2026-08-11T08:05:00-05:00 2025-12-31 611064249 DEMING MALONE LIVESAY & OSTROFF PSC 9300 SHELBYVILLE ROAD SUITE 1100 LOUISVILLE KY 402225187 990 2025-01-01 616034178 SERVICE ONE CREDIT UNION INC SERV 8007598500 PO BOX 51770 BOWLING GREEN KY 421026770 JUSTIN MORRIS PRESIDENT 8007598500 2026-08-07 1 MELINDA L HECK P01392306 5024269660 2026-08-06 2025 2025-03-06 01:10:19Z JUSTIN MORRIS PO BOX 185 BOWLING GREEN KY 42102 19276327 0 X WWW.SOCU.COM X 1963 KY THE MISSION OF SERVICE ONE CREDIT UNION IS TO UNDERSTAND AND MEET OUR MEMBERS AND COMMUNITY'S NEEDS TO HELP THEM PROSPER. 7 7 99 11 10365 0 0 810000 13078280 12780687 1165200 1927304 3328886 3487724 17572366 19005715 119746 193934 0 0 4736855 4866955 0 0 0 12148750 12004632 17005351 17065521 567015 1940194 271498365 265149925 249677699 240715251 21820666 24434674 THE MISSION OF SERVICE ONE CREDIT UNION IS TO UNDERSTAND AND MEET OUR MEMBERS AND COMMUNITY'S NEEDS TO HELP THEM PROSPER. 0 0 SERVICE ONE CREDIT UNION PROVIDES SAVINGS AND LENDING SERVICES AND PRODUCTS TO ITS FIELD OF MEMBERSHIP. 0 1 0 0 0 0 0 1 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 4848 0 1 99 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 KY X JUSTIN MORRIS 2705990469 PO BOX 51770 BOWLING GREEN KY 421026770 CHRIS GEORGE SECRETARY/TREASURER 1.00 X X 0 0 0 JAMES MCCASLIN DIRECTOR 1.00 X 0 0 0 HAROLD LITTLE VICE-CHAIR 1.00 X X 0 0 0 RICHARD L MILLER DIRECTOR 1.00 X 0 0 0 BROOKE JUSTICE DIRECTOR 1.00 X 0 0 0 BRENDA WILLOUGHBY DIRECTOR 1.00 X 0 0 0 J PAT STEWART CHAIR 1.00 X X 0 0 0 REBECCA STONE CEO 40.00 X 702330 0 13415 MATTHEW HUTCHESON CHIEF FINANCIAL OFFICER 40.00 X 104493 0 20606 MICHELLE DYER SVP/CHIEF PEOPLE AND STRATEGY OFFIC 40.00 X 121779 0 14964 JUSTIN MORRIS PRESIDENT/CHIEF EXECUTIVE OFFICER (EFF 9/2025) 40.00 X 172808 0 13003 BRAD BROWN SVP/CHIEF OPERATING OFFICE 40.00 X 123757 0 12817 NATHAN DALRYMPLE VP PEOPLE AND COMPLIANCE (THRU 9/2025) 40.00 X 103341 0 8255 1328508 0 83060 6 0 1 0 0 810000 810000 INTEREST INCOME ON LOANS TO MEMBE 522291 12780687 12780687 12780687 1484296 1484296 713620 270612 443008 443008 443008 VISA CHECK FEES 522100 1527708 1527708 NSF AND ODP FEES 522100 1346574 1346574 NON-INTEREST INCOME 522100 509561 509561 103881 93516 10365 3487724 19005715 16701054 10365 1484296 193934 911567 3116641 63848 449601 325298 77658 110292 250618 430612 441703 590075 169580 4496415 625329 102552 UNRELATED BUSINESS INCO 1799 OTHER EXPENSES 1680105 PROCESSING FEES 1070952 PROVISION FOR LOAN AND 906370 1050572 17065521 1187783 