson (Chief Operations Officer) $101,443 $0 $10,443
Thomas Baran (Chief Lending Officer) $97,649 $0 $12,095
Daniel Maiorano (Cfo) $94,325 $0 $11,511
Karen Massucci (Treasurer) $0 $0 $0
Jeremy Water (Director) $0 $0 $0
Joel Deshane (Board Chairman) $0 $0 $0
James Dresbach (Board Vice Chairman) $0 $0 $0
Kathleen Dayo (Board Secretary) $0 $0 $0
Joseph Kripili (Director) $0 $0 $0
Brian Cook (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,219,928
Expenses
$7,690,081
Net Income
$1,529,847
Net Assets
$19,528,933
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,241,738
78.5%
Investment Income $1,801,769
19.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $176,421
1.9%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $447,882
5.8%
Professional Fundraising Fees $0
Other Salaries and Wages $2,466,748
32.1%
Assets/Debt
Total Assets $216,475,165
Total Liabilities $196,946,232
Net Assets $19,528,933
Compensation
Key Employees and Officers Compensation Related Other
Christine Dix (President/Ceo) $162,872 $0 $651
Stacy Wilson (Chief Operations Officer) $94,978 $0 $429
Thomas Baran (Chief Lending Officer) $90,609 $0 $11,594
Daniel Maiorano (Cfo) $82,327 $0 $4,420
Karen Massucci (Treasurer) $0 $0 $0
Jeremy Water (Director) $0 $0 $0
Joel Deshane (Board Chairman) $0 $0 $0
James Dresbach (Board Vice Chairman) $0 $0 $0
Kathleen Dayo (Board Secretary) $0 $0 $0
Joseph Kripili (Director) $0 $0 $0
Brian Cook (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,341,396
Expenses
$7,678,911
Net Income
$1,662,485
Net Assets
$17,660,115
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,562,962
81.0%
Investment Income $1,271,263
13.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $507,171
5.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $343,101
4.5%
Professional Fundraising Fees $0
Other Salaries and Wages $2,222,861
28.9%
Assets/Debt
Total Assets $208,133,560
Total Liabilities $190,473,445
Net Assets $17,660,115
Compensation
Key Employees and Officers Compensation Related Other
Christine Dix (President/Ceo) $160,508 $0 $651
Stacy Wilson (Chief Operations Officer) $87,223 $0 $465
Thomas Baran (Chief Risk Officer) $79,845 $0 $11,386
Deborah Thompson (Former President/Ceo) $50,008 $0 $1,401
Daniel Maiorano (Chief Financial Officer) $3,023 $0 $0
Karen Massucci (Director) $0 $0 $0
Jeremy Water (Director) $0 $0 $0
Joel Deshane (Board Vice Chairman) $0 $0 $0
James Dresbach (Board Secretary) $0 $0 $0
Kathleen Deyo (Board Treasurer) $0 $0 $0
Joseph Kripli (Board Chairman) $0 $0 $0
Brian Cook (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,188,524
Expenses
$8,493,207
Net Income
$695,317
Net Assets
$17,716,705
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,774,707
84.6%
Investment Income $1,406,534
15.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $7,283
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $556,319
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $2,151,631
25.3%
Assets/Debt
Total Assets $207,484,441
Total Liabilities $189,767,736
Net Assets $17,716,705

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,188,425
Expenses
$10,106,126
Net Income
$1,082,299
Net Assets
$16,178,591
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,394,106
75.0%
Investment Income $2,290,915
20.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $503,404
4.5%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $663,389
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $2,273,500
22.5%
Assets/Debt
Total Assets $204,078,102
Total Liabilities $187,899,511
Net Assets $16,178,591

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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