DEPARTMENT OF FINANCIAL INSTITUTION DIVISION OF CREDIT UNIONS IN IND: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization: DEPARTMENT OF FINANCIAL INSTITUTION DIVISION OF CREDIT UNIONS IN IND (EIN 35-0885381)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-05-14
IRS object ID: 202641349349307074
Schema version: 2025v4.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule C
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2026-05-14T12:45:05+00:00	ReturnTs
Tax Period End	2025-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	440160260	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	Forvis Mazars LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	820 Massachusetts Ave Suite 1370	AddressLine1Txt
City	Indianapolis	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46204	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2025-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	350885381	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Centra Credit Union	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CENT	BusinessNameControlTxt
Phone	8123140282	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3801 TUPELO DRIVE	AddressLine1Txt
City	COLUMBUS	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	47201	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Sarah Stair	PersonNm
Person Title	VP Accounting	PersonTitleTxt
Phone	8123140282	PhoneNum
Signature	2026-05-14	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Nicole Fishback	PreparerPersonNm
PTIN	P01279475	PTIN
Phone	3173834000	PhoneNum
Preparation	2026-05-15	PreparationDt

Field	Value	IRS element (for citing)
Tax	2025	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Principal Ofcr Business Name PrincipalOfcrBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RICK SILVERS	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3801 TUPELO DRIVE	AddressLine1Txt
City	COLUMBUS	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	47201	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$153,392,795	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.CENTRA.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1997	FormationYr
Legal Domicile State	IN	LegalDomicileStateCd
Activity Or Mission	STATE CHARTERED AND FEDERALLY INSURED CREDIT UNION WHICH GRANTS CONSUMER LOANS INCLUDING CREDIT CARDS, MORTGAGE LOANS, AND BUSINESS LOANS TO ITS MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	11	VotingMembersGoverningBodyCnt
Voting Members Independent	1	VotingMembersIndependentCnt
Total Employee	507	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$1,871,921	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$135,401,681	PYProgramServiceRevenueAmt
CY Program Service Revenue	$141,513,181	CYProgramServiceRevenueAmt
PY Investment Income	$9,139,032	PYInvestmentIncomeAmt
CY Investment Income	$11,289,678	CYInvestmentIncomeAmt
CY Other Revenue	$22,821	CYOtherRevenueAmt
PY Total Revenue	$144,540,713	PYTotalRevenueAmt
CY Total Revenue	$152,825,680	CYTotalRevenueAmt
CY Grants And Similar Paid	$478,653	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$34,752,765	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$43,760,881	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$101,239,209	PYOtherExpensesAmt
CY Other Expenses	$92,618,699	CYOtherExpensesAmt
PY Total Expenses	$135,991,974	PYTotalExpensesAmt
CY Total Expenses	$136,858,233	CYTotalExpensesAmt
PY Revenues Less Expenses	$8,548,739	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$15,967,447	CYRevenuesLessExpensesAmt
Total Assets BOY	$2,126,245,937	TotalAssetsBOYAmt
Total Assets EOY	$2,324,231,189	TotalAssetsEOYAmt
Total Liabilities BOY	$1,897,484,606	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$2,068,843,197	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$228,761,331	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$255,387,992	NetAssetsOrFundBalancesEOYAmt
Mission	STATE CHARTERED AND FEDERALLY INSURED CREIDT UNION WHICH GRANTS CONSUMER LOANS INCLUDING CREDIT CARDS AND OPEN-END CREDIT, MORTGAGE LOANS AND BUSINESS LOANS TO ITS MEMBERS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	CREDIT UNION PROGRAMS. ALL ACTIVITIES ARE STATE CHARTERED CREDIT UNION ACTIVITIES WHICH ARE EXEMPT UNDER SECTION 501(C)(14)	Desc
Total Program Service Expenses	$0	TotalProgramServiceExpensesAmt
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	Yes (true)	PoliticalCampaignActyInd
