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
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.
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Who runs it and what they're paid
36 people listed on the 990; $6.1M paid to officers and key staff.
Part VII, Section A · reportable compensation
President/CEO
$727,056Pt VII · Sec A
Cpo
$412,723Pt VII · Sec A
CIO
$397,987Pt VII · Sec A
Chief Admin & Legal Officer
$389,040Pt VII · Sec A
COO
$347,182Pt VII · Sec A
Clo
$344,726Pt VII · Sec A
CFO
$301,955Pt VII · Sec A
VP
$263,004Pt VII · Sec A
VP
$253,484Pt VII · Sec A
$233,423Pt VII · Sec A
$225,119Pt VII · Sec A
VP
$219,046Pt VII · Sec A
Director
$214,391Pt VII · Sec A
$210,316Pt VII · Sec A
$209,874Pt VII · Sec A
$207,485Pt VII · Sec A
$206,138Pt VII · Sec A
Mlo
$201,682Pt VII · Sec A
Director
$199,838Pt VII · Sec A
$197,191Pt VII · Sec A
VP
$183,479Pt VII · Sec A
Manager
$166,331Pt VII · Sec A
Assoc Board Member
$2,941Pt VII · Sec A
Board Member
$1,350Pt VII · Sec A
Board Member
$1,231Pt VII · Sec A
Assoc Board Member
$567Pt VII · Sec A
Assoc Board Member
$311Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Assoc Board Member
$0Pt VII · Sec A
Assoc Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| R McKay | $727,056 | $887,699 | $940,951 | $886,926 | $809,748 |
| C Trunko | $412,723 | $375,795 | $363,073 | $334,024 | $266,714 |
| D Wyatt | $397,987 | $374,032 | $207,648 | — | — |
| R Kampwerth | — | $259,877 | $392,463 | $392,267 | $366,885 |
| E Belshe | $389,040 | $287,635 | — | — | — |
| T Kraus | $347,182 | $339,277 | $361,379 | $373,709 | $344,740 |
| M Dougherty | $344,726 | $332,739 | $366,505 | $360,660 | $340,202 |
| R Swanigan | — | — | — | $268,882 | $342,558 |
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 II70 listed
Programs and updates
Offers banking services like loans and savings accounts to its members.
Questions for Together Credit Union
Your first name shows with your question. Together Credit Union answers here, for everyone.
Provided by the organization
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3 programs · $152.3M · in their own filed words · FY2024
01
Loans to members
$102.9Mprogram expense
02
Service fees
$26.7Mprogram expense
03
Investments
$22.7Mprogram expense
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
Schedule I · received and paid
Grants received · FY2022
Heartland Credit Union CharitableFY2022$7K
Total grants receivedfrom 1 funder$7K
Grants paid · 1 grant · $17K · 2021–2021
Unitemized GrantFY2021$17,250
By the numbers
The FY2024 990, line by line.
Download 990
1The main four
Money inPt VIII
$158.8M
Ln 12
Fees for servicesLn 2g$135.1M
Investment incomeLn 3$23.6M
Money outPt IX
$152.3M
Ln 25
Programscol B$152.3M
Owns and owesPt X
$210.9M
net assets · Ln 32
Cash and savingsLn 1–2$9.0M
Total assetsLn 16$2.5B
LiabilitiesLn 26$2.3B
PeoplePt VI, VII
36
listed · VII A
PaidVII A27
Voting boardVI 1a9
IndependentVI 1b9
2In more detail
Revenue in detailPt VIII
Government grantsLn 1e$0
Noncash giftsLn 1g$0
Fundraising eventsLn 1c$0
Fees for servicesLn 2g$135.1M
Investment incomeLn 3$23.6M
Total revenueLn 12$158.8M
Assets in detailPt X, end of year
CashLn 1$9.0M
SavingsLn 2$51K
Cash and savings togetherLn 1–2$9.0M
InvestmentsLn 11–13$451.5M
Land, buildings, equipmentLn 10c$47.8M
Other assetsLn 15$42.8M
Total assetsLn 16$2.5B
LiabilitiesLn 26$2.3B
Net assetsLn 32$210.9M
OperationsPt I, VI
EmployeesI 5569
VolunteersI 614
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $9.7M | $9.0M |
| InvestmentsLn 11–13 | $365.4M | $451.5M |
| Land, buildings, equipmentLn 10c | $49.5M | $47.8M |
| Total assetsLn 16 | $2.42B | $2.53B |
| LiabilitiesLn 26 | $2.22B | $2.32B |
| Net assetsLn 32 | $201.4M | $210.9M |
4Every line
Statement of functional expensesPt IX · every line
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $0 | $0 | ||
| Grants to domestic individualsLn 2 | $0 | $0 | ||
| Grants and assistance to foreign recipientsLn 3 | $0 | $0 | ||
| Benefits paid to or for membersLn 4 | $0 | $0 | ||
