Nonprofit · EIN 86-0108241
CREDIT UNIONS IN STATE OF ARIZONA
Also known as CREDIT UNION WEST
Tax-exempt · GLENDALE, AZ 85307
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $103,382,982 | $91,965,895 | $11,417,087 | $1,417,150,679 | $1,274,536,722 | $142,613,957 |
| December 31, 2024 | 990 | $93,524,656 | $81,317,971 | $12,206,685 | $1,299,512,297 | $1,171,816,104 | $127,696,193 |
| December 31, 2023 | 990 | $73,825,794 | $60,343,158 | $13,482,636 | $1,206,329,192 | $1,090,583,497 | $115,745,695 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $96,240,719
- Investment income
- $6,763,023
- Net rental income
- $379,240
- Net gain from sales of assets
- $72,275
- Other revenue
- $379,240
Expenses
- Grants and similar amounts paid
- $232,000
- Compensation of officers, directors and key employees
- $4,425,293
- Other salaries and wages
- $17,369,059
- Salaries, compensation and benefits (total)
- $27,096,815
- Professional fundraising fees
- $0
- Legal fees
- $243,134
- Accounting fees
- $366,559
- Occupancy
- $1,044,311
- Travel
- $340,865
- Depreciation
- $1,903,435
Balance sheet and other
- Total assets, start of year
- $1,299,512,297
- Total assets, end of year
- $1,417,150,679
- Total liabilities, end of year
- $1,274,536,722
- Net assets, end of year
- $142,613,957
- Land, buildings and equipment
- $30,355,883
- Publicly traded securities
- $108,211,115
- Gross unrelated business income
- $287,538
- Gross receipts
- $112,797,986
- Employees
- 332
- Volunteers
- 17
- Year formed
- 1951
- 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, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ROCH KAREN | CEO/PRESIDENT Officer | 40 | $820,805 | $46,300 |
| DUONG NING | EVP-COO Officer | 40 | $478,287 | $38,000 |
| BIRR ROBERT | VP-CHIEF LENDING OFFICER Officer | 40 | $350,047 | $100,323 |
| POLDOSKI KELLY | CHIEF FINANCIAL OFFICER Officer | 40 | $393,954 | $39,963 |
| CHRISTENSEN BEN D | CHIEF INFORMATION OFFICER Officer | 40 | $337,058 | $32,264 |
| O'CONNOR RYAN SEAN | VP- MARKETING & COMMUNICAT Key employee | 40 | $267,269 | $39,622 |
| GREEN DANIELLE | VP- RETAIL DELIVERY Key employee | 40 | $243,722 | $45,602 |
| CRUZ DIANA | VP- LOSS PREVENTION Key employee | 40 | $229,104 | $51,575 |
| BURT JAIME | VP- ADMINISTRATION Key employee | 40 | $242,645 | $37,976 |
| BAKER SETH R | VP-IT Key employee | 40 | $231,549 | $40,074 |
| RUIZ MANNY | VP- BUSINESS SERVICES Key employee | 40 | $217,437 | $31,717 |
| WADE ROBERT | INVESTMENT ADVISOR Highest-paid employee | 40 | $193,669 | $29,403 |
| FIELDSON NICHOLAS | INVESTMENT ADVISOR Highest-paid employee | 40 | $191,227 | $18,918 |
| BLOSS JODY | DIRECTOR- CONSUMER LENDING Highest-paid employee | 40 | $185,616 | $18,654 |
| MACK JOSHUA LYLE | INFORMATION SYSTEMS MANAGER Highest-paid employee | 40 | $175,985 | $20,999 |
9 more people on this return
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BLAYLOCK TRICIA | DIRECTOR- ENTERPRISE RISK Highest-paid employee | 40 | $167,441 | $14,719 |
| LARBERG GARY | CHAIRPERSON Trustee or director | 1 | $20,000 | $0 |
| JACKSON DON | V. CHAIRPERSON Trustee or director | 1 | $15,000 | $0 |
| GENDREAU LUIS | DIRECTOR Trustee or director | 1 | $12,500 | $0 |
| HOBSON CAROL | DIRECTOR Trustee or director | 1 | $12,500 | $0 |
| LAGUNA FRANCES | DIRECTOR Trustee or director | 1 | $12,500 | $0 |
| OLIVER SR JERRY | DIRECTOR Trustee or director | 1 | $12,500 | $0 |
| TYUS WANDA | DIRECTOR Trustee or director | 1 | $12,500 | $0 |
