Nonprofit · EIN 87-6121774
CREDIT UNIONS CHARTERED IN THE STATE OF UTAH
Also known as EDUCATION FIRST CREDIT UNION
Tax-exempt · OGDEN, UT 84403
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $3,886,682 | $3,273,182 | $613,500 | $73,855,626 | $67,912,723 | $5,942,903 |
| December 31, 2024 | 990 | $3,306,447 | $2,866,674 | $439,773 | $53,497,990 | $48,168,587 | $5,329,403 |
| December 31, 2023 | 990 | $2,441,306 | $2,094,001 | $347,305 | $47,532,213 | $42,642,583 | $4,889,630 |
| December 31, 2021 | 990 | $1,880,285 | $1,513,012 | $367,273 | $43,083,007 | $38,830,728 | $4,252,279 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $3,777,937
- Investment income
- $108,745
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $400,045
- Other salaries and wages
- $452,554
- Salaries, compensation and benefits (total)
- $852,599
- Professional fundraising fees
- $0
- Occupancy
- $51,514
- Travel
- $17,895
- Program services (functional)
- $3,273,182
Balance sheet and other
- Total assets, start of year
- $53,497,990
- Total assets, end of year
- $73,855,626
- Total liabilities, end of year
- $67,912,723
- Net assets, end of year
- $5,942,903
- Land, buildings and equipment
- $331,444
- Gross receipts
- $3,886,682
- Employees
- 12
- Volunteers
- 11
- Year formed
- 1932
- State of legal domicile
- UT
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 |
|---|---|---|---|
| KENT GREENFIELD | President Officer | 50 | $166,352 |
| DELSA GULL | Vice President Officer | 40 | $127,794 |
| CHAD TUFT | Vice President Officer | 40 | $105,899 |
| DARWIN SMITH | Director Trustee or director | 1 | $0 |
| LUCILLE BRIZZEE | Director Trustee or director | 0.5 | $0 |
| MATTHEW KILTS | Director Trustee or director | 0.5 | $0 |
| REED SPENCER | Director Trustee or director | 0.5 | $0 |
| KRISTY ELLIS | Director Trustee or director | 1 | $0 |
| JAY SEESE | Director Trustee or director | 1 | $0 |
| NICK WILCOX | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 11 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KENT GREENFIELD | President Officer | 50 | $136,675 |
| DELSA GULL | Vice President Officer | 40 | $102,185 |
| DARWIN SMITH | Director Trustee or director | 1 | $0 |
| LUCILLE BRIZZEE | Director Trustee or director | 0.5 | $0 |
| MATTHEW KILTS | Director Trustee or director | 0.5 | $0 |
| REED SPENCER | Director Trustee or director | 0.5 | $0 |
| KRISTY ELLIS | Director Trustee or director | 1 | $0 |
| JAY SEESE | Director Trustee or director | 1 | $0 |
| NICK WILCOX | Director Trustee or director | 1 | $0 |
| J P SEESE | Director Trustee or director | 1 | $0 |
| CHAD TUFT | Vice President Officer | 40 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KENT GREENFIELD | President Officer | 50 | $141,240 |
| DELSA GULL | Vice President Officer | 40 | $103,182 |
| DARWIN SMITH | Director Trustee or director | 1 | $0 |
| LUCILLE BRIZZEE | Director Trustee or director | 0.5 | $0 |
| MATTHEW KILTS | Director Trustee or director | 0.5 | $0 |
| REED SPENCER | Director Trustee or director | 0.5 | $0 |
| KRISTY ELLIS | Director Trustee or director | 1 | $0 |
| JAY SEESE | Director Trustee or director | 1 | $0 |
| NICK WILCOX | Director Trustee or director | 1 | $0 |
| CHAD TUFT | Vice President Officer | 40 | $0 |
990 for the year ended December 31, 2021: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CHAD TUFT | Vice President Officer | 40 | $107,872 |
| KENT GREENFIELD | President Officer | 50 | $106,723 |
| DARWIN SMITH | Director Trustee or director | 1 | $0 |
| LUCILLE BRIZZEE | Director Trustee or director | 0.5 | $0 |
| MATTHEW KILTS | Director Trustee or director | 0.5 | $0 |
| LADD CHASE | Director Trustee or director | 0.5 | $0 |
| REED SPENCER | Director Trustee or director | 0.5 | $0 |
| BRUCE CHRISTENSEN | Director Trustee or director | 0.5 | $0 |
| KRISTY ELLIS | Director Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 1250 COUNTRY HILLS DR, OGDEN, UT 84403-2560
- Signed the 990
- KENT GREENFIELD, President
- Phone
- (801) 392-4877
- Website
- E1CU.org
- Return prepared by
- DICKSON AND COMPANY INC
Mission
FINANCIAL SERVICES.
Program accomplishments
- PROVIDING CREDIT UNION SERVICES TO MEMBERS THROUGH A STATE CHARTERED CREDIT UNION.
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
- 87-6121774
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1956
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1349: CREDIT UNIONS CHARTERED IN THE STATE OF UTAH
- Assets (IRS master file)
- $73,855,626
- Income (IRS master file)
- $3,886,682
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $3,886,682 | $3,273,182 | $73,855,626 | XML |
| 990 | December 2024 | $3,306,447 | $2,866,674 | $53,497,990 | XML |
| 990 | December 2023 | $2,441,306 | $2,094,001 | $47,532,213 | XML |
| 990 | December 2022 | $1,770,401 | $1,452,016 | $41,251,510 | IRS |
| 990 | December 2021 | $1,880,285 | $1,513,012 | $43,083,007 | XML |
| 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 87-6121774).
Questions about CREDIT UNIONS CHARTERED IN THE STATE OF UTAH
- What is the EIN of CREDIT UNIONS CHARTERED IN THE STATE OF UTAH?
- The employer identification number (EIN) of CREDIT UNIONS CHARTERED IN THE STATE OF UTAH is 87-6121774.
- Is CREDIT UNIONS CHARTERED IN THE STATE OF UTAH tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1956.
- Are donations to CREDIT UNIONS CHARTERED IN THE STATE OF UTAH tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CREDIT UNIONS CHARTERED IN THE STATE OF UTAH 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 CHARTERED IN THE STATE OF UTAH 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 CHARTERED IN THE STATE OF UTAH last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who are the officers and directors of CREDIT UNIONS CHARTERED IN THE STATE OF UTAH?
- The 990 for the year ended December 31, 2025 lists 10 people; 3 received compensation from the organization, the highest $166,352 (KENT GREENFIELD, President).
- How much revenue does CREDIT UNIONS CHARTERED IN THE STATE OF UTAH have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $3,886,682, expenses of $3,273,182 and total assets of $73,855,626 at year end.
Other nonprofits in OGDEN
- THE FREEDOM ACADEMY FOUNDATION EIN 13-4255839 · last filed 990 for 2025
- MIDTOWN COMMUNITY HEALTH CENTER INC EIN 87-0540039 · last filed 990 for 2025
- DAVINCI ACADEMY OF SCIENCE AND THE ARTS EIN 73-1694745 · last filed 990 for 2025
- UTAH MILITARY ACADEMY EIN 46-5071480 · last filed 990 for 2025
- OGDEN PREPARATORY ACADEMY INC EIN 35-2210009 · last filed 990 for 2025
- ENTHEOS ACADEMY EIN 20-2393662 · last filed 990 for 2025
- THOMAS EDISON CHARTER SCHOOL INC EIN 87-0673250 · last filed 990 for 2025
- QUEST ACADEMY INC EIN 26-0198425 · last filed 990 for 2025