Lobbying Activities	false	LobbyingActivitiesInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	Yes (true)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	false	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (true)	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (true)	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	Yes (true)	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Escrow Account	false	EscrowAccountInd
On Behalf Of Issuer	false	OnBehalfOfIssuerInd
Engaged In Excess Benefit Trans	false	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	false	PYExcessBenefitTransInd
Loan Outstanding	Yes (true)	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	false	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	Yes (true)	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Transaction With Control Ent	false	TransactionWithControlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	false	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	125151	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	507	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	11	GoverningBodyVotingMembersCnt
Independent Voting Member	1	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	false	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	false	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	false	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Written Policy Or Procedure	false	WrittenPolicyOrProcedureInd
States Where Copy Of Return Is Fld	IN	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	SARAH STAIR	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	8123140282	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3801 TUPELO DRIVE	AddressLine1Txt
City	COLUMBUS	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	47201	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (25 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
JIM BICKEL
SECRETARY/TREASURER	1.3	Yes (X)	Yes (X)	$25,504	$0	$0
JODY HEAZLITT
Supervisory Chair	1.9	Yes (X)	Yes (X)	$24,504	$0	$0
JOSEPH BROWN
BOARD VICE PRESIDENT	2.3	Yes (X)	Yes (X)	$24,504	$0	$0
RANDY PROFITT
BOARD CHAIR	2.1	Yes (X)	Yes (X)	$30,640	$0	$0
Aida J Ramirez
DIRECTOR	1.9	Yes (X)		$13,440	$0	$0
Anthony Phillips II
DIRECTOR	1.3	Yes (X)		$5,040	$0	$0
Christopher Orben
DIRECTOR	1.7	Yes (X)		$21,160	$0	$0
DONALD JACKSON
DIRECTOR	2.1	Yes (X)		$20,160	$0	$0
Gina Pleak
Director	1.8	Yes (X)		$21,160	$0	$0
James Donald Turner
DIRECTOR	1.9	Yes (X)		$13,440	$0	$0
KESAVAN VENUGOPAL
DIRECTOR	1.8	Yes (X)		$24,504	$0	$0
KEVINA SCHUMAKER
DIRECTOR	1.9	Yes (X)		$20,160	$0	$0
MARY STROH
DIRECTOR (LEFT 04/2025)	1.9	Yes (X)		$6,720	$0	$0
Michael Fleetwood
Supervisory Committee Member	1.3	Yes (X)		$5,928	$0	$0
Shannon Jenkins
Supervisory Committee Member	1.4	Yes (X)		$5,928	$0	$0
Shawwn Storms
Supervisory Committee Member	1.5	Yes (X)		$5,928	$0	$0
BRAD DAVIS
CHIEF GROWTH OFFICER	45.0		Yes (X)	$341,886	$0	$32,089
DAVID MANN
CHIEF FINANCIAL OFFICER	45.0		Yes (X)	$424,991	$0	$22,021
RICK SILVERS
PRESIDENT & CEO	45.0		Yes (X)	$823,362	$0	$40,850
Swaminathan Seetharaman
CHIEF EXPERIENCE OFFICER	45.0		Yes (X)	$332,831	$0	$35,630
Brent Parks
SVP TECHNOLOGY	45.0			$230,640	$0	$30,390	Yes (X)
CRYSTAL RICKARD
MORTGAGE BROKER	45.0			$322,584	$0	$14,596	Yes (X)
DOUG SHARKEY
SVP MORTGAGE LOAN DELIVERY	45.0			$237,349	$0	$26,982	Yes (X)
KARL KISSINGER
SVP BUSINESS SERVICES	45.0			$233,139	$0	$27,044	Yes (X)
MELISSA JEWELL
SVP TEAM MEMBER EXPERIENCE	45.0			$217,672	$0	$18,303	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$3,433,174	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$247,905	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	125	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt	Address Line2ContractorAddress/USAddress/AddressLine2Txt
FISERV
PO BOX 934057	ATLANTA	GA	31193	SOFTWARE	$4,899,782
MASTERCARD
100 MANHATTANVILLE ROAD	PURCHASE	NY	10577	CREDIT PROCESSOR	$2,900,842
CONVERGEONE
10900 NESBITT AVE S	BLOOMINGTON	MN	55437	TECHNOLOGY SOLUTIONS	$2,166,438
ENGAGEFI
5550 W EXECUTIVE DR	TAMPA	FL	33609	CONSULTING	$1,768,000	STE 540
ALKAMI
5601 GRANITE PARKWAY	PLANO	TX	75024	SOFTWARE	$1,520,339	Suite 120

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	65	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST - LOANS	522100	$103,714,505	$103,714,505
SERVICE & MEMBER FEES	522100	$13,026,515	$11,154,594	$1,871,921
CREDIT CARD INCOME	522200	$12,083,923	$12,083,923
INSURANCE COMMISSIONS	524113	$1,528,482	$1,528,482
INT BEARING DEPOSITS	522100	$5,762,567	$5,762,567

