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Access Community Credit Union

Organization summary

Type of Nonprofit

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

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$11.7M (2023)

Expenses
$11M (2023)

Total Assets
$195M (2023)

Total Liabilities
$174M (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
$11,699,207
Expenses
$11,011,528
Net Income
$687,679
Net Assets
$21,267,667
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,293,401
88.0%
Investment Income $1,398,306
12.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $7,500
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $442,009
4.0%
Professional Fundraising Fees $0
Other Salaries and Wages $3,103,602
28.2%
Assets/Debt
Total Assets $194,768,487
Total Liabilities $173,500,820
Net Assets $21,267,667
Compensation
Key Employees and Officers Compensation Related Other
John Hays (Presidentceo) $212,412 $0 $21,718
Brad Dewey (Executive Vice Presidentcfo) $197,380 $0 $20,377
Crissy Aleman (Svp Mortgage Lending) $152,298 $0 $13,440
Jason Felty (Svp Business Lending) $143,174 $0 $14,545
Lindsay Edwards (Svpclo) $121,981 $0 $2,470
Keith Hubbard (Svpco&Mo) $119,793 $0 $10,482
Shawna Bachman (Avp Mortgage Lending) $108,823 $0 $10,361
Jennifer Simms (Secretary) $0 $0 $0
Juanita Steinman (Advisory Director) $0 $0 $0
Michael Meil (Vice Chairman) $0 $0 $0
Duane Ripperger (Director) $0 $0 $0
Kris Bosley (Chairman) $0 $0 $0
Jeff Jackson (Treasurer) $0 $0 $0
Louise Ross (Advisory Director) $0 $0 $0
Scott Rosenbach (Director) $0 $0 $0
Todd Clark (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,208,327
Expenses
$9,000,341
Net Income
$207,986
Net Assets
$20,580,032
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,819,007
95.8%
Investment Income $374,320
4.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $15,000
0.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $464,314
5.2%
Professional Fundraising Fees $0
Other Salaries and Wages $3,031,402
33.7%
Assets/Debt
Total Assets $197,909,006
Total Liabilities $177,328,974
Net Assets $20,580,032
Compensation
Key Employees and Officers Compensation Related Other
John Hays (Presidentceo) $233,709 $0 $33,379
Brad Dewey (Executive Vice Presidentcfo) $186,796 $0 $32,084
Crissy Aleman (Vice President Mortgage Lend) $146,556 $0 $17,595
Jason Felty (Vice President Business Lend) $146,172 $0 $18,629
Shawna Bachman (Avp Mortgage Lending) $127,918 $0 $11,470
Lindsay Edwards (Vice President Consumer Lend) $122,487 $0 $2,361
Keith Hubbard (Vice President Service & Sal) $119,715 $0 $11,388
Dale Harper (Advisory Director) $0 $0 $0
Jennifer Simms (Advisory Director) $0 $0 $0
Juanita Steinman (Secretary) $0 $0 $0
Michael Meil (Vice Chairman) $0 $0 $0
Duane Ripperger (Director) $0 $0 $0
Kris Bosley (Chairman) $0 $0 $0
Jeff Jackson (Treasurer) $0 $0 $0
Louise Ross (Advisory Director) $0 $0 $0
Scott Rosenbach (Director) $0 $0 $0
Todd Clark (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,305,960
Expenses
$7,732,801
Net Income
$1,573,159
Net Assets
$20,376,960
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,257,063
99.5%
Investment Income $32,322
0.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $16,575
0.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $443,402
5.7%
Professional Fundraising Fees $0
Other Salaries and Wages $2,826,041
36.5%
Assets/Debt
Total Assets $156,272,170
Total Liabilities $135,895,210
Net Assets $20,376,960
Compensation
Key Employees and Officers Compensation Related Other
John Hays (Presidentceo) $234,801 $0 $23,897
Brad Dewey (Executive Vice Presidentcfo) $182,611 $0 $22,658
Crissy Aleman (Vice President Mortgage Lend) $154,156 $0 $14,684
Jason Felty (Vice President Business Lend) $133,668 $0 $15,580
Shawna Bachman (Avp Mortgage Lending) $125,003 $0 $14,091
Keith Hubbard (Vice President Service & Sal) $114,582 $0 $9,250
Lindsay Edwards (Vice President Consumer Lend) $111,536 $0 $2,203
Dale Harper (Advisory Director) $0 $0 $0
Jennifer Simms (Advisory Director) $0 $0 $0
Juanita Steinman (Secretary) $0 $0 $0
Michael Meil (Treasurer) $0 $0 $0
Duane Ripperger (Chairman) $0 $0 $0
Kris Bosley (Vice Chairman) $0 $0 $0
Jeff Jackson (Director) $0 $0 $0
Louise Ross (Advisory Director) $0 $0 $0
Scott Rosenbach (Director) $0 $0 $0
Todd Clark (Director) $0 $0 $0

