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Michigan Credit Union Foundation at a glanceAlso receives grants: funding profile →

· Public charity

Michigan Credit Union Foundation

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

$111k
Granted FY2024still arriving
5
Grants FY2024still arriving
2
States reached
$25k
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, FY2017 to 2024.

Community Improvement$434kEducation$300kEmployment$56kHuman Services$55kPhilanthropy$25kPublic Safety & Disaster$20kArts & Culture$19kMembership Benefit$18kOther$0
02FY2024 · 5 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 5 grants below total $85,241, the rows itemized in this filing. The $111,165 headline is the total grant expense on the return; the other $25,924 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.
$15,000
Median grant
2
States reached
$1.4M
Total assets
Largest grants
RecipientAmount
METRO WEST CHAPTER OF CREDIT UNIONS$25,241
UNITED WAY OF NORTHERN NEW JERSEY$20,000
MEMBERS FIRST CREDIT UNION$15,000
ELGA CREDIT UNION$15,000
PUBLIC SERVICE CREDIT UNION$10,000
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:

Dollar for dollar, its grants (FY17–24) land where the poverty rate runs at 14%, against an area that typically sits at 11%. 73% of its dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 11%CREDIT UNION NETWORK FOR FINANCIAL LITERACY: $21k → 6%RICHARD MYLES JOHNSON FOUNDATION: $20k → 14%MICHIGAN COUNCIL ON ECONOMIC EDUCATION: $20k → 8%MEMBERS FIRST CREDIT UNION: $10k → 9%4FRONT CREDIT UNION: $14k → 10%MICHIGAN COUNCIL ON ECONOMIC EDUCATION: $32k → 10%SAGELINK CREDIT UNION: $8k → 12%TRUE COMMUNITY CREDIT UNION: $20k → 13%FILER CREDIT UNION: $6k → 13%OMNI COMMUNITY CREDIT UNION: $15k → 14%MI TECH EMPLOYEES FCU: $10k → 14%SB COMMUNITY FCU: $8k → 15%COMMUNITY FIRST FEDERAL CREDIT UNION: $8k → 15%HONOR CREDIT UNION: $10k → 15%ALPENA ALCONA AREA CU: $19k → 16%CASE CU: $7k → 16%ELGA CREDIT UNION: $15k → 16%FRANKENMUTH CREDIT UNION: $11k → 18%NORTHLAND AREA FCU: $10k → 18%METRO WEST CHAPTER OF CREDIT UNIONS: $25k → 21%UNITED WAY OF NORTHERN NEW JERSEY: $20k → 4%LOUISIANA CREDIT UNION LEAGUE: $6k → 15%RMJ FOUNDATION: $11k → 14%MICHIGAN COUNCIL ON ECONOMIC EDUCATION: $10k → 8%4FRONT CREDIT UNION: $8k → 10%MICHIGAN COUNCIL ON ECONOMIC EDUCATION: $24k → 10%CP FEDERAL CU: $19k → 13%BLUE OX CU: $6k → 14%BEST FINANCIAL CREDIT UNION: $7k → 15%ALPENA ALCONA AREA CU: $10k → 16%MICHIGAN STATE UNIVERSITY: $7k → 16%ELGA CREDIT UNION: $10k → 16%RMJ FOUNDATION: $8k → 14%MICHIGAN COUNCIL ON ECONOMIC EDUCATION: $9k → 10%SO MI CHAPTER OF CUS: $9k → 13%CASE CU: $6k → 16%ELGA CREDIT UNION: $7k → 16%TEAM ONE CREDIT UNION: $12k → 18%PUBLIC SERVICE CREDIT UNION: $10k → 21%RMJ FOUNDATION: $8k → 14%MICHIGAN SCHOOLS & GOVERNMENT CU: $10k → 10%TRUE COMMUNITY CREDIT UNION: $7k → 13%TEAM ONE CREDIT UNION: $10k → 18%PUBLIC SERVICE CREDIT UNION: $8k → 21%JACKSON COMMUNITY FOUNDATION: $12k → 13%ADVANTAGE ONE CREDIT UNION: $14k → 21%CATHOLIC VANTAGE FINANCIAL CREDIT UNION: $13k → 21%DIVERSIFIED MEMBERS CU: $40k → 21%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.

