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Credit Unions Chartered In The State Of Michigan

1201 Kellogg Community 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
$47.1M (2023)

Expenses
$34.5M (2023)

Total Assets
$857M (2023)

Total Liabilities
$731M (2023)

Source: Form 990 tax filings from 2016 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
$47,149,535
Expenses
$34,482,401
Net Income
$12,667,134
Net Assets
$126,177,109
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $41,663,660
88.4%
Investment Income $5,070,796
10.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $240,756
0.5%
Net Inventory Sales $0
Other Revenue $174,323
0.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,315,467
3.8%
Professional Fundraising Fees $0
Other Salaries and Wages $7,939,808
23.0%
Assets/Debt
Total Assets $857,416,206
Total Liabilities $731,239,097
Net Assets $126,177,109
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Tracy Miller (Ceo) $444,918 $0 $51,960
Lindsey R Law (Clo) $224,305 $0 $21,700
Anthony Jerry Wright (Cfo) $203,973 $0 $30,956
Amber Mallernee (Cco) $191,357 $0 $34,132
Jerald Pawlowicz (Financial Advisor) $176,388 $0 $28,796
Rick Albaugh (Vp Of It) $123,925 $0 $21,306
Kelsey Mcallaster (Vp Of Retail) $119,742 $0 $16,145
Jessica Bissenden (Vp Of Hr) $117,357 $0 $8,853
Kirk Schwarz (Senior Business Developmen) $108,093 $0 $29,481
Kate Pratley (Chief Risk Officer) $95,423 $0 $16,743
Marie Smith (Vice Chairpeson) $0 $0 $0
Henry Pat Rolfe (Chairperson) $0 $0 $0
Melissa Miller (Secretary) $0 $0 $0
Roger E Pitzer (Treasurer) $0 $0 $0
Chirstopher Demarest (Director) $0 $0 $0
Carol Casey (Director/Supervisory Commi) $0 $0 $0
E Paul Chambers (Director) $0 $0 $0
Michael Bouma (Director) $0 $0 $0
Richard Smith (Emeritus Director) $0 $0 $0
Larry Hawblitz (Emeritus Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$40,430,087
Expenses
$27,503,013
Net Income
$12,927,074
Net Assets
$114,492,070
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $36,412,718
90.1%
Investment Income $3,457,930
8.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $320,607
0.8%
Net Inventory Sales $0
Other Revenue $238,832
0.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $961,242
3.5%
Professional Fundraising Fees $0
Other Salaries and Wages $8,213,908
29.9%
Assets/Debt
Total Assets $830,760,566
Total Liabilities $716,268,496
Net Assets $114,492,070
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Tracy Miller (Ceo) $371,334 $0 $46,479
Lindsey R Law (Clo) $170,477 $0 $14,461
Anthony Wright (Cfo) $156,796 $0 $27,896
Amber Mallernee (Cco) $142,566 $0 $31,233
Jerald Pawlowicz (Financial Advisor) $124,295 $0 $25,416
Kirk Schwarz (Senior Business Development Officer) $124,109 $0 $29,113
Katie L Fullmer (Mortgage Loan Originator) $107,861 $0 $14,641
Rick Albaugh (Vp Of It) $106,662 $0 $20,836
Rori Ross (Vp Of Marketing) $106,565 $0 $8,479
Henry Pat Rolfe (Chairperson) $0 $0 $0
Roger E Pitzer (Treasurer) $0 $0 $0
Carol Casey (Director/Supervisory Committee Chai) $0 $0 $0
Michael Bouma (Director) $0 $0 $0
Melissa Miller (Secretary) $0 $0 $0
E Paul Chambers (Director) $0 $0 $0
Marie Smith (Vice Chairpeson) $0 $0 $0
Cj Demarest (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$36,696,292
Expenses
$26,124,231
Net Income
$10,572,061
Net Assets
$111,170,083
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $34,016,934
92.7%
Investment Income $2,503,424
6.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $24,380
0.1%
Net Inventory Sales $0
Other Revenue $151,554
0.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $769,650
