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Nonprofit · EIN 91-0684272

CREDIT UNIONS IN THE STATE OF WASHINGTON

Also known as NORTHWEST PLUS CREDIT UNION

Tax-exempt · EVERETT, WA 98201

Financials

$12.7M$10.5M2023$14M$12.1M2024
Revenue Expenses · by fiscal year end
Financials of CREDIT UNIONS IN THE STATE OF WASHINGTON by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2024990$13,985,321$12,138,180$1,847,141$301,456,253$268,221,367$33,234,886
December 31, 2023990$12,714,227$10,523,455$2,190,772$298,821,651$268,696,287$30,125,364
Financial details: 990 for the year ended December 31, 2024

Revenue

Contributions, gifts and grants
$0
Program service revenue
$10,963,733
Investment income
$2,890,491
Net gain from sales of assets
-$608
Other revenue
$131,097

Expenses

Grants and similar amounts paid
$15,000
Compensation of officers, directors and key employees
$695,937
Other salaries and wages
$3,073,822
Salaries, compensation and benefits (total)
$4,555,936
Professional fundraising fees
$0
Legal fees
$275
Accounting fees
$106,902
Occupancy
$553,995
Travel
$10,394
Depreciation
$348,739

Balance sheet and other

Total assets, start of year
$298,821,651
Total assets, end of year
$301,456,253
Total liabilities, end of year
$268,221,367
Net assets, end of year
$33,234,886
Land, buildings and equipment
$5,778,462
Gross unrelated business income
$72,547
Gross receipts
$13,985,929
Employees
68
Volunteers
11
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, 2024, highest compensation first.

NameTitleHours / weekCompensationOther / benefits
TORRIE RAMOSCEO/PRESIDENT
Officer
40$387,924$0
BRIAN WALKERCFO
Officer
40$162,635$12,611
DEBRA DRISCOLLCLO
Officer
40$145,378$2,386
DAN MINTONAVP IT & SECURITY
Highest-paid employee
40$114,942$2,452
LYDIA GUELFORMER MORTGAGE LOAN OFFICER
Highest-paid employee
40$110,805$1,638
PAUL ERICKSONVICE CHAIRMAN
Trustee or director, Officer
2$0$0
GARY HEILMANCHAIR
Trustee or director, Officer
3$0$0
JOHN CONDERMANDIRECTOR
Trustee or director
2$0$0
KIMBERLY STONEDIRECTOR
Trustee or director
2$0$0
HARLAN MAYERSECRETARY
Trustee or director, Officer
2$0$0
ANGIE BOSSARTEDIRECTOR
Trustee or director
2$0$0
ROD SNIFFENDIRECTOR
Trustee or director
2$0$0
990 for the year ended December 31, 2023: 10 people
NameTitleHours / weekCompensationOther / benefits
TORRIE RAMOSCEO/PRESIDENT
Officer
40$381,869$0
BRIAN WALKERCFO
Officer
40$167,402$10,606
DEBRA DRISCOLLCLO
Officer
40$148,211$1,819
BRAD JONESVICE CHAIRMAN
Trustee or director, Officer
2$0$0
GARY HEILMANCHAIR
Trustee or director, Officer
3$0$0
JOHN CONDERMANDIRECTOR
Trustee or director
2$0$0
KIMBERLY STONEDIRECTOR
Trustee or director
2$0$0
PAUL ERICKSONSECRETARY
Trustee or director
2$0$0
HARLAN MAYERDIRECTOR
Trustee or director
2$0$0
LINDA ALVARDIRECTOR
Trustee or director
1$0$0

Address and contacts

Address (IRS master file)
2821 HEWITT AVE, EVERETT, WA 98201-3890
Principal officer (990 for 2024)
TORRIE RAMOS, 2821 HEWITT AVENUE, EVERETT, WA 982013890
Signed the 990
TORRIE RAMOS, PRESIDENT/CEO
Phone
(425) 297-1000
Return prepared by
OPSAHL DAWSON

Mission

WE BRING HUMANITY TO FINANCIAL SERVICES.

990 for the year ended December 31, 2024

Program accomplishments

  • SINCE 1939, NW PLUS CREDIT UNION HAS PROVIDED FINANCIAL SERVICES TO THEEMPLOYEES AND FAMILY MEMBERS OF FRONTIER COMMUNICATIONS FORMERLY KNOWNAS GTE AND VERIZON. SINCE THEN, WE HAVE EXPANDED OUR CHARTER TO INCLUDEANYONE WHO LIVES, WORKS OR WORSHIPS IN THE STATE OF WASHINGTON. NW PLUSCREDIT UNION'S EXISTENCE REFLECTS ITS MEMBERS' COMBINED INTERESTS TOBENEFIT THE GENERAL MEMBERSHIP IN THE LOCAL COMMUNITIES WE SERVE. WEPROVIDE A FULL SPECTRUM OF FINANCIAL PRODUCTS AND SERVICES AND RETURNTHE PROFIT TO OUR MEMBERS, WITH LOWER LOAN RATES AND HIGHER SAVINGSRATES, LOW FEES, AND INNOVATIVE PRODUCTS. THIS DIRECT FINANCIAL VALUEIS GIVEN BACK TO OUR MEMBERS, INSTEAD OF BEING PAID TO A LIMITED NUMBEROF STOCKHOLDERS, OFFICERS, OR OUT-OF-STATE OWNERS, AS MANY BANKS DO. ASOF DECEMBER 31, 2024, NW PLUS CREDIT UNION HAD 15,612 MEMBERS.

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, 2026Not on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
91-0684272
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
Assets (IRS master file)
$301,456,253
Income (IRS master file)
$13,985,929

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2024$13,985,321$12,138,180$301,456,253XML
990December 2023$12,714,227$10,523,455$298,821,651XML
990December 2022$11,218,832$8,418,602$302,129,709IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS
990December 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 91-0684272).

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 91-0684272.
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 2025 (the year ending December 31, 2025) is due May 15, 2026. 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 2024.
Who is the principal officer of CREDIT UNIONS IN THE STATE OF WASHINGTON?
The 990 for the year ended December 31, 2024 names TORRIE RAMOS.
Who are the officers and directors of CREDIT UNIONS IN THE STATE OF WASHINGTON?
The 990 for the year ended December 31, 2024 lists 12 people; 5 received compensation from the organization, the highest $387,924 (TORRIE RAMOS, CEO/PRESIDENT).
How much revenue does CREDIT UNIONS IN THE STATE OF WASHINGTON have?
On its 990 for the year ended December 31, 2024 it reported revenue of $13,985,321, expenses of $12,138,180 and total assets of $301,456,253 at year end.

Other nonprofits in EVERETT

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