Nonprofit · EIN 36-6068452
VIBRANT CREDIT UNION
Tax-exempt · MOLINE, IL 61265
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $62,580,005 | $69,202,311 | -$6,622,306 | $1,104,791,586 | $1,045,957,287 | $58,834,299 |
| December 31, 2023 | 990 | $47,308,712 | $51,963,140 | -$4,654,428 | $1,054,150,884 | $988,955,075 | $65,195,809 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $57,093,628
- Investment income
- $4,261,768
- Net rental income
- $119,142
- Net gain from sales of assets
- -$1,812,783
- Net income from sales of inventory
- $1,105,467
- Other revenue
- $1,224,609
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,804,227
- Other salaries and wages
- $11,029,411
- Salaries, compensation and benefits (total)
- $16,041,419
- Professional fundraising fees
- $0
- Legal fees
- $471,541
- Accounting fees
- $425,756
- Occupancy
- $1,474,930
- Travel
- $77,245
- Depreciation
- $2,385,974
Balance sheet and other
- Total assets, start of year
- $1,054,150,884
- Total assets, end of year
- $1,104,791,586
- Total liabilities, end of year
- $1,045,957,287
- Net assets, end of year
- $58,834,299
- Land, buildings and equipment
- $34,770,367
- Gross unrelated business income
- $1,721,843
- Gross receipts
- $143,411,535
- Employees
- 231
- Volunteers
- 10
- Year formed
- 1935
- 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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MATTHEW MCCOMBS | PRESIDENT/CEO Officer | 40 | $510,965 | $58,289 |
| AMY HENDERSON | CHIEF LENDING OFFICER Key employee | 40 | $243,331 | $45,734 |
| MEGAN ANDERSON | CHIEF MARKETING OFFICER Key employee | 40 | $241,113 | $47,563 |
| MARSHA WOLFF | CHIEF OPERATING OFFICER Key employee | 40 | $221,802 | $43,761 |
| PETER NOHELTY | CHIEF TECHNOLOGY OFFICER Key employee | 40 | $199,475 | $21,216 |
| CALE VANGENDEREN | SVP LOAN PROGRAMS Highest-paid employee | 40 | $155,523 | $43,987 |
| TRISTA BEISE | SVP RISK, LEGAL, AND COMPLIANCE Highest-paid employee | 40 | $147,721 | $40,660 |
| JAMIE COLLIER | VP PAYMENT DEPOSIT Highest-paid employee | 40 | $153,890 | $33,185 |
| HOLLY DANIER | SVP MARKETING Highest-paid employee | 40 | $146,789 | $36,223 |
| TIFFANY HAEDT | EXECUTIVE OFFICER Highest-paid employee | 40 | $133,939 | $41,646 |
| KEVIN PETERSON | FORMER CFO (UNTIL 4/30/24) Officer | 40 | $78,352 | $16,513 |
| SUSIE ANN JOHNSON | FORMER CFO (UNTIL 11/12/24) Officer | 40 | $67,602 | $8,511 |
| MARK COOPER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KIMBERLY DAVISON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| NICK KREMER | CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
7 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| ANDRES PASANTES | DIRECTOR Trustee or director | 1 | $0 |
| MICHAEL PEASE | DIRECTOR Trustee or director | 1 | $0 |
| JAMES JIM ED POGUE | DIRECTOR Trustee or director | 1 | $0 |
| TIM SCARLETT | DIRECTOR Trustee or director | 1 | $0 |
| BOB SWIFT | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 |
| NICK TARPEIN | FORMER CHAIRMAN Trustee or director, Officer | 1 | $0 |
| JULIE VERHEECKE | SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 |
990 for the year ended December 31, 2023: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MATTHEW MCCOMBS | PRESIDENT/CEO Trustee or director, Officer | 40 | $634,716 | $52,494 |
| KEVIN PETERSON | CHIEF FINANCIAL OFFICER Officer | 40 | $272,771 | $51,082 |
| MEGAN ANDERSON | CHIEF REVENUE OFFICER Key employee | 40 | $235,796 | $44,044 |
| PETER NOHELTY | CHIEF TECHNOLOGY OFFICER Key employee | 40 | $229,166 | $23,930 |
