2026-05-07T15:06:53-07:00 2025-12-31 990 2025-01-01 310646159 944 PILLAR CREDIT UNION 944P 7403899960 300 BARKS ROAD EAST MARION OH 43302 CHRISTINE GIBSON Chief Executive Officer 7403899960 2026-05-08 2025 2025-03-06 01:10:19Z Pillar Credit Union 300 Barks Rd E Marion OH 43302 7646422 0 X www.pillarcu.com X 1960 OH THE CREDIT UNION PROVIDES FINANCIAL SERVICES AND EDUCATION TO QUALIFIED MEMBERS. 7 7 41 12 0 0 0 0 5450038 6071927 1185064 1519267 46927 55228 6682029 7646422 0 0 2167981 2231752 1415558 1551610 0 0 0 2362051 2639759 5945590 6423121 736439 1223301 113026918 124419489 102885900 112635460 10141018 11784029 TO PROVIDE LENDING, SAVINGS, EDUCATION, AND OTHER FINANCIAL SERVICES TO QUALIFIED MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKET PLACE AND WITH A SERVICE BASED EMPHASIS THAT RECOGNIZES THE MEMBERS STATUS AS OWNERS. 0 0 2231752 Dividends and interest paid to members on approximately 18,306 accounts held by 10,032 members. 2052166 Operating and occupancy expenses incurred providing saving deposit services, originating new loans, and servicing the loan portfolio for members. 508228 DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMEBERS TO THEIR ACCOUNTS VIA HOME BANKING, ATM NEWTWORKS AND IN PERSON AT THE CREDIT UNION. 0 0 0 4792146 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 1 0 0 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 1 1560 0 1 41 1 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 0 0 X Christine Gibson 7406929413 300 BARKS ROAD EAST MARION OH 43302 CHRISTINE GIBSON CEO 40 X 119565 0 0 BILL COLLINS DIRECTOR 0.50 X 0 0 0 CHERYL PLASTER DIRECTOR - SECRETARY 0.50 X 0 0 0 ADAM WILLAUER DIRECTOR - CHAIR 0.5 X 0 0 0 BECKY LANDIS DIRECTOR - TREASURER 0.50 X 0 0 0 CINDY J SCHIFER DIRECTOR 0.5 X 0 0 0 MATT KELLOOG DIRECTOR - VICE CHAIR 0.5 X 0 0 0 DON CRABBE DIRECTOR 0.50 X 0 0 0 119565 0 0 1 0 0 0 FISERV 255 Fiserv Dr Brookfield WI 53045 CARD PROCESSOR 366321 Computer Marketing Corporation 8520 South Sandy Parkway Sandy UT 84070 Data Processor 141956 Starfish Computer Corporation 24831 Lorain Rd North Olmsted OH 44070 Managed IT Services 149614 3 0 Loan Income 522100 4917235 4917235 0 0 Fee Income 522100 593747 593747 0 0 Interchange/surcharge income 522100 560945 560945 0 0 0 0 0 0 6071927 1519267 1519267 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Contract Incentives 522100 23720 23720 0 0 Sale of Insurance Products 522100 29296 29296 0 0 VSI Income 522100 2212 2212 0 0 0 0 0 0 55228 7646422 7646422 0 0 0 0 0 0 0 0 2231752 2231752 119565 0 119565 0 0 0 0 0 1182410 0 1182410 0 59441 0 59441 0 86236 0 86236 0 103958 0 103958 0 0 0 0 0 696 0 696 0 37260 0 37260 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 237645 237645 0 0 170407 170407 0 0 242130 242130 0 0 0 0 0 0 238191 238191 0 0 0 0 0 0 0 0 0 0 33761 33761 0 0 0 0 0 0 0 0 0 0 227419 227419 0 0 41409 0 41409 0 Lending 672708 672708 0 0 Plastics/ACH/Draft/Bank Fees 541813 541813 0 0 Supervisory Fee/Contributions/Misc. 120263 120263 0 0 ALM and Other Professional Services 76057 76057 0 0 6423121 4792146 1630975 0 672968 1568552 11977465 17820138 0 0 45956 12149 2294306 2363136 0 0 70460908 72133800 0 0 764326 801671 8650197 3318252 5106817 5331945 0 0 0 0 17840941 20148119 0 0 3863231 4239979 113026918 124419489 115479 219276 0 0 0 0 0 0 0 0 0 0 0 0 0 0 102770421 112416184 102885900 112635460 X 0 0 0 0 10141018 11784029 10141018 11784029 113026918 124419489 1223301 419710 0 0 0 0 X 0 1 X 1 0 0 626267 626267 0 5184471 1132810 4051661 0 35614 35614 0 0 2803845 2149828 654017 0 0 0 0 5331945 CDs & Agencies 17679787 F Corporate One Perpetual Capital 460450 C FHLB Investment 98000 C New York Life 1909882 C 20148119 Member Shares 112416184 112416184 7646422 0 0 0 0 0 7646422 0 0 0 7646422 6423121 0 0 0 0 0 6423121 0 0 0 6423121 Vidya Iyengar Former CEO Deferred Compensation X 1752920 2363136 0 1 1 2363136 Form 990, Part VI, Section A, Line 6 The credit union is comprised of a single class of approximately 10,032 voting member-owners, each having equal rights to ownership and voting rights at the annual meeting. Form 990, Part VI, Section A, Line 7a The credit union member-owners have the authority to elect members of the Board of Directors for a three-year term on a rotating basis. Form 990, Part VI, Section A, Line 7b Any changes to the governing documents (by-laws) of the credit union must be approved by the member-owners after they have been approved by the Board of Directors and the regulatory agency. A 51% majority vote from the membership is required for approval. Form 990, Part VI, Section B, Line 11b A copy of the form 990 and related schedules are reviewed by the CEO. After the CEO review, it is then reviewed by the Board of Directors. once reviewed, the form is submitted to the IRS. Form 990, Part VI, Section B, Line 12c Board members and officials annually complete a survey related to loans, business relationships, family members that could or do create a conflict of interest. They are also reminded at each meeting to disclose any changes in status. Form 990, Part VI, Section B, Line 15 The process used to set the CEO's salary is based on a combination of comparison to comparable-sized credit unions through the use of CUSG's Compease survey and the attainment in the current year of predefined performance objectives set for the CEO personally and the credit union. The process is performed by a sub-committee of the Board of Directors and presented to the whole for approval. Form 990, Part VI, Section C, Line 19 The credit union's bylaws, Conflict of Interest Policy, and Financial Statements are available for review to the public by appointment at the credit union office.