ENT CREDIT UNION Charity Report

Public IRS 990 nonprofit record

ENT CREDIT UNION

EIN 84-0470451 · Arts, Culture & Humanities (A)

What they do

THE MISSION of ENT CREDIT UNION is to HELP MEMBERS IMPROVE THEIR FINANCIAL QUALITY of LIFE.

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 leaders24 people are listed in the latest report.

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

Money made simple

75.69%of revenue went to mission work100.0% of expenses · Program services

$88.35spent for every $100 of revenueRevenue covered expenses this year.

$18.73in 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 $1,895,916 for GRAVES CHAD M (PRESIDENT/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.

$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$285,571,543

Mission workProgram services$216,153,46575.69% 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$69,418,07824.31% of revenueShown in gray on the chart

Total expenses$216,153,46575.69% 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

2019CurrentExpense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 75.69% of revenue

2018Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 76.17% of revenue

2017Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 73.90% of revenue

Money in and money out

Revenue$594,695,379

Expenses$525,410,231

Annual surplus $69,285,148 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)$216,153,465 · 41.1% of expenses

See all reported dollar amounts

Revenue$594,695,379

Expenses$525,410,231

Assets$9,839,179,338

Income$654,453,621

Mission work (program services)$216,153,465

Grants given$12,420,221

Average grant$37,982

Stocks and bonds$536,464,851

Accounting fees$341,687

Investing fees$124,791

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

GRAVES CHAD MPRESIDENT/CEO · 40 hrs/week $1,895,916Base $1,359,628 · Other $536,288

DOMBROWSKI STEPHANIE SMORT LOAN OFFICER · 40 hrs/week $1,206,756Base $1,156,359 · Other $50,397

GENDRON MATTHEW JCHIEF ENGAGEMENT OFFICER · 40 hrs/week $1,045,579Base $999,623 · Other $45,956

SCHOLES RICHARD ACHIEF EXPERIENCE OFFICER - PART YEAR · 40 hrs/week $928,785Base $884,243 · Other $44,542

LECLERC DAN NCHIEF FINANCIAL OFFICER · 40 hrs/week $849,144Base $585,356 · Other $263,788

SUSSMAN JENNIFER SCHIEF MARKETING OFFICER - PART YEAR · 40 hrs/week $828,084Base $695,280 · Other $132,804

BELL MOLLIE BCHIEF DEVELOPMENT OFFICER · 40 hrs/week $824,253Base $735,146 · Other $89,107

MARSHALL CHRISTOPHER JCHIEF TECHNOLOGY OFFICER · 40 hrs/week $809,661Base $763,399 · Other $46,262

PAUKOVICH JON ACHIEF LENDING OFFICER · 40 hrs/week $677,997Base $565,652 · Other $112,345

CHIPPINDALE CHRISTOPHERCHIEF EXPERIENCE OFFICER - PART YEAR · 40 hrs/week $654,734Base $516,488 · Other $138,246

DUBOUE TANYA LFINANCIAL ADVISOR SR · 40 hrs/week $520,594Base $473,803 · Other $46,791

KOURI JESSICA SFINANCIAL ADVISOR SR · 40 hrs/week $499,543Base $455,760 · Other $43,783

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 (24)

GRAVES CHAD MPRESIDENT/CEO

DOMBROWSKI STEPHANIE SMORT LOAN OFFICER

GENDRON MATTHEW JCHIEF ENGAGEMENT OFFICER

SCHOLES RICHARD ACHIEF EXPERIENCE OFFICER - PART YEAR

LECLERC DAN NCHIEF FINANCIAL OFFICER

SUSSMAN JENNIFER SCHIEF MARKETING OFFICER - PART YEAR

BELL MOLLIE BCHIEF DEVELOPMENT OFFICER

MARSHALL CHRISTOPHER JCHIEF TECHNOLOGY OFFICER

PAUKOVICH JON ACHIEF LENDING OFFICER

CHIPPINDALE CHRISTOPHERCHIEF EXPERIENCE OFFICER - PART YEAR

DUBOUE TANYA LFINANCIAL ADVISOR SR

KOURI JESSICA SFINANCIAL ADVISOR SR

FISTANI EUGENE AFINANCIAL ADVISOR SR

HARRIS MATTHEW EFINANCIAL ADVISOR SR

NICHOLSON PAMELABOARD CHAIR

VADALA CHRISVICE CHAIRMAN

AYEN WILLIAMDIRECTOR

GLOVER WALTERTREASURER

GALGANO JEFFREYSECRETARY

DRUMMER TIMOTHYDIRECTOR

HENZE KATRINADIRECTOR

FARMER SHANNADIRECTOR

IRIZARRY SARAHDIRECTOR

MARTINEZ RONDIRECTOR - PART YEAR

About this charity

Recognized since: January 1968
Location: 11550 ENT PARKWAY, COLORADO SPRINGS, CO 80921
County: El Paso
In care of: CHAD GRAVES
Primary officer: CHAD GRAVES, PRESIDENT/CEO

How to reach them

WebsiteVisit the charity’s website Phone(719) 574-1100

Filing and classification

Latest tax year: 2024
Tax period began: January 1, 2024
Return type: 990
Tax preparer: PLANTE & MORAN PLLC
NTEE classification: Arts, Culture & Humanities (A)
IRS tax category: Arts, Culture & Humanities
Grant-giving organization: Yes