Nonprofit · EIN 35-0932142
TLCU FINANCIAL
Tax-exempt · MISHAWAKA, IN 46546
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $3,296,221 | $2,669,709 | $626,512 | $57,288,500 | $48,125,517 | $9,162,983 |
| December 31, 2024 | 990 | $2,900,629 | $2,221,887 | $678,742 | $53,103,297 | $44,566,826 | $8,536,471 |
| December 31, 2023 | 990 | $2,457,342 | $1,940,962 | $516,380 | $52,982,586 | $45,124,857 | $7,857,729 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,993,660
- Investment income
- $1,302,561
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $206,872
- Other salaries and wages
- $680,781
- Salaries, compensation and benefits (total)
- $1,072,108
- Professional fundraising fees
- $0
- Occupancy
- $96,621
- Depreciation
- $87,093
- Program services (functional)
- $2,669,709
Balance sheet and other
- Total assets, start of year
- $53,103,297
- Total assets, end of year
- $57,288,500
- Total liabilities, end of year
- $48,125,517
- Net assets, end of year
- $9,162,983
- Land, buildings and equipment
- $1,950,175
- Gross receipts
- $3,296,221
- Employees
- 20
- Volunteers
- 0
- Year formed
- 1997
- State of legal domicile
- IN
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 | Other / benefits |
|---|---|---|---|---|
| KENDRA FLECKNER | PRESIDENT/CEO Officer | 40 | $132,010 | $21,686 |
| CAROL SMITH | VP ACCOUNTING Officer | 40 | $79,352 | $5,404 |
| DERIC EGGELSTON | CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| JANET DONATH | TREASURER/SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| VICTOR KASZNIA | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| JAMES LEEPER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CONSTANTINE IANTRIA | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 7 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KENDRA FLECKNER | PRESIDENT/CEO Officer | 40 | $97,763 |
| CAROL SMITH | VP ACCOUNTING Officer | 40 | $80,495 |
| DERIC EGGELSTON | CHAIR Trustee or director, Officer | 1 | $0 |
| JANET DONATH | TREASURER/SECRETARY Trustee or director, Officer | 1 | $0 |
| VICTOR KASZNIA | VICE CHAIR Trustee or director, Officer | 1 | $0 |
| JAMES LEEPER | DIRECTOR Trustee or director | 1 | $0 |
| CONSTANTINE IANTRIA | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 7 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KENDRA FLECKNER | PRESIDENT/CEO Officer | 40 | $85,469 | $20,409 |
| CAROL SMITH | VP ACCOUTING Officer | 40 | $65,581 | $3,630 |
| DERIC EGGELSTON | CHAIRMAN Trustee or director | 1 | $0 | $0 |
| JANET DONATH | TREASURER/SECRETARY Trustee or director | 1 | $0 | $0 |
| VICTOR KASZNIA | VICE CHAIRMAN Trustee or director | 1 | $0 | $0 |
| JAMES LEEPER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CONSTANTINE IANTRIA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 804, MISHAWAKA, IN 46546-0804
- Principal officer (990 for 2025)
- CAROL SMITH, 1816 N MAIN ST, MISHAWAKA, IN 46545
- Signed the 990
- CAROL SMITH, VP ACCOUNTING
- Phone
- (574) 255-3193
- Website
- WWW.TLCUFINANCIAL.ORG
- Return prepared by
- WHITINGER & COMPANY LLC
Mission
STATE CHARTERED CREDIT UNION TO PROVIDE LOAN AND DEPOSIT SERVICES TO MEMBERS
Program accomplishments
- LOAN AND SHARE PRODUCTS TO CREDIT UNION MEMBERSExpenses $2,669,709
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
- 35-0932142
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 2019
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $57,288,500
- Income (IRS master file)
- $3,296,221
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $3,296,221 | $2,669,709 | $57,288,500 | IRS |
| 990 | December 2024 | $2,900,629 | $2,221,887 | $53,103,297 | IRS |
| 990 | December 2023 | $2,457,342 | $1,940,962 | $52,982,586 | XML |
| 990 | December 2022 | $1,985,113 | $1,600,921 | $53,743,752 | 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 35-0932142).
Questions about TLCU FINANCIAL
- What is the EIN of TLCU FINANCIAL?
- The employer identification number (EIN) of TLCU FINANCIAL is 35-0932142.
- Is TLCU FINANCIAL tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 2019.
- Are donations to TLCU FINANCIAL tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does TLCU FINANCIAL 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 TLCU FINANCIAL 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 TLCU FINANCIAL 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 TLCU FINANCIAL?
- The 990 for the year ended December 31, 2025 names CAROL SMITH.
- Who are the officers and directors of TLCU FINANCIAL?
- The 990 for the year ended December 31, 2025 lists 7 people; 2 received compensation from the organization, the highest $132,010 (KENDRA FLECKNER, PRESIDENT/CEO).
- How much revenue does TLCU FINANCIAL have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $3,296,221, expenses of $2,669,709 and total assets of $57,288,500 at year end.
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