2026-07-22T09:45:07-05:00 2025-12-31 872525370 CITRIN COOPERMAN ADVISORS LLC 7900 WESTPARK DR SUITE A220 MCLEAN VA 22102 990 2025-01-01 470583461 ASSOCIATION OF MILITARY BANKS OF AMERICA ASSO 5403473305 2300 WILSON BLVD SUITE 700 1042 ARLINGTON VA 22201 OMUSO GEORGE PRESIDENT & CEO 5403473305 2026-07-21 1 ALLISON PARSONS P01519444 7032814880 2026-07-21 2025 2025-03-06 01:10:19Z OMUSO GEORGE 2300 WILSON BLVD SUITE 700 1042 ARLINGTON VA 22201 1530110 0 X WWW.AMBAHQ.ORG X 1959 CO THE ASSOCIATION OF MILITARY BANKS OF AMERICA (AMBA) IS A NOT-FOR-PROFIT TRADE ASSOCIATION THAT REPRESENTS FINANCIAL INSTITUTIONS SPECIALIZING IN PROVIDING WORLDWIDE BANKING SERVICES FOR MILITARY PERSONNEL, VETERANS, AND THEIR FAMILIES. AMBA, THROUGH ITS MEMBERS AND WITH ITS PARTNERS, IS COMMITTED TO IMPROVING THE FINANCIAL READINESS OF THE U.S. MILITARY AND VETERAN COMMUNITIES BY PROVIDING FINANCIAL PRODUCTS, SERVICES, AND EDUCATION. 15 15 3 0 0 0 0 0 269419 293866 1756961 1236244 4131 0 2030511 1530110 0 0 0 0 458614 333331 0 0 0 741693 816459 1200307 1149790 830204 380320 10475182 10758667 98209 1374 10376973 10757293 X SEE SCHEDULE O. 0 0 IN 2025, AMBA CONTINUED ITS PARTNERSHIP WITH THE VETERANS BENEFITS BANKING PROGRAM (VBBP). VBBP IS A PROGRAM DESIGNED TO ENCOURAGE UNBANKED AND UNDERBANKED VETERANS TO OPEN BANK OR CREDIT UNION CHECKING ACCOUNTS INTO WHICH THEIR VA MONETARY BENEFITS CAN BE DEPOSITED AND MANAGED. THE PROGRAM IS INTENDED TO HELP VETERANS AVOID THE LACK OF SAFETY, RELIABILITY, AND FLEXIBILITY INHERENT IN THE ONLY OTHER WAYS THEY CAN RECEIVE THEIR GOVERNMENT BENEFITS: PREPAID DEBIT CARDS AND PAPER CHECKS. AS OF THE END OF 2025, VBBP IS CREDITED WITH "BANKING" OVER 670,000 VETERANS. WE CONTINUED TO BUILD ON THE SUCCESS OF VETCENTS AS A COMPONENT OF VBBP, AN INTERACTIVE FINANCIAL JOURNEY CONNECTING VETERANS WITH FINANCIAL EDUCATION AND RESOURCES TAILORED TO THEIR NEEDS. AS OF 2025, VETCENTS DREW RESPONSES FROM MORE THAN 2,684 VETERANS, SPOUSES AND BENEFICIARIES. MORE THAN HALF WERE VETERANS WHO ANSWERED QUESTIONS ABOUT THEIR FINANCES AND WENT DEEPER TO EXPLORE VETCENTS OFFERINGS. FROM 2024 THROUGH THE END OF 2025, VBBP ONE-ON-ONE COUNSELING SERVICES COMPLETED OVER 4,100 COUNSELING PRE-ASSESSMENTS AND 1,821 COUNSELING SESSIONS, DELIVERING A WEALTH OF PERSONALIZED ADVICE. THE AMBA REBRAND WAS A MAJOR STEP FORWARD FOR AMBA, AN EFFORT TO MODERNIZE ITS IDENTITY AND SHARPEN HOW IT COMMUNICATES