PARK SIDE FINANCIAL CREDIT UNION: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization: PARK SIDE FINANCIAL CREDIT UNION (EIN 23-7155544)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-07-22
IRS object ID: 202612039349301311
Schema version: 2025v4.2
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 D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2026-07-22T13:31:17-05:00	ReturnTs
Tax Period End	2025-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	393647910	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	WIPFLI ADVISORY LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	105 E PINE ST UPPER FLOOR	AddressLine1Txt
City	MISSOULA	CityNm
State Abbreviation	MT	StateAbbreviationCd
ZIP	59802	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	237155544	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	PARK SIDE FINANCIAL CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	PARK	BusinessNameControlTxt
Phone	4068622652	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1300 BAKER AVE	AddressLine1Txt
City	WHITEFISH	CityNm
State Abbreviation	MT	StateAbbreviationCd
ZIP	59937	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JEREMY PRESTA	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	4068622652	PhoneNum
Signature	2026-07-22	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	SAM BRUNSON CPA	PreparerPersonNm
PTIN	P01696998	PTIN
Phone	4067281800	PhoneNum
Preparation	2026-07-22	PreparationDt

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

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JEREMY PRESTA	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1300 BAKER AVE	AddressLine1Txt
City	WHITEFISH	CityNm
State Abbreviation	MT	StateAbbreviationCd
ZIP	59937	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$31,951,221	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	PARKSIDEFCU.COM	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Formation	1965	FormationYr
Legal Domicile State	MT	LegalDomicileStateCd
Activity Or Mission	PARK SIDE IS A NOT FOR PROFIT FINANCIAL COOPERATIVE THAT PROVIDES FINANCIAL SERVICES TO ITS MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	8	VotingMembersGoverningBodyCnt
Voting Members Independent	8	VotingMembersIndependentCnt
Total Employee	106	TotalEmployeeCnt
Total Volunteers	10	TotalVolunteersCnt
Total Gross UBI	$120,063	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$19,930,686	PYProgramServiceRevenueAmt
CY Program Service Revenue	$19,226,148	CYProgramServiceRevenueAmt
PY Investment Income	$1,210,685	PYInvestmentIncomeAmt
CY Investment Income	$3,135,929	CYInvestmentIncomeAmt
PY Other Revenue	$47,543	PYOtherRevenueAmt
CY Other Revenue	$47,926	CYOtherRevenueAmt
PY Total Revenue	$21,188,914	PYTotalRevenueAmt
CY Total Revenue	$22,410,003	CYTotalRevenueAmt
PY Grants And Similar Paid	$66,834	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$55,955	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$5,543,824	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$5,572,208	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$7,313,799	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$7,373,082	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$8,249,606	PYOtherExpensesAmt
CY Other Expenses	$8,535,969	CYOtherExpensesAmt
PY Total Expenses	$21,174,063	PYTotalExpensesAmt
CY Total Expenses	$21,537,214	CYTotalExpensesAmt
PY Revenues Less Expenses	$14,851	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$872,789	CYRevenuesLessExpensesAmt
Total Assets BOY	$377,195,754	TotalAssetsBOYAmt
Total Assets EOY	$378,545,910	TotalAssetsEOYAmt
Total Liabilities BOY	$347,629,309	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$346,643,606	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$29,566,445	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$31,902,304	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	WE WILL BE THE BEST PLACE FOR THE PEOPLE OF WESTERN MONTANA TO GET A LOAN.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PARK SIDE FINANCIAL CREDIT UNION IS A MEMBER-OWNED CO-OPERATIVE OFFERING A DIVERSE VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS PRIMARY FINANCIAL SERVICES ARE PROVIDING REAL ESTATE LOANS, CONSUMER LOANS, CHECKING ACCOUNTS, SAVINGS ACCOUNTS, AND TIME DEPOSITS TO ITS MEMBERS.AT DECEMBER 31, 2025 PARK SIDE FINANCIAL CREDIT UNION HAS 911 REAL ESTATE LOANS WITH A VALUE OF $148,409,130AT DECEMBER 31, 2025 PARK SIDE FINANCIAL CREDIT UNION HAS 10,798 CONSUMER LOANS WITH A VALUE OF $119,063,643AT DECEMBER 31, 2025 PARK SIDE FINANCIAL CREDIT UNION HAS 18,328 CHECKING ACCOUNTS WITH A VALUE OF $72,991,670 AT DECEMBER 31, 2025 PARK SIDE FINANCIAL CREDIT UNION HAS 34,558 SAVINGS ACCOUNTS WITH A VALUE OF $144,083,034 AT DECEMBER 31, 2025 PARK SIDE FINANCIAL CREDIT UNION HAS 3,017 TIME DEPOSIT ACCOUNTS WITH A VALUE OF $124,171,866	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	7850	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	106	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	8	GoverningBodyVotingMembersCnt
