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SERVICE ONE CREDIT UNION INC

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Public IRS 990 nonprofit record

SERVICE ONE CREDIT UNION INC

EIN 61-6034178 · Arts, Culture & Humanities (A)

What they do

THE MISSION of SERVICE ONE CREDIT UNION is to UNDERSTAND and MEET OUR MEMBERS and COMMUNITYS NEEDS to HELP THEM PROSPER.

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 leaders16 people are listed in the latest report.

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

Money made simple

82.66%of revenue went to mission work100.0% of expenses · Program services
$89.47spent for every $100 of revenueRevenue covered expenses this year.
$15.59in 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 $283,806 for REBECCA STONE (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$9,393,677
Mission workProgram services$7,764,45982.66% 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$1,629,21817.34% of revenueShown in gray on the chart
Total expenses$7,764,45982.66% 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
2018CurrentExpense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 82.66% of revenue
2017Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 78.05% of revenue
2016Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 80.17% of revenue

Money in and money out

Revenue$19,005,715
Expenses$17,005,351
Annual surplus $2,000,364 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)$7,764,459 · 45.7% of expenses
See all reported dollar amounts
Revenue$19,005,715
Expenses$17,005,351
Assets$265,149,925
Income$19,276,327
Mission work (program services)$7,764,459
Grants given$367,050
Average grant$18,353
Accounting fees$67,343
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
REBECCA STONECEO · 40 hrs/week $283,806Base $189,585 · Other $94,221
JUSTIN MORRISPRESIDENT/CHIEF STRATEGY OFFICER · 40 hrs/week $160,058Base $147,509 · Other $12,549
MICHELLE DYERSVP/CHIEF EXPERIENCE OFFICER · 40 hrs/week $130,138Base $118,638 · Other $11,500
BRAD BROWNSVP/CHIEF OPERATING OFFICER · 40 hrs/week $119,047Base $106,779 · Other $12,268
MATTHEW HUTCHESONSVP/FINANCE · 40 hrs/week $113,623Base $92,009 · Other $21,614
NATHAN DALRYMPLEVP PEOPLE AND COMPLIANCE · 40 hrs/week $111,006Base $100,250 · Other $10,756
ROB HERRINGTONSVP/CHIEF TECHNOLOGY OFFICER (THRU 8/23/24) · 40 hrs/week $105,256Base $96,759 · Other $8,497
JEREME DICKENSVP/TECHNOLOGY · 40 hrs/week $99,053Base $70,089 · Other $28,964
MARKUS FLOYDSVP/CHIEF INNOVATION & CREDIT OFFICER (THRU 2/13) · 40 hrs/week $42,226Base $38,404 · Other $3,822

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 (16)

REBECCA STONECEO

JUSTIN MORRISPRESIDENT/CHIEF STRATEGY OFFICER

MICHELLE DYERSVP/CHIEF EXPERIENCE OFFICER

BRAD BROWNSVP/CHIEF OPERATING OFFICER

MATTHEW HUTCHESONSVP/FINANCE

NATHAN DALRYMPLEVP PEOPLE AND COMPLIANCE

ROB HERRINGTONSVP/CHIEF TECHNOLOGY OFFICER (THRU 8/23/24)

JEREME DICKENSVP/TECHNOLOGY

MARKUS FLOYDSVP/CHIEF INNOVATION & CREDIT OFFICER (THRU 2/13)

BRENDA WILLOUGHBYDIRECTOR

BROOKE JUSTICEDIRECTOR

CHRIS GEORGESECRETARY/TREASURER

HAROLD LITTLEVICE-CHAIR

J PAT STEWARTCHAIR

JAMES MCCASLINDIRECTOR

RICHARD L MILLERDIRECTOR

About this charity

Recognized since
January 1963
Location
PO BOX 51770, BOWLING GREEN, KY 42102-6770
County
Warren
In care of
% STEPHEN CARRICO
Primary officer
JUSTIN MORRIS, PRESIDENT

How to reach them

Filing and classification

Latest tax year
2024
Tax period began
January 1, 2024
Return type
990
Tax preparer
DEMING MALONE LIVESAY & OSTROFF PSC
NTEE classification
Arts, Culture & Humanities (A)
IRS tax category
Arts, Culture & Humanities
Grant-giving organization
Yes

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

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