| STEPHEN OWINGS | VP SOFTWARE DATA DEVELOPMENT Highest-paid employee | 40 | $169,861 | $50,743 |
| JENNIFER BOWE | SVP IT DEVELOPMENT Highest-paid employee | 40 | $190,052 | $19,455 |
| ASHLEE COOPER | SVP SALES & SERVICE Highest-paid employee | 40 | $173,034 | $34,241 |
| CALE VANGENDEREN | SVP LOAN PROGRAMS Highest-paid employee | 40 | $160,520 | $41,854 |
| TIFFANY HAEDT | EXECUTIVE OFFICER Highest-paid employee | 40 | $140,509 | $29,253 |
| TERRY BRAHM | FORMER DIRECTOR Trustee or director | 1 | $0 | $0 |
| MARK COOPER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| NICK KREMER | VICE CHAIRMAN Trustee or director | 1 | $0 | $0 |
| ANDRES PASANTES | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHAEL PEASE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JAMES JIM ED POGUE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TIM SCARLETT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BOB SWIFT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| NICK TARPEIN | CHAIRMAN Trustee or director | 1 | $0 | $0 |
| JULIE VERHEECKE | SECRETARY/TREASURER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 6600 44TH AVE, MOLINE, IL 61265-8127
- In care of
- %
- Principal officer (990 for 2024)
- MATTHEW MCCOMBS, 6600 44TH AVE, MOLINE, IL 61265
- Signed the 990
- MATTHEW MCCOMBS, PRESIDENT/CEO
- Phone
- (800) 323-5109
- Website
- WWW.VIBRANTCREDITUNION.ORG
- Return prepared by
- RSM US LLP
Mission
WORKING TOGETHER TO IMPROVE THE ECONOMIC WELL-BEING AND QUALITY OF LIFE FOR ALL MEMBERS THROUGH EXCELLENT SERVICE.
Program accomplishments
- PROVIDE CONSIDERABLE LOANS TO MEMBERS. TOTAL NUMBER OF CONSUMER AND MORTGAGE LOANS OUTSTANDING WAS 24,500.
- PROVIDED DEPOSITORY SERVICES TO APPROXIMATELY 60,200 MEMBERS.
- PROVIDED CREDIT CARD SERVICES TO APPROXIMATELY 12,500 ACCOUNTS.
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 | Not 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
- 36-6068452
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1936
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W61)
- Assets (IRS master file)
- $1,104,791,586
- Income (IRS master file)
- $143,411,535
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $62,580,005 | $69,202,311 | $1,104,791,586 | IRS |
| 990 | December 2023 | $47,308,712 | $51,963,140 | $1,054,150,884 | XML |
| 990 | December 2022 | $47,909,169 | $42,724,534 | $1,031,061,735 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | 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 36-6068452).
Questions about VIBRANT CREDIT UNION
- What is the EIN of VIBRANT CREDIT UNION?
- The employer identification number (EIN) of VIBRANT CREDIT UNION is 36-6068452.
- Is VIBRANT CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1936.
- Are donations to VIBRANT CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does VIBRANT 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 VIBRANT CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did VIBRANT CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of VIBRANT CREDIT UNION?
- The 990 for the year ended December 31, 2024 names MATTHEW MCCOMBS.
- Who are the officers and directors of VIBRANT CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 22 people; 12 received compensation from the organization, the highest $510,965 (MATTHEW MCCOMBS, PRESIDENT/CEO).
- How much revenue does VIBRANT CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $62,580,005, expenses of $69,202,311 and total assets of $1,104,791,586 at year end.
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