Central Credit Union Of Maryland

Baltimore, MD
Tax-exempt since March 1998
EIN: 52-0679182

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Type of Nonprofit

Designated as a 501(c)(14) State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Details

According to its Dec. 2024 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.

Revenue

$2.27M (2024)

Expenses

$1.99M (2024)

Total Assets

$42.3M (2024)

Total Liabilities

$199k (2024)

Source: Form 990 tax filings from 2011 to 2024

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.
2024

Revenue

$2,270,552

Expenses

$1,991,536

Net Income

$279,016

Net Assets

$42,147,315

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,495,954	65.9%
Investment Income	$774,598	34.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$391,722	19.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$254,870	12.8%

Assets/Debt
Total Assets	$42,346,787
Total Liabilities	$199,472
Net Assets	$42,147,315

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$203,451	$0	$26,596
Darlene Terry (Vp Operations)	$128,963	$0	$18,212
Steve Ports (At Large)	$3,000	$0	$0
Helen Schwarz (Secretary)	$3,000	$0	$0
Ruth Ann White (Treasurer)	$3,000	$0	$0
Gary Martin (Chairman)	$3,000	$0	$0
Ron Mcelroy (Vice Chairman)	$2,500	$0	$0
Gwen Schmertzler (Associate Bod Mbr)	$0	$0	$0

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990

Filed on June 27, 2025

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2023

Revenue

$2,254,650

Expenses

$1,890,448

Net Income

$364,202

Net Assets

$43,374,317

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,559,379	69.2%
Investment Income	$695,271	30.8%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$355,403	18.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$232,511	12.3%

Assets/Debt
Total Assets	$43,588,484
Total Liabilities	$214,167
Net Assets	$43,374,317

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$183,141	$0	$29,585
Darlene Terry (Vp Operations)	$112,452	$0	$16,825
Ruth Ann White (Treasurer)	$3,000	$0	$0
Gary Martin (Chairman)	$2,750	$0	$0
Steve Ports (At Large)	$2,750	$0	$0
Ron Mcelroy (Vice Chairman)	$2,500	$0	$0
Helen Schwarz (Secretary)	$2,400	$0	$0

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990

Filed on Nov. 15, 2024

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Fiscal Year Ending Dec.
2022

Revenue

$1,664,116

Expenses

$1,679,681

Net Income

-$15,565

Net Assets

$46,155,056

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,322,548	79.5%
Investment Income	$341,568	20.5%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$224,477	13.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$317,293	18.9%

Assets/Debt
Total Assets	$46,215,514
Total Liabilities	$60,458
Net Assets	$46,155,056

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$190,353	$0	$20,474
Helen Schwarz (Secretary)	$2,900	$0	$0
Gary Martin (Chairman)	$2,750	$0	$0
Ruth Ann White (Treasurer)	$2,750	$0	$0
Ron Mcelroy (Vice Chairman)	$2,750	$0	$0
Steve Ports (At Large)	$2,500	$0	$0

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990

Filed on Sept. 12, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2021

Revenue

$1,364,889

Expenses

$1,544,931

Net Income

-$180,042

Net Assets

$46,771,548

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,195,900	87.6%
Investment Income	$168,989	12.4%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$160,697	10.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$342,049	22.1%

Assets/Debt
Total Assets	$46,859,689
Total Liabilities	$88,141
Net Assets	$46,771,548

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$139,786	$0	$17,836
Helen Schwarz (Secretary)	$875	$0	$0
Ruth Ann White (Treasurer)	$600	$0	$0
Ron Mcelroy (Vice Chairman)	$600	$0	$0
Steve Ports (At Large)	$550	$0	$0
Gary Martin (Chairman)	$450	$0	$0

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990

Filed on Nov. 15, 2022

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Fiscal Year Ending Dec.
2020

Revenue

$1,543,565

Expenses

$1,543,474

Net Income

$91

Net Assets

$43,942,162

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,310,206	84.9%
Investment Income	$233,359	15.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$252,021	16.3%
Professional Fundraising Fees	$0
Other Salaries and Wages	$316,840	20.5%

Assets/Debt
Total Assets	$43,987,592
Total Liabilities	$45,430
Net Assets	$43,942,162

