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ARIZONA FINANCIAL CREDIT UNION

EIN 86-0101004 PHOENIX, AZ

Revenue 2024
$225,880,309
Expenses 2024
$197,180,064

As filed

Subsection
14
NTEE code
W61
Classification
1000
Street
333 N 44TH ST

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).

Other organizations at this address

1 other organization in the IRS Business Master File lists the same street address. matched by us

We match the street line and ZIP code as the IRS gives them, ignoring case and outer spaces and nothing else, so "AVE" and "AVENUE" count as different streets and this list can miss some. A shared address can mean related organizations or a shared office, but it can also be a registered agent, a mail drop or a service provider holding mail for unrelated clients. It is not, by itself, evidence that two organizations are connected.

Mission and programs · 2024

Mission

The purpose of Arizona Financial Credit Union (AZFCU) is to promote thrift and to provide credit to its members.

  • AZFCU IS A STATE CHARTERED COOPERATIVE ASSOCIATION ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AMONG AND CREATING A SOURCE OF CREDIT FOR ITS MEMBERS. THE CREDIT UNION PROVIDES MORTGAGE, VEHICLE AND OTHER CONSUMER AND COMMERCIAL LOANS TO ITS MEMBERS. THE CREDIT UNION ALSO OFFERS A VARIETY OF ACCOUNTS FOR MEMBERS TO TRANSACT AND SAVE, INCLUDING SHARE DRAFT ACCOUNTS AND SHARE CERTIFICATES. AS A MEMBER-OWNED ORGANIZATION, THE CREDIT UNION STRIVES TO PROVIDE COMPETITIVE INTEREST AND DIVIDEND RATES TO ITS MEMBERS AND CONVENIENT WAYS FOR MEMBERS TO ACCESS THEIR ACCOUNTS, INCLUDING ONLINE AND MOBILE BANKING AND SHARED BRANCHING SERVICES.

  • AZFCU OFFERS CREDIT LIFE AND DISABILITY INSURANCE TO ITS MEMBERS WHEN THEY FINANCE A VEHICLE OR OPEN A CREDIT CARD. THIS INSURANCE WOULD PAY OFF THE LOAN IN THE CASE OF A DEATH OR DISABILITY. AZFCU OFFERS AUTO WARRANTIES AT FAIR PRICES TO ITS MEMBERS. THESE WARRANTIES ARE COMPREHENSIVE AND HELP WITH THE COSTS OF REPAIR OF THE VEHICLE.

As filed on the 2024 return.

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.

  • David Albertson

    Board Vice chairperson

    Total calculated
    $1,588
    From this org
    $1,588
    From related orgs
    $0
    Other
    $0
    Hours/week
    3

  • Libby Bissa

    Board Secretary

    Total calculated
    $17,010
    From this org
    $17,010
    From related orgs
    $0
    Other
    $0
    Hours/week
    3

  • William Greene

    Board Chairperson

    Total calculated
    $21,979
    From this org
    $21,979
    From related orgs
    $0
    Other
    $0
    Hours/week
    3

  • Zeek Ojeh

    Board Treasurer

    Total calculated
    $0
    Hours/week
    3

  • Cathleen Gleason

    Board Member

    Total calculated
    $12,412
    From this org
    $12,412
    From related orgs
    $0
    Other
    $0
    Hours/week
    3

  • Debby Black

    Board Member

    Total calculated
    $0
    Hours/week
    3

  • Jeffrey Barton

    Board Member

    Total calculated
    $0
    Hours/week
    3

  • Jennifer Villalobos

    Board Member

    Total calculated
    $0
    Hours/week
    3

  • Kim Baldwin

    Board Member

    Total calculated
    $0
    Hours/week
    3

  • Amy Hysell

    President/CEO (AZFCU)

    Total calculated
    $843,315
    From this org
    $777,889
    From related orgs
    $0
    Other
    $65,426
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $665,159
    Bonus
    $96,000
    Other
    $16,730
    Deferred
    $62,001
    Nontaxable benefits
    $3,425
    Filer's total
    $843,315

  • Travis Fonnesbeck

    SVP & CFO (AZFCU)

    Total calculated
    $335,520
    From this org
    $306,833
    From related orgs
    $0
    Other
    $28,687
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $270,677
    Bonus
    $29,061
    Other
    $7,095
    Deferred
    $16,954
    Nontaxable benefits
    $11,733
    Filer's total
    $335,520

  • Chad Forkenbrock

    EVP & Chief Operating Officer (AZFCU)

    Total calculated
    $486,759
    From this org
    $448,658
    From related orgs
    $0
    Other
    $38,101
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $395,477
    Bonus
    $34,090
    Other
    $19,091
    Deferred
    $33,094
    Nontaxable benefits
    $5,007
    Filer's total
    $486,759

