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Guardian Credit Union

Organization summary

Organization summary might be incomplete or out of date

This organization is not listed in the IRS's most recent list of tax exempt organizations, but we have data associated with this Employer Identification Number.

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Details

According to its Dec. 2023 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$16.9M (2023)

Expenses
$14.1M (2023)

Total Assets
$289M (2023)

Total Liabilities
$268M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$16,891,064
Expenses
$14,142,164
Net Income
$2,748,900
Net Assets
$20,685,803
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,309,078
90.6%
Investment Income $1,511,692
8.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $70,294
0.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $288,976
2.0%
Professional Fundraising Fees $0
Other Salaries and Wages $4,798,794
33.9%
Assets/Debt
Total Assets $288,595,168
Total Liabilities $267,909,365
Net Assets $20,685,803
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Kevin Nitka (Ceo/Board Treasurer) $265,226 $0 $23,750
Steven Heiderer (Senior Vice President) $143,598 $0 $27,855
David Zwaska (Chief Credit Officer) $134,271 $0 $18,260
Kevin Correa (Chief Administration Officer) $133,393 $0 $12,390
James Chudy (Chief Accounting Officer) $131,865 $0 $11,923
Nathanael Tullis (Vp Of Information Technology) $108,657 $0 $24,696
Douglas Miller (Secretary) $0 $0 $0
John Bosbous (Board Vicechairman) $0 $0 $0
Robert Jelinek (Board Chairman) $0 $0 $0
Darci Middaugh (Director) $0 $0 $0
David Rank (Director) $0 $0 $0
Philip Bauer (Director) $0 $0 $0
Rose Bartkowiak (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,498,485
Expenses
$11,833,729
Net Income
$1,664,756
Net Assets
$18,496,511
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,828,753
87.6%
Investment Income $1,274,621
9.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $395,111
2.9%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $252,990
2.1%
Professional Fundraising Fees $0
Other Salaries and Wages $4,337,351
36.7%
Assets/Debt
Total Assets $299,131,621
Total Liabilities $280,635,110
Net Assets $18,496,511
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Kevin Nitka (Ceo/Board Treasurer) $232,280 $0 $20,710
Steven Heiderer (Senior Vice President) $125,213 $0 $13,054
David Zwaska (Chief Credit Officer) $124,737 $0 $4,059
James Chudy (Chief Accounting Officer) $117,832 $0 $8,087
Kevin Correa (Chief Administration Officer) $117,075 $0 $11,236
Thomas Sloey (Mortgage Originator) $104,826 $0 $6,666
Robert Jelinek (Board Chairman) $0 $0 $0
John Bosbous (Board Vice Chairman) $0 $0 $0
Douglas Miller (Secretary) $0 $0 $0
Rose Bartkowiak (Director) $0 $0 $0
Philip Bauer (Director) $0 $0 $0
Leonard Cox (Director) $0 $0 $0
Darci Middaugh (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,852,827
Expenses
$11,426,661
Net Income
$1,426,166
Net Assets
$16,831,755
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,172,297
79.1%
Investment Income $1,091,254
8.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,589,276
12.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $243,252
2.1%
Professional Fundraising Fees $0
Other Salaries and Wages $4,259,488
37.3%
Assets/Debt
Total Assets $291,729,738
Total Liabilities $274,897,983
Net Assets $16,831,755
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Thomas Sloey (Mortgage Originator) $245,815 $0 $6,827
Kevin Nitka (Ceo/Board Treasurer) $222,115 $0 $21,137
Steven Heiderer (Senior Vice President) $121,593 $0 $11,364
David Zwaska (Chief Credit Officer) $117,751 $0 $3,673
James Chudy (Chief Accounting Officer) $112,742 $0 $7,101
Kevin Correa (Chief Administration Officer) $112,195 $0 $10,618
Robert Jelinek (Board Chairman) $0 $0 $0
John Bosbous (Board Vicechairman) $0 $0 $0
Douglas Miller (Secretary) $0 $0 $0
Rose Bartkowiak (Director) $0 $0 $0
Philip Bauer (Director) $0 $0 $0
Leonard Cox (Director) $0 $0 $0
Darci Middaugh (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,472,112
Expenses
$10,752,439
Net Income
$1,719,673
Net Assets
$15,405,589
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,991,748
80.1%
Investment Income $1,083,564
8.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,396,800
11.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $184,700
1.7%