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$226,340	$0	$23,031
Helen Schwarz (Secretary)	$600	$0	$0
Steve Ports (At Large)	$600	$0	$0
Ruth Ann White (Treasurer)	$550	$0	$0
Ron Mc Elroy (Vice Chairman)	$550	$0	$0
Gary Martin (Chairman)	$350	$0	$0

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990

Filed on Nov. 11, 2021

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Fiscal Year Ending Dec.
2019

Revenue

$1,875,609

Expenses

$1,662,640

Net Income

$212,969

Net Assets

$38,322,454

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,411,160	75.2%
Investment Income	$464,449	24.8%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$201,222	12.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$370,010	22.3%

Assets/Debt
Total Assets	$38,495,998
Total Liabilities	$173,544
Net Assets	$38,322,454

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$181,848	$0	$16,724
Helen Schwarz (Secretary)	$600	$0	$0
Ron Mc Elroy (Vice Chairman)	$600	$0	$0
Gary Martin (Chairman)	$500	$0	$0
Steve Ports (At Large)	$500	$0	$0
Ruth Ann White (Treasurer)	$450	$0	$0

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990

Filed on Nov. 10, 2020

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Fiscal Year Ending Dec.
2018

Revenue

$1,941,225

Expenses

$1,640,378

Net Income

$300,847

Net Assets

$39,413,703

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,497,966	77.2%
Investment Income	$443,259	22.8%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$188,287	11.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$382,836	23.3%

Assets/Debt
Total Assets	$39,619,903
Total Liabilities	$206,200
Net Assets	$39,413,703

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$162,089	$0	$23,548
Ruth Ann White (Treasurer)	$600	$0	$0
Helen Schwarz (Secretary)	$550	$0	$0
Ron Mc Elroy (Vice Chairman)	$550	$0	$0
Gary Martin (Chairman)	$500	$0	$0
Steve Ports (At Large)	$450	$0	$0

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990

Filed on Nov. 4, 2019

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Fiscal Year Ending Dec.
2017

Revenue

$1,586,281

Expenses

$2,020,882

Net Income

-$434,601

Net Assets

$41,404,662

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,308,309	82.5%
Investment Income	$277,972	17.5%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$178,914	8.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$402,416	19.9%

Assets/Debt
Total Assets	$41,595,264
Total Liabilities	$190,602
Net Assets	$41,404,662

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$143,338	$0	$33,126
Ruth Ann White (Treasurer)	$550	$0	$0
Ron Mc Elroy (Vice Chairman)	$550	$0	$0
Steve Ports (At Large)	$500	$0	$0
Helen Schwarz (Secretary)	$450	$0	$0
Gary Martin (Chairman)	$400	$0	$0

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990

Filed on Nov. 8, 2018

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Fiscal Year Ending Dec.
2016

Revenue

$993,534

Expenses

$993,171

Net Income

$363

Net Assets

$20,525,141

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$884,351	89.0%
Investment Income	$109,183	11.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$172,413	17.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$218,380	22.0%

Assets/Debt
Total Assets	$20,611,137
Total Liabilities	$85,996
Net Assets	$20,525,141

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$142,153	$0	$27,710
Ruth Ann White (Treasurer)	$550	$0	$0
Helen Schwarz (Secretary)	$550	$0	$0
Ron Mc Elroy (Vice Chairman)	$550	$0	$0
Gary Martin (Chairman)	$450	$0	$0
Steve Ports (At Large)	$450	$0	$0

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990

Filed on Nov. 14, 2017

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Fiscal Year Ending Dec.
2015

Revenue

$1,126,115

Expenses

$1,123,141

Net Income

$2,974

Net Assets

$20,634,796

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,014,976	90.1%
Investment Income	$111,139	9.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$202,418	18.0%
Professional Fundraising Fees	$0
Other Salaries and Wages	$205,554	18.3%

Assets/Debt
Total Assets	$20,698,697
Total Liabilities	$63,901
Net Assets	$20,634,796

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$173,017	$0	$26,751
Gary Martin (Chairman)	$550	$0	$0
Helen Schwarz (Secretary)	$550	$0	$0
Ron Mc Elroy (Vice Chairman)	$550	$0	$0
Steve Ports (At Large)	$550	$0	$0
Ruth Ann White (Treasurer)	$450	$0	$0

