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Credit Unions Chartered in the State of Michigan 48 Lake Michigan Credit Union at a glance

· Public charity

Credit Unions Chartered in the State of Michigan 48 Lake Michigan Credit Union

Promotion of thrift and providing low cost credit and other financial services for its members through mutual and nonprofit organization.

$1.3M
Granted FY2025still arriving
50
Grants FY2025still arriving
5
States reached
$250k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2022 to 2025.

Housing & Shelter$469kHealth$208kEducation$179kCommunity Improvement$147kHuman Services$145kInternational$100kYouth Development$88kEmployment$75kOther$0
02FY2025 · 50 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 50 grants below total $1,217,517, the rows itemized in this filing. The $1,346,517 headline is the total grant expense on the return; the other $129,000 is giving the schedule does not break out (grants under the $5,000 itemization floor, grants to individuals, grants on other schedules). Every figure below describes the itemized rows only.

By grant size · FY2025

  • Under $10k8 grants · $60k
  • $10k–50k37 grants · $658k
  • $50k–250k4 grants · $250k
  • $250k+1 grant · $250k
$16,667
Median grant
5
States reached
$16.0B
Total assets
Largest grants
RecipientAmount
FAIR HOUSING CENTER OF WEST MICHIGAN$250,000
GRAND ACTION FOUNDATION 20$100,000
MARY FREE BED FOUNDATION$50,000
URBAN LEAGUE OF WEST MICHIGAN$50,000
CREDIT UNION HOUSE LLC$50,000
ICCF$42,000
BOYS AND GIRLS CLUB OF LEE COUNTY$35,000
STOREHOUSE OF COMMUNITY RESOURCES$30,000
MEALS ON WHEELS OF WESTERN MICHIGAN$25,000
JUNIOR ACHIEVEMENT OF MICHIGAN GREAT LAKES$25,000
KENT COUNTY$25,000
DAVENPORT UNIVERSITY$25,000
MICHIGAN STATE UNIVERSITY$25,000
BE CAF$25,000
SAINT MARY'S FOUNDATION$20,000
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY22–25, $200k) land where the poverty rate runs at 11%, against an area that typically sits at 11%. 5% of those dollars go to grantees based in above-average-need neighborhoods. Its grants skew toward lower-need ZIPs.

area typical 11%JUBILEE MINISTRIES: $10k → 10%OPPORTUNITY RESOURCE FUND: $10k → 16%STOREHOUSE OF COMMUNITY RESOURCES: $30k → 11%YMCA OF GREATER GRAND RAPIDS: $40k → 11%AMERICAN RED CROSS: $20k → 11%YMCA OF GREATER GRAND RAPIDS: $17k → 11%AFRICAN RESOURCE CENTER OF WEST MICHIGAN: $15k → 11%URBAN LEAGUE OF WEST MICHIGAN: $50k → 11%THE PLAYGROUND GR: $8k → 11%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

27%of every dollar goes to organizations it has funded before.
$422k · 8 repeat orgs$1.2M to everyone else

Grantees it renews have grown median revenue +40% since the first grant, against 0% for those funded once.

8 repeat relationships: 7 still active in FY2025, 1 since wound down; 41 grantees were first funded in FY2025 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

8
6

Total granted

$422k
$135k

Median revenue growth · since first grant

+40%
0%

Still filing today

88%
83%

New vs renewed · share of each year

In FY2025, 14% of grant dollars renewed an existing relationship; $1.0M went to new ones.

50%100%’22’23’24’25
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’22’23’24’25
Human ServicesEducationHealthHousing & ShelterCivil RightsFood & NutritionOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • TY
    The Young Men's Christian Association of Greater Grand Rapids (3019)
    2× · 2022–2025 · $57k · revenue +88%
  • BG
    BOYS & GIRLS CLUBS OF LEE COUNTY
    2× · 2023–2025 · $55k · revenue +52%
  • LC
    Literacy Center of West Michigan
    2× · 2024–2025 · $40k · revenue +40%

Funded once

  • IN
    ICCF NONPROFIT HOUSING CORPORATION
    one grant, 2024 · $50k · revenue 0%
  • NF
    NATIONAL FAITH HOMEBUYERS
    one grant, 2024 · $25k · revenue +22%
  • AN
    American National Red Cross & Its Constituent Chapters and Branches
    one grant, 2022 · $20k · revenue +23%
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
Michigan Chamber of Commerce

To promote conditions favorable to job creation and business success in michigan.

