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Achieve Financial Credit Union Inc

Organization summary

Type of Nonprofit

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

Donations to this organization are not tax deductible.

Details

According to its Dec. 2022 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
$10.3M (2022)

Expenses
$8.3M (2022)

Total Assets
$183M (2022)

Total Liabilities
$174M (2022)

Source: Form 990 tax filings from 2011 to 2022

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.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,293,726
Expenses
$8,300,755
Net Income
$1,992,971
Net Assets
$9,318,532
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,831,922
56.7%
Investment Income $804,005
7.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,657,799
35.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $769,223
9.3%
Professional Fundraising Fees $0
Other Salaries and Wages $1,730,194
20.8%
Assets/Debt
Total Assets $183,250,727
Total Liabilities $173,932,195
Net Assets $9,318,532
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $308,635 $0 $30,274
Brian Scavone (Coo) $160,017 $0 $6,600
Matthew Yussman (Cfo) $156,287 $0 $12,900
Lisa Calabro (Vice President) $119,088 $0 $15,697
Melissa D'agostino (Member Experience Officer) $118,393 $0 $5,156
Thomas Langdon (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Chairman) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Dene Welage (Vice Chairman) $0 $0 $0
Jason Smith (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,898,546
Expenses
$8,013,107
Net Income
$885,439
Net Assets
$11,593,962
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,454,078
61.3%
Investment Income $582,928
6.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,861,540
32.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $581,804
7.3%
Professional Fundraising Fees $0
Other Salaries and Wages $2,009,191
25.1%
Assets/Debt
Total Assets $177,006,682
Total Liabilities $165,412,720
Net Assets $11,593,962
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $264,122 $0 $29,744
Matthew Yussman (Cfo) $152,726 $0 $12,678
Lisa Calabro (Vice President) $119,092 $0 $19,404
Thomas Langdon (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Chairman) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Dene Welage (Vice Chairman) $0 $0 $0
Jason Smith (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,837,035
Expenses
$7,999,110
Net Income
-$162,075
Net Assets
$11,722,676
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,971,657
63.4%
Investment Income $548,146
7.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,317,232
29.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $738,584
9.2%
Professional Fundraising Fees $0
Other Salaries and Wages $1,846,866
23.1%
Assets/Debt
Total Assets $162,912,495
Total Liabilities $151,189,819
Net Assets $11,722,676
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $282,745 $0 $31,433
Matthew Yussman (Cfo) $153,118 $0 $13,715
Chris Krieger (Chief Lending Officer) $144,775 $0 $2,541
Lisa Calabro (Vice President) $115,018 $0 $19,429
Thomas Langdon (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Chairman) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Dene Welage (Vice Chairman) $0 $0 $0
Jason Smith (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,643,003
Expenses
$8,025,589
Net Income
$617,414
Net Assets
$11,681,856
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,488,329
63.5%
Investment Income $614,666
7.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,540,008
29.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $641,077
8.0%
Professional Fundraising Fees $0
Other Salaries and Wages $2,017,276
25.1%
Assets/Debt
Total Assets $131,893,368
Total Liabilities $120,211,512
Net Assets $11,681,856
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $316,437 $0 $31,083
Matthew Yussman (Cfo) $161,969 $0 $13,615
Lisa Calabro (Vice President) $119,075 $0 $19,951
Thomas Langdon (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Chairman) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Dene Welage (Vice Chairman) $0 $0 $0
Jason Smith (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,626,185
Expenses
$7,998,513
Net Income
$627,672
Net Assets
$10,813,571
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,494,193
63.7%
Investment Income $468,531
5.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,663,461
30.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $621,255
7.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,993,097
24.9%
Assets/Debt
Total Assets $129,741,266
Total Liabilities $118,927,695
Net Assets $10,813,571
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $282,953 $0 $27,984
Matthew Yussman (Cfo) $153,478 $0 $12,153
Mary Budnick (Vp Of Sales) $145,112 $0 $18,694
Kenneth Poppe (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Chairman) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Deborah M Kennedy (Vice Chairman) $0 $0 $0
Dene Welage (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,784,724
Expenses
$7,193,138
Net Income
$591,586
Net Assets
$10,257,524
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,197,976
66.8%
Investment Income $370,292
4.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,216,456
28.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $535,790
7.4%
