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Nonprofit · EIN 36-6110489

ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION

Also known as 0841

Tax-exempt · ROCKFORD, IL 61103

Financials

$944K$701K2023$1M$817K2024$1.1M$690K2025
Revenue Expenses · by fiscal year end
Financials of ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$1,118,261$690,039$428,222$23,471,270$19,810,261$3,661,009
December 31, 2024990$1,013,090$817,317$195,773$22,471,012$19,238,225$3,232,787
December 31, 2023990$944,416$700,649$243,767$24,296,840$21,260,035$3,036,805
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$751,934
Investment income
$350,227
Other revenue
$16,100

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$81,187
Other salaries and wages
$143,498
Salaries, compensation and benefits (total)
$293,712
Professional fundraising fees
$0
Legal fees
$549
Accounting fees
$13,940
Occupancy
$31,408
Depreciation
$22,752
Program services (functional)
$690,039

Balance sheet and other

Total assets, start of year
$22,471,012
Total assets, end of year
$23,471,270
Total liabilities, end of year
$19,810,261
Net assets, end of year
$3,661,009
Land, buildings and equipment
$413,313
Gross receipts
$1,118,261
Employees
9
Volunteers
9
Year formed
1942
State of legal domicile
IL

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 / weekCompensationOther / benefits
JODY MERNACKPRESIDENT
Key employee
40$81,188$2,203
MARY OGDENSUPERVISORY MEMBER
Trustee or director
1$0$0
DAVID SAIDSUPERVISORY MEMBER
Trustee or director
1$0$0
JEFF SCHRODERMEMBERSHIP COMMITTEE CHAIRMAN
Trustee or director
1$0$0
SHIRLEY FOLTZCREDIT COMMITTEE MEMBER
Trustee or director
1$0$0
KRISTIE BELLONESECRETARY
Institutional trustee
1$0$0
CHARLES DOYLEVICE CHAIRMAN
Institutional trustee
1$0$0
STEVE CHAPMANTREASURER
Institutional trustee
1$0$0
WALLIS PARSONCHAIRMAN
Institutional trustee
1$0$0
DUSTIN OBERBROECKLINGSUPERVISORY CHAIRMAN
Institutional trustee
1$0$0
990 for the year ended December 31, 2024: 11 people
NameTitleHours / weekCompensationOther / benefits
JODY MERNACKPRESIDENT
Key employee
40$89,165$13,527
MARY OGDENSUPERVISORY MEMBER
Trustee or director
1$0$0
DAVID SAIDSUPERVISORY MEMBER
Trustee or director
1$0$0
KATRINA COSSEYALTERNATE BOARD MEMBER
Trustee or director
1$0$0
JEFF SCHRODERMEMBERSHIP COMMITTEE CHAIRMAN
Trustee or director
1$0$0
SHIRLEY FOLTZCREDIT COMMITTEE MEMBER
Trustee or director
1$0$0
KRISTIE BELLONESECRETARY
Institutional trustee
1$0$0
CHARLES DOYLEVICE CHAIRMAN
Institutional trustee
1$0$0
STEVE CHAPMANTREASURER
Institutional trustee
1$0$0
WALLIS PARSONCHAIRMAN
Institutional trustee
1$0$0
DUSTIN OBERBROECKLINGSUPERVISORY CHAIRMAN
Institutional trustee
1$0$0
990 for the year ended December 31, 2023: 12 people
NameTitleHours / weekCompensationOther / benefits
JODY MERNACKPRESIDENT
Key employee
40$70,999$12,281
MARY OGDENSUPERVISORY MEMBER
Trustee or director
1$0$0
DAVID SAIDSUPERVISORY MEMBER
Trustee or director
1$0$0
KATRINA COSSEYMEMBERSHIP COMMITTEE CHAIRMAN
Trustee or director
1$0$0
JEFF SCHRODERBOARD MEMBER
Trustee or director
1$0$0
SHIRLEY FOLTZCREDIT COMMITTEE MEMBER
Trustee or director
1$0$0
KRISTIE BELLONEBOARD MEMBER
Trustee or director
1$0$0
CHARLES DOYLEVICE CHAIRMAN
Officer
1$0$0
STEVE CHAPMANTREASURER
Officer
1$0$0
WALLIS PARSONCHAIRMAN
Officer
1$0$0
BRENDA FOOTESECRETARY
Officer
1$0$0
DUSTIN OBERBROECKLINGSUPERVISORY CHAIRMAN
Officer
1$0$0

Address and contacts

Address (IRS master file)
634 N CHURCH ST, ROCKFORD, IL 61103-6915
In care of
% SARA SHEAHAN
Principal officer (990 for 2025)
JODY MERNACK, 634 NORTH CHURCH STREET, ROCKFORD, IL 61103
Signed the 990
Jody Mernack, President/CEO
Phone
(815) 316-4655
Website
RMECU.NET

Mission

OUR PURPOSE IS TO PROVIDE FINANCIAL SERVICES TO OUR MEMBERS WITH COMPETITIVE RATES WHILE MAINTAINING OUR FINANCIAL STABILITY.

990 for the year ended December 31, 2025

Program accomplishments

  • RECEIVED DEPOSITS ON SAVINGS FROM 2102 MEMBERS
  • PROVIDED CONSUMER LOANS TO 839 MEMBERS
  • PROVIDED HOME HOME EQUITY LINE OF CREDIT TO 39 MEMBERS
  • PROGRAM SERVICE EXPENSE
    Expenses $690,039

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
36-6110489
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1942
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$23,471,270
Income (IRS master file)
$1,118,261

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$1,118,261$690,039$23,471,270IRS
990December 2024$1,013,090$817,317$22,471,012XML
990December 2023$944,416$700,649$24,296,840XML
990December 2022$710,180$627,826$25,499,085IRS
990December 2021$667,786$594,696$25,842,710IRS
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 36-6110489).

Questions about ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION

What is the EIN of ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION?
The employer identification number (EIN) of ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION is 36-6110489.
Is ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1942.
Are donations to ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does ROCKFORD MUNICIPAL EMPLOYEES 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 ROCKFORD MUNICIPAL EMPLOYEES 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 ROCKFORD MUNICIPAL EMPLOYEES 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 ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION?
The 990 for the year ended December 31, 2025 names JODY MERNACK.
Who are the officers and directors of ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 10 people; 1 received compensation from the organization, the highest $81,188 (JODY MERNACK, PRESIDENT).
How much revenue does ROCKFORD MUNICIPAL EMPLOYEES CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $1,118,261, expenses of $690,039 and total assets of $23,471,270 at year end.

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