Nonprofit · EIN 34-1035977
CHRISTIAN FAMILY CREDIT UNION INC
Tax-exempt · MILFORD, OH 45150
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $3,773,364 | $3,617,636 | $155,728 | $80,857,452 | $71,172,046 | $9,685,406 |
| December 31, 2024 | 990 | $3,400,580 | $3,650,116 | -$249,536 | $78,932,667 | $70,265,345 | $8,667,322 |
| December 31, 2023 | 990 | $3,285,283 | $3,090,393 | $194,890 | $84,588,228 | $76,047,310 | $8,540,918 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $304,591
- of which government grants
- $304,591
- Program service revenue
- $2,270,661
- Investment income
- $1,198,112
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $417,549
- Other salaries and wages
- $441,292
- Salaries, compensation and benefits (total)
- $1,142,628
- Professional fundraising fees
- $0
- Legal fees
- $11,451
- Accounting fees
- $31,800
- Occupancy
- $179,028
- Travel
- $20,891
- Depreciation
- $103,655
Balance sheet and other
- Total assets, start of year
- $78,932,667
- Total assets, end of year
- $80,857,452
- Total liabilities, end of year
- $71,172,046
- Net assets, end of year
- $9,685,406
- Land, buildings and equipment
- $2,580,741
- Gross unrelated business income
- $1,846
- Gross receipts
- $3,773,364
- Employees
- 20
- Volunteers
- 8
- Year formed
- 1939
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 |
|---|---|---|---|---|
| KAREN RIEL | PRESIDENT / Officer | 40 | $121,937 | $37,560 |
| LEO FELDMANN | VP ACCOUNTIN Officer | 40 | $73,359 | $17,688 |
| MARY TURNER | VP COMPLIANC Officer | 40 | $54,195 | $22,340 |
| MICHELLE LAPRESTO | COMM LENDING Officer | 40 | $52,011 | $23,940 |
| NICK MORISSETTE | BRANCH MANAG Officer | 40 | $60,042 | $14,478 |
| TERRY LAWS | CONSUM LEND Officer | 40 | $56,005 | $6,600 |
| JON FERGUSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN GORDON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| THOMAS HANOVER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAIREL KAISER | SECRETARY Trustee or director | 1 | $0 | $0 |
| JAMES MARTIN | VICE CHAIRPE Trustee or director | 1 | $0 | $0 |
| BRENDA REED | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAUL WHITE | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| KERRY WOOD | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KAREN RIEL | PRESIDENT / Officer | 40 | $134,371 | $22,200 |
| LEO FELDMANN | VP ACCOUNTIN Officer | 40 | $75,645 | $17,604 |
| ROBIN CHAPPEL | MEMBER SERVI Officer | 40 | $60,851 | $24,480 |
| MICHELLE LAPRESTO | COMM LENDING Officer | 40 | $51,865 | $23,784 |
| TERRY LAWS | CONSUM LEND Officer | 40 | $56,696 | $6,600 |
| MARY TURNER | VP COMPLIANC Officer | 40 | $36,621 | $9,674 |
| PHIL DEVER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JON FERGUSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN GORDON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| THOMAS HANOVER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAIREL KAISER | SECRETARY Trustee or director | 1 | $0 | $0 |
| JAMES MARTIN | VICE CHAIRPE Trustee or director | 1 | $0 | $0 |
| AMY PRITCHARD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| VERA REBROVICH | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAUL WHITE | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| KERRY WOOD | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KAREN RIEL | PRESIDENT / Officer | 40 | $125,968 | $14,640 |
| LEO FELDMANN | VP ACCOUNTIN Officer | 40 | $71,630 | $15,834 |
| ROBIN CHAPPEL | VP MEMBER SO Officer | 40 | $60,428 | $21,123 |
| MICHELLE LA PRESTO | COMM LENDING Officer | 40 | $60,497 | $8,227 |
| TERRY LAWS | CONSUM LEND Officer | 40 | $56,694 | $6,600 |
| PHIL DEVER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JON FERGUSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN GORDON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| THOMAS HANOVER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAIREL KAISER | SECRETARY Trustee or director | 1 | $0 | $0 |
| JAMES MARTIN | VICE CHAIRPE Trustee or director | 1 | $0 | $0 |
| AMY PRITCHARD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| VERA REBROVICH | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAUL WHITE | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 410 CHAMBER DR, MILFORD, OH 45150-3098
- Principal officer (990 for 2025)
- KAREN RIEL, 410 CHAMBER DRIVE, MILFORD, OH 45150
- Signed the 990
- LEO FELDMANN, VP ACCOUNTING & FIN
- Phone
- (513) 528-1521
- Website
- WWW.CHRISTIANFAMILYCU.COM
- Return prepared by
- WAVERLY BUSINESS SERVICES
Mission
THE MISSION OF CHRISTIAN FAMILY CREDIT UNION IS TO PROVIDE SOLUTIONS FOR OUR MEMBERS TO ACHIEVE FINANCIAL SECURITY.
Program accomplishments
- THE ORGANIZATION IS A STATE CHARTERED MEMBER OWNED COOPERATIVE CREDIT UNION THAT PROVIDES FINANCIAL SERVICES FOR THE MEMBER OWNERS.
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
- 34-1035977
- 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)
- $80,857,452
- Income (IRS master file)
- $3,773,364
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $3,773,364 | $3,617,636 | $80,857,452 | XML |
| 990 | December 2024 | $3,400,580 | $3,650,116 | $78,932,667 | XML |
| 990 | December 2023 | $3,285,283 | $3,090,393 | $84,588,228 | XML |
| 990 | December 2022 | $2,879,242 | $2,576,841 | $90,647,762 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | 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 34-1035977).
Questions about CHRISTIAN FAMILY CREDIT UNION INC
- What is the EIN of CHRISTIAN FAMILY CREDIT UNION INC?
- The employer identification number (EIN) of CHRISTIAN FAMILY CREDIT UNION INC is 34-1035977.
- Is CHRISTIAN FAMILY CREDIT UNION INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1969.
- Are donations to CHRISTIAN FAMILY CREDIT UNION INC tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CHRISTIAN FAMILY CREDIT UNION INC 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 CHRISTIAN FAMILY CREDIT UNION INC 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 CHRISTIAN FAMILY CREDIT UNION INC 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 CHRISTIAN FAMILY CREDIT UNION INC?
- The 990 for the year ended December 31, 2025 names KAREN RIEL.
- Who are the officers and directors of CHRISTIAN FAMILY CREDIT UNION INC?
- The 990 for the year ended December 31, 2025 lists 14 people; 6 received compensation from the organization, the highest $121,937 (KAREN RIEL, PRESIDENT /).
- How much revenue does CHRISTIAN FAMILY CREDIT UNION INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $3,773,364, expenses of $3,617,636 and total assets of $80,857,452 at year end.
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