Professional Fundraising Fees $0
Other Salaries and Wages $3,981,370
37.0%
Assets/Debt
Total Assets $258,616,027
Total Liabilities $243,210,438
Net Assets $15,405,589
Compensation
Key Employees and Officers Compensation Related Other
Kevin Nitka (Ceo/Board Treasurer) $161,377 $0 $23,323
Thomas Sloey (Mortgage Originator) $140,053 $0 $29,957
Steven Heiderer (Senior Vice President) $106,353 $0 $11,724
Robert Jelinek (Board Chairman) $0 $0 $0
John Bosbous (Board Vicechairman) $0 $0 $0
Douglas Miller (Secretary) $0 $0 $0
Rose Bartkowiak (Director) $0 $0 $0
Leonard Cox (Director) $0 $0 $0
William Latour (Director) $0 $0 $0
Darci Middaugh (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,475,827
Expenses
$11,347,405
Net Income
$1,128,422
Net Assets
$13,685,916
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,733,408
86.0%
Investment Income $1,113,561
8.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $628,858
5.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $263,663
2.3%
Professional Fundraising Fees $0
Other Salaries and Wages $3,636,461
32.0%
Assets/Debt
Total Assets $220,222,269
Total Liabilities $206,536,353
Net Assets $13,685,916
Compensation
Key Employees and Officers Compensation Related Other
Kevin Nitka (Ceo/Board Treasurer) $163,049 $0 $100,614
Robert Jelinek (Board Chairman) $0 $0 $0
John Bosbous (Board Vice Chairman) $0 $0 $0
Douglas Miller (Secretary) $0 $0 $0
Rose Bartkowiak (Director) $0 $0 $0
Leonard Cox (Director) $0 $0 $0
William Latour (Director) $0 $0 $0
Darci Middaugh (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,999,926
Expenses
$12,045,047
Net Income
$954,879
Net Assets
$12,557,490
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,607,953
89.3%
Investment Income $555,754
4.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $836,219
6.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $268,881
2.2%
Professional Fundraising Fees $0
Other Salaries and Wages $3,601,362
29.9%
Assets/Debt
Total Assets $218,385,051
Total Liabilities $205,827,561
Net Assets $12,557,490
Compensation
Key Employees and Officers Compensation Related Other
Kevin Nitka (Ceo/Board Treasurer) $190,490 $0 $68,191
Robert Jelinek (Board Chairman) $1,600 $0 $0
Douglas Miller (Secretary) $1,600 $0 $0
William Latour (Director) $1,400 $0 $0
John Bosbous (Board Vice Chairman) $1,400 $0 $0
Darci Middaugh (Director) $1,400 $0 $0
Rose Bartkowiak (Director) $1,400 $0 $0
Leonard Cox (Director) $1,400 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,463,293
Expenses
$14,110,914
Net Income
-$1,647,621
Net Assets
$11,602,612
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,421,867
91.6%
Investment Income $289,484
2.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $751,942
6.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $516,646
3.7%
Professional Fundraising Fees $0
Other Salaries and Wages $3,377,360
23.9%
Assets/Debt
Total Assets $220,969,713
Total Liabilities $209,367,101
Net Assets $11,602,612
Compensation
Key Employees and Officers Compensation Related Other
Kevin Nitka (Ceo/Board Treasurer) $438,251 $0 $45,696
Steve Heiderer (Svp) $102,813 $0 $7,985
Robert Jelinek (Board Chairman) $4,800 $0 $0
Douglas Miller (Secretary) $4,800 $0 $0
William Latour (Director) $4,200 $0 $0
John Bosbous (Board Vice Chairman) $4,200 $0 $0
Darci Middaugh (Director) $4,200 $0 $0
Rose Bartkowiak (Director) $4,200 $0 $0
Leonard Cox (Director) $3,150 $0 $0
Warren Sladky (Board Director Emeritus) $1,950 $0 $0
Robert Gibbons (Board Director Emeritus) $1,200 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,349,380
Expenses
$12,947,913
Net Income
$401,467
Net Assets
$13,250,233
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,085,777
90.5%
Investment Income $154,966
1.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,108,637
8.3%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $337,662
2.6%
Professional Fundraising Fees $0
Other Salaries and Wages $3,463,413
26.7%
Assets/Debt
Total Assets $217,430,936
Total Liabilities $204,180,703
Net Assets $13,250,233
Compensation
Key Employees and Officers Compensation Related Other
Kevin Nitka (Ceo Part Year/Treasurer) $158,885 $0 $28,006
Steve Wesson (Ceo Part Year) $111,010 $0 $10,561
Robert Jelinek (Board Chairman) $4,800 $0 $0
Douglas Miller (Secretary) $4,800 $0 $0
William Latour (Director) $4,200 $0 $0
John Bosbous (Board Vice Chairman) $4,200 $0 $0
Darci Middaugh (Director) $4,200 $0 $0
