Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jun 1976.
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
5 people listed on the 990.
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
Operates a credit union providing members with financial services and courteous support.
Questions for Nce Credit Union
Your first name shows with your question. Nce Credit Union answers here, for everyone.
Nce credit union continues to be a well-capitalized financial institution, with a strong net worth ratio of 21%. To put that in perspective, a net worth ratio above 7% is considered a well-capitalized financial institution by our regulators.
Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 74-1383594) · Dispute this lineNce works diligently to provide the best value and experience for our members, and has worked to streamline and simplify our processes where possible and continue to educate our members on ways to improve their credit history. We want to be able to offer every one of our members the best loan interest rates possible.
Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 74-1383594) · Dispute this lineNce credit union encourages all members to refer family and co-workers to join our credit union family.
Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 74-1383594) · Dispute this lineBy the numbers
The FY2024 990, line by line.
Download 990
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $191K | $139K |
| InvestmentsLn 11–13 | $2.1M | $2.6M |
| Land, buildings, equipmentLn 10c | $4K | $2K |
| Total assetsLn 16 | $5.4M | $5.6M |
| LiabilitiesLn 26 | $4.2M | $4.4M |
| Net assetsLn 32 | $1.2M | $1.2M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Other salaries and wagesLn 7 | $138K | $138K | ||
| Pension plan contributionsLn 8 | $8K | $8K | ||
| Other employee benefitsLn 9 | $12K | $12K | ||
| Payroll taxesLn 10 | $11K | $11K | ||
| Other fees for servicesLn 11g | $65K | $65K | ||
| Office expensesLn 13 | $4K | $4K | ||
| OccupancyLn 16 | $27K | $27K | ||
| Conferences, conventions and meetingsLn 19 | $2K | $2K | ||
| InterestLn 20 | $52K | $52K | ||
| Depreciation, depletion and amortizationLn 22 | $2K | $2K | ||
| InsuranceLn 23 | $10K | $10K | ||
| Other expenses (24a–d)Ln 24 | $62K | $62K | ||
| All other expensesLn 24e | $3K | $3K | ||
| Total functional expensesLn 25 | $395K | $395K | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest ViewingFiled with the IRS Sep 4, 2025 | $414K | $395K | $18K | $1.2M | 990 PDF |
| FY2023Filed with the IRS Nov 13, 2024 | $385K | $321K | $64K | $1.2M | 990 PDF |
| FY2022Filed with the IRS Aug 14, 2023 | $337K | $303K | $34K | $1.1M | 990 PDF |
| FY2021Filed with the IRS Jan 28, 2022 | $322K | $277K | $44K | $1.1M | 990 PDF |
| FY2020Filed with the IRS Feb 25, 2021 | $318K | $333K | −$15K | $1.0M | 990 PDF |
Schedules filed Part IV
See the full FY2024 990
Part I · Summary $413,726 revenue, 12 lines filed
Part VI · Governance 5 of 5 board members independent, 2 to look at
Part VIII · Statement of revenue $413,726 across 3 lines filed
Part IX · Statement of functional expenses $395,450 across 13 lines filed
Part X · Balance sheet $5,608,470 assets, 15 lines filed
Part XI · Reconciliation of net assets $1,196,901 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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