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990

Filed on Nov. 9, 2016

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Fiscal Year Ending Dec.
2014

Revenue

$1,152,351

Expenses

$1,491,938

Net Income

-$339,587

Net Assets

$20,375,558

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,018,433	88.4%
Investment Income	$133,918	11.6%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$157,631	10.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$250,777	16.8%

Assets/Debt
Total Assets	$20,436,210
Total Liabilities	$60,652
Net Assets	$20,375,558

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$128,461	$0	$26,370
Helen Schwarz (Secretary)	$700	$0	$0
Ron Mc Elroy (Vice Chairman)	$550	$0	$0
Steve Ports (At Large)	$550	$0	$0
Gary Martin (Chairman)	$500	$0	$0
Ruth Ann White (Treasurer)	$500	$0	$0

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990

Filed on Nov. 2, 2015

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Fiscal Year Ending Dec.
2013

Revenue

$1,174,240

Expenses

$1,174,190

Net Income

$50

Net Assets

$20,938,964

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,078,677	91.9%
Investment Income	$95,563	8.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$156,008	13.3%
Professional Fundraising Fees	$0
Other Salaries and Wages	$259,189	22.1%

Assets/Debt
Total Assets	$20,982,526
Total Liabilities	$43,562
Net Assets	$20,938,964

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Jester (President/Ceo)	$123,461	$0	$29,747
Helen Schwarz (Secretary)	$650	$0	$0
Ruth Ann White (Treasurer)	$550	$0	$0
Ron Mc Elroy (Vice Chairman)	$550	$0	$0
Steve Ports (At Large)	$550	$0	$0
Gary Martin (Chairman)	$500	$0	$0

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990

Filed on May 7, 2014

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Fiscal Year Ending Dec.
2012

Revenue

$1,256,786

Expenses

$1,256,245

Net Income

$541

Net Assets

$20,959,092

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,164,634	92.7%
Investment Income	$92,152	7.3%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$167,427	13.3%
Professional Fundraising Fees	$0
Other Salaries and Wages	$275,142	21.9%

Assets/Debt
Total Assets	$20,998,610
Total Liabilities	$39,518
Net Assets	$20,959,092

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Revenue

$1,350,737

Expenses

$1,324,040

Net Income

$26,697

Net Assets

$20,206,761

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,284,578	95.1%
Investment Income	$66,159	4.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$159,579	12.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$264,530	20.0%

Assets/Debt
Total Assets	$20,244,923
Total Liabilities	$38,162
Net Assets	$20,206,761

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

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Central Credit Union Of Maryland

Organization summary

Type of Nonprofit

Details

Summary charts: organization finances over time

Revenue $2.27M (2024)

Expenses $1.99M (2024)

Total Assets $42.3M (2024)

Total Liabilities $199k (2024)

Tax Filings by Year

Fiscal Year Ending Dec. 2024

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2023

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2022

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2021

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2020

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2019

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2018

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2017

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2016

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2015

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Revenue

$2.27M (2024)

Expenses

$1.99M (2024)

Total Assets

$42.3M (2024)

Total Liabilities

$199k (2024)

Fiscal Year Ending Dec.
2024

Fiscal Year Ending Dec.
2023

Fiscal Year Ending Dec.
2022

Fiscal Year Ending Dec.
2021

Fiscal Year Ending Dec.
2020

Fiscal Year Ending Dec.
2019

Fiscal Year Ending Dec.
2018

Fiscal Year Ending Dec.
2017

Fiscal Year Ending Dec.
2016

Fiscal Year Ending Dec.
2015

Fiscal Year Ending Dec.
2014

Fiscal Year Ending Dec.
2013

Fiscal Year Ending Dec.
2012

Fiscal Year Ending Dec.
2011

Fiscal Year Ending Dec.
2010

Fiscal Year Ending Dec.
2009

Fiscal Year Ending Dec.
2008

Fiscal Year Ending Dec.
2007

Fiscal Year Ending Dec.
2006

Fiscal Year Ending Dec.
2005

Fiscal Year Ending Dec.
2004