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1385 Kh Network Credit Union

Not tax-deductible

Dayton, OHMutual-benefit / member-servingMutual / membership EIN 31-0714622Revenue $4.1M in FY2024Latest return filed Oct 20, 2025

On file with the IRSkhnetworkcu.comDayton, OHTax-exempt since Apr 1969

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To provide quality financial services to members.

Form 990 Part I, line 1, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 31-0714622) · Dispute this line
Run by 8 volunteers and 18 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
Tax-deductible gifts
No
Donations are not tax-deductible
The IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
The latest return is for FY2024, 2 tax years back.
IRS e-file · Filing history
Surplus or deficit
5 of 5
filings with a surplus
Average surplus $393K a year · 11% of revenue · last 5 filings
A surplus in 5 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Pay to officers and key staff
$176K
to officers and key staff · 5% of spending
Pay to officers and key staff is 5% of spending.
Part VII, Section A
Cash reserves
33.2 mo
of spending, in cash
Plus $15.8M in investments, Pt X · Ln 11–13
33.2 months of spending in cash.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$63.1M
88% of total assets
Liabilities are 88% of assets.
Pt X · Ln 26
Independent board members
8
of 9 voting members
8 of 9 voting members are independent.
Pt VI · Ln 1a–1b
In line with peersDifferent from peersFar from peersNo peer rangeNo data yetTap a box for the reason.
Revenue
$4.1M
+9% vs prior year
Spent
$3.7M
Net assets
$8.3M
By yearFY2020–FY2024
Revenue
$4.1M
FY2024▲ +9%
Tap a bar for its year
Revenue by fiscal year
FY2020$3.4M
FY2021$3.1M
FY2022$3.2M
FY2023$3.7M
FY2024$4.1M
Expenses
$3.7M
FY2024▲ +15%
Tap a bar for its year
Expenses by fiscal year
FY2020$3.1M
FY2021$2.8M
FY2022$2.8M
FY2023$3.2M
FY2024$3.7M
Net assets
$8.3M
FY2024▲ +5%
Tap a bar for its year
Net assets by fiscal year
FY2020$6.7M
FY2021$7.0M
FY2022$7.4M
FY2023$7.9M
FY2024$8.3M

From the FY2024 Form 990 · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Apr 1969.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

9 people listed on the 990; $176K paid to officers and key staff (Part VII, Section A).

Part VII, Section A · reportable compensation
Bradley Mader
President/Treasurer
$175,561Pt VII · Sec A
Catherine Heath
Board Vice Chair
$0Pt VII · Sec A
Ireland Dowdy
Board Member
$0Pt VII · Sec A
Matthew Dabbelt
Board Chair
$0Pt VII · Sec A
Peggy Smith
Board Member
$0Pt VII · Sec A
Joseph Feller
Board Secretary
$0Pt VII · Sec A
Michael Berry
Board Member
$0Pt VII · Sec A
Krysti Jordan
Board Member
$0Pt VII · Sec A

Compensation history total reportable pay by year · 2 named individuals · Part VII

NameFY2024FY2023FY2022FY2021FY2020
Bradley Mader$175,561$160,538$145,426$146,516$143,420
Stephanie Etienne——$116,919$115,624$100,185

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 1385 Kh Network 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

Offers members quality financial services.

Questions for 1385 Kh Network Credit Union

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1 program · in their own filed words · FY2024
01

Provide financial services 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 31-0714622) · Dispute this line
Pt IX · Ln 25 · col B

