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Employer Identification Number 38-0495567

DOW CREDIT UNION is a USA domiciled entity or foreign entity operating in the USA. The EIN ihas been issued by the IRS

Company Name:DOW CREDIT UNION
Employer identification number (EIN):38-0495567
EIN Issuing AuthorityCincinnati, OH
NAIC Classification:522130
NAIC Description:Credit Unions
401k Pension/Benefits registration DOW CREDIT UNION 401k plan information
Federal tax statusExempt from federal income tax. Registered as a non-profit under 501(c)(3) Title 26 of the United States Code

Organization Overview

Mission StatementDOW CHEMICAL EMPLOYEES' CREDIT UNION IS A PRINCIPLES-BASED FINANCIAL COOPERATIVE COMMITTED TO EXCEPTIONAL SERVICE, CONVENIENCE, VALUE AND SECURITY OPERATING IN ACCORDANCE WITH THE MICHIGAN CREDIT UNION ACT.
Number of Employees180
Number of Volunteers15
Year Formed1937

Organization Governance

Legal DomicileMI
Voting Members - Governing Body8
Voting Members - Independent8

Organization Financials

2023-12-31
Total unrelated business incomeUSD $ 568,883
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 46,413,772
Program Service Revenue from current yearUSD $ 56,860,299
Investment Income from prior yearUSD $ 18,529,871
Investment Income from current yearUSD $ 32,568,898
Other Revenue from prior yearUSD $ 0
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 167,620,963
Net assets / fund balances at end of fiscal yearUSD $ 176,031,890
Net assets / fund balances at beginning of fiscal yearUSD $ 150,756,125
Total liabilities at end of fiscal yearUSD $ 2,025,165,068
Total liabilities at beginning of fiscal yearUSD $ 1,970,508,155
Total assets at end of fiscal yearUSD $ 2,201,196,958
Total assets at beginning of fiscal yearUSD $ 2,121,264,280
Revenues less expenses for current yearUSD $ 863,948
Revenues less expenses for previous yearUSD $ 12,366,746
Total expenses for current yearUSD $ 88,565,249
Total expenses for previous yearUSD $ 52,576,897
Other expenses in current yearUSD $ 71,774,853
Other expenses in previous yearUSD $ 36,440,427
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 16,790,396
Employee salary and benefits paid in previous yearUSD $ 16,136,470
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 89,429,197
Total revenue in previous fiscal yearUSD $ 64,943,643
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
2022-12-31
Total unrelated business incomeUSD $ 440,241
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 42,887,003
Program Service Revenue from current yearUSD $ 46,413,772
Investment Income from prior yearUSD $ 13,228,393
Investment Income from current yearUSD $ 18,529,871
Other Revenue from prior yearUSD $ 0
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 156,195,716
Net assets / fund balances at end of fiscal yearUSD $ 150,756,125
Net assets / fund balances at beginning of fiscal yearUSD $ 220,296,928
Total liabilities at end of fiscal yearUSD $ 1,970,508,155
Total liabilities at beginning of fiscal yearUSD $ 1,939,653,614
Total assets at end of fiscal yearUSD $ 2,121,264,280
Total assets at beginning of fiscal yearUSD $ 2,159,950,542
Revenues less expenses for current yearUSD $ 12,366,746
Revenues less expenses for previous yearUSD $ 13,425,468
Total expenses for current yearUSD $ 52,576,897
Total expenses for previous yearUSD $ 42,689,928
Other expenses in current yearUSD $ 36,440,427
Other expenses in previous yearUSD $ 28,681,558
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 16,136,470
Employee salary and benefits paid in previous yearUSD $ 14,008,370
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 64,943,643
Total revenue in previous fiscal yearUSD $ 56,115,396
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
2021-12-31
Total unrelated business incomeUSD $ 395,595
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 42,576,071
Program Service Revenue from current yearUSD $ 42,887,003
Investment Income from prior yearUSD $ 17,324,488
Investment Income from current yearUSD $ 13,228,393
