UNITY ONE CREDIT UNION: Form 990, tax year 2025
View the entire original 990 at ProPublica ↗
- Organization
- UNITY ONE CREDIT UNION (EIN 41-0447515)
- Tax period
- 2025-01-01 to 2025-12-31
- Filed
- 2026-07-06
- IRS object ID
- 202641879349300994
- 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 ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2026-07-06T11:39:22-05:00 | ReturnTs |
| Tax Period End | 2025-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 410746749 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CLIFTONLARSONALLEN LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1145 BROADWAY SUITE 1300 | AddressLine1Txt |
| City | TACOMA | CityNm |
| State Abbreviation | WA | StateAbbreviationCd |
| ZIP | 98402 | 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 | 410447515 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | UNITY ONE CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | UNIT | BusinessNameControlTxt |
| Phone | 8173063127 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6701 BURLINGTON BOULEVARD | AddressLine1Txt |
| City | FORT WORTH | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 76131 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | SCOTT WARD | PersonNm |
| Person Title | PRESIDENT & CEO | PersonTitleTxt |
| Phone | 8173063127 | PhoneNum |
| Signature | 2026-06-30 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | ROSALINDA MARIKAR CPA | PreparerPersonNm |
| PTIN | P01684134 | PTIN |
| Phone | 2532721555 | PhoneNum |
| Preparation | 2026-06-30 | 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 | SCOTT WARD | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6701 BURLINGTON BOULEVARD | AddressLine1Txt |
| City | FORT WORTH | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 76131 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $16,400,802 | GrossReceiptsAmt |
| Group Return For Affiliates | 0 | GroupReturnForAffiliatesInd |
| All Affiliates Included | Yes (1) | AllAffiliatesIncludedInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.UNITYONE.ORG | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1927 | FormationYr |
| Legal Domicile State | TX | LegalDomicileStateCd |
| Activity Or Mission | PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. | ActivityOrMissionDesc |
| Voting Members Governing Body | 7 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 7 | VotingMembersIndependentCnt |
| Total Employee | 106 | TotalEmployeeCnt |
| Total Volunteers | 10 | TotalVolunteersCnt |
| Total Gross UBI | $8,777 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $0 | NetUnrelatedBusTxblIncmAmt |
| PY Contributions Grants | $0 | PYContributionsGrantsAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $13,996,429 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $13,563,898 | CYProgramServiceRevenueAmt |
| PY Investment Income | $2,451,570 | PYInvestmentIncomeAmt |
| CY Investment Income | $2,769,717 | CYInvestmentIncomeAmt |
| PY Other Revenue | $85,929 | PYOtherRevenueAmt |
| CY Other Revenue | $67,187 | CYOtherRevenueAmt |
| PY Total Revenue | $16,533,928 | PYTotalRevenueAmt |
| CY Total Revenue | $16,400,802 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $0 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $0 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $5,629,903 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $5,889,593 | CYSalariesCompEmpBnftPaidAmt |
| PY Total Prof Fndrsng Expns | $0 | PYTotalProfFndrsngExpnsAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $11,048,870 | PYOtherExpensesAmt |
| CY Other Expenses | $11,055,338 | CYOtherExpensesAmt |
| PY Total Expenses | $16,678,773 | PYTotalExpensesAmt |
| CY Total Expenses | $16,944,931 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | -$144,845 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | -$544,129 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $290,035,161 | TotalAssetsBOYAmt |
| Total Assets EOY | $271,259,560 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $280,411,590 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $258,406,127 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $9,623,571 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $12,853,433 | NetAssetsOrFundBalancesEOYAmt |
| Mission | PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS PRIMARY DEPOSIT PRODUCTS ARE SHARE ACCOUNTS, CERTIFICATES OF DEPOSIT AND SHARE DRAFT ACCOUNTS, WHILE ITS PRIMARY LOAN PRODUCTS ARE SINGLE FAMILY RESIDENCE AND CONSUMER LOANS. | MissionDesc |
| Significant New Program Srvc | 0 | SignificantNewProgramSrvcInd |
| Significant Change | 0 | SignificantChangeInd |
