Totals
- Total revenue
- $36,962,035
- Total expenses
- $34,465,851
- Contributions and grants received
- $0
- Grants paid
- $11,000
- Program service revenue
- $34,955,655
- Investment income
- $2,006,380
- Other revenue
- $0
- Total assets, end of year
- $491,254,369
- Total liabilities, end of year
- $450,290,100
- Net assets or fund balances, end of year
- $40,964,269
- 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 $28,004,526 · related or exempt $28,004,526
-
2b · Program service revenue: FEES & OTHER INCOME
total $6,875,483 · related or exempt $6,806,331 · unrelated business $69,152
-
2c · Program service revenue: WARRANTY SALES
total $75,646 · unrelated business $75,646
-
3 · Investment income
total $1,984,190 · related or exempt $1,984,190
-
7a · Gross sales of assets other than inventory
securities $31,480
-
7b · Less cost or other basis and sales expenses
securities $9,290
-
7c · Gain or loss
securities $22,190
-
7d · Net gain or loss
total $22,190 · related or exempt $22,190
Functional expenses
Part IX, the statement of functional expenses.
-
1 · Grants to domestic organizations and governments
total $2,000
-
2 · Grants to domestic individuals
total $9,000
-
4 · Benefits paid to or for members
total $35,433
-
5 · Compensation of officers, directors and key employees
total $3,297,823
-
7 · Other salaries and wages
total $6,212,795
-
8 · Pension plan contributions
total $336,606
-
9 · Other employee benefits
total $785,458
-
10 · Payroll taxes
total $649,013
-
11b · Fees: legal
total $55,701
-
11c · Fees: accounting
total $84,200
-
11g · Fees: other
total $3,337,395
-
12 · Advertising and promotion
total $727,732
-
13 · Office expenses
total $959,407
-
14 · Information technology
total $1,040,436
-
16 · Occupancy
total $1,398,554
-
19 · Conferences, conventions and meetings
total $186,466
-
20 · Interest
total $1,103,724
-
22 · Depreciation, depletion and amortization
total $1,059,750
-
23 · Insurance
total $170,830
-
24a · Other expenses: DIVIDENDS ON SHARES
total $7,593,435
-
24b · Other expenses: PROVISION FOR LOAN LOSS
total $4,230,323
-
24c · Other expenses: LOAN SERVICING
total $1,290,218
-
24d · Other expenses: DUES & SUBSCRIPTIONS
total $110,731
-
24e · All other expenses
total -$211,179
Balance sheet
Part X, book values.
-
1 · Cash, non-interest-bearing
beginning of year $4,542,460 · end of year $3,686,561
-
2 · Savings and temporary cash investments
beginning of year $18,694,775 · end of year $24,815,584
-
5 · Loans and receivables from officers and key people
beginning of year $1,804,186 · end of year $1,854,371
-
7 · Other notes and loans receivable
beginning of year $404,478,892 · end of year $407,090,225
-
9 · Prepaid expenses and deferred charges
beginning of year $6,175,617 · end of year $6,619,732
-
10a · Land, buildings and equipment: cost or other basis
$28,514,977
-
10b · Land, buildings and equipment: accumulated depreciation
$9,592,380
-
10c · Land, buildings and equipment, net
beginning of year $19,680,559 · end of year $18,922,597
-
12 · Investments: other securities
beginning of year $14,965,638 · end of year $15,011,676
-
15 · Other assets
beginning of year $12,874,545 · end of year $13,253,623
-
17 · Accounts payable and accrued expenses
beginning of year $8,034,054 · end of year $9,019,996
-
21 · Escrow or custodial account liability
beginning of year $218,787 · end of year $218,747
-
23 · Secured mortgages and notes payable
beginning of year $40,000,000 · end of year $25,000,000
-
25 · Other liabilities
beginning of year $397,402,204 · end of year $416,051,357
-
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 $37,561,627 · end of year $40,964,269
Mission and programs · 2025
Mission
TO BE OUR MEMBERS' LIFELONG FINANCIAL PARTNER BY TRULY UNDERSTANDING THEIR STORIES AND DELIVERING SMART SOLUTIONS.
-
PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 32,415 MEMBERS.
-
PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 20,097 LOANS OUTSTANDING TOTALING $410,514,795, INCLUDING LOAN PARTICIPATIONS.
-
PAID DIVIDENDS ON DEPOSITS TOTALING $7,593,435 FOR THE YEAR.
As filed on the 2025 return.
