Civic Intelligence

Michigan Educational Credit Union

EIN 38-1305916 • 501(c)14 • Plymouth, MI

Profile

To provide members with quality, comprehensive and cost effective finanicial services

9200 Haggerty RdPlymouth, MI 48170

www.michedcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

46th percentile

0.91x

Higher debt load relative to assets than 46% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

97th percentile

23.88x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

49th percentile

9.3%

Higher net margin than 49% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

63rd percentile

$2,049,290

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

$1B+ nonprofits • Source year 2024

Asset Growth

46th percentile

2.2%

Faster asset growth than 46% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

27th percentile

13%

Faster revenue growth than 27% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$1,029,181,110

Up $22,605,583 (+2.2%) from 2023

Liabilities

Up

$931,738,836

Up $8,754,540 (+0.9%) from 2023

Net Assets

Up

$97,442,274

Up $13,851,043 (+17%) from 2023

Operations
Liabilities / Revenue97th percentileNet Margin49th percentile

Revenue

Up

$39,021,650

Up $4,374,965 (+13%) from 2023

Expenses

Up

$35,387,839

Up $4,286,124 (+14%) from 2023

Net Income

Up

$3,633,811

Up $88,841 (+2.5%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5B$1.0B$500M$0Assets 2010: $595,785,430Liabilities 2010: $518,494,227Net Assets 2010: $77,291,2032010Assets 2011: $621,980,878Liabilities 2011: $543,575,367Net Assets 2011: $78,405,5112011Assets 2012: $651,570,426Liabilities 2012: $572,067,306Net Assets 2012: $79,503,1202012Assets 2013: $673,459,718Liabilities 2013: $587,232,570Net Assets 2013: $86,227,1482013Assets 2014: $700,725,426Liabilities 2014: $611,637,857Net Assets 2014: $89,087,5692014Assets 2015: $727,291,650Liabilities 2015: $636,873,898Net Assets 2015: $90,417,7522015Assets 2016: $763,355,659Liabilities 2016: $669,249,682Net Assets 2016: $94,105,9772016Assets 2017: $799,550,694Liabilities 2017: $702,189,571Net Assets 2017: $97,361,1232017Assets 2018: $825,801,568Liabilities 2018: $724,680,648Net Assets 2018: $101,120,9202018Assets 2019: $875,998,094Liabilities 2019: $765,040,572Net Assets 2019: $110,957,5222019Assets 2020: $1,008,068,855Liabilities 2020: $891,636,935Net Assets 2020: $116,431,9202020Assets 2021: $1,074,921,779Liabilities 2021: $966,539,456Net Assets 2021: $108,382,3232021Assets 2022: $1,037,849,743Liabilities 2022: $972,569,560Net Assets 2022: $65,280,1832022Assets 2023: $1,006,575,527Liabilities 2023: $922,984,296Net Assets 2023: $83,591,2312023Assets 2024: $1,029,181,110Liabilities 2024: $931,738,836Net Assets 2024: $97,442,2742024

Highlighted filing

2024

Assets$1,029,181,110
Liabilities$931,738,836
Net Assets$97,442,274
Open 2024 Filing

Operations Trend

Revenue Growth27th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40M$30M$20M$10M$0Expenses 2010: $25,156,5012010Expenses 2011: $22,057,3672011Expenses 2012: $20,242,6562012Revenue 2013: $21,569,494Expenses 2013: $19,094,649Net Income 2013: $2,474,8452013Revenue 2014: $21,664,876Expenses 2014: $18,344,631Net Income 2014: $3,320,2452014Revenue 2015: $22,535,457Expenses 2015: $18,893,688Net Income 2015: $3,641,7692015Revenue 2016: $24,929,502Expenses 2016: $20,644,174Net Income 2016: $4,285,3282016Revenue 2017: $26,596,989Expenses 2017: $22,105,077Net Income 2017: $4,491,9122017Revenue 2018: $30,237,981Expenses 2018: $24,634,746Net Income 2018: $5,603,2352018Revenue 2019: $31,919,608Expenses 2019: $26,562,502Net Income 2019: $5,357,1062019Revenue 2020: $29,409,639Expenses 2020: $26,912,651Net Income 2020: $2,496,9882020Revenue 2021: $27,431,098Expenses 2021: $25,852,291Net Income 2021: $1,578,8072021Revenue 2022: $30,107,433Expenses 2022: $26,318,782Net Income 2022: $3,788,6512022Revenue 2023: $34,646,685Expenses 2023: $31,101,715Net Income 2023: $3,544,9702023Revenue 2024: $39,021,650Expenses 2024: $35,387,839Net Income 2024: $3,633,8112024

