Golden Plains Credit Union
Nonprofit profile at a glance
- EIN
- 480587457
- IRS 990 coverage
- 2008–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Garden City, KS, US
- Phone
- 620.275.2151
- Rating confidence
- Limited
Reported finances
- Revenue
- $69,364,251
- Expenses
- $59,108,713
- Assets
- $975,927,389
- Liabilities
- $848,054,486
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
16 people listed
Executive titles in this filing
- ROSA SAENZ (PRESIDENT/CEO (CURRENT))
Highest reported compensation
- ROSA SAENZ (PRESIDENT/CEO (CURRENT)): $506,552 total reported compensation
- TED UNDERWOOD (EVP): $465,821 total reported compensation
- JEREMY CURLO (VP INFORMATION TECHNOLOGY): $234,524 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 superior quality and value in every service offered.
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 51,636 loans outstanding totaling $835,102,135.
Operating model
- Revenue model
- Earned-program. 94% 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: 55
- Accountability: 86
- Sustainability: 68
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 88.9%; rating input score 89; 3rd percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- 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: 19.5%; rating input score 19; 8th 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: 6 of 9 controls in place; rating input score 67
- 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: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 14.8%; rating input score 79; 79th percentile among comparable filings
- Total-asset coverage ratio: 16.51; rating input score 90; 90th percentile among comparable filings
- Liabilities to assets ratio: 0.87; rating input score 13; 13th percentile among comparable filings
- Officer compensation ratio: 4.3%; rating input score 27; 27th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 7.4% per year; rating input score 100; 58th percentile among comparable filings
- Asset growth: 7.3% per year; rating input score 100; 52nd percentile among comparable filings
Details
- What they do: Mission, programs, and operating context captured from the official website.
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 5 of 5 board members independent · 6 of 9 filing controls reported
- Programs: 3 filed program accomplishments
- Leadership: top reported pay $507K · 16 people listed · 2 of 6 pay-setting controls reported
- Consistency: 10 of 11 current checks pass · 1 finding to review
- Schedules: 5 filed schedules · includes grants and executive pay
- Filing history: 17 filing years from 2008 to 2025
- Contacts: How to reach this organization
- Money network: 11 filed money-flow records
- Related organizations: 1 filed related-organization link
- 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 — Transparency & Controls: Grant itemization coverage scored 19/100.
- Review — Accountability: Governance controls: 2 of 8 not reported.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- High — Sustainability: Liabilities to assets ratio scored 13/100.
- High — Sustainability: Officer compensation ratio scored 27/100.