Nonprofit · EIN 37-0287741
UNITED COMMUNITY CREDIT UNION
Tax-exempt · QUINCY, IL 62301
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $8,118,222 | $6,911,790 | $1,206,432 | $127,435,988 | $107,479,962 | $19,956,026 |
| December 31, 2024 | 990 | $7,307,818 | $6,010,824 | $1,296,994 | $122,678,203 | $103,928,609 | $18,749,594 |
| December 31, 2023 | 990 | $6,311,657 | $5,211,509 | $1,100,148 | $117,595,574 | $100,142,974 | $17,452,600 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $7,213,202
- Investment income
- $905,020
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $372,975
- Other salaries and wages
- $1,478,074
- Salaries, compensation and benefits (total)
- $2,410,541
- Professional fundraising fees
- $0
- Legal fees
- $987
- Accounting fees
- $35,160
- Occupancy
- $405,839
- Depreciation
- $308,177
Balance sheet and other
- Total assets, start of year
- $122,678,203
- Total assets, end of year
- $127,435,988
- Total liabilities, end of year
- $107,479,962
- Net assets, end of year
- $19,956,026
- Land, buildings and equipment
- $6,726,678
- Gross unrelated business income
- $34,631
- Gross receipts
- $8,118,222
- Employees
- 60
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 |
|---|---|---|---|
| SARAH DISTIN | PRESIDENT Trustee or director, Officer | 40 | $160,751 |
| LINDSAY TANGY | VICE PRESIDE Officer | 40 | $108,889 |
| HEATHER PETER | VICE PRESIDE Officer | 40 | $103,335 |
| CRAYTON ACHELPOHL | TREASURER Trustee or director, Officer | 1 | $0 |
| ANDY DOELLMAN | CHAIRMAN Trustee or director, Officer | 1 | $0 |
| BOB GARKIE | DIRECTOR Trustee or director | 1 | $0 |
| RYAN HUMPHREYS | SECRETARY Trustee or director, Officer | 1 | $0 |
| MICHELLE MILLER | DIRECTOR Trustee or director | 1 | $0 |
| TAY SONETHONGKHAM | DIRECTOR Trustee or director | 1 | $0 |
| CAROL TUTER | DIRECTOR Trustee or director | 1 | $0 |
| J SCOTT WEBSTER | VICE CHAIRMA Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| SARAH DISTIN | PRESIDENT Trustee or director, Officer | 40 | $140,732 |
| CRAYTON ACHELPOHL | TREASURER Trustee or director, Officer | 1 | $0 |
| ANDY DOELLMAN | CHAIRMAN Trustee or director, Officer | 1 | $0 |
| BOB GARKIE | DIRECTOR Trustee or director | 1 | $0 |
| RYAN HUMPHREYS | SECRETARY Trustee or director, Officer | 1 | $0 |
| MICHELLE MILLER | DIRECTOR Trustee or director | 1 | $0 |
| CAROL SHAFFER | DIRECTOR Trustee or director | 1 | $0 |
| TAY SONETHONGKHAM | DIRECTOR Trustee or director | 1 | $0 |
| J SCOTT WEBSTER | VICE CHAIRMA Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| SARAH DISTIN | PRESIDENT Trustee or director, Officer | 40 | $127,022 |
| CRAYTON ACHELPOHL | TREASURER Trustee or director, Officer | – | $0 |
| ANDY DOELLMAN | CHAIRMAN Trustee or director, Officer | – | $0 |
| BOB GARKIE | DIRECTOR Trustee or director | – | $0 |
| RYAN HUMPHREYS | SECRETARY Trustee or director, Officer | – | $0 |
| MICHELLE MILLER | DIRECTOR Trustee or director | – | $0 |
| CAROL SHAFFER | DIRECTOR Trustee or director | – | $0 |
| TAY SONETHONGKHAM | DIRECTOR Trustee or director | – | $0 |
| J SCOTT WEBSTER | VICE CHAIRMA Trustee or director | – | $0 |
Address and contacts
- Address (IRS master file)
- 621 N 36TH ST, QUINCY, IL 62301-4605
- Principal officer (990 for 2025)
- SARAH DISTIN, 805 BROOKFIELD RD, QUINCY, IL 62305
- Signed the 990
- SARAH DISTIN, PRESIDENT
- Phone
- (217) 224-1093
- Website
- WWW.MYUCCU.COM
- Return prepared by
- ARNOLD BEHRENS NESBIT GRAY PC
Mission
TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBER/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANACIAL STRENGTH OF THE CREDIT UNION.
Program accomplishments
- AS OF 12/31/25, THERE ARE 10,430 MEMBERS WITH 18,617 SHARE ACCOUNTS, 945 CERTIFICATES OF DEPOSIT, 4,550 CONSUMER LOANS, 519 FIRST MORTGAGE AND HOME EQUITY LOANS, AND 1,536 VISA CREDIT CARD LOANS.
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
- 37-0287741
- 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)
- $127,435,988
- Income (IRS master file)
- $8,118,222
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $8,118,222 | $6,911,790 | $127,435,988 | XML |
| 990 | December 2024 | $7,307,818 | $6,010,824 | $122,678,203 | XML |
| 990 | December 2023 | $6,311,657 | $5,211,509 | $117,595,574 | XML |
| 990 | December 2022 | $5,872,182 | $4,499,252 | $120,308,458 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | 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 37-0287741).
Questions about UNITED COMMUNITY CREDIT UNION
- What is the EIN of UNITED COMMUNITY CREDIT UNION?
- The employer identification number (EIN) of UNITED COMMUNITY CREDIT UNION is 37-0287741.
- Is UNITED COMMUNITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1942.
- Are donations to UNITED COMMUNITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does UNITED COMMUNITY 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 UNITED COMMUNITY 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 UNITED COMMUNITY 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 UNITED COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names SARAH DISTIN.
- Who are the officers and directors of UNITED COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 11 people; 3 received compensation from the organization, the highest $160,751 (SARAH DISTIN, PRESIDENT).
- How much revenue does UNITED COMMUNITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $8,118,222, expenses of $6,911,790 and total assets of $127,435,988 at year end.
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