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,397,189	TotalRevenueColumnAmt
Related Or Exempt Func Income	$5,397,189	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$141,513,181	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$11,581,793	TotalRevenueColumnAmt
Related Or Exempt Func Income	$11,581,793	RelatedOrExemptFuncIncomeAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$22,821	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$22,821	RealAmt
Personal	$0	PersonalAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$22,821	TotalRevenueColumnAmt
Related Or Exempt Func Income	$22,821	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$275,000	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$567,115	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt
Other	-$292,115	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$292,115	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$292,115	RelatedOrExemptFuncIncomeAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$152,825,680	TotalRevenueColumnAmt
Related Or Exempt Func Income	$150,953,759	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$1,871,921	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$478,653	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$2,322,379	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$26,596,029	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$816,037	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$11,539,541	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$2,486,895	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$438,753	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$223,488	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,606,268	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,706,213	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$8,507,930	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$5,580,981	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$222,835	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$590,305	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$37,513,664	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$3,916,280	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$483,056	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
BAD DEBT EXPENSE	$12,046,346
OUTSIDE SERVICES	$7,927,255
COLLECTIONS	$1,574,405
LOAN SERVICING EXPENSE	$2,826,989

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$7,453,931	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$136,858,233	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$19,615,806	BOYAmt
EOY	$24,086,758	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$158,105,590	BOYAmt
EOY	$191,379,248	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$11,837,810	BOYAmt
EOY	$12,061,785	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$1,607,966,562	BOYAmt
EOY	$1,677,043,049	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$74,635,199	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$30,695,131	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$45,035,735	BOYAmt
EOY	$43,940,068	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$242,788,276	BOYAmt
EOY	$331,930,489	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
EOY	$495,000	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$40,896,158	BOYAmt
EOY	$43,294,792	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$2,126,245,937	BOYAmt
EOY	$2,324,231,189	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$2,547,843	BOYAmt
EOY	$3,257,182	EOYAmt

Loans From Officers Directors LoansFromOfficersDirectorsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,894,936,763	BOYAmt
EOY	$2,065,586,015	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,897,484,606	BOYAmt
EOY	$2,068,843,197	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$228,761,331	BOYAmt
EOY	$255,387,992	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$228,761,331	BOYAmt
EOY	$255,387,992	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$2,126,245,937	BOYAmt
EOY	$2,324,231,189	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$15,967,447	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$10,659,214	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$10,000	PoliticalExpendituresAmt
Internal Funds Contributed	$10,000	InternalFundsContributedAmt
Total Exempt Function Expend	$10,000	TotalExemptFunctionExpendAmt
Form1120 POL Filed	false	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ICUPAC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 50425	AddressLine1Txt
City	INDIANAPOLIS	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46250	ZIPCd

Field	Value	IRS element (for citing)
EIN	350408785	EIN
Paid Internal Funds	$10,000	PaidInternalFundsAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule C, Part I-A, Line 1 Description of Political Activities	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION DONATED MONEY TO ICUPAC WHOSE PURPOSE IS TO RAISE FUNDS AND MAKE CONTRIBUTIONS TO LEGISLATORS, WITHOUT REGARD TO PARTY AFFILIATION, WHO HAVE DEMONSTRATED SUPPORT FOR THE LEGISLATIVE POSITIONS TAKEN BY CREDIT UNIONS REPRESENTED BY THE INDIANA CREDIT UNION LEAGUE.	ExplanationTxt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (true)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,087,862	OtherCostOrOtherBasisAmt
Book Value	$4,087,862	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$41,231,844	OtherCostOrOtherBasisAmt
Depreciation	$12,609,664	DepreciationAmt
Book Value	$28,622,180	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,988,779	OtherCostOrOtherBasisAmt
Depreciation	$2,131,491	DepreciationAmt
Book Value	$1,857,288	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$24,068,309	OtherCostOrOtherBasisAmt
Depreciation	$15,953,976	DepreciationAmt
Book Value	$8,114,333	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,258,405	OtherCostOrOtherBasisAmt
Book Value	$1,258,405	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$43,940,068	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (4 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
Closely-held equity interests
Financial derivatives
AVAILABLE FOR SALE SECURITIES	$330,563,302	F
HELD TO MATURITY SECURITIES	$1,367,187	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$331,930,489	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (4 entries)

