- Revenue 2025
- $42,381,586
- Expenses 2025
- $35,150,569
Program services were 29.7% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.
As filed
- Subsection
- 14
- Classification
- 1000
- Street
- 6312 19TH ST W
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).
Group exemption
A subordinate covered by the group exemption of CREDIT UNIONS IN THE STATE OF WASHINGTON (EIN 91-6055937). matched by us
The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.
Mission and programs · 2025
Mission
WE ARE A FINANCIAL COOPERATIVE COMMITTED TO IMPROVING LIVES BY PARTNERING WITH FAMILIES TO REACH THEIR GOALS AND IMPACTING OUR COMMUNITY BY HELPING INDIVIDUALS REALIZE THEIR FULL POTENTIAL. WE VALUE TRUST AND UNDERSTANDING AND RESPECT FOR OURSELVES AND OTHERS.
-
Provides financial products and services to over 31,599 members including more than 21,400 consumer real estate and business loans and over 59,000 deposit accounts. Services offered include online and mobile banking with bill pay and remote deposit branches ATMs safe deposit boxes shared branching ACH and wires.
Expenses $10,453,367 · Revenue $7,251,262
-
TAPCO has been a part of the Tacoma-Pierce County community for 92 years. We continue to focus on our tagline Rooted in South Sound, which embodies our vision mission and values emphasizing our commitment to the credit union philosophy of people helping people. In 2025 our staff board supervisory committee members and membership dedicated their time and money to support local community programs and events. Through these events over 133,737 was donated and 25,000 was granted in scholarships.
-
We continued to increase member loans significantly. TAPCOs loan portfolio is distributed across many loan types including over 176 million in mortgages and equity loans over 249 million in auto loans and over 102 million in commercial loans. TAPCO Peak Member Rewards Program recognizes members financial relationship with TAPCO and offers better rates and free services. Reward benefits may apply to all family members living in the same household by linking family memberships your high school and college student or other family. We continued to look for ways to better serve our members near where they live and work.
Revenue $31,553,377
As filed on the 2025 return.
Officers and directors · 2025
As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.
-
Justin Martin
CEO
- Total calculated
- $689,359
- From this org
- $658,164
- From related orgs
- $0
- Other
- $31,195
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $482,916
- Bonus
- $144,240
- Other
- $31,008
- Deferred
- $17,599
- Nontaxable benefits
- $13,596
- Filer's total
- $689,359
-
William Peters
CXO
- Total calculated
- $333,721
- From this org
- $320,844
- From related orgs
- $0
- Other
- $12,877
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $281,751
- Bonus
- $18,041
- Other
- $9,052
- Deferred
- $24,877
- Nontaxable benefits
- $0
- Filer's total
- $333,721
-
Sarah Gray
CPIO
- Total calculated
- $290,347
- From this org
- $273,808
- From related orgs
- $0
- Other
- $16,539
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $241,727
- Bonus
- $13,590
- Other
- $14,891
- Deferred
- $20,139
- Nontaxable benefits
- $0
- Filer's total
- $290,347
-
Kathleen Scholes
CFO
- Total calculated
- $282,639
- From this org
- $265,261
- From related orgs
- $0
- Other
- $17,378
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $223,444
- Bonus
- $14,297
- Other
- $15,395
- Deferred
- $29,503
- Nontaxable benefits
- $0
- Filer's total
- $282,639
-
Jason Allen
CIO
- Total calculated
- $272,309
- From this org
- $252,426
- From related orgs
- $0
- Other
- $19,883
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $221,022
- Bonus
- $16,711
- Other
- $14,693
- Deferred
- $16,711
- Nontaxable benefits
- $3,172
- Filer's total
- $272,309
-
Jeremy Mandery
CRLO
- Total calculated
- $258,996
- From this org
- $242,316
- From related orgs
- $0
- Other
- $16,680
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $222,944
- Bonus
- $4,679
- Other
- $14,693
- Deferred