  • Gregory Thorell

    SVP Residential Lending (AZFCU)

    Total calculated
    $468,052
    From this org
    $423,266
    From related orgs
    $0
    Other
    $44,786
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $391,740
    Bonus
    $0
    Other
    $31,526
    Deferred
    $29,225
    Nontaxable benefits
    $15,561
    Filer's total
    $468,052

  • Jason Paprocki

    EVP & Chief Strategy Officer (AZFCU)

    Total calculated
    $546,182
    From this org
    $506,725
    From related orgs
    $0
    Other
    $39,457
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $428,399
    Bonus
    $49,202
    Other
    $29,124
    Deferred
    $32,705
    Nontaxable benefits
    $6,752
    Filer's total
    $546,182

  • Juan Ruiz

    EVP & Chief People and Culture Officer (AZFCU)

    Total calculated
    $424,828
    From this org
    $385,392
    From related orgs
    $0
    Other
    $39,436
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $345,793
    Bonus
    $37,200
    Other
    $2,399
    Deferred
    $34,027
    Nontaxable benefits
    $5,409
    Filer's total
    $424,828

  • Michael Thorell

    Arizona Market President & Chief Lending Officer (AZFCU)

    Total calculated
    $552,005
    From this org
    $488,270
    From related orgs
    $0
    Other
    $63,735
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $424,333
    Bonus
    $37,808
    Other
    $26,129
    Deferred
    $50,095
    Nontaxable benefits
    $13,640
    Filer's total
    $552,005

  • Travis Merrell

    SVP & Chief Credit Officer (AZFCU)

    Total calculated
    $344,169
    From this org
    $316,688
    From related orgs
    $0
    Other
    $27,481
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $307,810
    Bonus
    $553
    Other
    $8,325
    Deferred
    $12,888
    Nontaxable benefits
    $14,593
    Filer's total
    $344,169

  • William Randall Gaston

    SVP & Commercial Lending (AZFCU)

    Total calculated
    $451,835
    From this org
    $418,085
    From related orgs
    $0
    Other
    $33,750
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $393,111
    Bonus
    $0
    Other
    $24,974
    Deferred
    $21,624
    Nontaxable benefits
    $12,126
    Filer's total
    $451,835

  • Andrew Martinez

    COMMERCIAL PRODUCER (AFIS)

    Total calculated
    $507,524
    From this org
    $486,232
    From related orgs
    $0
    Other
    $21,292
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $481,232
    Bonus
    $5,000
    Other
    $0
    Deferred
    $20,700
    Nontaxable benefits
    $592
    Filer's total
    $507,524

  • Gregory Okonowski

    COMMERCIAL PRODUCER (AFIS)

    Total calculated
    $606,921
    From this org
    $577,140
    From related orgs
    $0
    Other
    $29,781
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $572,140
    Bonus
    $5,000
    Other
    $0
    Deferred
    $20,700
    Nontaxable benefits
    $9,081
    Filer's total
    $606,921

  • Joseph Cook

    PPD Producer (AFIS)

    Total calculated
    $499,391
    From this org
    $468,862
    From related orgs
    $0
    Other
    $30,529
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $463,862
    Bonus
    $5,000
    Other
    $0
    Deferred
    $17,250
    Nontaxable benefits
    $13,279
    Filer's total
    $499,391

  • Kelly Harding

    COMMERCIAL PRODUCER (AFIS)

    Total calculated
    $676,600
    From this org
    $639,141
    From related orgs
    $0
    Other
    $37,459
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $639,141
    Bonus
    $0
    Other
    $0
    Deferred
    $20,700
    Nontaxable benefits
    $16,759
    Filer's total
    $676,600

  • Ryan West

    Investment Representative (AZFCU)

    Total calculated
    $504,880
    From this org
    $470,211
    From related orgs
    $0
    Other
    $34,669
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $36,530
    Bonus
    $431,860
    Other
    $1,821
    Deferred
    $21,887
    Nontaxable benefits
    $12,782
    Filer's total
    $504,880

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
    $225,880,309
    Expenses
    $197,180,064
    Contributions
    $0
    Grants paid
    $251,482
  • 2023
    Revenue
    $204,218,702
    Expenses
    $167,917,483
    Contributions
    $0
    Grants paid
    $189,323
  • 2022
    Revenue
    $80,017,866
    Expenses
    $64,824,348
    Contributions
    $0
    Grants paid
    $6,218

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.

Grants made

The 10 largest by cash amount. The API serves every itemized grant.

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 2024 return

  • Arizona Federal Insurance Solutions LLC

    Insurance · AZ · income $15,824,113 · assets $28,612,160

  • Western States Financial Group LLC

    Auto-Buying Services · AZ · income $408,680 · assets $5,455,680

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.