| FORD JONATHON | DIRECTOR Trustee or director | 1 | $12,500 | $0 |
990 for the year ended December 31, 2024: 25 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ROCH KAREN | CEO/PRESIDENT Officer | 40 | $1,033,439 | $45,775 |
| DUONG NING | EVP-COO Officer | 40 | $438,202 | $68,196 |
| BIRR ROBERT | VP-CHIEF LENDING OFFICER Officer | 40 | $327,999 | $97,494 |
| POLDOSKI KELLY | CHIEF FINANCIAL OFFICER Officer | 40 | $316,176 | $57,100 |
| O'CONNOR RYAN SEAN | VP- MARKETING & COMMUNICATIONS Key employee | 40 | $256,588 | $42,652 |
| CRUZ DIANA | VP- LOSS PREVENTION Key employee | 40 | $234,534 | $48,261 |
| CHRISTENSEN BEN D | CHIEF INFORMATION OFFICER Officer | 40 | $271,424 | $10,641 |
| GREEN DANIELLE | VP- RETAIL DELIVERY Key employee | 40 | $226,192 | $43,224 |
| BAKER SETH R | VP-IT Key employee | 40 | $220,993 | $41,847 |
| BROWN CHERYL | CHIEF PEOPLE OFFICER Officer | 40 | $223,428 | $28,228 |
| BURT JAIME | VP- ADMINISTRATION Key employee | 40 | $205,113 | $42,046 |
| RUIZ MANNY | VP- BUSINESS SERVICES Key employee | 40 | $189,704 | $35,093 |
| WADE ROBERT | INVESTMENT ADVISOR Highest-paid employee | 40 | $189,986 | $27,110 |
| FIELDSON NICHOLAS | INVESTMENT ADVISOR Highest-paid employee | 40 | $190,129 | $18,423 |
| BLOSS JODY | DIRECTOR- CONSUMER LENDING Highest-paid employee | 40 | $180,032 | $17,648 |
| BELL KIONA | DIRECTOR- DIGITAL DELIVERY Highest-paid employee | 40 | $164,363 | $20,184 |
| BLAYLOCK TRICIA | DIRECTOR- ENTERPRISE RISK MANAGEMENT Highest-paid employee | 40 | $161,153 | $12,858 |
| LARBERG GARY | CHAIRPERSON Trustee or director | 1 | $10,000 | $0 |
| JACKSON DON | V. CHAIRPERSON Trustee or director | 1 | $7,500 | $0 |
| LAGUNA FRANCES | DIRECTOR Trustee or director | 1 | $6,250 | $0 |
| TYUS WANDA | DIRECTOR Trustee or director | 1 | $6,250 | $0 |
| FORD JONATHON | DIRECTOR Trustee or director | 1 | $6,250 | $0 |
| GENDREAU LUIS | DIRECTOR Trustee or director | 1 | $6,250 | $0 |
| HOBSON CAROL | DIRECTOR Trustee or director | 1 | $6,250 | $0 |
| OLIVER SR JERRY | DIRECTOR Trustee or director | 1 | $6,250 | $0 |
990 for the year ended December 31, 2023: 23 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ROCH KAREN | CEO/PRESIDENT Officer | 40 | $684,599 | $304,564 |
| BIRR ROBERT | VP-CHIEF LENDING OFFICER Officer | 40 | $388,298 | $81,754 |
| DUONG NING | SVP-COO Officer | 40 | $370,757 | $70,363 |
| BROWN CHERYL | CHIEF PEOPLE OFFICER Officer | 40 | $349,051 | $35,812 |
| LOVELAND CONNIE | SVP-CHIEF FINANCIAL OFFICE Officer | 40 | $343,386 | $17,018 |
| CRUZ DIANA | VP- LOSS PREVENTION Key employee | 40 | $278,195 | $35,838 |
| GREEN DANIELLE | VP- RETAIL DELIVERY Key employee | 40 | $202,728 | $53,223 |
| POLDOSKI KELLY | CHIEF FINANCIAL OFFICER Officer | 40 | $200,856 | $39,994 |
| O'CONNOR RYAN SEAN | VP- MARKETING & COMMUNICATIONS Key employee | 40 | $215,140 | $17,600 |
| BAKER SETH R | VP-IT Key employee | 40 | $197,770 | $26,932 |
| BURT JAIME | VP- ADMINISTRATION Key employee | 40 | $184,499 | $12,926 |
| FIELDSON NICHOLAS | INVESTMENT ADVISOR Highest-paid employee | 40 | $182,730 | $10,047 |
| WADE ROBERT | INVESTMENT ADVISOR Highest-paid employee | 40 | $175,968 | $16,413 |
| BLOSS JODY | DIRECTOR- CONSUMER LENDING Highest-paid employee | 40 | $167,905 | $10,235 |
| BELL KIONA | DIRECTOR- DIGITAL DELIVERY Highest-paid employee | 40 | $152,618 | $11,134 |
