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
Who runs it and what they're paid
15 people listed on the 990; $1.1M 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 |
|---|---|---|---|---|---|---|
| Doug Ralston | — | — | $221,475 | $438,365 | $198,378 | $169,288 |
| Douglas Ralston | $382,809 | $296,025 | — | — | — | — |
| Constance Carter | $193,981 | $178,747 | $187,804 | $141,028 | $330,352 | $115,769 |
| Dave Horak | $136,421 | — | — | — | — | — |
| Jarred Bohlin | $135,246 | $103,964 | — | — | — | — |
| Jim Swanson | — | $130,169 | — | — | — | — |
| Tory Lukovsky | — | — | $127,758 | — | — | — |
| Cyndy Carlson | $107,886 | — | — | — | — | — |
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 II2 listed
Programs and updates
Builds financial relationships, educates on technology, and provides solutions for members' needs.
Questions for Centricity Credit Union
Your first name shows with your question. Centricity Credit Union answers here, for everyone.
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Credit Union Lending
The credit union exists to provide loans to its members at rates and terms not available to our field of membership through banks or other financial institutions. The largest portion of our lending is made up of used vehicle loans. The credit union had $74,928,849 in used auto loans outstanding at december 31, 2025.
Credit Union Banking Service Programs
The credit union offers a full range of banking services to the members. As of 12/31/2025 our members and non-members had $262,145,369 on deposit in the credit union. The credit union had $138,027807 in savings accounts, $57,896,641 in checking accounts, $22,697,927 in money market, and $38,403,291 in certificates of deposit.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $19.9M | $26.9M |
| InvestmentsLn 11–13 | $25.4M | $22.7M |
| Land, buildings, equipmentLn 10c | $3.7M | $5.1M |
| Total assetsLn 16 | $243.0M | $321.9M |
| LiabilitiesLn 26 | $212.0M | $277.3M |
| Net assetsLn 32 | $31.0M | $44.5M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $10K | |||
| Benefits paid to or for membersLn 4 | $2.7M | |||
| Pay of current officers, directors and key staffLn 5 | $769K | |||
| Other salaries and wagesLn 7 | $4.8M | |||
| Pension plan contributionsLn 8 | $395K | |||
| Other employee benefitsLn 9 | $664K | |||
| Payroll taxesLn 10 | $410K | |||
| Legal feesLn 11b | $12K | |||
| Accounting feesLn 11c | $87K | |||
| Other fees for servicesLn 11g | $1.7M | |||
| Advertising and promotionLn 12 | $408K | |||
| Office expensesLn 13 | $452K | |||
| Information technologyLn 14 | $1.1M | |||
| OccupancyLn 16 | $496K | |||
| TravelLn 17 | $29K | |||
| Conferences, conventions and meetingsLn 19 | $81K | |||
| InterestLn 20 | $536K | |||
| Depreciation, depletion and amortizationLn 22 | $343K | |||
| InsuranceLn 23 | $39K | |||
| Other expenses (24a–d)Ln 24 | $3.6M | |||
| All other expensesLn 24e | $241K | |||
| Total functional expensesLn 25 | $18.8M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest Viewing | $23.6M | $18.8M | $4.7M | $44.5M | 990 PDF |
| FY2024 | $17.1M | $13.4M | $3.7M | $31.0M | 990 PDF |
| FY2023 | $14.8M | $12.5M | $2.4M | $27.0M | 990 PDF |
| FY2022 | $11.6M | $10.0M | $1.6M | $24.2M | 990 PDF |
| FY2021 | $11.4M | $8.8M | $2.6M | $23.4M | 990 PDF |
| FY2020 | $10.3M | $8.6M | $1.7M | $20.8M | 990 PDF |
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Schedules filed Part IV
See the full FY2025 990 (6 parts)
Part I · Summary $23,552,068 revenue, 12 lines filed
Part VI · Governance 9 of 9 board members independent, no flags
Part VIII · Statement of revenue $23,552,068 across 5 lines filed
Part IX · Statement of functional expenses $18,836,405 across 21 lines filed
Part X · Balance sheet $321,865,166 assets, 16 lines filed
Part XI · Reconciliation of net assets $44,548,325 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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