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CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO

EIN 84-0470451 COLORADO SPRINGS, CO

Largest nonprofits in Colorado

Revenue 2023
$534,822,373
Expenses 2023
$474,438,526

As filed

Subsection
14
Classification
1000
Street
11550 ENT PARKWAY

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 CHARTERED IN COLORADO (EIN 84-6000457). 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 · 2023

Mission

THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' FINANCIAL QUALITY OF LIFE.

Activities or mission (Part I)

THE MISSION OF ENT CREDIT UNION IS TO HELP MEMBERS IMPROVE THEIR FINANCIAL QUALITY OF LIFE.

  • ENT CREDIT UNION SERVES 21 COUNTIES THROUGHOUT COLORADO, ALONG THE FRONT RANGE. THE CREDIT UNION IMPROVES OUR MEMBERS' FINANCIAL QUALITY OF LIFE BY OFFERING A FULL ARRAY OF PRODUCTS AND SERVICES, INCLUDING DEPOSITORY AND LOAN PRODUCTS, ATM/DEBIT PROGRAM, FINANCIAL EDUCATION, INSURANCE, AND INVESTMENT SALES. WE ENDED THE YEAR WITH 533,480 MEMBERS. THERE WERE 73,078 LOANS GRANTED TOTALING $2,832,511,967. ENT CREDIT UNION CURRENTLY OFFERS 55 BRANCH LOCATIONS WITH A WIDE ARRAY OF REMOTE OPTIONS THROUGH OUR COOPERATION WITH THE COOP ATM NETWORK, SHARED BRANCH NETWORK, AND ONLINE MOBILE BANKING SOLUTIONS.

As filed on the 2023 return.

Officers and directors · 2023

As listed in Part VII of the 2023 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Ayen William

    CHAIRMAN

    Total calculated
    $68,875
    From this org
    $68,875
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Chandler Debbie

    TREASURER

    Total calculated
    $39,250
    From this org
    $39,250
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Nicholson Pam

    VICE CHAIRMAN

    Total calculated
    $65,764
    From this org
    $65,764
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Vadala Chris

    SECRETARY

    Total calculated
    $61,000
    From this org
    $61,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Drummer Tim

    DIRECTOR

    Total calculated
    $57,458
    From this org
    $57,458
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Glover Walter

    DIRECTOR

    Total calculated
    $56,638
    From this org
    $56,638
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Henz Kay

    DIRECTOR

    Total calculated
    $55,000
    From this org
    $55,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Kalletta Richard

    DIRECTOR

    Total calculated
    $30,500
    From this org
    $30,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Martinez Ron

    DIRECTOR

    Total calculated
    $58,000
    From this org
    $58,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Galgano Jeffrey

    DIRECTOR

    Total calculated
    $34,200
    From this org
    $34,200
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Graves Chad M

    PRESIDENT/CEO

    Total calculated
    $3,427,572
    From this org
    $2,894,314
    From related orgs
    $0
    Other
    $533,258
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $900,000
    Bonus
    $494,935
    Other
    $1,499,379
    Deferred
    $514,700
    Nontaxable benefits
    $18,558
    Filer's total
    $3,427,572
  • Coon Mary J

    CHIEF FINANCIAL OFFICER - PART YEAR

    Total calculated
    $304,000
    From this org
    $278,719
    From related orgs
    $0
    Other
    $25,281
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $11,493
    Bonus
    $0
    Other
    $267,226
    Deferred
    $24,909
    Nontaxable benefits
    $372
    Filer's total
    $304,000
  • Leclerc Dan N

    CHIEF FINANCIAL OFFICER

    Total calculated
    $832,630
    From this org
    $784,372
    From related orgs
    $0
    Other
    $48,258
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $375,000
    Bonus
    $142,609
    Other
    $266,763
    Deferred
    $29,700
    Nontaxable benefits
    $18,558
    Filer's total
    $832,630
  • Gendron Matthew J

    CHIEF ENGAGEMENT OFFICER

    Total calculated
    $1,071,387
    From this org
    $1,027,979
    From related orgs
    $0
    Other
    $43,408
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $486,054
    Bonus
    $184,841
    Other
    $357,084
    Deferred
    $29,700
    Nontaxable benefits
    $13,708
    Filer's total
    $1,071,387
  • Scholes Richard A

    CHIEF EXPERIENCE OFFICER

    Total calculated
    $1,111,509
    From this org
    $1,021,251
    From related orgs
    $0
    Other
    $90,258
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $486,054
    Bonus
    $184,841
    Other
    $350,356
    Deferred
    $71,700
    Nontaxable benefits
    $18,558
    Filer's total
    $1,111,509
  • Bell Mollie B

    CHIEF DEVELOPMENT OFFICER

    Total calculated
    $953,494
    From this org
    $870,165
    From related orgs
    $0
    Other
    $83,329
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $477,026
    Bonus
    $181,408
    Other
    $211,731
    Deferred
    $69,700
    Nontaxable benefits
    $13,629
    Filer's total
    $953,494
  • Kellner Robert C

