BATTLE CREEK, 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 1941, is a mid-sized nonprofit that reported $57.0M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $14.1M, a strong 25% operating margin.
KCCU IS A FULL-SERVICE FINANCIAL INSTITUTION SERVING FAMILIES FOR DECADES. YOUR CREDIT UNION PROVIDES MORE OPPORTUNITY THAN OTHER FINANCIAL INSTITUTIONS BECAUSE IT IS OWNED AND GOVERNED BY THE PEOPLE WHO UTILIZE ITS PRODUCTS AND SERVICES. EVERY MEMBER OWNS A SHARE OF THE CREDIT UNION AND THE CREDIT UNION OPERATES TO PROMOTE THE FINANCIAL WELL-BEING OF ALL ITS MEMBERS.
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)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $56,966,918 | $47,149,535 | +0.2% |
| Expenses | $42,851,901 | $34,482,401 | +0.2% |
| Net Income | $14,115,017 | $12,667,134 | +0.1% |
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 |
|---|---|---|---|---|---|---|
| HENRY PAT ROLFE | CHAIRPERSON | 1.00 |
Director
|
$0 | $0 | $0 |
| MARIE SMITH | VICE CHAIRPESON | 1.00 |
Director
|
$0 | $0 | $0 |
| MELISSA MILLER | SECRETARY | 1.00 |
Director
|
$0 | $0 | $0 |
| ROGER E PITZER | TREASURER | 1.00 |
Director
|
$0 | $0 | $0 |
| CHIRSTOPHER DEMAREST | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| CAROL CASEY | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| E PAUL CHAMBERS | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| SEPH DABROWSKI | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| TREY JUNKINS | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| TRACY MILLER | CEO | 38.00 |
Officer
|
$452,792 | $55,327 | $508,119 |
| ANTHONY JERRY WRIGHT | CFO | 38.00 |
Officer
|
$204,052 | $32,771 | $236,823 |
| KATE PRATLEY | CHIEF RISK OFFICER | 38.00 |
Officer
|
$152,155 | $29,323 | $181,478 |
| AMBER MALLERNEE | CCO | 38.00 |
Officer
|
$180,421 | $31,672 | $212,093 |
| LINDSEY R LAW | CLO | 38.00 |
Officer
|
$212,046 | $18,109 | $230,155 |
| JASON CAIN | CHIEF TECHNOLOGY OFFICER | 38.00 |
Officer
|
$56,842 | $1,938 | $58,780 |
| JERALD PAWLOWICZ | FINANCIAL ADVISOR | 37.50 |
Highest
|
$197,229 | $32,018 | $229,247 |
| TARA STEELE | BUSINESS LENDING MANAGER | 37.50 |
Highest
|
$129,875 | $16,629 | $146,504 |
| JESSICA BISSENDEN | VP OF HR | 37.50 |
Highest
|
$118,023 | $9,168 | $127,191 |
| KELSEY MCALLASTER | VP OF RETAIL | 37.50 |
Highest
|
$118,001 | $17,373 | $135,374 |
| ELEYAN DABABNEH | BUSINESS DEVELOPMENT OFFICER | 37.50 |
Highest
|
$110,504 | $26,991 | $137,495 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $56,966,918 | $42,851,901 | $907,537,397 | $14,115,017 |
| 2023 | $47,149,535 | $34,482,401 | $857,416,206 | $12,667,134 |
| 2022 | $40,430,087 | $27,503,013 | $830,760,566 | $12,927,074 |
| 2021 | $36,696,292 | $26,124,231 | $818,090,752 | $10,572,061 |
| 2020 | $34,477,684 | $26,677,512 | $739,548,289 | $7,800,172 |
| 2019 | $32,588,512 | $24,954,560 | $637,107,774 | $7,633,952 |
| 2018 | $28,629,978 | $20,557,731 | $531,258,154 | $8,072,247 |
Compare CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN with other nonprofits in Michigan and across the country.