Dow Credit Union

Learn about this cause: Is it Legit? Do I like the mission? What is the CEO's salary?

EIN: 380495567 ✦ Midland, MI ✦ Designated as a 501(c)(14)

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Overview

What is Dow Credit Union?

Dow Credit Union is a Michigan-based credit union with over 77,541 members, headquartered at 600 E Lyon Rd, Midland, MI, 48640. As a cooperative financial institution, Dow Credit Union offers affordable loan account services, savings, checking accounts, and electronic-based services, including ATM access and online banking. Committed to exceptional value, they provide lower loan rates, higher deposit rates, and minimal service fees. Established over 80 years ago, their mission aligns with the Michigan Credit Union Act, focusing on service, convenience, value, and security. Dow Credit Union employs approximately 209 individuals dedicated to improving their members' financial lives.


Official website here: www.dowcreditunion.org

Is Dow Credit Union legitimate?

Dow Credit Union is a legitimate nonprofit organization registered as a 501(c)(14) entity. Dow Credit Union submitted a form 990, which is a tax form used by tax-exempt organizations in the U.S., indicating its operational transparency and adherence to regulatory requirements. Donations to this organization are tax deductible.


Heare are some key statistics you may want to consider:

Executive Compensation: $4,353,143
Professional Fundraising Fees: $0
Other Salaries and Wages: $7,950,743

For more financial information, click here


Official website here: www.dowcreditunion.org

What is the mission statement of Dow Credit Union?

Dow Credit Union is a principles-driven financial cooperative that prioritizes exceptional service, convenience, value, and security for its members. Operating under the Michigan Credit Union Act, this cooperative aims to improve the financial lives of its approximately 77,541 members by providing affordable loan and savings account services, along with checking accounts and various electronic services. As a cooperative financial institution, Dow Credit Union is dedicated to delivering outstanding member value and offering competitive loan rates, higher deposit rates, and minimal service fees. With a commitment spanning over 80 years, the union has been serving its members with dedication and reliability.


Official website here: www.dowcreditunion.org

Who is the CEO of Dow Credit Union?

Michael G Goad is the Principal Officer of Dow Credit Union. The CEO's salary of Dow Credit Union is $125,378 and their total compensation is $154,513.


Official website here: www.dowcreditunion.org

What is the revenue of Dow Credit Union?

Dow Credit Union's revenue in 2022 was $64,943,643.


Official website here: www.dowcreditunion.org

Who are the executives of Dow Credit Union and what are their salaries?

The average compensation at Dow Credit Union during 2022 was $58,870. There are 209 employees and 8 volunteers at Dow Credit Union.


Here are 23 key members and their salaries (Dow Credit Union's CEO's salary is $125,378 and their total compensation is $154,513):


Perry Holmon (Board Chairman)
  • Compensation: $0
  • Related: $0
  • Other: $0
Lisa Mckenney (Board Vice Chairman)
  • Compensation: $0
  • Related: $0
  • Other: $0
Shandell Massey (Secretary/Treasurer)
  • Compensation: $0
  • Related: $0
  • Other: $0
Mark Bachman (Board Member)
  • Compensation: $0
  • Related: $0
  • Other: $0
Lisa Bryant (Board Member)
  • Compensation: $0
  • Related: $0
  • Other: $0
Mark Fenske (Board Member)
  • Compensation: $0
  • Related: $0
  • Other: $0
Mike Kapp (Board Member)
  • Compensation: $0
  • Related: $0
  • Other: $0
Gary Mcguire (Board Member)
  • Compensation: $0
  • Related: $0
  • Other: $0
Michael Goad (Chief Executive Officer)
  • Compensation: $646,240
  • Related: $0
  • Other: $48,616
Sanjay Ahluwalia (Chief Financial Officer)
  • Compensation: $273,034
  • Related: $0
  • Other: $38,199
Arthur Peters (Chief Operating Officer)
  • Compensation: $1,574,358
  • Related: $0
  • Other: $45,179
Mark Gandy (Senior Director Of Risk/Compliance)
  • Compensation: $275,158
  • Related: $0
  • Other: $23,680
Sheila Wright (Senior Director Of Hr)
  • Compensation: $250,182
  • Related: $0
  • Other: $35,076
John Costello (Senior Director Of Lending)
  • Compensation: $267,455
  • Related: $0
  • Other: $32,615
Elton Brooks (Vp Of Retail)
  • Compensation: $256,074
  • Related: $0
  • Other: $22,510
Lisa Gray (Director Of Risk & Regulatory Affairs)
  • Compensation: $164,866
  • Related: $0
  • Other: $28,562
Norman M Zureich (Director Of It)
  • Compensation: $163,409
  • Related: $0
  • Other: $20,630
Alison Taylor (Controller)
  • Compensation: $155,228
  • Related: $0
  • Other: $32,074
Kristina Brozzo (Mortgage Sales Manager)
  • Compensation: $123,819
  • Related: $0
  • Other: $29,107
Susan Phillips (Sr Executive Assistant - Ceo)
  • Compensation: $125,378
  • Related: $0
  • Other: $29,135
Robert Samborn (It Infrastructure Manager)
  • Compensation: $121,477
  • Related: $0
  • Other: $29,251
Lashanta Green (Director Of Marketing And Community Relations)
  • Compensation: $136,640
  • Related: $0
  • Other: $15,238
Angie Hillier (Mortgage Operations Manager)
  • Compensation: $121,937
  • Related: $0
  • Other: $29,014


