Totals
- Total revenue
- $39,749,424
- Total expenses
- $37,744,532
- Contributions and grants received
- $0
- Grants paid
- $0
- Program service revenue
- $34,272,589
- Investment income
- $5,476,835
- Other revenue
- $0
- Total assets, end of year
- $648,327,104
- Total liabilities, end of year
- $586,671,180
- Net assets or fund balances, end of year
- $61,655,924
- 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: LOAN INTEREST
total $24,812,217 · related or exempt $24,812,217
-
2b · Program service revenue: FEE INCOME
total $6,712,355 · related or exempt $6,706,641 · unrelated business $5,714
-
2c · Program service revenue: OTHER INCOME
total $2,748,017 · related or exempt $2,748,017
-
3 · Investment income
total $5,476,835 · excluded $5,476,835
Functional expenses
Part IX, the statement of functional expenses.
-
5 · Compensation of officers, directors and key employees
total $2,059,922
-
7 · Other salaries and wages
total $5,022,216
-
8 · Pension plan contributions
total $361,854
-
9 · Other employee benefits
total $3,243,172
-
11b · Fees: legal
total $92,321
-
11c · Fees: accounting
total $54,000
-
11g · Fees: other
total $1,769,581
-
12 · Advertising and promotion
total $1,465,330
-
13 · Office expenses
total $2,716,929
-
16 · Occupancy
total $1,211,289
-
17 · Travel
total $29,206
-
20 · Interest
total $9,789,179
-
23 · Insurance
total $162,172
-
24a · Other expenses: PROVISION FOR LOAN & LE
total $5,553,092
-
24b · Other expenses: CARD PROCESSING & BANK
total $2,519,909
-
24c · Other expenses: LOAN SERVICING EXPENSE
total $1,116,921
-
24d · Other expenses: OTHER EXPENSE
total $461,650
-
24e · All other expenses
total $115,789
Balance sheet
Part X, book values.
-
1 · Cash, non-interest-bearing
beginning of year $6,922,350 · end of year $5,466,771
-
2 · Savings and temporary cash investments
beginning of year $48,397,475 · end of year $52,128,409
-
7 · Other notes and loans receivable
beginning of year $406,411,377 · end of year $435,294,406
-
9 · Prepaid expenses and deferred charges
beginning of year $3,271,217 · end of year $7,388,288
-
10a · Land, buildings and equipment: cost or other basis
$20,406,288
-
10b · Land, buildings and equipment: accumulated depreciation
$5,684,367
-
10c · Land, buildings and equipment, net
beginning of year $14,145,729 · end of year $14,721,921
-
12 · Investments: other securities
beginning of year $92,526,655 · end of year $98,937,659
-
15 · Other assets
beginning of year $32,109,542 · end of year $34,389,650
-
17 · Accounts payable and accrued expenses
beginning of year $8,704,943 · end of year $5,291,363
-
23 · Secured mortgages and notes payable
beginning of year $20,000,000 · end of year $0
-
25 · Other liabilities
beginning of year $519,670,287 · end of year $581,379,817
-
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 $55,409,115 · end of year $61,655,924
Mission and programs · 2024
Mission
TO PROVIDE LENDING, SAVINGS AND OTHER FINANCIAL SERVICES TO ITS MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE LOCAL MARKETPLACE AND WITH A "SERVICE-BASED" EMPHASIS THAT RECOGNIZES THE MEMBERS' STATUS AS "OWNER".
Activities or mission (Part I)
TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS.
-
PROVIDE FINANCIAL SERVICES TO MEMBERS.
As filed on the 2024 return.
