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Nonprofiteer
← CREDIT UNIONS IN STATE OF ARIZONA

Form 990 for tax year 2025

Filed by CREDIT UNIONS IN STATE OF ARIZONA.

Totals

Total revenue
$103,382,982
Total expenses
$91,965,895
Contributions and grants received
$0
Grants paid
$232,000
Program service revenue
$96,240,719
Investment income
$6,763,023
Other revenue
$379,240
Total assets, end of year
$1,417,150,679
Total liabilities, end of year
$1,274,536,722
Net assets or fund balances, end of year
$142,613,957
Program services expenses (Part IX)
not reported
Management and general expenses
not reported
Fundraising expenses
not reported
Program service expenses (Part III)
not reported

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 2a · Program service revenue: LOANS TO MEMBERS

    total $80,653,058 · related or exempt $80,653,058

  • 2b · Program service revenue: FEES/CHARGES/OTHER

    total $15,300,123 · related or exempt $15,300,123

  • 2c · Program service revenue: FINANCE AND INSURANCE

    total $283,476 · unrelated business $283,476

  • 2d · Program service revenue: NON-MEMBER NOTARY FEE

    total $4,062 · unrelated business $4,062

  • 3 · Investment income

    total $6,690,748 · excluded $6,690,748

  • 6a · Gross rents

    real property $433,315

  • 6b · Less rental expenses

    real property $54,075

  • 6c · Rental income or loss

    real property $379,240

  • 6d · Net rental income or loss

    total $379,240 · excluded $379,240

  • 7a · Gross sales of assets other than inventory

    securities $9,433,204

  • 7b · Less cost or other basis and sales expenses

    securities $9,360,929

  • 7c · Gain or loss

    securities $72,275

  • 7d · Net gain or loss

    total $72,275 · related or exempt $72,275

Functional expenses

Part IX, the statement of functional expenses.

  • 1 · Grants to domestic organizations and governments

    total $100,000

  • 2 · Grants to domestic individuals

    total $132,000

  • 5 · Compensation of officers, directors and key employees

    total $4,425,293

  • 7 · Other salaries and wages

    total $17,369,059

  • 8 · Pension plan contributions

    total $1,461,678

  • 9 · Other employee benefits

    total $2,281,405

  • 10 · Payroll taxes

    total $1,559,380

  • 11b · Fees: legal

    total $243,134

  • 11c · Fees: accounting

    total $366,559

  • 11g · Fees: other

    total $4,253,413

  • 12 · Advertising and promotion

    total $1,869,613

  • 13 · Office expenses

    total $2,821,674

  • 14 · Information technology

    total $2,374,815

  • 16 · Occupancy

    total $1,044,311

  • 17 · Travel

    total $340,865

  • 19 · Conferences, conventions and meetings

    total $182,409

  • 20 · Interest

    total $28,529,839

  • 21 · Payments to affiliates

    total $203,462

  • 22 · Depreciation, depletion and amortization

    total $1,903,435

  • 23 · Insurance

    total $188,204

  • 24a · Other expenses: PROVISION FOR LOAN LOSS

    total $13,280,098

  • 24b · Other expenses: LOAN SERVICING

    total $5,712,016

  • 24c · Other expenses: MAINTENANCE

    total $964,671

  • 24d · Other expenses: ATM EXPENSES

    total $341,239

  • 24e · All other expenses

    total $17,323

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $5,438,556 · end of year $5,386,835

  • 2 · Savings and temporary cash investments

    beginning of year $86,680,551 · end of year $108,811,856

  • 4 · Accounts receivable

    beginning of year $1,541,505 · end of year $3,673,355

  • 5 · Loans and receivables from officers and key people

    beginning of year $1,600,000 · end of year $6,211,767

  • 7 · Other notes and loans receivable

    beginning of year $1,029,630,340 · end of year $1,105,091,811

  • 9 · Prepaid expenses and deferred charges

    beginning of year $2,639,601 · end of year $2,664,346

  • 10a · Land, buildings and equipment: cost or other basis

    $46,010,993

  • 10b · Land, buildings and equipment: accumulated depreciation

    $15,655,110

  • 10c · Land, buildings and equipment, net

    beginning of year $29,940,615 · end of year $30,355,883

  • 11 · Investments: publicly traded securities

    beginning of year $98,081,886 · end of year $108,211,115

  • 12 · Investments: other securities

    beginning of year $4,397,181 · end of year $3,506,700

  • 15 · Other assets

    beginning of year $39,562,062 · end of year $43,237,011

  • 17 · Accounts payable and accrued expenses

    beginning of year $25,324,709 · end of year $24,717,030

  • 25 · Other liabilities

    beginning of year $1,146,491,395 · end of year $1,249,819,692

  • 29 · Capital stock, trust principal or current funds

    beginning of year $0 · end of year $0

  • 30 · Paid-in or capital surplus, or land, building or equipment fund

    beginning of year $0 · end of year $0

  • 31 · Retained earnings, endowment or other funds

    beginning of year $127,696,193 · end of year $142,613,957

Mission and programs · 2025

Mission

TO INSPIRE OUR MEMBERS, EMPLOYEES AND COMMUNITIES TO ACHIEVE THEIR FINANCIAL GOALS AND ENHANCE THEIR QUALITY OF LIFE.