ITS MISSION OF STRENGTHENING THE FINANCIAL READINESS OF SERVICE MEMBERS, VETERANS, AND THEIR FAMILIES. THE PROJECT INTRODUCED A STRONGER BRAND STORY, A MORE CONTEMPORARY LOOK, AND A CLEARER WAY OF EXPRESSING AMBA'S LEADERSHIP IN MILITARY BANKING. AT THE CENTER OF THIS WORK WAS A NEW, USER-FOCUSED WEBSITE BUILT TO HELP PEOPLE QUICKLY UNDERSTAND WHO AMBA IS, WHAT IT OFFERS, AND HOW ITS PROGRAMS AND ADVOCACY EFFORTS CREATE REAL IMPACT. GUIDED BY RESEARCH, MEMBER FEEDBACK, AND A DEEP DIVE INTO HOW BANKS AND THEIR STAFF ACTUALLY USE AMBA'S DIGITAL RESOURCES, AMBA REDESIGNED THE WEB EXPERIENCE TO BE MORE INTUITIVE, ACCESSIBLE, AND ENGAGING. NAVIGATION IS CLEANER, INFORMATION IS EASIER TO FIND, AND THE SITE BETTER HIGHLIGHTS THE VALUE AMBA DELIVERS EVERY DAY. THE REBRAND ALSO REIMAGINED AMBA'S ANNUAL WORKSHOP, THE MILITARY BANKING SUMMIT, INTO A MORE ENERGETIC, FUTURE-FACING EVENT NOW FULLY WOVEN INTO THE WEBSITE. TOGETHER, THESE UPDATES GIVE AMBA A SHARPER VOICE, A STRONGER DIGITAL FOUNDATION, AND A RENEWED SENSE OF MOMENTUM AS IT LEADS THE NEXT ERA OF MILITARY BANKING. AMBA HELD ITS INAUGURAL MILITARY BANKING SUMMIT, MBS2025 (FORMERLY THE FALL WORKSHOP), A REIMAGINED AND REDESIGNED CAPSTONE EVENT THAT BROUGHT TOGETHER ALL STAKEHOLDERS - MEMBER BANKS, MILITARY AND VETERAN SERVICE ORGANIZATIONS, GOVERNMENT AND REGULATORY OFFICIALS, INDUSTRY SERVICE PROVIDERS, AND INNOVATORS TO ADDRESS THE MOST PRESSING ISSUES AND OPPORTUNITIES ASSOCIATED WITH MILITARY BANKING. THE EVENT PROVIDED A PLATFORM FOR SHAPING FINANCIAL OUTCOMES FOR MILITARY AND VETERAN COMMUNITIES, ENABLING SMARTER SUPPORT, AND BUILDING SHARED UNDERSTANDING. 0 0 0 1 0 0 0 0 0 1 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 14 0 1 3 1 0 0 0 0 0 0 0 0 X 15 15 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 0 0 1 1 0 VA X OMUSO GEORGE 5403473305 2300 WILSON BLVD SUITE 700 1042 ARLINGTON VA 22201 MICHAEL S LEAGUE PAST CHAIRMAN 1.00 X X 0 0 0 STEVE BERES DIRECTOR 1.00 X 0 0 0 TIFFANY DAVIS-SCHAEFER DIRECTOR 1.00 X 0 0 0 LARRY T WILSON DIRECTOR 1.00 X 0 0 0 FRED A ALVARADO CHAIRMAN ELECT 1.00 X X 0 0 0 W H BILL CROAK DIRECTOR 1.00 X 0 0 0 JOHN RICHARDSON DIRECTOR 1.00 X 0 0 0 TODD FOX VICE CHAIRMAN 1.00 X X 0 0 0 JAMES M CARLILE DIRECTOR 1.00 X 0 0 0 LINDSEY STREETER DIRECTOR 1.00 X 0 0 0 JAMES SUTTON DIRECTOR 1.00 X 0 0 0 TOM MCLEAN DIRECTOR 1.00 X 0 0 0 SEAN PASSMORE DIRECTOR 1.00 X 0 0 0 KELLY HUGHES