Centel Credit Union
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Cite this
Plain text Centel Credit Union. furp.org, nonprofit organization profile, tax years 2010–2012. https://furp.org/org/centel-credit-union-381706836. Retrieved 2026-11-15.
APA furp.org. (n.d.). Centel Credit Union [Nonprofit organization profile; tax years 2010–2012]. Retrieved November 15, 2026, from https://furp.org/org/centel-credit-union-381706836
MLA “Centel Credit Union.” furp.org, tax years 2010–2012, https://furp.org/org/centel-credit-union-381706836. Accessed 15 Nov. 2026.
Retrieved 2026-11-15; covers tax years 2010–2012. Data: furp.org (index © the FURP Alliance; the records are public domain).
2012 · Form 990 · revenue $1.1M ($1.6M in 2025 dollars) · expenses $1.1M · assets $22.1M
- EIN
- 38-1706836
- Address
- PO Box 361, Owosso, MI 48867
- Website
- www.centelcu.org
- NTEE code
- W61 Credit Unions (Public and Societal Benefit) inferred (by a small language model from the name and 990 text, confidence 0.80; not an IRS classification)
- Exempt type
- -
- Ruling date
- -
- Cross-check
- ProPublica Nonprofit Explorer
Mission
Provide financial services and products to members.
Each tax year counts once: when a return was amended, only the latest return for that period is used below (superseded returns stay listed, greyed, under Finances).
People paid by the organization
1 person paid across every filing: current people first, then by total pay from this organization. Organizations counts every nonprofit each person appears on.
| Name | Latest title | Years | Latest year pay | Total pay from here | Organizations |
|---|---|---|---|---|---|
| Angela Ruzinsky | CEO | 2010-2012 | $60,302 | $187,197 | 1 |
Officers and directors, no compensation reported
10 people listed on the returns with $0 (or no amount) in every compensation column: current people first. Hours are as filed on the latest return each person appears on.
| Name | Latest title | Years | Hrs/wk (latest) | Compensation | Organizations |
|---|---|---|---|---|---|
| Albert Newton | Director | 2011-2012 | 1 | $0 reported | 1 |
| Florence Andre | Director | 2010-2012 | 1 | $0 reported | 1 |
| Sharon Hansen | Secretary | 2011-2012 | 1 | $0 reported | 1 |
| Richard Irland | Director | 2010-2012 | 1 | $0 reported | 1 |
| Ed Brush | Director | 2010-2012 | 1 | $0 reported | 1 |
| William Brown | Director | 2010-2012 | 1 | $0 reported | 1 |
| David Mogg | Treasurer | 2010-2012 | 1 | $0 reported | 1 |
| Pam Starkweather | V. Chairperson | 2010-2012 | 1 | $0 reported | 1 |
| Marla Sprague | Chairperson | 2010-2012 | 1 | $0 reported | 1 |
| Susan Osika (former) | Director | 2010 | 1 | $0 reported | 1 |
People by year
2012 · 10 people listed · 1 paid, $60K · 20 employees · 9 volunteers
| Name | Title | Hrs/wk | From org | From related | Other | Total | Orgs |
|---|---|---|---|---|---|---|---|
| Angela Ruzinsky | CEO | 40 | $60,302 | $0 | $0 | $60,302 | 1 |
| Albert Newton | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Florence Andre | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Sharon Hansen | Secretary | 1 | $0 | $0 | $0 | $0 | 1 |
| Richard Irland | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Ed Brush | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| William Brown | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| David Mogg | Treasurer | 1 | $0 | $0 | $0 | $0 | 1 |
| Pam Starkweather | V. Chairperson | 1 | $0 | $0 | $0 | $0 | 1 |
| Marla Sprague | Chairperson | 1 | $0 | $0 | $0 | $0 | 1 |
2011 · 10 people listed · 1 paid, $64K · 21 employees · 9 volunteers
| Name | Title | Hrs/wk | From org | From related | Other | Total | Orgs |
|---|---|---|---|---|---|---|---|
| Angela Ruzinsky | CEO | 46 | $58,889 | $0 | $5,369 | $64,258 | 1 |
| Albert Newton | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Florence Andre | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Sharon Hansen | Secretary | 1 | $0 | $0 | $0 | $0 | 1 |
| Richard Irland | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Ed Brush | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| William Brown | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| David Mogg | Treasurer | 1 | $0 | $0 | $0 | $0 | 1 |
| Pam Starkweather | V. Chairperson | 1 | $0 | $0 | $0 | $0 | 1 |
| Marla Sprague | Chairperson | 1 | $0 | $0 | $0 | $0 | 1 |
2010 · 9 people listed · 1 paid, $63K · 21 employees · 9 volunteers
| Name | Title | Hrs/wk | From org | From related | Other | Total | Orgs |
|---|---|---|---|---|---|---|---|
| Angela Ruzinsky | CEO | 46 | $59,117 | $0 | $3,520 | $62,637 | 1 |
| William Brown | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Susan Osika | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Richard Irland | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Pam Starkweather | V. Chairperson | 1 | $0 | $0 | $0 | $0 | 1 |
| Marla Sprague | Chairperson | 1 | $0 | $0 | $0 | $0 | 1 |
| Florence Andre | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| Ed Brush | Director | 1 | $0 | $0 | $0 | $0 | 1 |
| David Mogg | Secretary | 1 | $0 | $0 | $0 | $0 | 1 |
Highest-paid independent contractors
No independent contractors reported.
