Civic Intelligence

Tech Credit Union

EIN 35-0885375 • 501(c)14 • Crown Point, IN

View Organization Page

Profile

To provide services that enable our members to achieve a lifetime of financial success.

10110 Randolph StreetCrown Point, IN 46307-1727

www.techcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

68th percentile

0.91x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

67th percentile

16.65x

Higher debt load relative to revenue than 67% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

6th percentile

-3.0%

Higher net margin than 6% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

30th percentile

0.6%

Faster asset growth than 30% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

45th percentile

13%

Faster revenue growth than 45% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$542,967,604

Up $15,715,525 (+3.0%) from 2023

Liabilities

Up

$495,707,773

Up $16,450,924 (+3.4%) from 2023

Net Assets

Down

$47,259,831

Down $735,399 (-1.5%) from 2023

Operations
Liabilities / Revenue67th percentileNet Margin6th percentile

Revenue

Down

$29,777,395

Down $3,623,353 (-11%) from 2023

Expenses

Up

$30,672,003

Up $4,115,591 (+15%) from 2023

Net Income

Down

-$894,608

Down $7,738,944 (-113%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2010: $283,484,571Liabilities 2010: $259,556,466Net Assets 2010: $23,928,1052010Assets 2011: $294,603,795Liabilities 2011: $269,963,194Net Assets 2011: $24,640,6012011Assets 2012: $310,700,667Liabilities 2012: $285,053,389Net Assets 2012: $25,647,2782012Assets 2013: $320,353,160Liabilities 2013: $294,282,697Net Assets 2013: $26,070,4632013Assets 2014: $321,489,659Liabilities 2014: $295,647,228Net Assets 2014: $25,842,4312014Assets 2015: $330,848,432Liabilities 2015: $304,060,142Net Assets 2015: $26,788,2902015Assets 2016: $346,316,433Liabilities 2016: $318,970,817Net Assets 2016: $27,345,6162016Assets 2017: $356,935,538Liabilities 2017: $328,302,095Net Assets 2017: $28,633,4432017Assets 2018: $360,917,214Liabilities 2018: $329,354,588Net Assets 2018: $31,562,6262018Assets 2021: $509,548,706Liabilities 2021: $470,386,395Net Assets 2021: $39,162,3112021Assets 2022: $536,572,543Liabilities 2022: $495,053,216Net Assets 2022: $41,519,3272022Assets 2023: $527,252,079Liabilities 2023: $479,256,849Net Assets 2023: $47,995,2302023Assets 2024: $542,967,604Liabilities 2024: $495,707,773Net Assets 2024: $47,259,8312024

Highlighted filing

2024

Assets$542,967,604
Liabilities$495,707,773
Net Assets$47,259,831
Open 2024 Filing

Operations Trend

Revenue Growth45th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40M$30M$20M$10M$0-$10MExpenses 2010: $15,073,6092010Expenses 2011: $12,941,0882011Expenses 2012: $12,855,0702012Revenue 2013: $13,556,381Expenses 2013: $13,132,965Net Income 2013: $423,4162013Revenue 2014: $13,462,407Expenses 2014: $13,698,561Net Income 2014: -$236,1542014Revenue 2015: $13,958,944Expenses 2015: $12,898,516Net Income 2015: $1,060,4282015Revenue 2016: $14,321,695Expenses 2016: $13,617,003Net Income 2016: $704,6922016Revenue 2017: $14,937,838Expenses 2017: $13,796,508Net Income 2017: $1,141,3302017Revenue 2018: $17,272,387Expenses 2018: $14,245,724Net Income 2018: $3,026,6632018Revenue 2021: $20,890,462Expenses 2021: $18,440,676Net Income 2021: $2,449,7862021Revenue 2022: $23,189,269Expenses 2022: $20,696,239Net Income 2022: $2,493,0302022Revenue 2023: $33,400,748Expenses 2023: $26,556,412Net Income 2023: $6,844,3362023Revenue 2024: $29,777,395Expenses 2024: $30,672,003Net Income 2024: -$894,6082024

