Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Nov 1934.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
60 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
Something off? Claim to add context
Who runs it and what they're paid
11 people listed on the 990; $214K paid to officers and key staff (Part VII, Section A).
Laura Ybarra’s $210K as Pres., CEO & Director is at the 73rd percentile of top reported officer pay among 731 $1–10M public & societal benefit nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.
Compensation history total reportable pay by year · 5 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Debra C Mark | — | — | $22,451 | $218,591 | $177,135 |
| Laura Ybarra | $210,307 | $202,455 | $187,281 | $126,654 | — |
| John J Naughton | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
| Scott Morrison | $1,500 | $1,375 | — | — | — |
| Stephen Rossetti | — | — | $1,500 | $1,500 | $1,500 |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
See Allcom Credit Union executive salaries →Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Provides loans and accepts deposits for members, paying dividends on savings.
Questions for Allcom Credit Union
Your first name shows with your question. Allcom Credit Union answers here, for everyone.
Granting of credit (consumer and mortgage loan products) to members.
Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 04-1163260) · Dispute this lineDividends and interest paid on members deposits.
Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 04-1163260) · Dispute this lineOffering of debit and credit card services for member purchases.
Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 04-1163260) · Dispute this lineBy the numbers
The FY2024 990, line by line.
Download 990
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $18.7M | $22.0M |
| InvestmentsLn 11–13 | $11.6M | $7.8M |
| Land, buildings, equipmentLn 10c | $2.1M | $2.0M |
| Total assetsLn 16 | $78.7M | $79.0M |
| LiabilitiesLn 26 | $67.2M | $66.9M |
| Net assetsLn 32 | $11.5M | $12.1M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Benefits paid to or for membersLn 4 | $725K | $725K | ||
| Pay of officers and key staff (Part IX, line 5)Ln 5 | $245K | $245K | ||
| Other salaries and wagesLn 7 | $708K | $472K | $236K | |
| Pension plan contributionsLn 8 | $57K | $38K | $19K | |
| Other employee benefitsLn 9 | $126K | $78K | $49K | |
| Payroll taxesLn 10 | $79K | $44K | $36K | |
| Accounting feesLn 11c | $28K | $28K | ||
| Advertising and promotionLn 12 | $75K | $75K | ||
| Office expensesLn 13 | $76K | $76K | ||
| OccupancyLn 16 | $147K | $147K | ||
| Conferences, conventions and meetingsLn 19 | $16K | $16K | ||
| Depreciation, depletion and amortizationLn 22 | $139K | $139K | ||
| InsuranceLn 23 | $20K | $20K | ||
| Other expenses (24a–d)Ln 24 | $691K | $519K | $171K | |
| All other expensesLn 24e | $63K | $37K | $26K | |
| Total functional expensesLn 25 | $3.2M | $1.9M | $1.3M | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest ViewingFiled with the IRS Sep 11, 2025 | $3.7M | $3.2M | $496K | $12.1M | 990 PDF |
| FY2023Filed with the IRS Jun 21, 2024 | $3.3M | $2.7M | $585K | $11.5M | 990 PDF |
| FY2022Filed with the IRS Aug 23, 2023 | $2.6M | $2.3M | $314K | $10.5M | 990 PDF |
| FY2021Filed with the IRS Oct 7, 2022 | $2.5M | $2.4M | $108K | $11.5M | 990 PDF |
| FY2020Filed with the IRS Jul 23, 2021 | $2.6M | $2.5M | $101K | $11.6M | 990 PDF |
Schedules filed Part IV
See the full FY2024 990
Part I · Summary $3,691,561 revenue, 12 lines filed
Part VI · Governance 10 of 11 board members independent, no flags
Part VIII · Statement of revenue $3,691,561 across 5 lines filed
Part IX · Statement of functional expenses $3,195,774 across 15 lines filed
Part X · Balance sheet $78,978,570 assets, 18 lines filed
Part XI · Reconciliation of net assets $12,109,627 net assets at year end
Form 990 e-file FY2024 from the IRS (about our sources) · Classification, formation year and address from the IRS Business Master File
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