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Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,108,187
Expenses
$7,243,697
Net Income
$864,490
Net Assets
$18,806,147
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,943,556
98.0%
Investment Income $142,362
1.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $22,269
0.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $405,319
5.6%
Professional Fundraising Fees $0
Other Salaries and Wages $2,253,791
31.1%
Assets/Debt
Total Assets $145,661,163
Total Liabilities $126,855,016
Net Assets $18,806,147
Compensation
Key Employees and Officers Compensation Related Other
John Hays (President/Ce) $212,220 $0 $21,833
Brad Dewey (Evp/Cfo) $169,886 $0 $20,677
Crissy Aleman (Vp, Mortgage) $145,072 $0 $13,164
Keith Hubbard (Vp, Service) $105,081 $0 $8,604
Lindsay Edwards (Vp, Consumer) $103,928 $0 $2,286
Kris Bosley (Vice Chairma) $0 $0 $0
Todd Clark (Director) $0 $0 $0
Dale Harper (Advisory Dir) $0 $0 $0
Jeff Jackson (Director) $0 $0 $0
Michael Meil (Treasurer) $0 $0 $0
Duane Ripperger (Chairman) $0 $0 $0
Scott Rosenbach (Director) $0 $0 $0
Louise Ross (Advisory Dir) $0 $0 $0
Jennifer Simms (Advisory Dir) $0 $0 $0
Juanita Steinman (Secretary) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,061,777
Expenses
$6,590,344
Net Income
$471,433
Net Assets
$17,940,702
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,618,524
93.7%
Investment Income $404,270
5.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $38,983
0.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $203,774
3.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,835,659
27.9%
Assets/Debt
Total Assets $128,502,423
Total Liabilities $110,561,721
Net Assets $17,940,702
Compensation
Key Employees and Officers Compensation Related Other
John Hays (President/Ceo) $192,486 $0 $20,654
Brad Dewey (Executive Vice President/Cfo) $154,862 $0 $20,298
Duane Ripperger (Chairman) $0 $0 $0
Kris Bosley (Vice Chairman) $0 $0 $0
Juanita Steinman (Secretary) $0 $0 $0
Michael Meil (Treasurer) $0 $0 $0
Todd Clark (Director) $0 $0 $0
Scott Rosenbach (Director) $0 $0 $0
Louise Ross (Director) $0 $0 $0
Dale Harper (Advisory Director) $0 $0 $0
Jeff Jackson (Advisory Director) $0 $0 $0
Jennifer Simms (Advisory Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,229,192
Expenses
$5,580,476
Net Income
$648,716
Net Assets
$17,472,394
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,897,160
94.7%
Investment Income $314,399
5.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $17,633
0.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $175,186
3.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,712,645
30.7%
Assets/Debt
Total Assets $122,775,938
Total Liabilities $105,303,544
Net Assets $17,472,394
Compensation
Key Employees and Officers Compensation Related Other
John Hays (President/Ceo) $165,504 $0 $18,582
Brad Dewey (Executive Vice President/Cfo) $144,632 $0 $18,073
Todd Clark (Chairman) $0 $0 $0
Duane Ripperger (Vice Chairman) $0 $0 $0
Kris Bosley (Secretary) $0 $0 $0
Louise Ross (Treasurer) $0 $0 $0
Scott Rosenbach (Director) $0 $0 $0
Michael Meil (Directory) $0 $0 $0
Juanita Steinman (Director) $0 $0 $0
Dale Harper (Advisory Director) $0 $0 $0
Jeff Jackson (Advisory Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,568,347
Expenses
$5,145,864
Net Income
$422,483
Net Assets
$16,836,348
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,218,967
93.7%
Investment Income $192,319
3.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $157,061
2.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $202,354
3.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,546,732
30.1%
Assets/Debt
Total Assets $118,125,998
Total Liabilities $101,289,650
Net Assets $16,836,348
Compensation
Key Employees and Officers Compensation Related Other
John Hays (President/Ceo) $127,200 $0 $16,688
Brad Dewey (Executive Vice President/Cfo) $127,200 $0 $16,551
Scott Davis (Chairman) $0 $0 $0
Todd Clark (Vice Chairman) $0 $0 $0
Chad Brown (Secretary) $0 $0 $0
Louise Ross (Treasurer) $0 $0 $0
Duane Ripperger (Director) $0 $0 $0
Dale Harper (Director) $0 $0 $0
Kris Bosley (Director) $0 $0 $0
Scott Rosenbach (Advisory Director) $0 $0 $0
Juanita Steinman (Advisory Director) $0 $0 $0
Michael Meil (Advisory Directory) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,167,534
Expenses
$4,757,693
Net Income
$409,841
Net Assets
$16,422,527