1830726 16474628 21798452 888807 630756 214903403 204381044 1101424 836911 18448841 4375617 14879719 14073224 16458704 16044883 1216040 1185540 4387857 4368389 271498365 265149925 1729603 1114036 84742 -16543 19600000 228263354 239617758 249677699 240715251 X 0 0 2207162 2207162 19613504 22227512 21820666 24434674 271498365 265149925 1940194 673814 0 X 0 0 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 2687663 2687663 12744400 2644647 10099753 3016778 1730970 1285808 14073224 CERTIFICATES OF DEPOSIT>1 YEAR IN MATURITY 1720797 F INVESTMENT IN OTHER BUSINESSES 917367 C FHLB STOCK 587700 C CHARITABLE DONATION INVESTMENTS 960084 C MBS BONDS 6504267 F GOVERNMENT AGENCY BONDS 5354668 F 16044883 MEMBER SHARE DEPOSITS 81715996 MEMBER SHARE DRAFTS 62561217 MEMBER SHARE CERTIFICATES 80670545 NON MEMBER DEPOSITS 14670000 239617758 PART IV, LINE 2B: THE CREDIT UNION COLLECTS FUNDS FROM ITS MORTGAGE LOAN BORROWERS AND HOLDS THE FUNDS IN ESCROW TO PAY THE BORROWERS REAL ESTATE TAXES AND PROPERTY INSURANCE PREMIUMS. 1 SOUTHCENTRAL KENTUCKY COMMUNITY & TECHNICAL COLLEGE 1845 LOOP DR BOWLING GREEN KY 42101 020738080 501(C)(3) 15000 0 TO PROVIDE A SPONSORSHIP AND SCHOLARSHIP SUPPORT PROJECT CAMP INC DBA CENTER FOR COURAGEOUS KIDS 1501 BURNLEY RD SCOTTSVILLE KY 42164 201789905 501(C)(3) 20000 0 TO PROVIDE A SPONSORSHIP AND SCHOLARSHIP SUPPORT ARTS OF SOUTHERN KENTUCKY FOUNDATION 610 COLLEGE ST BOWLING GREEN KY 42102 853668279 501(C)(3) 12500 0 TO PROVIDE A SPONSORSHIP AND SCHOLARSHIP SUPPORT BOWLING GREEN INTERNATIONAL FESTIVAL INC PO BOX 50996 BOWLING GREEN KY 42102 611225815 501(C)(3) 15000 0 TO PROVIDE A SPONSORSHIP AND SCHOLARSHIP SUPPORT MOBILE GROCERY OF BOWLING GREEN INC 247 DOUBLE SPRINGS BOWLING GREEN KY 42101 832375888 501(C)(3) 15000 0 TO PROVIDE A SPONSORSHIP AND SCHOLARSHIP SUPPORT SOKY PATRIOTS INC 434 NORTH MAIN STREET SMITHS GROVE KY 42159 842293057 501(C)(3) 10000 0 TO PROVIDE A SPONSORSHIP AND SCHOLARSHIP SUPPORT 6 PART I, LINE 2: THE CREDIT UNION DOES NOT MONITOR THE USE OF GRANT FUNDS ONCE THEY HAVE BEEN PROVIDED. PART I, LINE 2 X 0 1 0 REBECCA STONE CEO 202330 0 0 0 500000 0 3068 0 10347 0 715745 0 0 0 JUSTIN MORRIS PRESIDENT/CHIEF EXECUTIVE OFFICER (E 172808 0 0 0 0 0 2625 0 10378 0 185811 0 0 0 PART I, LINE 4B REBECCA STONE - $500,000 BRAD BROWN SVP/CHIEF OPERATING OFFICER HELOC X 99000 24337 0 1 1 BRAD BROWN SVP/CHIEF OPERATING OFFICER AUTO LOAN X 53981 30387 0 1 1 BRAD BROWN SVP/CHIEF OPERATING OFFICER MORTGAGE X 160000 96780 0 1 1 CHRISTOPHER ROYSE SUPERVISORY