Who gave
Contributor names are not public for this form type.
Public charities filing Form 990 or 990-EZ report large donors on Schedule B, but the IRS withholds their names and addresses from public copies. Private foundations (990-PF) are different: their contributors are public.
Finances
Newest first. Each filing: its name on one row, its figures on the row beneath. Greyed filings are superseded by a later return for the same period and are left out everywhere else on this page.
| Revenue | Expenses | Assets | Net assets | Contributions | Program revenue | Officer pay | Employees | Volunteers |
|---|---|---|---|---|---|---|---|---|
| 2012 · Form 990 | ||||||||
| $1,136,396 | $1,093,606 | $22,114,951 | $1,504,758 | $0 | $906,175 | $60,302 | 20 | 9 |
| 2011 · Form 990 | ||||||||
| $1,252,764 | $1,433,432 | $21,536,980 | $1,461,968 | $0 | $989,984 | $64,258 | 21 | 9 |
| 2010 · Form 990 | ||||||||
| $1,324,721 | $1,558,879 | $20,931,346 | $1,642,636 | $0 | $1,082,017 | $62,637 | 21 | 9 |
Funders of this organization
Not reported: no grants to this organization appear in the filings we have (tax years 2010 to 2025).
Nearby + Similar BETA
Organizations like this one: what they do and who they are linked to
Same category: NTEE code and revenue
Ranked without any AI: same NTEE code first, then the same NTEE group; then revenue within 2x, 5x or 10x; then the same state; then similar name and mission text. NTEE: the IRS’s code when it lists one, otherwise FURP’s inferred code. Same state only · More (100)
| Organization | State | NTEE | Latest revenue | Latest expenses | Top-paid title | Top pay | Why similar |
|---|---|---|---|---|---|---|---|
| Unity Credit Union | MI | W61 | $1,352,829 | $1,152,261 | Treasurer & CEO | $80,801 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| CLAWSON COMMUNITY CREDIT UNION | MI | W61 | $1,168,943 | $1,822,052 | CEO | $262,542 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| Credit Union Chartered in Michigan | MI | W61 | $687,887 | $561,704 | Int Mgr/LO | $49,500 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| Grand Rapids Family Credit Union | MI | W61 | $1,897,437 | $4,433,934 | CEO | $99,788 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| Eaton County Educational Credit Union | MI | W61 | $1,101,555 | $1,429,964 | Mgr/Sec/Treas | $86,525 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| SAGINAW COUNTY EMPLOYEES CREDIT UNION | MI | W61 | $971,960 | $742,496 | CEO | $72,770 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN | MI | W61 | $965,680 | $768,635 | CEO | $188,914 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN | MI | W61 | $599,659 | $293,982 | CEO | $53,509 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN | MI | W61 | $2,268,883 | $2,353,911 | CEO | $98,000 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| Shores Area Credit Union | MI | W61 | $771,950 | $994,742 | CEO 1/1/10 thru 10/9/10 | $57,470 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| T & I CREDIT UNION | MI | W61 | $1,005,107 | $4,041,573 | CEO, DIRECTOR | $89,632 