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Credit Unions Chartered In The State Of Michigan

488 Gratiot 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.

Summary charts: organization finances over time

Revenue
$3.28M (2023)

Expenses
$3.1M (2023)

Total Assets
$54.9M (2023)

Total Liabilities
$50.9M (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
$3,281,319
Expenses
$3,104,507
Net Income
$176,812
Net Assets
$4,028,412
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,101,822
94.5%
Investment Income $179,497
5.5%
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 $184,592
5.9%
Professional Fundraising Fees $0
Other Salaries and Wages $793,683
25.6%
Assets/Debt
Total Assets $54,922,512
Total Liabilities $50,894,100
Net Assets $4,028,412
Compensation
Key Employees and Officers Compensation Related Other
Katina Struble (Ceo) $89,525 $0 $9,837
Robert Bendele (Cfo) $77,907 $0 $7,323
Brenda Miller (Former Ceo) $27,169 $0 $8,490
Clark Hubbard (Director) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Diane S Malek (Director) $0 $0 $0
Sonia Gibson (Chairman) $0 $0 $0
Sharol Pominville (Treasurer) $0 $0 $0
Dale L Sherman (Director) $0 $0 $0
Alan L Schafer (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,625,558
Expenses
$2,417,273
Net Income
$208,285
Net Assets
$3,835,708
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,392,397
91.1%
Investment Income $248,866
9.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$15,705
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $262,110
10.8%
Professional Fundraising Fees $0
Other Salaries and Wages $603,570
25.0%
Assets/Debt
Total Assets $55,615,153
Total Liabilities $51,779,445
Net Assets $3,835,708
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (Ceo) $109,254 $0 $13,164
Katina Struble (Ceo Designate) $66,263 $0 $7,694
Robert Bendele (Operations Mgr) $59,759 $0 $5,973
Clark Hubbard (Vice Chair) $0 $0 $0
Dale Sherman (Director) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Sonia Martinez (Director) $0 $0 $0
Sharol Pominville (Director) $0 $0 $0
Diane Malek (Director) $0 $0 $0
Alan Schafer (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,101,369
Expenses
$1,994,934
Net Income
$106,435
Net Assets
$3,884,947
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,847,769
87.9%
Investment Income $253,600
12.1%
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 $174,967
8.8%
Professional Fundraising Fees $0
Other Salaries and Wages $583,242
29.2%
Assets/Debt
Total Assets $53,382,420
Total Liabilities $49,497,473
Net Assets $3,884,947
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (General Manager) $108,582 $0 $10,703
Robert Bendele (Operations Mgr) $54,104 $0 $1,578
David Merritt (Vice Chair) $0 $0 $0
Clark Hubbard (Vice Chair) $0 $0 $0
William Heinze (Treasurer) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Sonia Martinez (Director) $0 $0 $0
Sharol Pominville (Director) $0 $0 $0
Diane Malek (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,888,399
Expenses
$1,810,158
Net Income
$78,241
Net Assets
$3,895,989
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,589,764
84.2%
Investment Income $298,635
15.8%
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 $198,490
11.0%
Professional Fundraising Fees $0
Other Salaries and Wages $505,102
27.9%
Assets/Debt
Total Assets $46,854,402
Total Liabilities $42,958,413
Net Assets $3,895,989
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (General Manager) $106,012 $0 $34,466
Robert Bendele (Operations Mgr) $52,967 $0 $5,045
David Merritt (Vice Chair) $0 $0 $0
Clark Hubbard (Chairperson) $0 $0 $0
William Heinze (Treasurer) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Sonia Martinez (Director) $0 $0 $0
Sharol Pominville (Director) $0 $0 $0
Diane Malek (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,975,302
Expenses
$1,738,933
Net Income
$236,369
Net Assets
$3,729,536
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,598,664
80.9%
Investment Income $373,956
18.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $2,682
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $154,698
8.9%
Professional Fundraising Fees $0
Other Salaries and Wages $517,793
29.8%
Assets/Debt
Total Assets $37,235,480
Total Liabilities $33,505,944
Net Assets $3,729,536
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (General Manager) $104,260 $0 $5,603
Robert Bendele (Operations Mgr) $42,083 $0 $2,752
David Merritt (Vice Chair) $0 $0 $0
Clark Hubbard (Chairperson) $0 $0 $0
William Heinze (Treasurer) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Sonia Martinez (Director) $0 $0 $0
Bonnie Lehmkuhle (Director) $0 $0 $0
Sharol Pominville (Director) $0 $0 $0
Alice Schafer (Director) $0 $0 $0
Diane Malek (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,954,756
Expenses
$1,638,348
Net Income
$316,408
Net Assets
$3,278,449
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,613,873
82.6%
Investment Income $320,989
16.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $19,894
1.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $111,373
6.8%
Professional Fundraising Fees $0
Other Salaries and Wages $513,828
31.4%
Assets/Debt
Total Assets $34,990,074
Total Liabilities $31,711,625
Net Assets $3,278,449
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (General Manager) $93,876 $0 $17,497
David Merritt (Chairman) $0 $0 $0
Clark Hubbard (Vice Chairman) $0 $0 $0
William Heinze (Treasurer) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Sonia Martinez (Director) $0 $0 $0
Bill Crowell (Director) $0 $0 $0
Sharol Pominville (Director) $0 $0 $0
Alice Schafer (Director) $0 $0 $0
