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Credit Unions Chartered In The State Of Michigan

685 Gabriels Community C U

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Organization summary might be incomplete or out of date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.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$2.58M (2023)

Expenses
$8.68M (2023)

Total Assets
$0 (2023)

Total Liabilities
$0 (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
$2,577,153
Expenses
$8,684,909
Net Income
-$6,107,756
Net Assets
$0
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,440,221
94.7%
Investment Income $136,932
5.3%
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 $82,238
0.9%
Professional Fundraising Fees $0
Other Salaries and Wages $694,365
8.0%
Assets/Debt
Total Assets $0
Total Liabilities $0
Net Assets $0
Compensation
Key Employees and Officers Compensation Related Other
Malissa Richardson (Ceo Part Year) $82,238 $0 $0
Ken Murdoch (Chairperson) $0 $0 $0
Loren Deyoung (Vice Chair) $0 $0 $0
Sharon Byers (Secretary Treas) $0 $0 $0
Charles Dion (Director) $0 $0 $0
Katie St Marie (Director) $0 $0 $0
Amy Coe (Ceo) $0 $0 $0
Heather Luciani (Interm Ceo Part Year) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,722,307
Expenses
$1,866,259
Net Income
$856,048
Net Assets
$3,762,215
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,647,104
97.2%
Investment Income $75,203
2.8%
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 $176,279
9.4%
Professional Fundraising Fees $0
Other Salaries and Wages $525,820
28.2%
Assets/Debt
Total Assets $35,016,585
Total Liabilities $31,254,370
Net Assets $3,762,215
Compensation
Key Employees and Officers Compensation Related Other
Malissa Richardson (Ceo) $140,500 $0 $35,779
Charles Dion (Director) $0 $0 $0
Ken Murdoch (Chairperson) $0 $0 $0
Katie St Marie (Director) $0 $0 $0
Loren De Young (Vice Chair) $0 $0 $0
Sharon Byers (Secretary Treas) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,839,418
Expenses
$1,383,185
Net Income
$456,233
Net Assets
$2,906,167
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,771,623
96.3%
Investment Income $67,795
3.7%
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 $140,138
10.1%
Professional Fundraising Fees $0
Other Salaries and Wages $383,480
27.7%
Assets/Debt
Total Assets $29,359,126
Total Liabilities $26,452,959
Net Assets $2,906,167
Compensation
Key Employees and Officers Compensation Related Other
Malissa Richardson (Ceo) $110,029 $0 $30,109
Charles Dion (Director) $0 $0 $0
Ken Murdoch (Chairperson) $0 $0 $0
Robert Swanson (Vice Chair) $0 $0 $0
Loren De Young (Secretary Treas) $0 $0 $0
Sharon Byers (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,409,505
Expenses
$1,229,504
Net Income
$180,001
Net Assets
$2,449,934
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,334,705
94.7%
Investment Income $74,800
5.3%
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 $121,859
9.9%
Professional Fundraising Fees $0
Other Salaries and Wages $330,840
26.9%
Assets/Debt
Total Assets $21,140,860
Total Liabilities $18,690,926
Net Assets $2,449,934
Compensation
Key Employees and Officers Compensation Related Other
Malissa Richardson (Ceo) $92,000 $0 $29,859
Charles Dion (Chairperson) $0 $0 $0
Ken Murdoch (Chairperson) $0 $0 $0
Robert Swanson (Vice Chair) $0 $0 $0
Loren De Young (Secretary) $0 $0 $0
Sharon Byers (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,446,276
Expenses
$1,213,918
Net Income
$232,358
Net Assets
$2,269,933
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,334,788
92.3%
Investment Income $111,488
7.7%
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 $226,668
18.7%
Professional Fundraising Fees $0
Other Salaries and Wages $258,943
21.3%
Assets/Debt
Total Assets $19,648,568
Total Liabilities $17,378,635
Net Assets $2,269,933
Compensation
Key Employees and Officers Compensation Related Other
Dan Dowsett (General Manager) $96,361 $0 $23,611
Malissa Richardson (Ceo) $81,525 $0 $27,171
Richard Barry (Chairperson) $0 $0 $0
Ken Murdoch (Vice Chairperson) $0 $0 $0
Robert Swanson (Secretary/Treas) $0 $0 $0
Loren De Young (Board Member) $0 $0 $0
Robert Maurer (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,298,020
Expenses
$1,078,901
Net Income
$219,119
Net Assets
$2,037,575
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,213,232
93.5%
Investment Income $63,903
4.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $20,885
1.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $222,560
20.6%
Professional Fundraising Fees $0
Other Salaries and Wages $236,613
21.9%
Assets/Debt
Total Assets $17,170,589
Total Liabilities $15,133,014
Net Assets $2,037,575
Compensation
Key Employees and Officers Compensation Related Other
Dan Dowsett (General Manager) $96,167 $0 $36,172
Malissa Richardson (Ceo) $77,658 $0 $12,563
Richard Barry (President) $0 $0 $0
Ken Murdoch (Vice President) $0 $0 $0
Robert Swanson (Secretary/Treas) $0 $0 $0
Loren De Young (Director) $0 $0 $0
John Maurer (Secretary/Treas) $0 $0 $0
Robert Maurer (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,146,290
Expenses
$987,484
Net Income
$158,806