Official website here: www.dowcreditunion.org

Where can I find the form 990 for Dow Credit Union?

Dow Credit Union's most recent form 990 was submitted in 2022 and can be accessed here.


Official website here: www.dowcreditunion.org

Learn more at the official website: www.dowcreditunion.org

Mission Statement of Dow Credit Union

Dow Credit Union, a Michigan state-chartered financial cooperative, has been committed to exceptional service, convenience, value, and security for its approximately 77,541 members for over 80 years. Operating in accordance with the Michigan Credit Union Act, this principles-based institution provides a range of affordable loan account services, savings, checking accounts, and various electronic based services including ATM access and online banking.

At the heart of Dow Credit Union's mission is a dedication to providing outstanding member value. The cooperative strives to improve the financial lives of its members by offering lower rates on loans, higher rates on deposits, and charging very few or low service fees. As a cooperative financial institution, Dow Credit Union is committed to providing services and solutions tailored to meet the unique needs of its members.

Dow Credit Union's unwavering focus on its members is reflected in its long-standing history of exceptional service. With a commitment to convenience, the cooperative offers various electronic services that allow members to easily manage their accounts from the comfort of their own homes. The cooperative's member-centric approach extends beyond its services, as it continually seeks to provide value-added benefits and solutions that help members achieve their financial goals.

By prioritizing its members and their financial wellbeing, Dow Credit Union has built a strong reputation as a trusted financial partner. Its commitment to exceptional service, convenience, value, and security has made it an invaluable resource for the communities it serves. Whether members are looking to secure a loan, save for the future, or manage their daily finances, Dow Credit Union is dedicated to helping them every step of the way.

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Impact




October, 2024

Dow Credit Union plays a vital role in the financial well-being of its community by providing accessible and affordable financial services to approximately 77,541 members. By offering lower rates on loans and higher rates on deposits, the credit union enhances its members' financial lives, making it easier for them to achieve their financial goals.

Located in Midland, Michigan, Dow Credit Union prioritizes exceptional service and security while ensuring convenience through various electronic services, including online banking and ATM access. This commitment to outstanding member value is evidenced by its low fees and a focus on personalized assistance.

With over 80 years of service, Dow Credit Union not only strengthens individual members' financial positions but also contributes to the economic stability of the broader community. By operating as a financial cooperative, it aligns its success with the success of its members, fostering an environment where everyone can thrive together.




This information is meant to be a general summary of Dow Credit Union. Please take the time to review official sources before making any decisions based upon the content provided here.


Financials

This financial information is from Propublica.

Revenue
$64,943,643 (2022)
Expenses
$52,576,897 (2022)
Efficiency

Other financial information:

This information is from the most recently submitted tax form from this organization, which was in 2022.

  • Investment Income: $18,529,871
  • Program Service Revenue: $46,413,772
  • Gross Receipts: $156,195,716

Assets and Liabilities:

  • Total Assets: $2,121,264,280
  • Total Liabilities: $1,970,508,155
  • Net Assets: $150,756,125

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Programs

Programs are reported by nonprofits in their tax forms and are normally their tax-exempt activities.

INCOME ON MEMBER LOANS

Revenue

$35,197,549

FEES AND CHARGES

Revenue

$10,775,982

FINANCE AND INSURANCE

Revenue

$440,241

Organization Details

Founding Year

1937

Principal Officer

Michael G Goad

Main Address

600 E LYON RD, MIDLAND, MI, 48640

NTEE Category

Code: W60 - Public benefit

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