CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN NORTH CENTRAL AREA CREDIT UNION
EIN 38-1586641 · Mutual & Membership Benefit (Y)
What they do
to PROVIDE AFFORDABLE, HIGH QUALITY, COMPLETE FINANCIAL SERVICES to OUR MEMBERS and THEIR FAMILIES and to FOSTER CONTINUED GROWTH and STABILITY of THE CREDIT UNION.
Should I give to this charity?
Basic public information is available, but it is not enough to judge how well donations are used. Ask the charity for a current spending breakdown and results.
Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.
Basic facts we verified
IRS warning checkNo IRS revocation warning appears in this data.
Money report from 2025The charity has a recent tax report to read.
They explain their jobThe charity tells us what it is trying to do.
They name their leaders15 people are listed in the latest report.
You can reach themThey list contact information, so you can ask questions.
Money made simple
Ask these three easy questions
- Who did you help? Ask for a recent story or report that shows real results.
- What will my money do? Ask exactly what your gift will pay for.
- 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 $441,845 for MARK RICHTER (CEO). Compare pay with organizations of similar size and complexity.
Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.
Financial picture
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
See all reported dollar amounts
Leadership and board
Names, titles, time, and compensation below are reported by the organization on its Form 990.
People reported as paid
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 (15)
MARK RICHTERCEO
MICHELLE ROSSCFO
KELLY MCCARTY-TUBBSVICE PRESIDENT
TAMMY SCHWALMCOO
PHILIP JACQUESVICE PRESIDENT
ANTHONY RUSSODIRECTOR
DAVE DENBOERDIRECTOR
ERIC HAMPTREASURER
KAREN WIETZKEDIRECTOR
KOREEN PRAYSECRETARY
LAURIE HULLDIRECTOR
MARK DERYLODIRECTOR
MEGAN BARNESDIRECTOR
STEPHEN WITTCHAIRMAN
THOMAS MOREAUDIRECTOR
About this charity
- Recognized since
- January 1956
- Location
- PO BOX 817, HOUGHTON LAKE, MI 48629-0817
- County
- Roscommon
- In care of
- MARK RICHTER
- Primary officer
- MARK RICHTER, CEO
How to reach them
Filing and classification
- Latest tax year
- 2025
- Tax period began
- January 1, 2025
- Return type
- 990
- Tax preparer
- FINANCIAL STANDARDS GROUP INC
- NTEE classification
- Mutual & Membership Benefit (Y)
- IRS tax category
- Mutual & Membership Benefit