CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN-MEIJER CREDIT UNION (EIN 381629407) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1958

Legal Domicile

Principal Officer

MATTHEW YANOSCHIK

Phone

6167844822

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN-MEIJER CREDIT UNION, founded in 1958, is a community nonprofit that reported $9.2M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $7.9M left a modest 14% surplus.

Mission

PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS.

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Trantor Score

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

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $8,192,235

Investment Income $976,593

Other Revenue $3,896

TOTAL REVENUE $9,172,724

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,999,664

Fundraising Expenses $0

Other Expenses $4,881,166

TOTAL EXPENSES $7,880,830

Year-over-Year Comparison

	2025	2024	Change
Revenue	$9,172,724	$7,909,380	+0.2%
Expenses	$7,880,830	$7,106,370	+0.1%
Net Income	$1,291,894	$803,010	+0.6%

Key Indicators

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

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Financial Health Indicators

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

Governance

Voting Members

Independent Members

Employees

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

$771,489

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATTHEW YANOSCHIK	President & CEO	40.00	Officer	$221,121	$35,535	$256,656
JORDAN KOWALKOWSKI	Vice President	40.00	Officer	$152,954	$18,377	$171,331
ANGELA PATTERSON	Vice President	40.00	Officer	$142,171	$17,187	$159,358
SANDY SIEDLECKI	COO	40.00	Officer	$106,833	$15,344	$122,177
CHARLENE RODGERS	CFO	40.00	Officer	$58,167	$3,800	$61,967
TOM RIDDLE	Chairman	1.00	Director	$0	$0	$0
SHEILA MARSHALL	Secretary	1.00	Director	$0	$0	$0
JENN ABRAMOWSKI	Treasurer	1.00	Director	$0	$0	$0
JACKIE ADAMS	Director	1.00	Director	$0	$0	$0
PHILIP KEIBLER	Director	1.00	Director	$0	$0	$0
BRYAN RICHARDS	Director	1.00	Director	$0	$0	$0
NICOLE KIDD	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	$9,172,724	$7,880,830	$115,463,562	$1,291,894
2024	$7,909,380	$7,106,370	$104,617,259	$803,010
2023	$6,376,544	$5,579,569	$93,280,679	$796,975
2022	$5,162,845	$4,755,278	$85,942,034	$407,567
2021	$5,155,144	$4,490,017	$89,560,448	$665,127
2020	$5,095,617	$4,730,086	$81,569,624	$365,531
2019	$5,443,624	$5,091,944	$67,322,316	$351,680
2018	$5,187,194	$5,403,050	$64,514,003	$-215,856

CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN-MEIJER CREDIT UNION