2025-05-05T14:37:06-07:00 2024-12-31 990 2024-01-01 362499724 DUPAGE CREDIT UNION DUPA 6304283440 1515 Bond Street Naperville IL 605630112 Ryan Fisher CFO 6304283440 2025-05-02 1 2024 2025-03-06 01:10:19Z Roberta Kozlowicz 1515 BOND STREET NAPERVILLE IL 60567 37972793 0 X www.dupagecu.com X COOPERATIVE 1956 IL AS A COOPERATIVE, WE OFFER FINANCIAL PRODUCTS AND SERVICES TO ENHANCE THE ECONOMIC WELL-BEING OF OUR MEMBERS NOW AND INTO THE FUTURE. 7 7 158 12 0 0 0 0 31587561 33664195 4992759 4208625 2600 4500 36582920 37877320 0 0 0 0 12511788 13386750 0 0 0 22245030 19008818 34756818 32395568 1826102 5481752 578226107 565310502 541029491 522313923 37196616 42996579 AS A COOPERATIVE, WE OFFER FINANCIAL PRODUCTS AND SERVICES TO ENHANCE THE ECONOMIC WELL-BEING OF OUR MEMBERS NOW AND INTO THE FUTURE. 0 0 Provided checking accounts to over 16,000 members. Provided first and second mortgage loans to over 5,000 members. Received deposits on savings from over 43,000 members. 0 0 0 0 0 0 1 0 0 0 0 1 0 1 0 0 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 0 0 1 0 0 1 158 1 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X DUPAGE CREDIT UNION 6304283440 1515 Bond Street Naperville IL 605630112 Diane Shelton President/CEO (Retired) 50 0 X 448240 0 33275 Roberta Kozlowicz President/CEO 50 0 X 329699 0 4625 Frank Sposito Chief Information Officer 50 0 X 232852 0 2521 Ryan Fisher Chief Financial Officer 50 0 X 210889 0 514 Amy Brandt Chief Experience Officer 50 0 X 197935 0 12398 James Chyllo AVP of Retail & Compliance 50 0 X 138498 0 26530 Rachelle Mulconrey AVP of Technology 50 0 X 164373 0 0 Diana Hughes Controller 50 0 X 119005 0 4716 Karis Harlan Director Real Estate Lending 50 0 X 117976 0 4550 Alex Heil Director Marketing 50 0 X 115367 0 1716 Renee Odierno-Kronenbitter Director HR 50 0 X 105489 0 2500 Jennifer Modiest Director of Payments 50 0 X 101722 0 4716 Jason DeGarmo Chief Lending Officer 50 0 X 43846 0 0 Debra Ragusa Chairman of the Board 5 0 X 0 0 0 Kaitlin Plucinski Vice Chairman of the Board 5 0 X 0 0 0 Michael Dzugan Board Secretary 5 0 X 0 0 0 Dennis Andre Board Member 5 0 X 0 0 0 Gary Saake Board Member 5 0 X 0 0 0 Robert O'Kelly Board Member 5 0 X 0 0 0 Bryan Jones Board Treasurer 5 0 X 0 0 0 2325891 0 98061 13 0 1 0 Fiserv Solutions 75 Remittance Drive Chicago IL 60675 Data transaction processing 261453 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY 120 PLANTO TX 75024 TECHNOLOGY 1037081 Jack Henry & Associates 663 West Highway 60 Monett MO 65708 Computer software 504202 MeridianLink 3560 Hyland Avenue Costa Mesa CA 92626 Lending technology 253361 CDW DIRECT 625 ADAMS ST CHICAGO IL 60661 COMPUTER HARDWARE & SOFTWARE 311049 12 0 INTEREST INCOME ON MEMBER LOANS 522100 27826896 27826896 0 0 FEES AND CHARGES TO COVER COSTS 522100 5740199 5740199 0 0 MEMBER INSURANCE RELATED ACTIVITIES 524298 97100 97100 0 0 0 0 0 0 33664195 4029668 4029668 0 0 0 0 0 0 0 0 0 0 9600 0 5100 0 4500 0 4500 4500 0 0 0 269330 0 90373 0 178957 178957 178957 0 0 0 37877320 37877320 0 0 2325891 0 2325891 8688641 0 8688641 271676 0 271676 1303905 0 1303905 796637 0 796637 73321 0 73321 85299 0 85299 139098 0 139098 417645 0 417645 1107444 0 1107444 1256408 0 1256408 0 0 0 683977 0 683977 39563 0 39563 2440 0 2440 2495953 0 2495953 60369 0 60369 1122822 0 1122822 409805 0 409805 DIVIDENDS ON MEMBER SHARES 3373699 0 3373699 0 PROVISION FOR LOAN LOSSES 608996 0 608996 0 CHECK PROCESSING ATM EXPENSES 1134335 0 1134335 0 LONA DISBURSEMENT & SERVICING EXPENSES 4403761 0 4403761 0 1593883 0 1593883 32395568 0 32395568 0 2025446 1721495 -7797062 -7799548 0 0 20892932 57228503 0 0 0 0 458755239 422574980 0 0 2567467 2616940 19991910 11572603 8841971 8419307 66533601 56361942 0 0 2775100 2118413 0 0 23631413 22068470 578226107 565310502 79023443 46264726 0 0 0 0 0 0 1325396 1123169 0 0 0 0 0 0 460680652 474926028 541029491 522313923 X 0 0 0 0 37196616 42996579 37196616 42996579 578226107 565310502 5481752 318211 0 0 0 0 X 0 1 X 1 0 15000 0 0 15000 15000 1 Credit Union Political Action Council 1807 West Diehl Road Naperville IL 60563 363092340 15000 0 Schedule C, Part I-A, Line 1 This organization's only political