Nonprofit · EIN 36-6006909
NUMARK CREDIT UNION
Tax-exempt · JOLIET, IL 60436
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $61,360,817 | $55,401,558 | $5,959,259 | $884,714,514 | $791,555,676 | $93,158,838 |
| December 31, 2024 | 990 | $53,554,643 | $46,964,464 | $6,590,179 | $850,364,152 | $764,286,061 | $86,078,091 |
| December 31, 2023 | 990 | $46,732,952 | $41,485,307 | $5,247,645 | $765,603,358 | $685,583,087 | $80,020,271 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $54,286,544
- Investment income
- $7,074,273
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $2,437,412
- Other salaries and wages
- $10,357,616
- Salaries, compensation and benefits (total)
- $18,222,406
- Professional fundraising fees
- $0
- Legal fees
- $503,834
- Accounting fees
- $174,000
- Occupancy
- $1,776,904
- Travel
- $177,586
- Depreciation
- $1,126,525
Balance sheet and other
- Total assets, start of year
- $850,364,152
- Total assets, end of year
- $884,714,514
- Total liabilities, end of year
- $791,555,676
- Net assets, end of year
- $93,158,838
- Land, buildings and equipment
- $13,670,267
- Gross receipts
- $61,360,817
- Employees
- 222
- Volunteers
- 10
- Year formed
- 1954
- 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.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MICHELLE BALOG | PRESIDENT/CEO Officer | 40 | $368,521 | $41,178 |
| LLOYD FREDENDALL | FORMER PRESIDENT AND CEO Former | 40 | $232,701 | $120,005 |
| KEVIN QUINN | CIO Key employee | 40 | $225,019 | $64,510 |
| STEVE CLARK | CLO Officer | 40 | $226,648 | $57,792 |
| DEBBIE REED | CFO Officer | 40 | $214,642 | $37,944 |
| BERNARD NIEWOEHNER | EVP Officer | 40 | $219,014 | $26,803 |
| JESSICA MELLEN | CXO Key employee | 40 | $208,613 | $25,709 |
| SUSAN PFEIFFER | SR MORTGAGE LOAN ORIGINATO Key employee | 40 | $195,580 | $35,293 |
| HARRY STEWART | VP OF MORTGAGE LENDING Key employee | 40 | $198,754 | $30,614 |
| MARK GOVEDNIK | SR VP COMMERCIAL AND AG LENDING Key employee | 40 | $181,857 | $31,282 |
| LAURIE VEASY | VP OF LENDING Key employee | 40 | $180,012 | $17,032 |
| WALLY CHLIPALA | DIRECTOR Trustee or director | 4 | $0 | $0 |
| DAVE HARRIS | DIRECTOR Trustee or director | 4 | $0 | $0 |
| CLIFFORD STRUTHERS | CHAIRPERSON Trustee or director | 4 | $0 | $0 |
| RAYMOND EICH | SECRETARY Trustee or director | 4 | $0 | $0 |
6 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| STEVEN MAGRUDER | DIRECTOR Trustee or director | 4 | $0 |
| JIM BROZ | TREASURER Trustee or director | 4 | $0 |
| GEORGE FIEGLE | DIRECTOR Trustee or director | 4 | $0 |
| DENNIS HUGHES | DIRECTOR Trustee or director | 4 | $0 |
| JOE JOSEPH | VICE CHAIRPERSON Trustee or director | 4 | $0 |
| GREG ZILINSKY | DIRECTOR Trustee or director | 4 | $0 |
990 for the year ended December 31, 2024: 20 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LLOYD FREDENDALL | PRESIDENT/CEO Officer | 40 | $393,074 | $73,353 |
| MICHELLE BALOG | EVP Officer | 40 | $297,841 | $41,496 |
| BERNARD NIEWOEHNER | EVP Officer | 40 | $228,106 | $28,774 |
| STEVE CLARK | CLO Officer | 40 | $209,616 | $46,503 |
| KEVIN QUINN | CIO Key employee | 40 | $194,063 | $49,536 |
| DEBBIE REED | CFO Officer | 40 | $199,106 | $32,389 |
| SUSAN PFEIFFER | SR MORTGAGE LOAN ORIGINATOR Key employee | 40 | $185,617 | $39,196 |
| HARRY STEWART | VP OF MORTGAGE LENDING Key employee | 40 | $170,837 | $36,379 |
| JESSICA MELLEN | CXO Key employee | 40 | $170,645 | $27,176 |
| LAURIE VEASY | VP OF LENDING Key employee | 40 | $169,577 | $25,683 |
| WALLY CHLIPALA | DIRECTOR Trustee or director | 4 | $0 | $0 |
| DAVE HARRIS | DIRECTOR Trustee or director | 4 | $0 | $0 |
| CLIFFORD STRUTHERS | CHAIRPERSON Trustee or director | 4 | $0 | $0 |
| RAYMOND EICH | SECRETARY Trustee or director | 4 | $0 | $0 |
| STEVEN MAGRUDER | DIRECTOR Trustee or director | 4 | $0 | $0 |