DescDesc	AmtAmt
Federal Income Taxes
MEMBERS' DEPOSITS	$2,035,008,884
FHLB ADVANCES	$10,000,000
OTHER LIABILITIES	$20,577,131

Field	Value	IRS element (for citing)
Total Liability	$2,065,586,015	TotalLiabilityAmt
Other Revenue	$0	OtherRevenueAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$0	RevenueSubtotalAmt
Other Revenues Not Included	$0	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$0	TotalRevenuePerForm990Amt
Other Expenses Included	$0	OtherExpensesIncludedAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$0	ExpensesSubtotalAmt
Other Expenses Not Included	$0	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$0	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Schedule D, Part X, Line 2 ASC 740 DISCLOSURE:	MANAGEMENT HAS EVALUATED THEIR INCOME TAX POSITIONS UNDER THE GUIDANCE INCLUDED IN ASC 740. BASED ON THEIR REVIEW, MANAGEMENT HAS NOT IDENTIFIED ANY MATERIAL UNCERTAIN TAX POSITIONS TO BE RECORDED OR DISCLOSED IN THE FINANCIAL STATEMENTS.
Schedule D, Part IV, Line 2b Explanation of escrow agreement	ESCROW ACCOUNT: CENTRA CREDIT UNION ACTS AS A THIRD PARTY TRUSTEE THAT RECEIVES AND DISBURSES FUNDS TO PAY OBLIGATIONS OF ACCOUNT HOLDERS.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (true)	GrantRecordsMaintainedInd

Recipient Table RecipientTable

Recipient Business Name RecipientBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CENTRA FOUNDATION INC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3801 TUPELO DRIVE	AddressLine1Txt
City	COLUMBUS	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	47201	ZIPCd

Field	Value	IRS element (for citing)
Recipient EIN	455288066	RecipientEIN
IRC Section	501(C)(3)	IRCSectionDesc
Cash Grant	$478,653	CashGrantAmt
Purpose Of Grant	CHARITY, ENDOWMENT, & SCHOLARSHIPS	PurposeOfGrantTxt

Field	Value	IRS element (for citing)
Total501c3 Org	1	Total501c3OrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds	FormAndLineReferenceDesc
Explanation	CENTRA CREDIT UNION PROVIDES GENERAL SUPPORT AND SPONSORSHIPS TO SECTION 501(C)(3) AND 501(C)(19) TAX EXEMPT ORGANIZATIONS AND VERIFIES THE ORGANIZATIONS STATUS USING THE GUIDESTAR WEBSITE.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	false	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (true)	SubstantiationRequiredInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (true)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (9 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
RICK SILVERS
PRESIDENT & CEO	$639,832	$0	$183,530	$0	$0	$0	$9,900	$0	$30,950	$0	$864,212	$0	$0	$0
DAVID MANN
CHIEF FINANCIAL OFFICER	$327,397	$0	$97,594	$0	$0	$0	$10,400	$0	$11,621	$0	$447,012	$0	$0	$0
BRAD DAVIS
CHIEF GROWTH OFFICER	$255,546	$0	$86,340	$0	$0	$0	$10,400	$0	$21,689	$0	$373,975	$0	$0	$0
Swaminathan Seetharaman
CHIEF EXPERIENCE OFFICER	$243,541	$0	$89,290	$0	$0	$0	$8,485	$0	$27,145	$0	$368,461	$0	$0	$0
CRYSTAL RICKARD
MORTGAGE BROKER	$55,661	$0	$266,923	$0	$0	$0	$5,221	$0	$9,375	$0	$337,180	$0	$0	$0
DOUG SHARKEY
SVP MORTGAGE LOAN DELIVERY	$199,716	$0	$37,633	$0	$0	$0	$6,506	$0	$20,476	$0	$264,331	$0	$0	$0
KARL KISSINGER
SVP BUSINESS SERVICES	$196,725	$0	$36,414	$0	$0	$0	$5,955	$0	$21,089	$0	$260,183	$0	$0	$0
Brent Parks
SVP TECHNOLOGY	$192,193	$0	$38,447	$0	$0	$0	$7,412	$0	$22,978	$0	$261,030	$0	$0	$0
MELISSA JEWELL
SVP TEAM MEMBER EXPERIENCE	$182,572	$0	$35,100	$0	$0	$0	$7,023	$0	$11,280	$0	$235,975	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Schedule J, Part I, Line 1a Health or social club dues or initiation fees	CENTRA CREDIT UNION DOES NOT HAVE A WRITTEN POLICY REGARDING PAYMENT OR REIMBURSEMENT OF THE EXPENSES DESCRIBED IN 1A. HOWEVER, THE ORGANIZATION DID REQUIRE SUBSTANTIATION PRIOR TO REIMBURSING THE EXPENSES INCURRED. RICK SILVERS, DAVE MANN, BRAD DAVIS AND SWAMI SEETHARAMAN RECEIVED CLUB DUES AND THAT WAS TREATED AS TAXABLE INCOME.
Schedule J, Part I, Line 1b Written policy regarding payment or reimbursement of expenses	BOARD REVIEWED AND APPROVED.
Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan	PARTICIPATION IN SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN: CENTRA CREDIT UNION HAS A 457(f), SUPPLEMENTAL RETIREMENT PLAN, THAT TODD CHECK AND SWAMINATHAN SEETHARAMAN PARTICIPATE IN. IN ADDITION THE INDIVIDUALS LISTED BELOW ALSO PARTICIPATE IN SPLIT DOLLAR LIFE INSURANCE PLANS: -RICK SILVERS -DAVE MANN -BRAD DAVIS -PATTY KNORR -NORB ADRIAN -DAN ROBBINS

