Totals
- Total revenue
- $52,131,425
- Total expenses
- $47,108,295
- Contributions and grants received
- $0
- Grants paid
- $0
- Program service revenue
- $34,722,807
- Investment income
- $6,463,400
- Other revenue
- $10,945,218
- Total assets, end of year
- $744,839,651
- Total liabilities, end of year
- $675,067,748
- Net assets or fund balances, end of year
- $69,771,903
- Program services expenses (Part IX)
- $0
- Management and general expenses
- $0
- Fundraising expenses
- $0
- Program service expenses (Part III)
- not reported
Program services were 0.0% 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.
-
2a · Program service revenue: Income from loans
total $34,722,807 · related or exempt $34,722,807
-
3 · Investment income
total $6,473,610 · excluded $6,473,610
-
7a · Gross sales of assets other than inventory
other assets $5,020
-
7b · Less cost or other basis and sales expenses
other assets $15,230
-
7c · Gain or loss
other assets -$10,210
-
7d · Net gain or loss
total -$10,210 · related or exempt -$10,210
-
8c · Net income from fundraising events
total $0
-
11d · All other revenue
total $10,945,218 · related or exempt $10,778,055 · unrelated business $167,163
-
11e · Other revenue, total
$10,945,218
Functional expenses
Part IX, the statement of functional expenses.
-
5 · Compensation of officers, directors and key employees
total $2,553,340
-
7 · Other salaries and wages
total $12,657,468
-
8 · Pension plan contributions
total $1,079,966
-
9 · Other employee benefits
total $2,514,738
-
10 · Payroll taxes
total $980,027
-
11b · Fees: legal
total $21,152
-
11c · Fees: accounting
total $213,921
-
11g · Fees: other
total $1,275,913
-
12 · Advertising and promotion
total $427,276
-
13 · Office expenses
total $1,081,132
-
14 · Information technology
total $2,945,227
-
16 · Occupancy
total $1,314,205
-
17 · Travel
total $75,748
-
19 · Conferences, conventions and meetings
total $32,790
-
20 · Interest
total $12
-
22 · Depreciation, depletion and amortization
total $2,341,214
-
23 · Insurance
total $203,876
-
24a · Other expenses: Provision Funding
total $3,375,000
-
24b · Other expenses: Loan Servicing
total $2,051,533
-
24c · Other expenses: Dividends paid to Members
total $7,590,578
-
24d · Other expenses: Debit CardChecking exp
total $3,688,373
-
24e · All other expenses
total $684,806
Balance sheet
Part X, book values.
-
1 · Cash, non-interest-bearing
beginning of year $8,992,774 · end of year $8,818,101
-
2 · Savings and temporary cash investments
beginning of year $121,816,711 · end of year $127,357,572
-
4 · Accounts receivable
beginning of year $14,478 · end of year $74,476
-
5 · Loans and receivables from officers and key people
beginning of year $16,308,953 · end of year $17,047,732
-
7 · Other notes and loans receivable
beginning of year $483,835,461 · end of year $512,816,758
-
9 · Prepaid expenses and deferred charges
beginning of year $1,347,818 · end of year $1,303,595
-
10a · Land, buildings and equipment: cost or other basis
$56,263,678
-
10b · Land, buildings and equipment: accumulated depreciation
$26,373,479
-
10c · Land, buildings and equipment, net
beginning of year $30,341,045 · end of year $29,890,199
-
12 · Investments: other securities
beginning of year $30,676,259 · end of year $34,425,557
-
15 · Other assets
beginning of year $13,143,812 · end of year $13,105,661
-
17 · Accounts payable and accrued expenses
beginning of year $4,258,345 · end of year $7,113,448
-
25 · Other liabilities
beginning of year $637,946,547 · end of year $667,954,300
-
31 · Retained earnings, endowment or other funds
beginning of year $64,272,419 · end of year $69,771,903
Mission and programs · 2025
Mission
Deposits and lending to credit union members
-
Deposits and lending to credit union members
As filed on the 2025 return.