Highlighted filing

2024

Revenue$29,777,395
Expenses$30,672,003
Net Income-$894,608
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$542,967,604
Liabilities
$495,707,773
Net assets
$47,259,831
Revenue
$29,777,395
Expenses
$30,672,003
Net income
-$894,608
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$543$496$47.3$29.8$30.7$0.89
2023Detailed filing. Detailed filing data is available for this year.$527$479$48.0$33.4$26.6$6.84
2022Detailed filing. Detailed filing data is available for this year.$537$495$41.5$23.2$20.7$2.49
2021Detailed filing. Detailed filing data is available for this year.$510$470$39.2$20.9$18.4$2.45
2018Detailed filing. Detailed filing data is available for this year.$361$329$31.6$17.3$14.2$3.03
2017Detailed filing. Detailed filing data is available for this year.$357$328$28.6$14.9$13.8$1.14
2016Detailed filing. Detailed filing data is available for this year.$346$319$27.3$14.3$13.6$0.70
2015Detailed filing. Detailed filing data is available for this year.$331$304$26.8$14.0$12.9$1.06
2014Detailed filing. Detailed filing data is available for this year.$321$296$25.8$13.5$13.7$0.24
2013Detailed filing. Detailed filing data is available for this year.$320$294$26.1$13.6$13.1$0.42
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$311$285$25.6$12.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$295$270$24.6$12.9
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$283$260$23.9$15.1
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 24, 2025
Return Version
2024v5.2
Gross Receipts
$29,787,449
Mission and Program Overview

Mission

To provide services that enable our members to achieve a lifetime of financial success.

To promote thrift and provide low cost loans to members. This is accomplished on a co-operative basis for the mutual benefit of those within the membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$445,723,672$451,460,910▲ $5,737,238
Rtn Earn Endowment Incm Other Fnds$47,995,230$47,259,831▼ $735,399
Savings and Temporary Cash Investments$31,503,425$40,502,975▲ $8,999,550
Land, Buildings, and Equipment, Net$24,169,637$23,455,314▼ $714,323
Investments Other Securities$2,415,533$6,968,875▲ $4,553,342
Cash and Non-Interest-Bearing Accounts$2,792,066$2,656,783▼ $135,283
Prepaid Expenses and Deferred Charges$1,119,288$1,568,068▲ $448,780
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$527,252,079$542,967,604▲ $15,715,525
Other Assets Total$19,528,458$16,354,679▼ $3,173,779
Liabilities
Other Liabilities$455,733,460$491,648,799▲ $35,915,339
Accounts Payable and Accrued Expenses$5,036,389$3,559,974▼ $1,476,415
Mortgage Notes Payable Secured by Investment Property$18,487,000$499,000▼ $17,988,000
Total Liabilities$479,256,849$495,707,773▲ $16,450,924
Net Assets / Fund Balance
Total Net Assets Fund Balance$47,995,230$47,259,831▼ $735,399
Total Liabilities and Net Assets / Fund Balance$527,252,079$542,967,604▲ $15,715,525

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,351,982$6,757,610$23,109,592
Equipment$3,613,782$4,704,184$8,317,966
Land$3,489,550-$3,489,550
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eugene NovelloPresident/CEOFT$337,262$49,914$387,176
Michael CaseyExecutive VP-part YearFT$269,392$41,081$310,473
John WilkeningExecutive VP, Chief Banking OfficerFT$204,123$48,000$252,123
Donald MccormickVP of Commericial LendingFT$131,818$48,591$180,409
Kim CarpenterCums ManagerFT$163,691$15,930$179,621
Zachery HohulinVP of Information Technology, CIOFT$159,460$9,140$168,600
Larry SchafferVP of Marketing -part YearFT$147,905$15,958$163,863
Roseann DennisVP, Chief Human Resource OfficerFT$109,923$46,802$156,725
Cris Rizzo KratkoczkiVP of FinanceFT$129,409$25,800$155,209
Lora SturtridgeVP of Information Technology - Part YearFT$129,373$15,634$145,007
Jill SandillaVP of LendingFT$125,386$13,131$138,517
Eric RauchSenior VP, Chief Financial OfficerFT$73,099$8,189$81,288
Joe MacharaChairman-$7,000-$7,000
James MackDirector-$6,750-$6,750
Lee LaneDirector-$6,750-$6,750
Richard YoungDirector-$6,750-$6,750
Edward PetyoDirector-$6,000-$6,000
Lisa BeckDirector-$6,000-$6,000
Luis GonzalezDirector-$5,500-$5,500
Walter GarbarczykSecretary-$5,500-$5,500
Greg SalvatoreDirector-$4,500-$4,500

