Nonprofit · EIN 34-0925129
FRIENDS AND FAMILY CREDIT UNION
Tax-exempt · MASSILLON, OH 44646
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $6,144,310 | $5,377,624 | $766,686 | $108,639,673 | $99,971,629 | $8,668,044 |
| December 31, 2024 | 990 | $5,925,757 | $5,265,346 | $660,411 | $107,222,741 | $98,911,184 | $8,311,557 |
| December 31, 2023 | 990 | $5,349,694 | $4,947,667 | $402,027 | $107,654,308 | $99,776,194 | $7,878,114 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $5,356,718
- Investment income
- $780,047
- Other revenue
- $7,545
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $267,688
- Other salaries and wages
- $888,779
- Salaries, compensation and benefits (total)
- $1,551,029
- Professional fundraising fees
- $0
- Legal fees
- $4,500
- Accounting fees
- $33,180
- Occupancy
- $208,249
- Depreciation
- $207,608
Balance sheet and other
- Total assets, start of year
- $107,222,741
- Total assets, end of year
- $108,639,673
- Total liabilities, end of year
- $99,971,629
- Net assets, end of year
- $8,668,044
- Land, buildings and equipment
- $2,550,152
- Gross unrelated business income
- $374,320
- Gross receipts
- $6,144,310
- Employees
- 40
- Volunteers
- 7
- Year formed
- 1958
- State of legal domicile
- OH
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JEANNA COSTANZO | CEO Officer | 40 | $113,624 | $20,722 |
| HEIDI MASON | CFO Officer | 40 | $79,828 | $18,662 |
| TIM MAURER | DIRECTOR Trustee or director | 2 | $34,852 | $0 |
| JIM TRINER | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| MIKE LOUDIANA | VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| MELVILLE MAIER | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| GARY LUCAS | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| MICHAEL ZIEGELHOFER | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BILL HAMIT | DIRECTOR Trustee or director | 2 | $0 | $0 |
| TIMOTHY ROSS | DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JEANNA COSTANZO | CEO Officer | 40 | $111,040 | $18,693 |
| HEIDI MASON | CFO Officer | 40 | $75,309 | $16,743 |
| JIM TRINER | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| MIKE LOUDIANA | VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| MELVILLE MAIER | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| GARY LUCAS | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| MICHAEL ZIEGELHOFER | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BILL HAMIT | DIRECTOR Trustee or director | 2 | $0 | $0 |
| TIMOTHY ROSS | DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JEANNA COSTANZO | CEO Officer | 40 | $105,040 | $20,041 |
| HEIDI MASON | CFO Officer | 40 | $71,267 | $7,403 |
| JIM TRINER | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| MIKE LOUDIANA | VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| MELVILLE MAIER | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| GARY LUCAS | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| MICHAEL ZIEGELHOFER | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BILL HAMIT | DIRECTOR Trustee or director | 2 | $0 | $0 |
| TIMOTHY ROSS | DIRECTOR Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 3920 ERIE ST S, MASSILLON, OH 44646-7970
- Principal officer (990 for 2025)
- JEANNA COSTANZO, PO BOX 1250, MASSILLON, OH 44646
- Signed the 990
- JEANNA COSTANZO, CEO
- Phone
- (330) 832-1371
- Website
- WWW.FRIENDSANDFAMILYCU.COM
- Return prepared by
- MALONEY NOVOTNY LLC
Mission
SEE SCHEDULE O. THE FRIENDS AND FAMILY CREDIT UNION WAS FOUNDED IN 1958 TO SERVE THE FINANCIAL NEEDS OF EMPLOYEES OF THE MASSILLON SCHOOL SYSTEM. IN 2001, THE CREDIT UNION BECAME A COMMUNITY CHARTER CREDIT UNION. NOW, ALL BUSINESSES, INDIVIDUALS AND THEIR FAMILIES WHO LIVE, WORK, WORSHIP, OR ATTEND SCHOOL IN STARK COUNTY, OH ARE ELIGIBLE TO JOIN. FRIENDS AND FAMILY CREDIT UNION IS A FULL-SERVICE FINANCIAL INSTITUTION. THE FRIENDLY STAFF IS FULLY COMMITTED TO SERVICING ITS MEMBERSHIP. THE MEMBERS ARE OWNERS OF THE CREDIT UNION. PROFITS ARE RETURNED TO MEMBERS IN THE FORM OF HIGHER INTEREST ON SAVINGS, LOWER INTEREST RATES ON LOANS AND LOWER SERVICE FEES. MEMBERS ALSO ELECT A VOLUNTEER BOARD OF DIRECTORS THAT SET THE POLICIES FOR THE CREDIT UNION.
