Totals
- Total revenue
- $24,860,255
- Total expenses
- $21,923,484
- Contributions and grants received
- $0
- Grants paid
- $10,500
- Program service revenue
- $18,566,445
- Investment income
- $6,293,810
- Other revenue
- $0
- Total assets, end of year
- $510,778,790
- Total liabilities, end of year
- $458,266,962
- Net assets or fund balances, end of year
- $52,511,828
- 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: INTEREST ON LOANS
total $13,852,328 · related or exempt $13,852,328
-
2b · Program service revenue: INTERCHANGE INCOME
total $2,257,784 · related or exempt $2,257,784
-
2c · Program service revenue: FEES AND CHARGES
total $2,040,456 · related or exempt $2,040,456
-
2d · Program service revenue: OTHER INCOME
total $415,877 · related or exempt $415,877
-
3 · Investment income
total $6,293,810 · related or exempt $6,293,810
Functional expenses
Part IX, the statement of functional expenses.
-
2 · Grants to domestic individuals
total $10,500
-
5 · Compensation of officers, directors and key employees
total $993,343
-
7 · Other salaries and wages
total $4,352,149
-
8 · Pension plan contributions
total $93,668
-
9 · Other employee benefits
total $710,785
-
10 · Payroll taxes
total $392,548
-
11b · Fees: legal
total $17,952
-
11c · Fees: accounting
total $67,420
-
11g · Fees: other
total $375,281
-
12 · Advertising and promotion
total $399,797
-
13 · Office expenses
total $700,753
-
14 · Information technology
total $1,376,517
-
16 · Occupancy
total $702,131
-
19 · Conferences, conventions and meetings
total $82,987
-
20 · Interest
total $8,494,946
-
22 · Depreciation, depletion and amortization
total $317,580
-
24a · Other expenses: LOAN EXPENSES
total $1,089,354
-
24b · Other expenses: DEBIT CARD EXPENSES
total $865,549
-
24c · Other expenses: PROVISION FOR LOAN LOSS
total $431,627
-
24d · Other expenses: ATM EXPENSES
total $292,438
-
24e · All other expenses
total $156,159
Balance sheet
Part X, book values.
-
1 · Cash, non-interest-bearing
beginning of year $1,982,451 · end of year $2,361,311
-
2 · Savings and temporary cash investments
beginning of year $41,994,138 · end of year $57,811,202
-
5 · Loans and receivables from officers and key people
beginning of year $876,773 · end of year $916,773
-
7 · Other notes and loans receivable
beginning of year $246,348,184 · end of year $254,298,709
-
9 · Prepaid expenses and deferred charges
beginning of year $970,407 · end of year $1,056,993
-
10a · Land, buildings and equipment: cost or other basis
$8,525,198
-
10b · Land, buildings and equipment: accumulated depreciation
$4,631,150
-
10c · Land, buildings and equipment, net
beginning of year $2,402,153 · end of year $3,894,048
-
11 · Investments: publicly traded securities
beginning of year $154,040 · end of year $162,436
-
12 · Investments: other securities
beginning of year $169,996,099 · end of year $177,500,976
-
15 · Other assets
beginning of year $10,743,690 · end of year $12,776,342
-
17 · Accounts payable and accrued expenses
beginning of year $2,507,202 · end of year $3,552,673
-
25 · Other liabilities
beginning of year $423,386,736 · end of year $454,714,289
-
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 $49,573,997 · end of year $52,511,828
Mission and programs · 2024
Mission
EDUCATE. SERVE. DELIGHT.
Activities or mission (Part I)
OUR MISSION IS "EDUCATE. SERVE. DELIGHT." WHILE PROVIDING CREDIT UNION SERVICES.
-
PROVIDE CREDIT UNION SERVICES.
As filed on the 2024 return.
