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Credit Union West

Glendale, AZMutual-benefit / member-servingSince 1951EIN 86-0108241Revenue $103.4M in FY2025

On file with the IRScuwest.org10150 W Desert River Blvd, 85307-3008 · Glendale, AZTax-exempt since Oct 1970

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To inspire our members, employees and communities to achieve their financial goals and enhance their quality of life.

Run by 17 volunteers and 332 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $11.0M a year · 16% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Pay to officers and key staff
$4.8M
to officers and key staff · 5% of spending
Looks good: pay to officers and key staff is 5% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
15 mo
of spending, in cash
Looks good: 14.9 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $45K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$1.3B
90% of total assets
Concern: liabilities are 90% of assets; over 80%.
Pt X · Ln 26
Independent board members
8
of 8 voting members
Looks good: 8 of 8 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$103.4M
+11% vs prior year
Spent
$92.0M
Net assets
$142.6M
By yearFY2020–FY2025
Revenue
$103.4M
FY2025▲ +11%
Tap a bar for its year
Revenue by fiscal year
FY2020$45.5M
FY2021$47.1M
FY2022$55.1M
FY2023$73.8M
FY2024$93.5M
FY2025$103.4M
Expenses
$92.0M
FY2025▲ +13%
Tap a bar for its year
Expenses by fiscal year
FY2020$39.3M
FY2021$39.0M
FY2022$40.9M
FY2023$60.3M
FY2024$81.3M
FY2025$92.0M
Net assets
$142.6M
FY2025▲ +12%
Tap a bar for its year
Net assets by fiscal year
FY2020$89.7M
FY2021$97.6M
FY2022$103.3M
FY2023$115.7M
FY2024$127.7M
FY2025$142.6M

From the FY2025 Form 990 · figures checked against the IRS filing · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Oct 1970.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

24 people listed on the 990; $4.8M paid to officers and key staff.

Part VII, Section A · reportable compensation
Roch Karen
CEO/President
$820,805Pt VII · Sec A
Duong Ning
Evp-COO
$478,287Pt VII · Sec A
Poldoski Kelly
Chief Financial Officer
$393,954Pt VII · Sec A
Birr Robert
Vp-Chief Lending Officer
$350,047Pt VII · Sec A
Christensen Ben D
Chief Information Officer
$337,058Pt VII · Sec A
O'Connor Ryan Sean
Vp- Marketing & Communicat
$267,269Pt VII · Sec A
Green Danielle
Vp- Retail Delivery
$243,722Pt VII · Sec A
Burt Jaime
Vp- Administration
$242,645Pt VII · Sec A

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Roch Karen$820,805$1,033,439$684,599$504,787$761,274$736,503
Duong Ning$478,287$438,202$370,757$270,831$151,413—
Chan Pamela————$304,019$444,800
Poldoski Kelly$393,954$316,176$200,856$149,704——
Birr Robert$350,047$327,999$388,298$254,363$232,203$350,459
Brown Cheryl—$223,428$349,051$203,782$14,708—
Loveland Connie——$343,386$274,498$203,950—
Christensen Ben D$337,058$271,424————

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 II4 listed

Programs and updates

Offers loans and financial services to credit union members.

Questions for Credit Union West

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Provided by the organization

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1 program · in their own filed words · FY2025
01

Financial cooperative to provide loans and financial services to credit union members.

Pt IX · col B

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 · FY2023
Northwest Credit Union FoundationFY2023$45K
Total grants receivedfrom 1 funder$45K
Grants paid · 6 grants · $908K · 2023–2025
Unitemized GrantFY2025$132,000
Cu West Cares INCAZ · FY2025$100,000
Unitemized GrantFY2024$330,800
Cu West Cares INCAZ · FY2024$200,000
Unitemized GrantFY2023$100,000
Northwest Credit Union FoundationWA · FY2023$45,000

