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Nonprofit · EIN 35-1047478

NATCO CREDIT UNION

Tax-exempt · RICHMOND, IN 47375

Financials

$17.1M$12.4M2023$15.6M$13.8M2024$16.3M$14.3M2025
Revenue Expenses · by fiscal year end
Financials of NATCO CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$16,253,678$14,330,038$1,923,640$152,020,124$128,234,165$23,785,959
December 31, 2024990$15,620,397$13,834,758$1,785,639$150,807,932$130,033,462$20,774,470
December 31, 2023990$17,076,231$12,355,665$4,720,566$147,381,680$128,818,719$18,562,961
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$15,258,160
Investment income
$995,518
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Other salaries and wages
$5,050,012
Salaries, compensation and benefits (total)
$6,362,978
Professional fundraising fees
$0
Occupancy
$204,569
Depreciation
$387,668
Program services (functional)
$14,330,038

Balance sheet and other

Total assets, start of year
$150,807,932
Total assets, end of year
$152,020,124
Total liabilities, end of year
$128,234,165
Net assets, end of year
$23,785,959
Land, buildings and equipment
$3,671,784
Publicly traded securities
$21,868,589
Gross unrelated business income
$52,635
Gross receipts
$16,253,678
Employees
94
Volunteers
0
Year formed
1945
State of legal domicile
IN

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.

NameTitleHours / weekCompensation
CYNTHIA DUKECEO/PRESIDENT
Trustee or director, Officer
40$1,138,081
SHERRY DILLONADMINISTRATIVE DIRECTOR
Officer
40$124,777
MIKE HELMSCHAIRPERSON
Trustee or director, Officer
1$0
LINDA SHERROWDIRECTOR
Trustee or director
1$0
JACK BUCKLANDVICE CHAIRPERSON
Trustee or director, Officer
1$0
DAVID NUTTYDIRECTOR
Trustee or director, Officer
1$0
PAM PEARSONDIRECTOR
Trustee or director
1$0
CARL RINEHARTSECRETARY
Trustee or director
1$0
990 for the year ended December 31, 2024: 8 people
NameTitleHours / weekCompensation
CYNTHIA DUKECEO/PRESIDENT
Trustee or director, Officer
40$300,733
SHERRY DILLONADMINISTRATIVE DIRECTOR
Officer
40$120,019
MIKE HELMSVICE CHAIRPERSON
Trustee or director, Officer
1$0
LINDA SHERROWDIRECTOR
Trustee or director
1$0
JACK BUCKLANDSECRETARY
Trustee or director, Officer
1$0
DAVID NUTTYCHAIRPERSON
Trustee or director, Officer
1$0
PAM PEARSONDIRECTOR
Trustee or director
1$0
CARL RINEHARTDIRECTOR
Trustee or director
1$0
990 for the year ended December 31, 2023: 8 people
NameTitleHours / weekCompensation
CYNTHIA DUKECEO/PRESIDENT
Trustee or director, Officer
40$287,226
SHERRY DILLONADMINISTRATIVE DIRECTOR
Officer
40$103,214
MIKE HELMSVICE CHAIRMAN
Trustee or director, Officer
1$0
LINDA SHERROWDIRECTOR
Trustee or director
1$0
JACK BUCKLANDSECRETARY
Trustee or director, Officer
1$0
DAVID NUTTYCHAIRPERSON
Trustee or director, Officer
1$0
PAM PEARSONDIRECTOR
Trustee or director
1$0
CARL RINEHARTDIRECTOR
Trustee or director
1$0

Address and contacts

Address (IRS master file)
PO BOX 817, RICHMOND, IN 47375-0817
Principal officer (990 for 2025)
LISA HUNTINGTON, 582 SOUTH ROUND BARN ROAD, RICHMOND, IN 47374
Signed the 990
LISA HUNTINGTON, ACCOUNTANT
Phone
(765) 962-2561
Return prepared by
WHITINGER & COMPANY LLC

Mission

COOPERATIVE FINANCIAL INSTITUTION.

990 for the year ended December 31, 2025

Program accomplishments

  • PROVIDING LOAN AND DEPOSIT SERVICES TO CREDIT UNION MEMBERS
    Expenses $14,330,038

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, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
35-1047478
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
2019
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$152,020,124
Income (IRS master file)
$16,253,678

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$16,253,678$14,330,038$152,020,124IRS
990December 2024$15,620,397$13,834,758$150,807,932IRS
990December 2023$17,076,231$12,355,665$147,381,680XML
990December 2022$12,112,969$9,749,351$141,781,366IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2019–––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 35-1047478).

Questions about NATCO CREDIT UNION

What is the EIN of NATCO CREDIT UNION?
The employer identification number (EIN) of NATCO CREDIT UNION is 35-1047478.
Is NATCO CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 2019.
Are donations to NATCO CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does NATCO 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 NATCO 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 NATCO 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 NATCO CREDIT UNION?
The 990 for the year ended December 31, 2025 names LISA HUNTINGTON.
Who are the officers and directors of NATCO CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 8 people; 2 received compensation from the organization, the highest $1,138,081 (CYNTHIA DUKE, CEO/PRESIDENT).
How much revenue does NATCO CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $16,253,678, expenses of $14,330,038 and total assets of $152,020,124 at year end.

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