2026-08-24T13:48:23-05:00 2025-12-31 810781371 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 660616454 990 2025-01-01 480625190 AZURA CREDIT UNION AZUR 7852335556 610 SW 10TH AVENUE TOPEKA KS 666121673 GREG WINKLER PRESIDENT/CEO 7852335556 2026-08-24 1 GERALD TENBRINK P00638199 9138946214 2026-08-23 2025 2025-03-06 01:10:19Z GREG WINKLER 610 SW 10TH AVENUE TOPEKA KS 666121673 63343387 0 X WWW.AZURACU.COM X 1974 KS AZURA IS ENHANCING LIVES BY DELIVERING INNOVATIVE FINANCIAL SERVICE, EDUCATION, AND VALUE. 9 9 233 16 208745 0 0 0 51244405 52905689 6934581 6154953 60583 63637 58239569 59124279 261707 332030 0 0 16084208 18296707 0 0 0 40579333 37715484 56925248 56344221 1314321 2780058 806120563 830258206 724495481 745321140 81625082 84937066 X AZURA IS ENHANCING LIVES BY DELIVERING INNOVATIVE FINANCIAL SERVICE, EDUCATION, AND VALUE THROUGH PERSONAL AND COMMUNITY ENGAGEMENT. 1 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 60,228 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 41,655 LOANS OUTSTANDING TOTALING $580,904,858, INCLUDING LOAN PARTICIPATIONS. PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $13,670,394 FOR THE YEAR. 0 0 0 0 0 0 0 1 0 1 1 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 1 21426 0 1 233 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X DAVID LINDERMAN 7852335556 610 SW 10TH AVENUE TOPEKA KS 666121673 BRAD DEITER CHAIRMAN 2.00 X 0 0 0 SHIRLEY MARTIN TREASURER 2.00 X 0 0 0 MARCIA DECHAND SECRETARY 2.00 X 0 0 0 ROBERT BALSTERS DIRECTOR 2.00 X 0 0 0 STEPHEN MCINTOSH DIRECTOR 2.00 X 0 0 0 RANDY PACHOSA DIRECTOR 2.00 X 0 0 0 BRYAN VARGAS DIRECTOR 2.00 X 0 0 0 JASON FISHER DIRECTOR 2.00 X 0 0 0 MAGGIE SULLIVAN DIRECTOR 2.00 X 0 0 0 GREG WINKLER PRESIDENT/CEO 40.00 X 410727 0 31608 BRENTT MOON SVP-OPERATIONS & INFO SYST 40.00 X 280150 0 25728 SHERYL DICK SVP-MEMBER SERVICE/CRO 40.00 X 146675 0 16113 LISA BROWN SVP-ADMINISTRATION/CAO 40.00 X 231272 0 24301 HANNAH ANDERSON SVP-LENDING/CLO 40.00 X 209517 0 22371 JENNIFER KEIM SVP-COMPLIANCE/CCO 40.00 X 237887 0 22799 DAVID LINDERMAN SVP-FINANCE/CFO 40.00 X 212451 0 23103 BROOKE HAMILTON VP-DIGITAL MEMBER EXPERIEN 40.00 X 89826 0 5662 MARY MUNGER VP-MEMBER EXPERIENCE 40.00 X 175845 0 20483 KURTIS SCOTT VP-DIGITAL SERVICES 40.00 X 194591 0 21152 CASSANDRA OWEN VP-PROJECT MANAGEMENT 40.00 X 172172 0 18333 VALERIE TAYLOR VP-MARKETING 40.00 X 157758 0 17889 CHRISTY CAMPBELL VP-HUMAN RESOURCES 40.00 X 150259 0 19866 COURTNEY STILLINGS VP-RISK MANAGEMENT 40.00 X 150997 0 17637 2820127 0 287045 13 0 1 0 0 INTEREST ON LOANS 522100 40709666 40709666 FEES & OTHER INCOME 522100 12137510 11987278 150232 WARRANTY SALES & OTHER INSURANCE 524298 58513 58513 52905689 6269963 6269963 63637 63637 3504098 600000 3513936 705172 -9838 -105172 -115010 -115010 59124279 58915534 208745 0 308851 23179 2768408 12998398 355286 1215525 959090 31358 149144 744951 878582 5258443 3627661 1329369 62925 74064 878767 1609382 187300 MEMBER DIVIDENDS 13670394 PROVISION FOR LOAN LOSS 7475740 LOAN SERVICING 1623102 DUES & SUBSCRIPTIONS 67180 47122 56344221 12256428 12747157 46544653 68508111 1453251 1859190 6111684 11739197 588071069 569194050 1822611 1732959 33609468 10782462 24275895 22827006 