Rose Bartkowiak (Director) $4,200 $0 $0
Jonathan Rigano (Director) $2,800 $0 $0
Leonard Cox (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,233,892
Expenses
$15,365,760
Net Income
-$4,131,868
Net Assets
$12,848,765
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,744,643
> 100%
Investment Income $164,446
1.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$2,675,197
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $566,364
3.7%
Professional Fundraising Fees $0
Other Salaries and Wages $3,482,929
22.7%
Assets/Debt
Total Assets $212,166,149
Total Liabilities $199,317,384
Net Assets $12,848,765
Compensation
Key Employees and Officers Compensation Related Other
Steve Wesson (Ceo/Treasurer) $269,590 $0 $70,833
Kevin Nitka (Cfo) $133,183 $0 $59,108
Robert Jelinek (Board Chairman) $4,800 $0 $0
Douglas Miller (Secretary) $4,800 $0 $0
Jonathan Rigano (Vice Chairman) $4,200 $0 $0
William Latour (Director) $4,200 $0 $0
John Bosbous (Director) $4,200 $0 $0
Darci Middaugh (Director) $4,200 $0 $0
Warren Sladky (Director) $3,450 $0 $0
Robert Gibons (Director Emeritus) $3,450 $0 $0
Rose Bartkowiak (Director) $350 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,620,114
Expenses
$12,297,623
Net Income
$322,491
Net Assets
$16,980,635
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,072,535
95.7%
Investment Income $185,531
1.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$9,280
Net Inventory Sales $0
Other Revenue $371,328
2.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $505,389
4.1%
Professional Fundraising Fees $0
Other Salaries and Wages $3,232,952
26.3%
Assets/Debt
Total Assets $236,869,206
Total Liabilities $219,888,571
Net Assets $16,980,635
Compensation
Key Employees and Officers Compensation Related Other
Steve Wesson (Ceo/Treasurer) $226,375 $0 $62,718
Kevin Nitka (Cfo) $128,289 $0 $53,207
Douglas Miller (Secretary) $4,800 $0 $0
Robert Jelinek (Chairman) $4,800 $0 $0
Robert Gibbons (Director Emeritus) $4,200 $0 $0
Warren Sladky (Director) $4,200 $0 $0
Jonathan Rigano (Vice Chairman) $4,200 $0 $0
William Latour (Director) $4,200 $0 $0
Darci Middaugh (Director) $4,200 $0 $0
John Bosbous (Director) $4,200 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,724,330
Expenses
$13,960,578
Net Income
$763,752
Net Assets
$16,658,144
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,927,287
94.6%
Investment Income $163,984
1.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$603,629
Net Inventory Sales $0
Other Revenue $1,236,688
8.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $562,079
4.0%
Professional Fundraising Fees $0
Other Salaries and Wages $3,733,777
26.7%
Assets/Debt
Total Assets $230,958,646
Total Liabilities $214,300,502
Net Assets $16,658,144
Compensation
Key Employees and Officers Compensation Related Other
Steve Wesson (Ceo/Treasurer) $242,907 $0 $82,802
Kevin Nitka (Cfo) $140,028 $0 $70,242
Douglas Miller (Secretary) $3,900 $0 $0
Robert Jelinek (Chairman) $3,900 $0 $0
Robert Gibbons (Director Emeritus) $3,300 $0 $0
Warren Sladky (Director) $3,300 $0 $0
Jonathan Rigano (Vice Chairman) $3,300 $0 $0
William Latour (Director) $3,300 $0 $0
Darci Middaugh (Director) $3,300 $0 $0
John Bosbous (Director) $1,800 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,827,249
Expenses
$15,166,442
Net Income
$660,807
Net Assets
$15,894,392
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,852,732
> 100%
Investment Income $199,940
1.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$225,423
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $429,140
2.8%
Professional Fundraising Fees $0
Other Salaries and Wages $3,738,969
24.7%
Assets/Debt
Total Assets $225,444,215
Total Liabilities $209,549,823
Net Assets $15,894,392

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,781,534
Expenses
$14,463,403
Net Income
$318,131
Net Assets
$15,233,585
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $14,535,304
98.3%
Investment Income $278,257
1.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$60,577
Net Inventory Sales $0
Other Revenue $28,550
0.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $469,853
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $3,180,863
22.0%
Assets/Debt
Total Assets $232,742,105
Total Liabilities $217,508,520
Net Assets $15,233,585

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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