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Nonprofit · EIN 36-2499724

DUPAGE CREDIT UNION

Tax-exempt · NAPERVILLE, IL 60563

Financials

$36.6M$34.8M2023$37.9M$32.4M2024$40.1M$34.3M2025
Revenue Expenses · by fiscal year end
Financials of DUPAGE CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$40,059,385$34,348,067$5,711,318$581,069,288$530,517,624$50,551,664
December 31, 2024990$37,877,320$32,395,568$5,481,752$565,310,502$522,313,923$42,996,579
December 31, 2023990$36,582,920$34,756,818$1,826,102$578,226,107$541,029,491$37,196,616
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$35,382,783
Investment income
$4,671,302
Net rental income
$5,300
Net gain from sales of assets
$160,225
Other revenue
$5,300

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$2,899,229
Other salaries and wages
$8,060,199
Salaries, compensation and benefits (total)
$14,066,562
Professional fundraising fees
$0
Legal fees
$76,370
Accounting fees
$75,893
Occupancy
$691,166
Travel
$65,966
Depreciation
$1,143,645

Balance sheet and other

Total assets, start of year
$565,310,502
Total assets, end of year
$581,069,288
Total liabilities, end of year
$530,517,624
Net assets, end of year
$50,551,664
Land, buildings and equipment
$8,038,289
Publicly traded securities
$50,513,510
Gross receipts
$40,151,064
Employees
164
Volunteers
12
Year formed
1956
State of legal domicile
IL

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.

NameTitleHours / weekCompensationOther / benefits
Roberta KozlowiczPresident/CEO
Officer
40$533,955$45,438
Amy BrandtChief Experience Officer
Officer
40$299,240$42,307
Ryan FisherChief Financial Officer
Officer
40$288,359$36,927
Jason DeGarmoChief Lending Officer
Officer
40$267,138$46,053
Frank SpositoChief Information Officer
Officer
40$280,246$19,741
James ChylloAVP of Retail & Compliance
Key employee
40$185,119$43,123
Diana HughesController
Highest-paid employee
40$206,277$17,251
Rachelle MulconreyAVP of Technology
Key employee
40$202,659$13,718
Michael BorosakSenior Systems and Network Administrator
Highest-paid employee
40$165,133$17,306
Ashlee KlineAVP Marketing
Highest-paid employee
40$163,504$9,941
Alex HeilDirector Marketing
Highest-paid employee
40$155,760$16,164
Helen RompaSenior Residential Lending Underwriter
Highest-paid employee
40$151,838$4,812
Debra RagusaChairman of the Board
Trustee or director
5$0$0
Kaitlin PlucinskiVice Chairman of the Board
Trustee or director
5$0$0
Michael DzuganBoard Secretary
Trustee or director
5$0$0
4 more people on this return
NameTitleHours / weekCompensation
Dennis AndreBoard Member
Trustee or director
5$0
Gary SaakeBoard Member
Trustee or director
5$0
Bryan JonesBoard Treasurer
Trustee or director
5$0
William ShieldsBoard Member
Trustee or director
5$0
990 for the year ended December 31, 2024: 20 people
NameTitleHours / weekCompensationOther / benefits
Diane SheltonPresident/CEO (Retired)
Officer
50$448,240$33,275
Roberta KozlowiczPresident/CEO
Officer
50$329,699$4,625
Frank SpositoChief Information Officer
Officer
50$232,852$2,521
Ryan FisherChief Financial Officer
Officer
50$210,889$514
Amy BrandtChief Experience Officer
Officer
50$197,935$12,398
James ChylloAVP of Retail & Compliance
Key employee
50$138,498$26,530
Rachelle MulconreyAVP of Technology
Key employee
50$164,373$0
Diana HughesController
Highest-paid employee
50$119,005$4,716
Karis HarlanDirector Real Estate Lending
Highest-paid employee
50$117,976$4,550
Alex HeilDirector Marketing
Highest-paid employee
50$115,367$1,716
Renee Odierno-KronenbitterDirector HR
Highest-paid employee
50$105,489$2,500
Jennifer ModiestDirector of Payments
Highest-paid employee
50$101,722$4,716
Jason DeGarmoChief Lending Officer
Officer
50$43,846$0
Debra RagusaChairman of the Board
Trustee or director
5$0$0
Kaitlin PlucinskiVice Chairman of the Board
Trustee or director
5$0$0
Michael DzuganBoard Secretary
Trustee or director
5$0$0
Dennis AndreBoard Member
Trustee or director
5$0$0
Gary SaakeBoard Member
Trustee or director
5$0$0
Robert O'KellyBoard Member
Trustee or director
5$0$0
Bryan JonesBoard Treasurer
Trustee or director
5$0$0
990 for the year ended December 31, 2023: 18 people
NameTitleHours / weekCompensationOther / benefits
Diane SheltonPresident/CEO
Officer
50$458,650$28,644
Roberta KozlowiczExecutive Vice President/CSO
Officer
50$334,720$19,418
Frank SpositoChief Information Officer
Officer
50$248,452$1,500
Amy BrandtSenior Vice President
Key employee
50$213,324$21,575
Susanne WelshSenior Vice President
Key employee
50$215,967$11,950
John DumasChief Financial Officer
Officer
50$169,616$11,421
James ChylloAVP of Retail & Compliance
Key employee
50$144,461$30,094
Rachelle MulconreyDirector of Technology
Key employee
50$172,551$0
Diana HughesController
Key employee
50$120,099$12,704
Alex HeilDirector Marketing
Highest-paid employee
50$129,090$588
Jennifer ModestDirector of Payments
Highest-paid employee
50$112,645$13,950
Debra RagusaChairman of the Board
Trustee or director
5$0$0
Kaitlin PlucinskiVice Chairman of the Board
Trustee or director
5$0$0
Michael DzuganBoard Secretary
Trustee or director
5$0$0
Dennis AndreBoard Member
Trustee or director
5$0$0
Gary SaakeBoard Member
Trustee or director
5$0$0
Robert O'KellyBoard Member
Trustee or director
5$0$0
Bryan JonesBoard Treasurer
Trustee or director
5$0$0

