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WESTERN COOPERATIVE CREDIT UNION

EIN 45-0216652 DICKINSON, ND

Largest nonprofits in North Dakota

Revenue 2024
$24,455,256
Expenses 2024
$16,921,453

As filed

Subsection
14
Classification
1000
Street
290 15TH 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).

Mission and programs · 2024

Mission

WCCU EXISTS FOR THE FINANCIAL BENEFIT OF ITS MEMBERS. THE PURPOSE SHALL BE TO MAXIMIZE MEMBER BENEFITS THROUGH COST EFFECTIVE FINANCIAL SERVICES, EDUCATION CONSISTENT WITH COOPERATIVE PRINCIPLES, PRUDENT MANAGEMENT, AND TO MAINTAIN A STRONG PRESENCE IN OUR COMMUNITIES.

Activities or mission (Part I)

WESTERN COOPERATIVE CREDIT UNION EXISTS FOR THE FINANCIAL BENEFIT OF ITS MEMBERS. THE PURPOSE SHALL BE TO MAXIMIZE MEMBER BENEFITS THROUGH COST EFFECTIVE FINANCIAL SERVICES, EDUCATION CONSISTENT WITH COOPERATIVE PRINCIPLES, PRUDENT MANAGEMENT, AND TO MAINTAIN A STRONG PRESENCE IN OUR COMMUNITIES.

  • WESTERN COOPERATIVE CREDIT UNION IS A COMMUNITY-CHARTERED CREDIT UNION. IN ORDER TO QUALIFY FOR MEMBERSHIP, THE INDIVIDUAL OR BUSINESS MUST BE LOCATED WITHIN OUR FIELD OF MEMBERSHIP, WHICH IS:A 75-MILE RADIUS AROUND WILLISTON, ND; ORA 50-MILE RADIUS AROUND DICKINSON, ND; ORA 50-MILE RADIUS AROUND HEBRON, ND; ORA 75-MILE RADIUS AROUND BEACH, ND; ORA 50-MILE RADIUS AROUND GLEN ULLIN, ND; ORA 75-MILE RADIUS AROUND RAY, ND.THOSE BELONGING TO A MEMBER'S FAMILY, INCLUDING: SPOUSES, CHILDREN, STEPCHILDREN, PARENTS, SIBLINGS, GRANDPARENTS, GRANDCHILDREN, STEPPARENTS, STEPSIBLINGS AND ADOPTIVE RELATIONSHIPS.ONCE A PERSON BECOMES A MEMBER, THEIR MEMBERSHIP CONTINUES UNTIL THEY CLOSE THEIR ACCOUNT.

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.

  • Larry Novak

    CHAIRMAN

    Total calculated
    $5,200
    From this org
    $5,200
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Gina Karsky

    SECRETARY - TREASURER

    Total calculated
    $5,200
    From this org
    $5,200
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Larry Schilke

    VICE CHAIRMAN

    Total calculated
    $5,200
    From this org
    $5,200
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Heather Feiring

    DIRECTOR

    Total calculated
    $5,200
    From this org
    $5,200
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Lee Murphy

    DIRECTOR

    Total calculated
    $4,800
    From this org
    $4,800
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Justin Maddison

    CEO/PRESIDENT

    Total calculated
    $459,610
    From this org
    $410,293
    From related orgs
    $0
    Other
    $49,317
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $410,293
    Bonus
    $0
    Other
    $0
    Deferred
    $23,000
    Nontaxable benefits
    $26,317
    Filer's total
    $459,610
  • James Moe

    CHIEF FINANCIAL OFFICER

    Total calculated
    $115,093
    From this org
    $99,845
    From related orgs
    $0
    Other
    $15,248
    Hours/week
    40
  • Scott Schwindt

    CHEIF OPERATIONS OFFICER

    Total calculated
    $175,804
    From this org
    $153,065
    From related orgs
    $0
    Other
    $22,739
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $153,065
    Bonus
    $0
    Other
    $0
    Deferred
    $21,019
    Nontaxable benefits
    $1,720
    Filer's total
    $175,804
  • Nickolas Dressler

    AG/BUSINESS LOAN MANAGER

    Total calculated
    $178,273
    From this org
    $142,949
    From related orgs
    $0
    Other
    $35,324
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $142,949
    Bonus
    $0
    Other
    $0
    Deferred
    $9,007
    Nontaxable benefits
    $26,317
    Filer's total
    $178,273
  • Shailoh Kovash

    REGINAL VICE PRESIDENT/IT

    Total calculated
    $126,265
    From this org
    $117,452
    From related orgs
    $0
    Other
    $8,813
    Hours/week
    40
  • Jason Delorme

    CONSUMER/MORTGAGE LOAN MAN

    Total calculated
    $153,519
    From this org
    $126,551
    From related orgs
    $0
    Other
    $26,968
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $126,551
    Bonus
    $0
    Other
    $0
    Deferred
    $15,771
    Nontaxable benefits
    $11,197
    Filer's total
    $153,519
  • Tim Lindemann

    SENIOR AG LOAN OFFICER

    Total calculated
    $134,781
    From this org
    $116,183
    From related orgs
    $0
    Other
    $18,598
    Hours/week
    40
  • Melanie Stillwell

    FORMER CEO/PRESIDENT

    Total calculated
    $209,212
    From this org
    $185,714
    From related orgs
    $0
    Other
    $23,498
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $185,714
    Bonus
    $0
    Other
    $0
    Deferred
    $15,400
    Nontaxable benefits
    $8,098
    Filer's total
    $209,212

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
    $24,455,256
    Expenses
    $16,921,453
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $20,687,023
    Expenses
    $14,639,929
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $16,661,044
    Expenses
    $12,892,014
    Contributions
    $490,000
    Grants paid
    $0

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
    $14,078,425
    Expenses
    $12,678,794
    Assets (EOY)
    $421,229,193
  • 2020 · 990

    Revenue
    $14,807,052
    Expenses
    $13,229,526
    Assets (EOY)
    $385,602,569
  • 2019 · 990

    Revenue
    $15,994,606
    Expenses
    $13,200,773
    Assets (EOY)
    $358,802,224
  • 2018 · 990

    Revenue
    $14,713,233
    Expenses
    $12,532,931
    Assets (EOY)
    $341,884,280
  • 2017 · 990

    Revenue
    $13,495,962
    Expenses
    $11,658,422
    Assets (EOY)
    $328,055,442
  • 2016 · 990

    Revenue
    $12,857,868
    Expenses
    $11,299,293
    Assets (EOY)
    $321,189,051
  • 2015 · 990

    Revenue
    $13,233,970
    Expenses
    $11,136,499
    Assets (EOY)
    $332,067,470
  • 2014 · 990

    Revenue
    $13,229,821
    Expenses
    $10,349,531
    Assets (EOY)
    $353,474,049
  • 2013 · 990

    Revenue
    $13,221,797
    Expenses
    $10,920,486
    Assets (EOY)
    $321,750,379
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $9,316,274
    Assets (EOY)
    $310,239,629

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.

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.

Related corporations and trusts on its 2024 return

  • KRABSETH AGENCY INC

    C · INSURANCE AGENCY · ND · 100% owned · share of income $150,665 · share of assets $148,722 · controlled entity

  • CREDIT UNION SERVICES INC

    C · INSURANCE · ND · 100% owned · share of income $101,135 · share of assets $544,646 · controlled entity

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 2024, the newest we have parsed for this organization.