Listed in Part VII
-
Marsha CallowayMARSHA CALLOWAY
DIRECTOR
- Total calculated
- $7,500
- From this org
- $7,500
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
John FalkJOHN FALK
DIRECTOR
- Total calculated
- $9,500
- From this org
- $9,500
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Bill KnolesBILL KNOLES
DIRECTOR
- Total calculated
- $7,550
- From this org
- $7,550
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Kirk PiersonKIRK PIERSON
DIRECTOR
- Total calculated
- $8,750
- From this org
- $8,750
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Michael PoeMICHAEL POE
DIRECTOR
- Total calculated
- $7,000
- From this org
- $7,000
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Jack RadichJACK RADICH
DIRECTOR
- Total calculated
- $9,050
- From this org
- $9,050
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Mike SisingerMIKE SISINGER
DIRECTOR
- Total calculated
- $7,600
- From this org
- $7,600
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Brian LakeyBRIAN LAKEY
DIRECTOR
- Total calculated
- $7,750
- From this org
- $7,750
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Lionel HarrisLIONEL HARRIS
DIRECTOR
- Total calculated
- $7,500
- From this org
- $7,500
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Mike ShaferMIKE SHAFER
CEO
- Total calculated
- $589,724
- From this org
- $552,677
- From related orgs
- $0
- Other
- $37,047
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $509,705
- Bonus
- $37,540
- Other
- $5,432
- Deferred
- $19,000
- Nontaxable benefits
- $18,047
- Filer's total
- $589,724
-
Greg KidwellGREG KIDWELL
PRESIDENT
- Total calculated
- $392,875
- From this org
- $373,875
- From related orgs
- $0
- Other
- $19,000
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $340,185
- Bonus
- $28,259
- Other
- $5,431
- Deferred
- $19,000
- Nontaxable benefits
- $0
- Filer's total
- $392,875
-
Casey EcklesCASEY ECKLES
COO
- Total calculated
- $205,919
- From this org
- $194,596
- From related orgs
- $0
- Other
- $11,323
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $172,263
- Bonus
- $16,012
- Other
- $6,321
- Deferred
- $11,323
- Nontaxable benefits
- $0
- Filer's total
- $205,919
-
Andy TarboxANDY TARBOX
CIO
- Total calculated
- $214,187
- From this org
- $202,264
- From related orgs
- $0
- Other
- $11,923
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $182,475
- Bonus
- $15,811
- Other
- $3,978
- Deferred
- $11,923
- Nontaxable benefits
- $0
- Filer's total
- $214,187
-
Chris HooverCHRIS HOOVER
CFO
- Total calculated
- $205,746
- From this org
- $194,428
- From related orgs
- $0
- Other
- $11,318
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $172,338
- Bonus
- $15,861
- Other
- $6,229
- Deferred
- $11,318
- Nontaxable benefits
- $0
- Filer's total
- $205,746
-
Jill JusticeJILL JUSTICE
CHR
- Total calculated
- $176,639
- From this org
- $168,717
- From related orgs
- $0
- Other
- $7,922
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $148,436
- Bonus
- $13,970
- Other
- $6,311
- Deferred
- $7,922
- Nontaxable benefits
- $0
- Filer's total
- $176,639
-
Curtis OnofriCURTIS ONOFRI
CLO
- Total calculated
- $202,631
- From this org
- $191,229
- From related orgs
- $0
- Other
- $11,402
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $173,983
- Bonus
- $15,612
- Other
- $1,634
- Deferred
- $11,402
- Nontaxable benefits
- $0
- Filer's total
- $202,631
-
Cristina GilCRISTINA GIL
AVP LOAN ORIGINATIONS
- Total calculated
- $139,611
- From this org
- $131,759
- From related orgs
- $0
- Other
- $7,852
- Hours/week
- 40
-
Maria GonzalezMARIA GONZALEZ
VP OF SALES AND SERVICES
- Total calculated
- $139,147
- From this org
- $131,471
- From related orgs
- $0
- Other
- $7,676
- Hours/week
- 40
-
Christine MartinoCHRISTINE MARTINO
VP OF COMPLIANCE & RISK MANAGEMENT
- Total calculated
- $136,640
- From this org
- $132,033
- From related orgs
- $0
- Other
- $4,607
- Hours/week
- 40
-
John WootenJOHN WOOTEN
VP OF INFORMATION TECHNOLOGY
- Total calculated
- $138,417
- From this org
- $138,417
- From related orgs
- $0
- Other
- $0
- Hours/week
- 40
-
Laura GatesLAURA GATES
MORTGALE LOAN OFFICER
- Total calculated
- $155,391
- From this org
- $148,258
- From related orgs
- $0
- Other
- $7,133
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $35,799
- Bonus
- $106,763
- Other
- $5,696
- Deferred
- $7,133
- Nontaxable benefits
- $0
- Filer's total
- $155,391
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
- 2 · Substantiation required before reimbursing expenses
- 3 · Compensation survey or study
- 3 · Approval by the board or compensation committee
Answered no
- 4a · Severance or change-of-control payment
- 4b · Supplemental nonqualified retirement plan
- 4c · Equity-based compensation arrangement
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
No itemized grants to organizations on this return.
Provenance
- Return type
- form_990
- Tax year
- 2024
- Filed
- 10 November 2025
- IRS schema version
- 2024v5.2
- Source object
- 202503149349302990
Check it against the return as filed: the GivingTuesday Data Lake hosts a public copy of the original XML.
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