Consumers Credit Union

Nonprofit profile at a glance

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

24 people listed

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Nearly everyone can become a member! Find out how you can join on our membership eligibility page.

Served 144,166 members by offering loans, deposits, and various other financial products.

Revenue model: Earned-program. 97% 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 available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
Foreign activity oversight: Limited
Grant itemization coverage: Limited
Major donor itemization: Limited
Related-party transparency: Limited

Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass

Operating margin: 13.6%; rating input score 80; 80th percentile among comparable filings
Total-asset coverage ratio: 17.46; rating input score 96; 96th percentile among comparable filings
Liabilities to assets ratio: 0.91; rating input score 12; 12th percentile among comparable filings
Officer compensation ratio: 4.8%; rating input score 18; 18th percentile among comparable filings

Program expense growth: Limited
Revenue growth: 12.8% per year; rating input score 100; 85th percentile among comparable filings
Asset growth: 14.1% per year; rating input score 100; 84th percentile among comparable filings

What they do: 2 programs and campaigns described on the official site · 1 operating location identified
Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
Governance: 7 of 7 board members independent · 8 of 9 filing controls reported
Programs: 1 filed program accomplishment
Leadership: top reported pay $896K · 24 people listed · 4 of 6 pay-setting controls reported
Highest-paid contractors: 5 contractors listed · $16.9M reported
Consistency: 12 of 12 current checks pass
Schedules: 4 filed schedules · includes executive pay
Filing history: 14 filing years from 2010 to 2024
Contacts: How to reach this organization
Money network: 20 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.

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

Review — Accountability: Governance controls: Other executive compensation review process not reported.
High — Sustainability: Liabilities to assets ratio scored 12/100.
High — Sustainability: Officer compensation ratio scored 18/100.