Form 990 for the fiscal year ending December 2025 (IRS tax year 2025).
Helps members save, borrow affordably, and manage their money to improve their lives. For fiscal year 2025 it reported $61.4M in revenue, $55.4M in expenses, and $93.2M in net assets.Pt I
- Founded
- 1954
- Type
- Mutual-benefit / member-serving · Public & Societal Benefit
- Location
- Joliet, IL
- Website
- www.numark.org
- Filings
- 6 on file (2020–2025)
This section is blank until Numark Credit Union claims this page.
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What Funders Ask
Will my donation be tax-deductible?
WARNINGNo — not deductible
IRS records this as a this organization's type; contributions are not deductible as charitable gifts. See detail →
Can I donate to this org right now?
GOODNo revocation on IRS record
This EIN does not appear on the IRS auto-revocation list. See detail →
Is this organization up to date?
GOODYes — filed FY2025
Most recent Form 990 on file is for fiscal year 2025 (1 year ago). See detail →
Is it receiving grants from reputable foundations?
GOOD1 funder — Illinois Credit Union Foundation
1 distinct foundation funder(s) on file, $6K received in the most recent year with grants. See detail →
How is the money spent?
NEUTRALNot on file
Program vs. overhead split is not on file for this EIN's most recent filing. See detail →
What's its financial size and trend?
NEUTRAL$10–100M · ↑ +15% vs prior year
Revenue band $10–100M, +15% versus the prior filing year (up). See detail →
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Summary of the Filing
Identity & Classification
Governance & Policies
Officers, Directors & Key Employees
Michelle Balog’s $369K as President/CEO is at the 62nd percentile of top reported officer pay among 232 $10–100M 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 · 8 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Lloyd Fredendall | $232,701 | $393,074 | $401,078 | $884,503 | $354,417 | — |
| Ann Dubie | — | — | — | — | — | $432,949 |
| Michelle Balog | $368,521 | $297,841 | $293,039 | $266,138 | $251,877 | $244,850 |
| Susan Pfeiffer | $195,580 | $185,617 | — | — | — | $357,144 |
| Harold Stewart | — | — | — | — | $268,174 | $226,561 |
| Bernard Niewoehner | $219,014 | $228,106 | $224,277 | $201,387 | $184,530 | — |
| Steve Clark | $226,648 | $209,616 | $200,341 | $174,662 | — | — |
| Kevin Quinn | $225,019 | $194,063 | — | — | — | — |
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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Where the work happens
DEPOSIT/SHARE accounts (savings, checking, certificates and other) the number of DEPOSIT/SHARE accounts outstanding at 12/31/25 was 120,794.
Loans (real estate, credit card, vehicle and other) are provided to members. The number of loans outstanding at 12/31/25 was 69,358.
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Statement of Revenue
Balance Sheet
Financial Metrics
Same NTEE category, revenue band, and state where available. Descriptive — not a grade.
| Metric | This org | Peer median | Percentile |
|---|---|---|---|
| Revenue growth | 15% | — | — |
| Legal fee ratio | 0.9% | — | — |
| Accounting fee ratio | 0.3% | — | — |
Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.
Grants
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Filings & Schedule Manifest
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Sources
Names, privacy, and removal requests More
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