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (6 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
Rick Silvers
CEO	Yes (X)	$4,000,000	$4,340,395	false	Yes (true)	Yes (true)
Dave Mann
Officer	Yes (X)	$1,850,000	$2,095,167	false	Yes (true)	Yes (true)
Brad Davis
Officer	Yes (X)	$725,000	$821,079	false	Yes (true)	Yes (true)
Patty Knorr
Officer	Yes (X)	$1,600,000	$1,812,036	false	Yes (true)	Yes (true)
Norb Adrian
Officer	Yes (X)	$1,900,000	$2,121,004	false	Yes (true)	Yes (true)
Dan Robbins
Officer	Yes (X)	$600,000	$872,104	false	Yes (true)	Yes (true)

Field	Value	IRS element (for citing)
Total Balance Due	$12,061,785	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Line 6 Classes of members or stockholders	EVERY MEMBER OF THE CREDIT UNION HAVING PURCHASED ONE OR MORE SHARES OF STOCK IS A STOCKHOLDER.
Form 990, Part VI, Line 7a Members or stockholders electing members of governing body	ELIGIBLE MEMBERS RECEIVE ONE VOTE TO ELECT BY MAJORITY THE DIRECTORS OF THE CREDIT UNION.
Form 990, Part VI, Line 11b Review of form 990 by governing body	THE FORM 990 IS REVIEWED BY THE CFO PRIOR TO FILING THE RETURN. THE FORM 990 IS ALSO REVIEWED BY AN INDEPENDENT ACCOUNTING FIRM.
Form 990, Part VI, Line 12c Conflict of interest policy	CONFLICT OF INTEREST POLICIES ARE SIGNED ANNUAL BY EACH BOARD MEMBER AND OFFICER OF THE ORGANIZATION AND REVIEWED. IF A BOARD MEMBER HAS A CONFLICT THEY RECUSE THEMSELVES FROM DISCUSSIONS AND VOTING IN THAT AREA.
Form 990, Part VI, Line 15a Process to establish compensation of top management official	PAY INCREASES TO TOP MANAGEMENT ARE APPROVED AS PART OF THE ANNUAL REVIEW PROCESS WHERE CENTRA COMPARES CHANGES AGAINST MARKET DATA WHERE AVAILABLE. THIS IS ULTIMATELY APPROVED BY THE BOARD COMPENSATION COMMITTEE.
Form 990, Part VI, Line 19 Required documents available to the public	GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
Form 990, Part VIII, Line 2f Other Program Service Revenue	- Total Revenue: 5397189, Related or Exempt Function Revenue: 5397189, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ;

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	EINEIN	Primary ActivitiesPrimaryActivitiesTxt	Legal Domicile StateLegalDomicileStateCd	Total IncomeTotalIncomeAmt	End Of Year AssetsEndOfYearAssetsAmt	Business Name Line1DirectControllingEntityName/BusinessNameLine1Txt
CENTRA FINANCIAL SERVICES LLC
501 WASHINGTON ST	COLUMBUS	IN	47201	352157620	BANKING	IN	$3,130,847	$13,478,617	CENTRA CU
CFS TITLE LLC
501 WASHINGTON ST	COLUMBUS	IN	47201	843390715	TITLE SERVICE	IN	$2,838,949	$4,113,333	CENTRA CU