Status and standing
Is it real, and can you give to it?
Finances
Money in and out, what it owns and owes
Summary of the Filing
| FY2020 | $332.5M |
|---|---|
| FY2021 | $604.4M |
| FY2022 | $632.9M |
| FY2023 | $765.6M |
| FY2024 | $850.4M |
| FY2025 | $884.7M |
| FY2020 | $287.3M |
|---|---|
| FY2021 | $536.2M |
| FY2022 | $558.1M |
| FY2023 | $685.6M |
| FY2024 | $764.3M |
| FY2025 | $791.6M |
Balance Sheet
Statement of Revenue
Money in detail
Same NTEE category, revenue band, and state where available. Descriptive — not a grade.
| Metric | This org | Peer median | Percentile |
|---|---|---|---|
| Legal fees, % of spending | 0.3% | — | — |
| Accounting fees, % of spending | 0.3% | — | — |
Straight from the Form 990 — descriptive, not an evaluation. A share is hidden when its base is zero or too small to be meaningful; the dollars are always shown.
Leadership and pay
Who runs it, and what are they paid?
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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Governance & Policies
- 8Voting board membersPt VI · Ln 1a
- 8Independent board membersPt VI · Ln 1b
- Conflict-of-interest policyPt VI · Ln 12aYes
- Whistleblower policyPt VI · Ln 13Yes
- Document retention policyPt VI · Ln 14No
- Top official’s pay independently reviewedPt VI · Ln 15aYes
- Family or business ties among leadersPt VI · Ln 2No
Mission and programs
What it does.
Helps members save, borrow affordably, and manage their money to improve their lives.
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Where the work happens
DEPOSIT/SHARE accounts (savings, checking, certificates and other) the number of DEPOSIT/SHARE accounts outstanding at 12/31/20 was 72,730.
Loans (real estate, credit card, vehicle and other) are provided to members. The number of loans outstanding at 12/31/20 was 11,274.
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Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
Filing history
Every return on file.
| Year | Revenue | Expenses | Change | Filing |
|---|---|---|---|---|
| FY2025 Latest | $61.4M | $55.4M | +15% | 990 PDF |
| FY2024 | $53.6M | $47.0M | +15% | 990 PDF |
| FY2023 | $46.7M | $41.5M | +34% | 990 PDF |
| FY2022 | $35.0M | $28.4M | +7% | 990 PDF |
| FY2021 | $32.6M | $26.4M | +44% | 990 PDF |
| FY2020 Viewing | $22.6M | $17.2M | 990 PDF |
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Schedules filed Part IV
Full filing: Form 990 for FY2020
Part VIII · Statement of revenue $22,576,443 across 3 lines filed
Part IX · Statement of functional expenses $17,168,915 across 15 lines filed
Part X · Balance sheet $332,473,576 assets, 14 lines filed
Part XI · Reconciliation of net assets $45,124,701 net assets at year end
Not shown yet: ratings, outcomes, and peer benchmarks. A Form 990 doesn’t report them.
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