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$103.4M
Ln 12
Fees for servicesLn 2g$96.2M
Investment incomeLn 3$6.8M
Other incomeLn 4–11$379K
Money outPt IX
$92.0M
Ln 25
Owns and owesPt X
$142.6M
net assets · Ln 32
Cash and savingsLn 1–2$114.2M
Total assetsLn 16$1.4B
LiabilitiesLn 26$1.3B
PeoplePt VI, VII
24
listed · VII A
PaidVII A24
Voting boardVI 1a8
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$96.2M
Investment incomeLn 3$6.8M
Other incomeLn 4–11$379K
Gains on assetsLn 7$72K
Total revenueLn 12$103.4M
Assets in detailPt X, end of year
CashLn 1$5.4M
SavingsLn 2$108.8M
Cash and savings togetherLn 1–2$114.2M
InvestmentsLn 11–13$111.7M
Land, buildings, equipmentLn 10c$30.4M
Other assetsLn 15$43.2M
Total assetsLn 16$1.4B
LiabilitiesLn 26$1.3B
Net assetsLn 32$142.6M
OperationsPt I, VI
EmployeesI 5332
VolunteersI 617
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
LineStart FY25End FY25
Cash and savingsLn 1–2$92.1M$114.2M
InvestmentsLn 11–13$102.5M$111.7M
Land, buildings, equipmentLn 10c$29.9M$30.4M
Total assetsLn 16$1.30B$1.42B
LiabilitiesLn 26$1.17B$1.27B
Net assetsLn 32$127.7M$142.6M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$100K
Grants to domestic individualsLn 2$132K
Pay of current officers, directors and key staffLn 5$4.4M
Other salaries and wagesLn 7$17.4M
Pension plan contributionsLn 8$1.5M
Other employee benefitsLn 9$2.3M
Payroll taxesLn 10$1.6M
Legal feesLn 11b$243K
Accounting feesLn 11c$367K
Other fees for servicesLn 11g$4.3M
Advertising and promotionLn 12$1.9M
Office expensesLn 13$2.8M
Information technologyLn 14$2.4M
OccupancyLn 16$1.0M
TravelLn 17$341K
Conferences, conventions and meetingsLn 19$182K
InterestLn 20$28.5M
Payments to affiliatesLn 21$203K
Depreciation, depletion and amortizationLn 22$1.9M
InsuranceLn 23$188K
Other expenses (24a–d)Ln 24$20.3M
All other expensesLn 24e$17K
Total functional expensesLn 25$92.0M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $103.4M$92.0M$11.4M$142.6M 990 PDF
FY2024 $93.5M$81.3M$12.2M$127.7M 990 PDF
FY2023 $73.8M$60.3M$13.5M$115.7M 990 PDF
FY2022 $55.1M$40.9M$14.3M$103.3M 990 PDF
FY2021 $47.1M$39.0M$8.2M$97.6M 990 PDF
FY2020 $45.5M$39.3M$6.2M$89.7M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (6 parts)
Part I · Summary $103,382,982 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $88,465,413$96,240,719
I-10 Investment incomePrior year $5,170,018$6,763,023
I-11 Other revenuePrior year −$110,775$379,240
I-12 Total revenuePrior year $93,524,656$103,382,982
I-13 Grants and similar amounts paidPrior year $530,800$232,000
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $24,295,354$27,096,815
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $56,491,817$64,637,080
I-18 Total expensesPrior year $81,317,971$91,965,895
I-19 Revenue less expensesPrior year $12,206,685$11,417,087
Part VI · Governance 8 of 8 board members independent, no flags
VI-1a Voting members of the governing body8
VI-1b Independent voting members8
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 $103,382,982 across 5 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $95,953,181 · Unrelated business $287,538$96,240,719
VIII-3 Investment incomeExcluded from tax $6,690,748$6,690,748
VIII-6 Net rental income or lossExcluded from tax $379,240$379,240
VIII-7 Net gain or loss on sales of assetsRelated to mission $72,275$72,275
VIII-12 Total revenueRelated to mission $96,025,456 · Unrelated business $287,538 · Excluded from tax $7,069,988$103,382,982
Part IX · Statement of functional expenses $91,965,895 across 22 lines filed
IX-1 Grants to domestic organizations$100,000
IX-2 Grants to domestic individuals$132,000
IX-5 Pay of current officers, directors and key staff$4,425,293
IX-7 Other salaries and wages$17,369,059
IX-8 Pension plan contributions$1,461,678
IX-9 Other employee benefits$2,281,405
IX-10 Payroll taxes$1,559,380
IX-11b Legal fees$243,134
IX-11c Accounting fees$366,559
IX-11g Other fees for services$4,253,413
IX-12 Advertising and promotion$1,869,613
IX-13 Office expenses$2,821,674
IX-14 Information technology$2,374,815
IX-16 Occupancy$1,044,311
IX-17 Travel$340,865
IX-19 Conferences, conventions and meetings$182,409
IX-20 Interest$28,529,839
IX-21 Payments to affiliates$203,462
IX-22 Depreciation, depletion and amortization$1,903,435
IX-23 Insurance$188,204
IX-24 Other expenses (24a–d)$20,298,024
IX-24e All other expenses$17,323
IX-25 Total functional expenses$91,965,895
Part X · Balance sheet $1,417,150,679 assets, 14 lines filed
Asset lines not itemized here account for $1,111,303,578; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $5,438,556$5,386,835
X-2 Savings and temporary cash investmentsStart of year $86,680,551$108,811,856
X-4 Accounts receivableStart of year $1,541,505$3,673,355
X-9 Prepaid expenses and deferred chargesStart of year $2,639,601$2,664,346
X-10c Land, buildings and equipment, netStart of year $29,940,615$30,355,883
X-11 Publicly traded securitiesStart of year $98,081,886$108,211,115
X-12 Other securitiesStart of year $4,397,181$3,506,700
X-15 Other assetsStart of year $39,562,062$43,237,011
X-16 Total assetsStart of year $1,299,512,297$1,417,150,679
X-17 Accounts payable and accrued expensesStart of year $25,324,709$24,717,030
X-25 Other liabilitiesStart of year $1,146,491,395$1,249,819,692
X-26 Total liabilitiesStart of year $1,171,816,104$1,274,536,722
X-32 Total net assets or fund balancesStart of year $127,696,193$142,613,957
X-33 Total liabilities and net assetsStart of year $1,299,512,297$1,417,150,679
Part XI · Reconciliation of net assets $142,613,957 net assets at year end
XI-1 Total revenue$103,382,982
XI-2 Total expenses$91,965,895
XI-3 Revenue less expenses$11,417,087
XI-4 Net assets at start of year$127,696,193
XI-5 Net unrealized gains (losses) on investments$3,534,582
XI-9 Other changes in net assets−$33,905
XI-10 Net assets at end of year$142,613,957

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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