2026-07-22T13:31:17-05:00 2025-12-31 393647910 WIPFLI ADVISORY LLC 105 E PINE ST UPPER FLOOR MISSOULA MT 59802 990 2025-01-01 237155544 PARK SIDE FINANCIAL CREDIT UNION PARK 4068622652 1300 BAKER AVE WHITEFISH MT 59937 JEREMY PRESTA CEO 4068622652 2026-07-22 1 SAM BRUNSON CPA P01696998 4067281800 2026-07-22 2025 2025-03-06 01:10:19Z JEREMY PRESTA 1300 BAKER AVE WHITEFISH MT 59937 31951221 0 X PARKSIDEFCU.COM X 1965 MT PARK SIDE IS A NOT FOR PROFIT FINANCIAL COOPERATIVE THAT PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. 8 8 106 10 120063 0 0 0 19930686 19226148 1210685 3135929 47543 47926 21188914 22410003 66834 55955 5543824 5572208 7313799 7373082 0 0 0 8249606 8535969 21174063 21537214 14851 872789 377195754 378545910 347629309 346643606 29566445 31902304 X WE WILL BE THE BEST PLACE FOR THE PEOPLE OF WESTERN MONTANA TO GET A LOAN. 0 0 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 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 7850 0 1 106 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 1 0 X TROY BRACKEY 4068622652 1300 BAKER AVE WHITEFISH MT 59937 CARL THOMAS CHAIR 1.00 X X 0 0 0 SCOTT ROBERTS VICE CHAIR 1.00 X X 0 0 0 DAVE SUTHERLAND SECRETARY/TREASURER 1.00 X X 0 0 0 DOUG GILBERTSON DIRECTOR 1.00 X 0 0 0 RON JAROSCH DIRECTOR (THRU 5/25) 1.00 X 0 0 0 DIANA LAMERS DIRECTOR 1.00 X 0 0 0 MITCHELL LUCAS DIRECTOR (THRU 12/25) 1.00 X 0 0 0 RICH PEDERSON DIRECTOR 1.00 X 0 0 0 DARIA PEREZ DIRECTOR 1.00 X 0 0 0 TERRY THORPE DIRECTOR 1.00 X 0 0 0 JEREMY PRESTA CEO 40.00 X 333933 0 38728 TROY BRACKEY CFO 40.00 X 256906 0 28853 MAUREEN BRYAN SENIOR VP OF HR 40.00 X 202211 0 20335 CAROL BENIGER VP OF LENDING 40.00 X 151146 0 29338 JOSH KROLL VP OF MARKETING 40.00 X 140846 0 28292 LAURA SCOVILLE VP OF BACK OFFICE OPERATIONS 40.00 X 138430 0 24360 TERESA SHORT VP OF IT 40.00 X 142945 0 19795 ALISA MCCONKEY VP OF OPERATIONS 40.00 X 139201 0 28283 1505618 0 217984 9 0 1 0 VALERA 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CARD SERVICING 843141 MEMBER DRIVEN TECHNOLOGIES 30230 ORCHARD LAKE RD FARMINGTON HILLS MI 48334 DATA PROCESSING 770807 HAMMERQUIST CASALEGNO 1417 1ST AVE EAST KALISPELL MT 59901 GENERAL CONTRACTOR - NEW BRANCH 612211 VISA 1655 GRANT STREET CONCORD CA 94520 CARD SERVICING 391050 COOK SOLUTIONS GROUP INC 9225 NE CASCADES PARKWAY PORTLAND OR 97220 ITM SERVICES AND MAINTENANCE VENDOR 371891 13 INTEREST ON LOANS 522100 15190817 15190817 FEES AND CHARGES 522100 4035331 3915268 120063 19226148 2126151 2126151 47926 0 47926 47926 47926 8180775 2370221 8146876 1394342 33899 975879 1009778 1009778 22410003 19106085 120063 3183855 55955 5572208 880966 5085855 285332 677808 443121 6314 134925 1342212 609428 1071717 605946 110565 173528 607035 123080 CREDIT CARD & TRANSACTI 1755808 ATM EXPENSE 784379 PROVISION FOR LOAN LOSS 568315 LOAN SERVICING COSTS 475502 167215 21537214 7813042 6832674 19721476 11698248 935430 1046946 2923547 2974709 281692624 266438000 901624 1153180 22492224 6898011 11116357 15594213 28418393 51098012 11935884 13173473 11737377 8536455 377195754 378545910 1429529 1249739 3000000 0 3000000 3000000 340199780 342393867 347629309 346643606 X 4396347 4396347 0 0 25170098 27505957 29566445 31902304 377195754 378545910 872789 1463070 0 X X 0 1 X 1 0 5415847 5415847 11535258 2732626 8802632 814167 444419 369748 4510307 3544628 965679 216645 176338 40307 15594213 MEMBER'S SHARES AND CERTIFICATES OF DEPOSIT 341246571 OPERATING LEASE LIABILITY 1147296 342393867 X 