CHAIRMAN 1.00 X X 0 0 0 JILL CASTILLA DIRECTOR 1.00 X 0 0 0 OMUSO GEORGE PRESIDENT & CEO 40.00 X 360000 0 18542 360000 0 18542 1 0 1 0 THE NORMANDY GROUP LLC 1899 L STREET NW SUITE 520 WASHINGTON DC 20036 PUBLIC AFFAIRS CONSULTING 117500 1 WORKSHOP FEES 541900 157577 157577 MANAGEMENT FEES 541900 106789 106789 DUES 541900 29500 29500 293866 1236244 1236244 1530110 293866 0 1236244 X 255000 48406 14796 15129 2535 51640 117500 62096 173466 53722 8787 23466 6335 46925 261229 1069 6287 PAYROLL SERVICE 703 TAXES AND LICENSES 699 1149790 6939 4482 897112 869168 4666 15219 13157 3131 2062 9518000 9828289 50000 50000 10475182 10758667 707 1374 86789 0 10713 0 98209 1374 X 10376973 10757293 10376973 10757293 10475182 10758667 380320 0 X 0 1 X 0 0 0 0 1 29500 117500 374968 492468 29500 0 15219 13157 2062 2062 X PART X, LINE 2: THE ASSOCIATION RECOGNIZES AND MEASURES ITS UNRECOGNIZED TAX BENEFITS AND ASSESSES THE LIKELIHOOD THAT TAX POSITIONS WILL BE SUSTAINED UPON EXAMINATION BASED ON THE FACTS, CIRCUMSTANCES AND INFORMATION AVAILABLE AT THE END OF EACH PERIOD, INCLUDING THE TECHNICAL MERITS OF THOSE POSITIONS. THE MEASUREMENT OF UNRECOGNIZED TAX BENEFITS IS ADJUSTED WHEN NEW INFORMATION IS AVAILABLE OR WHEN AN EVENT OCCURS THAT REQUIRES A CHANGE. THE ASSOCIATION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS AND NO INTEREST OR PENALTIES HAVE BEEN RECORDED IN THE CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. X X 1 1 X X X X 0 0 0 OMUSO GEORGE PRESIDENT & CEO 300000 0 60000 0 0 0 18542 0 0 0 378542 0 0 0 PART I, LINE 1A NONRESIDENT SOCIAL CLUB DUES FOR THE PRESIDENT/CEO ARE FOR THE BENEFIT OF THE ASSOCIATION IN FURTHERANCE OF ITS PUBLIC AFFAIRS ACTIVITIES AND ARE REIMBURSED MONTHLY. THESE SOCIAL CLUB DUES ARE NOT TAXABLE COMPENSATION. THE ASSOCIATION REIMBURSES COMPANION TRAVEL FOR BOARD MEMBERS TO ATTEND BOARD MEETINGS. REIMBURSEMENTS OVER $600 ARE REPORTED ON A FORM 1099 EACH YEAR. PART I, LINE 3 COMPENSATION OF THE PRESIDENT/CEO IS DETERMINED UPON THE RECOMMENDATION OF THE EXECUTIVE COMMITTEE (CHAIRMAN OF THE BOARD OF DIRECTORS, CHAIRMAN-ELECT AND VICE CHAIRMAN) SUBSEQUENT TO A PERFORMANCE REVIEW. THE VOTING MEMBERS OF THE BOARD OF DIRECTORS APPROVE THE COMPENSATION OF THE PRESIDENT/CEO. FORM 990, PART VI, SECTION A, LINE 6 THE ASSOCIATION HAS THE FOLLOWING MEMBERSHIP CATEGORIES: MILITARY BANK REGULAR MEMBERS, MILITARY BANK ASSOCIATE MEMBERS, ASSOCIATE CORPORATE