2026-05-13T14:40:43-05:00 2025-12-31 331498605 PLANTE & MORAN PLLC 750 TRADE CENTRE WAY STE 300 PORTAGE MI 49002 990 2025-01-01 350885375 TECH CREDIT UNION TECH 2196635120 10110 RANDOLPH STREET CROWN POINT IN 463071727 EUGENE R NOVELLO PRESIDENT & CEO 2196635120 2026-05-11 1 JOSHUA NITZ CPA P01946955 2695674500 2026-05-11 2025 2025-03-06 01:10:19Z EUGENE R NOVELLO 10110 RANDOLPH STREET CROWN POINT IN 463071727 34099928 0 X WWW.TECHCU.ORG X 1936 IN TO PROMOTE THRIFT AND PROVIDE LOW COST LOANS TO MEMBERS. THIS IS ACCOMPLISHED ON A CO-OPERATIVE BASIS FOR THE MUTUAL BENEFIT OF THOSE WITHIN THE MEMBERSHIP. 10 10 203 0 0 0 0 0 24565587 28348872 5211808 5741475 0 0 29777395 34090347 0 0 0 0 12279529 12556002 0 0 0 18392474 19629304 30672003 32185306 -894608 1905041 542967604 586268497 495707773 536904378 47259831 49364119 TO PROVIDE SERVICES THAT ENABLE OUR MEMBERS TO ACHIEVE A LIFETIME OF FINANCIAL SUCCESS. 0 0 MAINTAIN SAVINGS ACCOUNTS FOR MEMBERS (TO PROMOTE THRIFT) AND OFFER LOANS TO MEMBERS AT LOW COST AND REASONABLE INTEREST RATES. THE CREDIT UNION HAD APPROXIMATELY 38,027 MEMBERS AT THE END OF THE YEAR. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 6171 0 1 203 1 1 1 0 0 0 0 0 0 0 X 10 10 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 IN X EUGENE R NOVELLO 2196635120 10110 RANDOLPH STREET CROWN POINT IN 463071727 JOE MACHARA CHAIRMAN 4.00 0.00 X X 6500 0 0 WALTER GARBARCZYK SECRETARY 4.00 0.00 X X 6000 0 0 LISA BECK DIRECTOR 4.00 0.00 X 6250 0 0 LUIS GONZALEZ DIRECTOR 4.00 0.00 X 5500 0 0 LEE LANE DIRECTOR 4.00 0.00 X 6500 0 0 JAMES MACK DIRECTOR 4.00 0.00 X 6500 0 0 EDWARD PETYO DIRECTOR 4.00 0.00 X 6000 0 0 GREG SALVATORE DIRECTOR 4.00 0.00 X 4500 0 0 RICHARD YOUNG DIRECTOR 4.00 0.00 X 6500 0 0 STEVEN MINCHUK DIRECTOR 4.00 0.00 X 0 0 0 EUGENE NOVELLO PRESIDENT/CEO 40.00 0.00 X 359088 0 31097 CRIS RIZZO KRATKOCZKI VP OF FINANCE 40.00 0.00 X 139453 0 19720 JOHN WILKENING EXECUTIVE VP, CHIEF BANKIN 40.00 0.00 X 252725 0 40971 ERIC RAUCH SENIOR VP, CHIEF FINANCIAL 40.00 0.00 X 208927 0 32680 ZACHERY HOHULIN VP OF INFORMATION TECHNOLO 40.00 0.00 X 164736 0 10602 ROSEANN DENNIS VP, CHIEF HUMAN RESOURCE O 40.00 0.00 X 62576 0 13045 KIM CARPENTER CUMS MANAGER 40.00 0.00 X 197111 0 10249 DONALD MCCORMICK VP OF COMMERICIAL LENDING 40.00 0.00 X 149629 0 39118 JILL SANDILLA VP OF LENDING 40.00 0.00 X 129018 0 9887 ARTHUR WRIGHT VP OF RETAIL DELIVERY 40.00 0.00 X 166562 0 33483 SCOTT WINGER VP OF FACILITIES AND PHYSICAL SECURITY 40.00 0.00 X 132789 0 19092 2016864 0 259944 13 0 1 0 DIGITAL FIRST HOLDINGS PO BOX 660367 DALLAS TX 75266 DIGITAL SERVICES, WEB CONNECT, MOBILE BA 786865 MATRIX TRUST COMPANY PO BOX 3595 NEW YORK NY 10008 401K SERVICER 679830 MASTERCARD 2200 MASTERCARD BOULEVARD OFALLON MO 63368 DEBIT CARD BRAND/CARD SERVICE 485188 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 DEBIT CARD PROCESSOR 479704 BUCHERTECH 2803 BOILERMAKER CT VALPARAISO IN 46383 INFORMATION TECHNOLOGY SERVICES 324105 26 INTEREST INCOME FROM LOANS 522100 25851087 25851087 FEES AND CHARGES 522100 2497785 2497785 28348872 5741475 5741475 9581 9581 0 34090347 34090347 0 0 1389868 8346133 638154 1462551 719296 33990 120150 113110 378424 821018 1226253 1159648 162764 8688178 1388070 OPERATIONS 2679036 LOAN SERVICING EXPENSE 1588239 PROVISION FOR LOAN LOSS 1135749 SERVICE CENTER FEES 98530 36145 32185306 2656783 3408917 40502975 55451729 451460910 479333542 1568068 1901927 34182263 11786416 23455314 22395847 6968875 