Nonprofit · EIN 91-0693631
SNO FALLS CREDIT UNION
Tax-exempt · NORTH BEND, WA 98045
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $6,188,533 | $5,696,775 | $491,758 | $99,940,176 | $92,128,745 | $7,811,431 |
| December 31, 2024 | 990 | $5,971,743 | $5,981,621 | -$9,878 | $99,010,830 | $92,070,794 | $6,940,036 |
| December 31, 2023 | 990 | $6,508,855 | $5,891,765 | $617,090 | $105,430,812 | $98,723,893 | $6,706,919 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $5,330,451
- Investment income
- $774,254
- Net gain from sales of assets
- $2,930
- Other revenue
- $83,828
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,057,757
- Other salaries and wages
- $1,035,204
- Salaries, compensation and benefits (total)
- $2,875,554
- Professional fundraising fees
- $0
- Legal fees
- $9,682
- Accounting fees
- $96,663
- Occupancy
- $118,669
- Travel
- $48,377
- Depreciation
- $130,133
Balance sheet and other
- Total assets, start of year
- $99,010,830
- Total assets, end of year
- $99,940,176
- Total liabilities, end of year
- $92,128,745
- Net assets, end of year
- $7,811,431
- Land, buildings and equipment
- $1,184,116
- Gross unrelated business income
- $26,286
- Gross receipts
- $6,188,533
- Employees
- 28
- Volunteers
- 9
- Year formed
- 1957
- State of legal domicile
- WA
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 |
|---|---|---|---|---|
| TIMOTHY WILLIAMS | CEO Officer | 40 | $694,115 | $74,414 |
| ELIZABETH KEATING | CFO Officer | 40 | $190,287 | $43,474 |
| ABBIE LANKFORD | CXO Officer | 40 | $173,354 | $54,200 |
| SHELLY INMAN | CHAIRMAN Trustee or director, Officer | 1.5 | $0 | $0 |
| MARY BARRETT | VICE CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| CAROL LAWRENCE | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| BART KELLY | DIRECTOR, SC CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| E STEVE COLLINS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KURT MEISTER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KEN PAAUW | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TIMOTHY WILLIAMS | CEO Officer | 40 | $519,497 | $72,879 |
| ELIZABETH KEATING | CFO Officer | 40 | $181,810 | $42,023 |
| ABBIE LANKFORD | CXO Officer | 40 | $164,980 | $51,499 |
| E STEVE COLLINS | CHAIRMAN Trustee or director, Officer | 1.5 | $0 | $0 |
| SHELLY INMAN | VICE CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| CAROL LAWRENCE | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| BART KELLY | DIRECTOR, SC CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| MARY BARRETT | DIRECTOR Trustee or director | 1.5 | $0 | $0 |
| KURT MEISTER | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TIMOTHY WILLIAMS | CEO Officer | 40 | $506,440 | $83,468 |
| ELIZABETH KEATING | CFO Officer | 40 | $202,896 | $46,527 |
| ABBIE LANKFORD | CXO Officer | 40 | $185,140 | $53,695 |
| ROB SHOGREN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| E STEVE COLLINS | CHAIRMAN Trustee or director, Officer | 1.5 | $0 | $0 |
| SHELLY INMAN | VICE CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| BART KELLY | DIRECTOR, SC CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| KURT MEISTER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CAROL LAWRENCE | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| MARY BARRETT | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 2510, NORTH BEND, WA 98045-2510
- Principal officer (990 for 2025)
- TIM WILLIAMS, PO BOX 2510, NORTH BEND, WA 98045
- Signed the 990
- TIM WILLIAMS, PRESIDENT/CEO
- Phone
- (425) 888-4004
- Website
- WWW.SNOFALLS.COM
- Return prepared by
- OPSAHL DAWSON
Mission
ENHANCE THE FINANCIAL WELL-BEING OF OUR MEMBERS.
Program accomplishments
- MUTUAL, MEMBERSHIP PROGRAMS, GENERAL/OTHER: PROVIDED ITS 5,159 MEMBERS THE OPPORTUNITY FOR SAVINGS, DEPOSITS, LOANS, AND OTHER FINANCIAL SERVICES. THE CREDIT UNION GRANTED 327 LOANS TOTALING $11,856,359 TO ITS MEMBERS DURING 2025.
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
- 91-0693631
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1954
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1269: CREDIT UNIONS IN THE STATE OF WASHINGTON
- Assets (IRS master file)
- $99,940,176
- Income (IRS master file)
- $6,188,533
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $6,188,533 | $5,696,775 | $99,940,176 | XML |
| 990 | December 2024 | $5,971,743 | $5,981,621 | $99,010,830 | IRS |
| 990 | December 2023 | $6,508,855 | $5,891,765 | $105,430,812 | XML |
| 990 | December 2022 | $5,599,032 | $5,001,862 | $116,102,540 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | 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 91-0693631).
Questions about SNO FALLS CREDIT UNION
- What is the EIN of SNO FALLS CREDIT UNION?
- The employer identification number (EIN) of SNO FALLS CREDIT UNION is 91-0693631.
- Is SNO FALLS CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1954.
- Are donations to SNO FALLS CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does SNO FALLS 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 SNO FALLS 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 SNO FALLS 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 SNO FALLS CREDIT UNION?
- The 990 for the year ended December 31, 2025 names TIM WILLIAMS.
- Who are the officers and directors of SNO FALLS CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 10 people; 3 received compensation from the organization, the highest $694,115 (TIMOTHY WILLIAMS, CEO).
- How much revenue does SNO FALLS CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $6,188,533, expenses of $5,696,775 and total assets of $99,940,176 at year end.
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