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DOW GREAT WESTERN CREDIT UNION

EIN 94-1417215 ANTIOCH, CA

Browse the largest nonprofits in California

Revenue 2024
$2,181,139
Expenses 2024
$2,347,036

Program services were 100.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Classification
1000
Street
PO BOX 2059

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 CALIFORNIA (EIN 94-6123880). 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 · 2024

Mission

The credit union provides thrift savings, borrowing and financial services to members of a member owned cooperative financial institution. The credit union provides overall activity; that being financial cooperative providing thrift savings, borrowing and other financial services to our members/owners. Number of members/owners at 12/31/24 was 2,051 with 2,675 loans totaling $22,629,393 and with 4,015 share deposits accounts totaling $43,344,762.

Activities or mission (Part I)

Provides Thrift Savings & Borrowing for member owned financial institution. The credit union provides one overall activity; that being a financial cooperative providing thrift savings, borrowing and other financial services to our members/owners.

  • Regarding members and the member deposit side of the balance sheet, members gained from 2,027 to 2,051. And member deposit accounts decreased to 4,015 and balance decreased to $43,344,762. Debit cards and transactions continued to grow, along with transactions on the credit union's atm. Depositing and check cashing services at the member services counter continued to grow.

    Expenses $2,347,036 · Revenue $2,181,139

  • Loan services with 2,675 loans made for $22,629,393 as well as other services around loans, such as offering mechanical breakdown insurance coverage on auto loans. And offering insurance coverage for members if they are disabled and unable to make their payments. Various types of loans, including home loans were offered, including 1st trust, 2nd trust deed, fixed, and variable rate loans, home equity lines of credit, and credit card loans.

  • Rental income

    Revenue $66,851

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.

  • Paul Kramer

    CEO

    Total calculated
    $273,384
    From this org
    $225,761
    From related orgs
    $0
    Other
    $47,623
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $222,761
    Bonus
    $3,000
    Other
    $0
    Deferred
    $0
    Nontaxable benefits
    $47,623
    Filer's total
    $273,384
  • Stevem McAdams

    Director

    Total calculated
    $0
    Hours/week
    1
  • Art Solis

    Chairperson

    Total calculated
    $0
    Hours/week
    4
  • John Jacobson

    Director

    Total calculated
    $0
    Hours/week
    1
  • Curtis Tong

    Director

    Total calculated
    $0
    Hours/week
    2
  • Sally Siemak

    Director

    Total calculated
    $0
    Hours/week
    1
  • Jeff Noyer

    Director

    Total calculated
    $0
    Hours/week
    1
  • David Parks

    Secretary

    Total calculated
    $0
    Hours/week
    4

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
    $2,181,139
    Expenses
    $2,347,036
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $1,994,835
    Expenses
    $2,023,565
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $2,135,824
    Expenses
    $2,150,717
    Contributions
    $0
    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
    $1,813,405
    Expenses
    $1,796,827
    Assets (EOY)
    $56,104,925
  • 2020 · 990

    Revenue
    $1,733,439
    Expenses
    $1,960,329
    Assets (EOY)
    $50,007,776
  • 2019 · 990

    Revenue
    $1,713,924
    Expenses
    $1,611,565
    Assets (EOY)
    $45,211,707
  • 2018 · 990

    Revenue
    $1,627,383
    Expenses
    $1,447,592
    Assets (EOY)
    $45,208,736
  • 2017 · 990

    Revenue
    $1,424,534
    Expenses
    $1,304,834
    Assets (EOY)
    $47,456,139
  • 2016 · 990

    Revenue
    $1,410,996
    Expenses
    $1,076,379
    Assets (EOY)
    $45,612,762
  • 2015 · 990

    Revenue
    $1,369,648
    Expenses
    $1,180,482
    Assets (EOY)
    $41,722,704
  • 2014 · 990

    Revenue
    $1,384,795
    Expenses
    $1,530,761
    Assets (EOY)
    $39,184,089
  • 2013 · 990

    Revenue
    $1,444,199
    Expenses
    $1,330,256
    Assets (EOY)
    $38,962,990
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $1,500,964
    Assets (EOY)
    $39,020,853

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 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.