107807088 124327211 17777884 17323325 806120563 830258206 7729564 8645948 22766510 15777865 693999407 720897327 724495481 745321140 X 0 0 0 0 81625082 84937066 81625082 84937066 806120563 830258206 2780058 531926 0 X 0 0 0 CREDIT UNION PAC OF KANSAS 901 SW TOPEKA BLVD TOPEKA KS 66612 480949548 0 0 3940808 3940808 22215520 5511929 16703591 7443440 5270533 2172907 9700 9700 22827006 HTM-FED AGENCY SEC 14500000 C AFS-MORTGAGE BACKED/CMO 57829041 F HTM-MORTGAGE BACKED/CMO 49087139 C FHLB CLASS A STOCK 600000 C MEMBERS MORT SVCS, LLC 192963 C CROCO CUSO, LLC 1005 C FHLB CLASS B STOCK 276400 C PERPETUAL CONTRIBUTED CAPITAL 1840663 C 124327211 MEMBER SHARE DEPOSITS 720897327 720897327 X 59124281 2 2 59124279 0 59124279 56344224 3 3 56344221 0 56344221 PART IV, LINE 2B: MANY NEW ACCOUNT OFFICERS ARE TRAINED WITH CUNA'S CERTIFIED FINANCIAL COUNSELOR PROGRAM, AND HAVE THAT DESIGNATION. THEY MEET WITH MEMBERS AS NEEDED. PART X, LINE 2: THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES UNDER THE PROVISIONS OF SECTION 501 OF THE INTERNAL REVENUE CODE (IRC) OF 1954; HOWEVER, THE CREDIT UNION'S UNRELATED BUSINESS INCOME AND SUBSIDIARIES ARE SUBJECT TO FEDERAL INCOME TAXES. THERE WERE NO SIGNIFICANT INCOME TAXES FOR THE YEARS ENDED DECEMBER 31, 2023 AND DECEMBER 31, 2022. ACCOUNTING PRINCIPLES PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT UNION HAD NO UNRECOGNIZED TAX POSITIONS AT DECEMBER 31, 2023 AND DECEMBER 31, 2022. IT IS THE CREDIT UNION'S POLICY TO RECORD ANY PENALTIES OR INTEREST ARISING FROM FEDERAL OR STATE TAXES AS A COMPONENT OF NONINTEREST EXPENSE. PART XI, LINE 2D - OTHER ADJUSTMENTS: ROUNDING DIFFERENCES 2. PART XII, LINE 2D - OTHER ADJUSTMENTS: ROUNDING DIFFERENCES 3. 1 GREATER TOPEKA PARTNERSHIP FOUNDATION 719 S KANSAS AVE SUITE 100 TOPEKA KS 66603 800077427 501(C)3 0 10000 BETTERMENT OF THE TOPEKA AREA BOYS & GIRLS CLUBS OF TOPEKA 550 SE 27TH STREET TOPEKA KS 66605 480636732 501(C)3 0 17946 YOUTH PROGRAMS HARVESTERS-THE COMMUNITY FOOD NETWORK 215 SE QUINCY TOPEKA KS 66603 431208665 501(C)3 0 19572 FOOD PANTRY MILITARY VETERAN PROJECT INC PO BOX 3926 TOPEKA KS 66604 460877378 501(C)3 0 41854 PREVENTION OF MILITARY SUICIDE THROUGH TREATMENT AND RESEARCH SUPPORTING KIDS FOUNDATION PO BOX 15171 LENEXA KS 66285 272386653 501(C)3 0 16240 FINANCIAL SUPPORT FOR FAMILIES BATTLING CHILDHOOD CANCER TARC INC 2701 SW RANDOLPH AVE TOPEKA KS 66611 486086732 501(C)3 0 34085 SERVICES AND SUPPORT FOR PEOPLE WITH INTELLECTUAL AND DEVELOPMENTAL DISABILITIES TOPEKA RESCUE MISSION PO BOX 8350 TOPEKA KS 66608 480688068 501(C)3 0 19220 HOMELESS SHELTER AND ASSISTANCE STORMONT-VAIL HEALTHCARE INC 1500 SW 10TH AVENUE TOPEKA KS 66604 450543789 501(C)3 0 14713 IMPROVE HEALTH-CARE OF OUR COMMUNITY SHAWNEE HEIGHTS PUBLIC SCHOOLS 4401 SW SHAWNEE HEIGHTS RD TECUMSEH KS 66542 480723971 0 13487 COMMUNITY STUDENT AND TEACHER EDUCATIONAL SUPPORT HELPING HANDS HUMANE SOCIETY 5720 SW 21ST ST TOPEKA KS 66604 480597124 501(C)3 0 34350 CARE FOR ANIMALS WITHOUT HOMES AND SUPPORT FOR PET ADOPTION WASHBURN UNIVERSITY 1700 SW COLLEGE AVE TOPEKA KS 66621 486030115 0 7750 SUPPORT HIGHER EDUCATION DESOTO SCHOOLS #232 35200 W 91ST ST DESOTO KS 66018 832320141 0 8040 USED TO SUPPORT