Address and contacts

Address (IRS master file)
1515 BOND ST, NAPERVILLE, IL 60563-0112
In care of
% PRESIDENT
Principal officer (990 for 2025)
Roberta Kozlowicz, 1515 Bond Street, Naperville, IL 60567
Signed the 990
Ryan Fisher, CFO
Phone
(630) 428-3440

Mission

AS A COOPERATIVE, WE OFFER FINANCIAL PRODUCTS AND SERVICES TO ENHANCE THE ECONOMIC WELL-BEING OF OUR MEMBERS NOW AND INTO THE FUTURE.

990 for the year ended December 31, 2025

Program accomplishments

  • Provided checking accounts to over 16,000 members.
  • Provided first and second mortgage loans to over 5,000 members.
  • Received deposits on savings from over 43,000 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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
36-2499724
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1956
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$581,069,288
Income (IRS master file)
$40,151,064

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$40,059,385$34,348,067$581,069,288IRS
990December 2024$37,877,320$32,395,568$565,310,502IRS
990December 2023$36,582,920$34,756,818$578,226,107XML
990December 2022$30,736,632$28,120,364$581,714,800IRS
990December 2021–––IRS
990December 2020–––IRS
990December 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 36-2499724).

Questions about DUPAGE CREDIT UNION

What is the EIN of DUPAGE CREDIT UNION?
The employer identification number (EIN) of DUPAGE CREDIT UNION is 36-2499724.
Is DUPAGE CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1956.
Are donations to DUPAGE CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does DUPAGE 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 DUPAGE 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 DUPAGE 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 DUPAGE CREDIT UNION?
The 990 for the year ended December 31, 2025 names Roberta Kozlowicz.
Who are the officers and directors of DUPAGE CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 19 people; 12 received compensation from the organization, the highest $533,955 (Roberta Kozlowicz, President/CEO).
How much revenue does DUPAGE CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $40,059,385, expenses of $34,348,067 and total assets of $581,069,288 at year end.

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