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Nonprofit · EIN 94-1265580

COMPASS COMMUNITY CREDIT UNION

Tax-exempt · EUREKA, CA 95502

Financials

$6.2M$6.4M2023$7M$7.6M2024$8.1M$7.7M2025
Revenue Expenses · by fiscal year end
Financials of COMPASS COMMUNITY CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$8,109,535$7,654,708$454,827$177,787,883$156,668,460$21,119,423
December 31, 2024990$7,012,318$7,582,070-$569,752$174,535,859$154,960,854$19,575,005
December 31, 2023990$6,237,895$6,404,289-$166,394$173,064,752$154,202,565$18,862,187
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$5,993,321
Investment income
$1,621,802
Other revenue
$494,412

Expenses

Grants and similar amounts paid
$0
Benefits paid to members
$2,826,662
Compensation of officers, directors and key employees
$1,241,251
Other salaries and wages
$895,264
Salaries, compensation and benefits (total)
$2,851,970
Professional fundraising fees
$0
Legal fees
$4,544
Accounting fees
$33,450
Occupancy
$113,587
Depreciation
$208,276
Program services (functional)
$7,654,708

Balance sheet and other

Total assets, start of year
$174,535,859
Total assets, end of year
$177,787,883
Total liabilities, end of year
$156,668,460
Net assets, end of year
$21,119,423
Land, buildings and equipment
$3,707,907
Publicly traded securities
$19,976,208
Net assets without donor restrictions
$21,119,423
Gross unrelated business income
$7,787
Gross receipts
$8,109,535
Employees
28
Volunteers
10
Year formed
1951
State of legal domicile
CA

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.

NameTitleHours / weekCompensation
Ray LitchfieldCEO
Officer
40$440,361
Pamela TurnerEVP
Officer
40$252,925
Christopher OlsonSVP-Retail Banking
Officer
40$201,872
Megan BinschusAVP-Retail Lending
Highest-paid employee
40$121,615
Bruce LundAVP- Marketing and Retail Banking
Highest-paid employee
40$120,775
Jaime JohnsonAVP-Risk Management
Highest-paid employee
40$103,703
Dax WilliamsonBoard Chair
Trustee or director
1$0
Wyatt KneaperBoard Vice Chair
Trustee or director
1$0
Joan TysonBoard Secretary
Trustee or director
1$0
Patricia SundbergDirector
Trustee or director
1$0
Annalise von BorstelDirector
Trustee or director
1$0
Ross CreechDirector
Trustee or director
1$0
Kelly BarnsDirector
Trustee or director
1$0
990 for the year ended December 31, 2024: 14 people
NameTitleHours / weekCompensation
Ray LitchfieldCEO
Officer
40$412,641
Pamela TurnerEVP
Officer
40$250,659
Christopher OlsonSVP- Retail Banking
Officer
40$176,179
Bruce LundVP-Marketing and Retail Delivery
Highest-paid employee
40$133,986
Megan BinschusAVP- Retail Lending
Highest-paid employee
40$127,454
Jaime JohnsonAVP-Risk Management
Highest-paid employee
40$119,157
Kristen GuzardoAVP-Information Systems
Highest-paid employee
40$103,737
Dax WilliamsonBoard Chair
Trustee or director
1$0
Wyatt KneaperBoard Vice Chair
Trustee or director
1$0
Joan TysonBoard Secretary
Trustee or director
1$0
Patricia SundbergDirector
Trustee or director
1$0
Annalise Von BorstelDirector
Trustee or director
1$0
Ross CreechDirector
Trustee or director
1$0
Kelly BarnsDirector
Trustee or director
1$0
990 for the year ended December 31, 2023: 11 people
NameTitleHours / weekCompensation
Ray LitchfieldCEO
Officer
40$367,325
Pamela TurnerEVP
Officer
40$229,425
Bruce LundVP
Highest-paid employee
40$163,179
Megan BinschusAVP
Highest-paid employee
40$113,646
Dax WilliamsonBoard Chair
Trustee or director
1$0
Wyatt KneaperBoard Vice Chair
Trustee or director
1$0
Patricia SundbergSecretary
Trustee or director
1$0
Kelly BarnsDirector
Trustee or director
1$0
Ross CreechDirector
Trustee or director
1$0
Joan TysonDirector
Trustee or director
1$0
Annalise von BorstelDirector
Trustee or director
1$0

Address and contacts

Address (IRS master file)
PO BOX 1268, EUREKA, CA 95502-1268
In care of
% RAY LITCHFIELD
Principal officer (990 for 2025)
Ray Litchfield, PO BOX 1268, EUREKA, CA 95502
Signed the 990
Ray Litchfield, CEO
Phone
(707) 443-8662

California records

California keeps its own records of charities and corporations. Search them by EIN 94-1265580 or by the name COMPASS COMMUNITY CREDIT UNION.

Attorney General, Registry of Charities and Fundraisers
Registration status and filed reports (CT-TR-1, RRF-1)

Mission

Non-profit State Chartered natural person credit union. Providing competitively-priced financial services to members.

990 for the year ended December 31, 2025

Program accomplishments

  • Provided competitively priced deposit and loan accounts services to our membership.
    Expenses $7,654,708 · revenue $8,871,455

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, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
94-1265580
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1961
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$177,787,883
Income (IRS master file)
$8,109,535

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$8,109,535$7,654,708$177,787,883IRS
990December 2024$7,012,318$7,582,070$174,535,859IRS
990December 2023$6,237,895$6,404,289$173,064,752XML
990December 2022$5,014,828$4,772,039$175,987,436IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2019–––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 94-1265580).

Questions about COMPASS COMMUNITY CREDIT UNION

What is the EIN of COMPASS COMMUNITY CREDIT UNION?
The employer identification number (EIN) of COMPASS COMMUNITY CREDIT UNION is 94-1265580.
Is COMPASS COMMUNITY CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
Are donations to COMPASS COMMUNITY CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does COMPASS COMMUNITY 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 COMPASS COMMUNITY 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 COMPASS COMMUNITY 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 COMPASS COMMUNITY CREDIT UNION?
The 990 for the year ended December 31, 2025 names Ray Litchfield.
Who are the officers and directors of COMPASS COMMUNITY CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 13 people; 6 received compensation from the organization, the highest $440,361 (Ray Litchfield, CEO).
How much revenue does COMPASS COMMUNITY CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $8,109,535, expenses of $7,654,708 and total assets of $177,787,883 at year end.

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