| Pay of current officers, directors and key staffLn 5 | $8.0M | $8.0M | $0 | $0 |
| Pay of disqualified personsLn 6 | $0 | $0 | $0 | $0 |
| Other salaries and wagesLn 7 | $25.9M | $25.9M | $0 | $0 |
| Pension plan contributionsLn 8 | $1.9M | $1.9M | $0 | $0 |
| Other employee benefitsLn 9 | $8.4M | $8.4M | $0 | $0 |
| Payroll taxesLn 10 | $2.3M | $2.3M | $0 | $0 |
| Management feesLn 11a | $519K | $519K | $0 | $0 |
| Legal feesLn 11b | $184K | $184K | $0 | $0 |
| Accounting feesLn 11c | $411K | $411K | $0 | $0 |
| Lobbying feesLn 11d | $0 | $0 | $0 | $0 |
| Professional fundraising feesLn 11e | $0 | $0 | ||
| Investment management feesLn 11f | $0 | $0 | $0 | $0 |
| Other fees for servicesLn 11g | $0 | $0 | $0 | $0 |
| Advertising and promotionLn 12 | $3.8M | $3.8M | $0 | $0 |
| Office expensesLn 13 | $8.6M | $8.6M | $0 | $0 |
| Information technologyLn 14 | $8.5M | $8.5M | $0 | $0 |
| RoyaltiesLn 15 | $0 | $0 | $0 | $0 |
| OccupancyLn 16 | $2.7M | $2.7M | $0 | $0 |
| TravelLn 17 | $832K | $832K | $0 | $0 |
| Travel and entertainment for public officialsLn 18 | $0 | $0 | $0 | $0 |
| Conferences, conventions and meetingsLn 19 | $210K | $210K | $0 | $0 |
| InterestLn 20 | $51.2M | $51.2M | $0 | $0 |
| Payments to affiliatesLn 21 | $0 | $0 | $0 | $0 |
| Depreciation, depletion and amortizationLn 22 | $4.4M | $4.4M | $0 | $0 |
| InsuranceLn 23 | $461K | $461K | $0 | $0 |
| Other expenses (24a–d)Ln 24 | $24.0M | $24.0M | $0 | $0 |
| Total functional expensesLn 25 | $152.3M | $152.3M | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest Viewing | $158.8M | $152.3M | $6.5M | $210.9M | 990 PDF |
| FY2023 | $135.5M | $129.6M | $6.0M | $201.4M | 990 PDF |
| FY2022 | $110.3M | $102.4M | $7.9M | $190.9M | 990 PDF |
| FY2021 | $107.4M | $86.6M | $20.8M | $217.9M | 990 PDF |
| FY2020 | $109.4M | $95.6M | $13.8M | $203.3M | 990 PDF |
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Schedules filed Part IV
III · Programs
R · Related orgs
G · Fundraising
L · Interested persons
I · Grants
J · Pay
O · Explanations
See the full FY2024 990 (6 parts)
Part I · Summary $158,756,041 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $122,481,021$135,125,239
I-10 Investment incomePrior year $13,058,329$23,630,802
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $135,539,350$158,756,041
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $43,903,513$46,515,874
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $85,650,744$105,746,938
I-18 Total expensesPrior year $129,554,257$152,262,812
I-19 Revenue less expensesPrior year $5,985,093$6,493,229
Part VI · Governance 9 of 9 board members independent, no flags
VI-1a Voting members of the governing body9
VI-1b Independent voting members9
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $158,756,041 across 12 lines filed
VIII-1a Federated campaigns$0
VIII-1b Membership dues$0
VIII-1c Fundraising events$0
VIII-1d Related organizations$0
VIII-1e Government grants$0
VIII-1f All other contributions, gifts and grants$0
VIII-1g Noncash contributions (included above)$0
VIII-1h Total contributions, gifts and grants$0
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $135,011,691 · Unrelated business $113,548 · Excluded from tax $0$135,125,239
VIII-3 Investment incomeRelated to mission $23,630,802 · Unrelated business $0 · Excluded from tax $0$23,630,802
VIII-5 RoyaltiesRelated to mission $0 · Unrelated business $0 · Excluded from tax $0$0
VIII-12 Total revenueRelated to mission $158,642,493 · Unrelated business $113,548 · Excluded from tax $0$158,756,041
Part IX · Statement of functional expenses $152,262,812 across 30 lines filed
IX-1 Grants to domestic organizationsPrograms $0$0
IX-2 Grants to domestic individualsPrograms $0$0
IX-3 Grants and assistance to foreign recipientsPrograms $0$0
IX-4 Benefits paid to or for membersPrograms $0$0
IX-5 Pay of current officers, directors and key staffPrograms $8,005,623 · Management $0 · Fundraising $0$8,005,623
IX-6 Pay of disqualified personsPrograms $0 · Management $0 · Fundraising $0$0
