Nonprofit · EIN 42-0670685
DUTRAC COMMUNITY CREDIT UNION
Tax-exempt · DUBUQUE, IA 52004
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $68,556,673 | $59,953,002 | $8,603,671 | $1,208,594,118 | $1,076,805,387 | $131,788,731 |
| December 31, 2024 | 990 | $62,472,471 | $58,553,473 | $3,918,998 | $1,178,840,167 | $1,060,897,346 | $117,942,821 |
| December 31, 2023 | 990 | $53,135,440 | $48,362,996 | $4,772,444 | $1,073,070,686 | $959,490,360 | $113,580,326 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $60,007,353
- Investment income
- $8,224,107
- Net gain from sales of assets
- $216,079
- Other revenue
- $325,213
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $3,016,951
- Other salaries and wages
- $9,373,713
- Salaries, compensation and benefits (total)
- $15,466,104
- Professional fundraising fees
- $0
- Legal fees
- $75,760
- Accounting fees
- $82,870
- Occupancy
- $2,653,862
- Travel
- $185,675
Balance sheet and other
- Total assets, start of year
- $1,178,840,167
- Total assets, end of year
- $1,208,594,118
- Total liabilities, end of year
- $1,076,805,387
- Net assets, end of year
- $131,788,731
- Land, buildings and equipment
- $22,009,971
- Publicly traded securities
- $212,661,799
- Gross unrelated business income
- $325,213
- Gross receipts
- $68,578,189
- Employees
- 214
- Volunteers
- 11
- Year formed
- 1942
- State of legal domicile
- IA
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 |
|---|---|---|---|---|
| ANDREW A HAWKINSON | PRESIDENTCEO Officer | 45 | $807,938 | $5,386 |
| MICHELLE A ARISS | SENIOR VP FINANCE Officer | 45 | $226,068 | $11,986 |
| RONALD J KINSELLA | SENIOR VP LENDING Officer | 45 | $209,762 | $8,719 |
| JULIE SOUCINEK | MORTGAGE LOAN MANAGER Key employee | 45 | $202,308 | $5,695 |
| ANDREW K LASSEN | SENIOR VP IT Officer | 45 | $192,490 | $13,511 |
| MEGAN E KELLEHER-EGAN | SVP HUMAN RESOURCES Officer | 45 | $184,357 | $11,999 |
| LEE M HOERNER | SVP MEMBER SERVICE Officer | 45 | $177,185 | $12,311 |
| TRAVIS PHELAN | COMMERCIAL LENDER Key employee | 45 | $163,439 | $11,208 |
| JEFFREY WALLER | COMMERCIAL LENDING MGR Key employee | 45 | $155,634 | $1,000 |
| KIM M ADAMS | SENIOR VP OPERATIONS Officer | 45 | $145,883 | $5,695 |
| DENNIS NARANJO | COMMERCIAL LENDER Highest-paid employee | 45 | $143,537 | $1,946 |
| JASON R BAUER | Regional Manager Highest-paid employee | 45 | $113,348 | $143 |
| LAURA A JOHNSON | Consumer Lend Ops Mgr Highest-paid employee | 45 | $101,249 | $366 |
| KEVIN R MUELLER | DIRECTOR Trustee or director | 2 | $6,093 | $0 |
| JOHN P VAIL | DIRECTOR Trustee or director | 2 | $4,823 | $0 |
9 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| TERI ZUCCARO | Vice Chair Person Trustee or director | 2 | $4,823 |
| CHAD M KRUSE | Director Trustee or director | 2 | $4,816 |
| HARLEN T PEDRETTI | Secretary Trustee or director | 2 | $2,361 |
| DANIEL J DEUTMEYER | CHAIR PERSON Trustee or director | 4 | $897 |
| DAVID W EGGERS | DIRECTOR Trustee or director | 2 | $714 |
| CRENNA M BRUMWELL | Treasurer Trustee or director | 2 | $0 |
| SCOTT J NEYENS | DIRECTOR Trustee or director | 2 | $0 |
| NICHOLAS J SPECHT | Director Trustee or director | 2 | $0 |
| MICHAEL T READY | DIRECTOR Trustee or director | 2 | $0 |
990 for the year ended December 31, 2024: 23 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ANDREW A HAWKINSON | PRESIDENTCEO Officer | 45 | $656,368 | $5,716 |
| MICHELLE A ARISS | SENIOR VP FINANCE Officer | 45 | $188,948 | $86,666 |
| KIM M ADAMS | SENIOR VP OPERATIONS Officer | 45 | $139,275 | $55,763 |
| RONALD J KINSELLA | SENIOR VP LENDING Officer | 45 | $186,450 | $6,974 |
| ANDREW K LASSEN | SENIOR VP IT Officer | 45 | $179,178 | $9,755 |
| JULIE SOUCINEK | MORTGAGE LOAN MANAGER Key employee | 45 | $174,204 | $5,809 |
| LEE M HOERNER | SVP MEMBER SERVICE Officer | 45 | $169,624 | $10,153 |
| MEGAN E KELLEHER-EGAN | SVP HUMAN RESOURCES Officer | 45 | $157,032 | $11,715 |
| TRAVIS PHELAN | COMMERCIAL LENDER Highest-paid employee | 45 | $142,643 | $10,626 |
| JEFFREY WALLER | COMMERCIAL LENDING MGR Key employee | 45 | $149,194 | $1,000 |
| DENNIS NARANJO | COMMERCIAL LENDER Highest-paid employee | 45 | $132,973 | $1,930 |
| JASON A NORTON | SVP MARKETING Former | 0 | $100,481 | $1,593 |
| HARLEN T PEDRETTI | DIRECTOR Trustee or director | 2 | $2,717 | $0 |
| DANIEL J DEUTMEYER | SECRETARY Trustee or director | 2 | $1,584 | $0 |
| CRENNA M BRUMWELL | DIRECTOR Trustee or director | 2 | $1,424 | $0 |
| CHAD M KRUSE | VICECHAIRPERSON Trustee or director | 2 | $988 | $0 |