—
2
Business Leaders for Michigan Foundation

Business leaders for michigan is a nonprofit, nonpartisan statewide organization driven by ceos from the state's leading employers, all working toward a shared goal: making michigan a top 10 state for jobs, talent and a thriving economy.…

Community Improvement
3
Business Leaders for Michigan

Business leaders for michigan is a nonprofit, nonpartisan statewide organization driven by ceos from the state's leading employers, all working toward a shared goal: making michigan a top 10 state for jobs, talent and a thriving economy.…

—
4
The Northern Michigan University Foundation

The nmu foundation will establish and foster relationships to generate resources that benefit the strategic goals of northern michigan university.

Education
5
Grand Rapids Area Community Foundation

Inspire individuals and organizations to invest in their community to improve the quality of life.

Community Improvement
6
Michigan Credit Union Foundation

Cooperatively empowering credit unions to increase financial well-being by supporting community enrichment, financial education, and credit union development initiatives

Public Benefit
7
Saginaw County Chamber of Commerce

To be a catalyst for economic and community progress within the great lakes bay region.

—
8
Michigan Chamber Foundation

1) to plan and conduct nonpartisan public education programs regarding free enterprise, productivity and basic economic issues affecting the state of michigan.2) to establish and operate a leadership institute designed to provide promising…

Arts & Culture
9
Mid Michigan Community Action Agency Inc

Mid michigan community action guides local residents on the path to self-sufficiency through empowerment, education and community enrichment.

—
10
Goodwill Industries of Central Michigan's Heartland Inc

Changing lives through the power of work.

Employment
11
Central Indiana Corporate Partnership Inc

Central indiana corporate partnership (cicp) is an alliance of indiana's business and research university leaders coming together to foster long-term prosperity for the region. cicp's mission is to transform the economy of indiana in order…

Community Improvement
12
Minnesota Chamber of Commerce and Industry

The minnesota chamber of commerce proactively leads the business community statewide to: advance pro-business, responsible minnesota public policy that creates jobs and grows the econony; provde member services to address evolving business…

—
How this is measured
The grantee most central to the portfolio’s shape is Gilda's Club Grand Rapids; the most unlike its peers is The Playgroundgr. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

52 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 52 of the 58 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

1
Load-bearing (≥25% of a budget)
9
Early backer (in before they grew)
52/52
Grantees still filing
16/52
Grew since first funded

