Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jun 1952.
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
6 people listed on the 990; $136K paid to officers and key staff.
Compensation history total reportable pay by year · 1 named individual · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Carisa Chitwood | $135,544 | $99,585 | $103,302 | $94,506 | $87,772 | $86,318 |
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 First Choice Community 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, issues shares, maintains accounts, and makes loans for its members.
Questions for First Choice Community Credit Union
Your first name shows with your question. First Choice Community Credit Union answers here, for everyone.
State chartered credit union mutually owned by our 3,608 members, to promote thrift, issue shares and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested. All of our revenues and expenses are related to this purpose.
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $7.0M | $7.1M |
| InvestmentsLn 11–13 | $19.0M | $20.1M |
| Land, buildings, equipmentLn 10c | $1.6M | $1.3M |
| Total assetsLn 16 | $48.7M | $48.8M |
| LiabilitiesLn 26 | $41.3M | $41.0M |
| Net assetsLn 32 | $7.4M | $7.7M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Benefits paid to or for membersLn 4 | $212K | $212K | ||
| Pay of current officers, directors and key staffLn 5 | $136K | $136K | ||
| Other salaries and wagesLn 7 | $493K | $493K | ||
| Pension plan contributionsLn 8 | $23K | $23K | ||
| Other employee benefitsLn 9 | $107K | $107K | ||
| Payroll taxesLn 10 | $49K | $49K | ||
| Advertising and promotionLn 12 | $16K | $16K | ||
| OccupancyLn 16 | $359K | $359K | ||
| Conferences, conventions and meetingsLn 19 | $11K | $11K | ||
| Other expenses (24a–d)Ln 24 | $822K | $822K | ||
| All other expensesLn 24e | $146K | $146K | ||
| Total functional expensesLn 25 | $2.4M | $2.4M | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest ViewingFiled with the IRS May 15, 2026 | $2.7M | $2.4M | $306K | $7.7M | 990 PDF |
| FY2024Filed with the IRS May 19, 2025 | $2.5M | $2.0M | $509K | $7.4M | 990 PDF |
| FY2023Filed with the IRS May 15, 2024 | $2.1M | $1.7M | $348K | $6.9M | 990 PDF |
| FY2022Filed with the IRS May 10, 2023 | $2.1M | $1.7M | $400K | $6.6M | 990 PDF |
| FY2021Filed with the IRS May 13, 2022 | $1.5M | $1.6M | −$68K | $6.2M | 990 PDF |
| FY2020Filed with the IRS Jul 16, 2021 | $1.7M | $1.6M | $13K | $6.2M | 990 PDF |
Schedules filed Part IV
See the full FY2025 990 (6 parts)
Part I · Summary $2,678,925 revenue, 12 lines filed
Part VI · Governance 5 of 5 board members independent, 1 to look at
Part VIII · Statement of revenue $2,678,925 across 2 lines filed
Part IX · Statement of functional expenses $2,373,131 across 11 lines filed
Part X · Balance sheet $48,756,598 assets, 12 lines filed
Part XI · Reconciliation of net assets $7,713,025 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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