| SCOTT J NEYENS | DIRECTOR Trustee or director | 2 | $810 | $0 |
| JOHN P VAIL | DIRECTOR Trustee or director | 2 | $799 | $0 |
| KEVIN R MUELLER | TREASURER Trustee or director | 4 | $760 | $0 |
| DAVID W EGGERS | DIRECTOR Trustee or director | 2 | $0 | $0 |
| NICHOLAS J SPECHT | CHAIRPERSON Trustee or director | 0 | $0 | $0 |
| MICHAEL T READY | DIRECTOR Trustee or director | 2 | $0 | $0 |
| TERI ZUCCARO | Treasurer Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 25 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| ANDREW A HAWKINSON | PRESIDENTCEO Officer | 45 | $560,419 |
| JASON A NORTON | SVP MARKETING Officer | 45 | $200,638 |
| MICHELLE A ARISS | SENIOR VP FINANCE Officer | 45 | $199,445 |
| ANDREW K LASSEN | SENIOR VP IT Officer | 45 | $195,068 |
| RONALD J KINSELLA | SENIOR VP LENDING Officer | 45 | $191,475 |
| LEE M HOERNER | SVP MEMBER SERVICE Officer | 45 | $181,760 |
| MEGAN E KELLEHER-EGAN | SVP HUMAN RESOURCES Officer | 45 | $149,727 |
| JEFFREY WALLER | COMMERCIAL LENDING MGR Key employee | 45 | $144,854 |
| JULIE SOUCINEK | MORTGAGE LOAN MANAGER Key employee | 45 | $143,130 |
| KIM M ADAMS | SENIOR VP OPERATIONS Officer | 45 | $132,636 |
| DENNIS NARANJO | COMMERCIAL LENDER Highest-paid employee | 45 | $126,335 |
| TRAVIS PHELAN | COMMERCIAL LENDER Highest-paid employee | 45 | $125,720 |
| DEBRA A REIFF | CONTROLLER Highest-paid employee | 45 | $105,791 |
| JASON R BAUER | REGIONAL MANAGER SOUTH Highest-paid employee | 45 | $103,070 |
| JEFF A KOELKER | IT SECURITYNETWORK MG Highest-paid employee | 45 | $101,680 |
| JOHN P VAIL | DIRECTOR Trustee or director | 2 | $4,314 |
| DANIEL J DEUTMEYER | SECRETARY Trustee or director | 2 | $4,277 |
| KEVIN R MUELLER | TREASURER Trustee or director | 2 | $1,174 |
| CHAD M KRUSE | VICECHAIRPERSON Trustee or director | 2 | $1,168 |
| DAVID W EGGERS | DIRECTOR Trustee or director | 2 | $0 |
| CRENNA M BRUMWELL | DIRECTOR Trustee or director | 2 | $0 |
| SCOTT J NEYENS | DIRECTOR Trustee or director | 2 | $0 |
| HARLEN T PEDRETTI | DIRECTOR Trustee or director | – | $0 |
| NICHOLAS J SPECHT | CHAIRPERSON Trustee or director | 4 | $0 |
| MICHAEL T READY | DIRECTOR Trustee or director | 2 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 3250, DUBUQUE, IA 52004-3250
- In care of
- % CHRISTOPHER J WHITT
- Principal officer (990 for 2025)
- Andrew A Hawkinson, 3465 ASBURY RD, DUBUQUE, IA 520043250
- Signed the 990
- CHRISTOPHER J WHITT, Controller
- Phone
- (563) 582-1331
- Website
- www.dutrac.org
Mission
PROMOTING THRIFT AMONG MEMBERS
Program accomplishments
- Granting affordable loans, promoting savings & thrift among 53,305 membersExpenses $59,953,002 · revenue $68,556,673
- See 4a
- See 4a
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
- 42-0670685
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 2007
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W61)
- Assets (IRS master file)
- $1,208,594,118
- Income (IRS master file)
- $68,578,189
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $68,556,673 | $59,953,002 | $1,208,594,118 | IRS |
| 990 | December 2024 | $62,472,471 | $58,553,473 | $1,178,840,167 | IRS |
| 990 | December 2023 | $53,135,440 | $48,362,996 | $1,073,070,686 | XML |
| 990 | December 2022 | $40,004,352 | $33,177,561 | $1,044,586,172 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | 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 42-0670685).
Questions about DUTRAC COMMUNITY CREDIT UNION
- What is the EIN of DUTRAC COMMUNITY CREDIT UNION?
- The employer identification number (EIN) of DUTRAC COMMUNITY CREDIT UNION is 42-0670685.
- Is DUTRAC COMMUNITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 2007.
- Are donations to DUTRAC COMMUNITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does DUTRAC COMMUNITY 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 DUTRAC COMMUNITY 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 DUTRAC COMMUNITY 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 DUTRAC COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Andrew A Hawkinson.
- Who are the officers and directors of DUTRAC COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 24 people; 20 received compensation from the organization, the highest $807,938 (ANDREW A HAWKINSON, PRESIDENTCEO).
- How much revenue does DUTRAC COMMUNITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $68,556,673, expenses of $59,953,002 and total assets of $1,208,594,118 at year end.
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