Highlighted filing

2024

Revenue$39,021,650
Expenses$35,387,839
Net Income$3,633,811
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,029,181,110
Liabilities
$931,738,836
Net assets
$97,442,274
Revenue
$39,021,650
Expenses
$35,387,839
Net income
$3,633,811
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,029$932$97.4$39.0$35.4$3.63
2023Detailed filing. Detailed filing data is available for this year.$1,007$923$83.6$34.6$31.1$3.54
2022Detailed filing. Detailed filing data is available for this year.$1,038$973$65.3$30.1$26.3$3.79
2021Detailed filing. Detailed filing data is available for this year.$1,075$967$108$27.4$25.9$1.58
2020Detailed filing. Detailed filing data is available for this year.$1,008$892$116$29.4$26.9$2.50
2019Detailed filing. Detailed filing data is available for this year.$876$765$111$31.9$26.6$5.36
2018Detailed filing. Detailed filing data is available for this year.$826$725$101$30.2$24.6$5.60
2017Detailed filing. Detailed filing data is available for this year.$800$702$97.4$26.6$22.1$4.49
2016Detailed filing. Detailed filing data is available for this year.$763$669$94.1$24.9$20.6$4.29
2015Detailed filing. Detailed filing data is available for this year.$727$637$90.4$22.5$18.9$3.64
2014Detailed filing. Detailed filing data is available for this year.$701$612$89.1$21.7$18.3$3.32
2013Detailed filing. Detailed filing data is available for this year.$673$587$86.2$21.6$19.1$2.47
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$652$572$79.5$20.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$622$544$78.4$22.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$596$518$77.3$25.2
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 7, 2025
Return Version
2024v5.1
Gross Receipts
$100,250,653
Mission and Program Overview

Mission

To provide members with quality, comprehensive and cost effective finanicial services.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$514,007,910$486,241,293▼ $27,766,617
Investments Other Securities$412,160,222$382,211,804▼ $29,948,418
Savings and Temporary Cash Investments$29,225,093$110,687,232▲ $81,462,139
Rtn Earn Endowment Incm Other Fnds$83,591,231$97,442,274▲ $13,851,043
Investments Program Related$17,144,365$14,444,763▼ $2,699,602
Land, Buildings, and Equipment, Net$7,575,970$7,430,560▼ $145,410
Cash and Non-Interest-Bearing Accounts$922,531$2,448,595▲ $1,526,064
Prepaid Expenses and Deferred Charges$1,594,325$1,910,109▲ $315,784
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0--
Cap Stk Tr Prin Current Funds$0--
Loans From Officers Directors$0$0→ $0
Total Assets$1,006,575,527$1,029,181,110▲ $22,605,583
Other Assets Total$23,945,111$23,806,754▼ $138,357
Liabilities
Other Liabilities$915,283,890$923,293,406▲ $8,009,516
Accounts Payable and Accrued Expenses$7,700,406$8,445,430▲ $745,024
Total Liabilities$922,984,296$931,738,836▲ $8,754,540
Net Assets / Fund Balance
Total Net Assets Fund Balance$83,591,231$97,442,274▲ $13,851,043
Total Liabilities and Net Assets / Fund Balance$1,006,575,527$1,029,181,110▲ $22,605,583

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,382,355$10,201,595$11,583,950
Buildings$3,137,345$6,829,182$9,966,527
Land$2,910,860-$2,910,860
Other Securities$5,000,000--
Closely Held Equity Interests$119,399--
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert SandercockChief Executive OfficerFT$1,049,500$999,790$2,049,290
Henry WillsonExecutive Vice PresidentFT$373,683$201,663$575,346
Jeffrey CusmanoVice PresidentFT$299,451$113,037$412,488
Kevin FinneranChief Financial OfficerFT$263,887$114,850$378,737
Lisa KaniaBranch ManagerFT$178,831$63,149$241,980
Andrea KlebbaExecutive AssistantFT$162,236$70,907$233,143
Emily FricksMarketing SupervisorFT$160,483$46,015$206,498
Kelly BorowskiBranch ManagerFT$139,877$49,993$189,870
Kyle HarrisDigital Services ManagerFT$131,234$53,889$185,123
Nichole HatchBranch ManagerFT$129,730$50,140$179,870
Wendy MarquetteBranch ManagerFT$124,690$46,946$171,636

