MARSHALL, MI
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)MARSHALL COMMUNITY CREDIT UNION, founded in 1951, is a mid-sized nonprofit that reported $24.6M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.1M, a strong 21% operating margin.
PARTNERING WITH MEMBERS FOR FINANCIAL SUCCESS THROUGH SERVICE, SOLUTIONS, AND EDUCATION.
PROVIDE 16,296 MEMBERS WITH REGULAR SHARE, CLUB SAVINGS, SHARE DRAFT, YOUTH SAVINGS, HEALTH SAVINGS ACCOUNTS, MONEY MARKET, IRA, COMMERCIAL AND CERTIFICATE OF DEPOSIT ACCOUNTS TOTALING 18,537.
PROVIDE 8,321 LOANS INCLUDING VEHICLE, OTHER CONSUMER, UNSECURED, MORTGAGE, HOME EQUITY, COMMERCIAL, CREDIT CARD, YOUTH AND CONSTRUCTION LOANS. SERVICE 1,596 LOANS SOLD TO THE SECONDARY MARKET.
OFFER INSURANCE AND FINANCIAL ADVISORY SERVICES. INSURANCE OFFERED INCLUDES AD&D, GAP, CREDIT LIFE & DISABILITY, AND MECHANICAL BREAKDOWN COVERAGE. ALSO OFFER PROPERTY & CASUALTY AND ANCILLARY...
OFFER INSURANCE AND FINANCIAL ADVISORY SERVICES. INSURANCE OFFERED INCLUDES AD&D, GAP, CREDIT LIFE & DISABILITY, AND MECHANICAL BREAKDOWN COVERAGE. ALSO OFFER PROPERTY & CASUALTY AND ANCILLARY INSURANCE LINES VIA MCCU INSURANCE AGENCY, LLC. FINANCIAL ADVISORY SERVICES OFFERED VIA INDEPENDENT FINANCIAL ADVISORS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $24,550,652 | $21,600,711 | +0.1% |
| Expenses | $19,481,075 | $17,219,546 | +0.1% |
| Net Income | $5,069,577 | $4,381,165 | +0.2% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| MARK GARAVALIA | CHAIRPERSON | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| ASHLEY IOVIENO | VICE CHAIRPERSON | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| JERRY BAREMOR | SECRETARY | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| LISA DAMRON | TREASURER | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| PAUL WATSON | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| FRANK CABRERA | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| LUCY BLAIR HOUGH | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| WILLIAM CLAYBORN | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| VAUGHN FRENTZ | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| CORRIE ROZELL | CEO | 40.00 |
Officer
|
$380,334 | $40,191 | $420,525 |
| JULIE ZINK | CFO | 40.00 |
Officer
|
$158,212 | $24,769 | $182,981 |
| MELISSA SEAVOLT | COO | 40.00 |
Officer
|
$171,784 | $24,651 | $196,435 |
| JOHN MCKENZIE | VP OF INFO TECH AND SECURITY | 40.00 |
Officer
|
$159,800 | $28,211 | $188,011 |
| STEVE SCOTT | VP OF IT BUSINESS SOLUTIONS | 40.00 |
Officer
|
$144,889 | $18,392 | $163,281 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $24,550,652 | $19,481,075 | $361,485,329 | $5,069,577 |
| 2024 | $21,600,711 | $17,219,546 | $330,682,386 | $4,381,165 |
| 2023 | $16,738,081 | $14,198,224 | $311,754,958 | $2,539,857 |
| 2022 | $13,400,712 | $11,491,605 | $306,519,256 | $1,909,107 |
| 2021 | $14,980,638 | $10,203,346 | $305,597,773 | $4,777,292 |
| 2020 | $15,890,998 | $10,715,854 | $280,270,362 | $5,175,144 |
| 2019 | $13,163,286 | $10,548,719 | $226,939,106 | $2,614,567 |
| 2018 | $11,350,188 | $8,934,581 | $200,398,796 | $2,415,607 |
Compare MARSHALL COMMUNITY CREDIT UNION with other nonprofits in Michigan and across the country.