IX-7 Other salaries and wagesPrograms $25,926,208 · Management $0 · Fundraising $0$25,926,208
IX-8 Pension plan contributionsPrograms $1,927,117 · Management $0 · Fundraising $0$1,927,117
IX-9 Other employee benefitsPrograms $8,376,931 · Management $0 · Fundraising $0$8,376,931
IX-10 Payroll taxesPrograms $2,279,995 · Management $0 · Fundraising $0$2,279,995
IX-11a Management feesPrograms $518,753 · Management $0 · Fundraising $0$518,753
IX-11b Legal feesPrograms $184,383 · Management $0 · Fundraising $0$184,383
IX-11c Accounting feesPrograms $411,264 · Management $0 · Fundraising $0$411,264
IX-11d Lobbying feesPrograms $0 · Management $0 · Fundraising $0$0
IX-11e Professional fundraising feesFundraising $0$0
IX-11f Investment management feesPrograms $0 · Management $0 · Fundraising $0$0
IX-11g Other fees for servicesPrograms $0 · Management $0 · Fundraising $0$0
IX-12 Advertising and promotionPrograms $3,750,394 · Management $0 · Fundraising $0$3,750,394
IX-13 Office expensesPrograms $8,564,273 · Management $0 · Fundraising $0$8,564,273
IX-14 Information technologyPrograms $8,500,212 · Management $0 · Fundraising $0$8,500,212
IX-15 RoyaltiesPrograms $0 · Management $0 · Fundraising $0$0
IX-16 OccupancyPrograms $2,738,782 · Management $0 · Fundraising $0$2,738,782
IX-17 TravelPrograms $832,458 · Management $0 · Fundraising $0$832,458
IX-18 Travel and entertainment for public officialsPrograms $0 · Management $0 · Fundraising $0$0
IX-19 Conferences, conventions and meetingsPrograms $210,352 · Management $0 · Fundraising $0$210,352
IX-20 InterestPrograms $51,234,148 · Management $0 · Fundraising $0$51,234,148
IX-21 Payments to affiliatesPrograms $0 · Management $0 · Fundraising $0$0
IX-22 Depreciation, depletion and amortizationPrograms $4,359,451 · Management $0 · Fundraising $0$4,359,451
IX-23 InsurancePrograms $460,694 · Management $0 · Fundraising $0$460,694
IX-24 Other expenses (24a–d)Programs $23,981,774 · Management $0 · Fundraising $0$23,981,774
IX-25 Total functional expensesPrograms $152,262,812 · Management $0 · Fundraising $0$152,262,812
Part X · Balance sheet $2,526,424,909 assets, 22 lines filed
Asset lines not itemized here account for $1,949,816,478; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $9,652,166$8,970,973
X-2 Savings and temporary cash investmentsStart of year $59,059$51,415
X-3 Pledges and grants receivableStart of year $0$0
X-4 Accounts receivableStart of year $5,873,650$9,623,092
X-8 Inventories for sale or useStart of year $0$0
X-9 Prepaid expenses and deferred chargesStart of year $19,569,306$15,811,002
X-10c Land, buildings and equipment, netStart of year $49,489,200$47,822,772
X-11 Publicly traded securitiesStart of year $365,384,990$451,482,796
X-12 Other securitiesStart of year $0$0
X-13 Program-related investmentsStart of year $0$0
X-14 Intangible assetsStart of year $0$0
X-15 Other assetsStart of year $42,793,588$42,846,381
X-16 Total assetsStart of year $2,417,889,259$2,526,424,909
X-17 Accounts payable and accrued expensesStart of year $25,204,326$26,581,484
X-18 Grants payableStart of year $0$0
X-19 Deferred revenueStart of year $950,156$658,825
X-20 Tax-exempt bond liabilitiesStart of year $0$0
X-24 Unsecured notes and loans payableStart of year $0$0
X-25 Other liabilitiesStart of year $2,000,367,598$2,135,811,980
X-26 Total liabilitiesStart of year $2,216,522,080$2,315,552,289
X-32 Total net assets or fund balancesStart of year $201,367,179$210,872,620
X-33 Total liabilities and net assetsStart of year $2,417,889,259$2,526,424,909
Part XI · Reconciliation of net assets $210,872,620 net assets at year end
XI-1 Total revenue$158,756,041
XI-2 Total expenses$152,262,812
XI-3 Revenue less expenses$6,493,229
XI-4 Net assets at start of year$201,367,179
XI-5 Net unrealized gains (losses) on investments$3,012,212
XI-6 Donated services and use of facilities$0
XI-7 Investment expenses$0
XI-8 Prior period adjustments$0
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$210,872,620
Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File
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