2.9%
Professional Fundraising Fees $0
Other Salaries and Wages $7,256,591
27.8%
Assets/Debt
Total Assets $818,090,752
Total Liabilities $706,920,669
Net Assets $111,170,083
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Tracy Miller (Ceo) $347,509 $0 $42,573
Jerald Pawlowicz (Financial Advisor) $175,234 $0 $32,966
Lindsey R Law (Clo) $160,503 $0 $27,366
Amanda Smith (Mortgage Loan Originator) $158,295 $0 $30,471
Katie L Fullmer (Mortgage Loan Originator) $151,925 $0 $16,299
Michael Ogrin (Cfo) $145,549 $0 $23,928
Michael Lauraine (Sr Business Development Officer) $118,821 $0 $29,104
Trina Gray (Mortgage Loan Originator) $117,988 $0 $16,789
Anthony Wright (Cfo) $18,809 $0 $3,413
Henry Pat Rolfe (Chairperson) $0 $0 $0
Richard A Smith (V. Chairperson) $0 $0 $0
Larry V Hawblitz (Secretary) $0 $0 $0
Roger E Pitzer (Treasurer) $0 $0 $0
Melissa Miller (Director/Supervisory Commi) $0 $0 $0
E Paul Chambers (Director) $0 $0 $0
Michael Bouma (Director) $0 $0 $0
Carol Casey (Supervisory Committee Chai) $0 $0 $0
Steve J Shepard (Director) $0 $0 $0
Marie Smith (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$34,477,684
Expenses
$26,677,512
Net Income
$7,800,172
Net Assets
$103,115,127
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $30,443,301
88.3%
Investment Income $3,889,035
11.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $145,348
0.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $590,208
2.2%
Professional Fundraising Fees $0
Other Salaries and Wages $6,872,957
25.8%
Assets/Debt
Total Assets $739,548,289
Total Liabilities $636,433,162
Net Assets $103,115,127
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Tracy Miller (Ceo) $344,413 $0 $35,975
Michael Ogrin (Cfo) $180,898 $0 $28,922
Katie L Fullmer (Mortgage Originator) $173,308 $0 $11,781
Amanda Smith (Mortgage Originator) $153,772 $0 $22,531
Lindsey R Law (Clo) $149,419 $0 $20,696
Kirk Schwarz (Sr. Business Lending) $117,671 $0 $24,770
Jerald Pawlowicz (Financial Advisor) $116,390 $0 $22,336
Henry Pat Rolfe (Chairperson) $0 $0 $0
Richard A Smith (V. Chairperson) $0 $0 $0
Larry V Hawblitz (Secretary) $0 $0 $0
Roger E Pitzer (Treasurer) $0 $0 $0
Melissa Miller (Director/Supervisory Committee) $0 $0 $0
E Paul Chambers (Director) $0 $0 $0
Michael Bouma (Director/Supervisory Committee) $0 $0 $0
Carol Casey (Supervisory Committee Chair) $0 $0 $0
Steve J Shepard (Director) $0 $0 $0
Jack Hagist (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$32,588,512
Expenses
$24,954,560
Net Income
$7,633,952
Net Assets
$93,440,302
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $27,722,815
85.1%
Investment Income $4,693,892
14.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $15,283
0.0%
Net Inventory Sales $0
Other Revenue $156,522
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $566,665
2.3%
Professional Fundraising Fees $0
Other Salaries and Wages $6,086,672
24.4%
Assets/Debt
Total Assets $637,107,774
Total Liabilities $543,667,472
Net Assets $93,440,302
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Tracy Miller (Ceo) $310,456 $0 $45,958
Michael Ogrin (Cfo) $172,246 $0 $38,005
Maria E Haight (Coo) $140,358 $0 $25,651
Kirk Schwarz (Sr. Business Lending) $136,746 $0 $35,473
Lindsey R Law (Clo) $121,403 $0 $27,760
Jerald Pawlowicz (Financial Advisor) $108,845 $0 $33,224
Amanda Smith (Mortgage Originator) $103,472 $0 $28,286
Henry P Rolfe (Chairman) $0 $0 $0
Richard A Smith (V. Chairman) $0 $0 $0
Larry V Hawblitz (Secretary) $0 $0 $0
Roger E Pitzer (Treasurer) $0 $0 $0
Melissa Miller (Director) $0 $0 $0
E Paul Chambers (Director) $0 $0 $0
James E Demarest (Director) $0 $0 $0
