Nonprofit · EIN 61-6034178
SERVICE ONE CREDIT UNION INC
Tax-exempt · BOWLING GREEN, KY 42102
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $19,005,715 | $17,065,521 | $1,940,194 | $265,149,925 | $240,715,251 | $24,434,674 |
| December 31, 2024 | 990 | $17,572,366 | $17,005,351 | $567,015 | $271,498,365 | $249,677,699 | $21,820,666 |
| December 31, 2023 | 990 | $16,308,398 | $15,868,290 | $440,108 | $274,632,565 | $253,426,300 | $21,206,265 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $810,000
- of which government grants
- $810,000
- Program service revenue
- $12,780,687
- Investment income
- $1,927,304
- Net gain from sales of assets
- $443,008
- Other revenue
- $3,487,724
Expenses
- Grants and similar amounts paid
- $193,934
- Compensation of officers, directors and key employees
- $911,567
- Other salaries and wages
- $3,116,641
- Salaries, compensation and benefits (total)
- $4,866,955
- Professional fundraising fees
- $0
- Legal fees
- $77,658
- Accounting fees
- $110,292
- Occupancy
- $590,075
- Travel
- $169,580
- Depreciation
- $625,329
Balance sheet and other
- Total assets, start of year
- $271,498,365
- Total assets, end of year
- $265,149,925
- Total liabilities, end of year
- $240,715,251
- Net assets, end of year
- $24,434,674
- Land, buildings and equipment
- $14,073,224
- Gross unrelated business income
- $10,365
- Gross receipts
- $19,276,327
- Employees
- 99
- Volunteers
- 11
- Year formed
- 1963
- State of legal domicile
- KY
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 |
|---|---|---|---|---|
| REBECCA STONE | CEO Officer | 40 | $702,330 | $13,415 |
| JUSTIN MORRIS | PRESIDENT/CHIEF EXECUTIVE OFFICER (EFF 9/2025) Officer | 40 | $172,808 | $13,003 |
| MICHELLE DYER | SVP/CHIEF PEOPLE AND STRATEGY OFFIC Officer | 40 | $121,779 | $14,964 |
| BRAD BROWN | SVP/CHIEF OPERATING OFFICE Officer | 40 | $123,757 | $12,817 |
| MATTHEW HUTCHESON | CHIEF FINANCIAL OFFICER Officer | 40 | $104,493 | $20,606 |
| NATHAN DALRYMPLE | VP PEOPLE AND COMPLIANCE (THRU 9/2025) Officer | 40 | $103,341 | $8,255 |
| CHRIS GEORGE | SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| JAMES MCCASLIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| HAROLD LITTLE | VICE-CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| RICHARD L MILLER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BROOKE JUSTICE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BRENDA WILLOUGHBY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| J PAT STEWART | CHAIR Trustee or director, Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| REBECCA STONE | CEO Officer | 40 | $189,585 | $94,221 |
| JUSTIN MORRIS | PRESIDENT/CHIEF STRATEGY OFFICER Officer | 40 | $147,509 | $12,549 |
| MICHELLE DYER | SVP/CHIEF EXPERIENCE OFFICER Officer | 40 | $118,638 | $11,500 |
| BRAD BROWN | SVP/CHIEF OPERATING OFFICER Officer | 40 | $106,779 | $12,268 |
| MATTHEW HUTCHESON | SVP/FINANCE Officer | 40 | $92,009 | $21,614 |
| NATHAN DALRYMPLE | VP PEOPLE AND COMPLIANCE Officer | 40 | $100,250 | $10,756 |
| ROB HERRINGTON | SVP/CHIEF TECHNOLOGY OFFICER (THRU 8/23/24) Officer | 40 | $96,759 | $8,497 |
| JEREME DICKENS | VP/TECHNOLOGY Officer | 40 | $70,089 | $28,964 |
| MARKUS FLOYD | SVP/CHIEF INNOVATION & CREDIT OFFICER (THRU 2/13) Officer | 40 | $38,404 | $3,822 |
| CHRIS GEORGE | SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| JAMES MCCASLIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| HAROLD LITTLE | VICE-CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| RICHARD L MILLER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BROOKE JUSTICE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BRENDA WILLOUGHBY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| J PAT STEWART | CHAIR Trustee or director, Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 13 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| REBECCA STONE | PRESIDENT AND CEO Officer | 40 | $182,012 | $96,135 |
| JUSTIN MORRIS | EVP CHIEF FINANCIAL OFFICE Officer | 40 | $133,975 | $14,771 |
| MARK FLOYD | VP CHIEF LENDING OFFICER Officer | 40 | $109,896 | $22,107 |
| MICHELLE DYER | SVP/CHIEF OPERATING OFFICE Officer | 40 | $118,649 | $13,097 |
| ROB HERRINGTON | SVP/CHIEF TECHNOLOGY OFFIC Officer | 40 | $115,428 | $14,171 |
| BRAD BROWN | VP ENTERPRISE RISK MGMT Officer | 40 | $92,905 | $13,226 |
| CHRIS GEORGE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JAMES MCCASLIN | CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| HAROLD LITTLE | SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| RICHARD L MILLER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BROOKE JUSTICE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BRENDA WILLOUGHBY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAT STEWART | VICE-CHAIR Trustee or director, Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 51770, BOWLING GREEN, KY 42102-6770
- In care of
- % STEPHEN CARRICO
- Principal officer (990 for 2025)
- JUSTIN MORRIS, PO BOX 185, BOWLING GREEN, KY 42102
- Signed the 990
- JUSTIN MORRIS, PRESIDENT
- Phone
- (800) 759-8500
- Website
- WWW.SOCU.COM
- Return prepared by
- DEMING MALONE LIVESAY & OSTROFF PSC
Mission
THE MISSION OF SERVICE ONE CREDIT UNION IS TO UNDERSTAND AND MEET OUR MEMBERS AND COMMUNITY'S NEEDS TO HELP THEM PROSPER.
Program accomplishments
- SERVICE ONE CREDIT UNION PROVIDES SAVINGS AND LENDING SERVICES AND PRODUCTS TO ITS FIELD OF MEMBERSHIP.
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
- 61-6034178
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1963
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $265,149,925
- Income (IRS master file)
- $19,276,327
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $19,005,715 | $17,065,521 | $265,149,925 | XML |
| 990 | December 2024 | $17,572,366 | $17,005,351 | $271,498,365 | IRS |
| 990 | December 2023 | $16,308,398 | $15,868,290 | $274,632,565 | XML |
| 990 | December 2022 | $12,679,775 | $11,618,397 | $282,394,544 | 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 61-6034178).
Questions about SERVICE ONE CREDIT UNION INC
- What is the EIN of SERVICE ONE CREDIT UNION INC?
- The employer identification number (EIN) of SERVICE ONE CREDIT UNION INC is 61-6034178.
- Is SERVICE ONE CREDIT UNION INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1963.
- Are donations to SERVICE ONE CREDIT UNION INC tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does SERVICE ONE CREDIT UNION INC 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 SERVICE ONE CREDIT UNION INC 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 SERVICE ONE CREDIT UNION INC 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 SERVICE ONE CREDIT UNION INC?
- The 990 for the year ended December 31, 2025 names JUSTIN MORRIS.
- Who are the officers and directors of SERVICE ONE CREDIT UNION INC?
- The 990 for the year ended December 31, 2025 lists 13 people; 6 received compensation from the organization, the highest $702,330 (REBECCA STONE, CEO).
- How much revenue does SERVICE ONE CREDIT UNION INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $19,005,715, expenses of $17,065,521 and total assets of $265,149,925 at year end.
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