| JACKSON DON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| GENDREAU LUIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| LAGUNA FRANCES | DIRECTOR Trustee or director | 1 | $0 | $0 |
| LOGAN EDWARD | V. CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| LARBERG GARY | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| TYUS WANDA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BOUCHER RAYMOND | V. CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| FORD JONATHON | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 10150 W DESERT RIVER BLVD, GLENDALE, AZ 85307-3008
- In care of
- % ROBERT MACGREGOR PRES CEO
- Principal officer (990 for 2025)
- KAREN ROCH, PO BOX 7600, GLENDALE, AZ 853127600
- Signed the 990
- KELLY POLDOSKI, CFO
- Phone
- (602) 631-3200
- Website
- WWW.CUWEST.ORG
- Return prepared by
- DOEREN MAYHEW
Mission
TO INSPIRE OUR MEMBERS, EMPLOYEES AND COMMUNITIES TO ACHIEVE THEIR FINANCIAL GOALS AND ENHANCE THEIR QUALITY OF LIFE.
Program accomplishments
- FINANCIAL COOPERATIVE TO PROVIDE LOANS AND FINANCIAL 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
- 86-0108241
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Exempt since
- 1970
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2111: CREDIT UNIONS IN THE STATE OF ARIZONA
- Assets (IRS master file)
- $1,417,150,679
- Income (IRS master file)
- $112,797,986
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $103,382,982 | $91,965,895 | $1,417,150,679 | IRS |
| 990 | December 2024 | $93,524,656 | $81,317,971 | $1,299,512,297 | IRS |
| 990 | December 2023 | $73,825,794 | $60,343,158 | $1,206,329,192 | XML |
| 990 | December 2022 | $55,137,534 | $40,867,916 | $1,117,757,318 | 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 86-0108241).
Questions about CREDIT UNIONS IN STATE OF ARIZONA
- What is the EIN of CREDIT UNIONS IN STATE OF ARIZONA?
- The employer identification number (EIN) of CREDIT UNIONS IN STATE OF ARIZONA is 86-0108241.
- Is CREDIT UNIONS IN STATE OF ARIZONA tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1970.
- Which annual return does CREDIT UNIONS IN STATE OF ARIZONA 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 CREDIT UNIONS IN STATE OF ARIZONA 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 CREDIT UNIONS IN STATE OF ARIZONA 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 CREDIT UNIONS IN STATE OF ARIZONA?
- The 990 for the year ended December 31, 2025 names KAREN ROCH.
- Who are the officers and directors of CREDIT UNIONS IN STATE OF ARIZONA?
- The 990 for the year ended December 31, 2025 lists 24 people; 24 received compensation from the organization, the highest $820,805 (ROCH KAREN, CEO/PRESIDENT).
- How much revenue does CREDIT UNIONS IN STATE OF ARIZONA have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $103,382,982, expenses of $91,965,895 and total assets of $1,417,150,679 at year end.
Other nonprofits in GLENDALE
- BECHTEL EMPLOYEES DISABILITY AND MEDICAL BENEFIT TRUST EIN 23-7115362 · last filed 990 for 2024
- ARIZONA CHRISTIAN UNIVERSITY EIN 86-0186050 · last filed 990 for 2025
- FRIENDSHIP RETIREMENT CORPORATION EIN 86-0265218 · last filed 990 for 2024
- CITY OF GLENDALE MUNICIPAL PROPERTY CORPORATION EIN 86-0436743 · last filed 990 for 2025
- EQUALITY COMMUNITY HOUSING CORPORATION EIN 30-0108124 · last filed 990 for 2024
- THE NORTON FOUNDATION EIN 86-0836442 · last filed 990-PF for 2024
- THRIVEPOINT HIGH SCHOOL EIN 86-1003327 · last filed 990 for 2025
- DESERT HEIGHTS CHARTER SCHOOLS EIN 91-2184875 · last filed 990 for 2025