MEMBERS, AND ASSOCIATE INDIVIDUAL MEMBERS. ONLY ACTIVE MILITARY BANK REGULAR MEMBERS AND MILITARY BANK ASSOCIATE MEMBERS HAVE VOTING RIGHTS. MILITARY BANK REGULAR MEMBERS ARE DEFINED AS DEPARTMENT OF DEFENSE APPROVED, FEDERALLY INSURED BANKING INSTITUTIONS, MILITARY BANKING FACILITIES, OR BRANCHES OF SUCH INSTITUTIONS LOCATED ON A MILITARY ESTABLISHMENT. MILITARY BANK ASSOCIATE MEMBERS ARE FEDERALLY INSURED BANKING INSTITUTIONS OR BRANCHES THEREOF SERVING MILITARY PERSONNEL, VETERANS, AND THEIR FAMILIES BUT NOT LOCATED ON A MILITARY ESTABLISHMENT. FORM 990, PART VI, SECTION A, LINE 7A EACH ACTIVE MILITARY REGULAR BANK MEMBER OR MILITARY BANK ASSOCIATE MEMBER IS ENTITLED TO ONE VOTE FOR ASSOCIATION MATTERS AT MEMBERSHIP MEETINGS. ONLY AN OFFICER OR A DIRECTOR OF AN ACTIVE MBRM OR MBAM CAN SERVE AS A MEMBER OF THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B COPIES OF THE FORM 990 ARE FORWARDED VIA E-MAIL TO THE DIRECTORS FOR REVIEW AND COMMENT PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C ALL OFFICERS AND DIRECTORS ARE REQUIRED TO CERTIFY THE ABSENCE OF A CONFLICT OF INTEREST AT THE ANNUAL SPRING BOARD OF DIRECTORS MEETING. EACH OFFICER AND DIRECTOR ANNUALLY SIGNS A STATEMENT THAT HE OR SHE HAS RECEIVED A COPY OF THE CONFLICT OF INTEREST POLICY, HAS READ AND UNDERSTANDS THE POLICY, AND HAS AGREED TO COMPLY WITH THE POLICY. THE PRESIDENT/CEO CONDUCTS A PERIODIC REVIEW TO ENSURE COMPLIANCE WITH THE POLICY. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION OF THE PRESIDENT/CEO IS DETERMINED BY ANNUAL COMPARISON FOR SIMILARLY QUALIFIED PERSONS IN FUNCTIONALLY COMPARABLE POSITIONS AT SIMILARLY SITUATED ORGANIZATIONS AND UPON THE RECOMMENDATION OF THE EXECUTIVE COMMITTEE (CHAIRMAN OF THE BOARD OF DIRECTORS, CHAIRMAN-ELECT AND VICE CHAIRMAN) SUBSEQUENT TO A PERFORMANCE REVIEW. THE VOTING MEMBERS OF THE BOARD OF DIRECTORS APPROVE THE COMPENSATION OF THE PRESIDENT/CEO. FORM 990, PART VI, SECTION C, LINE 19 NO DOCUMENTS AVAILABLE TO THE PUBLIC. FORM 990, PART IX, LINE 11G COMMUNICATIONS CONSULTANT 42,163. MARKETING CONSULTANT 72,126. OTHER CONSULTANTS 59,177. AMBA SERVICES INC 11601 ROOSEVELT BLVD 94 SAINT PETERSBURG FL 33716 352580127 SUPPORT SERVICES FL ASSOCIATION OF MILITARY BANKS OF AMERICA C 591512 243632 1.00000 1 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 AMBA SERVICES INC F 670000 CASH RECEIPTS AMBA SERVICES INC O 153406 PRO RATA ALLOCATION