Where the money sits, by cause and then by grantee

FAIR HOUSING CENTER OF W MICHIGAN: $250,000 · Housing & ShelterFAIR HOUSING CENTER OF W M…ICCF NONPROFIT HOUSING CORPORATION: $50,000 · Housing & ShelterICCF NONPROFIT HOUSING COR…ICCF COMMUNITY HOMES: $42,000 · Housing & ShelterICCF COMMUNITY HOMESNATIONAL FAITH HOMEBUYERS: $25,000 · Housing & ShelterNATIONAL FAITH HOMEBUYERSHOME REPAIR SERVICES OF KENT COUNTY INC: $17,000 · Housing & ShelterCREDIT UNION HOUSE LLC: $50,000 · OtherCREDIT UNION HOUSE LLCMICHIGAN STATE UNIVERSITY: $45,000 · OtherMICHIGAN STATE UNIVERSITYGRAND RAPIDS AREA BLACK BUSINESSES: $20,000 · OtherBOYS & GIRLS CLUBS OF LEE COUNTY: $55,000 · OtherBOYS & GIRLS CLUBS OF LEE COUNTYMEALS ON WHEELS WESTERN MICHIGAN: $50,000 · OtherMEALS ON WHEELS WESTERN MICHIGANBE CAFE: $45,000 · OtherBE CAFEWEST MICHIGAN HISPANIC CHAMBER OF COMMERCE: $16,667 · OtherGRAND RAPIDS CHILDREN'S MUSEUM: $20,000 · Other+19 more: $194,250 · Other+19 moreThe Young Men's Christian Association of Greater Grand Rapids (3019): $57,000 · Human ServicesThe Young Men'…GRAND RAPIDS URBAN LEAGUE: $50,000 · Human ServicesGRAND RAPIDS U…STOREHOUSE OF COMMUNITY RESOURCES: $30,000 · Human ServicesSTOREHOUSE OF …American National Red Cross & Its Constituent Chapters and Branches: $20,000 · Human ServicesAmerican Natio…AFRICAN RESOURCE CENTER OF WEST MICHIGAN: $15,000 · Human ServicesAFRICAN RESOUR…Opportunity Resource Fund: $10,000 · Human ServicesJUBILEE MINISTRIES INC: $10,000 · Human ServicesTHE PLAYGROUNDGR: $8,000 · Human ServicesMARY FREE BED REHABILITATION HOSPITAL FOUNDATION: $50,000 · HealthMARY FREE B…Kent County Central Office: $25,000 · HealthKent County…SAINT MARY'S FOUNDATION: $20,000 · HealthSAINT MARY'…VAN ANDEL RESEARCH INSTITUTE: $19,500 · HealthVAN ANDEL R…Bronson Health Foundation: $19,000 · HealthBronson Hea…COREWELL HEALTH FOUNDATION WEST MICHIGAN: $18,500 · HealthCOREWELL HE…MENTAL HEALTH FOUNDATION OF WEST MICHIGAN: $10,000 · HealthMENTAL HEAL…Literacy Center of West Michigan: $40,000 · EducationLiteracy C…DAVENPORT UNIVERSITY FOUNDATION: $30,000 · EducationDAVENPORT …DAVENPORT UNIVERSITY: $25,000 · EducationDAVENPORT …WEST MICHIGAN CENTER FOR ARTS & TECHNOLOGY: $20,000 · EducationWEST MICHI…GRAND RAPIDS COMMUNITY COLLEGE FOUNDATION: $10,600 · EducationGRAND RAPI…WEST MICHIGAN CONSTRUCTION INSTITUTE: $10,000 · EducationWEST MICHI…PINELLAS COUNTY EDUCATION FOUNDATION INC: $10,000 · EducationPINELLAS C…GRAND ACTION FOUNDATION 20: $100,000 · PhilanthropyLEE MEMORIAL HEALTH SYSTEM FOUNDATION INC: $15,000 · PhilanthropySOUTHWEST FLORIDA COMMUNITY FOUNDATION INC: $10,000 · PhilanthropyJUNIOR ACHIEVEMENT OF THE MICHIGAN GREAT LAKES INC: $100,000 · International
Housing & Shelter$384,000Other$495,917Human Services$200,000Health$162,000Education$145,600Philanthropy$125,000International$100,000