Highest Paid Contractors

ContractorServicesLocationCompensation
NcrDigital Services, Web Connect, Mobile BaPO BOX 740641, Los Angeles, CA 90074$564,467
MastercardDebit Card Brand/card Service2200 MASTERCARD BOULEVARD, Ofallon, MO 63368$538,600
CorelationCore Processor2305 HISTORIC DECAUR RD STE 300, Sand Diego, CA 92106$515,698
BuchertechInformation Technology And Services2803 BOILERMAKER CT, Valparaiso, IN 46383$512,183
QsiincFull Service Provided For Atms, Coin Cou107 SCHULER DRIVE, Bardstown, KY 40004$442,777
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,565,587
Investment Income
$5,211,808
Other Revenue
$0
Change in Net Assets
$-894,608
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$18,392,474
Salaries, Compensation, and Employee Benefits$12,279,529
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$8,422,073
Other Salaries and Wages---$8,068,865
Depreciation Depletion---$1,570,733
Current Officers, Directors, Trustees, and Key Employees---$1,566,343
Other Employee Benefits---$1,332,212
Occupancy---$1,235,032
Information Technology---$1,092,139
Office Expenses---$711,868
Payroll Taxes---$711,338
Pension Plan Contributions---$600,771
Advertising---$339,006
Conferences and Meetings---$170,438
Fees for Services Other---$138,841
Other Expenses---$105,230
Fees for Services Accounting---$96,919
All Other Expenses---$51,917
Fees for Services Legal---$39,055
Total Functional Expenses$0$0$0$30,672,003
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS$491,648,799
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“A member is defined as any individual or business that has loan or deposit account at the credit union.”

Form 990, Part VI, Section A, Line 7A

“In accordance with the bylaws, the board of directors is elected by a vote of the membership, usually conducted annually. Prior to any meeting at which an election is to be held, a nominating committee may be appointed by the board of directors whose duty it shall be to nominate a complete list of candidates for the various positions to be filled at such meeting.”

Form 990, Part VI, Section A, Line 7B

“Major decisions, such as whether or not to merge into another credit union, would require ratification by the membership to be approved.”

Form 990, Part VI, Section B, Line 11B

“Management reviews form 990 before it is filed with the irs. Board does not review the form 990 before filing.”

Form 990, Part VI, Section B, Line 12C

“All board members and executive staff complete a conflict of interest statement on an annual basis. The credit union's internal auditor reviews these statements to ensure completion and compliance. In the event a conflict is identified, the board member will be absent from all discussions, recommendations, determinations and decisions regarding the matter.”

Form 990, Part VI, Section B, Line 15

“Compensation is determined as part of each individuals' annual review. The compensation amounts are included in the budget that is approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents are on file with the indiana secretary of state's office. A copy of these documents can be obtained through this office. The credit union's financial statements are on display in the lobby of the credit union's home office. The credit union's conflict of interest policy is not made available to the general public.”

Filing and Contact Details

Filer

Filer Name
Tech Credit Union
EIN
35-0885375
Phone
2196635120
Address
10110 RANDOLPH STREET, CROWN POINT, IN 46307-1727

Signing Officer

Name
Eugene R Novello
Title
President & CEO
Phone
2196635120
Signed
2025-07-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eugene R Novello
Formed
1936
Legal Domicile
In
Voting Board Members
9
Independent Board Members
9
Employees
222
Volunteers
0

Preparer

Firm
Plante & Moran Pllc
Address
750 TRADE CENTRE WAY STE 300, PORTAGE, MI 49002
Preparer
Joshua Nitz CPA
Phone
2695674500
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net unrealized loss on defined benefit pension plan 158,502.”

Raw XML AppendixShowing 400 of 695 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt12SENIOR VP, CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF INFORMATION TECHNOLOGY, CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP, CHIEF HUMAN RESOURCE OFFICER
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IRS990/Form990PartVIISectionAGrp/TitleTxt16CUMS MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF COMMERICIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP OF MARKETING -PART YEAR
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP OF INFORMATION TECHNOLOGY - PART YEAR
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