Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Oct 1956.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
14 people listed on the 990; $1.5M paid to officers and key staff.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Deidra Williams | $590,344 | $581,599 | $549,899 | $518,992 | $485,443 | $436,576 |
| Kristin Kasinec | $286,044 | $289,112 | $275,545 | $263,048 | $228,721 | $211,476 |
| James McQueen | $242,131 | $237,779 | $228,492 | $214,167 | $180,943 | $149,568 |
| Stacey Comiska | $180,021 | $173,774 | $161,228 | $143,757 | $134,640 | $124,447 |
| Ruthann Varosi | $164,930 | $145,148 | $130,233 | — | — | — |
| Paul Shammas | $150,229 | $144,311 | $138,082 | $130,763 | $124,337 | — |
| Perry Simmons | $142,735 | $127,271 | — | — | — | — |
| Mary Kay Osgood | $135,269 | $132,816 | $132,424 | $128,165 | $121,291 | $113,851 |
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
- Loans to or from officersSch L · Pt II3 listed
Programs and updates
Improves financial well-being through quality, value, and convenient products and services.
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Offer automated teller machines, debit cards, international remittances, bill payer, student scholarships, overdraft PROTECTION/COURTESY pay, financial education and counseling and various insurance and investment programs.
Provide 18,925 members with regular shares, share drafts, certificates of deposit, ira, and money market accounts totaling $280,453,752.
Provide loans including vehicle, personal, mortgage, recreational vehicle, and home equity loans totaling $157,961,574.
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 | $33.8M | $6.9M |
| InvestmentsLn 11–13 | $146.4M | $133.0M |
| Land, buildings, equipmentLn 10c | $6.0M | $5.7M |
| Total assetsLn 16 | $324.1M | $314.3M |
| LiabilitiesLn 26 | $288.0M | $283.2M |
| Net assetsLn 32 | $36.1M | $31.2M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic individualsLn 2 | $19K | |||
| Pay of current officers, directors and key staffLn 5 | $860K | |||
| Other salaries and wagesLn 7 | $4.8M | |||
| Pension plan contributionsLn 8 | $235K | |||
| Other employee benefitsLn 9 | $1.4M | |||
| Payroll taxesLn 10 | $429K | |||
| Legal feesLn 11b | $176K | |||
| Accounting feesLn 11c | $68K | |||
| Other fees for servicesLn 11g | $496K | |||
| Advertising and promotionLn 12 | $323K | |||
| Office expensesLn 13 | $478K | |||
| Information technologyLn 14 | $1.0M | |||
| OccupancyLn 16 | $506K | |||
| Conferences, conventions and meetingsLn 19 | $269K | |||
| InterestLn 20 | $449K | |||
| Depreciation, depletion and amortizationLn 22 | $538K | |||
| InsuranceLn 23 | $91K | |||
| Other expenses (24a–d)Ln 24 | $4.3M | |||
| All other expensesLn 24e | $176K | |||
| Total functional expensesLn 25 | $16.6M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest | $31.6M | $23.8M | $7.8M | $55.1M | 990 PDF |
| FY2024 | $26.1M | $21.9M | $4.2M | $44.6M | 990 PDF |
| FY2023 | $24.2M | $19.2M | $5.0M | $37.6M | 990 PDF |
| FY2022 Viewing | $20.9M | $16.6M | $4.2M | $31.2M | 990 PDF |
| FY2021 | $18.9M | $13.9M | $5.0M | $36.1M | 990 PDF |
| FY2020 | $20.0M | $13.8M | $6.1M | $33.7M | 990 PDF |
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Schedules filed Part IV
See the full FY2022 990 (6 parts)
Part I · Summary $20,868,717 revenue, 12 lines filed
Part VI · Governance 7 of 7 board members independent, no flags
Part VIII · Statement of revenue $20,868,717 across 3 lines filed
Part IX · Statement of functional expenses $16,640,278 across 19 lines filed
Part X · Balance sheet $314,332,667 assets, 14 lines filed
Part XI · Reconciliation of net assets $31,155,011 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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