Independent Voting Member	8	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Phone	4068622652	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1300 BAKER AVE	AddressLine1Txt
City	WHITEFISH	CityNm
State Abbreviation	MT	StateAbbreviationCd
ZIP	59937	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (18 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
CARL THOMAS
CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
SCOTT ROBERTS
VICE CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
DAVE SUTHERLAND
SECRETARY/TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
DOUG GILBERTSON
DIRECTOR	1.00	Yes (X)		$0	$0	$0
RON JAROSCH
DIRECTOR (THRU 5/25)	1.00	Yes (X)		$0	$0	$0
DIANA LAMERS
DIRECTOR	1.00	Yes (X)		$0	$0	$0
MITCHELL LUCAS
DIRECTOR (THRU 12/25)	1.00	Yes (X)		$0	$0	$0
RICH PEDERSON
DIRECTOR	1.00	Yes (X)		$0	$0	$0
DARIA PEREZ
DIRECTOR	1.00	Yes (X)		$0	$0	$0
TERRY THORPE
DIRECTOR	1.00	Yes (X)		$0	$0	$0
JEREMY PRESTA
CEO	40.00		Yes (X)	$333,933	$0	$38,728
TROY BRACKEY
CFO	40.00		Yes (X)	$256,906	$0	$28,853
MAUREEN BRYAN
SENIOR VP OF HR	40.00		Yes (X)	$202,211	$0	$20,335
CAROL BENIGER
VP OF LENDING	40.00			$151,146	$0	$29,338	Yes (X)
JOSH KROLL
VP OF MARKETING	40.00			$140,846	$0	$28,292	Yes (X)
LAURA SCOVILLE
VP OF BACK OFFICE OPERATIONS	40.00			$138,430	$0	$24,360	Yes (X)
TERESA SHORT
VP OF IT	40.00			$142,945	$0	$19,795	Yes (X)
ALISA MCCONKEY
VP OF OPERATIONS	40.00			$139,201	$0	$28,283	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,505,618	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$217,984	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	9	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
VALERA
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CARD SERVICING	$843,141
MEMBER DRIVEN TECHNOLOGIES
30230 ORCHARD LAKE RD	FARMINGTON HILLS	MI	48334	DATA PROCESSING	$770,807
HAMMERQUIST CASALEGNO
1417 1ST AVE EAST	KALISPELL	MT	59901	GENERAL CONTRACTOR - NEW BRANCH	$612,211
VISA
1655 GRANT STREET	CONCORD	CA	94520	CARD SERVICING	$391,050
COOK SOLUTIONS GROUP INC
9225 NE CASCADES PARKWAY	PORTLAND	OR	97220	ITM SERVICES AND MAINTENANCE VENDOR	$371,891

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	13	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$15,190,817	$15,190,817
FEES AND CHARGES	522100	$4,035,331	$3,915,268	$120,063

Field	Value	IRS element (for citing)
Total Program Service Revenue	$19,226,148	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,126,151	TotalRevenueColumnAmt
Exclusion	$2,126,151	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$47,926	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$47,926	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$47,926	TotalRevenueColumnAmt
Exclusion	$47,926	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$8,180,775	SecuritiesAmt
Other	$2,370,221	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$8,146,876	SecuritiesAmt
Other	$1,394,342	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$33,899	SecuritiesAmt
Other	$975,879	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,009,778	TotalRevenueColumnAmt
Exclusion	$1,009,778	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$22,410,003	TotalRevenueColumnAmt
Related Or Exempt Func Income	$19,106,085	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$120,063	UnrelatedBusinessRevenueAmt
Exclusion	$3,183,855	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$55,955	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$5,572,208	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$880,966	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$5,085,855	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$285,332	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$677,808	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$443,121	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$6,314	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$134,925	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,342,212	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$609,428	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,071,717	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$605,946	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$110,565	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$173,528	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$607,035	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$123,080	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
CREDIT CARD & TRANSACTI	$1,755,808
ATM EXPENSE	$784,379
PROVISION FOR LOAN LOSS	$568,315
LOAN SERVICING COSTS	$475,502

