Form 990 for tax year 2024

Filed by GOWEST CREDIT UNION ASSOCIATION.

Totals

Total revenue: $15,527,916
Total expenses: $15,070,178
Contributions and grants received: $620,103
Grants paid: $0
Program service revenue: $13,112,002
Investment income: $1,019,323
Other revenue: $776,488
Total assets, end of year: $43,221,060
Total liabilities, end of year: $16,620,906
Net assets or fund balances, end of year: $26,600,154
Program services expenses (Part IX): $13,339,780
Management and general expenses: $1,730,398
Fundraising expenses: $0
Program service expenses (Part III): $13,339,780

Program services were 88.5% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

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.

1f · All other contributions, gifts and grants

$620,103
2a · Program service revenue: MEMBER DUES

total $9,948,065 · related or exempt $9,948,065
2b · Program service revenue: CONFERENCES AND EDUCATION

total $3,129,520 · related or exempt $3,129,520
2c · Program service revenue: ASSOCIATE MEMBER DUES

total $34,417 · related or exempt $34,417
3 · Investment income

total $985,759 · excluded $985,759
6a · Gross rents

real property $21,593
6b · Less rental expenses

real property $0
6c · Rental income or loss

real property $21,593
6d · Net rental income or loss

total $21,593 · related or exempt $21,593
7a · Gross sales of assets other than inventory

securities $251,564 · other assets $12,000
7b · Less cost or other basis and sales expenses

securities $230,000 · other assets $0
7c · Gain or loss

securities $21,564 · other assets $12,000
7d · Net gain or loss

total $33,564 · related or exempt $33,564
11a · Other revenue: EARNINGS OF SUBSIDIARY

total $427,547 · related or exempt $427,547
11b · Other revenue: OTHER REVENUE

total $327,348 · related or exempt $327,348
11e · Other revenue, total

$754,895

Functional expenses

Part IX, the statement of functional expenses.

5 · Compensation of officers, directors and key employees

total $1,901,421 · program services $1,616,208 · management and general $285,213
7 · Other salaries and wages

total $4,187,213 · program services $3,559,131 · management and general $628,082
8 · Pension plan contributions

total $1,798,783 · program services $1,528,966 · management and general $269,817
9 · Other employee benefits

total $573,947 · program services $487,855 · management and general $86,092
10 · Payroll taxes

total $444,132 · program services $377,512 · management and general $66,620
11b · Fees: legal

total $105,287 · program services $89,494 · management and general $15,793
11c · Fees: accounting

total $30,000 · program services $25,500 · management and general $4,500
11f · Fees: investment management

total $40,442 · program services $34,376 · management and general $6,066
11g · Fees: other

total $953,326 · program services $810,327 · management and general $142,999
12 · Advertising and promotion

total $7,944 · program services $6,752 · management and general $1,192
13 · Office expenses

total $142,536 · program services $121,156 · management and general $21,380
16 · Occupancy

total $416,035 · program services $353,630 · management and general $62,405
17 · Travel

total $314,957 · program services $267,713 · management and general $47,244
19 · Conferences, conventions and meetings

total $3,534,179 · program services $3,534,179
22 · Depreciation, depletion and amortization

total $64,642 · program services $54,946 · management and general $9,696
23 · Insurance

total $36,982 · program services $31,435 · management and general $5,547
24a · Other expenses: DUES & SUBSCRIPTIONS

total $186,528 · program services $158,549 · management and general $27,979
24b · Other expenses: BUSINESS TAXES

total $136,182 · program services $115,755 · management and general $20,427
24c · Other expenses: COMMUNICATION EXPENSE

total $122,482 · program services $104,110 · management and general $18,372
24d · Other expenses: OTHER EXPENSES

total $73,160 · program services $62,186 · management and general $10,974

Balance sheet

Part X, book values.

1 · Cash, non-interest-bearing

beginning of year $234,800 · end of year $573,416
2 · Savings and temporary cash investments

beginning of year $6,809,122 · end of year $8,069,249
4 · Accounts receivable

beginning of year $705,177 · end of year $428,437
9 · Prepaid expenses and deferred charges

beginning of year $250,652 · end of year $378,334
10a · Land, buildings and equipment: cost or other basis

$435,396
10b · Land, buildings and equipment: accumulated depreciation

$311,236
10c · Land, buildings and equipment, net

beginning of year $185,990 · end of year $124,160
11 · Investments: publicly traded securities

beginning of year $3,719,078 · end of year $4,185,246
12 · Investments: other securities

beginning of year $13,948,955 · end of year $15,812,444
13 · Investments: program-related

beginning of year $376,114 · end of year $538,003
15 · Other assets

beginning of year $13,421,522 · end of year $13,111,771
17 · Accounts payable and accrued expenses

beginning of year $2,971,387 · end of year $4,094,389
19 · Deferred revenue

beginning of year $3,673,833 · end of year $4,423,071
25 · Other liabilities

beginning of year $7,277,369 · end of year $8,103,446
27 · Net assets without donor restrictions

beginning of year $22,877,351 · end of year $23,737,496
28 · Net assets with donor restrictions

beginning of year $2,851,470 · end of year $2,862,658

Mission and programs · 2024

Mission

PROVIDE PRODUCTS AND SERVICES TO ARIZONA, COLORADO, IDAHO, OREGON, WASHINGTON AND WYOMING CREDIT UNIONS THAT ENABLE CREDIT UNIONS TO BETTER SERVE THEIR MEMBERS.

Activities or mission (Part I)

WORK WITH STATE AND FEDERAL POLICYMAKERS AS WELL AS COALITIONS AND CONSUMER GROUPS TO KEEP CREDIT UNION POWERS STRONG.