Other Revenue from prior yearUSD $ 0
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 162,116,851
Net assets / fund balances at end of fiscal yearUSD $ 220,296,928
Net assets / fund balances at beginning of fiscal yearUSD $ 220,299,894
Total liabilities at end of fiscal yearUSD $ 1,939,653,614
Total liabilities at beginning of fiscal yearUSD $ 1,782,599,587
Total assets at end of fiscal yearUSD $ 2,159,950,542
Total assets at beginning of fiscal yearUSD $ 2,002,899,481
Revenues less expenses for current yearUSD $ 13,425,468
Revenues less expenses for previous yearUSD $ 6,895,652
Total expenses for current yearUSD $ 42,689,928
Total expenses for previous yearUSD $ 53,004,907
Other expenses in current yearUSD $ 28,681,558
Other expenses in previous yearUSD $ 38,832,729
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 14,008,370
Employee salary and benefits paid in previous yearUSD $ 14,172,178
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 56,115,396
Total revenue in previous fiscal yearUSD $ 59,900,559
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
2020-12-31
Total unrelated business incomeUSD $ 730,028
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 45,018,812
Program Service Revenue from current yearUSD $ 42,576,071
Investment Income from prior yearUSD $ 15,762,229
Investment Income from current yearUSD $ 17,324,488
Other Revenue from prior yearUSD $ 785,767
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 171,053,230
Net assets / fund balances at end of fiscal yearUSD $ 220,299,894
Net assets / fund balances at beginning of fiscal yearUSD $ 192,616,083
Total liabilities at end of fiscal yearUSD $ 1,782,599,587
Total liabilities at beginning of fiscal yearUSD $ 1,574,373,552
Total assets at end of fiscal yearUSD $ 2,002,899,481
Total assets at beginning of fiscal yearUSD $ 1,766,989,635
Revenues less expenses for current yearUSD $ 6,895,652
Revenues less expenses for previous yearUSD $ 8,672,939
Total expenses for current yearUSD $ 53,004,907
Total expenses for previous yearUSD $ 52,893,869
Other expenses in current yearUSD $ 38,832,729
Other expenses in previous yearUSD $ 39,848,261
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 14,172,178
Employee salary and benefits paid in previous yearUSD $ 13,045,608
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 59,900,559
Total revenue in previous fiscal yearUSD $ 61,566,808
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
2019-12-31
Total unrelated business incomeUSD $ 785,767
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 33,835,134
Program Service Revenue from current yearUSD $ 45,018,812
Investment Income from prior yearUSD $ 15,841,694
Investment Income from current yearUSD $ 15,762,229
Other Revenue from prior yearUSD $ 908,536
Other Revenue from current yearUSD $ 785,767
Gross receipts from all sourcesUSD $ 169,241,435
Net assets / fund balances at end of fiscal yearUSD $ 192,616,083
Net assets / fund balances at beginning of fiscal yearUSD $ 170,436,408
Total liabilities at end of fiscal yearUSD $ 1,574,373,552
Total liabilities at beginning of fiscal yearUSD $ 1,457,927,510
Total assets at end of fiscal yearUSD $ 1,766,989,635
Total assets at beginning of fiscal yearUSD $ 1,628,363,918
Revenues less expenses for current yearUSD $ 8,672,939
Revenues less expenses for previous yearUSD $ 6,050,971
Total expenses for current yearUSD $ 52,893,869
Total expenses for previous yearUSD $ 44,534,393
Other expenses in current yearUSD $ 39,848,261
Other expenses in previous yearUSD $ 31,871,109
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 13,045,608
Employee salary and benefits paid in previous yearUSD $ 12,663,284
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 61,566,808
Total revenue in previous fiscal yearUSD $ 50,585,364
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 785,767
2018-12-31
Total unrelated business incomeUSD $ 908,536
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 25,419,612
Program Service Revenue from current yearUSD $ 33,835,134