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$167,215	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$21,537,214	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$7,813,042	BOYAmt
EOY	$6,832,674	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$19,721,476	BOYAmt
EOY	$11,698,248	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$935,430	BOYAmt
EOY	$1,046,946	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$2,923,547	BOYAmt
EOY	$2,974,709	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$281,692,624	BOYAmt
EOY	$266,438,000	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$901,624	BOYAmt
EOY	$1,153,180	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$22,492,224	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,898,011	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$11,116,357	BOYAmt
EOY	$15,594,213	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$28,418,393	BOYAmt
EOY	$51,098,012	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$11,935,884	BOYAmt
EOY	$13,173,473	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$11,737,377	BOYAmt
EOY	$8,536,455	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$377,195,754	BOYAmt
EOY	$378,545,910	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,429,529	BOYAmt
EOY	$1,249,739	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$3,000,000	BOYAmt
EOY	$0	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$3,000,000	BOYAmt
EOY	$3,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$340,199,780	BOYAmt
EOY	$342,393,867	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$347,629,309	BOYAmt
EOY	$346,643,606	EOYAmt

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

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$4,396,347	BOYAmt
EOY	$4,396,347	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

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

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$25,170,098	BOYAmt
EOY	$27,505,957	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$29,566,445	BOYAmt
EOY	$31,902,304	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$377,195,754	BOYAmt
EOY	$378,545,910	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$872,789	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,463,070	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,415,847	OtherCostOrOtherBasisAmt
Book Value	$5,415,847	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$11,535,258	OtherCostOrOtherBasisAmt
Depreciation	$2,732,626	DepreciationAmt
Book Value	$8,802,632	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$814,167	OtherCostOrOtherBasisAmt
Depreciation	$444,419	DepreciationAmt
Book Value	$369,748	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,510,307	OtherCostOrOtherBasisAmt
Depreciation	$3,544,628	DepreciationAmt
Book Value	$965,679	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$216,645	OtherCostOrOtherBasisAmt
Depreciation	$176,338	DepreciationAmt
Book Value	$40,307	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$15,594,213	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
MEMBER'S SHARES AND CERTIFICATES OF DEPOSIT	$341,246,571
OPERATING LEASE LIABILITY	$1,147,296

