ANN ARBOR, MI
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN, founded in 1954, is a mid-sized nonprofit that reported $85.0M in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year. Expenses of $77.3M left a modest 9% surplus.
TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.
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 | $84,989,667 | $89,479,393 | -0.1% |
| Expenses | $77,297,519 | $68,108,376 | +0.1% |
| Net Income | $7,692,148 | $21,371,017 | -0.6% |
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 |
|---|---|---|---|---|---|---|
| EARL BELL | CHAIRPERSON | 3.00 |
Director
|
$0 | $0 | $0 |
| LUKELAND GENTLES | VICE CHAIRPERSON | 3.00 |
Director
|
$0 | $0 | $0 |
| KAREN PARKER | SECRETARY | 3.00 |
Director
|
$0 | $0 | $0 |
| VICTORIA BENNETT | TREASURER | 3.00 |
Director
|
$0 | $0 | $0 |
| FRANK CIANCIOLA | DIRECTOR | 3.00 |
Director
|
$0 | $0 | $0 |
| BENJIE JOHNSON | DIRECTOR | 3.00 |
Director
|
$0 | $0 | $0 |
| MARY KRASNY | DIRECTOR | 3.00 |
Director
|
$0 | $0 | $0 |
| JAMES MIDDLEMAS | DIRECTOR | 3.00 |
Director
|
$0 | $0 | $0 |
| QUINTA VREEDE | DIRECTOR | 3.00 |
Director
|
$0 | $0 | $0 |
| TIFFANY FORD | CEO | 40.00 |
Officer
|
$1,452,971 | $19,000 | $1,471,971 |
| DEANNE RAMOS | CHIEF FINANCIAL OFFICER | 40.00 |
Officer
|
$345,467 | $37,517 | $382,984 |
| DONNA DICKERSON DOLEMAN | CHIEF MARKETING OFFICER | 40.00 |
Key Emp
|
$344,109 | $48,255 | $392,364 |
| PATRICIA KEENE | CHIEF HUMAN RESOURCES OFFICER | 40.00 |
Key Emp
|
$284,848 | $21,347 | $306,195 |
| XIANG WU | CHIEF TECHNOLOGY OFFICER | 40.00 |
Key Emp
|
$265,486 | $32,570 | $298,056 |
| TINA HAMILTON | CHIEF LENDING OFFICER | 40.00 |
Key Emp
|
$273,127 | $24,907 | $298,034 |
| MARCUS ENGLISH | CHIEF OPERATIONS OFFICER | 40.00 |
Key Emp
|
$347,331 | $37,517 | $384,848 |
| JOSEPH LOUIS-FERDINAND | IT MANAGER | 40.00 |
Highest
|
$161,550 | $29,179 | $190,729 |
| MINAL KAMAT | VP OF BRANCH OPERATIONS | 40.00 |
Highest
|
$196,743 | $35,294 | $232,037 |
| ERICA BOTKA | VP OF TALENT | 40.00 |
Highest
|
$203,515 | $15,184 | $218,699 |
| BRITTANY ZIELINSKI | VP OF BRANCH OPERATIONS | 40.00 |
Highest
|
$178,298 | $19,378 | $197,676 |
| RASHMI HURST | AVP OF BRAND AND MARKETING | 40.00 |
Highest
|
$175,027 | $32,020 | $207,047 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $84,989,667 | $77,297,519 | $1,410,845,896 | $7,692,148 |
| 2024 | $89,479,393 | $68,108,376 | $1,353,392,856 | $21,371,017 |
| 2023 | $64,479,602 | $56,414,136 | $1,357,882,173 | $8,065,466 |
| 2022 | $52,711,293 | $44,293,607 | $1,361,434,664 | $8,417,686 |
| 2021 | $50,830,621 | $40,566,834 | $1,323,805,807 | $10,263,787 |
| 2020 | $47,053,855 | $41,897,968 | $1,187,983,058 | $5,155,887 |
| 2019 | $50,417,594 | $41,139,734 | $953,301,122 | $9,277,860 |
| 2018 | $45,510,697 | $35,391,811 | $907,339,037 | $10,118,886 |
Compare CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN with other nonprofits in Michigan and across the country.