Nonprofit · EIN 31-0597307
0632 WHITEWATER COMMUNITY CREDIT UNION INC
Tax-exempt · HARRISON, OH 45030
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $816,619 | $724,487 | $92,132 | $11,590,970 | $10,424,818 | $1,166,152 |
| December 31, 2024 | 990 | $803,264 | $702,548 | $100,716 | $11,825,144 | $10,751,124 | $1,074,020 |
| December 31, 2023 | 990 | $721,395 | $623,993 | $97,402 | $11,794,357 | $10,821,053 | $973,304 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $689,847
- Investment income
- $126,772
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $95,288
- Other salaries and wages
- $152,101
- Salaries, compensation and benefits (total)
- $341,391
- Professional fundraising fees
- $0
- Accounting fees
- $10,554
- Occupancy
- $51,800
- Depreciation
- $5,034
Balance sheet and other
- Total assets, start of year
- $11,825,144
- Total assets, end of year
- $11,590,970
- Total liabilities, end of year
- $10,424,818
- Net assets, end of year
- $1,166,152
- Land, buildings and equipment
- $10,617
- Gross unrelated business income
- $424
- Gross receipts
- $816,619
- Employees
- 5
- Volunteers
- 7
- Year formed
- 1954
- State of legal domicile
- OH
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 |
|---|---|---|---|
| Jenny Bowing | Manager/Board Treasurer Trustee or director, Officer | 40.5 | $95,288 |
| Russell Creek | Director Trustee or director | 0.5 | $0 |
| Toni Proffitt | Secretary BoD Trustee or director, Officer | 0.5 | $0 |
| Karen Reynolds | Vice President BoD Trustee or director, Officer | 0.5 | $0 |
| Stephanie Broderick Steffee | President BoD Trustee or director, Officer | 0.5 | $0 |
990 for the year ended December 31, 2024: 5 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Jenny Bowing | Manager/Board Treasurer Trustee or director, Officer | 40.5 | $90,672 |
| Russell Creek | Director Trustee or director | 0.5 | $0 |
| Stephanie Steffee | Board Secretary Trustee or director, Officer | 0.5 | $0 |
| Karen Reynolds | Board Vice Chairperson Trustee or director, Officer | 0.5 | $0 |
| Tom Pack | Board Chairperson Trustee or director, Officer | 0.5 | $0 |
990 for the year ended December 31, 2023: 5 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Jenny Bowing | Manager/Board Treasurer Trustee or director, Officer | 40.5 | $87,737 |
| Russell Creek | Director Trustee or director | 0.5 | $0 |
| Stephanie Steffee | Board Secretary Trustee or director, Officer | 0.5 | $0 |
| Karen Reynolds | Board Vice Chairperson Trustee or director, Officer | 0.5 | $0 |
| Tom Pack | Board Chairperson Trustee or director, Officer | 0.5 | $0 |
Address and contacts
- Address (IRS master file)
- 1157 HARRISON AVE, HARRISON, OH 45030-1523
- Principal officer (990 for 2025)
- Stephanie Broderick-Steffee, 2555 Ledgestone Dr, West Harrison, IN 47060
- Signed the 990
- Jenny Bowling, Manager/Treasurer
- Phone
- (513) 202-1306
- Website
- http://www.whitewaterccu.org
- Return prepared by
- Stoodt's Accounting & Auditing Services
Mission
The goal of Whitewater Community Credit Union is to progressively serve members while maintaining financial integrity and stability.
Program accomplishments
- The credit union services their 1,616 members by providing deposit services including share and club accounts, share draft accounts, share certificate accounts and IRA accounts. The members have access to online banking, mobile application, debit cards, credit cards and ATMs.
- Loan products offered by the credit union include new and used vehicle loans, recreational vehicle loans, share secured loans, unsecured loans and credit cards. The credit union granted 359 loans in 2025 totaling $3,324,950 at competitive loan rates.
- The credit union paid competitive dividends on the 1,888 share accounts, share certificates and IRA accounts held by the credit union's 1,616 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 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
- 31-0597307
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1969
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1990: OHIO CHARTERED CREDIT UNIONS
- Assets (IRS master file)
- $11,590,970
- Income (IRS master file)
- $816,619
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $816,619 | $724,487 | $11,590,970 | IRS |
| 990 | December 2024 | $803,264 | $702,548 | $11,825,144 | XML |
| 990 | December 2023 | $721,395 | $623,993 | $11,794,357 | XML |
| 990 | December 2022 | $576,207 | $485,342 | $11,653,516 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 31-0597307).
Questions about 0632 WHITEWATER COMMUNITY CREDIT UNION INC
- What is the EIN of 0632 WHITEWATER COMMUNITY CREDIT UNION INC?
- The employer identification number (EIN) of 0632 WHITEWATER COMMUNITY CREDIT UNION INC is 31-0597307.
- Is 0632 WHITEWATER COMMUNITY CREDIT UNION INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1969.
- Are donations to 0632 WHITEWATER COMMUNITY CREDIT UNION INC tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does 0632 WHITEWATER COMMUNITY CREDIT UNION INC 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 0632 WHITEWATER COMMUNITY CREDIT UNION INC 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 0632 WHITEWATER COMMUNITY CREDIT UNION INC 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 0632 WHITEWATER COMMUNITY CREDIT UNION INC?
- The 990 for the year ended December 31, 2025 names Stephanie Broderick-Steffee.
- Who are the officers and directors of 0632 WHITEWATER COMMUNITY CREDIT UNION INC?
- The 990 for the year ended December 31, 2025 lists 5 people; 1 received compensation from the organization, the highest $95,288 (Jenny Bowing, Manager/Board Treasurer).
- How much revenue does 0632 WHITEWATER COMMUNITY CREDIT UNION INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $816,619, expenses of $724,487 and total assets of $11,590,970 at year end.
Other nonprofits in HARRISON
- SOCIETY FOR SIMULATION IN HEALTHCARE EIN 26-0079656 · last filed 990 for 2025
- PATHWAYS TO HOME EIN 31-1301490 · last filed 990 for 2025
- 1291 CINCINNATI EMPLOYEES CREDIT UNION INC EIN 31-0965142 · last filed 990 for 2025
- MAAS FAMILY FOUNDATION EIN 46-4225629 · last filed 990-PF for 2025
- VFW DUWEL POST 7570 EIN 31-0876425 · last filed 990 for 2024
- AMERICAN WATCHMAKERS INSTITUTE INC EIN 31-0731708 · last filed 990 for 2024
- REACH OUT PREGNANCY CENTER EIN 31-1407489 · last filed 990 for 2025
- AMERICAN LEGION EIN 23-7085801 · last filed 990 for 2024