NORTHWEST CHRISTIAN CREDIT UNION Charity Report

Public IRS 990 nonprofit record

NORTHWEST CHRISTIAN CREDIT UNION

EIN 82-0250969

What they do

Building Better Lives and Stronger Ministries By Uniting The Faith and Finance of The Christian Community

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $36.70 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 2025The charity has a recent tax report to read.

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

They name their leaders11 people are listed in the latest report.

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

Money made simple

33.04%of revenue went to mission work36.7% of expenses · Program services

$90.10spent for every $100 of revenueRevenue covered expenses this year.

$23.46in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
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 $163,315 for BRAD SWARTZENTRUBER (PRESIDENTCEO). 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 2025

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.

$100revenue

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$4,930,640

Mission workProgram services$1,628,91933.04% of revenue36.7% 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$488,2729.90% of revenueShown in gray on the chart

Total expenses$4,442,36890.10% 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

2025CurrentExpense mix: 36.7% mission · 0.0% management · 0.0% fundraisingTotal expenses: 90.10% of revenue

2024Expense mix: 33.1% mission · 0.0% management · 0.0% fundraisingTotal expenses: 110.01% of revenue

2023Expense mix: 11.2% mission · 0.0% management · 0.0% fundraisingTotal expenses: 67.68% of revenue

2022Expense mix: 6.1% mission · 0.0% management · 0.0% fundraisingTotal expenses: 89.05% of revenue

2021Expense mix: 7.9% mission · 0.0% management · 0.0% fundraisingTotal expenses: 94.87% of revenue

Money in and money out

Revenue$4,930,640

Expenses$4,442,368

Annual surplus $488,272 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)$1,628,919 · 36.7% of expenses

See all reported dollar amounts

Revenue$4,930,640

Expenses$4,442,368

Assets$104,210,378

Mission work (program services)$1,628,919

Accounting fees$40,845

People

Leadership and board

Tax year 2025

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

People reported as paid

Person and titleCompensation

BRAD SWARTZENTRUBERPRESIDENTCEO · 40 hrs/week $163,315Base $147,381 · Other $15,934

PAUL BOWMANVICE PRES FINANCE · 40 hrs/week $137,031Base $127,122 · Other $9,909

LEONARD FRINGSVICE PRES LENDING · 40 hrs/week $96,119Base $91,511 · Other $4,608

RIKKI WATKINSVICE PRES OPERATIONS · 40 hrs/week $94,283Base $90,507 · Other $3,776

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 (11)

BRAD SWARTZENTRUBERPRESIDENTCEO

PAUL BOWMANVICE PRES FINANCE

LEONARD FRINGSVICE PRES LENDING

RIKKI WATKINSVICE PRES OPERATIONS

BRENT CARPENTERDIRECTOR

DAVID PETERSONTREASURERSECRETARY

GRANT MILLERDIRECTOR

LIBERTY THOMPSONVICE CHAIRPERSON

MARK WHEELERDIRECTOR

NATHAN ROSKAMCHAIRPERSON

RACHEL BORENDIRECTOR

About this charity

Location: 716 E Colorado Ave, Nampa, ID 83686
County: Canyon
In care of: PAUL BOWMAN
Primary officer: PAUL BOWMAN, VP-Finance

How to reach them

WebsiteVisit the charity’s website Phone(208) 466-0916

Filing and classification

Latest tax year: 2025
Tax period began: January 1, 2025
Return type: 990