Nonprofit · EIN 91-0417045
CREDIT UNIONS IN THE STATE OF WASHINGTON
Also known as MILL TOWN CREDIT UNION
Tax-exempt · EVERETT, WA 98201
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $4,033,298 | $4,081,596 | -$48,298 | $62,102,121 | $263,880 | $61,838,241 |
| December 31, 2024 | 990 | $3,933,672 | $3,322,852 | $610,820 | $62,139,723 | $213,175 | $61,926,548 |
| December 31, 2023 | 990 | $3,896,046 | $3,363,365 | $532,681 | $64,008,191 | $349,405 | $63,658,786 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $3,498,023
- Investment income
- $535,275
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $149,600
- Other salaries and wages
- $550,554
- Salaries, compensation and benefits (total)
- $1,038,849
- Professional fundraising fees
- $0
- Accounting fees
- $11,538
- Occupancy
- $90,731
- Travel
- $6,169
- Depreciation
- $162,576
Balance sheet and other
- Total assets, start of year
- $62,139,723
- Total assets, end of year
- $62,102,121
- Total liabilities, end of year
- $263,880
- Net assets, end of year
- $61,838,241
- Land, buildings and equipment
- $931,371
- Gross receipts
- $4,033,298
- Employees
- 15
- Volunteers
- 12
- Year formed
- 1939
- State of legal domicile
- WA
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 | Other / benefits |
|---|---|---|---|---|
| Cindy Kyle | CEO Highest-paid employee | 40 | $140,192 | $9,408 |
| Kit Andreason | Board Chairman Trustee or director | 2 | $0 | $0 |
| Heather Wallace | Secretary Trustee or director | 1 | $0 | $0 |
| Mike Harness | Vice Chair Trustee or director | 2 | $0 | $0 |
| Tom Norcott | Director Trustee or director | 1 | $0 | $0 |
| Roxanne Olason | Director Trustee or director | 1 | $0 | $0 |
| Neil Maddy | Director Trustee or director | 1 | $0 | $0 |
| Shelli Kuehn-Gilbert | Director Trustee or director | 1 | $0 | $0 |
| Joe Ward | Director Trustee or director | 1 | $0 | $0 |
| Al Dams | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Cindy Kyle | CEO Highest-paid employee | 40 | $130,417 | $9,408 |
| Kit Andreason | Board Chairman Trustee or director | 2 | $0 | $0 |
| Heather Wallace | Secretary Trustee or director | 1 | $0 | $0 |
| Mike Harness | Vice Chair Trustee or director | 2 | $0 | $0 |
| Tom Norcott | Director Trustee or director | 1 | $0 | $0 |
| Roxanne Olason | Director Trustee or director | 1 | $0 | $0 |
| Neil Maddy | Director Trustee or director | 1 | $0 | $0 |
| Shelli Kuehn-Gilbert | Director Trustee or director | 1 | $0 | $0 |
| Joe Ward | Director Trustee or director | 1 | $0 | $0 |
| Al Dams | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Cindy Kyle | CEO Highest-paid employee | 40 | $114,877 | $8,224 |
| Kit Andreason | Board Chairman Trustee or director | 2 | $0 | $0 |
| Heather Wallace | Secretary Trustee or director | 1 | $0 | $0 |
| Mike Harness | Vice Chair Trustee or director | 2 | $0 | $0 |
| Tom Norcott | Director Trustee or director | 1 | $0 | $0 |
| Roxanne Olason | Director Trustee or director | 1 | $0 | $0 |
| Neil Maddy | Director Trustee or director | 1 | $0 | $0 |
| Shelli Kuehn-Gilbert | Director Trustee or director | 1 | $0 | $0 |
| Joe Ward | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 3102 BROADWAY, EVERETT, WA 98201-4421
- In care of
- % LAURA LEUZE
- Principal officer (990 for 2025)
- Cindy Kyle, 3102 Broadway, Everett, WA 98201
- Signed the 990
- Cindy Kyle, CEO
- Phone
- (425) 252-5139
- Website
- www.milltowncu.org
Mission
Provide financial services to 3563 members. Those services include but are not limited to loans and savings programs. The services are provided by 12 volunteers, non-paid workers, and thirteen full or part-time workers.
Program accomplishments
- 1297 loans at better than market interest rates for members of the Credit Union. We offer mortgage, auto, home improvement and personal loans.
- High yield savings accounts and CD's for members that deposit their funds so that their fellow credit union members can borrow at lower rates. We handle 4216 savings accounts for these members.
- Automated services are offered for our entire membership, so that convenience, item and cost savings are given to members. The technology that is available to our members include debit and credit cards, e-statements, bill pay, on-line account access, account transactions at other credit unions in the United States and automatic payment options. Some of these services allow members 24/7 access to their accounts.
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
- 91-0417045
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1954
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1269: CREDIT UNIONS IN THE STATE OF WASHINGTON
- Assets (IRS master file)
- $62,102,121
- Income (IRS master file)
- $4,033,298
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $4,033,298 | $4,081,596 | $62,102,121 | IRS |
| 990 | December 2024 | $3,933,672 | $3,322,852 | $62,139,723 | XML |
| 990 | December 2023 | $3,896,046 | $3,363,365 | $64,008,191 | XML |
| 990 | December 2022 | $2,585,096 | $2,017,046 | $63,140,828 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | 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 91-0417045).
Questions about CREDIT UNIONS IN THE STATE OF WASHINGTON
- What is the EIN of CREDIT UNIONS IN THE STATE OF WASHINGTON?
- The employer identification number (EIN) of CREDIT UNIONS IN THE STATE OF WASHINGTON is 91-0417045.
- Is CREDIT UNIONS IN THE STATE OF WASHINGTON tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1954.
- Are donations to CREDIT UNIONS IN THE STATE OF WASHINGTON tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CREDIT UNIONS IN THE STATE OF WASHINGTON 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 CREDIT UNIONS IN THE STATE OF WASHINGTON 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 CREDIT UNIONS IN THE STATE OF WASHINGTON 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 CREDIT UNIONS IN THE STATE OF WASHINGTON?
- The 990 for the year ended December 31, 2025 names Cindy Kyle.
- Who are the officers and directors of CREDIT UNIONS IN THE STATE OF WASHINGTON?
- The 990 for the year ended December 31, 2025 lists 10 people; 1 received compensation from the organization, the highest $140,192 (Cindy Kyle, CEO).
- How much revenue does CREDIT UNIONS IN THE STATE OF WASHINGTON have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $4,033,298, expenses of $4,081,596 and total assets of $62,102,121 at year end.
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