CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN Charity Report

Public IRS 990 nonprofit record

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN

EIN 38-1489454 · Mutual & Membership Benefit (Y)

What they do

THE MISSION of MEMBERS FIRST CREDIT UNION is ENCOURAGING A BETTER TOMORROW. WE DELIVER ON THIS MISSION BY BEING TRUSTWORTHY, CARING, and ENTHUSIASTIC. WE EMPOWER OUR PEOPLE IN THEIR JOURNEY of WELLBEING. WE BELIEVE IN PURPOSE, BELONGING, and JOY; WHEN OUR PEOPLE FIND THIS IN THEIR WORK and THE PEOPLE THEY WORK WITH, AMAZING THINGS HAPPEN.

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We do not have enough spending detail

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Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders19 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

$96.14spent for every $100 of revenueRevenue covered expenses this year.

$14.23in assets for every $1 spent this yearSome assets cannot be spent right away.

0.5%of its money came from giftsOther money may come from services or investments.

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Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $441,056 for CARRIE IAFRATE (CEO). Compare pay with organizations of similar size and complexity.

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Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

Money in and money out

Revenue$62,164,036

Expenses$59,767,012

Annual surplus $2,397,024 Revenue was higher than expenses for this filing year.

See all reported dollar amounts

Revenue$62,164,036

Expenses$59,767,012

Assets$850,578,095

Income$64,839,036

Contributions$315,000

Grants given$120,365

Average grant$10,942

Stocks and bonds$143,733,190

Accounting fees$255,753

People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

CARRIE IAFRATECEO · 40 hrs/week $441,056Base $390,152 · Other $50,904

TAMARA MCGOVERNCFO · 40 hrs/week $384,152Base $330,544 · Other $53,608

MARCIE LONGCPSO · 40 hrs/week $261,217Base $221,140 · Other $40,077

AMY GARVERCOO · 40 hrs/week $251,403Base $221,332 · Other $30,071

JOHN PEPMEIERVP FINANCE · 40 hrs/week $218,860Base $181,946 · Other $36,914

NICHOLAS GROULXVP CHANNEL DELIVERY · 40 hrs/week $206,697Base $171,870 · Other $34,827

KELLY KAMMERVP RISK MANAGEMENT · 40 hrs/week $205,090Base $160,266 · Other $44,824

BETHANY DUTCHERVP MARKETING · 40 hrs/week $197,134Base $158,849 · Other $38,285

REID LUNDEENVP LENDING · 40 hrs/week $179,279Base $137,510 · Other $41,769

EVERETT PETERSONVP TECHNOLOGY · 40 hrs/week $173,679Base $133,242 · Other $40,437

NOELLE ROBINSONVP CULTURE & EMPLOYEE DEVELOPMENT · 40 hrs/week $160,435Base $127,828 · Other $32,607

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (19)

CARRIE IAFRATECEO

TAMARA MCGOVERNCFO

MARCIE LONGCPSO

AMY GARVERCOO

JOHN PEPMEIERVP FINANCE

NICHOLAS GROULXVP CHANNEL DELIVERY

KELLY KAMMERVP RISK MANAGEMENT

BETHANY DUTCHERVP MARKETING

REID LUNDEENVP LENDING

EVERETT PETERSONVP TECHNOLOGY

NOELLE ROBINSONVP CULTURE & EMPLOYEE DEVELOPMENT

JENNI BUSHSECRETARY

JOSEPH KREUSCHDIRECTOR

GRANT MURSCHELDIRECTOR

KEVIN BROTTVICE CHAIRPERSON

ERIN STRANGDIRECTOR

RENEE DECKROWDIRECTOR

ROBERT COOPERCHAIRPERSON

DAVID THOMPSONTREASURER

About this charity

Recognized since: January 1956
Location: 600 W WACKERLY ST, MIDLAND, MI 48640-4702
County: Midland
In care of: % KRIS WALTERS
Primary officer: TAMARA MCGOVERN, CFO

How to reach them

WebsiteVisit the charity’s website Phone(989) 835-5100

Filing and classification

Latest tax year: 2024
Tax period began: January 1, 2024
Return type: 990
Tax preparer: DOEREN MAYHEW
NTEE classification: Mutual & Membership Benefit (Y)
IRS tax category: Mutual & Membership Benefit
Grant-giving organization: Yes