THE GREATER KC AREA SCHOOLS, SPECIFICALLY OUR OLATHE AREA BRANCH TOPEKA PUBLIC SCHOOLS 624 W 24TH ST TOPEKA KS 66611 0 7817 USED TO SUPPORT THE GREATER TOPEKA AREA SCHOOLS, ALL OF TOPEKA CITY LIMITS SCHOLARSHIPS 2 6000 TEACHER MINI GRANTS 62 16179 PART I, LINE 2: THE CREDIT UNION AWARDS TWO SCHOLARSHIPS TO STUDENTS WHO WILL BE ATTENDING AN ACCREDITED HIGHER EDUCATION INSTITUTE WITHIN THE STATE OF KANSAS, OR WITHIN 80 MILES OF AN AZURA CREDIT UNION. APPLICATIONS ARE REVIEWED BY A SELECTION COMMITTEE AND WINNERS ARE AWARDED $3,000 WITH PROCEEDS PAID DIRECTLY TO THE COLLEGE/UNIVERSITY OR TECHNICAL SCHOOL. IN ADDITION, TEACHERS MAY APPLY FOR MINI-GRANTS OF UP TO $300 TO HELP COVER THE COST OF VARIOUS CLASSROOM PROJECTS. APPLICATIONS ARE REVIEWED BY AZURA'S BUSINESS DEVELOPMENT STAFF AND FUNDS ARE PAID TO THE VENDOR SUPPLIER OR TO THE SCHOOL. X X X X X 0 1 0 GREG WINKLER PRESIDENT/CEO 402462 0 8091 0 174 0 22980 0 8628 0 442335 0 0 0 BRENTT MOON SVP-OPERATIONS & INFO SYST 221581 0 58367 0 202 0 15511 0 10217 0 305878 0 0 0 JENNIFER KEIM SVP-COMPLIANCE/CCO 196998 0 40687 0 202 0 13790 0 9009 0 260686 0 0 0 LISA BROWN SVP-ADMINISTRATION/CAO 218347 0 12723 0 202 0 15284 0 9017 0 255573 0 0 0 DAVID LINDERMAN SVP-FINANCE/CFO 201291 0 10958 0 202 0 14090 0 9013 0 235554 0 0 0 HANNAH ANDERSON SVP-LENDING/CLO 198912 0 10403 0 202 0 11860 0 10511 0 231888 0 0 0 KURTIS SCOTT VP-DIGITAL SERVICES 158577 0 35828 0 186 0 11100 0 10052 0 215743 0 0 0 MARY MUNGER VP-MEMBER EXPERIENCE 165581 0 10062 0 202 0 11591 0 8892 0 196328 0 0 0 CASSANDRA OWEN VP-PROJECT MANAGEMENT 142060 0 29910 0 202 0 9944 0 8389 0 190505 0 0 0 VALERIE TAYLOR VP-MARKETING 151269 0 6287 0 202 0 9076 0 8813 0 175647 0 0 0 CHRISTY CAMPBELL VP-HUMAN RESOURCES 142615 0 7442 0 202 0 9983 0 9883 0 170125 0 0 0 COURTNEY STILLINGS VP-RISK MANAGEMENT 134856 0 15939 0 202 0 9287 0 8350 0 168634 0 0 0 SHERYL DICK SVP-MEMBER SERVICE/CRO 135944 0 10607 0 124 0 10177 0 5936 0 162788 0 0 0 PART I, LINE 3 THE PRESIDENT/CEO'S COMPENSATION IS SET BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS, APPROVED BY THE FULL BOARD AND IS PURSUANT TO A WRITTEN EMPLOYMENT CONTRACT. MANY EXTERNAL SOURCES FOR COMPARISON ARE REVIEWED, INCLUDING BUT NOT LIMITED TO COMPEASE SALARY SURVEYS, OTHER CREDIT UNION 990S, PEER SALARY DATA WHERE AVAILABLE, AND PREVIOUS YEAR'S COMPENSATION DATA. PART I, LINE 4B THE CREDIT UNION HAS COLLATERAL ASSIGNMENT SPLIT DOLLAR LIFE INSURANCE ARRANGEMENTS WITH THE FOLLOWING OFFICERS: - GREG WINKLER, PRESIDENT/CEO - LISA BROWN, SVP-ADMINISTRATION/CAO - BRENTT MOON, SVP-OPERATIONS & INFORMATION SYSTEMS/CIO - SHERYL DICK, SVP-RETAIL SERVICES/CRO - DAVID LINDERMAN - CHIEF FINANCIAL OFFICER - HANNAH ANDERSON - SVP-LENDING/CLO - JENNIFER KEIM - SVP-COMPLIANCE/CCO SEE SCHEDULE L FOR FURTHER DETAILS, INCLUDING THE RELATED LOANS OUTSTANDING AT YEAR END. GREG WINKLER PRESIDENT/CEO PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN X 2600000 2985560 0 1 1 LISA BROWN SVP-ADMINISTRATION/CAO PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN X 800000 905822 0 1 1 BRENTT MOON SVP-OPERATIONS & INFORMATION SYSTEMS/CIO PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN X 650000 659552 0 1 1 SHERYL DICK