Nonprofit · EIN 56-6050017
EMERGENCY RESPONDERS CREDIT UNION
Tax-exempt · WINSTON SALEM, NC 27103
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $2,014,033 | $2,140,727 | -$126,694 | $29,027,440 | $26,086,270 | $2,941,170 |
| December 31, 2024 | 990 | $1,907,346 | $1,905,919 | $1,427 | $29,722,339 | $26,489,775 | $3,232,564 |
| December 31, 2023 | 990 | $1,646,933 | $1,464,761 | $182,172 | $30,038,368 | $26,728,760 | $3,309,608 |
| December 31, 2022 | 990 | $1,516,228 | $1,218,180 | $298,048 | $30,711,546 | $27,476,004 | $3,235,542 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,593,047
- Investment income
- $158,485
- Other revenue
- $262,501
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $350,162
- Compensation of officers, directors and key employees
- $178,248
- Other salaries and wages
- $303,553
- Salaries, compensation and benefits (total)
- $627,188
- Professional fundraising fees
- $0
- Accounting fees
- $17,076
- Occupancy
- $54,368
- Travel
- $28,221
- Depreciation
- $18,201
Balance sheet and other
- Total assets, start of year
- $29,722,339
- Total assets, end of year
- $29,027,440
- Total liabilities, end of year
- $26,086,270
- Net assets, end of year
- $2,941,170
- Land, buildings and equipment
- $343,467
- Gross receipts
- $2,014,033
- Employees
- 14
- Year formed
- 1940
- State of legal domicile
- NC
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 |
|---|---|---|---|
| J SCOTT GAULDIN | PRESIDENT Trustee or director | – | $0 |
| JERRY AMOS | BOARD MEMBER Trustee or director | – | $0 |
| CHRIS BELCHER | VICE PRESIDE Trustee or director | – | $0 |
| BRIAN DIGGS | BOARD MEMBER Trustee or director | – | $0 |
| CHAD LANKFORD | BOARD MEMBER Trustee or director | – | $0 |
| BRANDON WATSON | BOARD MEMBER Trustee or director | – | $0 |
| DAVID SOJKA | SECRETARY Trustee or director | – | $0 |
| MARK HOLT | BOARD MEMBER Trustee or director | – | $0 |
| STEVE FULP | BOARD MEMBER Trustee or director | – | $0 |
990 for the year ended December 31, 2024: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JANITA RICKETT | FORMER CEO Key employee | 40 | $324,194 | $14,400 |
| J SCOTT GAULDIN | PRESIDENT Trustee or director | – | $0 | $0 |
| JERRY AMOS | BOARD MEMBER Trustee or director | – | $0 | $0 |
| KELLY EMERSON | BOARD MEMBER Trustee or director | – | $0 | $0 |
| CHRIS BELCHER | VICE PRESIDE Trustee or director | – | $0 | $0 |
| BRIAN DIGGS | BOARD MEMBER Trustee or director | – | $0 | $0 |
| DALE HESTER | BOARD MEMBER Trustee or director | – | $0 | $0 |
| CHAD LANKFORD | BOARD MEMBER Trustee or director | – | $0 | $0 |
| BRANDON WATSON | BOARD MEMBER Trustee or director | – | $0 | $0 |
| DAVID SOJKA | SECRETARY Trustee or director | – | $0 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JANITA RICKETT | CEO Key employee | 40 | $172,503 | $14,600 |
| J SCOTT GAULDIN | PRESIDENT Trustee or director | 1 | $0 | $0 |
| JERRY AMOS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| KELLY EMERSON | SECRETARY TR Trustee or director | 1 | $0 | $0 |
| CHRIS BELCHER | VICE PRESIDE Trustee or director | 1 | $0 | $0 |
| BRIAN DIGGS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DALE HESTER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CHAD LANKFORD | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| BRANDON WATSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SAM EMERSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2022: 10 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JANITA RICKETT | CEO Key employee | 50 | $155,323 |
| J SCOTT GAULDIN | PRESIDENT Trustee or director | – | $0 |
| JERRY AMOS | BOARD MEMBER Trustee or director | – | $0 |
| KELLY EMERSON | SECRETARY TR Trustee or director | – | $0 |
| CHRIS BELCHER | BOARD MEMBER Trustee or director | – | $0 |
| BRIAN DIGGS | BOARD MEMBER Trustee or director | – | $0 |
| DALE HESTER | VICE PRESIDE Trustee or director | – | $0 |
| CHAD LANKFORD | BOARD MEMBER Trustee or director | – | $0 |
| BRANDON WATSON | BOARD MEMBER Trustee or director | – | $0 |
| SAM EMERSON | BOARD MEMBER Trustee or director | – | $0 |
Address and contacts
- Address (IRS master file)
- 1777 LINK RD, WINSTON SALEM, NC 27103-4625
- In care of
- % KALYN STOWERS
- Principal officer (990 for 2025)
- KALYN S STOWERS, 1777 LINK ROAD, WINSTONSALEM, NC 27103
- Signed the 990
- KALYN S STOWERS, CEO
- Phone
- (336) 723-0619
- Website
- WWW.EMRSPCU.COM
- Return prepared by
- CANTEY TILLER PIERCE & GREEN LLP
Mission
PROGRAM SERVICES INCURRED IN PROVIDING LOANS AND SAVINGS ACCOUNTS FOR MEMBERS.
Program accomplishments
- SALARIES AND WAGES TO STAFF
- OFFICE EXPENSES
- BENEFITS PAID TO MEMBERS
- OTHER EXPENSES
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
- 56-6050017
- 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
- 2032: STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA
- Assets (IRS master file)
- $29,027,440
- Income (IRS master file)
- $2,014,033
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $2,014,033 | $2,140,727 | $29,027,440 | XML |
| 990 | December 2024 | $1,907,346 | $1,905,919 | $29,722,339 | IRS |
| 990 | December 2023 | $1,646,933 | $1,464,761 | $30,038,368 | XML |
| 990 | December 2022 | $1,516,228 | $1,218,180 | $30,711,546 | XML |
| 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 56-6050017).
Questions about EMERGENCY RESPONDERS CREDIT UNION
- What is the EIN of EMERGENCY RESPONDERS CREDIT UNION?
- The employer identification number (EIN) of EMERGENCY RESPONDERS CREDIT UNION is 56-6050017.
- Is EMERGENCY RESPONDERS CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1969.
- Are donations to EMERGENCY RESPONDERS CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does EMERGENCY RESPONDERS 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 EMERGENCY RESPONDERS 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 EMERGENCY RESPONDERS 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 EMERGENCY RESPONDERS CREDIT UNION?
- The 990 for the year ended December 31, 2025 names KALYN S STOWERS.
- Who are the officers and directors of EMERGENCY RESPONDERS CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 9 people; 0 received compensation from the organization.
- How much revenue does EMERGENCY RESPONDERS CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $2,014,033, expenses of $2,140,727 and total assets of $29,027,440 at year end.
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