944 Pillar Credit Union

Nonprofit profile at a glance

EIN
310646159
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Marion, OH, USA
Phone
7403899960
Rating
81
Verdict
STRONG
Rating confidence
Moderate

Official website

Reported finances

Revenue
$7,646,422
Expenses
$6,423,121
Assets
$124,419,489
Liabilities
$112,635,460

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

8 people listed

Executive titles in this filing

  • CHRISTINE GIBSON (CEO)

Highest reported compensation

  • CHRISTINE GIBSON (CEO): $119,565 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

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.

What it reported doing in 2025

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.

Operating model

Revenue model
Other-operating. 80% of the money available for current operations came from other operating revenue.
Distribution model
Hybrid. The nonprofit split its reported program spending across 53% for direct work, and 47% for member benefits.

The verdict

STRONG - The filed numbers largely add up and a large share of available resources goes toward mission work. Liabilities are high compared with assets.

Rating breakdown

  • Financial Efficiency: 64
  • Transparency & Controls: 90
  • Accountability: 100
  • Sustainability: 68
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 70.1%; rating input score 70
  • Program expense ratio: 74.6%; rating input score 75
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 8 of 8 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 16%; rating input score 67; 67th percentile among comparable filings
  • Total-asset coverage ratio: 19.37; rating input score 94; 94th percentile among comparable filings
  • Liabilities to assets ratio: 0.91; rating input score 4; 4th percentile among comparable filings
  • Officer compensation ratio: 1.9%; rating input score 75; 75th percentile among comparable filings

Growth

  • Program expense growth: 36.5% per year; rating input score 100; 94th percentile among comparable filings
  • Revenue growth: 6.2% per year; rating input score 100; 46th percentile among comparable filings
  • Asset growth: 5.8% per year; rating input score 100; 37th percentile among comparable filings

Details

  • Where the money goes: 70.1% of revenue deployed · 74.6% of spending went to programs
  • Governance: 7 of 7 board members independent · 8 of 8 filing controls reported
  • Programs: 3 filed program accomplishments · $4.8M in reported program spending
  • Leadership: top reported pay $120K · 8 people listed
  • Highest-paid contractors: 3 contractors listed · $658K reported
  • Consistency: 42 of 42 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Sustainability: Liabilities to assets ratio scored 4/100.