Rogue Credit Union
Nonprofit profile at a glance
- EIN
- 930491115
- IRS 990 coverage
- 2015–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Medford, OR, USA
- Phone
- 800.856.7328
- Rating confidence
- Limited
Reported finances
- Revenue
- $225,240,586
- Expenses
- $200,882,793
- Assets
- $3,616,311,100
- Liabilities
- $3,340,753,833
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
17 people listed
Executive titles in this filing
- STEPHENSON MATTHEW C (CHIEF EXECUTIVE OFFICER)
Highest reported compensation
- STEPHENSON MATTHEW C (CHIEF EXECUTIVE OFFICER): $1,347,740 total reported compensation
- THURMAN BLAKE (CHIEF FINANCIAL OFFICER): $832,684 total reported compensation
- ROBERSON JEFFRY DEE (CHIEF INFORMATION OFFICER): $760,973 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide financial services that improve the lives of our members.
What it reported doing in 2024
Created a source of credit at a fair and reasonable rate of interest and provided an opportunity for members to use and control their own money in order to improve their economic and social condition. Profits are returned to members in the form of better rates and lower fees. Members are rewarded through rogue rewards for participation through loans, deposits and transactions.
Operating model
- Revenue model
- Earned-program. 75% 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: 76
- Accountability: 83
- Sustainability: 69
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 81.8%; rating input score 82; 0th percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Pass
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 73.3%; rating input score 73; 15th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 77.8%; rating input score 78; 26th 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: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 10.8%; rating input score 74; 74th percentile among comparable filings
- Total-asset coverage ratio: 18; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.92; rating input score 10; 10th percentile among comparable filings
- Officer compensation ratio: 2.9%; rating input score 39; 39th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 11.6% per year; rating input score 100; 82nd percentile among comparable filings
- Asset growth: 10.5% per year; rating input score 100; 72nd percentile among comparable filings
Details
- What they do: 15 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 9 board members independent · 8 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $1.3M · 17 people listed · 4 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $14.6M reported
- Consistency: 11 of 13 current checks pass · 2 findings to review
- Schedules: 7 filed schedules · includes grants and executive pay
- Filing history: 5 filing years from 2015 to 2024
- Contacts: How to reach this organization
- Money network: 49 filed money-flow records
- Related organizations: 26 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 — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Review — Transparency & Controls: Schedule R controlled transactions itemized did not reconcile in the filed values.
- Review — Accountability: Governance controls: Form 990 shared with the board not reported.
- High — Sustainability: Liabilities to assets ratio scored 10/100.
- Moderate — Sustainability: Officer compensation ratio scored 39/100.