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| Rome Credit Union | MI | W61 | $580,639 | $610,408 | CEO | $70,352 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN | MI | W61 | $1,654,037 | $1,239,763 | CEO | $165,797 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| CREDIT UNION ADVANTAGE | MI | W61 | $1,296,195 | $1,394,791 | CEO | $174,780 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| FIRST AREA CREDIT UNION | MI | W61 | $1,818,282 | $1,754,055 | CEO | $107,491 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| CHIPPEWA COUNTY CREDIT UNION | MI | W61 | $2,107,665 | $1,825,437 | CEO | $104,439 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| NORWAY COMMUNITY CREDIT UNION | MI | W61 | $572,377 | $604,402 | CEO | $60,000 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| Upper Michigan Community Credit Union | MI | W61 | $1,737,462 | $1,406,582 | CEO | $81,170 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| Credit Unions Chartered in the State of Michigan | MI | W61 | $940,053 | $853,368 | CEO | $68,818 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| Credit Unions Chartered in the State of Michigan | MI | W61 | $1,472,761 | $2,252,211 | CEO | $132,351 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| UKRAINIAN FUTURE CREDIT UNION | MI | W61 | $1,383,094 | $1,939,873 | CEO/TREASURER | $33,040 | Same NTEE code W61, revenue within 2x, same state |
| CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN | MI | W61 | $1,055,561 | $857,817 | CEO | $84,676 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| CREDIT UNIONS CHARTERED IN THE STATE OF | MI | W61 | $1,446,538 | $2,070,846 | CHAIRMAN | $0 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN | MI | W61 | $1,640,017 | $1,966,443 | President/CEO | $129,719 | Same NTEE code W61, revenue within 2x, same state, similar mission |
| Credit Unions Chartered in the State of Michigan | MI | W61 | $1,696,380 | $1,707,575 | CEO & General Manager | $118,176 | Same NTEE code W61, revenue within 2x, same state |
Who funds organizations like this
Grantors that funded the 100 most similar organizations. Ranked by total given to them. Foundations (990-PF) and donor-advised fund sponsors only. Same matching as Funders above (by EIN, or by name for foundations).
| Grantor | Total given | Grants | Organizations funded | Type | Years | Which ones |
|---|---|---|---|---|---|---|
| CAROLINAS CREDIT UNION FOUNDATION INC | $15,000 | 1 | 1 | DAF sponsor | 2021–2021 | GREENSBORO CREDIT UNION |
| ROBINSON FAMILY FOUNDATION INC | $2,900 | 1 | 1 | Private foundation | 2010–2010 | TCC CREDIT UNION |
The full list · all similar organizations
Where the money went
Every expense line on each return, biggest first: Form 990 Part IX (with its program, management and fundraising columns), 990-EZ Part I, or 990-PF Part I. Event marks lines the organization itself describes as events. “Events” in each summary adds those lines, conferences and meetings, and the direct costs of fundraising events. Unusual is not the same as improper. Many of these patterns have ordinary explanations. Check the filing.