Listed in Part VII
-
Denise L BarstowDENISE L BARSTOW
PresidentCEO
- Total calculated
- $1,069,976
- From this org
- $1,032,716
- From related orgs
- $0
- Other
- $37,260
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $542,528
- Bonus
- $283,822
- Other
- $206,366
- Deferred
- not reported
- Nontaxable benefits
- $37,260
- Filer's total
- $1,069,976
-
Michele M PlazaMICHELE M PLAZA
Executive VP
- Total calculated
- $682,761
- From this org
- $636,416
- From related orgs
- $0
- Other
- $46,345
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $366,149
- Bonus
- $86,537
- Other
- $183,730
- Deferred
- not reported
- Nontaxable benefits
- $46,345
- Filer's total
- $682,761
-
Lisa R BarowskiLISA R BAROWSKI
Executive VPCFO
- Total calculated
- $545,442
- From this org
- $521,725
- From related orgs
- $0
- Other
- $23,717
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $300,370
- Bonus
- $47,308
- Other
- $174,047
- Deferred
- not reported
- Nontaxable benefits
- $23,717
- Filer's total
- $545,442
-
Karen L LaplumeKAREN L LAPLUME
Executive VPCOO
- Total calculated
- $393,427
- From this org
- $362,483
- From related orgs
- $0
- Other
- $30,944
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $295,038
- Bonus
- $47,308
- Other
- $20,137
- Deferred
- not reported
- Nontaxable benefits
- $30,944
- Filer's total
- $393,427
-
Samantha J MulvaneySAMANTHA J MULVANEY
SVP Lending Risk
- Total calculated
- $261,153
- From this org
- $221,308
- From related orgs
- $0
- Other
- $39,845
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $182,104
- Bonus
- $24,848
- Other
- $14,356
- Deferred
- not reported
- Nontaxable benefits
- $39,845
- Filer's total
- $261,153
-
Willie A HouseWILLIE A HOUSE
SVP Technology
- Total calculated
- $252,592
- From this org
- $224,199
- From related orgs
- $0
- Other
- $28,393
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $188,810
- Bonus
- $22,520
- Other
- $12,869
- Deferred
- not reported
- Nontaxable benefits
- $28,393
- Filer's total
- $252,592
-
Lisa D EganLISA D EGAN
VP Human Resources
- Total calculated
- $250,693
- From this org
- $213,532
- From related orgs
- $0
- Other
- $37,161
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $176,254
- Bonus
- $18,031
- Other
- $19,247
- Deferred
- not reported
- Nontaxable benefits
- $37,161
- Filer's total
- $250,693
-
Tracey A HealeyTRACEY A HEALEY
VP Lending
- Total calculated
- $216,178
- From this org
- $198,537
- From related orgs
- $0
- Other
- $17,641
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $178,615
- Bonus
- $17,684
- Other
- $2,238
- Deferred
- not reported
- Nontaxable benefits
- $17,641
- Filer's total
- $216,178
-
Alicia E MattsonALICIA E MATTSON
VP Branches
- Total calculated
- $213,788
- From this org
- $174,190
- From related orgs
- $0
- Other
- $39,598
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $148,012
- Bonus
- $18,325
- Other
- $7,853
- Deferred
- not reported
- Nontaxable benefits
- $39,598
- Filer's total
- $213,788
-
Allen PatteeALLEN PATTEE
Board Member
- Total calculated
- $0
- Hours/week
- 0
-
Paul E RamseyPAUL E RAMSEY
Board Member
- Total calculated
- $0
- Hours/week
- 0
-
Gerard FerrariGERARD FERRARI
Board Member
- Total calculated
- $0
- Hours/week
- 0
-
Robert A FleuryROBERT A FLEURY
Board Member
- Total calculated
- $0
- Hours/week
- 0
-
Deborah VandebergheDEBORAH VANDEBERGHE
Chairman
- Total calculated
- $0
- Hours/week
- 0
-
Lorrie PiperLORRIE PIPER
Vice Chairman
- Total calculated
- $0
- Hours/week
- 0
-
Cassandra ReederCASSANDRA REEDER
Board Member
- Total calculated
- $0
- Hours/week
- 0
-
Catherine M PikeCATHERINE M PIKE
Board Member
- Total calculated
- $0
- Hours/week
- 0
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 · 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
- 2025
- Filed
- 13 April 2026
- IRS schema version
- 2025v4.0
- Source object
- 202611039349300516
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