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UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION

EIN 54-0674170 CHARLOTTESVILLE, VA

Revenue 2024
$87,769,379
Expenses 2024
$72,747,917

As filed

Subsection
14
Street
3300 BERKMAR DRIVE

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

Mission

THE MISSION OF THE UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. IS TO 1) ENCOURAGE THRIFT AMONG MEMBERSHIP, THUS CREATING A LENDABLE POOL OF FUNDS 2) MAKE MEMBER LOANS AT A REASONABLE RATE OF INTEREST 3) PAY A FAIR RATE OF RETURN ON MEMBER SAVINGS 4) PROVIDE HELPFUL MEMBER FINANCIAL SERVICE.

Activities or mission (Part I)

THE MISSION OF THE UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION IS TO 1) ENCOURAGE THRIFT AMONG MEMBERSHIP, THUS CREATING A LENDABLE POOL OF FUNDS 2) MAKE MEMBER LOANS AT A REASONABLE RATE OF INTEREST 3) PAY A FAIR RATE OF RETURN ON MEMBER SAVINGS 4) PROVIDE HELPFUL MEMBER FINANCIAL SERVICE.

  • DURING 2024, UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC., A STATE-CHARTERED CREDIT UNION LOCATED IN CENTRAL VIRGINIA, PROVIDED FINANCIAL SERVICES TO MEMBERS WHO LIVE, WORK, OR ATTEND SCHOOL IN THE COUNTIES OF ALBEMARLE, AMHERST, AUGUSTA, BATH, BEDFORD, BUCKINGHAM, CAMPBELL, CULPEPER, CUMBERLAND, FAUQUIER, FLUVANNA, GREENE, HIGHLAND, LOUISA, MADISON, NELSON, ORANGE, RAPPHANNOCK, ROCKBRIDGE, ROCKINGHAM, AS WELL AS THE CITIES OF CHARLOTTESVILLE, HARRISONBURG, LYNCHBURG, STAUNTON, & WAYNESBORO. THE CREDIT UNION CONTINUED TO FULFILL ITS EXEMPT PURPOSE BY PROVIDING CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, OFFERING COMPETITIVE SHARE DEPOSIT PRODUCTS, AND PROVIDING MEMBERS WITH THE OPPORTUNITY TO IMPROVE THEIR ECONOMIC CONDITION. AS OF THE END OF 2024, THE CREDIT UNION SERVED 81,518 MEMBERS.

  • PROVIDE 41,529 LOANS INCLUDING HOME EQUITY, SHARE SECURED, FIRST MORTGAGE, CREDIT CARD, UNSECURED, NEW AND USED VEHICLE, RECREATIONAL VEHICLES, AND LINE OF CREDIT WITH AGGREGATE LOAN BALANCES THAT APPROXIMATED $879,487,118 AS OF DECEMBER 31, 2024.

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Pamela W Higgins

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Kenneth Eades

    V. CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Lisa P Heuchert

    BOD TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Marie C Melton

    BOD SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • J Barrett Jones

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Benjamin McCartney

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Cynthia Murray

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • David Jones

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Lynne Richman Bell

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Rob W Freer

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Robert Neil

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Susan Gruber

    CEO/PRESIDENT

    Total calculated
    $1,095,623
    From this org
    $820,522
    From related orgs
    $0
    Other
    $275,101
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $626,732
    Bonus
    $192,500
    Other
    $1,290
    Deferred
    $272,562
    Nontaxable benefits
    $2,539
    Filer's total
    $1,095,623
  • Peter Holman

    CFO

    Total calculated
    $831,768
    From this org
    $730,725
    From related orgs
    $0
    Other
    $101,043
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $274,380
    Bonus
    $25,547
    Other
    $430,798
    Deferred
    $66,949
    Nontaxable benefits
    $34,094
    Filer's total
    $831,768
  • Belinda Tucker

    CHIEF OPERATING OFFICER

    Total calculated
    $345,637
    From this org
    $316,660
    From related orgs
    $0
    Other
    $28,977
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $290,070
    Bonus
    $25,300
    Other
    $1,290
    Deferred
    $28,977
    Nontaxable benefits
    $0
    Filer's total
    $345,637
  • Joseph Michael Raichel

    CHIEF LENDING OFFICER

    Total calculated
    $484,242
    From this org
    $309,942
    From related orgs
    $0
    Other
    $174,300
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $282,553
    Bonus
    $26,099
    Other
    $1,290
    Deferred
    $149,723
    Nontaxable benefits
    $24,577
    Filer's total
    $484,242
  • Anne Lesko

    CHIEF HUMAN RESCOURE OFFICER

    Total calculated
    $281,122
    From this org
    $235,876
    From related orgs
    $0
    Other
    $45,246
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $217,044
    Bonus
    $18,532
    Other
    $300
    Deferred
    $22,663
    Nontaxable benefits
    $22,583
    Filer's total
    $281,122
  • George Fisher

