Park Side Financial Credit Union

Nonprofit profile at a glance

EIN
237155544
IRS 990 coverage
2014–2025
Forms available
Form 990 2025
Location
Whitefish, MT, USA
Phone
4068622652
Rating confidence
Limited

Reported finances

Revenue
$22,410,003
Expenses
$21,537,214
Assets
$378,545,910
Liabilities
$346,643,606

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

Leadership & pay

18 people listed

Executive titles in this filing

  • JEREMY PRESTA (CEO)

Highest reported compensation

  • JEREMY PRESTA (CEO): $372,661 total reported compensation
  • TROY BRACKEY (CFO): $285,759 total reported compensation
  • MAUREEN BRYAN (SENIOR VP OF HR): $222,546 total reported compensation

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

Overview

Mission

We will be the best place for the people of western Montana to get a loan.

What it reported doing in 2025

Park side financial credit union is a member-owned co-operative offering a diverse variety of financial services to its members. Its primary financial services are providing real estate loans, consumer loans, checking accounts, savings accounts, and time deposits to its members.at december 31, 2025 park side financial credit union has 911 real estate loans with a value of $148,409,130at december 31, 2025 park side financial credit union has 10,798 consumer loans with a value of $119,063,643at december 31, 2025 park side financial credit union has 18,328 checking accounts with a value of $72,991,670 at december 31, 2025 park side financial credit union has 34,558 savings accounts with a value of $144,083,034 at december 31, 2025 park side financial credit union has 3,017 time deposit accounts with a value of $124,171,866

Operating model

Revenue model
Earned-program. 90% 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: 77
  • Accountability: 100
  • Sustainability: 50
  • Growth: 60

Detailed rating inputs

Financial Efficiency

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

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 3 of 6 controls in place; rating input score 50
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Pass
    • 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

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 9 of 9 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: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 3.9%; rating input score 40; 40th percentile among comparable filings
  • Total-asset coverage ratio: 17.58; rating input score 91; 91st percentile among comparable filings
  • Liabilities to assets ratio: 0.92; rating input score 5; 5th percentile among comparable filings
  • Officer compensation ratio: 8%; rating input score 36; 36th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 7.3% per year; rating input score 100; 59th percentile among comparable filings
  • Asset growth: 7.4% per year; rating input score 100; 53rd percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 8 of 8 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment
  • Leadership: top reported pay $373K · 18 people listed · 3 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $3M reported
  • Consistency: 12 of 12 current checks pass
  • Schedules: 4 filed schedules · includes executive pay
  • Filing history: 12 filing years from 2014 to 2025
  • Contacts: How to reach this organization
  • Money network: 9 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.

  • Moderate — Sustainability: Operating margin scored 40/100.
  • High — Sustainability: Liabilities to assets ratio scored 5/100.
  • Moderate — Sustainability: Officer compensation ratio scored 36/100.