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EVERWISE CREDIT UNION

EIN 35-0702986 SOUTH BEND, IN

Revenue 2024
$329,956,987
Expenses 2024
$301,285,359

As filed

Subsection
14
Classification
1000
Street
110 S MAIN 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).

Group exemption

A subordinate covered by the group exemption of DEPARTMENT OF FINANCIAL INSTITUTION DIVISION OF CREDIT UNIONS IN IND (EIN 35-6044063). 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

State Chartered Credit Union

  • In 2024, we continued our dedication to empowering our members and fostering a first-class workplace for our employees. We acquired land for two new branches in Hamilton County to expand our presence in central Indiana and introduced four Employee Resource Groups to provide our employees with professional development, leadership opportunities, and internal networking. 2024 marked our first full year as Everwise Credit Union, celebrating the completion of our re-founding journey. Despite a volatile and challenging environment for the banking industry, Everwise remained resilient and operated profitably. Deposits grew by 9.98%, loans outstanding increased 2.61%, and net income was $28.67 million. Through Everwise and the Everwise Foundation, we contributed over $900,000 to various organizations, with more than 600 dedicated employees volunteering at 45 non-profit locations throughout our markets.

    Expenses $301,285,359 · Grants $305,964 · Revenue $329,956,987

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 Aranowski

    Assistant Treasurer

    Total calculated
    $40,635
    From this org
    $36,000
    From related orgs
    $0
    Other
    $4,635
    Hours/week
    5 + 1 related

  • Diane Maas

    Treasurer

    Total calculated
    $47,916
    From this org
    $41,169
    From related orgs
    $0
    Other
    $6,747
    Hours/week
    5 + 1 related

  • Jackie Morales

    Assistant Secretary

    Total calculated
    $40,621
    From this org
    $36,000
    From related orgs
    $0
    Other
    $4,621
    Hours/week
    5 + 1 related

  • James Dubois

    Secretary

    Total calculated
    $47,058
    From this org
    $40,234
    From related orgs
    $0
    Other
    $6,824
    Hours/week
    5 + 1 related

  • Thea Kelly

    Vice Chairman

    Total calculated
    $44,624
    From this org
    $37,800
    From related orgs
    $0
    Other
    $6,824
    Hours/week
    5 + 1 related

  • Vincent Henderson

    Chairman

    Total calculated
    $61,225
    From this org
    $52,505
    From related orgs
    $0
    Other
    $8,720
    Hours/week
    5 + 1 related

  • Arthur Vasquez

    Board Member (STARTED 05/2024)

    Total calculated
    $35,970
    From this org
    $32,700
    From related orgs
    $0
    Other
    $3,270
    Hours/week
    5 + 1 related

  • John Myers

    Board member

    Total calculated
    $48,088
    From this org
    $39,975
    From related orgs
    $0
    Other
    $8,113
    Hours/week
    5 + 1 related

  • Shirley Golichowski

    Board member

    Total calculated
    $46,083
    From this org
    $36,900
    From related orgs
    $0
    Other
    $9,183
    Hours/week
    5 + 1 related

  • ANGELA DVORAK

    CHIEF MARKETING & GROWTH OFFICER

    Total calculated
    $312,672
    From this org
    $277,888
    From related orgs
    $0
    Other
    $34,784
    Hours/week
    45 + 1 related

    Schedule J breakdown matched by us

    Base
    $263,327
    Bonus
    $14,152
    Other
    $409
    Deferred
    $33,929
    Nontaxable benefits
    $855
    Filer's total
    $312,672

  • Daniel Rousseve

    Chief Information Officer

    Total calculated
    $396,551
    From this org
    $345,998
    From related orgs
    $0
    Other
    $50,553
    Hours/week
    45 + 1 related

    Schedule J breakdown matched by us

    Base
    $310,632
    Bonus
    $34,896
    Other
    $470
    Deferred
    $40,367
    Nontaxable benefits
    $10,186
    Filer's total
    $396,551

