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Nonprofit · EIN 86-0229299

UTAH HERITAGE CREDIT UNION

Tax-exempt · MORONI, UT 84646

Financials

$7.6M$5.4M2023$9.2M$7M2024$10.4M$7.6M2025
Revenue Expenses · by fiscal year end
Financials of UTAH HERITAGE CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$10,352,449$7,617,943$2,734,506$159,744,705$140,503,456$19,241,249
December 31, 2024990$9,229,634$6,956,740$2,272,894$146,741,659$130,234,916$16,506,743
December 31, 2023990$7,617,754$5,415,943$2,201,811$134,932,464$120,698,615$14,233,849
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$0
Investment income
$1,403,863
Other revenue
$8,948,586

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$594,189
Other salaries and wages
$733,360
Salaries, compensation and benefits (total)
$2,171,612
Professional fundraising fees
$0
Legal fees
$10,304
Accounting fees
$49,182
Occupancy
$203,397
Travel
$13,565
Depreciation
$211,410
Program services (functional)
$7,398
Management and general (functional)
$7,610,545

Balance sheet and other

Total assets, start of year
$146,741,659
Total assets, end of year
$159,744,705
Total liabilities, end of year
$140,503,456
Net assets, end of year
$19,241,249
Land, buildings and equipment
$5,122,324
Gross receipts
$10,352,449
Employees
27
Volunteers
9
Year formed
1969
State of legal domicile
UT

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
GREG STERNERCLO
Officer, Key employee, Highest-paid employee
40$205,697
EMILY FAUXCOO
Officer, Key employee
40$197,498
TAMI OLSENCEO
Officer, Key employee
40$190,994
SUSAN LARSENBOARD MEMBER
Trustee or director
0$0
JEFF ANDERSONBOARD MEMBER
Trustee or director
0$0
CLAUDE PICKETTSECRETARY
Trustee or director
0$0
BRANCH COXBOARD MEMBER CHAIRMAN
Trustee or director
0$0
CASEY ANDERSONBOARD VICE CHAIRMAN
Trustee or director
0$0
CAROL BLAINSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
CAROL JACOBSENSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
BLAKE DONALDSONSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
JEREMY MADSENSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
990 for the year ended December 31, 2024: 12 people
NameTitleHours / weekCompensation
EMILY FAUXCOO
Officer, Key employee, Highest-paid employee
40$175,878
GREG STERNERCLO
Officer, Key employee
40$173,298
TAMI OLSENCEO
Officer, Key employee
40$170,078
SUSAN LARSENBOARD MEMBER
Trustee or director
0$0
JEFF ANDERSONBOARD MEMBER
Trustee or director
0$0
CLAUDE PICKETTSECRETARY
Trustee or director
0$0
BRANCH COXBOARD CHAIRMAN
Trustee or director
0$0
CASEY ANDERSONVICE CHAIRMAN
Trustee or director
0$0
CAROL BLAINSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
CAROL JACOBSENSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
BLAKE DONALDSONSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
JEREMY MADSENSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
990 for the year ended December 31, 2023: 12 people
NameTitleHours / weekCompensation
EMILY FAUXCOO
Officer, Key employee, Highest-paid employee
40$162,802
TAMI OLSENCEO
Officer, Key employee
40$157,591
GREG STERNERCLO
Officer, Key employee
40$115,695
SUSAN LARSENBOARD MEMBER
Trustee or director
0$0
JEFF ANDERSONBOARD MEMBER
Trustee or director
0$0
CLAUDE PICKETTBOARD CHAIRMAN
Trustee or director
0$0
BRANCH COXBOARD VICE CHAIRMAN
Trustee or director
0$0
CASEY ANDERSONBOARD SECRETARY
Trustee or director
0$0
CAROL BLAINSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
CAROL JACOBSENSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
BLAKE DONALDSONSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0
JEREMY MADSENSUPERVISORY COMMITTEE MEMBER
Trustee or director
0$0

Address and contacts

Address (IRS master file)
PO BOX 50, MORONI, UT 84646-0050
Principal officer (990 for 2025)
TAMI OLSEN, 84 WEST MAIN, PO BOX 50, MORONI, UT 84646
Signed the 990
Tami Olsen, CEO - President
Phone
(435) 436-8288

Mission

To assist members financial growth and stability by building strong relationships one member at a time.

990 for the year ended December 31, 2025

Program accomplishments

  • Donations to City/County Pageants and Celebrations, Parades and summer activities
    Expenses $2,450
  • Humanitarian donations in the area including Hospitals & Patients/Humanitarian Center/Justice Center/Food Pantry, Flood Victim Donations in 2024
    Expenses $1,646
  • Funds for local grade and secondary schools along with local college. Scholarships. Donated funds to Civic activities including Veteran Memorial/Search and Rescue/Adult Services in county/local youth activities.
    Expenses $3,302

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
86-0229299
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1956
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$159,744,705
Income (IRS master file)
$10,352,449

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$10,352,449$7,617,943$159,744,705IRS
990December 2024$9,229,634$6,956,740$146,741,659IRS
990December 2023$7,617,754$5,415,943$134,932,464XML
990December 2022$5,511,472$4,033,210$119,199,820IRS
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 86-0229299).

Questions about UTAH HERITAGE CREDIT UNION

What is the EIN of UTAH HERITAGE CREDIT UNION?
The employer identification number (EIN) of UTAH HERITAGE CREDIT UNION is 86-0229299.
Is UTAH HERITAGE CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1956.
Are donations to UTAH HERITAGE CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does UTAH HERITAGE 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 UTAH HERITAGE 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 UTAH HERITAGE 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 UTAH HERITAGE CREDIT UNION?
The 990 for the year ended December 31, 2025 names TAMI OLSEN.
Who are the officers and directors of UTAH HERITAGE CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 12 people; 3 received compensation from the organization, the highest $205,697 (GREG STERNER, CLO).
How much revenue does UTAH HERITAGE CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $10,352,449, expenses of $7,617,943 and total assets of $159,744,705 at year end.

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