22410003 0 22410003 0 22410003 21537214 0 21537214 0 21537214 PART X, LINE 2: THE CREDIT UNION IS GENERALLY EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES AND STATE CORPORATE BUSINESS TAX. HOWEVER, THE CREDIT UNION IS SUBJECT TO FEDERAL TAX ON NET UNRELATED BUSINESS INCOME. THE CREDIT UNION MAY RECOGNIZE A LIABILITY FOR UNRECOGNIZED TAX BENEFITS FROM UNCERTAIN TAX POSITIONS. UNRECOGNIZED TAX BENEFITS REPRESENT THE DIFFERENCES BETWEEN A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN AND THE BENEFIT RECOGNIZED AND MEASURED IN THE FINANCIAL STATEMENTS. INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS ARE CLASSIFIED AS INCOME TAX EXPENSE. X X X 0 1 0 JEREMY PRESTA CEO 327931 0 765 0 5237 0 19751 0 18977 0 372661 0 0 0 TROY BRACKEY CFO 256138 0 768 0 0 0 15377 0 13476 0 285759 0 0 0 MAUREEN BRYAN SENIOR VP OF HR 201271 0 744 0 196 0 8652 0 11683 0 222546 0 0 0 CAROL BENIGER VP OF LENDING 141310 0 9836 0 0 0 11077 0 18261 0 180484 0 0 0 JOSH KROLL VP OF MARKETING 131010 0 9836 0 0 0 10235 0 18057 0 169138 0 0 0 ALISA MCCONKEY VP OF OPERATIONS 129317 0 9866 0 18 0 10226 0 18057 0 167484 0 0 0 LAURA SCOVILLE VP OF BACK OFFICE OPERATIONS 128455 0 9836 0 139 0 10211 0 14149 0 162790 0 0 0 TERESA SHORT VP OF IT 133109 0 9836 0 0 0 10182 0 9613 0 162740 0 0 0 PART I, LINE 4B JEREMY PRESTA PARTICIPATES IN A SPLIT DOLLAR LIFE INSURANCE AGREEMENT WITH THE ORGANIZATION. JEREMY DID NOT RECEIVE ANY DISTRIBUTIONS FROM THIS PLAN DURING 2025. JEREMY PRESTA EMPLOYEE SPLIT-DOLLAR LIFE INSURANCE X 2495000 2974709 0 1 1 2974709 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION CONSISTS OF MEMBERS. TO BE A MEMBER, ONE MUST MAINTAIN A SHARE/SAVINGS ACCOUNT WITH A MINIMUM $5.00 BALANCE. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS ARE ENTITLED TO VOTE IN THE ANNUAL ELECTION OF THE BOARD OF DIRECTORS AND ON OTHER MATTERS. FORM 990, PART VI, SECTION B, LINE 11B THE BOARD OF DIRECTORS WILL REVIEW AND APPROVE THE FORM 990 PRIOR TO SUBMISSION TO THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION IS REQUIRED TO DISCLOSE AND MONITOR CONFLICTS OF INTEREST. THE ORGANIZATION'S CONFLICT OF INTEREST POLICY APPLIES TO ALL EMPLOYEES, BOARD AND/OR COMMITTEE MEMBERS, AND FAMILY MEMBERS THEREOF. CONFLICTS OF INTEREST ARE REPORTED TO THE ENTIRE BOARD, AND THE BOARD WILL REVIEW ALL CONFLICTS. THE ORGANIZATION DOES NOT ALLOW FOR TRANSACTIONS THAT CREATE CONFLICTS OF INTEREST. ALL TRANSACTIONS WITH OUTSIDE FIRMS, FRIENDS OR FAMILY MEMBERS THAT ARE DISCLOSED AND DEEMED NOT TO PRESENT A CONFLICT OF INTEREST MUST BE CONDUCTED AT ARM'S LENGTH AND IN THE BEST INTEREST OF THE CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD ESTABLISHES AND APPROVES CEO COMPENSATION. OTHER OFFICERS AND C-LEVEL OFFICERS HAVE COMPENSATION DETERMINED BY EXTERNAL CUNA SALARY SURVEYS. THIS TAKES PLACE ANNUALLY. THE LAST TIME IT TOOK PLACE WAS AT THE DECEMBER 2025 BOARD MEETING FOR ALL EXECUTIVE STAFF. ALL ADJUSTMENTS ARE MADE EFFECTIVE JANUARY 1. THE ORGANIZATION RETAINS RECORDS OF THE CALCULATION OF AMOUNTS AND BOARD MEETING MINUTES WITH THE APPROVAL OF THE BUDGET. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION DOES NOT MAKE ITS GOVERNING DOCUMENTS OR CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE PROVIDED TO THE PUBLIC FOR VIEWING WITHIN OUR BRANCH LOBBIES (THE FINANCIALS ARE POSTED TO THE BRANCH LOBBIES ON A MONTHLY BASIS). FORM 990, PART XII, LINE 2C: THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.