Jack Hagist (Director) $0 $0 $0
Steve J Shepard (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$28,629,978
Expenses
$20,557,731
Net Income
$8,072,247
Net Assets
$84,132,417
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $25,074,022
87.6%
Investment Income $3,486,075
12.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $49,911
0.2%
Net Inventory Sales $0
Other Revenue $19,970
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $537,412
2.6%
Professional Fundraising Fees $0
Other Salaries and Wages $5,482,297
26.7%
Assets/Debt
Total Assets $531,258,154
Total Liabilities $447,125,737
Net Assets $84,132,417
Compensation
Key Employees and Officers Compensation Related Other
Tracy Miller (Ceo) $308,746 $0 $36,946
Michael Ogrin (Cfo) $177,331 $0 $14,389
Maria Keller (Coo) $159,731 $0 $21,891
Kirk Schwarz (Sr. Business Services Mgr) $138,506 $0 $8,711
Lindsey R Law (Vp Of Lending) $116,211 $0 $16,728
Jerald Pawlowicz (Financial Advisor) $105,203 $0 $6,940
Henry P Rolfe (Chairman) $0 $0 $0
Richard A Smith (V. Chairman) $0 $0 $0
Larry V Hawblitz (Secretary) $0 $0 $0
Roger E Pitzer (Treasurer) $0 $0 $0
Melissa Miller (Director) $0 $0 $0
E Paul Chambers (Director) $0 $0 $0
James E Demarest (Director) $0 $0 $0
Danville Prather (Director) $0 $0 $0
Steve J Shepard (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$25,215,616
Expenses
$17,883,788
Net Income
$7,331,828
Net Assets
$76,633,829
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $22,083,868
87.6%
Investment Income $3,091,471
12.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $40,277
0.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $494,300
2.8%
Professional Fundraising Fees $0
Other Salaries and Wages $4,879,954
27.3%
Assets/Debt
Total Assets $508,160,799
Total Liabilities $431,526,970
Net Assets $76,633,829
Compensation
Key Employees and Officers Compensation Related Other
Tracy Miller (Ceo) $281,672 $0 $35,041
Michael Ogrin (Cfo) $168,767 $0 $8,820
Kirk Schwarz (Sr. Business Services Mgr) $108,417 $0 $25,012
Maria Keller (Coo) $105,186 $0 $27,810
Jerald Pawlowicz (Financial Advisor) $104,247 $0 $5,301
Henry P Rolfe (Chairman) $0 $0 $0
Richard A Smith (V. Chairman) $0 $0 $0
Larry V Hawblitz (Secretary) $0 $0 $0
Roger E Pitzer (Treasurer) $0 $0 $0
Melissa Miller (Director) $0 $0 $0
E Paul Chambers (Director) $0 $0 $0
James E Demarest (Director) $0 $0 $0
Danville Prather (Director) $0 $0 $0
Steve J Shepard (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,494,752
Expenses
$9,883,805
Net Income
$3,610,947
Net Assets
$69,577,280
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,929,100
88.4%
Investment Income $1,565,652
11.6%
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 $231,723
2.3%
Professional Fundraising Fees $0
Other Salaries and Wages $2,663,469
26.9%
Assets/Debt
Total Assets $488,004,374
Total Liabilities $418,427,094
Net Assets $69,577,280
Compensation
Key Employees and Officers Compensation Related Other
Tracy Miller (Ceo) $130,220 $0 $21,563
Michael Ogrin (Cfo) $72,061 $0 $7,879
Henry P Rolfe (Chairman) $0 $0 $0
Richard A Smith (V. Chairman) $0 $0 $0
Larry V Hawblitz (Secretary) $0 $0 $0
Roger E Pitzer (Treasurer) $0 $0 $0
Melissa Miller (Director) $0 $0 $0
E Paul Chambers (Director) $0 $0 $0
James E Demarest (Director) $0 $0 $0
Danville Prather (Director) $0 $0 $0
Steve J Shepard (Director) $0 $0 $0

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.

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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 »

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