Is it real?
Yes. Exemption reinstated (2010-05-15). Per the IRS revocation list. Latest filing on record: FY2025. IRS ruling in Dec 2013.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
10 people listed on the 990; $324K paid to officers and key staff.
Stephen Cordisco’s $164K as CEO is at the 55th 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 · 6 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Stephen Cordisco | $163,558 | $162,342 | $139,103 | $135,052 | — | $125,000 |
| Stephen D Cordisco | — | — | — | — | $132,500 | — |
| Kevin Backstrom | — | $43,464 | $127,835 | $125,329 | — | $116,000 |
| Keviv Backstrom | — | — | — | — | $123,320 | — |
| John Doyle | $88,677 | $72,455 | $56,700 | $50,306 | — | — |
| Maxine Kunyczka | — | — | — | — | — | $14,569 |
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.
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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
Offers affordable financial services to its members.
Questions for Access Credit Union
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To provide financial services to members at a reduced or no cost
By the numbers
The FY2023 990, line by line.
Download 990
| Line | Start FY23 | End FY23 |
|---|---|---|
| Cash and savingsLn 1–2 | $18.5M | $23.1M |
| Land, buildings, equipmentLn 10c | $1.3M | $1.3M |
| Total assetsLn 16 | $54.1M | $58.9M |
| LiabilitiesLn 26 | $47.3M | $52.0M |
| Net assetsLn 32 | $6.8M | $6.9M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $0 | |||
| Grants to domestic individualsLn 2 | $0 | |||
| Grants and assistance to foreign recipientsLn 3 | $0 | |||
| Benefits paid to or for membersLn 4 | $0 | |||
| Pay of current officers, directors and key staffLn 5 | $391K | |||
| Pay of disqualified personsLn 6 | $0 | |||
| Other salaries and wagesLn 7 | $334K | |||
| Pension plan contributionsLn 8 | $21K | |||
| Other employee benefitsLn 9 | $56K | |||
| Payroll taxesLn 10 | $53K | |||
| Management feesLn 11a | $0 | |||
| Legal feesLn 11b | $4K | |||
| Accounting feesLn 11c | $49K | |||
| Lobbying feesLn 11d | $0 | |||
| Professional fundraising feesLn 11e | $0 | |||
| Investment management feesLn 11f | $0 | |||
| Other fees for servicesLn 11g | $0 | |||
| Advertising and promotionLn 12 | $40K | |||
| Office expensesLn 13 | $58K | |||
| Information technologyLn 14 | $205K | |||
| RoyaltiesLn 15 | $0 | |||
| OccupancyLn 16 | $194K | |||
| TravelLn 17 | $0 | |||
| Travel and entertainment for public officialsLn 18 | $0 | |||
| Conferences, conventions and meetingsLn 19 | $0 | |||
| InterestLn 20 | $382K | |||
| Payments to affiliatesLn 21 | $0 | |||
| Depreciation, depletion and amortizationLn 22 | $34K | |||
| InsuranceLn 23 | $33K | |||
| Other expenses (24a–d)Ln 24 | $306K | |||
| All other expensesLn 24e | $89K | |||
| Total functional expensesLn 25 | $2.2M | $0 | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest | $3.6M | $3.0M | $569K | $8.1M | 990 PDF |
| FY2024 | $3.2M | $2.9M | $390K | $7.4M | 990 PDF |
| FY2023 Viewing | $2.6M | $2.2M | $323K | $6.9M | 990 PDF |
| FY2022 | $2.2M | $1.9M | $266K | $6.8M | 990 PDF |
| FY2021 | $2.0M | $1.9M | $154K | $6.8M | 990 PDF |
| FY2020 | $2.0M | $1.8M | $219K | $6.7M | 990 PDF |
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Schedules filed Part IV
See the full FY2023 990 (6 parts)
Part I · Summary $2,572,890 revenue, 12 lines filed
Part VI · Governance 7 of 10 board members independent, no flags
Part VIII · Statement of revenue $2,572,890 across 9 lines filed
Part IX · Statement of functional expenses $2,249,671 across 31 lines filed
Part X · Balance sheet $58,906,188 assets, 17 lines filed
Part XI · Reconciliation of net assets $6,937,235 net assets at year end
Form 990 e-file (XML) FY2023 from the IRS · Classification, formation year and address from the IRS Business Master File
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