| Desc | LOANS: PROVIDING CONSUMER LOANS OF ALL TYPES, INCLUDING VEHICLE LOANS, UNSECURED LOANS, AND CREDIT CARDS. ALSO OFFERING RESIDENTIAL MORTGAGES AND SMALL BUSINESS LOANS. | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | SHARE SAVINGS ACCOUNTS: PROVIDING SHARE SAVINGS ACCOUNTS TO MEMBERS, OFFERING SPECIAL SHARE SAVINGS ACCOUNTS TO MINORS. | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | CHECKING ACCOUNTS: PROVIDING CHECKING ACCOUNTS WITH VARYING FEATURES. OFFERING BENEFITS SUCH AS ATM ACCESS, DEBIT CARDS AS WELL AS ON-LINE BENEFITS SUCH AS BILL PAYING. | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| 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 | Yes (1) | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | 0 | ReportProgramRelatedInvstInd |
| Report Other Assets | 0 | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (1) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | 0 | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | 0 | 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 | 0 | 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 | 0 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| 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 | 7 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 7 | 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 | Yes (1) | LocalChaptersInd |
| Policies Reference Chapters | Yes (1) | PoliciesReferenceChaptersInd |
| Form990 Provided To Gvrn Body | 0 | 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 | CHRISTINA CARSTENS | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 8173063127 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6701 BURLINGTON BOULEVARD | AddressLine1Txt |
| City | FORT WORTH | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 76131 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (14 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Key EmployeeKeyEmployeeInd | Highest Compensated EmployeeHighestCompensatedEmployeeInd |
|---|---|---|---|---|---|---|---|---|
| VINCENT ACCARDO | ||||||||
| CHAIRMAN OF THE BOARD | 3.00 | Yes (X) | Yes (X) | $0 | $0 | $0 | ||
| RICHARD EBEL | ||||||||
| VICE CHAIR | 3.00 | Yes (X) | Yes (X) | $0 | $0 | $0 | ||
| PATRICK FORSYTH | ||||||||
| SECRETARY/TREASURER | 3.00 | Yes (X) | Yes (X) | $0 | $0 | $0 | ||
| MARY DIGGS | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $0 | $0 | $0 | |||
| DALE MARISTUEN | ||||||||
| DIRECTOR (LEFT 03/2025) | 3.00 | Yes (X) | $0 | $0 | $0 | |||
| GREGORY PATIENT | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $0 | $0 | $0 | |||
| WILLIAM RUPP | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $0 | $0 | $0 | |||
| TIMOTHY SAVOY | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $0 | $0 | $0 | |||
| SCOTT WARD | ||||||||
| PRESIDENT / CEO | 40.00 | Yes (X) | $400,308 | $0 | $469,086 | |||
| BETH PETERS | ||||||||
| VP LENDING | 40.00 | $164,035 | $0 | $26,000 | Yes (X) | |||
| PATTY REVIS | ||||||||
| VICE PRESIDENT OF HUMAN RESOURCES | 40.00 | $109,243 | $0 | $46,933 | Yes (X) | |||
| NATHAN WEBB | ||||||||
| VP TECHNOLOGY | 40.00 | $159,115 | $0 | $45,870 | Yes (X) | |||
| JACKIE WISNESKI | ||||||||
| VP RETAIL | 40.00 | $128,056 | $0 | $54,030 | Yes (X) | |||
| HERB GARCIA | ||||||||
| VICE PRESIDENT OF RISK | 40.00 | $115,246 | $0 | $19,875 | Yes (X) | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $1,076,003 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $661,794 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 6 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | 0 | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (1) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | 0 | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (2 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| FISVISA | |||||
| PO BOX 4535 | CAROL STREAM | IL | 601974535 | CARD PROCESSING | $1,436,777 |
| CORELATION INC | |||||
| 2305 HISTORIC DECATUR RD 300 | SAN DIEGO | CA | 92106 | CORE SERVICES | $581,904 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 2 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (4 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt |
|---|---|---|---|
| INTEREST ON MEMBER LOANS | 522291 | $11,128,268 | $11,128,268 |
| FEE INCOME | 525990 | $2,308,831 | $2,308,831 |
| OPERATING INCOME | 522100 | $84,189 | $84,189 |
| GAP INSURANCE | 524298 | $42,610 | $42,610 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $13,563,898 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $2,769,717 | TotalRevenueColumnAmt |
| Exclusion | $2,769,717 | ExclusionAmt |
Royalties Revenue RoyaltiesRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $58,410 | TotalRevenueColumnAmt |
| Exclusion | $58,410 | ExclusionAmt |
Other Revenue Misc OtherRevenueMiscGrp (2 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|