Investment Income from prior yearUSD $ 12,104,462
Investment Income from current yearUSD $ 15,841,694
Other Revenue from prior yearUSD $ 1,000,662
Other Revenue from current yearUSD $ 908,536
Gross receipts from all sourcesUSD $ 50,792,364
Net assets / fund balances at end of fiscal yearUSD $ 170,436,408
Net assets / fund balances at beginning of fiscal yearUSD $ 170,494,267
Total liabilities at end of fiscal yearUSD $ 1,457,927,510
Total liabilities at beginning of fiscal yearUSD $ 1,467,766,188
Total assets at end of fiscal yearUSD $ 1,628,363,918
Total assets at beginning of fiscal yearUSD $ 1,638,260,455
Revenues less expenses for current yearUSD $ 6,050,971
Revenues less expenses for previous yearUSD $ 1,313,666
Total expenses for current yearUSD $ 44,534,393
Total expenses for previous yearUSD $ 37,211,070
Other expenses in current yearUSD $ 31,871,109
Other expenses in previous yearUSD $ 25,730,388
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 12,663,284
Employee salary and benefits paid in previous yearUSD $ 11,480,682
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 50,585,364
Total revenue in previous fiscal yearUSD $ 38,524,736
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 908,536
2017-12-31
Total unrelated business incomeUSD $ 1,000,662
Net unrelated business incomeUSD $ -82,508
Program Service Revenue from prior yearUSD $ 22,685,172
Program Service Revenue from current yearUSD $ 25,419,612
Investment Income from prior yearUSD $ 10,698,923
Investment Income from current yearUSD $ 12,104,462
Other Revenue from prior yearUSD $ 983,797
Other Revenue from current yearUSD $ 1,000,662
Gross receipts from all sourcesUSD $ 230,702,677
Net assets / fund balances at end of fiscal yearUSD $ 170,494,267
Net assets / fund balances at beginning of fiscal yearUSD $ 164,318,279
Total liabilities at end of fiscal yearUSD $ 1,467,766,188
Total liabilities at beginning of fiscal yearUSD $ 1,364,412,308
Total assets at end of fiscal yearUSD $ 1,638,260,455
Total assets at beginning of fiscal yearUSD $ 1,528,730,587
Revenues less expenses for current yearUSD $ 1,313,666
Revenues less expenses for previous yearUSD $ 565,863
Total expenses for current yearUSD $ 37,211,070
Total expenses for previous yearUSD $ 33,802,029
Other expenses in current yearUSD $ 25,730,388
Other expenses in previous yearUSD $ 22,654,245
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 11,480,682
Employee salary and benefits paid in previous yearUSD $ 11,147,784
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 38,524,736
Total revenue in previous fiscal yearUSD $ 34,367,892
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 1,000,662
2016-12-31
Total unrelated business incomeUSD $ 983,797
Net unrelated business incomeUSD $ -29,854
Program Service Revenue from prior yearUSD $ 21,053,304
Program Service Revenue from current yearUSD $ 22,685,172
Investment Income from prior yearUSD $ 10,310,301
Investment Income from current yearUSD $ 10,698,923
Other Revenue from prior yearUSD $ 1,180,786
Other Revenue from current yearUSD $ 983,797
Gross receipts from all sourcesUSD $ 112,158,946
Net assets / fund balances at end of fiscal yearUSD $ 164,318,279
Net assets / fund balances at beginning of fiscal yearUSD $ 164,234,730
Total liabilities at end of fiscal yearUSD $ 1,364,412,308
Total liabilities at beginning of fiscal yearUSD $ 1,300,872,175
Total assets at end of fiscal yearUSD $ 1,528,730,587
Total assets at beginning of fiscal yearUSD $ 1,465,106,905
Revenues less expenses for current yearUSD $ 565,863
Revenues less expenses for previous yearUSD $ 672,919
Total expenses for current yearUSD $ 33,802,029
Total expenses for previous yearUSD $ 31,871,472
Other expenses in current yearUSD $ 22,654,245
Other expenses in previous yearUSD $ 21,472,803
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 11,147,784
Employee salary and benefits paid in previous yearUSD $ 10,398,669
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 34,367,892
