Nonprofit · EIN 94-1417215
DOW GREAT WESTERN CREDIT UNION
Tax-exempt · ANTIOCH, CA 94531
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $2,032,210 | $2,476,038 | -$443,828 | $48,388,390 | $45,068,690 | $3,319,700 |
| December 31, 2024 | 990 | $2,181,139 | $2,347,036 | -$165,897 | $47,260,247 | $43,942,687 | $3,317,560 |
| December 31, 2023 | 990 | $1,994,835 | $2,023,565 | -$28,730 | $47,413,211 | $44,112,905 | $3,300,306 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,313,635
- Investment income
- $656,867
- Net rental income
- $61,708
- Other revenue
- $61,708
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $218,747
- Other salaries and wages
- $409,990
- Salaries, compensation and benefits (total)
- $837,437
- Professional fundraising fees
- $0
- Occupancy
- $128,952
- Travel
- $5,774
- Depreciation
- $106,901
Balance sheet and other
- Total assets, start of year
- $47,260,247
- Total assets, end of year
- $48,388,390
- Total liabilities, end of year
- $45,068,690
- Net assets, end of year
- $3,319,700
- Land, buildings and equipment
- $3,387,336
- Gross receipts
- $2,032,210
- Employees
- 8
- Volunteers
- 10
- Year formed
- 1938
- 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.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Paul Kramer | CEO Trustee or director, Institutional trustee, Officer, Key employee, Highest-paid employee, Former | 40 | $121,791 | $20,878 |
| Stacey Douglas | Interim CEO Trustee or director, Institutional trustee, Officer, Key employee, Highest-paid employee, Former | 40 | $66,667 | $262 |
| Randy Dhindsa | CEO Trustee or director, Institutional trustee, Officer, Key employee, Highest-paid employee | 40 | $30,289 | $1,305 |
| Stevem McAdams | Secretary Trustee or director | 1 | $0 | $0 |
| Art Solis | Chairperson Trustee or director | 1 | $0 | $0 |
| John Jacobson | Director Trustee or director | 1 | $0 | $0 |
| Curtis Tong | Director Trustee or director | 1 | $0 | $0 |
| Sally Siemak | Director Trustee or director | 1 | $0 | $0 |
| Jeff Noyer | Director Trustee or director | 1 | $0 | $0 |
| David Parks | Vice Chairman Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 8 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Paul Kramer | CEO Trustee or director, Institutional trustee, Officer, Key employee, Highest-paid employee, Former | 40 | $225,761 | $47,623 |
| Stevem McAdams | Director Trustee or director | 1 | $0 | $0 |
| Art Solis | Chairperson Trustee or director | 4 | $0 | $0 |
| John Jacobson | Director Trustee or director | 1 | $0 | $0 |
| Curtis Tong | Director Trustee or director | 2 | $0 | $0 |
| Sally Siemak | Director Trustee or director | 1 | $0 | $0 |
| Jeff Noyer | Director Trustee or director | 1 | $0 | $0 |
| David Parks | Secretary Trustee or director | 4 | $0 | $0 |
990 for the year ended December 31, 2023: 8 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Paul Kramer | CEO Trustee or director, Institutional trustee, Officer, Key employee, Highest-paid employee, Former | 40 | $229,615 | $46,527 |
| Steven McAdams | Director Trustee or director | 1 | $0 | $0 |
| Art Solis | Director Trustee or director | 2 | $0 | $0 |
| John Jacobson | Director Trustee or director | 1 | $0 | $0 |
| Curtis Tong | Director Trustee or director | 2 | $0 | $0 |
| Sally Siemak | Director Trustee or director | 1 | $0 | $0 |
| Jeff Noyer | Chairperson Trustee or director | 4 | $0 | $0 |
| David Parks | Secretary Trustee or director | 4 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 2059, ANTIOCH, CA 94531-2059
- Principal officer (990 for 2025)
- Randy Dhindsa, 3457 Deer Valley Road, Antioch, CA 94531
- Signed the 990
- Randy Dhindsa, CEO
- Phone
- (925) 331-1010
- Website
- www.dowcu.org
California records
California keeps its own records of charities and corporations. Search them by EIN 94-1417215 or by the name DOW GREAT WESTERN CREDIT UNION.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
The credit union provides thrift savings, borrowing and financial services to members of a member owned cooperative financial institution. The credit union provides overall activity; that being financial cooperative providing thrift savings, borrowing and other financial services to our members/owners. The number of members/owners at 12/31/25 was 2007 with 3373 loans totaling $19,087,029 and 4162 share deposit accounts totaling $44,630,861.
Program accomplishments
- Regarding members and the member deposit side of the balance sheet, members dropped from 2,051 to 2,007. And member deposit accounts increased to 4,162 and balance increased to $44,630,681. Debit cards and transactions had consistent activity, along with transactions on the credit union's atm. Depositing and check cashing services at the member services counter was also consistent.Expenses $2,476,037 · revenue $2,032,210
- Loan services with 3,373 loans made for $19,087,029 as well as other services around loans, such as offering mechanical breakdown insurance coverage on auto loans. And offering insurance coverage for members if they are disabled and unable to make their payments. Various types of loans, including home loans were offered, including 1st trust, 2nd trust deed, fixed, and variable rate loans, home equity lines of credit, and credit card loans.
- Rental income stayed consistent
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
- 94-1417215
- 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
- Group exemption
- 1526: CREDIT UNIONS IN THE STATE OF CALIFORNIA
- Assets (IRS master file)
- $48,388,390
- Income (IRS master file)
- $2,032,210
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $2,032,210 | $2,476,038 | $48,388,390 | IRS |
| 990 | December 2024 | $2,181,139 | $2,347,036 | $47,260,247 | IRS |
| 990 | December 2023 | $1,994,835 | $2,023,565 | $47,413,211 | XML |
| 990 | December 2022 | $2,135,824 | $2,150,717 | $51,207,764 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 94-1417215).
Questions about DOW GREAT WESTERN CREDIT UNION
- What is the EIN of DOW GREAT WESTERN CREDIT UNION?
- The employer identification number (EIN) of DOW GREAT WESTERN CREDIT UNION is 94-1417215.
- Is DOW GREAT WESTERN CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
- Are donations to DOW GREAT WESTERN CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does DOW GREAT WESTERN 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 DOW GREAT WESTERN 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 DOW GREAT WESTERN 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 DOW GREAT WESTERN CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Randy Dhindsa.
- Who are the officers and directors of DOW GREAT WESTERN CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 10 people; 3 received compensation from the organization, the highest $121,791 (Paul Kramer, CEO).
- How much revenue does DOW GREAT WESTERN CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $2,032,210, expenses of $2,476,038 and total assets of $48,388,390 at year end.
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