Azura Credit Union

Nonprofit profile at a glance

EIN
480625190
IRS 990 coverage
2008–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Topeka, KS, USA
Phone
800-432-2470
Rating confidence
Limited

Official website

Reported finances

Revenue
$59,124,279
Expenses
$56,344,221
Assets
$830,258,206
Liabilities
$745,321,140

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

Leadership & pay

23 people listed

Executive titles in this filing

  • GREG WINKLER (PRESIDENT/CEO)

Highest reported compensation

  • GREG WINKLER (PRESIDENT/CEO): $442,335 total reported compensation
  • BRENTT MOON (SVP-OPERATIONS & INFO SYST): $305,878 total reported compensation
  • JENNIFER KEIM (SVP-COMPLIANCE/CCO): $260,686 total reported compensation

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

Overview

Mission

People helping people. Above and beyond banking.

What it reported doing in 2025

Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2025, there were 41,655 loans outstanding totaling $580,904,858, including loan participations.

Operating model

Revenue model
Earned-program. 89% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 82
  • Accountability: 91
  • Sustainability: 54
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 91.7%; rating input score 92; 10th percentile among comparable filings
  • Pay-setting controls: 5 of 6 controls in place; rating input score 83
    • Compensation committee: Pass
    • Independent consultant: Missing
    • Other Form 990s reviewed: Pass
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 80.5%; rating input score 80; 23rd percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
  • Governance controls: 7 of 9 controls in place; rating input score 78
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 4.7%; rating input score 54; 54th percentile among comparable filings
  • Total-asset coverage ratio: 14.74; rating input score 88; 88th percentile among comparable filings
  • Liabilities to assets ratio: 0.9; rating input score 8; 8th percentile among comparable filings
  • Officer compensation ratio: 5.5%; rating input score 17; 17th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 12.6% per year; rating input score 100; 81st percentile among comparable filings
  • Asset growth: 9.5% per year; rating input score 100; 65th percentile among comparable filings

Details

  • What they do: 5 programs and campaigns described on the official site · 2 operating locations identified
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 9 of 9 board members independent · 7 of 9 filing controls reported
  • Programs: 3 filed program accomplishments
  • Leadership: top reported pay $442K · 23 people listed · 5 of 6 pay-setting controls reported
  • Consistency: 13 of 14 current checks pass · 1 finding to review
  • Schedules: 7 filed schedules · includes grants and executive pay
  • Filing history: 17 filing years from 2008 to 2025
  • Contacts: How to reach this organization
  • Money network: 34 filed money-flow records
  • Related organizations: 13 filed related-organization links
  • 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.

Key Signals

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

  • Review — Sustainability: Operating margin scored 54/100.
  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • High — Sustainability: Liabilities to assets ratio scored 8/100.
  • High — Sustainability: Officer compensation ratio scored 17/100.