  • Jason Osterhage

    President & CEO

    Total calculated
    $793,071
    From this org
    $744,495
    From related orgs
    $0
    Other
    $48,576
    Hours/week
    45 + 1 related

    Schedule J breakdown matched by us

    Base
    $686,884
    Bonus
    $46,961
    Other
    $10,650
    Deferred
    $37,001
    Nontaxable benefits
    $11,575
    Filer's total
    $793,071

  • LYNDSAY MILLER

    CHIEF LEGAL & RISK OFFICER (START 07/2024)

    Total calculated
    $134,001
    From this org
    $114,398
    From related orgs
    $0
    Other
    $19,603
    Hours/week
    45 + 1 related

  • MICHAEL LONDON

    CHIEF OF ACCOUNT & CREDIT OPERATIONS (START 04/2024)

    Total calculated
    $227,455
    From this org
    $198,252
    From related orgs
    $0
    Other
    $29,203
    Hours/week
    45 + 1 related

    Schedule J breakdown matched by us

    Base
    $190,385
    Bonus
    $7,500
    Other
    $367
    Deferred
    $23,746
    Nontaxable benefits
    $5,457
    Filer's total
    $227,455

  • Nancy Engelmann

    Chief Human Resources Officer

    Total calculated
    $429,205
    From this org
    $364,090
    From related orgs
    $0
    Other
    $65,115
    Hours/week
    45 + 1 related

    Schedule J breakdown matched by us

    Base
    $322,519
    Bonus
    $39,591
    Other
    $1,980
    Deferred
    $58,079
    Nontaxable benefits
    $7,036
    Filer's total
    $429,205

  • Norman Buchanan

    Chief Strategic Bus. Transformation Officer

    Total calculated
    $405,324
    From this org
    $328,712
    From related orgs
    $0
    Other
    $76,612
    Hours/week
    45 + 1 related

    Schedule J breakdown matched by us

    Base
    $310,750
    Bonus
    $16,627
    Other
    $1,335
    Deferred
    $63,101
    Nontaxable benefits
    $13,511
    Filer's total
    $405,324

  • PAUL LETOURNEAU

    SR VP COMMERCIAL CREDIT & SPECIALTY FINANCE (START 03/2024)

    Total calculated
    $233,545
    From this org
    $204,468
    From related orgs
    $0
    Other
    $29,077
    Hours/week
    45 + 1 related

    Schedule J breakdown matched by us

    Base
    $196,154
    Bonus
    $7,500
    Other
    $814
    Deferred
    $29,077
    Nontaxable benefits
    $0
    Filer's total
    $233,545

  • Todd Brown

    Chief Financial Officer

    Total calculated
    $439,108
    From this org
    $376,380
    From related orgs
    $0
    Other
    $62,728
    Hours/week
    45 + 1 related

    Schedule J breakdown matched by us

    Base
    $345,607
    Bonus
    $30,083
    Other
    $690
    Deferred
    $49,217
    Nontaxable benefits
    $13,511
    Filer's total
    $439,108

  • Waylon Peterson

    President, Everwise Wealth Management

    Total calculated
    $533,166
    From this org
    $445,432
    From related orgs
    $0
    Other
    $87,734
    Hours/week
    45 + 1 related

    Schedule J breakdown matched by us

    Base
    $191,993
    Bonus
    $252,705
    Other
    $734
    Deferred
    $74,223
    Nontaxable benefits
    $13,511
    Filer's total
    $533,166

  • Daniel Woodhouse

    Financial Advisor III

    Total calculated
    $481,045
    From this org
    $430,619
    From related orgs
    $0
    Other
    $50,426
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $41,368
    Bonus
    $389,181
    Other
    $70
    Deferred
    $38,985
    Nontaxable benefits
    $11,441
    Filer's total
    $481,045