Net Assets
$1,818,456
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,074,098
93.7%
Investment Income $37,992
3.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $34,200
3.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $126,937
12.9%
Professional Fundraising Fees $0
Other Salaries and Wages $288,794
29.2%
Assets/Debt
Total Assets $15,558,106
Total Liabilities $13,739,650
Net Assets $1,818,456
Compensation
Key Employees and Officers Compensation Related Other
Dan Dowsett (General Manager) $91,250 $0 $35,687
Richard Barry (President) $0 $0 $0
Ken Murdoch (Vice President) $0 $0 $0
Robert Swanson (Secretary/Treas) $0 $0 $0
Loren De Young (Director) $0 $0 $0
John Maurer (Secretary/Treas) $0 $0 $0
Robert Maurer (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$933,136
Expenses
$836,715
Net Income
$96,421
Net Assets
$1,659,650
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $878,831
94.2%
Investment Income $27,145
2.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $27,160
2.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $120,177
14.4%
Professional Fundraising Fees $0
Other Salaries and Wages $241,714
28.9%
Assets/Debt
Total Assets $13,811,461
Total Liabilities $12,151,811
Net Assets $1,659,650
Compensation
Key Employees and Officers Compensation Related Other
Dan Dowsett (General Manager) $85,348 $0 $34,829
Richard Barry (President) $0 $0 $0
Ken Murdoch (Vice President) $0 $0 $0
Robert Swanson (Director) $0 $0 $0
Loren De Young (Director) $0 $0 $0
John Maurer (Secretary/Treas) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$880,501
Expenses
$784,718
Net Income
$95,783
Net Assets
$1,563,229
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $850,586
96.6%
Investment Income $29,915
3.4%
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 $81,180
10.3%
Professional Fundraising Fees $0
Other Salaries and Wages $224,740
28.6%
Assets/Debt
Total Assets $14,485,435
Total Liabilities $12,922,206
Net Assets $1,563,229
Compensation
Key Employees and Officers Compensation Related Other
Dan Dowsett (General Manager) $81,180 $0 $0
Richard Barry (President) $0 $0 $0
Ken Murdoch (Vice President) $0 $0 $0
Robert Swanson (Director) $0 $0 $0
Loren De Young (Director) $0 $0 $0
John Maurer (Secretary/Treas) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$874,243
Expenses
$790,097
Net Income
$84,146
Net Assets
$1,467,446
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $838,148
95.9%
Investment Income $19,959
2.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $16,136
1.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $79,210
10.0%
Professional Fundraising Fees $0
Other Salaries and Wages $196,299
24.8%
Assets/Debt
Total Assets $15,645,973
Total Liabilities $14,178,527
Net Assets $1,467,446
Compensation
Key Employees and Officers Compensation Related Other
Dan Dowsett (General Manager) $79,210 $0 $0
Richard Barry (President) $0 $0 $0
Ken Murdoch (Vice President) $0 $0 $0
Robert Swanson (Director) $0 $0 $0
Loren De Young (Director) $0 $0 $0
John Maurer (Secretary/Treas) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$824,833
Expenses
$694,099
Net Income
$130,734
Net Assets
$1,383,300
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $772,828
93.7%
Investment Income $31,727
3.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $1,170
0.1%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $19,108
2.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $69,240
10.0%
Professional Fundraising Fees $0
Other Salaries and Wages $175,063
25.2%
Assets/Debt
Total Assets $12,524,705
Total Liabilities $11,141,405
Net Assets $1,383,300
Compensation
Key Employees and Officers Compensation Related Other
Dan Dowsett (General Manager) $69,240 $0 $0
Richard Barry (President) $0 $0 $0
Ken Murdoch (Vice President) $0 $0 $0
Robert Swanson (Director) $0 $0 $0
Loren De Young (Director) $0 $0 $0
John Maurer (Secretary/Treas) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$717,093
Expenses
$587,158
Net Income
$129,935
Net Assets
$1,252,566
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $645,434
90.0%
Investment Income $52,421
7.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $3,910
0.5%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $15,328
2.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $66,150
11.3%
Professional Fundraising Fees $0
Other Salaries and Wages $143,184
24.4%
Assets/Debt
Total Assets $11,997,325
Total Liabilities $10,744,759
Net Assets $1,252,566

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$532,396
Expenses
$514,612
Net Income
$17,784
Net Assets
$1,122,631
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $445,983
83.8%
Investment Income $77,168
14.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $4,035
0.8%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $5,210
1.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $74,442
14.5%
Professional Fundraising Fees $0
Other Salaries and Wages $122,922
23.9%
Assets/Debt
Total Assets $12,699,766
Total Liabilities $11,577,135
Net Assets $1,122,631

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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