2012 · Form 990 · $1,093,606 spent · pay $392,532 · grants $0 · events $0
| Line | As described | Total | Program | Management | Fundraising | Share |
|---|---|---|---|---|---|---|
| Other salaries and wages | $259,565 | - | - | - | 23.7% | |
| Office expenses | $128,568 | - | - | - | 11.8% | |
| Information technology | $124,024 | - | - | - | 11.3% | |
| Other (as described) | ATM Expense | $91,979 | - | - | - | 8.4% |
| Other (as described) | Loan Servicing Expenses | $72,538 | - | - | - | 6.6% |
| Pay: officers, directors, trustees, key employees | $60,302 | - | - | - | 5.5% | |
| Occupancy | $57,862 | - | - | - | 5.3% | |
| Depreciation and depletion | $44,478 | - | - | - | 4.1% | |
| Interest | $39,632 | - | - | - | 3.6% | |
| Other employee benefits | $29,838 | - | - | - | 2.7% | |
| Payroll taxes | $29,533 | - | - | - | 2.7% | |
| All other expenses | $26,584 | - | - | - | 2.4% | |
| Other (as described) | NCUA Stabilization Expense | $25,579 | - | - | - | 2.3% |
| Insurance | $23,771 | - | - | - | 2.2% | |
| Fees: accounting | $20,921 | - | - | - | 1.9% | |
| Other (as described) | Loss on Sale of Asset | $20,520 | - | - | - | 1.9% |
| Advertising and promotion | $20,333 | - | - | - | 1.9% | |
| Pension plan contributions | $13,294 | - | - | - | 1.2% | |
| Fees: legal | $4,285 | - | - | - | 0.4% | |
| Total | $1,093,606 | 100% |
2011 · Form 990 · $1,433,432 spent · pay $415,003 · grants $0 · events $0
| Line | As described | Total | Program | Management | Fundraising | Share |
|---|---|---|---|---|---|---|
| Other salaries and wages | $279,922 | - | - | - | 19.5% | |
| Other (as described) | Provision for Loan Losses | $261,198 | - | - | - | 18.2% |
| Information technology | $125,393 | - | - | - | 8.7% | |
| Other (as described) | Loan Servicing Expenses | $107,747 | - | - | - | 7.5% |
| Office expenses | $102,681 | - | - | - | 7.2% | |
| Interest | $99,534 | - | - | - | 6.9% | |
| Other (as described) | ATM Expense | $79,436 | - | - | - | 5.5% |
| Pay: officers, directors, trustees, key employees | $64,258 | - | - | - | 4.5% | |
| Depreciation and depletion | $52,975 | - | - | - | 3.7% | |
| Occupancy | $46,728 | - | - | - | 3.3% | |
| Payroll taxes | $31,668 | - | - | - | 2.2% | |
| Other (as described) | Postage and Shipping | $30,229 | - | - | - | 2.1% |
| Advertising and promotion | $25,640 | - | - | - | 1.8% | |
| Other employee benefits | $24,664 | - | - | - | 1.7% | |
| Insurance | $22,788 | - | - | - | 1.6% | |
| Fees: legal | $18,350 | - | - | - | 1.3% | |
| Fees: accounting | $16,376 | - | - | - | 1.1% | |
| Other (as described) | NCUA Stabilization Expense | $14,961 | - | - | - | 1.0% |
| Pension plan contributions | $14,491 | - | - | - | 1.0% | |
| All other expenses | $6,970 | - | - | - | 0.5% | |
| Fees: other services | $5,769 | - | - | - | 0.4% | |
| Travel | $1,654 | - | - | - | 0.1% | |
| Total | $1,433,432 | 100% |
2010 · Form 990 · $1,558,879 spent · pay $427,370 · grants $0 · events $3,219
| Line | As described | Total | Program | Management | Fundraising | Share |
|---|---|---|---|---|---|---|
| Office expenses | $333,152 | - | - | - | 21.4% | |
| Other salaries and wages | $287,942 | - | - | - | 18.5% | |
| Other (as described) | Provision for Loan Losses | $206,000 | - | - | - | 13.2% |
| Interest | $178,921 | - | - | - | 11.5% | |
| Other (as described) | NCUA Stabilization Expense | $88,696 | - | - | - | 5.7% |
| Other (as described) | Loan Servicing Expenses | $79,273 | - | - | - | 5.1% |
| Pay: officers, directors, trustees, key employees | $62,637 | - | - | - | 4.0% | |
| Depreciation and depletion | $62,227 | - | - | - | 4.0% | |
| Advertising and promotion | $60,644 | - | - | - | 3.9% | |
| Occupancy | $57,637 | - | - | - | 3.7% | |
| Payroll taxes | $31,685 | - | - | - | 2.0% | |
| Other employee benefits | $31,183 | - | - | - | 2.0% | |
| Fees: accounting | $21,648 | - | - | - | 1.4% | |
| Fees: legal | $17,933 | - | - | - | 1.2% | |
| Other (as described) | MCSD Write-down | $17,046 | - | - | - | 1.1% |
| Pension plan contributions | $13,923 | - | - | - | 0.9% | |
| Fees: other services | $3,631 | - | - | - | 0.2% | |
| Conferences, conventions and meetings | $3,219 | - | - | - | 0.2% | |
| Other (as described) | Other Operating Expenses | $1,482 | - | - | - | 0.1% |
| Total | $1,558,879 | 100% |
In the news
1 news article names this organization (June 2019); the latest 1:
- patch.com
patch.com, June 13, 2019
News article metadata and links: The GDELT Project (https://www.gdeltproject.org/). Matched by: Exact name match: "centel credit union". A shared name is not proof of the same organization; how the matching works. Most in the news.