COMMITTEE CHAIR HELOC X 45600 44452 0 1 1 CHRISTOPHER ROYSE SUPERVISORY COMMITTEE CHAIR AUTO LOAN X 13963 13963 0 1 1 JAMES MCCASLIN BOARD MEMBER HELOC X 110000 105671 0 1 1 JOSEPH P STEWART BOARD MEMBER RESIDENTIAL MORTGAGE X 49500 6708 0 1 1 JOSEPH P STEWART BOARD MEMBER RECREATIONAL VEHCILE X 35705 21146 0 1 1 JOSEPH P STEWART BOARD MEMBER AUTO LOAN X 43812 39079 0 1 1 REBECCA STONE CEO MORTGAGE X 261250 226193 0 1 1 MATTHEW HUTCHESON CFO AUTO LOAN X 25322 22040 0 1 1 630756 FORM 990, PART VI, SECTION A, LINE 6 SERVICE ONE CREDIT UNION IS A NONPROFIT COOPERATIVE ORGANIZED UNDER THE LAWS OF THE STATE OF KENTUCKY AND HAD APPROXIMATELY 17,442 MEMBERS AS OF DECEMBER 2025. FORM 990, PART VI, SECTION A, LINE 7A EACH MEMBER OF THE BOARD OF DIRECTORS IS NOMINATED FOR ELECTION TO A THREE YEAR TERM BY THE MEMBERS PRESENT AT THE ANNUAL MEETING HELD IN APRIL OF EACH YEAR. FORM 990, PART VI, SECTION A, LINE 7B ANY MEMBER OF THE CREDIT UNION MAY ATTEND THE ANNUAL MEMBERS MEETING TO PRESENT ANY ITEM OF BUSINESS FOR CONSIDERATION FOR THE ENTIRE MEMBERSHIP INCLUDING A VOTE TO REVERSE PRIOR DECISIONS MADE BY THE GOVERNING BODY UPON OBTAINING A MAJORITY VOTE TO DO SO. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED AND APPROVED BY THE PRESIDENT/CEO PRIOR TO FILING THE RETURN. FORM 990, PART VI, SECTION B, LINE 12C OFFICERS AND DIRECTORS OF THE CREDIT UNION ARE REQUIRED ANNUALLY TO DISCLOSE IN WRITING ON FORMS THAT THEY ARE NOT ENGAGED IN ANY RELATIONSHIPS CONSTITUTING A CONFLICT OF INTEREST WITH THE CREDIT UNION'S BUSINESS, WHICH FORMS ARE MAINTAINED WITH HUMAN RESOURCES, AND ARE MONITORED ON AN ONGOING BASIS BY THE SECURITY OFFICER. IF AND WHEN A CONFLICT DOES ARISE IT IS BROUGHT TO THE ATTENTION OF THE CEO AND BOARD OF DIRECTORS. THE SECURITY OFFICER BRINGS THE EXCEPTIONS TO THE ATTENTION OF STATE AND FEDERAL EXAMINERS. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD OF DIRECTORS EVALUATES THE PERFORMANCE AND SALARY OF THE CEO ANNUALLY. THE BOARD ASSESSES THE PERFORMANCE AGAINST TARGETS ESTABLISHED IN THE PREVIOUS YEAR TO DETERMINE THE EXTENT TO WHICH GOALS WERE MET. FOR OTHER MANAGEMENT EMPLOYEES THE CREDIT UNION USES THE SERVICES OF AN EMPLOYMENT SPECIALIST TO DETERMINE PAY RANGES FOR EACH JOB POSITION. ANNUAL PERFORMANCE REVIEWS ARE CONDUCTED BY SUPERVISORS OF EACH EMPLOYEE TO DETERMINE THE EXTENT TO WHICH GOALS HAVE BEEN MET. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS AND THE CREDIT UNION'S INTERNALLY PREPARED FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.