activity is the contribution to the CREDIT UNION POLITICAL ACTION COUNCIL that is reported in part 1-A and 1-C of this schedule C 0 1 X 2302037 0 2302037 10055127 0 5842108 4213019 338610 0 266139 72471 7296136 0 5464356 1831780 0 0 0 0 8419307 0 Member Deposits 474926028 474926028 Schedule D, Part IV, Line 2b Escrow balances held for taxes and insurance related to member mortgage accounts held by this credit union 0 1 0 Roberta Kozlowicz President/CEO 329699 0 0 0 0 0 0 0 4625 0 334324 0 0 0 Ryan Fisher Chief Financial Officer 210889 0 0 0 0 0 0 0 514 0 211403 0 0 0 Frank Sposito Chief Information Officer 232852 0 0 0 0 0 0 0 2521 0 235373 0 0 0 Amy Brandt Chief Experience Officer 197935 0 0 0 0 0 0 0 12398 0 210333 0 0 0 James Chyllo AVP of Retail & Compliance 138498 0 0 0 0 0 0 0 26530 0 165028 0 0 0 Rachelle Mulconrey AVP of Technology 164373 0 0 0 0 0 0 0 0 0 164373 0 0 0 Diana Hughes Controller 119005 0 0 0 0 0 0 0 4716 0 123721 0 0 0 Alex Heil Director Marketing 115367 0 0 0 0 0 0 0 1716 0 117083 0 0 0 Jennifer Modiest Director of Payments 101722 0 0 0 0 0 0 0 4716 0 106438 0 0 0 Diane Shelton President/CEO (Retired) 447240 0 0 0 0 0 0 0 33275 0 480515 0 0 0 Jason DeGarmo Chief Lending Officer 43846 0 0 0 0 0 0 0 0 0 43846 0 0 0 Renee Odierno-Kronenbitter Director HR 105489 0 0 0 0 0 0 0 2500 0 107989 0 0 0 Karis Harlan Director Real Estate Lending 117976 0 0 0 0 0 0 0 4550 0 122526 0 0 0 Schedule J, Part I, Line 4 Diane Shelton, retiring CEO at end of 2024, received 11394.10 for her 457(f) plan. Form 990, Part VI, Section A, Line 6 As of 12/31/2024 this credit union had 49,646 members. Form 990, Part VI, Section A, Line 7a "This credit union had 49,646 members who elect a Board of Directors at its Annual Meeting of Members which is traditionally held in March of each year." Form 990, Part VI, Section A, Line 7b "Changes or amendments to the credit union charter must be approved by the members and by regulatory authorities. Bylaw amendments may, but are not required to be, approved by the members. However, bylaw changes must be approved by a two-thirds majority of the Board of Directors and by regulatory authorities." Form 990, Part VI, Section B, Line 11b "A copy of the completed 990 tax return is made available to each member of the Board of Directors and is discussed at the first Board meeting after the return is completed and filed." Form 990, Part VI, Section B, Line 12c "All Officers, Directors, Committee Members, Trustees and Key Employees are required to submit a signed Conflict of Interest Statement annually to the Supervisory Committee and Board of Directors. The Supervisory Committee reviews all Statements annually and provides the Board of Directors with a summary of their review. The Committee and/or Board may deem it necessary to direct further inquiries to the appropriate individual(s) and may take further action when necessary. These actions may include, but are not limited to, requiring the individual(s) to divest themselves of the conflict and/or provide full disclosure." Form 990, Part VI, Section B, Line 15 "An independent third-party consultant conducts a periodic competitive market compensation study of all positions and compensation grade levels. A separate study is conducted in relation to the salary of the CEO. The study is presented by the consultant and is reviewed by management and the Board of Directors and is used to create the salary increase matrix. All employees receive an annual performance evaluation which is completed by the employee's supervisor. If appropriate, employees receive an increase in pay determined by the results of the evaluation and according to the percentages indicated in the salary increase matrix. The performance of the CEO is evaluated by the Board of Directors. The Board reviews the evaluation with the CEO and approves any changes in CEO compensation." Form 990, Part VI, Section C, Line 19 "All governing documents, the conflict of interest policy and financial statements are all available upon written request, and without charge, during regular business hours at the credit union's Operations Center and at all retail locations."