5899620 16354679 17876915 542967604 586268497 3559974 3298130 499000 491648799 533606248 495707773 536904378 X 0 0 0 0 47259831 49364119 47259831 49364119 542967604 586268497 X 1905041 57942 141305 X 0 1 X 1 0 3489550 3489550 22559228 6633556 15925672 8133485 5152860 2980625 22395847 MEMBERS' SHARES AND SAVINGS 529052787 LEASED LIABILITY 553461 UNSECURED MORTGAGES AND NOTES PAYABLE TO UNRELATED THIRD PARTIES 4000000 533606248 X X 0 0 0 EUGENE NOVELLO PRESIDENT/CEO 354232 0 300 0 4556 0 17712 0 13385 0 390185 0 0 0 JOHN WILKENING EXECUTIVE VP, CHIEF BANKIN 235845 0 300 0 16580 0 11792 0 29179 0 293696 0 0 0 ERIC RAUCH SENIOR VP, CHIEF FINANCIAL 208214 0 300 0 413 0 3619 0 29061 0 241607 0 0 0 KIM CARPENTER CUMS MANAGER 165768 0 300 0 31043 0 8288 0 1961 0 207360 0 0 0 ARTHUR WRIGHT VP OF RETAIL DELIVERY 137781 0 300 0 28481 0 2160 0 31323 0 200045 0 0 0 DONALD MCCORMICK VP OF COMMERICIAL LENDING 147395 0 300 0 1934 0 7370 0 31748 0 188747 0 0 0 ZACHERY HOHULIN VP OF INFORMATION TECHNOLO 164436 0 300 0 0 0 8222 0 2380 0 175338 0 0 0 CRIS RIZZO KRATKOCZKI VP OF FINANCE 136128 0 300 0 3025 0 6806 0 12914 0 159173 0 0 0 SCOTT WINGER VP OF FACILITIES AND PHYSICAL SECURI 132489 0 300 0 0 0 6625 0 12467 0 151881 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 A MEMBER IS DEFINED AS ANY INDIVIDUAL OR BUSINESS THAT HAS LOAN OR DEPOSIT ACCOUNT AT THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A IN ACCORDANCE WITH THE BYLAWS, THE BOARD OF DIRECTORS IS ELECTED BY A VOTE OF THE MEMBERSHIP, USUALLY CONDUCTED ANNUALLY. PRIOR TO ANY MEETING AT WHICH AN ELECTION IS TO BE HELD, A NOMINATING COMMITTEE MAY BE APPOINTED BY THE BOARD OF DIRECTORS WHOSE DUTY IT SHALL BE TO NOMINATE A COMPLETE LIST OF CANDIDATES FOR THE VARIOUS POSITIONS TO BE FILLED AT SUCH MEETING. FORM 990, PART VI, SECTION A, LINE 7B MAJOR DECISIONS, SUCH AS WHETHER OR NOT TO MERGE INTO ANOTHER CREDIT UNION, WOULD REQUIRE RATIFICATION BY THE MEMBERSHIP TO BE APPROVED. FORM 990, PART VI, SECTION B, LINE 11B MANAGEMENT REVIEWS FORM 990 BEFORE IT IS FILED WITH THE IRS. BOARD DOES NOT REVIEW THE FORM 990 BEFORE FILING. FORM 990, PART VI, SECTION B, LINE 12C ALL BOARD MEMBERS AND EXECUTIVE STAFF COMPLETE A CONFLICT OF INTEREST STATEMENT ON AN ANNUAL BASIS. THE CREDIT UNION'S INTERNAL AUDITOR REVIEWS THESE STATEMENTS TO ENSURE COMPLETION AND COMPLIANCE. IN THE EVENT A CONFLICT IS IDENTIFIED, THE BOARD MEMBER WILL BE ABSENT FROM ALL DISCUSSIONS, RECOMMENDATIONS, DETERMINATIONS AND DECISIONS REGARDING THE MATTER. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION IS DETERMINED AS PART OF EACH INDIVIDUALS' ANNUAL REVIEW. THE COMPENSATION AMOUNTS ARE INCLUDED IN THE BUDGET THAT IS APPROVED BY THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS ARE ON FILE WITH THE INDIANA SECRETARY OF STATE'S OFFICE. A COPY OF THESE DOCUMENTS CAN BE OBTAINED THROUGH THIS OFFICE. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE ON DISPLAY IN THE LOBBY OF THE CREDIT UNION'S HOME OFFICE. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE GENERAL PUBLIC. FORM 990, PART XI, LINE 9: NET UNREALIZED LOSS ON DEFINED BENEFIT PENSION PLAN 141,305. CREDIT UNION MORTGAGE SERVICES LLC 10951 BROADWAY CROWN POINT IN 46307 351850325 MORTGAGE ORIGINATION IN TECH CREDIT UNION C -33927 1716318 1.00000 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 1 0 0 CREDIT UNION MORTGAGE SERVICES LLC J 54940 ACTUAL EXPENSE CREDIT UNION MORTGAGE SERVICES LLC Q 1111355 ACTUAL EXPENSE