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COMMUNITY CHOICE CREDIT UNION

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Public IRS 990 nonprofit record

COMMUNITY CHOICE CREDIT UNION

EIN 42-0778245

What they do

SIMPLY and HAPPILY FULFILL THE FINANCIAL WANTS and NEEDS of OUR MEMBERS. to ACHIEVE THIS, WE MUST STRIVE to UNEXPECTEDLY DELIGHT THOSE WE SERVE; OUR EMPLOYEES, OUR COMMUNITIES, OUR MEMBERS.

Before you give

Should I give to this charity?

Easy charity check
Look at where the money went

Of every $100 spent, about $100.00 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders27 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

89.23%of revenue went to mission work100.0% of expenses · Program services
$89.23spent for every $100 of revenueRevenue covered expenses this year.
$16.30in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $967,587 for JOSHUA COOK (CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$55,660,525
Mission workProgram services$49,667,63189.23% of revenue100.0% of expenses
ManagementOffice and general costs0.00% of revenue0.0% of expenses
FundraisingAsking for donations0.00% of revenue0.0% of expenses
Revenue left after expensesReported annual surplus$5,992,89410.77% of revenueShown in gray on the chart
Total expenses$49,667,63189.23% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails
2024CurrentExpense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 89.23% of revenue
2023Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 84.83% of revenue
2022Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 86.10% of revenue
2021Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 80.06% of revenue
2020Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 83.63% of revenue
2019Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 74.82% of revenue
2018Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 81.14% of revenue
2017Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 87.79% of revenue

Money in and money out

Revenue$55,660,525
Expenses$49,667,631
Annual surplus $5,992,894 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$49,667,631 · 100.0% of expenses
See all reported dollar amounts
Revenue$55,660,525
Expenses$49,667,631
Assets$809,567,079
Mission work (program services)$49,667,631
Accounting fees$581,717
People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation
JOSHUA COOKCEO · 40 hrs/week $967,587Base $903,607 · Other $63,980
BRIAN CURTINCRO, EVP · 40 hrs/week $445,920Base $393,622 · Other $52,298
ERIK SORENSENCFO · 40 hrs/week $358,344Base $305,962 · Other $52,382
TIMOTHY WALLENCOO · 40 hrs/week $318,574Base $276,022 · Other $42,552
JEFFREY KLEINCHOICE CREATIVE SOULTIONS · 1 hrs/week $293,059Base $252,388 · Other $40,671
JEFFREY JOHANNSENVP MORTGAGE SALES · 40 hrs/week $292,141Base $256,021 · Other $36,120
CHRISTOPHER PUNKECHIEF TECHNOLOGY OFFICER · 40 hrs/week $290,716Base $246,613 · Other $44,103
KELLY QUICKVP RETAIL PAYMENT SYSTEMS · 40 hrs/week $289,113Base $244,626 · Other $44,487
ANGELA RICHARDSCHIEF MARKETING OFFICER · 40 hrs/week $282,870Base $248,104 · Other $34,766
KAYLA NELSONMORTGAGE LOAN OFFICER · 40 hrs/week $272,600Base $229,105 · Other $43,495
DAVID JORDANVP MORTGAGE OPERATIONS · 40 hrs/week $254,110Base $213,580 · Other $40,530
JOSHUA MURPHYVP RETAIL BANKING · 40 hrs/week $254,056Base $210,779 · Other $43,277

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (27)

JOSHUA COOKCEO

BRIAN CURTINCRO, EVP

ERIK SORENSENCFO

TIMOTHY WALLENCOO

JEFFREY KLEINCHOICE CREATIVE SOULTIONS

JEFFREY JOHANNSENVP MORTGAGE SALES

CHRISTOPHER PUNKECHIEF TECHNOLOGY OFFICER

KELLY QUICKVP RETAIL PAYMENT SYSTEMS

ANGELA RICHARDSCHIEF MARKETING OFFICER

KAYLA NELSONMORTGAGE LOAN OFFICER

DAVID JORDANVP MORTGAGE OPERATIONS

JOSHUA MURPHYVP RETAIL BANKING

JAMES BAKKIEMORTGAGE LOAN OFFICER

NICOLE MILLSVP PEOPLE & CULTURE

JOSEPH HAYHOEMORTGAGE LOAN OFFICER

GARY BROWNDIRECTOR OFCONSUMER LOAN OPERATIONS

SUSAN TINKERMORTGAGE LOAN OFFICER

TROY MOOREVP COMMERCIAL LENDING

KEN ZINKULAAUDIT COMMITTEE CHAIR

MIKEL KOSCHMEDERBOARD CFO

JOE YAMENVICE CHAIR

RANDY DICKEYBOARD CHAIR

SARA KUROVSKIBOARD MEMBER

DEB DEGRAFFBOARD MEMBER

THOMAS MCENTEEBOARD SECRETARY

BRIAN FARRELLBOARD MEMBER

BRENNA FINNERTYBOARD MEMBER

About this charity

Location
PO BOX 1405, JOHNSTON, IA 50131
County
Polk
In care of
JOSH COOK
Primary officer
JOSH COOK, PRESIDENT/CEO

How to reach them

Filing and classification

Latest tax year
2024
Tax period began
January 1, 2024
Return type
990
Tax preparer
GARDINER COMPANY PC

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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