Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
7 people listed on the 990; $254K paid to officers and key staff.
Compensation history total reportable pay by year · 1 named individual · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Janice Zuchowicz | $159,469 | $160,167 | $152,075 | $131,040 | $253,986 |
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 Credit Union Advantage 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 safe, secure, and convenient innovative financial products and services.
Questions for Credit Union Advantage
Your first name shows with your question. Credit Union Advantage answers here, for everyone.
The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of current members at 12/31/2020 was 2,439.
The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2020 was 1,083.
By the numbers
The FY2020 990, line by line.
Download 990
| Line | Start FY20 | End FY20 |
|---|---|---|
| Cash and savingsLn 1–2 | $4.2M | $6.0M |
| InvestmentsLn 11–13 | $13.9M | $16.5M |
| Land, buildings, equipmentLn 10c | $89K | $72K |
| Total assetsLn 16 | $27.7M | $30.8M |
| LiabilitiesLn 26 | $24.0M | $26.8M |
| Net assetsLn 32 | $3.7M | $4.1M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $0 | |||
| Grants to domestic individualsLn 2 | $0 | |||
| Grants and assistance to foreign recipientsLn 3 | $0 | |||
| Benefits paid to or for membersLn 4 | $0 | |||
| Pay of current officers, directors and key staffLn 5 | $159K | |||
| Pay of disqualified personsLn 6 | $0 | |||
| Other salaries and wagesLn 7 | $217K | |||
| Pension plan contributionsLn 8 | $2K | |||
| Other employee benefitsLn 9 | $23K | |||
| Payroll taxesLn 10 | $2K | |||
| Management feesLn 11a | $0 | |||
| Legal feesLn 11b | $5K | |||
| Accounting feesLn 11c | $13K | |||
| Lobbying feesLn 11d | $0 | |||
| Professional fundraising feesLn 11e | $0 | |||
| Investment management feesLn 11f | $0 | |||
| Other fees for servicesLn 11g | $37K | |||
| Advertising and promotionLn 12 | $46K | |||
| Office expensesLn 13 | $212K | |||
| Information technologyLn 14 | $104K | |||
| RoyaltiesLn 15 | $0 | |||
| OccupancyLn 16 | $70K | |||
| TravelLn 17 | $0 | |||
| Travel and entertainment for public officialsLn 18 | $0 | |||
| Conferences, conventions and meetingsLn 19 | $5K | |||
| InterestLn 20 | $62K | |||
| Payments to affiliatesLn 21 | $0 | |||
| Depreciation, depletion and amortizationLn 22 | $17K | |||
| InsuranceLn 23 | $19K | |||
| Other expenses (24a–d)Ln 24 | $264K | |||
| All other expensesLn 24e | $13K | |||
| Total functional expensesLn 25 | $1.3M | $0 | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 LatestFiled with the IRS Apr 16, 2025 | $1.3M | $1.4M | −$99K | $0 | 990 PDF |
| FY2023Filed with the IRS May 16, 2024 | $1.3M | $1.4M | −$183K | $2.1M | 990 PDF |
| FY2022Filed with the IRS May 12, 2023 | $1.4M | $1.3M | $90K | $1.8M | 990 PDF |
| FY2021Filed with the IRS Sep 26, 2022 | $1.3M | $1.3M | −$236 | $3.6M | 990 PDF |
| FY2020 ViewingFiled with the IRS May 7, 2021 | $1.3M | $1.3M | $37K | $4.1M | 990 PDF |
Schedules filed Part IV
See the full FY2020 990 (6 parts)
Part I · Summary $1,307,240 revenue, 12 lines filed
Part VI · Governance 7 of 7 board members independent, 1 to look at
Part VIII · Statement of revenue $1,307,240 across 8 lines filed
Part IX · Statement of functional expenses $1,270,110 across 31 lines filed
Part X · Balance sheet $30,837,261 assets, 22 lines filed
Part XI · Reconciliation of net assets $4,073,582 net assets at year end
Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File
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