Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Aug 1954.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
15 people listed on the 990; $1.7M paid to officers and key staff.
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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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
Helps members save, borrow affordably, and manage their money to improve their lives.
Questions for Numark Credit Union
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DEPOSIT/SHARE accounts (savings, checking, certificates and other) the number of DEPOSIT/SHARE accounts outstanding at 12/31/22 was 98,145.
Loans (real estate, credit card, vehicle and other) are provided to members. The number of loans outstanding at 12/31/22 was 71,440.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2022 990, line by line.
Download 990
| Line | Start FY22 | End FY22 |
|---|---|---|
| Cash and savingsLn 1–2 | $183.0M | $76.3M |
| InvestmentsLn 11–13 | $2.1M | $20.9M |
| Land, buildings, equipmentLn 10c | $11.6M | $11.4M |
| Total assetsLn 16 | $604.4M | $632.9M |
| LiabilitiesLn 26 | $536.2M | $558.1M |
| Net assetsLn 32 | $68.3M | $74.8M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of current officers, directors and key staffLn 5 | $1.7M | |||
| Other salaries and wagesLn 7 | $6.7M | |||
| Pension plan contributionsLn 8 | $806K | |||
| Other employee benefitsLn 9 | $1.9M | |||
| Payroll taxesLn 10 | $704K | |||
| Legal feesLn 11b | $569K | |||
| Accounting feesLn 11c | $158K | |||
| Advertising and promotionLn 12 | $910K | |||
| Office expensesLn 13 | $960K | |||
| Information technologyLn 14 | $829K | |||
| OccupancyLn 16 | $1.4M | |||
| TravelLn 17 | $116K | |||
| Depreciation, depletion and amortizationLn 22 | $739K | |||
| Other expenses (24a–d)Ln 24 | $10.0M | |||
| All other expensesLn 24e | $876K | |||
| Total functional expensesLn 25 | $28.4M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest | $61.4M | $55.4M | $6.0M | $93.2M | 990 PDF |
| FY2024 | $53.6M | $47.0M | $6.6M | $86.1M | 990 PDF |
| FY2023 | $46.7M | $41.5M | $5.2M | $80.0M | 990 PDF |
| FY2022 Viewing | $35.0M | $28.4M | $6.6M | $74.8M | 990 PDF |
| FY2021 | $32.6M | $26.4M | $6.1M | $68.3M | 990 PDF |
| FY2020 | $22.6M | $17.2M | $5.4M | $45.1M | 990 PDF |
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Schedules filed Part IV
See the full FY2022 990 (6 parts)
Part I · Summary $34,998,113 revenue, 12 lines filed
Part VI · Governance 10 of 10 board members independent, 1 to look at
Part VIII · Statement of revenue $34,998,113 across 3 lines filed
Part IX · Statement of functional expenses $28,421,361 across 15 lines filed
Part X · Balance sheet $632,867,076 assets, 14 lines filed
Part XI · Reconciliation of net assets $74,759,708 net assets at year end
Form 990 e-file (XML) FY2022 from the IRS · Classification, formation year and address from the IRS Business Master File
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