By the numbers

The FY2024 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$4.1M
Ln 12
Fees for servicesLn 2g$3.3M
Investment incomeLn 3$806K
Money outPt IX
$3.7M
Ln 25
Owns and owesPt X
$8.3M
net assets · Ln 32
Cash and savingsLn 1–2$10.2M
Total assetsLn 16$71.4M
LiabilitiesLn 26$63.1M
PeoplePt VI, VII
9
listed · VII A
PaidVII A1
Voting boardVI 1a9
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$3.3M
Investment incomeLn 3$806K
Total revenueLn 12$4.1M
Assets in detailPt X, end of year
CashLn 1$1.3M
SavingsLn 2$8.9M
Cash and savings togetherLn 1–2$10.2M
Notes and loans receivableLn 7$43.1M
Land, buildings, equipmentLn 10c$805K
InvestmentsLn 11–13$15.8M
Other assetsLn 15$1.4M
Total assetsLn 16$71.4M
LiabilitiesLn 26$63.1M
Net assetsLn 32$8.3M
OperationsPt I, VI
EmployeesI 518
VolunteersI 68
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$3.4M$10.2M
InvestmentsLn 11–13$16.0M$15.8M
Land, buildings, equipmentLn 10c$889K$805K
Total assetsLn 16$70.8M$71.4M
LiabilitiesLn 26$62.8M$63.1M
Net assetsLn 32$7.9M$8.3M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of officers and key staff (Part IX, line 5)Ln 5$176K
Other salaries and wagesLn 7$746K
Pension plan contributionsLn 8$34K
Other employee benefitsLn 9$121K
Payroll taxesLn 10$65K
Other fees for servicesLn 11g$103K
Advertising and promotionLn 12$82K
Office expensesLn 13$715K
InterestLn 20$923K
Depreciation, depletion and amortizationLn 22$111K
Other expenses (24a–d)Ln 24$624K
Total functional expensesLn 25$3.7M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest ViewingFiled with the IRS Oct 20, 2025 $4.1M$3.7M$370K$8.3M 990 PDF
FY2023Filed with the IRS Nov 15, 2024 $3.7M$3.2M$515K$7.9M 990 PDF
FY2022Filed with the IRS Oct 26, 2023 $3.2M$2.8M$386K$7.4M 990 PDF
FY2021Filed with the IRS Nov 2, 2022 $3.1M$2.8M$360K$7.0M 990 PDF
FY2020Filed with the IRS Nov 9, 2021 $3.4M$3.1M$335K$6.7M 990 PDF

Schedules filed Part IV

A · Public support I · Grants J · Pay O · Explanations
See the full FY2024 990
Part I · Summary $4,068,681 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $3,191,077$3,263,034
I-10 Investment incomePrior year $553,715$805,647
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $3,744,792$4,068,681
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $1,184,198$1,141,809
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $2,045,627$2,556,749
I-18 Total expensesPrior year $3,229,825$3,698,558
I-19 Revenue less expensesPrior year $514,967$370,123
Part VI · Governance 8 of 9 board members independent, no flags
VI-1a Voting members of the governing body9
VI-1b Independent voting members8
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $4,068,681 across 3 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $3,243,685 · Unrelated business $19,349$3,263,034
VIII-3 Investment incomeExcluded from tax $805,647$805,647
VIII-12 Total revenueRelated to mission $3,243,685 · Unrelated business $19,349 · Excluded from tax $805,647$4,068,681
Part IX · Statement of functional expenses $3,698,558 across 11 lines filed
IX-5 Pay of officers and key staff (Part IX, line 5)$175,561
IX-7 Other salaries and wages$745,707
IX-8 Pension plan contributions$33,925
IX-9 Other employee benefits$121,348
IX-10 Payroll taxes$65,268
IX-11g Other fees for services$102,514
IX-12 Advertising and promotion$82,417
IX-13 Office expenses$714,590
IX-20 Interest$922,820
IX-22 Depreciation, depletion and amortization$110,573
IX-24 Other expenses (24a–d)$623,835
IX-25 Total functional expenses$3,698,558
Part X · Balance sheet $71,386,010 assets, 16 lines filed
X-1 Cash, non-interest-bearingStart of year $1,046,817$1,295,261
X-2 Savings and temporary cash investmentsStart of year $2,313,093$8,922,164
X-7 Notes and loans receivableStart of year $49,317,678$43,110,677
X-10c Land, buildings and equipment, netStart of year $888,834$804,780
X-12 Other securitiesStart of year $16,026,994$15,816,794
X-15 Other assetsStart of year $1,175,749$1,436,334
X-16 Total assetsStart of year $70,769,165$71,386,010
X-17 Accounts payable and accrued expensesStart of year $268,099$294,485
X-24 Unsecured notes and loans payable$126,930
X-25 Other liabilitiesStart of year $62,561,182$62,654,588
X-26 Total liabilitiesStart of year $62,829,281$63,076,003
X-29 Capital stock or trust principalStart of year $0$0
X-30 Paid-in or capital surplusStart of year $0$0
X-31 Retained earnings or endowmentStart of year $7,939,884$8,310,007
X-32 Total net assets or fund balancesStart of year $7,939,884$8,310,007
X-33 Total liabilities and net assetsStart of year $70,769,165$71,386,010
Part XI · Reconciliation of net assets $8,310,007 net assets at year end
XI-1 Total revenue$4,068,681
XI-2 Total expenses$3,698,558
XI-3 Revenue less expenses$370,123
XI-4 Net assets at start of year$7,939,884
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$8,310,007

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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