Field	Value	IRS element (for citing)
Total Liability	$342,393,867	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$22,410,003	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$22,410,003	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$22,410,003	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$21,537,214	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$21,537,214	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$21,537,214	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION IS GENERALLY EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES AND STATE CORPORATE BUSINESS TAX. HOWEVER, THE CREDIT UNION IS SUBJECT TO FEDERAL TAX ON NET UNRELATED BUSINESS INCOME. THE CREDIT UNION MAY RECOGNIZE A LIABILITY FOR UNRECOGNIZED TAX BENEFITS FROM UNCERTAIN TAX POSITIONS. UNRECOGNIZED TAX BENEFITS REPRESENT THE DIFFERENCES BETWEEN A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN AND THE BENEFIT RECOGNIZED AND MEASURED IN THE FINANCIAL STATEMENTS. INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS ARE CLASSIFIED AS INCOME TAX EXPENSE.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (8 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
JEREMY PRESTA
CEO	$327,931	$0	$765	$0	$5,237	$0	$19,751	$0	$18,977	$0	$372,661	$0	$0	$0
TROY BRACKEY
CFO	$256,138	$0	$768	$0	$0	$0	$15,377	$0	$13,476	$0	$285,759	$0	$0	$0
MAUREEN BRYAN
SENIOR VP OF HR	$201,271	$0	$744	$0	$196	$0	$8,652	$0	$11,683	$0	$222,546	$0	$0	$0
CAROL BENIGER
VP OF LENDING	$141,310	$0	$9,836	$0	$0	$0	$11,077	$0	$18,261	$0	$180,484	$0	$0	$0
JOSH KROLL
VP OF MARKETING	$131,010	$0	$9,836	$0	$0	$0	$10,235	$0	$18,057	$0	$169,138	$0	$0	$0
ALISA MCCONKEY
VP OF OPERATIONS	$129,317	$0	$9,866	$0	$18	$0	$10,226	$0	$18,057	$0	$167,484	$0	$0	$0
LAURA SCOVILLE
VP OF BACK OFFICE OPERATIONS	$128,455	$0	$9,836	$0	$139	$0	$10,211	$0	$14,149	$0	$162,790	$0	$0	$0
TERESA SHORT
VP OF IT	$133,109	$0	$9,836	$0	$0	$0	$10,182	$0	$9,613	$0	$162,740	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	JEREMY PRESTA PARTICIPATES IN A SPLIT DOLLAR LIFE INSURANCE AGREEMENT WITH THE ORGANIZATION. JEREMY DID NOT RECEIVE ANY DISTRIBUTIONS FROM THIS PLAN DURING 2025.	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Field	Value	IRS element (for citing)
Person	JEREMY PRESTA	PersonNm
Relationship With Org	EMPLOYEE	RelationshipWithOrgTxt
Loan Purpose	SPLIT-DOLLAR LIFE INSURANCE	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$2,495,000	OriginalPrincipalAmt
Balance Due	$2,974,709	BalanceDueAmt
Default	0	DefaultInd
Board Or Committee Approval	Yes (1)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (1)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$2,974,709	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE ORGANIZATION CONSISTS OF MEMBERS. TO BE A MEMBER, ONE MUST MAINTAIN A SHARE/SAVINGS ACCOUNT WITH A MINIMUM $5.00 BALANCE.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS ARE ENTITLED TO VOTE IN THE ANNUAL ELECTION OF THE BOARD OF DIRECTORS AND ON OTHER MATTERS.
FORM 990, PART VI, SECTION B, LINE 11B	THE BOARD OF DIRECTORS WILL REVIEW AND APPROVE THE FORM 990 PRIOR TO SUBMISSION TO THE INTERNAL REVENUE SERVICE.
FORM 990, PART VI, SECTION B, LINE 12C	THE ORGANIZATION IS REQUIRED TO DISCLOSE AND MONITOR CONFLICTS OF INTEREST. THE ORGANIZATION'S CONFLICT OF INTEREST POLICY APPLIES TO ALL EMPLOYEES, BOARD AND/OR COMMITTEE MEMBERS, AND FAMILY MEMBERS THEREOF. CONFLICTS OF INTEREST ARE REPORTED TO THE ENTIRE BOARD, AND THE BOARD WILL REVIEW ALL CONFLICTS. THE ORGANIZATION DOES NOT ALLOW FOR TRANSACTIONS THAT CREATE CONFLICTS OF INTEREST. ALL TRANSACTIONS WITH OUTSIDE FIRMS, FRIENDS OR FAMILY MEMBERS THAT ARE DISCLOSED AND DEEMED NOT TO PRESENT A CONFLICT OF INTEREST MUST BE CONDUCTED AT ARM'S LENGTH AND IN THE BEST INTEREST OF THE CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 15	THE BOARD ESTABLISHES AND APPROVES CEO COMPENSATION. OTHER OFFICERS AND C-LEVEL OFFICERS HAVE COMPENSATION DETERMINED BY EXTERNAL CUNA SALARY SURVEYS. THIS TAKES PLACE ANNUALLY. THE LAST TIME IT TOOK PLACE WAS AT THE DECEMBER 2025 BOARD MEETING FOR ALL EXECUTIVE STAFF. ALL ADJUSTMENTS ARE MADE EFFECTIVE JANUARY 1. THE ORGANIZATION RETAINS RECORDS OF THE CALCULATION OF AMOUNTS AND BOARD MEETING MINUTES WITH THE APPROVAL OF THE BUDGET.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION DOES NOT MAKE ITS GOVERNING DOCUMENTS OR CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE PROVIDED TO THE PUBLIC FOR VIEWING WITHIN OUR BRANCH LOBBIES (THE FINANCIALS ARE POSTED TO THE BRANCH LOBBIES ON A MONTHLY BASIS).
FORM 990, PART XII, LINE 2C:	THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.