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,998,452
96.7%
Investment Income $169,082
3.3%
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 $131,207
2.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,543,953
32.5%
Assets/Debt
Total Assets $114,519,721
Total Liabilities $98,097,194
Net Assets $16,422,527
Compensation
Key Employees and Officers Compensation Related Other
Keith Watson (President/Ceo) $118,500 $0 $12,707
John Hays (Executive Vice President/Coo) $105,794 $0 $11,810
Scott Davis (Chairman) $0 $0 $0
Todd Clark (Vice Chairman) $0 $0 $0
Chad Brown (Secretary) $0 $0 $0
Louise Ross (Treasurer) $0 $0 $0
Duane Ripperger (Director) $0 $0 $0
Dale Harper (Director) $0 $0 $0
Freda Powell (Director) $0 $0 $0
Scott Rosenbach (Advisory Director) $0 $0 $0
Kris Bosley (Advisory Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,883,083
Expenses
$4,497,545
Net Income
$385,538
Net Assets
$16,020,223
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,709,973
96.5%
Investment Income $173,110
3.5%
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 $124,509
2.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,388,171
30.9%
Assets/Debt
Total Assets $109,938,525
Total Liabilities $93,918,302
Net Assets $16,020,223
Compensation
Key Employees and Officers Compensation Related Other
Keith Watson (President/Ceo) $112,631 $0 $11,878
Scott Davis (Chairman) $0 $0 $0
Todd Clark (Vice Chairman) $0 $0 $0
Chad Brown (Secretary) $0 $0 $0
Louise Ross (Treasurer) $0 $0 $0
Duane Ripperger (Director) $0 $0 $0
Dale Harper (Director) $0 $0 $0
Freda Powell (Director) $0 $0 $0
Scott Rosenbach (Advisory Director) $0 $0 $0
Kris Bosley (Advisory Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,684,428
Expenses
$4,077,281
Net Income
$607,147
Net Assets
$15,648,247
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,555,020
97.2%
Investment Income $129,408
2.8%
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 $117,205
2.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,291,134
31.7%
Assets/Debt
Total Assets $104,355,529
Total Liabilities $88,707,282
Net Assets $15,648,247
Compensation
Key Employees and Officers Compensation Related Other
Keith Watson (President/Ceo) $106,758 $0 $10,447
Duane Ripperger (Chairman) $0 $0 $0
Scott Davis (Vice Chairman) $0 $0 $0
Freda Powell (Secretary) $0 $0 $0
Scott Rosenbach (Treasurer) $0 $0 $0
Louise Ross (Director) $0 $0 $0
Dale Harper (Director) $0 $0 $0
Todd Clark (Director) $0 $0 $0
Chad Brown (Advisory Director) $0 $0 $0
Kris Bosley (Advisory Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,361,569
Expenses
$3,715,253
Net Income
$646,316
Net Assets
$15,040,134
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,226,348
96.9%
Investment Income $135,221
3.1%
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 $111,454
3.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,067,299
28.7%
Assets/Debt
Total Assets $96,323,102
Total Liabilities $81,282,968
Net Assets $15,040,134
Compensation
Key Employees and Officers Compensation Related Other
Keith Watson (President/Ceo) $100,765 $0 $10,689
Duane Ripperger (Chairman) $0 $0 $0
Scott Davis (Vice Chairman) $0 $0 $0
Freda Powell (Secretary) $0 $0 $0
Scott Rosenbach (Treasurer) $0 $0 $0
Louise Ross (Director) $0 $0 $0
Dale Harper (Director) $0 $0 $0
Todd Clark (Director) $0 $0 $0
Chad Brown (Advisory Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,243,484
Expenses
$3,275,473
Net Income
$968,011
Net Assets
$14,407,482
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,084,565
96.3%
Investment Income $158,919
3.7%
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 $109,360
3.3%
Professional Fundraising Fees $0
Other Salaries and Wages $979,761
29.9%
Assets/Debt
Total Assets $90,565,246
Total Liabilities $76,157,764
Net Assets $14,407,482

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,088,703
Expenses
$3,254,826
Net Income
$833,877
Net Assets
$13,445,345
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,821,425
93.5%
Investment Income $267,278
6.5%
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 $103,106
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $898,111
27.6%
Assets/Debt
Total Assets $84,999,991
Total Liabilities $71,554,646
Net Assets $13,445,345

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.

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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