Activities or mission (Part I)

FINANCIAL COOPERATIVE TO PROVIDE LOANS AND FINANCIAL SERVICES TO CREDIT UNION MEMBERS.

  • FINANCIAL COOPERATIVE TO PROVIDE LOANS AND FINANCIAL SERVICES TO CREDIT UNION MEMBERS.

As filed on the 2025 return.

Listed in Part VII

  • LARBERG GARY

    CHAIRPERSON

    Total calculated
    $20,000
    From this org
    $20,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • JACKSON DON

    V. CHAIRPERSON

    Total calculated
    $15,000
    From this org
    $15,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • GENDREAU LUIS

    DIRECTOR

    Total calculated
    $12,500
    From this org
    $12,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • HOBSON CAROL

    DIRECTOR

    Total calculated
    $12,500
    From this org
    $12,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • LAGUNA FRANCES

    DIRECTOR

    Total calculated
    $12,500
    From this org
    $12,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • OLIVER SR JERRY

    DIRECTOR

    Total calculated
    $12,500
    From this org
    $12,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • TYUS WANDA

    DIRECTOR

    Total calculated
    $12,500
    From this org
    $12,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • FORD JONATHON

    DIRECTOR

    Total calculated
    $12,500
    From this org
    $12,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • ROCH KAREN

    CEO/PRESIDENT

    Total calculated
    $867,105
    From this org
    $820,805
    From related orgs
    $0
    Other
    $46,300
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $621,406
    Bonus
    $182,822
    Other
    $16,577
    Deferred
    $38,000
    Nontaxable benefits
    $8,300
    Filer's total
    $867,105

  • DUONG NING

    EVP-COO

    Total calculated
    $516,287
    From this org
    $478,287
    From related orgs
    $0
    Other
    $38,000
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $374,263
    Bonus
    $80,784
    Other
    $23,240
    Deferred
    $38,000
    Nontaxable benefits
    $0
    Filer's total
    $516,287

  • BIRR ROBERT

    VP-CHIEF LENDING OFFICER

    Total calculated
    $450,370
    From this org
    $350,047
    From related orgs
    $0
    Other
    $100,323
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $258,326
    Bonus
    $60,274
    Other
    $31,447
    Deferred
    $95,173
    Nontaxable benefits
    $5,150
    Filer's total
    $450,370

  • POLDOSKI KELLY

    CHIEF FINANCIAL OFFICER

    Total calculated
    $433,917
    From this org
    $393,954
    From related orgs
    $0
    Other
    $39,963
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $317,888
    Bonus
    $65,094
    Other
    $10,972
    Deferred
    $31,413
    Nontaxable benefits
    $8,550
    Filer's total
    $433,917

  • CHRISTENSEN BEN D

    CHIEF INFORMATION OFFICER

    Total calculated
    $369,322
    From this org
    $337,058
    From related orgs
    $0
    Other
    $32,264
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $269,172
    Bonus
    $56,969
    Other
    $10,917
    Deferred
    $32,264
    Nontaxable benefits
    $0
    Filer's total
    $369,322

  • O'CONNOR RYAN SEAN

    VP- MARKETING & COMMUNICAT

    Total calculated
    $306,891
    From this org
    $267,269
    From related orgs
    $0
    Other
    $39,622
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $217,038
    Bonus
    $40,690
    Other
    $9,541
    Deferred
    $39,622
    Nontaxable benefits
    $0
    Filer's total
    $306,891

  • GREEN DANIELLE

    VP- RETAIL DELIVERY

    Total calculated
    $289,324
    From this org
    $243,722
    From related orgs
    $0
    Other
    $45,602
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $207,111
    Bonus
    $35,421
    Other
    $1,190
    Deferred
    $42,502
    Nontaxable benefits
    $3,100
    Filer's total
    $289,324

  • CRUZ DIANA

    VP- LOSS PREVENTION

    Total calculated
    $280,679
    From this org
    $229,104
    From related orgs
    $0
    Other
    $51,575
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $189,389
    Bonus
    $38,403
    Other
    $1,312
    Deferred
    $42,975
    Nontaxable benefits
    $8,600
    Filer's total
    $280,679

  • BURT JAIME

    VP- ADMINISTRATION

    Total calculated
    $280,621
    From this org
    $242,645
    From related orgs
    $0
    Other
    $37,976
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $208,875
    Bonus
    $32,670
    Other
    $1,100
    Deferred
    $33,513
    Nontaxable benefits
    $4,463
    Filer's total
    $280,621