| JIM BROZ | TREASURER Trustee or director | 4 | $0 | $0 |
| GEORGE FIEGLE | DIRECTOR Trustee or director | 4 | $0 | $0 |
| DENNIS HUGHES | DIRECTOR Trustee or director | 4 | $0 | $0 |
| JOE JOSEPH | VICE CHAIRPERSON Trustee or director | 4 | $0 | $0 |
| GREG ZILINSKY | DIRECTOR Trustee or director | 4 | $0 | $0 |
990 for the year ended December 31, 2023: 15 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LLOYD FREDENDALL | PRESIDENT/CEO Officer | 40 | $401,078 | $69,394 |
| MICHELLE BALOG | EVP Officer | 40 | $293,039 | $38,480 |
| BERNARD NIEWOEHNER | EVP Officer | 40 | $224,277 | $29,738 |
| STEVE CLARK | CLO Officer | 40 | $200,341 | $53,299 |
| DEBBIE REED | CFO Officer | 40 | $192,417 | $34,485 |
| WALLY CHLIPALA | DIRECTOR Trustee or director | 4 | $0 | $0 |
| DAVE HARRIS | DIRECTOR Trustee or director | 4 | $0 | $0 |
| CLIFFORD STRUTHERS | CHAIRPERSON Trustee or director | 4 | $0 | $0 |
| RAYMOND EICH | SECRETARY Trustee or director | 4 | $0 | $0 |
| STEVEN MAGRUDER | DIRECTOR Trustee or director | 4 | $0 | $0 |
| JIM BROZ | TREASURER Trustee or director | 4 | $0 | $0 |
| GEORGE FIEGLE | DIRECTOR Trustee or director | 4 | $0 | $0 |
| DENNIS HUGHES | DIRECTOR Trustee or director | 4 | $0 | $0 |
| JOE JOSEPH | VICE CHAIRPERSON Trustee or director | 4 | $0 | $0 |
| GREG ZILINSKY | DIRECTOR Trustee or director | 4 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1654 TERRY DR, JOLIET, IL 60436-9539
- Principal officer (990 for 2025)
- MICHELLE BALOG, PO BOX 2729, JOLIET, IL 604342729
- Signed the 990
- MICHELLE BALOG, PRESIDENT & CEO
- Phone
- (815) 729-3211
- Website
- WWW.NUMARKCU.ORG
- Return prepared by
- SELDEN FOX LTD
Mission
THE CREDIT UNION OPERATES TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A REASONABLE RATE OF INTEREST, AND TO PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS
Program accomplishments
- LOANS (REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER) ARE PROVIDED TO MEMBERS. THE NUMBER OF LOANS OUTSTANDING AT 12/31/25 WAS 69,358.
- DEPOSIT/SHARE ACCOUNTS (SAVINGS, CHECKING, CERTIFICATES AND OTHER) THE NUMBER OF DEPOSIT/SHARE ACCOUNTS OUTSTANDING AT 12/31/25 WAS 120,794.
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
- 36-6006909
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1954
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W61)
- Assets (IRS master file)
- $884,714,514
- Income (IRS master file)
- $61,360,817
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $61,360,817 | $55,401,558 | $884,714,514 | XML |
| 990 | December 2024 | $53,554,643 | $46,964,464 | $850,364,152 | XML |
| 990 | December 2023 | $46,732,952 | $41,485,307 | $765,603,358 | XML |
| 990 | December 2022 | $34,998,113 | $28,421,361 | $632,867,076 | 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 36-6006909).
Questions about NUMARK CREDIT UNION
- What is the EIN of NUMARK CREDIT UNION?
- The employer identification number (EIN) of NUMARK CREDIT UNION is 36-6006909.
- Is NUMARK CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1954.
- Are donations to NUMARK CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does NUMARK 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 NUMARK 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 NUMARK 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 NUMARK CREDIT UNION?
- The 990 for the year ended December 31, 2025 names MICHELLE BALOG.
- Who are the officers and directors of NUMARK CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 21 people; 11 received compensation from the organization, the highest $368,521 (MICHELLE BALOG, PRESIDENT/CEO).
- How much revenue does NUMARK CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $61,360,817, expenses of $55,401,558 and total assets of $884,714,514 at year end.
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