    CHIEF INFORMATION OFFICER

    Total calculated
    $289,424
    From this org
    $233,171
    From related orgs
    $0
    Other
    $56,253
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $212,630
    Bonus
    $19,851
    Other
    $690
    Deferred
    $22,484
    Nontaxable benefits
    $33,769
    Filer's total
    $289,424
  • William Bradford

    DIRECTOR OF MORTGAGE

    Total calculated
    $252,134
    From this org
    $227,569
    From related orgs
    $0
    Other
    $24,565
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $186,932
    Bonus
    $40,500
    Other
    $137
    Deferred
    $0
    Nontaxable benefits
    $24,565
    Filer's total
    $252,134
  • George Ballew

    SVP MEMBER OPTIONS

    Total calculated
    $252,944
    From this org
    $208,353
    From related orgs
    $0
    Other
    $44,591
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $193,028
    Bonus
    $11,515
    Other
    $3,810
    Deferred
    $20,477
    Nontaxable benefits
    $24,114
    Filer's total
    $252,944
  • Brendan McCormick

    SVP INTERNAL AUDIT

    Total calculated
    $240,906
    From this org
    $196,402
    From related orgs
    $0
    Other
    $44,504
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $181,994
    Bonus
    $12,428
    Other
    $1,980
    Deferred
    $19,591
    Nontaxable benefits
    $24,913
    Filer's total
    $240,906
  • Tim Alther

    SVP RETAIL

    Total calculated
    $223,492
    From this org
    $188,615
    From related orgs
    $0
    Other
    $34,877
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $187,925
    Bonus
    $0
    Other
    $690
    Deferred
    $1,538
    Nontaxable benefits
    $33,339
    Filer's total
    $223,492
  • Bonnie Wilkins

    SVP COMMERCIAL CREDIT

    Total calculated
    $222,985
    From this org
    $182,163
    From related orgs
    $0
    Other
    $40,822
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $168,439
    Bonus
    $11,744
    Other
    $1,980
    Deferred
    $18,439
    Nontaxable benefits
    $22,383
    Filer's total
    $222,985
  • Janine Williams

    VP CREDIT UNION AFFAIRS

    Total calculated
    $211,218
    From this org
    $171,825
    From related orgs
    $0
    Other
    $39,393
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $159,381
    Bonus
    $11,154
    Other
    $1,290
    Deferred
    $17,596
    Nontaxable benefits
    $21,797
    Filer's total
    $211,218
  • Carolyn Burnett

    VP BUSINESS BANKING

    Total calculated
    $223,051
    From this org
    $179,210
    From related orgs
    $0
    Other
    $43,841
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $168,512
    Bonus
    $10,428
    Other
    $270
    Deferred
    $17,877
    Nontaxable benefits
    $25,964
    Filer's total
    $223,051
  • Suzanne Hess

    VP ACCOUNTING & BUDGETING

    Total calculated
    $207,216
    From this org
    $183,289
    From related orgs
    $0
    Other
    $23,927
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $171,436
    Bonus
    $11,163
    Other
    $690
    Deferred
    $17,599
    Nontaxable benefits
    $6,328
    Filer's total
    $207,216

The first 25 listed. 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. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $87,769,379
    Expenses
    $72,747,917
    Contributions
    $0
    Grants paid
    $148,505
  • 2023
    Revenue
    $68,043,323
    Expenses
    $59,776,332
    Contributions
    $0
    Grants paid
    $37,500
  • 2022
    Revenue
    $51,224,047
    Expenses
    $45,436,580
    Contributions
    $0
    Grants paid
    $25,000

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $46,956,811
    Expenses
    $38,843,292
    Assets (EOY)
    $1,415,250,670
  • 2020 · 990

    Revenue
    $44,689,577
    Expenses
    $39,972,996
    Assets (EOY)
    $1,210,620,558
  • 2019 · 990

    Revenue
    $47,038,027
    Expenses
    $40,239,559
    Assets (EOY)
    $1,026,121,491
  • 2018 · 990

    Revenue
    $43,422,781
    Expenses
    $36,155,439
    Assets (EOY)
    $954,157,214
  • 2017 · 990

    Revenue
    $39,723,634
    Expenses
    $33,747,986
    Assets (EOY)
    $913,514,303
  • 2016 · 990

    Revenue
    $35,404,413
    Expenses
    $29,979,001
    Assets (EOY)
    $833,153,867
  • 2015 · 990

    Revenue
    $31,987,474
    Expenses
    $25,013,549
    Assets (EOY)
    $742,617,187
  • 2014 · 990

    Revenue
    $30,287,393
    Expenses
    $25,314,118
    Assets (EOY)
    $697,730,010
  • 2013 · 990

    Revenue
    $31,965,065
    Expenses
    $26,075,470
    Assets (EOY)
    $655,337,968
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $25,659,912
    Assets (EOY)
    $633,881,353

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2023 return

  • MEMBER OPTIONS LLC

    CONSUMER MORTGAGE ORIGINATIONS · VA · income $2,005,352 · assets $5,661,400

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 29 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.