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
Who runs it and what they're paid
6 people listed on the 990; $68K paid to officers and key staff.
Compensation history total reportable pay by year · 1 named individual · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Kelly Schrag | $68,423 | $57,500 | $52,000 | $49,281 | $48,500 |
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 II7 listed
Programs and updates
Offers financial services to help people achieve shared goals.
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provide credit life and credit disability as well as GAP and warranty loan protection programs at a fair and reasonable rate
provide a source of credit to members at a fair and reasonable rate of interest
provide financial and financially related services to 1071 members
By the numbers
The FY2024 990, line by line.
Download 990
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $3.1M | $3.8M |
| InvestmentsLn 11–13 | $890K | $132K |
| Land, buildings, equipmentLn 10c | $15K | $18K |
| Total assetsLn 16 | $11.6M | $11.3M |
| LiabilitiesLn 26 | $9.5M | $9.0M |
| Net assetsLn 32 | $2.1M | $2.3M |
| 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 | $90K | |||
| Pay of disqualified personsLn 6 | $0 | |||
| Other salaries and wagesLn 7 | $44K | |||
| Pension plan contributionsLn 8 | $2K | |||
| Other employee benefitsLn 9 | $8K | |||
| Payroll taxesLn 10 | $9K | |||
| Management feesLn 11a | $0 | |||
| Legal feesLn 11b | $950 | |||
| Accounting feesLn 11c | $6K | |||
| Lobbying feesLn 11d | $0 | |||
| Professional fundraising feesLn 11e | $0 | |||
| Investment management feesLn 11f | $3K | |||
| Other fees for servicesLn 11g | $0 | |||
| Advertising and promotionLn 12 | $3K | |||
| Office expensesLn 13 | $55K | |||
| Information technologyLn 14 | $7K | |||
| RoyaltiesLn 15 | $0 | |||
| OccupancyLn 16 | $12K | |||
| TravelLn 17 | $0 | |||
| Travel and entertainment for public officialsLn 18 | $0 | |||
| Conferences, conventions and meetingsLn 19 | $6K | |||
| InterestLn 20 | $0 | |||
| Payments to affiliatesLn 21 | $0 | |||
| Depreciation, depletion and amortizationLn 22 | $0 | |||
| InsuranceLn 23 | $12K | |||
| Other expenses (24a–d)Ln 24 | $209K | |||
| All other expensesLn 24e | $9K | |||
| Total functional expensesLn 25 | $476K | $0 | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest Viewing | $681K | $476K | $204K | $2.3M | 990 PDF |
| FY2023 | $592K | $303K | $289K | $2.1M | 990 PDF |
| FY2022 | $422K | $293K | $129K | $1.8M | 990 PDF |
| FY2021 | $330K | $304K | $25K | $1.7M | 990 PDF |
| FY2020 | $376K | $236K | $140K | $1.7M | 990 PDF |
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Schedules filed Part IV
See the full FY2024 990 (6 parts)
Part I · Summary $680,626 revenue, 12 lines filed
Part VI · Governance 5 of 5 board members independent, no flags
Part VIII · Statement of revenue $680,626 across 5 lines filed
Part IX · Statement of functional expenses $476,163 across 31 lines filed
Part X · Balance sheet $11,318,794 assets, 22 lines filed
Part XI · Reconciliation of net assets $2,315,078 net assets at year end
Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File
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