SVP-RETAIL SERVICES/CRO PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN X 1800000 832427 0 1 1 DAVID LINDERMAN CHIEF FINANCIAL OFFICER PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN X 2000000 2001838 0 1 1 HANNAH ANDERSON SVP-LENDING/CLO PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN X 2350000 2352160 0 1 1 JENNIFER KEIM SVP-COMPLIANCE/CCO PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN X 2000000 2001838 0 1 1 11739197 SCHEDULE L, PART II, LOANS TO AND FROM INTERESTED PERSONS: THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT THE IRS REFERS TO AS "COLLATERAL ASSIGNMENT SPLIT DOLLAR" (CASD). WHILE THE IRS REQUIRES REPORTING IN PART II, ABOVE, FOR LOANS TO INTERESTED PERSONS, CASD IS IS NOT AN ACTUAL LOAN. THERE IS NEITHER A TRANSFER OF FUNDS TO THE EXECUTIVE NOR AN OBLIGATION FOR THE EXECUTIVE TO PAY THOSE FUNDS BACK. INSTEAD, THE CREDIT UNION RECOVERS ITS OUTLAYS PLUS INTEREST FROM THE UNDERLYING INSURANCE POLICY.IN CASD, THE CREDIT UNION DEPOSITS DOLLARS DIRECTLY INTO A LIFE INSURANCE POLICY OWNED BY THE EXECUTIVE AND HOLDS A LIEN ON THE POLICY TO ENSURE REPAYMENT. AT SPECIFIED TIMES AND SUBJECT TO VESTING REQUIREMENTS, THE EXECUTIVE MAY BORROW FROM THE CASH VALUE OF THE POLICY TO SUPPLEMENT RETIREMENT INCOME (PROVIDED THERE ARE SUFFICIENT POLICY VALUES). BORROWING IS CAREFULLY MONITORED AND LIMITED TO ASSURE THE POLICY WILL REMAIN IN EFFECT UNTIL THE EXECUTIVE'S DEATH AND WILL PAY A DEATH BENEFIT AT LEAST SUFFICIENT TO REPAY THE CREDIT UNION'S OUTLAYS PLUS INTEREST. FORM 990, PART III, LINE 2 AZURA CREDIT UNION COMPLETED A FULL CORE OPERATING SYSTEM CONVERSION IN 2025. THE CORE SYSTEM WAS CHANGED FROM FISERV'S CUNIFY TO JACK HENRY'S SYMITAR. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. FORM 990, PART VI, SECTION A, LINE 7B CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR. FORM 990, PART VI, SECTION B, LINE 11B THE 990 TAX RETURN IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM BASED ON DATA PROVIDED BY THE CREDIT UNION. UPON COMPLETION, IT IS REVIEWED BY THE CFO AND CEO, UPDATED AS NEEDED, FORMALLY APPROVED BY THE CEO, AND PRESENTED TO THE BOARD OF DIRECTORS FOR FINAL APPROVAL. FORM 990, PART VI, SECTION B, LINE 12C ON AN ANNUAL BASIS, OFFICERS, DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 15 THE PRESIDENT/CEO'S COMPENSATION IS SET BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS, APPROVED BY THE FULL BOARD AND IS PURSUANT TO A WRITTEN EMPLOYMENT CONTRACT. MANY EXTERNAL SOURCES FOR COMPARISON ARE REVIEWED, INCLUDING BUT NOT LIMITED TO COMPEASE SALARY SURVEYS, OTHER CREDIT UNION 990S, PEER SALARY DATA WHERE AVAILABLE, AND PREVIOUS YEAR'S COMPENSATION DATA. FOR OTHER EXECUTIVE POSITIONS, COMPEASE ALLOWS FOR SALARY RANGES, ALONG WITH ASSET SIZES AND REGIONALIZED AREAS. OTHER EMPLOYEE COMPENSATION IS BASED ON COMPEASE PEER DATA AS WELL. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING, POSTED QUARTERLY ON THE CREDIT UNION'S WEBSITE, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES AND PROCEDURES ARE AVAILABLE UPON WRITTEN REQUEST OF THE SUPERVISORY COMMITTEE. CROCO CUSO LLC 610 SW 10TH AVENUE TOPEKA KS 66612 920192646 CREDIT UNION SERVICE ORGANIZATION (DORMANT) KS