MICHIGAN UNITED CREDIT UNION

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1931

Legal Domicile

Principal Officer

ANDREW STALEY

Phone

2486475958

Tax Period

2025-01-01 to 2025-12-31

MICHIGAN UNITED CREDIT UNION, founded in 1931, is a mid-sized nonprofit that reported $18.5M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.9M, a strong 21% operating margin.

Mission

WE STRIVE TO IMPROVE THE FINANCIAL LIVES OF OUR MEMBERS THROUGH EDUCATION, TRUST, AND INNOVATIVE PRODUCTS AND SERVICES.

Program Service Accomplishments

Program 1

THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF ACTIVE MEMBERS AT 12/31/2025 WAS 24,143.

Program 2

THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 14,979.

Program 3

OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELER'S CHECKS, COURTESY PAY, FINANCIAL EDUCATION & COUNSELING AND VARIOUS INSURANCE PROGRAMS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $14,269,566

Investment Income $4,244,295

Other Revenue $0

TOTAL REVENUE $18,513,861

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,442,766

Fundraising Expenses $0

Other Expenses $7,145,792

TOTAL EXPENSES $14,588,558

Year-over-Year Comparison

	2025	2024	Change
Revenue	$18,513,861	$16,718,511	+0.1%
Expenses	$14,588,558	$14,390,929	+0.0%
Net Income	$3,925,303	$2,327,582	+0.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

106

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$1,709,523

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW STALEY	President & CEO	40.00	Officer	$367,469	$53,794	$421,263
STACY WILSON	Vice President	40.00	Officer	$198,278	$17,180	$215,458
GERRY COYNE	Vice President	40.00	Officer	$167,180	$36,025	$203,205
VICKI BRIDSON	CFO	40.00	Officer	$140,244	$33,831	$174,075
ANNETTE SWIDWINSKI	Vice President	40.00	Officer	$140,623	$12,568	$153,191
JAMES BOEHLER	Vice President	40.00	Officer	$110,666	$34,766	$145,432
JESSICA ALDRICH	Vice President	40.00	Officer	$101,004	$33,907	$134,911
LEEANN ZELIASKO	Vice President	40.00	Officer	$103,245	$30,397	$133,642
DEANNA KOEN	Vice President	40.00	Officer	$94,938	$33,408	$128,346
RICHARD PERRY	Chairman	1.00	Director	$0	$0	$0
JAMES STEVENSON	Director	1.00	Director	$0	$0	$0
NORMAN JUCHNO	Secretary	1.00	Director	$0	$0	$0
ELIZABETH MOREHOUSE	Treasurer	1.00	Director	$0	$0	$0
ROBERT KUPFER	Director	1.00	Director	$0	$0	$0
LESLIE LOGAN	Director	1.00	Director	$0	$0	$0
GLEN MITCHELL	Director	1.00	Director	$0	$0	$0
GREG FISHER	Director	1.00	Director	$0	$0	$0
GEORGE WIEGAND	Director	1.00	Director	$0	$0	$0
STEVEN TAYLOR	Director	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$18,513,861	$14,588,558	$335,809,779	$3,925,303
2024	$16,718,511	$14,390,929	$331,606,562	$2,327,582
2023	$14,355,199	$12,736,325	$367,730,295	$1,618,874
2022	$11,922,409	$10,055,951	$357,324,452	$1,866,458
2021	$9,615,353	$8,605,964	$344,071,075	$1,009,389
2020	$9,035,067	$8,302,221	$257,460,605	$732,846
2019	$4,226,519	$3,616,307	$119,620,480	$610,212
2018	$2,842,841	$2,324,818	$69,066,277	$518,023