  • Nicole Alcorn

    VP, Chief Member Experience Officer

    Total calculated
    $434,475
    From this org
    $398,828
    From related orgs
    $0
    Other
    $35,647
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $381,376
    Bonus
    $16,770
    Other
    $682
    Deferred
    $35,647
    Nontaxable benefits
    $0
    Filer's total
    $434,475

  • Randall Tarter

    Financial Advisor III

    Total calculated
    $432,539
    From this org
    $407,524
    From related orgs
    $0
    Other
    $25,015
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $41,368
    Bonus
    $366,141
    Other
    $15
    Deferred
    $13,862
    Nontaxable benefits
    $11,153
    Filer's total
    $432,539

  • RICHARD GREEN

    SBA & USDA RELATIONSHIP MANAGER

    Total calculated
    $348,821
    From this org
    $302,794
    From related orgs
    $0
    Other
    $46,027
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $146,219
    Bonus
    $156,394
    Other
    $181
    Deferred
    $41,157
    Nontaxable benefits
    $4,870
    Filer's total
    $348,821

  • Victoria Partaker

    Mortgage Sales Manager

    Total calculated
    $400,747
    From this org
    $363,479
    From related orgs
    $0
    Other
    $37,268
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $93,784
    Bonus
    $269,263
    Other
    $432
    Deferred
    $37,268
    Nontaxable benefits
    $0
    Filer's total
    $400,747

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
    $329,956,987
    Expenses
    $301,285,359
    Contributions
    $0
    Grants paid
    $305,964
  • 2023
    Revenue
    $286,472,569
    Expenses
    $252,322,312
    Contributions
    $0
    Grants paid
    $309,028
  • 2022
    Revenue
    $234,639,519
    Expenses
    $175,893,067
    Contributions
    $0
    Grants paid
    $304,699

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
    $198,079,661
    Expenses
    $162,672,107
    Assets (EOY)
    $4,498,999,331

  • 2018 · 990

    Revenue
    $151,831,106
    Expenses
    $132,467,338
    Assets (EOY)
    $3,171,131,618

  • 2017 · 990

    Revenue
    $138,493,915
    Expenses
    $121,035,766
    Assets (EOY)
    $3,127,095,775

  • 2016 · 990

    Revenue
    $128,428,633
    Expenses
    $112,308,007
    Assets (EOY)
    $3,025,349,817

  • 2015 · 990

    Revenue
    $119,705,850
    Expenses
    $107,123,073
    Assets (EOY)
    $2,861,691,643

  • 2014 · 990

    Revenue
    $116,872,967
    Expenses
    $103,688,852
    Assets (EOY)
    $2,649,806,144

  • 2013 · 990

    Revenue
    $113,898,109
    Expenses
    $102,426,862
    Assets (EOY)
    $2,382,590,333

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $108,754,675
    Assets (EOY)
    $2,349,535,058

  • 2011 · 990

    Revenue
    not reported
    Expenses
    $113,339,053
    Assets (EOY)
    $2,159,963,450

  • 2010 · 990

    Revenue
    not reported
    Expenses
    $117,499,352
    Assets (EOY)
    $2,001,041,257

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

  • Everwise Foundaion

    $309,028

    2023 The Grant is a set funding amount from Everwise Credit Union for community involvement on an annual basis. These funds are then contributed to qualified organizations based on the vision and bylaws of the Everwise Foundation.

  • Everwise Foundation

    $305,964

    2024 The grant is a set funding amount from Everwise Credit Union for community involvement on an annual basis. These funds are then contributed to qualified organizations based on the vision and bylaws of the Everwise Foundation.

  • Everwise Foundation

    $304,699

    2022 The Grant is a set funding amount from Everwise Credit Union for community involvement on an annual basis. These funds are then contributed to qualified organizations based on the vision and bylaws of the Everwise Foundation.

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

Declared as related by

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

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 26 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.