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$100k$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetFAIR HOUSING CENTER OF W MICHIGAN: $250,000 over 1y, 20% of budgetJUNIOR ACHIEVEMENT OF THE MICHIGAN GREAT LAKES INC: $100,000 over 4y, 0.6% of budgetGRAND ACTION FOUNDATION 20: $100,000 over 1y, 0.2% of budgetThe Young Men's Christian Association of Greater Grand Rapids (3019): $57,000 over 2y, 0.1% of budgetBOYS & GIRLS CLUBS OF LEE COUNTY: $55,000 over 2y, 0.9% of budgetMEALS ON WHEELS WESTERN MICHIGAN: $50,000 over 2y, 0.3% of budgetMARY FREE BED REHABILITATION HOSPITAL FOUNDATION: $50,000 over 1y, 0.2% of budgetICCF NONPROFIT HOUSING CORPORATION: $50,000 over 1y, 2.0% of budgetBE CAFE: $45,000 over 2y, 2.3% of budgetLiteracy Center of West Michigan: $40,000 over 2y, 1.1% of budgetSTOREHOUSE OF COMMUNITY RESOURCES: $30,000 over 1y, 0.1% of budgetDAVENPORT UNIVERSITY FOUNDATION: $30,000 over 2y, 0.6% of budgetDAVENPORT UNIVERSITY: $25,000 over 1y, 0.0% of budgetKent County Central Office: $25,000 over 1y, 58% of budgetNATIONAL FAITH HOMEBUYERS: $25,000 over 1y, 1.6% of budgetWEST MICHIGAN CENTER FOR ARTS & TECHNOLOGY: $20,000 over 1y, 0.7% of budgetAmerican National Red Cross & Its Constituent Chapters and Branches: $20,000 over 1y, 0.0% of budgetSAINT MARY'S FOUNDATION: $20,000 over 1y, 0.4% of budgetGRAND RAPIDS CHILDREN'S MUSEUM: $20,000 over 1y, 0.7% of budgetHOME REPAIR SERVICES OF KENT COUNTY INC: $17,000 over 1y, 0.3% of budgetGILDA'S CLUB GRAND RAPIDS: $15,000 over 1y, 0.9% of budgetLEE MEMORIAL HEALTH SYSTEM FOUNDATION INC: $15,000 over 1y, 0.0% of budgetHABITAT FOR HUMANITY OF KENT COUNTY INC: $15,000 over 1y, 0.2% of budgetMICHIGAN COUNCIL ON ECONOMIC EDUCATION: $15,000 over 1y, 8.0% of budgetAFRICAN RESOURCE CENTER OF WEST MICHIGAN: $15,000 over 1y, 8.6% of budgetGRAND RAPIDS COMMUNITY COLLEGE FOUNDATION: $10,600 over 1y, 0.1% of budgetWEST MICHIGAN CONSTRUCTION INSTITUTE: $10,000 over 1y, 0.3% of budgetPINELLAS COUNTY EDUCATION FOUNDATION INC: $10,000 over 1y, 0.1% of budgetGreater Grand Rapids Chamber Foundation: $10,000 over 1y, 0.6% of budgetSOUTHWEST FLORIDA COMMUNITY FOUNDATION INC: $10,000 over 1y, 0.0% of budgetTHE FOUNDATION FOR LEE COUNTY PUBLIC SCHOOLS INC: $10,000 over 1y, 0.5% of budgetCHARITABLE FOUNDATION OF THE ISLANDS INC: $10,000 over 1y, 0.3% of budgetBOYS & GIRLS CLUB OF COLLIER COUNTY FLOR: $10,000 over 1y, 0.1% of budgetMENTAL HEALTH FOUNDATION OF WEST MICHIGAN: $10,000 over 1y, 0.7% of budgetJUBILEE MINISTRIES INC: $10,000 over 1y, 0.4% of budgetCOMMUNITIES IN SCHOOLS OF KALAMAZOO: $8,500 over 1y, 0.2% of budgetTHE PLAYGROUNDGR: $8,000 over 1y, 3.5% of budgetNATIONAL CREDIT UNION FOUNDATION: $7,500 over 1y, 0.1% of budgetASCENSION BORGESS FOUNDATION: $7,500 over 1y, 0.2% of budgetCASA of Kent County Inc: $7,500 over 1y, 0.7% of budgetKIDS' FOOD BASKET INC: $6,250 over 1y, 0.1% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Grand Rapids Communit…Frey FoundationDouglas & Maria Devos…Heart of West Michiga…Cdv5 FoundationThe Wege FoundationThe Mercantile Bank F…The Meijer FoundationPeter C & Emajean Coo…The David and Carol V…Steelcase FoundationDaniel & Pamella Devo…
Grand Rapids Community FoundationMI64.1× affinity30 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Grand Rapids Community Foundation · Frey Foundation · Douglas & Maria Devos Foundation · Heart of West Michigan United Way · Cdv5 Foundation · The Wege Foundation · The Mercantile Bank Foundation · The Meijer Foundation · Peter C & Emajean Cook Foundation · The David and Carol Van Andel Family Foundation · Steelcase Foundation · Daniel & Pamella Devos Foundation

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Credit Unions Chartered in the State of Michigan 48 Lake Michigan Credit Union funds: left to right is the share of its income from government, bottom to top the share from Credit Unions Chartered in the State of Michigan 48 Lake Michigan Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 20%4%15%34%60%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 69%
  • Southwest Florida Community Foundation Inc: 69% of income from government
no gov moneyreceives it· size = income
2get no government money at all
22report government grants on their 990 we could not trace to a source (not plotted)
1rely on government for over half their income
typical government reliance, FY20–25
How this is measured
Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.

On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 58 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

How this is measured
Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

Generated from the IRS Form 990 e-file return for fiscal year 2025, released 2025. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

Source object · view filing

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More from the funding graph

The unnamed billions
grants reported with no recipient in the public record
The regranting layer
51% of grant dollars land in the regranting layer
The DAF merry-go-round
$9.7B circulates between donor-advised funds
The endowment market
who holds foundation money, and what just moved
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home