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.
Something off? Claim to add context
Who runs it and what they're paid
11 people listed on the 990; $276K paid to officers and key staff (Part VII, Section A).
Compensation history total reportable pay by year · 3 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Randy Hass | $221,288 | $206,326 | $186,807 | $160,661 | — | — |
| Mindy Cooper | $171,662 | $152,787 | $137,412 | $115,444 | $114,145 | $99,973 |
| Holly Luca | — | — | — | — | $151,451 | $142,262 |
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 Midland Credit Union 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
Provides affordable loans, savings, and checking accounts with better rates than banks.
Questions for Midland Credit Union
Your first name shows with your question. Midland Credit Union answers here, for everyone.
Midland credit union offers a variety of services to its members. For the 2022 tax year they serviced share draft-checking accounts, offered savings and certificates accounts and maintained consumer and mortage loans. Total members served was approximately 4,748 during the year.
Form 990 Part III, line 4, FY2022. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 42-0816632) · Dispute this lineBy the numbers
The FY2022 990, line by line.
Download 990
| Line | Start FY22 | End FY22 |
|---|---|---|
| Cash and savingsLn 1–2 | $11.4M | $5.7M |
| InvestmentsLn 11–13 | $10.0M | $12.9M |
| Land, buildings, equipmentLn 10c | $2.2M | $2.1M |
| Total assetsLn 16 | $71.0M | $76.1M |
| LiabilitiesLn 26 | $63.3M | $68.3M |
| Net assetsLn 32 | $7.7M | $7.8M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of officers and key staff (Part IX, line 5)Ln 5 | $313K | $313K | ||
| Other salaries and wagesLn 7 | $711K | $711K | ||
| Pension plan contributionsLn 8 | $27K | $27K | ||
| Other employee benefitsLn 9 | $50K | $50K | ||
| Legal feesLn 11b | $4K | $4K | ||
| Accounting feesLn 11c | $16K | $16K | ||
| Advertising and promotionLn 12 | $185K | $185K | ||
| Office expensesLn 13 | $224K | $224K | ||
| Information technologyLn 14 | $142K | $142K | ||
| OccupancyLn 16 | $623K | $623K | ||
| TravelLn 17 | $2K | $2K | ||
| Conferences, conventions and meetingsLn 19 | $34K | $34K | ||
| InterestLn 20 | $272K | $272K | ||
| Payments to affiliatesLn 21 | $10K | $10K | ||
| Depreciation, depletion and amortizationLn 22 | $212K | $212K | ||
| InsuranceLn 23 | $29K | $29K | ||
| Other expenses (24a–d)Ln 24 | $279K | $279K | ||
| All other expensesLn 24e | $278K | $278K | ||
| Total functional expensesLn 25 | $3.4M | $3.4M | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 LatestFiled with the IRS Jun 2, 2026 | $6.9M | $6.0M | $905K | $11.4M | 990 PDF |
| FY2024Filed with the IRS Jun 5, 2025 | $5.9M | $5.4M | $544K | $10.5M | 990 PDF |
| FY2023Filed with the IRS Jul 2, 2024 | $4.7M | $4.5M | $205K | $8.9M | 990 PDF |
| FY2022 ViewingFiled with the IRS Jun 20, 2023 | $3.5M | $3.4M | $60K | $7.8M | 990 PDF |
| FY2021Filed with the IRS Jun 1, 2022 | $3.1M | $2.8M | $265K | $7.7M | 990 PDF |
| FY2020Filed with the IRS Apr 19, 2021 | $3.0M | $2.8M | $144K | $7.4M | 990 PDF |
Schedules filed Part IV
See the full FY2022 990
Part I · Summary $3,470,213 revenue, 12 lines filed
Part VI · Governance 9 of 9 board members independent, 1 to look at
Part VIII · Statement of revenue $3,470,213 across 5 lines filed
Part IX · Statement of functional expenses $3,410,674 across 18 lines filed
Part X · Balance sheet $76,091,305 assets, 16 lines filed
Part XI · Reconciliation of net assets $7,774,085 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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