Nonprofit · EIN 45-0240799
RAILWAY CREDIT UNION
Tax-exempt · MANDAN, ND 58554
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $11,832,077 | $10,142,667 | $1,689,410 | $199,360,797 | $174,574,528 | $24,786,269 |
| December 31, 2024 | 990 | $10,938,324 | $9,595,762 | $1,342,562 | $188,390,222 | $165,750,016 | $22,640,206 |
| December 31, 2023 | 990 | $8,449,194 | $7,396,096 | $1,053,098 | $174,508,590 | $153,699,103 | $20,809,487 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $0
- Investment income
- $2,086,194
- Net rental income
- $40,647
- Net gain from sales of assets
- $398,416
- Other revenue
- $9,745,883
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $884,137
- Other salaries and wages
- $1,550,897
- Salaries, compensation and benefits (total)
- $3,435,168
- Professional fundraising fees
- $0
- Legal fees
- $24,646
- Accounting fees
- $41,535
- Occupancy
- $283,841
- Travel
- $9,151
- Depreciation
- $299,090
Balance sheet and other
- Total assets, start of year
- $188,390,222
- Total assets, end of year
- $199,360,797
- Total liabilities, end of year
- $174,574,528
- Net assets, end of year
- $24,786,269
- Land, buildings and equipment
- $9,748,362
- Publicly traded securities
- $30,929,000
- Gross unrelated business income
- $7,650
- Gross receipts
- $12,291,498
- Employees
- 32
- Volunteers
- 12
- Year formed
- 1954
- State of legal domicile
- ND
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 |
|---|---|---|---|---|
| Paul J Brucker | President/CEO Officer | 45 | $276,779 | $77,949 |
| Chad Bartosh | Chief Lending Officer Officer | 45 | $192,076 | $61,463 |
| Derrick Hertz | Chief Financial Officer Officer | 45 | $170,166 | $62,287 |
| Heather Fleck | Chief Operations Officer Officer | 45 | $127,725 | $52,761 |
| Dustin Bitz | VP of Risk Management Highest-paid employee | 45 | $117,391 | $58,664 |
| Douglas M Erhart | Chairman Trustee or director | 5 | $0 | $0 |
| Jerry Suko | Vice Chairman Trustee or director | 1 | $0 | $0 |
| Laurie Swank | Board Member Trustee or director | 1 | $0 | $0 |
| James L Jensen | Board Member Trustee or director | 1 | $0 | $0 |
| Bruce Brucker | Secretary Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Paul J Brucker | President/CEO Officer | 45 | $357,200 | $86,009 |
| Heather Fleck | VP of Operations Officer | 45 | $147,403 | $54,376 |
| Chad Bartosh | Chief Lending Officer Officer | 45 | $143,818 | $51,656 |
| Derrick Hertz | Chief Financial Officer Officer | 45 | $128,628 | $53,329 |
| Dustin Bitz | VP of Asset Protection Highest-paid employee | 45 | $114,026 | $50,141 |
| Douglas M Erhart | Chairman Trustee or director | 5 | $0 | $0 |
| Jerry Suko | Vice Chairman Trustee or director | 1 | $0 | $0 |
| A E Fry | Secretary Trustee or director | 1 | $0 | $0 |
| James L Jensen | Board Member Trustee or director | 1 | $0 | $0 |
| Bruce Brucker | Board Member Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Paul J Brucker | President/CEO Officer | 45 | $248,594 | $72,708 |
| Chad Bartosh | Chief Lending Officer Officer | 45 | $168,799 | $50,705 |
| Derrick Hertz | Chief Financial Officer Officer | 45 | $142,348 | $51,983 |
| Heather Fleck | VP of Operations Officer | 45 | $108,957 | $45,857 |
| Douglas M Erhart | Chairman Trustee or director | 5 | $0 | $0 |
| Jerry Suko | Vice Chairman Trustee or director | 1 | $0 | $0 |
| A E Fry | Secretary Trustee or director | 1 | $0 | $0 |
| James L Jensen | Board Member Trustee or director | 1 | $0 | $0 |
| Bruce Brucker | Board Member Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1006 E MAIN ST, MANDAN, ND 58554-3762
- Principal officer (990 for 2025)
- Paul J Brucker, 1602 Santa Gertrudis Loop, Bismarck, ND 58503
- Signed the 990
- Derrick Hertz, Chief Financial Officer
- Phone
- (701) 667-9500
- Website
- www.railwaycu.com
Mission
Provide financial services to credit union members
Program accomplishments
- Provide financials services to credit union 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 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
- 45-0240799
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1972
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $199,360,797
- Income (IRS master file)
- $12,291,498
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $11,832,077 | $10,142,667 | $199,360,797 | IRS |
| 990 | December 2024 | $10,938,324 | $9,595,762 | $188,390,222 | IRS |
| 990 | December 2023 | $8,449,194 | $7,396,096 | $174,508,590 | XML |
| 990 | December 2022 | $6,627,392 | $4,972,208 | $162,148,039 | 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 45-0240799).
Questions about RAILWAY CREDIT UNION
- What is the EIN of RAILWAY CREDIT UNION?
- The employer identification number (EIN) of RAILWAY CREDIT UNION is 45-0240799.
- Is RAILWAY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1972.
- Are donations to RAILWAY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does RAILWAY 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 RAILWAY 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 RAILWAY 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 RAILWAY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Paul J Brucker.
- Who are the officers and directors of RAILWAY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 10 people; 5 received compensation from the organization, the highest $276,779 (Paul J Brucker, President/CEO).
- How much revenue does RAILWAY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $11,832,077, expenses of $10,142,667 and total assets of $199,360,797 at year end.
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