Is it real?
Yes. Never revoked by the IRS. Latest filing we have: FY2022. IRS ruling in Aug 1969.
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; $216K paid to officers and key staff (Part VII, Section A).
Compensation history total reportable pay by year · 2 named individuals · Part VII
| Name | FY2022 | FY2021 | FY2020 |
|---|---|---|---|
| Helen Delin | $145,282 | $142,297 | $133,900 |
| Joyce Kelley | $75,874 | $85,906 | $82,300 |
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 Instep 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 15aNo
Programs and updates
Helps members save, borrow affordably, and manage their money democratically.
Questions for Instep Credit Union
Your first name shows with your question. Instep Credit Union answers here, for everyone.
To encourage thrift among its members, creating a source of credit at fair and reasonable rates of interest, providing other financial services, and providing an opportunity for its members to use and control their own money on a democratic basis.
Form 990 Part III, line 4, FY2020. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 72-0456989) · Dispute this lineBy the numbers
The FY2020 990, line by line.
Download 990
| Line | Start FY20 | End FY20 |
|---|---|---|
| Cash and savingsLn 1–2 | $6.7M | $11.6M |
| Land, buildings, equipmentLn 10c | $1.4M | $1.4M |
| Total assetsLn 16 | $37.0M | $42.8M |
| LiabilitiesLn 26 | $31.5M | $36.1M |
| Net assetsLn 32 | $5.5M | $6.7M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Other salaries and wagesLn 7 | $892K | |||
| Pension plan contributionsLn 8 | $30K | |||
| Other employee benefitsLn 9 | $110K | |||
| Payroll taxesLn 10 | $71K | |||
| Legal feesLn 11b | $143K | |||
| Accounting feesLn 11c | $38K | |||
| Other fees for servicesLn 11g | $57K | |||
| Advertising and promotionLn 12 | $68K | |||
| Office expensesLn 13 | $27K | |||
| OccupancyLn 16 | $37K | |||
| Conferences, conventions and meetingsLn 19 | $72K | |||
| InterestLn 20 | $113K | |||
| Depreciation, depletion and amortizationLn 22 | $50K | |||
| Other expenses (24a–d)Ln 24 | $752K | $752K | ||
| All other expensesLn 24e | $509K | |||
| Total functional expensesLn 25 | $3.0M | $0 | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2022 LatestFiled with the IRS Jul 3, 2023 | $4.3M | $3.9M | $373K | $7.8M | 990 PDF |
| FY2021Filed with the IRS May 10, 2022 | $4.2M | $3.5M | $774K | $7.4M | 990 PDF |
| FY2020 ViewingFiled with the IRS Jun 15, 2021 | $4.1M | $3.0M | $1.2M | $6.7M | 990 PDF |
Schedules filed Part IV
See the full FY2020 990
Part I · Summary $4,143,620 revenue, 12 lines filed
Part VI · Governance 7 of 7 board members independent, 3 to look at
Part VIII · Statement of revenue $4,143,620 across 3 lines filed
Part IX · Statement of functional expenses $2,968,375 across 15 lines filed
Part X · Balance sheet $42,768,365 assets, 14 lines filed
Part XI · Reconciliation of net assets $6,672,980 net assets at year end
Form 990 e-file FY2020 from the IRS (about our sources) · Classification, formation year and address from the IRS Business Master File
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