2026-09-22T13:06:35-05:00 2025-12-31 931743146 Eifel Rambo Advisory Group Ltd 20635 Abbey Woods Ct Suite 301 Frankfort IL 60423 990 2025-01-01 360757152 Fox Valley Credit Union FOXV 6308592276 575 N Broadway Aurora IL 60505 Kyle B Whelan President/CEO 6308592276 2026-09-22 1 Jason Gierhahn CPA P02385275 7086282365 2026-09-22 2025 Kyle B Whelan 575 N Broadway Aurora IL 60505 2432295 0 X www.foxvalleycu.com X Cooperative 1936 IL Illinois state chartered credit union offering financial services to its members. 10 9 14 9 2931 465 0 0 1416916 1379416 876368 1052879 0 0 2293284 2432295 0 0 0 0 751125 818241 0 0 0 1508164 1747499 2259289 2565740 33995 -133445 46077963 45669969 39298688 38978587 6779275 6691382 Illinois state chartered credit union operated for the mutual benefit of its members. The Credit Union makes loans to members and pays dividends to members with share deposits at a competitive rate of interest. 0 0 Credit Union makes and services consumer and real estate loans to members. The number of loans outstanding at 12/31/25 was 1,288 for a total of $15,239,129. Credit Union pays out dividends to its members share deposit accounts at a market rate of interest. The number of share accounts at 12/31/25 was 5,820 for a total of $38,644,940. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 3662 0 1 14 1 1 1 0 0 0 0 0 0 0 X 10 9 1 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X X Kyle B Whelan 6308592276 575 North Broadway Aurora IL 60505 Michelle Meyer Chairman 2.00 X X 0 0 0 Durrell Williams Vice Chairman 5.00 X X 0 0 0 Robin Lamb Treasurer 2.00 X X 0 0 0 Elizabeth Jarvis Secretary 2.00 X X 0 0 0 Dave Dolder Director 1.00 X 0 0 0 Judith Jarvis Director 1.00 X 0 0 0 Mark Lyons Director 1.00 X 0 0 0 Bobby Mitchell Director 1.00 X 0 0 0 Gerard Nickels Director 1.00 X 0 0 0 Jim Weiss Director - Term 1.00 X 0 0 0 Kyle B Whelan President/CEO 45.00 X 107860 0 37398 107860 0 37398 1 0 0 0 0 Member Loans 522291 1093085 1093085 Fee Income 522291 286331 283400 2931 1379416 1052879 1052879 2432295 1376485 2931 1052879 145258 550906 5677 59686 56714 16850 38770 179362 150191 162205 145662 11984 60400 48558 Member dividends 398024 Provision for loan loss 186053 Operations 184222 Loan servicing 121598 43620 2565740 759526 894543 1296274 2588555 17127713 15239129 151784 145422 853275 514757 354273 338518 25670426 2012904 23635000 717967 815898 46077963 45669969 191540 205628 39107148 38772959 39298688 38978587 X 0 0 0 0 6779275 6691382 6779275 6691382 46077963 45669969 -133445 45552 0 X 0 1 X 1 0 141517 141517 330054 240528 89526 381704 274229 107475 338518 Certificates of deposit 23635000 F 23635000 Members' share and savings accounts 38644940 Lease liability 128019 38772959 X 2432295 0 2432295 0 2432295 2565740 0 2565740 0 2565740 Part X, Line 2: Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2025 and 2024 that management believes is subject to taxation. Form 990, Part VI, Section A, line 2 Judith Jarvis (Director) and Elizabeth Jarvis (Director) have a family relationship. Form 990, Part VI, Section A, line 6 Membership consists of individuals with funds on deposit with the credit union. Form 990, Part VI, Section A, line 7a The membership participates in the annual election of the Board of Directors. Form 990, Part VI, Section A, line 7b Members have a vote on a Credit Union merger or liquidation. Form 990, Part VI, Section B, line 11b The Form 990 was reviewed by Senior Management and the Board of Directors. Form 990, Part VI, Section B, line 12c Potential conflicts monitored quarterly by the Supervisory Committee. Form 990, Part VI, Section B, line 15 Compensation of the CEO and Vice President is reviewed annually by an independent committee using comparability data and CUNA salary guidelines. Form 990, Part VI, Section C, line 19 Available upon request