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Nonprofit · EIN 34-6572293

1087 MILLSTREAM AREA CREDIT UNION INC

Tax-exempt · FINDLAY, OH 45840

Financials

$4.6M$3.9M2023$5.2M$4.3M2024
Revenue Expenses · by fiscal year end
Financials of 1087 MILLSTREAM AREA CREDIT UNION INC by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2024990$5,205,452$4,257,664$947,788$62,520,100$54,923,153$7,596,947
December 31, 2023990$4,593,850$3,942,562$651,288$59,332,260$52,987,774$6,344,486
Financial details: 990 for the year ended December 31, 2024

Revenue

Contributions, gifts and grants
$0
Program service revenue
$4,269,919
Investment income
$935,533
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$332,218
Other salaries and wages
$799,186
Salaries, compensation and benefits (total)
$1,434,201
Professional fundraising fees
$0
Legal fees
$2,000
Accounting fees
$42,000
Occupancy
$63,592
Depreciation
$225,714

Balance sheet and other

Total assets, start of year
$59,332,260
Total assets, end of year
$62,520,100
Total liabilities, end of year
$54,923,153
Net assets, end of year
$7,596,947
Land, buildings and equipment
$2,717,411
Publicly traded securities
$14,107,479
Gross unrelated business income
$88,525
Gross receipts
$5,205,452
Employees
30
Volunteers
0
Year formed
1966
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, 2024, highest compensation first.

NameTitleHours / weekCompensation
JOSHUA REAMSPRESIDENT/CEO
Officer
50$149,226
KATIE GREENECHIEF OPERATIONS OFFICER
Officer
45$91,799
ERIC WARRENCHIEF FINANCIAL OFFICER
Officer
45$91,193
BRODY YINGLINGDIRECTOR
Trustee or director
1$0
TAMMY MONTGOMERYDIRECTOR
Trustee or director
1$0
CHRISTOPHER HALSTEADDIRECTOR
Trustee or director
1$0
NICOLE WAGNERDIRECTOR
Trustee or director
1$0
PAT SWISHERDIRECTOR
Trustee or director
1$0
SHAUN MASONDIRECTOR
Trustee or director
1$0
RICHARD KOZLOWSKIDIRECTOR
Trustee or director, Officer
1$0
990 for the year ended December 31, 2023: 10 people
NameTitleHours / weekCompensation
JOSHUA REAMSPRESIDENT/CEO
Officer
50$143,172
KATIE GREENECHIEF OPERATIONS OFFICER
Officer
45$87,903
ERIC WARRENCHIEF FINANCIAL OFFICER
Officer
45$84,368
BRODY YINGLINGDIRECTOR
Trustee or director
1$0
CASSIE MILLERDIRECTOR
Trustee or director
1$0
CHRISTOPHER HALSTEADDIRECTOR
Trustee or director
1$0
NICOLE WAGNERDIRECTOR
Trustee or director
1$0
PAT SWISHERDIRECTOR
Trustee or director
1$0
RICHARD BUDDEDIRECTOR
Trustee or director
1$0
RICHARD KOZLOWSKIDIRECTOR
Trustee or director, Officer
1$0

Address and contacts

Address (IRS master file)
1007 WESTERN AVE, FINDLAY, OH 45840-2347
Principal officer (990 for 2024)
JOSHUA REAMS, 1007 WESTERN AVENUE, FINDLAY, OH 45840
Signed the 990
JOSHUA REAMS, PRESIDENT/CEO
Phone
(419) 422-5626
Return prepared by
GBQ PARTNERS LLC

Mission

THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS.

990 for the year ended December 31, 2024

Program accomplishments

  • PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS.

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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026Not on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
34-6572293
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
Assets (IRS master file)
$62,520,100
Income (IRS master file)
$5,205,452

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2024$5,205,452$4,257,664$62,520,100IRS
990December 2023$4,593,850$3,942,562$59,332,260XML
990December 2022$3,889,047$3,335,320$59,777,418IRS
990December 2021–––IRS
990December 2020–––IRS
990December 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 34-6572293).

Questions about 1087 MILLSTREAM AREA CREDIT UNION INC

What is the EIN of 1087 MILLSTREAM AREA CREDIT UNION INC?
The employer identification number (EIN) of 1087 MILLSTREAM AREA CREDIT UNION INC is 34-6572293.
Is 1087 MILLSTREAM AREA CREDIT UNION INC tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1969.
Are donations to 1087 MILLSTREAM AREA CREDIT UNION INC tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does 1087 MILLSTREAM AREA 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 1087 MILLSTREAM AREA CREDIT UNION INC due?
The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
When did 1087 MILLSTREAM AREA CREDIT UNION INC last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2024.
Who is the principal officer of 1087 MILLSTREAM AREA CREDIT UNION INC?
The 990 for the year ended December 31, 2024 names JOSHUA REAMS.
Who are the officers and directors of 1087 MILLSTREAM AREA CREDIT UNION INC?
The 990 for the year ended December 31, 2024 lists 10 people; 3 received compensation from the organization, the highest $149,226 (JOSHUA REAMS, PRESIDENT/CEO).
How much revenue does 1087 MILLSTREAM AREA CREDIT UNION INC have?
On its 990 for the year ended December 31, 2024 it reported revenue of $5,205,452, expenses of $4,257,664 and total assets of $62,520,100 at year end.

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