Listed in Part VII
-
Charlyn TannerCHARLYN TANNER
PRESIDENT, CEO & SECRETARY
- Total calculated
- $520,481
- From this org
- $353,076
- From related orgs
- $0
- Other
- $167,405
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $300,000
- Bonus
- $20,000
- Other
- $33,076
- Deferred
- $128,202
- Nontaxable benefits
- $39,203
- Filer's total
- $520,481
-
Michael E CurtinMICHAEL E CURTIN
CHAIRMAN OF BOARD
- Total calculated
- $789
- From this org
- $789
- From related orgs
- $0
- Other
- $0
- Hours/week
- 2
-
Robert BourneROBERT BOURNE
VICE CHAIRMAN
- Total calculated
- $0
- Hours/week
- 2
-
Timothy TuellTIMOTHY TUELL
TREASURER
- Total calculated
- $0
- Hours/week
- 2
-
Noel AubeNOEL AUBE
DIRECTOR
- Total calculated
- $0
- Hours/week
- 2
-
Patrick DornfriedPATRICK DORNFRIED
DIRECTOR
- Total calculated
- $0
- Hours/week
- 2
-
Maisa LahamMAISA LAHAM
ASSISTANT TREASURER
- Total calculated
- $0
- Hours/week
- 2
-
Marguerite RoseMARGUERITE ROSE
DIRECTOR
- Total calculated
- $0
- Hours/week
- 2
-
Diane Del RossoDIANE DEL ROSSO
DIRECTOR
- Total calculated
- $0
- Hours/week
- 2
-
Michael KleinschmittMICHAEL KLEINSCHMITT
CHIEF FINANCIAL OFFICER
- Total calculated
- $246,657
- From this org
- $201,791
- From related orgs
- $0
- Other
- $44,866
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $180,180
- Bonus
- $18,000
- Other
- $3,611
- Deferred
- $15,173
- Nontaxable benefits
- $29,693
- Filer's total
- $246,657
-
Stacey CollinsSTACEY COLLINS
CHIEF EXPERIENCE OFFICER
- Total calculated
- $229,056
- From this org
- $209,829
- From related orgs
- $0
- Other
- $19,227
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $189,829
- Bonus
- $20,000
- Other
- $0
- Deferred
- $0
- Nontaxable benefits
- $19,227
- Filer's total
- $229,056
-
Lisa KayeLISA KAYE
VP NETWORK AND SECURITY
- Total calculated
- $127,836
- From this org
- $119,101
- From related orgs
- $0
- Other
- $8,735
- Hours/week
- 40
-
Collette GiarratanoCOLLETTE GIARRATANO
VP OPERATIONS
- Total calculated
- $128,074
- From this org
- $118,551
- From related orgs
- $0
- Other
- $9,523
- Hours/week
- 40
-
Octavia GainesOCTAVIA GAINES
VP LENDING
- Total calculated
- $147,734
- From this org
- $116,426
- From related orgs
- $0
- Other
- $31,308
- Hours/week
- 40
-
Robert PellegattoROBERT PELLEGATTO
VP HUMAN RESOURCES
- Total calculated
- $152,359
- From this org
- $113,255
- From related orgs
- $0
- Other
- $39,104
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $107,255
- Bonus
- $6,000
- Other
- $0
- Deferred
- $8,280
- Nontaxable benefits
- $30,824
- Filer's total
- $152,359
-
Suzanne MurphySUZANNE MURPHY
VP CORE SOLUTIONS
- Total calculated
- $128,646
- From this org
- $108,766
- From related orgs
- $0
- Other
- $19,880
- Hours/week
- 40
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
- 3 · Compensation committee
- 3 · Independent compensation consultant
- 3 · Written employment contract
- 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
- CERTAIN OFFICERS PARTICIPATE IN A NON-QUALIFIED DEFERRED COMPENSATION PLAN. THEY ARE NOT VESTED IN THIS PLAN. THE CURRENT YEAR NON VESTED DEFERRAL IS INCLUDED IN SCHEDULE J, PART II, COLUMN C.
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
- 6 November 2025
- IRS schema version
- 2024v5.2
- Source object
- 202503119349300015
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