Listed in Part VII
-
Michael MurphyMICHAEL MURPHY
CHAIRMAN
- Total calculated
- $0
- Hours/week
- 1
-
Tom KrapuTOM KRAPU
VICE CHAIRMAN
- Total calculated
- $0
- Hours/week
- 1
-
Eric VanderhoefERIC VANDERHOEF
SECRETARY
- Total calculated
- $0
- Hours/week
- 1
-
Chris AbbottCHRIS ABBOTT
TREASURER
- Total calculated
- $0
- Hours/week
- 1
-
Trinetta TaylorTRINETTA TAYLOR
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Sean LongSEAN LONG
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Ryan DunneganRYAN DUNNEGAN
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Leah PetrasLEAH PETRAS
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Debbie GeringerDEBBIE GERINGER
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Jason PeachJASON PEACH
PRESIDENT/CEO
- Total calculated
- $1,012,187
- From this org
- $888,737
- From related orgs
- $0
- Other
- $123,450
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $373,685
- Bonus
- $515,052
- Other
- $0
- Deferred
- $109,206
- Nontaxable benefits
- $14,244
- Filer's total
- $1,012,187
-
Melissa GreenMELISSA GREEN
CFO
- Total calculated
- $235,896
- From this org
- $197,271
- From related orgs
- $0
- Other
- $38,625
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $167,517
- Bonus
- $29,754
- Other
- $0
- Deferred
- $28,734
- Nontaxable benefits
- $9,891
- Filer's total
- $235,896
-
Kathy GahrKATHY GAHR
VP - BRANCH MANAGEMENT
- Total calculated
- $244,746
- From this org
- $198,858
- From related orgs
- $0
- Other
- $45,888
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $169,332
- Bonus
- $29,526
- Other
- $0
- Deferred
- $39,560
- Nontaxable benefits
- $6,328
- Filer's total
- $244,746
-
Koren GreubelKOREN GREUBEL
VP - MARKETING & DIGITAL E
- Total calculated
- $227,576
- From this org
- $203,601
- From related orgs
- $0
- Other
- $23,975
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $173,903
- Bonus
- $29,698
- Other
- $0
- Deferred
- $17,647
- Nontaxable benefits
- $6,328
- Filer's total
- $227,576
-
William McFarlandWILLIAM MCFARLAND
VP - INFORMATION TECHNOLOG
- Total calculated
- $254,090
- From this org
- $197,384
- From related orgs
- $0
- Other
- $56,706
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $167,738
- Bonus
- $29,646
- Other
- $0
- Deferred
- $46,161
- Nontaxable benefits
- $10,545
- Filer's total
- $254,090
-
Dennis McGraneDENNIS MCGRANE
VP - LENDING
- Total calculated
- $240,715
- From this org
- $203,762
- From related orgs
- $0
- Other
- $36,953
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $174,067
- Bonus
- $29,695
- Other
- $0
- Deferred
- $30,625
- Nontaxable benefits
- $6,328
- Filer's total
- $240,715
-
Lorene MeyerLORENE MEYER
VP - ORGANIZATIONAL STRATE
- Total calculated
- $260,624
- From this org
- $207,588
- From related orgs
- $0
- Other
- $53,036
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $175,845
- Bonus
- $31,743
- Other
- $0
- Deferred
- $40,178
- Nontaxable benefits
- $12,858
- Filer's total
- $260,624
-
Richard DillardRICHARD DILLARD
AVP - COMMERCIAL LENDING
- Total calculated
- $231,699
- From this org
- $160,118
- From related orgs
- $0
- Other
- $71,581
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $94,775
- Bonus
- $65,343
- Other
- $0
- Deferred
- $65,343
- Nontaxable benefits
- $6,238
- Filer's total
- $231,699
-
Austin FlynnAUSTIN FLYNN
AVP - CORE SYSTEMS
- Total calculated
- $199,136
- From this org
- $170,292
- From related orgs
- $0
- Other
- $28,844
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $148,043
- Bonus
- $22,249
- Other
- $0
- Deferred
- $22,249
- Nontaxable benefits
- $6,595
- Filer's total
- $199,136
-
Shannon JohnsonSHANNON JOHNSON
AVP - DIGITAL ENGAGEMENT
- Total calculated
- $197,047
- From this org
- $158,376
- From related orgs
- $0
- Other
- $38,671
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $133,905
- Bonus
- $24,471
- Other
- $0
- Deferred
- $24,471
- Nontaxable benefits
- $14,200
- Filer's total
- $197,047
-
Josh RodriguezJOSH RODRIGUEZ
AVP - FINTECH & MISSION IN
- Total calculated
- $194,109
- From this org
- $155,647
- From related orgs
- $0
- Other
- $38,462
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $131,385
- Bonus
- $24,262
- Other
- $0
- Deferred
- $24,262
- Nontaxable benefits
- $14,200
- Filer's total
- $194,109
-
Marissa McGheeMARISSA MCGHEE
AVP - ACCOUNTING
- Total calculated
- $144,192
- From this org
- $136,695
- From related orgs
- $0
- Other
- $7,497
- Hours/week
- 45
-
James GuilfordJAMES GUILFORD
AVP - BRANCH MGMT
- Total calculated
- $162,915
- From this org
- $128,973
- From related orgs
- $0
- Other
- $33,942
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $108,745
- Bonus
- $20,228
- Other
- $0
- Deferred
- $19,745
- Nontaxable benefits
- $14,197
- Filer's total
- $162,915
-
Robyn DietrichROBYN DIETRICH
AVP - ORG DEVELOPMENT & LEARNING
- Total calculated
- $155,956
- From this org
- $132,385
- From related orgs
- $0
- Other
- $23,571
- Hours/week
- 45
Schedule J breakdown matched by us
- Base
- $113,149
- Bonus
- $19,236
- Other
- $0
- Deferred
- $9,386
- Nontaxable benefits
- $14,185
- Filer's total
- $155,956
-
Paul HuffPAUL HUFF
AVP - IT
- Total calculated
- $126,703
- From this org
- $111,366
- From related orgs
- $0
- Other
- $15,337
- Hours/week
- 45
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 · Independent compensation consultant
- 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 3
- THE BOARD OF DIRECTORS REVIEWS THE CEO'S PERFORMANCE AND DETERMINES COMPENSATION WITH THE ASSISTANCE OF AN INDEPENDENT SALARY CONSULTANT. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
- PART I, LINE 4B
- THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS FOR THE FOLLOWING EXECUTIVES THROUGH COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENTS: - JASON PEACH, PRESIDENT/CEO - LORENE MEYER, VICE PRESIDENT - ORGANIZATIONAL STRATEGY & PERFORMANCE - KOREN GREUBEL, VICE PRESIDENT - MARKETING & DIGITAL ENGAGEMENT SEE SCHEDULE L FOR THE RELATED LOANS OUTSTANDING.
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
- 8 August 2026
- IRS schema version
- 2025v4.2
- Source object
- 202612209349300101
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