Check before you give

Credit Unions Chartered in the State of Michigan

EIN 38-1629793 · Clinton Twp, MI

Public records raise at least one point you should look into before giving.

What it says it does

WE ARE A CARING ORGANIZATION DEDICATED TO PROMOTING FINANCIAL SUCCESS FOR OUR MEMBERS.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

This return does not answer enough of the governance questions to score.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (3)

WITH 24 OFFICES LOCATED THROUGHOUT MACOMB, OAKLAND, WAYNE AND WASHTENAW COUNTIES, PROVIDING FULL ONLINE BANKING AND MOBILE SERVICES, WITH $4.3 BILLION IN ASSETS, $3.7 BILLION IN LOANS, AND A STAFF OF 470 EMPLOYEES, MSGCU IS A VALUED RESOURCE FOR FINANCIAL WELLBEING FOR BOTH CONSUMERS AND BUSINESSES. AT THE END OF 2025, THE CONSUMER LENDING PORTION OF THE PORTFOLIO WAS JUST OVER $1.4 BILLION, THE MORTGAGE PORTFOLIO WAS JUST OVER $1.9 BILLION, AND THE BUSINESS LOAN PORTFOLIO WAS $386 MILLION. MEMBER SHARES TOTALED APPROXIMATELY $3.5 BILLION.
THE CREDIT UNION MAINTAINED ITS SCHOLARSHIP INITIATIVES BY CONTRIBUTING OVER $135,000 TO MEMBERS OF THE COMMUNITIES IN SOUTHEAST MICHIGAN. MSGCU AWARDED $107,500 THROUGH 43 SCHOLARSHIPS TO HIGH SCHOOL SENIORS HEADING TO COLLEGE, ASPIRING SKILLED TRADESPERSONS SEEKING CERTIFICATION, AND CURRENT TEACHERS AND SCHOOL ADMINISTRATORS PURSUING CONTINUING EDUCATION. ADDITIONALLY, MSGCU DONATED $28,000 TO FIRST RESPONDERS GRADUATING FROM THE FIRE AND POLICE ACADEMIES AT MACOMB COMMUNITY COLLEGE, OAKLAND COMMUNITY COLLEGE, WAYNE COMMUNITY COLLEGE, AND SCHOOLCRAFT COLLEGE.
THE CREDIT UNION GAVE BACK TO OUR COMMUNITIES, TO LOCAL EDUCATORS AND SCHOOLS AS WELL AS NONPROFITS AND COMMUNITY ORGANIZATIONS. MSGCU'S CLASSROOM CASH GRANT PROGRAM PROVIDES FUNDS TO TEACHERS TO BE USED FOR OTHERWISE UNFUNDED INNOVATIVE CLASSROOM PROJECTS. IN 2025, MSGCU AWARDED 70 GRANTS TOTALING MORE THAN $52,000 TO LOCAL EDUCATORS TO BE USED DURING THE 2025/2026 SCHOOL YEAR.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(14) credit union.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated November 6, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(14) credit union as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since October 1956.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated November 4, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.