Total revenue in previous fiscal yearUSD $ 32,544,391
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 983,797
2015-12-31
Total unrelated business incomeUSD $ 922,837
Net unrelated business incomeUSD $ -245,023
Program Service Revenue from prior yearUSD $ 20,012,030
Program Service Revenue from current yearUSD $ 21,053,304
Investment Income from prior yearUSD $ 11,355,693
Investment Income from current yearUSD $ 10,310,301
Other Revenue from prior yearUSD $ 945,279
Other Revenue from current yearUSD $ 1,180,786
Gross receipts from all sourcesUSD $ 123,788,063
Net assets / fund balances at end of fiscal yearUSD $ 164,234,730
Net assets / fund balances at beginning of fiscal yearUSD $ 168,691,960
Total liabilities at end of fiscal yearUSD $ 1,300,872,175
Total liabilities at beginning of fiscal yearUSD $ 1,254,496,438
Total assets at end of fiscal yearUSD $ 1,465,106,905
Total assets at beginning of fiscal yearUSD $ 1,423,188,398
Revenues less expenses for current yearUSD $ 672,919
Revenues less expenses for previous yearUSD $ 1,872,270
Total expenses for current yearUSD $ 31,871,472
Total expenses for previous yearUSD $ 30,440,732
Other expenses in current yearUSD $ 21,472,803
Other expenses in previous yearUSD $ 20,461,411
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 10,398,669
Employee salary and benefits paid in previous yearUSD $ 9,979,321
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 32,544,391
Total revenue in previous fiscal yearUSD $ 32,313,002
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 1,180,786
2014-12-31
Total unrelated business incomeUSD $ 945,279
Net unrelated business incomeUSD $ -94,729
Program Service Revenue from prior yearUSD $ 21,274,294
Program Service Revenue from current yearUSD $ 20,012,030
Investment Income from prior yearUSD $ 13,127,870
Investment Income from current yearUSD $ 11,355,693
Other Revenue from prior yearUSD $ 926,548
Other Revenue from current yearUSD $ 945,279
Gross receipts from all sourcesUSD $ 279,742,788
Net assets / fund balances at end of fiscal yearUSD $ 168,691,960
Net assets / fund balances at beginning of fiscal yearUSD $ 164,351,019
Total liabilities at end of fiscal yearUSD $ 1,254,496,438
Total liabilities at beginning of fiscal yearUSD $ 1,237,697,448
Total assets at end of fiscal yearUSD $ 1,423,188,398
Total assets at beginning of fiscal yearUSD $ 1,402,048,467
Revenues less expenses for current yearUSD $ 1,872,270
Revenues less expenses for previous yearUSD $ 3,565,187
Total expenses for current yearUSD $ 30,440,732
Total expenses for previous yearUSD $ 31,763,525
Other expenses in current yearUSD $ 20,461,411
Other expenses in previous yearUSD $ 22,169,230
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 9,979,321
Employee salary and benefits paid in previous yearUSD $ 9,594,295
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 32,313,002
Total revenue in previous fiscal yearUSD $ 35,328,712
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 945,279

Other Company Names associated with EIN

DOW CREDIT UNION

Organization Addresses

The following addresses have been detected as associated with Tax Indentification Number 380495567

USA Mailing Address
600 E. LYON ROAD
MIDLAND
MI
48640
Date first seen: 2007-01-01
Date last seen: 2026-02-24
USA Mailing Address
600 E. LYON RD
MIDLAND
MI
484608396
Date first seen: 2015-07-14
Date last seen: 2018-07-30
USA Mailing Address
PO BOX 1649
MIDLAND
MI
486411649
Date first seen: 2010-06-28
Date last seen: 2014-04-25
USA Location Address
600 E LYON RD
MIDLAND
MI
486405396
Date first seen: 2010-06-28
Date last seen: 2014-04-25
USA Mailing Address
P.O. BOX 1649
600 EAST LYON
MIDLAND
MI
486401649
Date first seen: 2010-05-24
Date last seen: 2012-06-06
USA Location Address
P.O. BOX 1649
600 EAST LYON
MIDLAND
MI
486401649
Date first seen: 2010-05-24
Date last seen: 2011-07-05

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The following companies are located in the same ZIP code areas:

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