Others with the same interests
NTEE code Credit Unions, MI first:
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN MI
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN MI
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN MI
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN MI
- SOVITA CREDIT UNION MI
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN MI
- Grand Rapids Family Credit Union MI
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN MI
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN MI
- CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN MI
Interests: Credit Unions · Public policy
The area Census
County outline, the place (blue), the tract (orange) and the ZIP center (dot).
In Census Tract 303, Shiawassee County, Michigan, place (city or town) Owosso, MI, county Shiawassee County, MI, state Michigan; placed by its ZIP code (county and tract) and city name (place). The tract is the tract holding most of the record's ZIP code (FURP does not geocode street addresses).
- Angela Ruzinsky was paid $60,302, 1.1 times the median household income in Owosso, MI ($54,229), where 17.2% of residents live in poverty.
- Revenue of $1,136,396 is $78 per resident of Owosso, MI (population 14,632).
- That revenue equals 0.33% of all household income in Owosso, MI (6,320 households at the median $54,229, about $342,727,280).
- 20 employees is 1.4 per 1,000 residents of Owosso, MI.
| Measure | Census tract Census Tract 303, Shiawassee County, Michigan | Place (city or town) Owosso, MI | County Shiawassee County, MI | State Michigan |
|---|---|---|---|---|
| Population B01003 | 5,257 | 14,632 | 67,991 | 10,077,761 |
| Population, 2020 census P1 | 5,744 | 14,714 | 68,094 | 10,077,331 |
| Median age B01002 | 45.5 | 38.9 | 43.2 | 40.2 |
| Under 18 B01001 | 21.2% | 21.0% | 20.7% | 21.2% |
| 65 and over B01001 | 22.8% | 15.7% | 19.8% | 18.6% |
| Households B11001 | 2,151 | 6,320 | 28,126 | 4,076,369 |
| Foreign born B05002 | 0.4% | 0.9% | 1.1% | 7.2% |
| Median household income B19013 | $51,721 | $54,229 | $67,404 | $72,875 |
| Median family income B19113 | $79,679 | $63,898 | $84,405 | $93,357 |
| Per capita income B19301 | $33,230 | $34,428 | $35,522 | $40,735 |
| Poverty rate B17001 | 15.1% | 17.2% | 12.0% | 13.2% |
| Unemployment rate B23025 | 2.9% | 5.5% | 4.0% | 5.7% |
| Civilian labor force B23025 | 2,533 | 7,564 | 33,465 | 5,018,449 |
| Mean commute (minutes) B08013 | 23.8 | 22.9 | 27.8 | 24.2 |
| Bachelor's degree or higher B15003 | 21.3% | 21.1% | 20.0% | 32.4% |
| Housing units B25001 | 2,317 | 6,960 | 30,354 | 4,622,236 |
| Owner-occupied B25003 | 78.3% | 68.3% | 80.1% | 73.2% |
| Renters B25003 | 21.7% | 31.7% | 19.9% | 26.8% |
| Median home value B25077 | $178,200 | $132,600 | $171,600 | $231,600 |
| Median gross rent B25064 | $877 | $784 | $899 | $1,129 |
| White, not Hispanic B03002 | 88.5% | 92.5% | 92.7% | 72.4% |
| Black B03002 | 0.9% | 0.2% | 0.4% | 13.1% |
| Hispanic or Latino B03002 | 5.9% | 3.7% | 3.2% | 5.9% |
| Asian B03002 | 0.2% | 0.3% | 0.4% | 3.4% |
| American Indian and Alaska Native B03002 | 0.0% | 0.3% | 0.1% | 0.3% |
Data: IPUMS NHGIS (ACS 2020-2024 and the 2020 census); each figure links to its table for that area at data.census.gov. Records are placed by ZIP code and city name, not street address. More: everything FURP has in Census Tract 303, Shiawassee County, Michigan.
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