66%of every dollar goes to organizations it has funded before.
$613k · 15 repeat orgs$315k to everyone else

15 repeat relationships: 4 still active in FY2024, 11 since wound down; 1 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

15
31

Total granted

$613k
$295k

Median revenue growth · since first grant

+34%
+51%

Still filing today

87%
61%

New vs renewed · share of each year

In FY2024, 77% of grant dollars renewed an existing relationship; $20k went to new ones.

50%100%’17’18’19’20’21’22’23’24
RenewedFirst-time

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

’17’18’19’20’21’22’23’24
Community ImprovementEducationPhilanthropyInternationalOther
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

  • MC
    MICHIGAN COUNCIL ON ECONOMIC EDUCATION
    5× · 2017–2023 · $94k · revenue +13%
  • RM
    RICHARD MYLES JOHNSON FOUNDATION
    4× · 2020–2023 · $47k · revenue +34%
  • TC
    TRUE COMMUNITY CREDIT UNION
    3× · 2018–2022 · $46k · revenue +123%

Funded once

  • DM
    DIVERSIFIED MEMBERS CREDIT UNIONgraduated
    one grant, 2018 · $40k · revenue +73%
  • CU
    CREDIT UNION NETWORK FOR FINANCIAL LITERACY
    one grant, 2019 · $21k
  • OC
    OMNI COMMUNITY CREDIT UNIONgraduated
    one grant, 2017 · $15k · revenue +84%
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
Credit Union of America

Provide lending, savings, and financial services for mutual purpose, including consumer loans, real estate loans, credit cards, savings and certificate accounts, investment options, and multiple methods for member access to their financial…

—
2
Municipal Employees Credit Union of Baltimore Inc

Our mission is to empower our members to improve their finanical well-being and live better.

—
3
Community Credit Union

Community credit union is a member owned organization that strives to provide financial services to ensure stability for all members, employees and communities at all stages of life.

—
4
Us Employees Credit Union

Illinois state chartered credit union operated for the mutual benefit of its members. The Credit Union makes loans to members and pays dividends to members with share deposits at a competitive rate of interest.

Public Benefit
5
Superior Credit Union Inc

We promise to simplify your life. we promise to work in your best interest. we promise to help you build your financial future. we promise to provide products and services relevant to your needs. we promise to protect your privacy.

Arts & Culture
6
County-City Credit Union

To help our members meet financial challenges in a responsive, convenient, friendly and caring manner; and to help them find financial security with competitive products and services.

—
7
Credit Unions in the State of California Sierra Central Credit Union

As your financial institution, we pledge to serve you and our community faithfully. we will be friendly, helpful, and professional, and we will provide great products and competitive rates.

—
8
Mcu Financial Services Credit Union

To provide secure, convenient and quality financial services, in an economically sound manner, to all present and potential members.

—
9
Community Star Credit Union

To provide lending,savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members status as owners.

—
10
Oucu Financial Credit Union Fka Ohio University Credit Union

Provide financial services to its members.

—
11
Sound Credit Union

A member owned cooperative providing financial services, including loans and share deposits to its members.

—
12
Genfed Financial Credit Union Inc

To provide lending, savings, and other financial services to its members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members' status as owners.

—
How this is measured
The grantee most central to the portfolio’s shape is Filer Credit Union; the most unlike its peers is 4front Foundation Inc. 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

37 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. 37 of the 48 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.

0
Load-bearing (≥25% of a budget)
3
Early backer (in before they grew)
34/37
Grantees still filing
30/37
Grew since first funded

Where the money sits, by cause and then by grantee

PENGUIN RANDOM HOUSE LLC: $113,016 · OtherPENGUIN RANDOM HOUSE LLCMICHIGAN COUNCIL ON ECONOMIC EDUCATION: $94,000 · OtherMICHIGAN COUNCIL ON ECONOMIC EDUCATIONMICHIGAN CREDIT UNION LEAGUE: $78,556 · OtherMICHIGAN CREDIT UNION LEAGUETRUE COMMUNITY CREDIT UNION: $46,000 · OtherTRUE COMMUNITY CREDIT UNIONDIVERSIFIED MEMBERS CREDIT UNION: $40,000 · OtherELGA CREDIT UNION: $31,811 · OtherCREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: $30,000 · OtherALPENA ALCONA AREA CREDIT UNION: $28,500 · Other+34 more: $350,027 · Other+34 moreRICHARD MYLES JOHNSON FOUNDATION: $46,500 · EducationCREDIT UNION NATIONAL ASSOCIATION INC: $35,364 · Community Improvement4front Foundation Inc: $8,000 · Community ImprovementUNITED WAY OF NORTHERN NEW JERSEY INC: $20,000 · PhilanthropyJackson Community Foundation: $12,000 · PhilanthropyWORLDWIDE FOUNDATION FOR CREDIT UNIONS INC: $6,000 · International
Other$811,910Education$46,500Community Improvement$43,364Philanthropy$32,000International$6,000

