Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jun 1961.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
19 people listed on the 990; $888K paid to officers and key staff.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Anna Lo | $242,059 | $85,185 | — | — | — |
| Bayardo Ramirez | $206,060 | $60,717 | — | — | — |
| Scott M Waite | — | $85,073 | $202,420 | — | — |
| Bruce Milgrom | — | — | $74,612 | $192,247 | $181,633 |
| Ewa Lipinska | $173,876 | — | — | — | — |
| Thomas Brown | $165,132 | $47,570 | — | — | — |
| Patricia Murarik | — | $109,625 | $113,434 | — | — |
| Bengino Magdaleno Thru 82523 | — | $112,483 | — | — | — |
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
Programs and updates
Encourages members to save money and build financial security together.
Questions for Central State Credit Union
Your first name shows with your question. Central State Credit Union answers here, for everyone.
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Members can use our electronic services 24/7 through several delivery channels, including home banking, bill pay and atm services.
We are in business to loan funds to our members at low rates. We are a community-based credit union serving over 15,000 members.
We have an array of other low cost or no cost services such as checking accounts, ira accounts and other financial services.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2024 990, line by line.
Download 990
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $23.6M | $34.8M |
| InvestmentsLn 11–13 | $112.0M | $129.6M |
| Land, buildings, equipmentLn 10c | $3.2M | $3.6M |
| Total assetsLn 16 | $228.9M | $234.5M |
| LiabilitiesLn 26 | $220.6M | $224.6M |
| Net assetsLn 32 | $8.3M | $9.9M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Benefits paid to or for membersLn 4 | $1.5M | |||
| Pay of current officers, directors and key staffLn 5 | $896K | |||
| Other salaries and wagesLn 7 | $2.5M | |||
| Pension plan contributionsLn 8 | $118K | |||
| Other employee benefitsLn 9 | $291K | |||
| Payroll taxesLn 10 | $257K | |||
| Legal feesLn 11b | $27K | |||
| Accounting feesLn 11c | $96K | |||
| Other fees for servicesLn 11g | $134K | |||
| Advertising and promotionLn 12 | $60K | |||
| Office expensesLn 13 | $1.2M | |||
| Information technologyLn 14 | $227K | |||
| OccupancyLn 16 | $778K | |||
| TravelLn 17 | $130K | |||
| InterestLn 20 | $87K | |||
| Depreciation, depletion and amortizationLn 22 | $286K | |||
| InsuranceLn 23 | $27K | |||
| Other expenses (24a–d)Ln 24 | $1.3M | |||
| All other expensesLn 24e | $121K | |||
| Total functional expensesLn 25 | $10.0M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest Viewing | $10.3M | $10.0M | $237K | $9.9M | 990 PDF |
| FY2023 | $9.1M | $8.2M | $964K | $8.3M | 990 PDF |
| FY2022 | $8.4M | $7.0M | $1.4M | $4.8M | 990 PDF |
| FY2021 | $7.2M | $6.4M | $839K | $17.9M | 990 PDF |
| FY2020 | $7.8M | $6.7M | $1.1M | $19.1M | 990 PDF |
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Schedules filed Part IV
See the full FY2024 990 (6 parts)
Part I · Summary $10,274,246 revenue, 12 lines filed
Part VI · Governance 14 of 14 board members independent, no flags
Part VIII · Statement of revenue $10,274,246 across 6 lines filed
Part IX · Statement of functional expenses $10,037,495 across 19 lines filed
Part X · Balance sheet $234,502,923 assets, 13 lines filed
Part XI · Reconciliation of net assets $9,892,055 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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