Program accomplishments
- MEMBER LOANS - THE CREDIT UNION STRIVES TO PROVIDE ITS MEMBERS WITH FINANCIAL FLEXIBILITY AND ENCOURAGE SAVINGS WITH VARIOUS TYPES OF LOANS IN THE FOLLOWING CATEGORIES: AUTOMOBILE LOANS, MORTGAGE LOANS, UNSECURED LOANS, REAL ESTATE LOANS, AND OTHER VARIOUS TYPES. AS OF YEAR END, THE CREDIT UNION HAD 5,829 LOANS OUTSTANDING.
- DEPOSITORY ACCOUNTS - THE CREDIT UNION STRIVES TO PROVIDE ITS MEMBERS WITH FINANCIAL FLEXIBILITY AND ENCOURAGE SAVINGS WITH VARIOUS TYPES OF DEPOSITORY ACCOUNTS. THE CREDIT UNION CURRENTLY OFFERS DEPOSITORY ACCOUNTS IN VARIETIES SUCH AS DRAFT ACCOUNTS, CHECKING ACCOUNTS, SAVINGS ACCOUNTS, CERTIFICATE OF DEPOSIT ACCOUNTS, INDIVIDUAL RETIREMENT ACCOUNTS, MONEY MARKET ACCOUNTS, AND OTHER VARIOUS TYPES. AS OF THE YEAR END, THE THERE WERE 19,331 DEPOSITORY ACCOUNTS HELD AT THE CREDIT UNION.
- DEBIT CARD PROGRAM - THE CREDIT UNION STRIVES TO PROVIDE ITS MEMBERS WITH FINANCIAL FLEXIBILITY AND ENCOURAGE SAVINGS WITH THE ALLOWANCE OF A DEBIT CARD.
- MEMBER SERVICES, INCLUDING INTERNET BANKING AND BILL PAY IN ORDER TO PROVIDE MEMBERS WITH FASTEST AND SAFEST WAYS OF TRANSACTING BUSINESS. INCLUDES OVERDRAFT PROTECTION TO ASSIST MEMBERS WITH SERVICES TO AVOID UNWANTED FEES.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 34-0925129
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1969
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1990: OHIO CHARTERED CREDIT UNIONS
- Assets (IRS master file)
- $108,639,673
- Income (IRS master file)
- $6,144,310
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $6,144,310 | $5,377,624 | $108,639,673 | IRS |
| 990 | December 2024 | $5,925,757 | $5,265,346 | $107,222,741 | XML |
| 990 | December 2023 | $5,349,694 | $4,947,667 | $107,654,308 | XML |
| 990 | December 2022 | $4,365,367 | $4,078,337 | $109,610,235 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 34-0925129).
Questions about FRIENDS AND FAMILY CREDIT UNION
- What is the EIN of FRIENDS AND FAMILY CREDIT UNION?
- The employer identification number (EIN) of FRIENDS AND FAMILY CREDIT UNION is 34-0925129.
- Is FRIENDS AND FAMILY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1969.
- Are donations to FRIENDS AND FAMILY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does FRIENDS AND FAMILY CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of FRIENDS AND FAMILY CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did FRIENDS AND FAMILY CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of FRIENDS AND FAMILY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names JEANNA COSTANZO.
- Who are the officers and directors of FRIENDS AND FAMILY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 10 people; 3 received compensation from the organization, the highest $113,624 (JEANNA COSTANZO, CEO).
- How much revenue does FRIENDS AND FAMILY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $6,144,310, expenses of $5,377,624 and total assets of $108,639,673 at year end.
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