Diane Malek (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,797,826
Expenses
$1,538,128
Net Income
$259,698
Net Assets
$3,078,621
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,548,926
86.2%
Investment Income $231,175
12.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $17,725
1.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $114,484
7.4%
Professional Fundraising Fees $0
Other Salaries and Wages $435,705
28.3%
Assets/Debt
Total Assets $35,681,333
Total Liabilities $32,602,712
Net Assets $3,078,621
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (General Manager) $98,347 $0 $16,137
David Merritt (Chairman) $0 $0 $0
Clark Hubbard (Vice Chairman) $0 $0 $0
William Heinze (Treasurer) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Sonia Martinez (Director) $0 $0 $0
Bill Crowell (Director) $0 $0 $0
Sharol Pominville (Director) $0 $0 $0
Alice Schafer (Director) $0 $0 $0
Diane Malek (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,625,409
Expenses
$1,408,064
Net Income
$217,345
Net Assets
$2,856,522
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,457,462
89.7%
Investment Income $151,577
9.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $16,370
1.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $97,003
6.9%
Professional Fundraising Fees $0
Other Salaries and Wages $396,724
28.2%
Assets/Debt
Total Assets $32,469,941
Total Liabilities $29,613,419
Net Assets $2,856,522
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (General Manager) $90,639 $0 $6,364
Mike Morris (Chairman) $0 $0 $0
David Merritt (Vice Chairman) $0 $0 $0
William Heinze (Treasurer) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Patty Allen (Director) $0 $0 $0
Clark Hubbard (Director) $0 $0 $0
William Lafreniere (Director) $0 $0 $0
Alan Schafer (Director) $0 $0 $0
Diane Malek (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,490,459
Expenses
$1,304,188
Net Income
$186,271
Net Assets
$2,588,745
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,304,295
87.5%
Investment Income $170,198
11.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $15,966
1.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $93,525
7.2%
Professional Fundraising Fees $0
Other Salaries and Wages $372,575
28.6%
Assets/Debt
Total Assets $29,896,291
Total Liabilities $27,307,546
Net Assets $2,588,745
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (General Manager) $86,443 $0 $7,082
Mike Morris (Chairman) $0 $0 $0
David Merritt (Vice Chairman) $0 $0 $0
William Heinze (Treasurer) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Patty Allen (Director) $0 $0 $0
Clark Hubbard (Director) $0 $0 $0
William Lafreniere (Director) $0 $0 $0
Alan Schafer (Director) $0 $0 $0
Diane Malek (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,401,324
Expenses
$1,258,951
Net Income
$142,373
Net Assets
$2,457,018
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,218,320
86.9%
Investment Income $167,675
12.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $15,329
1.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $77,495
6.2%
Professional Fundraising Fees $0
Other Salaries and Wages $361,915
28.7%
Assets/Debt
Total Assets $28,643,612
Total Liabilities $26,186,594
Net Assets $2,457,018
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (General Manager) $77,495 $0 $0
Mike Morris (Chairman) $0 $0 $0
David Merritt (Vice Chairman) $0 $0 $0
William Heinze (Treasurer) $0 $0 $0
Glenn Rose (Secretary) $0 $0 $0
Patty Allen (Director) $0 $0 $0
Clark Hubbard (Director) $0 $0 $0
William Lafreniere (Director) $0 $0 $0
Alan Schafer (Director) $0 $0 $0
Diane Malek (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,288,051
Expenses
$1,252,623
Net Income
$35,428
Net Assets
$2,314,645
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,095,240
85.0%
Investment Income $175,221
13.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $17,590
1.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $76,121
6.1%
Professional Fundraising Fees $0
Other Salaries and Wages $353,892
28.3%
Assets/Debt
Total Assets $27,263,831
Total Liabilities $24,949,186
Net Assets $2,314,645
Compensation
Key Employees and Officers Compensation Related Other
Brenda L Miller (General Manager) $76,121 $0 $0
Mike Morris (Chairman) $0 $0 $0
Sam Sinicropi (Vice Chairman) $0 $0 $0
William Heinze (Treasurer) $0 $0 $0
David Merritt (Secretary) $0 $0 $0
Patty Allen (Director) $0 $0 $0
Clark Hubbard (Director) $0 $0 $0
William Lafreniere (Director) $0 $0 $0
Glenn Rose (Director) $0 $0 $0
Alan Schafer (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,266,823
Expenses
$1,204,429
Net Income
$62,394
Net Assets
$2,279,217
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,055,182
83.3%
Investment Income $196,883
15.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $14,758
1.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $77,297
6.4%
Professional Fundraising Fees $0
Other Salaries and Wages $333,034
27.7%
Assets/Debt
Total Assets $26,186,830
Total Liabilities $23,907,613
Net Assets $2,279,217

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,199,223
Expenses
$1,154,268
Net Income
$44,955
Net Assets
$2,216,823
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $983,249
82.0%
Investment Income $183,172
15.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $32,802
2.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $156,645
13.6%
Professional Fundraising Fees $0
Other Salaries and Wages $239,693
20.8%
Assets/Debt
Total Assets $24,680,423
Total Liabilities $22,463,600
Net Assets $2,216,823

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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