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

25%50%75%100%$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetMICHIGAN COUNCIL ON ECONOMIC EDUCATION: $94,000 over 5y, 22% of budgetMICHIGAN CREDIT UNION LEAGUE: $78,556 over 5y, 0.7% of budgetRICHARD MYLES JOHNSON FOUNDATION: $46,500 over 4y, 2.4% of budgetTRUE COMMUNITY CREDIT UNION: $46,000 over 3y, 0.1% of budgetDIVERSIFIED MEMBERS CREDIT UNION: $40,000 over 1y, 0.2% of budgetCREDIT UNION NATIONAL ASSOCIATION INC: $35,364 over 4y, 0.0% of budgetELGA CREDIT UNION: $31,811 over 3y, 0.0% of budgetCREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: $30,000 over 3y, 0.0% of budgetALPENA ALCONA AREA CREDIT UNION: $28,500 over 2y, 0.1% of budgetNATIONAL CREDIT UNION FOUNDATION: $24,000 over 2y, 0.3% of budgetTEAM ONE CREDIT UNION: $21,500 over 2y, 0.0% of budgetUNITED WAY OF NORTHERN NEW JERSEY INC: $20,000 over 1y, 0.2% of budgetPUBLIC SERVICE CREDIT UNION: $17,500 over 2y, 0.0% of budgetLouisiana Credit Union League: $16,750 over 3y, 0.4% of budgetOMNI COMMUNITY CREDIT UNION: $15,000 over 1y, 0.1% of budget4FRONT CREDIT UNION: $14,475 over 1y, 0.0% of budgetCREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: $14,000 over 1y, 0.1% of budgetCredit Unions Chartered in the State of MI CASE Credit Union: $12,935 over 2y, 0.0% of budgetJackson Community Foundation: $12,000 over 1y, 0.5% of budgetCREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN FRANKENMUTH CREDIT UNION: $11,250 over 1y, 0.0% of budgetHONOR CREDIT UNION: $10,000 over 1y, 0.0% of budgetMICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION: $10,000 over 1y, 0.0% of budgetFREESTAR FINANCIAL CREDIT UNION: $9,000 over 1y, 0.1% of budgetPEOPLE DRIVEN CREDIT UNION: $8,725 over 1y, 0.1% of budgetSAGELINK CREDIT UNION: $7,500 over 1y, 0.1% of budgetBEST FINANCIAL CREDIT UNION: $7,000 over 1y, 0.1% of budgetWORLDWIDE FOUNDATION FOR CREDIT UNIONS INC: $6,000 over 1y, 0.1% of budgetFILER CREDIT UNION: $6,000 over 1y, 0.1% of budgetIGNITE CREDIT UNION: $5,875 over 1y, 0.1% of budgetLouisiana Central Credit Union: $5,700 over 1y, 0.6% of budgetSOO CO-OP CREDIT UNION: $5,400 over 1y, 0.0% of budgetLAFCU: $5,000 over 1y, 0.0% of budgetCalcite Credit Union: $5,000 over 1y, 0.1% of budgetCREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: $5,000 over 1y, 0.8% of budgetLAKE HURON CREDIT UNION: $5,000 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 set of overlaps that mostly run through this funder rather than between each other.

Amazonsmile Foundation
Amazonsmile FoundationWA0.5× affinity6 shared granteesties to 0 of 0Hover any node to trace its alignments.Compare side by side →

Open a dossier: Amazonsmile 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 Michigan Credit Union Foundation funds: left to right is the share of its income from government, bottom to top the share from Michigan Credit Union Foundation. Bigger dots raise more.

2024
’20’21’22’23’24
no gov · 00%2%6%14%25%funder's share of their income ↑0%13%25%38%50%share of the org’s income from government →median 3%
  • United Way of Northern New Jersey Inc: 3% of income from government
no gov moneyreceives it· size = income
0get no government money at all
3report government grants on their 990 we could not trace to a source (not plotted)
0rely on government for over half their income
⤢ axis zoomed · 0–50%
typical government reliance, FY20–24
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 48 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 2024, released 2024. 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