Board Members and Trustees

NameTitle
Alonzo GlazeChairperson
Steven RodriguezVice Chairperson
Amy McquistonDirector
Dane DreschDirector
Deborah EllistonDirector
Gregory BaracyDirector
Scott SzukaitisDirector
Michelle RandallDirector - Part Year
Robin J E LongSecretary
William WoosterTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore Processing System, Etc.255 FISERV DRIVE, Brookfield, WI 53045$2,816,038
PscuCredit Card Processing560 CARILLON PARKWAY ST, Petersburg, FL 33716$752,308
Co-op Financial ServicesShared Branching, Atm Network, Debit Cards9692 HAVEN AVENUE, Rancho Cucamonga, CA 91730$339,359
Cbts - AltafiberCommunication & Network Lines221 E FOURTH ST, Cincinnati, OH 45201$304,246
Doeren Mayhew & Co PCAccounting Services305 WEST BIG BEAVER ROAD STE 200, Troy, MI 48084$184,650
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,602,381
Investment Income
$10,390,100
Other Revenue
$29,169
Change in Net Assets
$3,633,811
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,948,335
Salaries, Compensation, and Employee Benefits$12,439,504
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$8,301,465
Information Technology---$4,376,845
Other Salaries and Wages---$4,363,113
Current Officers, Directors, Trustees, and Key Employees---$3,864,339
Pension Plan Contributions---$1,908,885
Other Employee Benefits---$1,786,719
Occupancy---$1,767,940
Office Expenses---$1,455,225
Depreciation Depletion---$596,849
Fees for Services Accounting---$520,550
Payroll Taxes---$516,448
Advertising---$460,000
Other Expenses---$211,655
Conferences and Meetings---$201,360
Insurance---$172,094
Fees for Services Other---$11,115
Travel---$5,171
Total Functional Expenses$0$0$0$35,387,839
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal Income Taxes$923,293,406
Member Shares-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6 Classes of members or stockholders

“The credit union has a single class of members with equal rights of ownership, governance, and voting.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“The Board of Directors is elected at the annual meeting. Every year three of the nine seats are elected for a three year term.”

Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders

“Credit union decisions that are subject to membership approval are mergers, field of membership changes, and by-law changes.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“A review is conducted by the CFO prior to submission to the IRS. The returns are made available to the Board of Directors for review.”

Form 990, Part VI, Line 12C Conflict of interest policy

“All employees sign an acknowledgement of the credit union policies upon hire with each revision. Conflict of interest is included. Board members sign a code of ethics agreement which specifically addresses conflict of interest.”

Form 990, Part VI, Line 15A Process to establish compensation of top management official

“The Board of Directors performs an evaluation of the CEO. Compensation is determined through salary survey and comparison to select peer group. It is based on an employment contract and increases are approved by the Board of Directors. CFO and key employees are evaluated by the CEO. The CEO determines the salary based on compensation surveys, etc. The last compensation review was during the budget process in 2024.”

Form 990, Part VI, Line 15B Process to establish compensation of other employees

“The Board of Directors performs an evaluation of the CEO. Compensation is determined through salary survey and comparison to select peer group. It is based on an employment contract and increases are approved by the Board of Directors. CFO and key employees are evaluated by the CEO. The CEO determines the salary based on compensation surveys, etc. The last compensation review was during the budget process in 2024.”

Form 990, Part VI, Line 19 Required documents available to the public

“Financial statements are posted in the credit union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Michigan Educational Credit Union
EIN
38-1305916
Phone
7344559200
Address
9200 HAGGERTY RD, PLYMOUTH, MI 48170

Signing Officer

Name
Robert G Sandercock
Title
Chief Executive Officer
Signed
2025-07-07
Discuss with paid preparer
Yes

Organization Details

Formed
1942
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
102
Volunteers
9

Preparer

Firm
Plante & Moran PLLC
Address
2601 CAMBRIDGE CT SUITE 300, AUBURN HILLS, MI 48326
Preparer
David Lowenthal CPA
Phone
2483757100
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9 Other changes in net assets or fund balances

“Change in postretirement health benefits - -35156;”

Form 990, Part XII, Line 2C Change of oversight process or selection process

“The process has not changed from the prior year.”

Form 990, Part X, Line 5 and Schedule L

“Schedule l is not required for loans receivable balances on form 990, part x, line 5 if the loans are made by the credit union to the directors, officers, and key employees on the same terms offered to other members of the credit union. Therefore, the credit union has included $1,951,629 and $2,323,463 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2024 and 2023, respectively, within form 990, part x, line 7.”

Raw XML AppendixShowing 400 of 796 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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