| ATM FEES | 525990 | $6,852 | $6,852 |
| EXTENDED WARRANTIES | 524114 | $1,925 | $1,925 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $8,777 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $16,400,802 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $13,563,898 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $8,777 | UnrelatedBusinessRevenueAmt |
| Exclusion | $2,828,127 | ExclusionAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part IX | Yes (X) | InfoInScheduleOPartIXInd |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $687,082 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,859,255 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $188,929 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $830,858 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $323,469 | TotalAmt |
Fees For Services Management FeesForServicesManagementGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $98,000 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $14,000 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $25,920 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,831,983 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $420,003 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $852,257 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $517,500 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,493 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $384,745 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $113,165 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| INTEREST ON MEMBER DEPO | $3,360,919 |
| PROVISION FOR LOAN LOSS | $1,672,352 |
| LOAN SERVICING | $559,658 |
| DUES | $150,320 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $53,023 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $16,944,931 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $531,910 | BOYAmt |
| EOY | $1,650,805 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $182,225,533 | BOYAmt |
| EOY | $162,688,669 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $14,106,527 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $7,119,872 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,612,523 | BOYAmt |
| EOY | $6,986,655 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $55,860,496 | BOYAmt |
| EOY | $53,069,593 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $36,189,353 | BOYAmt |
| EOY | $37,707,410 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $9,615,346 | BOYAmt |
| EOY | $9,156,428 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $290,035,161 | BOYAmt |
| EOY | $271,259,560 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $659,767 | BOYAmt |
| EOY | $114,857 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $279,751,823 | BOYAmt |
| EOY | $258,291,270 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $280,411,590 | BOYAmt |
| EOY | $258,406,127 | 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 | $0 | BOYAmt |
| EOY | $0 | 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 | $9,623,571 | BOYAmt |
| EOY | $12,853,433 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $9,623,571 | BOYAmt |
| EOY | $12,853,433 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $290,035,161 | BOYAmt |
| EOY | $271,259,560 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expnss | -$544,129 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $3,773,991 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $0 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | 0 | AccountantCompileOrReviewInd |
| FS Audited | 0 | FSAuditedInd |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,542,496 | OtherCostOrOtherBasisAmt |
| Book Value | $1,542,496 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $6,403,031 | OtherCostOrOtherBasisAmt |
| Depreciation | $3,386,836 | DepreciationAmt |
| Book Value | $3,016,195 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $187,707 | OtherCostOrOtherBasisAmt |
| Depreciation | $187,707 | DepreciationAmt |
| Book Value | $0 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $5,973,293 | OtherCostOrOtherBasisAmt |
| Depreciation | $3,545,329 | DepreciationAmt |
| Book Value | $2,427,964 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $6,986,655 | TotalBookValueLandBuildingsAmt |
Other Securities OtherSecuritiesGrp (4 entries)
| DescDesc | Book ValueBookValueAmt | Method ValuationMethodValuationCd |
|---|---|---|
| OTHER INVESTMENTS IN CORP CREDIT UNIONS | $32,396,433 | F |
| DEPOSITS IN BANKS | $2,249,000 | F |
| NCUA SHARE INSURANCE DEPOSIT | $2,597,866 | F |
| DEPOSITS AND PAID IN CAPITAL | $464,111 | F |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Securities | $37,707,410 | TotalBookValueSecuritiesAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (6 entries)