PROVIDED INFORMATION SERVICES, EDUCATION PROGRAMS, AND COORDINATED LEGISLATIVE AND REGULATORY ADVOCACY ACTIVITIES FOR AND ON BEHALF OF ARIZONA, COLORADO, IDAHO, ORGEON, WASHINGTON, AND WYOMING CREDIT UNIONS.

Expenses $13,339,780

As filed on the 2024 return.

Listed in Part VII

Jeff AdamsJEFF ADAMS

DIRECTOR

Total calculated

$0

Hours/week

1
Stacie Wyss-SchoenbornSTACIE WYSS-SCHOENBORN

DIRECTOR

Total calculated

$0

Hours/week

1
Dan ThurmanDAN THURMAN

TREASURER

Total calculated

$0

Hours/week

1
Jennifer KutcherJENNIFER KUTCHER

DIRECTOR

Total calculated

$0

Hours/week

1
Jay CurtisJAY CURTIS

CHAIR

Total calculated

$0

Hours/week

3
Carol RobyCAROL ROBY

DIRECTOR

Total calculated

$0

Hours/week

1
Stephanie ProppsSTEPHANIE PROPPS

SECRETARY

Total calculated

$0

Hours/week

2
Don ClarkDON CLARK

VICE CHAIR

Total calculated

$0

Hours/week

1
Chad GravesCHAD GRAVES

DIRECTOR

Total calculated

$0

Hours/week

1
Jason WertsJASON WERTS

DIRECTOR

Total calculated

$0

Hours/week

1
Tracie WilcoxTRACIE WILCOX

DIRECTOR

Total calculated

$0

Hours/week

1
Matt StephensonMATT STEPHENSON

DIRECTOR

Total calculated

$0

Hours/week

1
Jennifer WagnerJENNIFER WAGNER

EVP/CHIEF ADVOCACY OFFICER

Total calculated

$481,684

From this org

$357,582

From related orgs

$0

Other

$124,102

Hours/week

40

Schedule J breakdown matched by us

Base

$272,308

Bonus

$73,470

Other

$11,804

Deferred

$123,395

Nontaxable benefits

$707

Filer's total

$481,684
Troy StangTROY STANG

PRESIDENT/CEO

Total calculated

$1,957,071

From this org

$1,590,051

From related orgs

$0

Other

$367,020

Hours/week

26 + 14 related

Schedule J breakdown matched by us

Base

$1,029,637

Bonus

$545,939

Other

$14,475

Deferred

$364,400

Nontaxable benefits

$2,620

Filer's total

$1,957,071
Jennifer HuggardJENNIFER HUGGARD

CHIEF ADMINISTRATIVE OFFIC

Total calculated

$324,808

From this org

$282,887

From related orgs

$0

Other

$41,921

Hours/week

30 + 10 related

Schedule J breakdown matched by us

Base

$220,884

Bonus

$61,000

Other

$1,003

Deferred

$40,431

Nontaxable benefits

$1,490

Filer's total

$324,808
Cameron SmithCAMERON SMITH

CHIEF GROWTH OFFICER

Total calculated

$308,909

From this org

$251,313

From related orgs

$0

Other

$57,596

Hours/week

18 + 22 related

Schedule J breakdown matched by us

Base

$204,563

Bonus

$46,096

Other

$654

Deferred

$44,180

Nontaxable benefits

$13,416

Filer's total

$308,909
Sharee AdkinsSHAREE ADKINS

CHIEF IMPACT OFFICER

Total calculated

$352,036

From this org

$281,475

From related orgs

$0

Other

$70,561

Hours/week

26.4

Schedule J breakdown matched by us

Base

$214,169

Bonus

$66,875

Other

$431

Deferred

$68,988

Nontaxable benefits

$1,573

Filer's total

$352,036

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 · First-class or charter travel
1a · Travel for companions
1a · Discretionary spending account
1b · Written policy on the line-1a expenses
2 · Substantiation required before reimbursing expenses
3 · Compensation committee
3 · Independent compensation consultant
3 · Form 990 of other organizations
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: OFFICERS PARTICIPATE IN A 457(F) PLAN.

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.

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.

ARIZONA CREDIT UNION POLITICAL ACTION COMMITTEE

527 · LOBBYING · AZ · controlled entity

Directly controlled by GWCUA
COLORADO CREDIT UNION POLITICAL ACTION COMMITTEE

527 · LOBBYING · CO · controlled entity

Directly controlled by GWCUA
CREDIT UNION LEGISLATIVE ACTION

527 · LOBBYING · WA · controlled entity

Directly controlled by GWCUA
CREDIT UNION LEGISLATIVE ACTION

527 · LOBBYING · OR · controlled entity

Directly controlled by GWCUA
IDAHO CREDIT UNION LEGISLATIVE ACTION COMMITTEE

527 · LOBBYING · ID · controlled entity

Directly controlled by GWCUA
WYOMING CREDIT UNION POLITICAL ACTION COMMITTEE

527 · LOBBYING · WY · controlled entity

Directly controlled by GWCUA

Taxable family on this return

Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.

Related corporations and trusts

Part IV: related organizations taxable as a corporation or trust.

GOWEST SOLUTIONS INC

C · SUPPORT · WA · 100% owned · share of income $427,545 · share of assets $13,397,496 · controlled entity

Directly controlled by GWCUA

Provenance

Return type: form_990
Tax year: 2024
Filed: 12 November 2025
IRS schema version: 2024v5.2
Source object: 202523189349309522

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