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WESTERN COOPERATIVE CREDIT UNION

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Public IRS 990 nonprofit record

WESTERN COOPERATIVE CREDIT UNION

EIN 45-0216652 · Mutual & Membership Benefit (Y)

What they do

WESTERN COOPERATIVE CREDIT UNION EXISTS for THE FINANCIAL BENEFIT of ITS MEMBERS. THE PURPOSE SHALL BE to MAXIMIZE MEMBER BENEFITS THROUGH COST EFFECTIVE FINANCIAL SERVICES, EDUCATION CONSISTENT WITH COOPERATIVE PRINCIPLES, PRUDENT MANAGEMENT, and to MAINTAIN A STRONG PRESENCE IN OUR COMMUNITIES.

Before you give

Should I give to this charity?

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We do not have enough spending detail

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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 leaders13 people are listed in the latest report.

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

Money made simple

$69.19spent for every $100 of revenueRevenue covered expenses this year.
$28.53in assets for every $1 spent this yearSome assets cannot be spent right away.

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  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 $459,610 for JUSTIN MADDISON (CEO/PRESIDENT). Compare pay with organizations of similar size and complexity.

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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.

Money in and money out

Revenue$24,455,256
Expenses$16,921,453
Annual surplus $7,533,803 Revenue was higher than expenses for this filing year.
See all reported dollar amounts
Revenue$24,455,256
Expenses$16,921,453
Assets$482,793,811
Income$24,455,256
Stocks and bonds$147,656,749
Accounting fees$56,752
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
JUSTIN MADDISONCEO/PRESIDENT · 40 hrs/week $459,610Base $410,293 · Other $49,317
MELANIE STILLWELLFORMER CEO/PRESIDENT · 40 hrs/week $209,212Base $185,714 · Other $23,498
NICKOLAS DRESSLERAG/BUSINESS LOAN MANAGER · 40 hrs/week $178,273Base $142,949 · Other $35,324
SCOTT SCHWINDTCHEIF OPERATIONS OFFICER · 40 hrs/week $175,804Base $153,065 · Other $22,739
JASON DELORMECONSUMER/MORTGAGE LOAN MAN · 40 hrs/week $153,519Base $126,551 · Other $26,968
TIM LINDEMANNSENIOR AG LOAN OFFICER · 40 hrs/week $134,781Base $116,183 · Other $18,598
SHAILOH KOVASHREGINAL VICE PRESIDENT/IT · 40 hrs/week $126,265Base $117,452 · Other $8,813
JAMES MOECHIEF FINANCIAL OFFICER · 40 hrs/week $115,093Base $99,845 · Other $15,248
GINA KARSKYSECRETARY - TREASURER · 1 hrs/week $5,200
HEATHER FEIRINGDIRECTOR · 1 hrs/week $5,200
LARRY NOVAKCHAIRMAN · 1 hrs/week $5,200
LARRY SCHILKEVICE CHAIRMAN · 1 hrs/week $5,200

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 (13)

JUSTIN MADDISONCEO/PRESIDENT

MELANIE STILLWELLFORMER CEO/PRESIDENT

NICKOLAS DRESSLERAG/BUSINESS LOAN MANAGER

SCOTT SCHWINDTCHEIF OPERATIONS OFFICER

JASON DELORMECONSUMER/MORTGAGE LOAN MAN

TIM LINDEMANNSENIOR AG LOAN OFFICER

SHAILOH KOVASHREGINAL VICE PRESIDENT/IT

JAMES MOECHIEF FINANCIAL OFFICER

GINA KARSKYSECRETARY - TREASURER

HEATHER FEIRINGDIRECTOR

LARRY NOVAKCHAIRMAN

LARRY SCHILKEVICE CHAIRMAN

LEE MURPHYDIRECTOR

About this charity

Recognized since
January 1942
Location
290 15TH ST W, DICKINSON, ND 58601-3100
County
Williams
In care of
JUSTIN MADDISON
Primary officer
JUSTIN MADDISON, CEO

How to reach them

Filing and classification

Latest tax year
2024
Tax period began
January 1, 2024
Return type
990
Tax preparer
BRADY MARTZ & ASSOCIATES PC
NTEE classification
Mutual & Membership Benefit (Y)
IRS tax category
Mutual & Membership Benefit

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

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