- $16,558
- Nontaxable benefits
- $122
- Filer's total
- $258,996
-
Mitch Jackson
VPCL
- Total calculated
- $162,888
- From this org
- $155,811
- From related orgs
- $0
- Other
- $7,077
- Hours/week
- 40
-
Richard Stirgus
VPCR
- Total calculated
- $155,669
- From this org
- $136,351
- From related orgs
- $0
- Other
- $19,318
- Hours/week
- 40
-
Dawn Foutz
BODGL
- Total calculated
- $134,144
- From this org
- $123,242
- From related orgs
- $0
- Other
- $10,902
- Hours/week
- 40
-
Terri LaCoy
DOF
- Total calculated
- $130,333
- From this org
- $122,074
- From related orgs
- $0
- Other
- $8,259
- Hours/week
- 40
-
John Gaythorpe
DIRITOI
- Total calculated
- $129,441
- From this org
- $121,276
- From related orgs
- $0
- Other
- $8,165
- Hours/week
- 40
-
Heather Fate
VPME
- Total calculated
- $121,669
- From this org
- $116,780
- From related orgs
- $0
- Other
- $4,889
- Hours/week
- 40
-
Bruce Baurichter
Board V-Chair
- Total calculated
- $3,481
- From this org
- $3,481
- From related orgs
- $0
- Other
- $0
- Hours/week
- 2
-
Pat McElligot
Board Secretary
- Total calculated
- $2,396
- From this org
- $2,396
- From related orgs
- $0
- Other
- $0
- Hours/week
- 2
-
John O'Laughlin
Supervisory Committee
- Total calculated
- $1,437
- From this org
- $1,437
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Brent Bomkamp
Supervisory Committee
- Total calculated
- $1,274
- From this org
- $1,274
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Julie Williams
Supervisory Committee
- Total calculated
- $1,243
- From this org
- $1,243
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
John Sinclair
Supervisory Committee
- Total calculated
- $1,148
- From this org
- $1,148
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Lindsey Wade
Board Member
- Total calculated
- $992
- From this org
- $992
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Gene Miller
Board Member
- Total calculated
- $797
- From this org
- $797
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Alex Wilsie
Board Member
- Total calculated
- $460
- From this org
- $460
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Dawn Masko
Board Member
- Total calculated
- $0
- Hours/week
- 1
-
Clara Nelson
Board Chair
- Total calculated
- $0
- Hours/week
- 2
-
Patricia Bosmans
Board Member
- Total calculated
- $0
- Hours/week
- 1
-
Louis Cooper Jr
Board Member
- Total calculated
- $0
- Hours/week
- 1
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
-
2025
- Revenue
- $42,381,586
- Expenses
- $35,150,569
- Contributions
- $0
- Grants paid
- $25,000
-
2024
- Revenue
- $37,771,029
- Expenses
- $34,370,784
- Contributions
- $0
- Grants paid
- $25,000
-
2023
- Revenue
- $32,250,371
- Expenses
- $27,949,874
- Contributions
- $0
- Grants paid
- $22,500
-
2022
- Revenue
- $26,389,919
- Expenses
- $19,727,776
- Contributions
- $0
- Grants paid
- $15,125
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
- $20,285,695
- Expenses
- $17,256,490
- Assets (EOY)
- $574,292,386
-
2020 · 990
- Revenue
- $19,089,269
- Expenses
- $16,619,257
- Assets (EOY)
- $496,515,001
-
2019 · 990
- Revenue
- $19,621,065
- Expenses
- $15,846,289
- Assets (EOY)
- $394,852,832
-
2018 · 990
- Revenue
- $19,064,995
- Expenses
- $15,481,875
- Assets (EOY)
- $374,229,032
-
2017 · 990
- Revenue
- $16,577,703
- Expenses
- $14,576,547
- Assets (EOY)
- $358,294,240
-
2016 · 990
- Revenue
- $15,757,202
- Expenses
- $13,502,524
- Assets (EOY)
- $342,453,484
-
2015 · 990
- Revenue
- $13,940,022
- Expenses
- $11,813,868
- Assets (EOY)
- $323,203,756
-
2014 · 990
- Revenue
- $12,594,830
- Expenses
- $11,015,085
- Assets (EOY)
- $301,528,300
-
2013 · 990
- Revenue
- $11,929,578
- Expenses
- $10,639,665
- Assets (EOY)
- $289,162,988
-
2012 · 990
- Revenue
- not reported
- Expenses
- $9,905,438
- Assets (EOY)
- $269,727,817
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
No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.
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.
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 1 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.