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Nonprofit · EIN 86-0098350

ARIZONA CENTRAL CREDIT UNION

Also known as 4 ARIZONA CENTRAL CREDIT UNION

Tax-exempt · PHOENIX, AZ 85004

Financials

$42.4M$40M2023$43.6M$45.2M2024
Revenue Expenses · by fiscal year end
Financials of ARIZONA CENTRAL CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2024990$43,632,320$45,182,786-$1,550,466$688,870,714$637,442,252$51,428,462
December 31, 2023990$42,410,181$39,967,276$2,442,905$743,178,597$690,633,575$52,545,022
Financial details: 990 for the year ended December 31, 2024

Revenue

Contributions, gifts and grants
$0
Program service revenue
$39,647,453
Investment income
-$1,135,149
Net gain from sales of assets
-$4,487,043
Other revenue
$5,120,016

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$928,122
Other salaries and wages
$12,694,973
Salaries, compensation and benefits (total)
$16,630,984
Professional fundraising fees
$0
Legal fees
$54,017
Accounting fees
$65,535
Occupancy
$1,339,807
Travel
$105,388
Depreciation
$1,035,166

Balance sheet and other

Total assets, start of year
$743,178,597
Total assets, end of year
$688,870,714
Total liabilities, end of year
$637,442,252
Net assets, end of year
$51,428,462
Land, buildings and equipment
$14,954,193
Publicly traded securities
$34,609,425
Gross unrelated business income
$15,828
Gross receipts
$50,424,582
Employees
209
Volunteers
5
Year formed
1939
State of legal domicile
AZ

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.

NameTitleHours / weekCompensationOther / benefits
GREGORY HARDENCEO
Officer
40$403,701$38,461
JANET MOODIESVP COO
Key employee
40$246,199$20,141
YVETTE CLAYVP CLO
Highest-paid employee
40$181,924$23,186
ANGELA SMITHVP CHIEF STRATEGIST
Highest-paid employee
40$171,598$19,718
PAUL BAUER IIIDIR. BUSINESS FINANCIAL SERVICES
Highest-paid employee
40$174,510$7,651
MARTIN JACOBSENAVP OF INFORMATION TECHNOLOGY
Highest-paid employee
40$150,430$27,270
LISA WILMOTDIRECTOR MORTGAGE LENDING
Highest-paid employee
40$153,747$20,106
MICHAEL NEILLVP CFO
Officer
40$129,830$12,390
MARK DENKECHAIRPERSON
Trustee or director
20$14,400$0
STEPHANIE MCQUILLANVICE CHAIRPERSON
Trustee or director
15$11,400$0
VERONICA PIOTROWSKITREASURER
Trustee or director
15$11,400$0
SANDRA WATTSSECRETARY
Trustee or director
15$11,400$0
BRIAN RACZYNSKIBOD MEMBER
Trustee or director
10$9,600$0
NICOLETTE LEMMONBOD MEMBER
Trustee or director
10$9,600$0
KYLE HALLSTORMBOD MEMBER
Trustee or director
10$9,600$0
990 for the year ended December 31, 2023: 16 people
NameTitleHours / weekCompensationOther / benefits
GREGORY HARDENCEO
Officer
40$395,653$36,886
JUSTIN WHITESIDESSVP CHIEF ADMINISTRATIVE O
Key employee
40$225,526$32,917
JANET MOODIESVP COO
Key employee
40$237,855$19,789
YVETTE CLAYVP CLO
Highest-paid employee
40$176,398$21,699
MICHAEL NEILLCFO, VP OF FINANCE & ACCOU
Officer
40$168,002$17,127
ANGELA SMITHVP CHIEF STRATEGIST
Highest-paid employee
40$161,626$19,574
MARTIN JACOBSENAVP OF INFORMATION TECHNOLOGY
Highest-paid employee
40$142,787$26,384
KATHERINE PLUHOWSKYVP FINANCIAL RESOLUTION
Highest-paid employee
40$149,772$19,298
PAUL BAUER IIIDIR. BUSINESS FINANCIAL SE
Highest-paid employee
40$152,867$1,086
MARK DENKECHAIRPERSON
Trustee or director
20$13,400$0
STEPHANIE MCQUILLANVICE CHAIRPERSON
Trustee or director
15$10,400$0
VERONICA PIOTROWSKITREASURER
Trustee or director
15$10,400$0
SANDRA WATTSSECRETARY
Trustee or director
15$10,400$0
BRIAN RACZYNSKIBOD MEMBER
Trustee or director
10$8,600$0
NICOLETTE LEMMONBOD MEMBER
Trustee or director
10$8,600$0
KYLE HALLSTORMBOD MEMBER
Trustee or director
10$8,600$0

Address and contacts

Address (IRS master file)
2020 N CENTRAL AVE STE 300, PHOENIX, AZ 85004-4597
In care of
% TODD PEARSON PRES CEO
Principal officer (990 for 2024)
BRIAN LEE, 2020 N CENTRAL AVENUE, PHOENIX, AZ 85004
Signed the 990
BRIAN LEE, CEO
Phone
(602) 264-6421
Return prepared by
DOEREN MAYHEW

Mission

CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES TO SERVE MEMBERS AND COMMUNITY.

990 for the year ended December 31, 2024

Program accomplishments

  • THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS THAT ARE BOTH PAPER (CHECK) AND ELECTRONICALLY (WEB, MOBILE, CARD SERVICES) BASED. IT ALSO PROVIDES SAVINGS AND CERTIFICATE OF DEPOSIT ACCOUNTS. IN ADDITION, IT PROVIDES CONSUMER LOANS AND BUSINESS LOANS OVER A PORTFOLIO OF PRODUCTS, ALL OF WHICH ARE FOR EXEMPT FUNCTION ACTIVITIES FOR ITS MEMBERS.
  • OUTGOING WIRE SERVICES
  • TRAINING

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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026Not on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
86-0098350
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1970
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$688,870,714
Income (IRS master file)
$50,424,582

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2024$43,632,320$45,182,786$688,870,714IRS
990December 2023$42,410,181$39,967,276$743,178,597XML
990December 2022$38,271,912$32,068,931$755,233,028IRS
990December 2021–––IRS
990December 2020–––IRS
990December 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 86-0098350).

Questions about ARIZONA CENTRAL CREDIT UNION

What is the EIN of ARIZONA CENTRAL CREDIT UNION?
The employer identification number (EIN) of ARIZONA CENTRAL CREDIT UNION is 86-0098350.
Is ARIZONA CENTRAL CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1970.
Are donations to ARIZONA CENTRAL CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does ARIZONA CENTRAL 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 ARIZONA CENTRAL 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 ARIZONA CENTRAL 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 ARIZONA CENTRAL CREDIT UNION?
The 990 for the year ended December 31, 2024 names BRIAN LEE.
Who are the officers and directors of ARIZONA CENTRAL CREDIT UNION?
The 990 for the year ended December 31, 2024 lists 15 people; 15 received compensation from the organization, the highest $403,701 (GREGORY HARDEN, CEO).
How much revenue does ARIZONA CENTRAL CREDIT UNION have?
On its 990 for the year ended December 31, 2024 it reported revenue of $43,632,320, expenses of $45,182,786 and total assets of $688,870,714 at year end.

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