  • BAKER SETH R

    VP-IT

    Total calculated
    $271,623
    From this org
    $231,549
    From related orgs
    $0
    Other
    $40,074
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $191,771
    Bonus
    $38,255
    Other
    $1,523
    Deferred
    $37,554
    Nontaxable benefits
    $2,520
    Filer's total
    $271,623

  • RUIZ MANNY

    VP- BUSINESS SERVICES

    Total calculated
    $249,154
    From this org
    $217,437
    From related orgs
    $0
    Other
    $31,717
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $186,967
    Bonus
    $29,870
    Other
    $600
    Deferred
    $27,417
    Nontaxable benefits
    $4,300
    Filer's total
    $249,154

  • WADE ROBERT

    INVESTMENT ADVISOR

    Total calculated
    $223,072
    From this org
    $193,669
    From related orgs
    $0
    Other
    $29,403
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $52,053
    Bonus
    $140,716
    Other
    $900
    Deferred
    $19,853
    Nontaxable benefits
    $9,550
    Filer's total
    $223,072

  • FIELDSON NICHOLAS

    INVESTMENT ADVISOR

    Total calculated
    $210,145
    From this org
    $191,227
    From related orgs
    $0
    Other
    $18,918
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $61,770
    Bonus
    $129,107
    Other
    $350
    Deferred
    $18,918
    Nontaxable benefits
    $0
    Filer's total
    $210,145

  • BLOSS JODY

    DIRECTOR- CONSUMER LENDING

    Total calculated
    $204,270
    From this org
    $185,616
    From related orgs
    $0
    Other
    $18,654
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $148,419
    Bonus
    $29,594
    Other
    $7,603
    Deferred
    $18,654
    Nontaxable benefits
    $0
    Filer's total
    $204,270

  • MACK JOSHUA LYLE

    INFORMATION SYSTEMS MANAGER

    Total calculated
    $196,984
    From this org
    $175,985
    From related orgs
    $0
    Other
    $20,999
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $151,265
    Bonus
    $24,120
    Other
    $600
    Deferred
    $16,699
    Nontaxable benefits
    $4,300
    Filer's total
    $196,984

  • BLAYLOCK TRICIA

    DIRECTOR- ENTERPRISE RISK

    Total calculated
    $182,160
    From this org
    $167,441
    From related orgs
    $0
    Other
    $14,719
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $141,371
    Bonus
    $25,270
    Other
    $800
    Deferred
    $14,719
    Nontaxable benefits
    $0
    Filer's total
    $182,160

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 1a · Travel for companions
  • 1a · Tax indemnification and gross-up payments
  • 1b · Written policy on the line-1a expenses
  • 2 · Substantiation required before reimbursing expenses
  • 3 · Compensation committee
  • 3 · Independent compensation consultant
  • 3 · Written employment contract
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee
  • 4b · Supplemental nonqualified retirement plan

Answered no

  • 4a · Severance or change-of-control payment
  • 4c · Equity-based compensation arrangement

The filer's explanations (Part III)

PART I, LINE 4B
DURING 2025, THE BELOW-LISTED EMPLOYEES PARTICIPATED IN A NON-QUALIFIED 457(F) DEFERRED COMPENSATION PLAN. DOLLAR AMOUNTS REPORTED REPRESENT THE ACCRUED BENEFIT EXPENSE INCURRED BY THE CREDIT UNION DURING 2025. BIRR, ROBERT- $64,000 CRUZ, DIANA- $18,668 GREEN, DANIELLE- $20,000 BAKER, SETH- $14,000 O'CONNOR, RYAN- $14,000 BURT, JAIME- $14,000 RUIZ, MANNY- $14,000 THE FOLLOWING EXECUTIVES PARTICIPATE IN A SUPPLEMENTAL RETIREMENT BENEFIT PLAN THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR" PLAN. SEE ADDITIONAL INFORMATION IN SCHEDULE L. KAREN ROCH, CEO/PRESIDENT NING DUONG, EXECUTIVE VICE PRESIDENT/CHIEF OPERATING OFFICER KELLY POLDOLSKI, CHIEF FINANCIAL OFFICER BEN CHRISTENSEN, CHIEF INFORMATION OFFICER

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

  • CU WEST CARES INC

    $100,000

    CHARITABLE CONTRIBUTION TO SPONSORED FOUNDATION TO ASSIST FOUNDATION IN CARRYING OUT ITS MISSION

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

  • CU WEST CARES INC

    501(C)(3) · PRIVATE FOUNDATION · AZ · controlled entity

    Directly controlled by CREDIT UNION WEST

Provenance

Return type
form_990
Tax year
2025
Filed
29 April 2026
IRS schema version
2025v4.1
Source object
202621209349301987

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