Nonprofit · EIN 31-0622053
196 MIDDLETOWN AREA SCHOOLS CREDIT UNION
Tax-exempt · MIDDLETOWN, OH 45044
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $663,369 | $505,272 | $158,097 | $10,801,850 | $9,191,298 | $1,610,552 |
| December 31, 2024 | 990 | $661,055 | $471,091 | $189,964 | $10,193,948 | $8,721,815 | $1,472,133 |
| December 31, 2023 | 990 | $652,471 | $502,637 | $149,834 | $9,807,841 | $8,525,672 | $1,282,169 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $513,536
- Investment income
- $149,833
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $0
- Other salaries and wages
- $143,746
- Salaries, compensation and benefits (total)
- $176,754
- Professional fundraising fees
- $0
- Accounting fees
- $4,731
- Occupancy
- $20,360
- Travel
- $75
- Depreciation
- $33,015
Balance sheet and other
- Total assets, start of year
- $10,193,948
- Total assets, end of year
- $10,801,850
- Total liabilities, end of year
- $9,191,298
- Net assets, end of year
- $1,610,552
- Land, buildings and equipment
- $69,890
- Gross receipts
- $663,369
- Employees
- 6
- Volunteers
- 7
- Year formed
- 1937
- 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 |
|---|---|---|---|
| Cecil R Barger | Director Trustee or director | 0.5 | $0 |
| Shirley Chaputa | Director Trustee or director | 0.5 | $0 |
| Linda Jester | Director Trustee or director | 0.5 | $0 |
| Terry Snelling | Director Trustee or director | 0.5 | $0 |
| Mary A Gast | Director-Secretary Trustee or director, Officer | 0.5 | $0 |
| James J Stiver | Director/Vice President Trustee or director, Officer | 0.5 | $0 |
| Martha Morgan | Director President Trustee or director, Officer | 0.5 | $0 |
990 for the year ended December 31, 2024: 7 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Cecil R Barger | Director Trustee or director | 0.5 | $0 |
| Shirley Chaputa | Director Trustee or director | 0.5 | $0 |
| Linda Jester | Director Trustee or director | 0.5 | $0 |
| Terry Snelling | Director Trustee or director | 0.5 | $0 |
| Mary A Gast | Director-Secretary/Treasurer Trustee or director, Officer | 0.75 | $0 |
| James J Stiver | Director/Vice Chairperson Trustee or director, Officer | 0.5 | $0 |
| Martha Morgan | Director/Chairperson Trustee or director, Officer | 0.5 | $0 |
990 for the year ended December 31, 2023: 7 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Cecil R Barger | Director Trustee or director | 0.5 | $0 |
| Shirley Chaputa | Director Trustee or director | 0.5 | $0 |
| Linda Jester | Director Trustee or director | 0.5 | $0 |
| Catherine J Jones | Board Trustee or director | 0.5 | $0 |
| Mary A Gast | Secretary/Treasurer Trustee or director, Officer | 0.75 | $0 |
| James J Stiver | Vice Chair Trustee or director, Officer | 0.5 | $0 |
| Martha Morgan | President Trustee or director, Officer | 0.5 | $0 |
Address and contacts
- Address (IRS master file)
- 1730 CENTRAL AVE, MIDDLETOWN, OH 45044-4140
- Principal officer (990 for 2025)
- Martha Morgan, 5004 Victoria Drive, Middletown, OH 45044
- Signed the 990
- Martha Morgan, President
- Phone
- (513) 422-2392
- Website
- http://www.mascu.com
- Return prepared by
- Stoodt's Accounting & Auditing Services
Mission
We are people helping people, rooted in our communities, empowering our employees to help our members achieve financial success.
Program accomplishments
- The credit union services their 1,009 members by providing deposit services including share and club accounts, share draft accounts and share certificates. The members have access to home banking, debit cards, credit cards and ATMs.
- Loan products offered by the credit union includes new and used vehicle loans, recreational vehicle loans, share secured loans, unsecured loans and credit cards, The credit union granted 232 loans in 2025 totaling $3,586,460 at competitive rates. Loans increased 25.59% in 2025.
- The credit union paid dividends on the 1,288 share accounts and share certificate accounts held by the credit union's 1,009 members. Shares increased 5.41% in 2025.
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
- 31-0622053
- 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)
- $10,801,850
- Income (IRS master file)
- $663,369
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $663,369 | $505,272 | $10,801,850 | IRS |
| 990 | December 2024 | $661,055 | $471,091 | $10,193,948 | XML |
| 990 | December 2023 | $652,471 | $502,637 | $9,807,841 | XML |
| 990 | December 2022 | $404,301 | $350,624 | $9,398,111 | 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 31-0622053).
Questions about 196 MIDDLETOWN AREA SCHOOLS CREDIT UNION
- What is the EIN of 196 MIDDLETOWN AREA SCHOOLS CREDIT UNION?
- The employer identification number (EIN) of 196 MIDDLETOWN AREA SCHOOLS CREDIT UNION is 31-0622053.
- Is 196 MIDDLETOWN AREA SCHOOLS CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1969.
- Are donations to 196 MIDDLETOWN AREA SCHOOLS CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does 196 MIDDLETOWN AREA SCHOOLS 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 196 MIDDLETOWN AREA SCHOOLS 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 196 MIDDLETOWN AREA SCHOOLS 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 196 MIDDLETOWN AREA SCHOOLS CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Martha Morgan.
- Who are the officers and directors of 196 MIDDLETOWN AREA SCHOOLS CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 7 people; 0 received compensation from the organization.
- How much revenue does 196 MIDDLETOWN AREA SCHOOLS CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $663,369, expenses of $505,272 and total assets of $10,801,850 at year end.
Other nonprofits in MIDDLETOWN
- MIDDLETOWN WORKS HOURLY & SALARIED UNION RETIREES HEALTH CARE FUND EIN 36-7485085 · last filed 990 for 2025
- MYUSA CREDIT UNION INC EIN 31-6023946 · last filed 990 for 2025
- MARSHALL HIGH SCHOOL EIN 31-1757552 · last filed 990 for 2025
- TALBERT HOUSE HEALTH CENTER EIN 46-1068818 · last filed 990 for 2024
- HOSPICE CARE OF MIDDLETOWN INC EIN 74-3131974 · last filed 990 for 2024
- MIDDLETOWN PREPARATORY AND FITNESS ACADEMY EIN 26-0005283 · last filed 990 for 2025
- WOODSIDE CEMETERY ASSOCIATION EIN 31-0495480 · last filed 990 for 2025
- MIDDLETOWN COMMUNITY FOUNDATION EIN 31-0898380 · last filed 990 for 2025