2026-08-10T09:20:54-05:00 2025-12-31 393647910 WIPFLI ADVISORY LLC 30 LONG CREEK DRIVE SOUTH PORTLAND ME 041062437 990 2025-01-01 010203515 SACO VALLEY CREDIT UNION SACO 2072826169 PO BOX 740 312 MAIN ST SACO ME 04072 KEVIN PARTRIDGE PRESIDENT 2072826169 2026-08-03 1 JULIA HOWLAND CPA P01711658 2077745701 2026-08-03 2025 2025-03-06 01:10:19Z KEVIN PARTRIDGE PO BOX 740 312 MAIN ST SACO ME 04072 10930660 0 X WWW.SACOVALLEY.ORG X 1947 ME PROVIDE MEMBERS WITH SAVINGS AND LOAN SERVICES. 7 7 42 7 23209 0 0 0 7268177 8047730 1138808 1229878 1246451 1223148 9653436 10500756 0 0 3130474 2964609 2748637 2991946 0 0 0 2476788 2650241 8355899 8606796 1297537 1893960 182747094 190796000 164185294 170340240 18561800 20455760 PROVIDE MEMBERS WITH SAVINGS AND LOAN SERVICES. 0 0 THE CREDIT UNION HAD 9,201 MEMBERS AS OF 12/31/2025. MEMBERS HAVE ACCESS TO A WIDE VARIETY OF LOW COST, HIGH QUALITY SERVICES. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 2690 0 42 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 0 0 1 1 1 1 1 1 1 0 X KEVIN PARTRIDGE 2072826169 PO BOX 740 312 MAIN ST SACO ME 04072 TIMOTHY NELSON BOARD CHAIRPERSON 6.00 X X 0 0 0 PAUL GOSSELIN TREASURER 5.00 X X 0 0 0 ED POLITO SECRETARY 4.00 X X 0 0 0 AARON CASE DIRECTOR 4.00 X 0 0 0 ROBERT DENTON DIRECTOR 5.00 X 0 0 0 ROBERTA MANNING DIRECTOR (THRU MAY 2025) 5.00 X 0 0 0 NICOLE SIROIS DIRECTOR 5.00 X 0 0 0 ROYAL SMITH DIRECTOR 4.00 X 0 0 0 KEVIN PARTRIDGE PRESIDENT/CEO 50.00 X 290294 0 53849 BENJAMIN GOSSELIN CHIEF FINANCIAL OFFICER 45.00 X 148627 0 29298 SEAN READY CHIEF LENDING OFFICER 45.00 X 133911 0 14899 AMY IRISH VP OF MARKETING AND DIGITAL SERVICES 45.00 X 114997 0 14425 687829 0 112471 4 0 1 0 SYNERGENT 2 LEDGEVIEW DRIVE WESTBROOK ME 04092 PROVIDER OF CORE BANKING SOFTWARE 604698 SYSTEMS ENGINEERING 120 EXCHANGE STREET PORTLAND ME 04101 IT SUPPORT SERVICES 214037 2 LOAN INTEREST INCOME 522291 8047730 8047730 8047730 1034782 1034782 625000 429904 195096 195096 195096 NON-MEMBER ATM FEES 522100 762629 754051 8578 FEE AND SERVICE INCOME 522100 325934 325934 OTHER INCOME 522100 119954 119954 14631 14631 1223148 10500756 9247669 23209 1229878 2964609 522068 1920050 138547 411281 143241 225554 509649 1023999 311569 65323 1495 LOAN SERVICING EXPENSE 168546 VISA EXPENSE 140178 OPERATING FEES 34600 DUES AND SUBSCRIPTIONS 25289 798 8606796 11287555 13689491 13740000 12780000 150447818 157583104 210877 227661 7295231 3601798 4338092 3693433 545849 568116 2176903 2254195 182747094 190796000 227508 311385 163957786 170028855 164185294 170340240 X 0 0 0 0 18561800 20455760 18561800 20455760 182747094 190796000 1893960 0 X 0 1 X 1 0 460313 460313 5305575 2467412 2838163 1529343 1134386 394957 3693433 MEMBERS SHARES & SAVINGS ACC 170028855 170028855 10500756 0 10500756 0 10500756 8606796 0 8606796 0 8606796 X 0 0 0 KEVIN PARTRIDGE PRESIDENT/CEO 275794 0 14500 0 0 0 11294 0 42555 0 344143 0 0 0 BENJAMIN GOSSELIN CHIEF FINANCIAL OFFICER 141127 0 7500 0 0 0 5640 0 23658 0 177925 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAD 9,201 MEMBERS AS OF 12/31/2025. FORM 990, PART VI, SECTION A, LINE 7A A NOMINATING COMMITTEE WORKS ON ESTABLISHING BOARD MEMBERS. THE NOMINATIONS ARE BROUGHT TO THE MEMBERSHIP AT THE ANNUAL MEETING, WHERE THEY ARE VOTED ON AT THAT TIME. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS REVIEWED BY SENIOR MANAGEMENT. FORM 990, PART VI, SECTION B, LINE 12C A REVIEW IS PERFORMED ANNUALLY TO ENSURE COMPLIANCE. FORM 990, PART VI, SECTION B, LINE 15 A REVIEW IS DONE ANNUALLY OF THE CEO AND TOP MANAGEMENT BY THE BOARD OF DIRECTORS. THE REVIEW OF OTHER OFFICERS AND KEY EMPLOYEES IS DONE BY THE CEO. FORM 990, PART VI, SECTION C, LINE 19 DOCUMENTS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH OFFICE.