Professional Fundraising Fees $0
Other Salaries and Wages $1,976,915
27.5%
Assets/Debt
Total Assets $129,565,274
Total Liabilities $119,307,750
Net Assets $10,257,524
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $238,641 $0 $26,397
Matthew Yussman (Cfo) $133,326 $0 $12,533
Mary Budnick (Vp Of Sales) $122,762 $0 $22,424
Kenneth Poppe (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Chairman) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Deborah M Kennedy (Vice Chairman) $0 $0 $0
Dene Welage (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,155,404
Expenses
$6,856,273
Net Income
$299,131
Net Assets
$9,697,140
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,878,035
68.2%
Investment Income $235,703
3.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,041,666
28.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $550,563
8.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,765,671
25.8%
Assets/Debt
Total Assets $126,174,445
Total Liabilities $116,477,305
Net Assets $9,697,140
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $249,269 $0 $23,398
Matthew Yussman (Cfo) $140,731 $0 $11,249
Mary Budnick (Vp Of Sales) $129,340 $0 $15,770
Kenneth Poppe (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Chairman) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Deborah M Kennedy (Vice Chairman) $0 $0 $0
Dene Welage (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,128,828
Expenses
$6,672,640
Net Income
$456,188
Net Assets
$9,495,955
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,829,963
67.8%
Investment Income $126,017
1.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,172,848
30.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $526,958
7.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,772,670
26.6%
Assets/Debt
Total Assets $122,451,154
Total Liabilities $112,955,199
Net Assets $9,495,955
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $233,733 $0 $23,457
Matthew Yussman (Cfo) $133,929 $0 $11,638
Mary Budnick (Vp Of Sales) $124,993 $0 $18,207
Kenneth Poppe (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Chairman) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Deborah M Kennedy (Vice Chairman) $0 $0 $0
Dene Welage (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,014,757
Expenses
$6,547,405
Net Income
$467,352
Net Assets
$9,037,394
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,845,656
69.1%
Investment Income $87,092
1.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,082,009
29.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $520,274
7.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,712,945
26.2%
Assets/Debt
Total Assets $113,245,305
Total Liabilities $104,207,911
Net Assets $9,037,394
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $226,467 $0 $23,456
Matthew Yussman (Cfo) $134,233 $0 $11,362
Mary Budnick (Vp Of Sales) $125,112 $0 $16,282
Kenneth Poppe (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Chairman) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Sebastiano Spada (Vice Chairman) $0 $0 $0
Deborah M Kennedy (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,005,128
Expenses
$6,362,167
Net Income
$642,961
Net Assets
$8,564,751
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,818,583
68.8%
Investment Income $106,857
1.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,079,688
29.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $468,962
7.4%
Professional Fundraising Fees $0
Other Salaries and Wages $1,716,925
27.0%
Assets/Debt
Total Assets $109,544,115
Total Liabilities $100,979,364
Net Assets $8,564,751
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Andrew Klimkoski (President/Ceo) $201,364 $0 $24,965
Matthew Yussman (Cfo) $120,015 $0 $9,072
Mary Budnick (Vp Of Sales) $111,606 $0 $13,607
Kenneth Poppe (Director) $0 $0 $0
John Stairs (Treasurer/Secretary) $0 $0 $0
William Ackerman (Director) $0 $0 $0
John Fredericks (Director) $0 $0 $0
Elaine Richards (Director) $0 $0 $0
Sebastiano Spada (Chairman) $0 $0 $0
Deborah M Kennedy (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,050,677
Expenses
$6,627,846
Net Income
$422,831
Net Assets
$8,008,960
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,852,516
68.8%
Investment Income $127,186
1.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,070,975
29.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $432,529
6.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,647,923
24.9%
Assets/Debt
Total Assets $104,705,417
Total Liabilities $96,696,457
Net Assets $8,008,960

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,202,304
Expenses
$6,567,058
Net Income
$635,246
Net Assets
$7,625,163
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,958,339
68.8%
Investment Income $203,691
2.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $58,508
0.8%
Net Inventory Sales $0
Other Revenue $1,981,766
27.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $403,963
6.2%
Professional Fundraising Fees $0
Other Salaries and Wages $1,635,475
24.9%
Assets/Debt
Total Assets $103,486,901
Total Liabilities $95,861,738
Net Assets $7,625,163

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

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.

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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

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