Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
100 cents of each dollar spent went to programs.
Form 990 Part IX, line 25. Every line is in By the numbers.
Who runs it and what they're paid
13 people listed on the 990; $794K 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 |
|---|---|---|---|---|---|---|
| Troy Arenz | $201,380 | $171,060 | — | $180,324 | $367,695 | $361,392 |
| Bruce Zmolek | $145,164 | $180,630 | $182,697 | — | — | — |
| Bruce E Zmolek | — | — | — | $178,472 | $176,207 | $166,478 |
| Samantha Solare | $118,482 | $85,189 | — | — | — | — |
| Matt Faron | — | — | — | — | $112,428 | $108,774 |
| Amy Fruit | $111,416 | $106,739 | $101,478 | — | — | — |
| Matthew Faron | $108,385 | — | — | — | — | — |
| Connie Garbers | $100,930 | $99,376 | $94,960 | $92,960 | $89,018 | $85,843 |
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 money and access affordable loans to improve their lives.
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Provided low-cost financial services to 4,947 members.
Competitive dividend rates are given on share, share draft and certificate accounts. (11,732 Accounts)
Granted 885 new loans to members totaling $72,227,543.
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By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $9.0M | $9.0M |
| InvestmentsLn 11–13 | $9.4M | $7.4M |
| Land, buildings, equipmentLn 10c | $2.7M | $2.8M |
| Total assetsLn 16 | $122.5M | $131.2M |
| LiabilitiesLn 26 | $103.6M | $110.7M |
| Net assetsLn 32 | $18.9M | $20.5M |
| 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 | $794K | |||
| Pay of disqualified personsLn 6 | $0 | |||
| Other salaries and wagesLn 7 | $1.2M | |||
| Pension plan contributionsLn 8 | $71K | |||
| Other employee benefitsLn 9 | $184K | |||
| Payroll taxesLn 10 | $152K | |||
| Management feesLn 11a | $0 | |||
| Legal feesLn 11b | $9K | |||
| Accounting feesLn 11c | $50K | |||
| Lobbying feesLn 11d | $0 | |||
| Professional fundraising feesLn 11e | $0 | |||
| Investment management feesLn 11f | $0 | |||
| Other fees for servicesLn 11g | $0 | |||
| Advertising and promotionLn 12 | $301K | |||
| Office expensesLn 13 | $166K | |||
| Information technologyLn 14 | $154K | |||
| RoyaltiesLn 15 | $0 | |||
| OccupancyLn 16 | $202K | |||
| TravelLn 17 | $10K | |||
| Travel and entertainment for public officialsLn 18 | $0 | |||
| Conferences, conventions and meetingsLn 19 | $16K | |||
| InterestLn 20 | $0 | |||
| Payments to affiliatesLn 21 | $37K | |||
| Depreciation, depletion and amortizationLn 22 | $138K | |||
| InsuranceLn 23 | $0 | |||
| Other expenses (24a–d)Ln 24 | $2.8M | |||
| All other expensesLn 24e | $213K | |||
| Total functional expensesLn 25 | $6.5M | $0 | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest Viewing | $8.1M | $6.5M | $1.6M | $20.5M | 990 PDF |
| FY2024 | $7.4M | $6.3M | $1.1M | $18.9M | 990 PDF |
| FY2023 | $5.9M | $5.1M | $707K | $17.8M | 990 PDF |
| FY2022 | $4.7M | $3.9M | $829K | $17.1M | 990 PDF |
| FY2021 | $5.2M | $3.9M | $1.3M | $16.3M | 990 PDF |
| FY2020 | $5.4M | $4.0M | $1.4M | $15.0M | 990 PDF |
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Schedules filed Part IV
See the full FY2025 990 (4 parts)
Part VIII · Statement of revenue $8,100,012 across 5 lines filed
Part IX · Statement of functional expenses $6,471,728 across 31 lines filed
Part X · Balance sheet $131,193,453 assets, 18 lines filed
Part XI · Reconciliation of net assets $20,532,435 net assets at year end
Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File
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