    CHIEF RISK OFFICER - PART YEAR

    Total calculated
    $529,792
    From this org
    $519,666
    From related orgs
    $0
    Other
    $10,126
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $67,314
    Bonus
    $0
    Other
    $452,352
    Deferred
    $7,238
    Nontaxable benefits
    $2,888
    Filer's total
    $529,792
  • Marshall Christopher J

    CHIEF TECHNOLOGY OFFICER

    Total calculated
    $829,297
    From this org
    $789,335
    From related orgs
    $0
    Other
    $39,962
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $392,827
    Bonus
    $149,388
    Other
    $247,120
    Deferred
    $29,700
    Nontaxable benefits
    $10,262
    Filer's total
    $829,297
  • Vogeney William D

    CHIEF REVENUE OFFICER - PART YEAR

    Total calculated
    $1,026,627
    From this org
    $983,219
    From related orgs
    $0
    Other
    $43,408
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $450,393
    Bonus
    $171,242
    Other
    $361,584
    Deferred
    $29,700
    Nontaxable benefits
    $13,708
    Filer's total
    $1,026,627
  • Sussman Jennifer S

    CHIEF MARKETING OFFICER

    Total calculated
    $923,106
    From this org
    $784,848
    From related orgs
    $0
    Other
    $138,258
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $402,736
    Bonus
    $153,156
    Other
    $228,956
    Deferred
    $119,700
    Nontaxable benefits
    $18,558
    Filer's total
    $923,106
  • Paukovich Jon A

    CHIEF LENDING OFFICER

    Total calculated
    $858,847
    From this org
    $746,589
    From related orgs
    $0
    Other
    $112,258
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $338,974
    Bonus
    $128,908
    Other
    $278,707
    Deferred
    $93,700
    Nontaxable benefits
    $18,558
    Filer's total
    $858,847
  • Allman Gina L

    MORT LOAN OFFICER-EXT

    Total calculated
    $349,441
    From this org
    $309,835
    From related orgs
    $0
    Other
    $39,606
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $50,000
    Bonus
    $255,364
    Other
    $4,471
    Deferred
    $21,888
    Nontaxable benefits
    $17,718
    Filer's total
    $349,441
  • Bechtel Thomas

    MORT LOAN OFFICER-EXT

    Total calculated
    $314,594
    From this org
    $289,140
    From related orgs
    $0
    Other
    $25,454
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $50,000
    Bonus
    $234,597
    Other
    $4,543
    Deferred
    $17,239
    Nontaxable benefits
    $8,215
    Filer's total
    $314,594
  • Dombrowski Stephanie S

    MORT LOAN OFFICER-EXT

    Total calculated
    $897,205
    From this org
    $849,787
    From related orgs
    $0
    Other
    $47,418
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $50,000
    Bonus
    $795,122
    Other
    $4,665
    Deferred
    $29,700
    Nontaxable benefits
    $17,718
    Filer's total
    $897,205
  • Serrano-Rojas Kevin A

    MORT LOAN OFFICER-EXT

    Total calculated
    $370,531
    From this org
    $332,968
    From related orgs
    $0
    Other
    $37,563
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $55,000
    Bonus
    $273,516
    Other
    $4,452
    Deferred
    $29,700
    Nontaxable benefits
    $7,863
    Filer's total
    $370,531

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

  • 2023
    Revenue
    $534,822,373
    Expenses
    $474,438,526
    Contributions
    $0
    Grants paid
    $1,999,219
  • 2022
    Revenue
    $406,110,668
    Expenses
    $334,117,318
    Contributions
    $0
    Grants paid
    $2,098,550

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
    $326,625,920
    Expenses
    $273,872,799
    Assets (EOY)
    $8,749,547,485
  • 2020 · 990

    Revenue
    $285,590,472
    Expenses
    $253,933,673
    Assets (EOY)
    $7,489,436,406
  • 2019 · 990

    Revenue
    $285,571,543
    Expenses
    $216,153,465
    Assets (EOY)
    $6,685,914,011
  • 2018 · 990

    Revenue
    $244,756,615
    Expenses
    $186,430,088
    Assets (EOY)
    $5,567,859,600
  • 2017 · 990

    Revenue
    $210,276,767
    Expenses
    $155,397,543
    Assets (EOY)
    $5,053,221,792
  • 2016 · 990

    Revenue
    $185,714,412
    Expenses
    $129,303,917
    Assets (EOY)
    $4,739,287,724

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.

Form 990-N e-Postcard, tax year 2023

Tax period
1 January 2023 to 31 December 2023
Principal officer
Ernesto L Montoya
Mailing address
1021 N Market Plaza Ste 107Pueblo West CO 81007

As filed, from the IRS e-Postcard file of 2 November 2026. The IRS publishes only each organization's most recent postcard, so earlier years are not shown. A 990-N carries no financial detail. The postcard also gives the principal officer's address, which is not shown here.

Grants made

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

Where these grants went next →

Grants received

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

  • ENTERPRISE FIRST FINANCIAL SERVICES LLC

    INSURANCE PRODUCTS · CO · income $0 · assets $50,000

  • ENT AUTO RECEIVABLES LLC

    SPECIAL PURPOSE SUBSIDIARY FOR SECURITIZATION ISSUANCE · DE · income $0 · assets $0

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 2023, the newest we have parsed for this organization.