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
9 people listed on the 990; $652K 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 |
|---|---|---|---|---|---|---|
| Matthew Chizek | $325,000 | $248,496 | $265,435 | $215,040 | $170,400 | $153,389 |
| Traci Muhlenbruch | $181,400 | $167,414 | — | — | — | — |
| Ryan Francis | $145,200 | $146,195 | — | — | — | — |
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 Cent 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
Promotes thrift, offers affordable credit, and provides financial services to members.
Questions for Cent Credit Union
Your first name shows with your question. Cent Credit Union answers here, for everyone.
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $39.6M | $26.4M |
| InvestmentsLn 11–13 | $1.8M | $1.8M |
| Land, buildings, equipmentLn 10c | $3.4M | $3.1M |
| Total assetsLn 16 | $168.1M | $159.9M |
| LiabilitiesLn 26 | $148.8M | $139.5M |
| Net assetsLn 32 | $19.3M | $20.4M |
| 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 officers and key staff (Part IX, line 5)Ln 5 | $344K | |||
| Pay of disqualified personsLn 6 | $0 | |||
| Other salaries and wagesLn 7 | $2.3M | |||
| Pension plan contributionsLn 8 | $127K | |||
| Other employee benefitsLn 9 | $443K | |||
| Payroll taxesLn 10 | $184K | |||
| Management feesLn 11a | $0 | |||
| Legal feesLn 11b | $5K | |||
| Accounting feesLn 11c | $30K | |||
| Lobbying feesLn 11d | $0 | |||
| Professional fundraising feesLn 11e | $0 | |||
| Investment management feesLn 11f | $0 | |||
| Other fees for servicesLn 11g | $0 | |||
| Advertising and promotionLn 12 | $300K | |||
| Office expensesLn 13 | $505K | |||
| Information technologyLn 14 | $0 | |||
| RoyaltiesLn 15 | $0 | |||
| OccupancyLn 16 | $373K | |||
| TravelLn 17 | $0 | |||
| Travel and entertainment for public officialsLn 18 | $0 | |||
| Conferences, conventions and meetingsLn 19 | $93K | |||
| InterestLn 20 | $28 | |||
| Payments to affiliatesLn 21 | $0 | |||
| Depreciation, depletion and amortizationLn 22 | $416K | |||
| InsuranceLn 23 | $86K | |||
| Other expenses (24a–d)Ln 24 | $3.4M | |||
| All other expensesLn 24e | $243K | |||
| Total functional expensesLn 25 | $8.8M | $0 | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest ViewingFiled with the IRS Apr 27, 2026 | $10.0M | $8.8M | $1.1M | $20.4M | 990 PDF |
| FY2024Filed with the IRS Apr 25, 2025 | $9.1M | $7.9M | $1.2M | $19.3M | 990 PDF |
| FY2023Filed with the IRS May 13, 2024 | $7.6M | $6.3M | $1.3M | $18.0M | 990 PDF |
| FY2022Filed with the IRS Apr 27, 2023 | $3.7M | $3.2M | $574K | $8.9M | 990 PDF |
| FY2021Filed with the IRS Apr 25, 2022 | $3.5M | $3.0M | $505K | $8.3M | 990 PDF |
| FY2020Filed with the IRS Nov 12, 2021 | $3.4M | $3.0M | $396K | $7.8M | 990 PDF |
Schedules filed Part IV
See the full FY2025 990
Part I · Summary $9,954,274 revenue, 12 lines filed
Part VI · Governance 6 of 6 board members independent, no flags
Part VIII · Statement of revenue $9,954,274 across 8 lines filed
Part IX · Statement of functional expenses $8,830,801 across 31 lines filed
Part X · Balance sheet $159,932,853 assets, 23 lines filed
Part XI · Reconciliation of net assets $20,396,869 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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