Nonprofit · EIN 03-0197116
MEMBERS 1ST CREDIT UNION
Tax-exempt · BRATTLEBORO, VT 05304
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $1,528,314 | $1,447,804 | $80,510 | $22,825,096 | $20,739,659 | $2,085,437 |
| December 31, 2024 | 990 | $1,355,422 | $1,325,377 | $30,045 | $21,181,241 | $19,176,314 | $2,004,927 |
| December 31, 2023 | 990 | $1,335,424 | $1,083,431 | $251,993 | $17,231,872 | $15,256,990 | $1,974,882 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,257,079
- Investment income
- $271,235
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $462,230
- Compensation of officers, directors and key employees
- $66,070
- Other salaries and wages
- $334,302
- Salaries, compensation and benefits (total)
- $450,862
- Professional fundraising fees
- $0
- Accounting fees
- $78,290
- Occupancy
- $46,664
- Depreciation
- $32,069
Balance sheet and other
- Total assets, start of year
- $21,181,241
- Total assets, end of year
- $22,825,096
- Total liabilities, end of year
- $20,739,659
- Net assets, end of year
- $2,085,437
- Land, buildings and equipment
- $132,357
- Gross receipts
- $1,528,314
- Employees
- 9
- Volunteers
- 10
- Year formed
- 1957
- State of legal domicile
- VT
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 |
|---|---|---|---|
| EVELYN SIROIS | CEO Officer, Highest-paid employee | 40 | $66,070 |
| TAMARA GRAY | CHAIR Trustee or director | 1 | $0 |
| MONA WILLIAMS | VICE CHAIR Trustee or director | 1 | $0 |
| MICHAEL DEL PRIORE | TREASURER Trustee or director | 1 | $0 |
| LAWRENCE O'NEILL | RECORDING SECRETARY Trustee or director | 1 | $0 |
| WILLIAM HARVEY | DIRECTOR Trustee or director | 1 | $0 |
| EDWARD HOGAN | DIRECTOR Trustee or director | 1 | $0 |
| BERT WILKINS | DIRECTOR Trustee or director | 1 | $0 |
| SHERI BOLSTER | SUPERVISORY COMMITTEE CHAIR Trustee or director | 1 | $0 |
| EDITH HARVEY | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 |
| AMBER DOWNING RIPA | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 11 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| EVELYN SIROIS | CEO Officer, Highest-paid employee | 45 | $78,083 |
| TAMARA GRAY | CHAIR Trustee or director | 1 | $0 |
| MICHAEL DEL PRIORE | VICE CHAIR Trustee or director | 1 | $0 |
| MONA WILLIAMS | DIRECTOR Trustee or director | 1 | $0 |
| JUDITH WISELL | TREASURER Trustee or director | 1 | $0 |
| EDWARD HOGAN | DIRECTOR Trustee or director | 1 | $0 |
| LAWRENCE O'NEILL | DIRECTOR Trustee or director | 1 | $0 |
| BERT WILKINS | DIRECTOR Trustee or director | 1 | $0 |
| SHERI BOLSTER | SUPERVISORY COMMITTEE CHAIR Trustee or director | 1 | $0 |
| EDITH HARVEY | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 |
| AMBER DOWNING | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| EVELYN SIROIS | CEO Officer, Highest-paid employee | 40 | $81,441 |
| TAMARA GRAY | CHAIR Trustee or director | 1 | $0 |
| MICHAEL DEL PRIORE | VICE CHAIR Trustee or director | 1 | $0 |
| MONA WILLIAMS | DIRECTOR Trustee or director | 1 | $0 |
| JUDITH WISELL | TREASURER Trustee or director | 1 | $0 |
| DAVID COTTON | DIRECTOR Trustee or director | 1 | $0 |
| LAWRENCE O'NEILL | DIRECTOR Trustee or director | 1 | $0 |
| BERT WILKINS | DIRECTOR Trustee or director | 1 | $0 |
| SHERI BOLSTER | SUPERVISORY COMMITTEE CHAIR Trustee or director | 1 | $0 |
| EDITH HARVEY | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 |
| AMBER DOWNING | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 8245, BRATTLEBORO, VT 05304-8245
- In care of
- % CEO
- Principal officer (990 for 2025)
- MEMBERS 1ST CREDIT UNION, 10 BROWNE COURT PO BOX 8245, BRATTLEBORO, VT 05304
- Signed the 990
- Evelyn Sirois, CEO
- Phone
- (802) 257-5131
- Website
- www.members1cu.com
Mission
WE ARE A MEMBER OWNED FINANCIAL SERVICES PROVIDER MEETING OUR MEMBERS FINANCIAL NEEDS IN THE MOST PERSONAL WAY
Program accomplishments
- Not a required field since we are a 501 (c) 14
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
- 03-0197116
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1987
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $22,825,096
- Income (IRS master file)
- $1,528,314
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $1,528,314 | $1,447,804 | $22,825,096 | IRS |
| 990 | December 2024 | $1,355,422 | $1,325,377 | $21,181,241 | XML |
| 990 | December 2023 | $1,335,424 | $1,083,431 | $17,231,872 | XML |
| 990 | December 2022 | $923,834 | $824,805 | $16,999,218 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 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 03-0197116).
Questions about MEMBERS 1ST CREDIT UNION
- What is the EIN of MEMBERS 1ST CREDIT UNION?
- The employer identification number (EIN) of MEMBERS 1ST CREDIT UNION is 03-0197116.
- Is MEMBERS 1ST CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1987.
- Are donations to MEMBERS 1ST CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does MEMBERS 1ST 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 MEMBERS 1ST 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 MEMBERS 1ST 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 MEMBERS 1ST CREDIT UNION?
- The 990 for the year ended December 31, 2025 names MEMBERS 1ST CREDIT UNION.
- Who are the officers and directors of MEMBERS 1ST CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 11 people; 1 received compensation from the organization, the highest $66,070 (EVELYN SIROIS, CEO).
- How much revenue does MEMBERS 1ST CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $1,528,314, expenses of $1,447,804 and total assets of $22,825,096 at year end.
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