| DescDesc | AmtAmt |
|---|---|
| OTHER LIABILITIES | $1,338,156 |
| SHARES AND DRAFT ACCOUNTS | $146,396,572 |
| RETIREMENT ACCOUNTS | $6,025,735 |
| OTHER SHARE ACCOUNTS | $101,890,641 |
| ACCRUED INTEREST | $212,076 |
| 457(F) LIABILITY | $2,428,090 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $258,291,270 | TotalLiabilityAmt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Compensation Committee | Yes (X) | CompensationCommitteeInd |
| Independent Consultant | Yes (X) | IndependentConsultantInd |
| 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 (5 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SCOTT WARD | ||||||||||||||
| PRESIDENT / CEO | $325,568 | $0 | $65,740 | $0 | $9,000 | $0 | $393,347 | $0 | $75,739 | $0 | $869,394 | $0 | $0 | $0 |
| NATHAN WEBB | ||||||||||||||
| VP TECHNOLOGY | $135,680 | $0 | $23,435 | $0 | $0 | $0 | $10,137 | $0 | $35,733 | $0 | $204,985 | $0 | $0 | $0 |
| BETH PETERS | ||||||||||||||
| VP LENDING | $143,137 | $0 | $20,898 | $0 | $0 | $0 | $10,059 | $0 | $15,941 | $0 | $190,035 | $0 | $0 | $0 |
| JACKIE WISNESKI | ||||||||||||||
| VP RETAIL | $108,578 | $0 | $19,478 | $0 | $0 | $0 | $8,434 | $0 | $45,596 | $0 | $182,086 | $0 | $0 | $0 |
| PATTY REVIS | ||||||||||||||
| VICE PRESIDENT OF HUMAN RESOURCES | $109,243 | $0 | $0 | $0 | $0 | $0 | $7,341 | $0 | $39,592 | $0 | $156,176 | $0 | $0 | $0 |
Supplemental Information Detail SupplementalInformationDetail (2 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| PART I, LINE 3 | THE PRESIDENT/CEO'S SALARY IS DETERMINED BY THE PERSONNEL COMMITTEE OF THE BOARD OF DIRECTORS AFTER CONSIDERATION OF THE SALARY SURVEY MATERIAL PROVIDED BY THE CREDIT UNION EXECUTIVE SOCIETY. THE FULL BOARD APPROVES THE SALARY AND ANY RAISES. OTHER OFFICER COMPENSATION IS ALSO DETERMINED BY THE PERSONNEL COMMITTEE BASED ON SALARY SURVEYS. |
| PART I, LINE 4B | SCOTT WARD - SUPPLEMENTAL NON-QUALIFIED 457(F) RETIREMENT PLAN - NO DISTRIBUTIONS IN 2025. |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (8 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 1A | THE EXECUTIVE COMMITTEE OF UNITY ONE CREDIT UNION HAS THE AUTHORITY TO APPROVE OR DENY LOAN REQUESTS BY BOARD MEMBERS AND THE CEO. IT ALSO HAS THE AUTHORITY TO ADMINISTER THE NONQUALIFIED DEFERRED COMPENSATION PLANS THAT THE CREDIT UNION HAS PUT IN PLACE. |
| FORM 990, PART VI, SECTION A, LINE 6 | ALL ACCOUNT HOLDERS AT THIS CREDIT UNION ARE MEMBERS OF THE ORGANIZATION. |
| FORM 990, PART VI, SECTION A, LINE 7A | AS NOTED IN THE BYLAWS, VACANCIES ON THE BOARD OF DIRECTORS WILL BE FILLED BY ELECTION AT EACH ANNUAL MEETING BY AND FROM THE MEMBERSHIP OF CREDIT UNION. |
| FORM 990, PART VI, SECTION B, LINE 11B | FORM 990 IS PREPARED WITH INFORMATION PROVIDED TO THE CREDIT UNION'S CPA FIRM. THE VICE PRESIDENT - FINANCE REVIEWS A DRAFT OF THE RETURN AND APPROVES THE FINAL VERSION FOR PRESENTATION TO THE BOARD AFTER ANY NECESSARY REVISIONS HAVE BEEN MADE. |
| FORM 990, PART VI, SECTION B, LINE 12C | THE BYLAWS OF THE ORGANIZATION PROHIBIT ANY OFFICER, DIRECTOR, COMMITTEE MEMBER OR EMPLOYEE OF THE CREDIT UNION FROM PARTICIPATING IN ANY MANNER IN THE DELIBERATION UPON OR DETERMINATION OF ANY LOAN, INVESTMENT OR ANY OTHER MATTER AFFECTING HIS/HER FINANCIAL INTEREST OR THE FINANCIAL INTEREST OF ANY ORGANIZATION OTHER THAN UNITY ONE CREDIT UNION IN WHICH HE/SHE IS DIRECTLY OR INDIRECTLY INTERESTED. FURTHERMORE, THE BUSINESS CONDUCT POLICY OF THE CREDIT UNION FORBIDS DIRECTORS, COMMITTEE MEMBERS, EMPLOYEES OR AGENTS FROM PUTTING THEMSELVES IN A POSITION WHERE THEIR INTERESTS COULD BE IN CONFLICT WITH THE BEST INTEREST OF THE CREDIT UNION. NO CREDIT UNION DIRECTOR, COMMITTEE MEMBER, EMPLOYEE OR AGENT SHALL DIRECTLY OR THROUGH A CONTROLLED ENTITY BE A SUPPLIER TO, OR A PURCHASER FROM, THE CREDIT UNION OF GOODS OR SERVICES UNLIKE THOSE OFFERED TO THE PUBLIC. EMPLOYEES OF THE CREDIT UNION MONITOR COMPLIANCE WITH THE BYLAWS AND POLICIES. |
| FORM 990, PART VI, SECTION B, LINE 15 | THE PRESIDENT/CEO'S SALARY IS DETERMINED BY THE PERSONNEL COMMITTEE OR THE BOARD OF DIRECTORS AFTER CONSIDERATION OF THE SALARY SURVEY MATERIAL PROVIDED BY THE CREDIT UNION EXECUTIVE SOCIETY. THE FULL BOARD APPROVES THE SALARY AND ANY RAISES. OTHER OFFICER COMPENSATION IS ALSO DETERMINED BY THE PERSONNEL COMMITTEE BASED ON SALARY SURVEYS. COMPENSATION WAS LAST REVIEWED IN DECEMBER OF 2025. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2025. |
| FORM 990, PART VI, SECTION C, LINE 19 | UNITY ONE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND POLICIES AVAILABLE UPON REQUEST. THE FINANCIAL STATEMENTS ARE AVAILABLE ON ITS WEBSITE. |
| FORM 990, PART IX, LINE 11G | OUTSIDE PROCESSING 2,199,080. SYSTEM SECURITY 57,326. BRANCH SECURITY 182,552. OTHER 393,025. |