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Credit Unions Chartered In The State Of Colorado

273 Ent Federal 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
$406M (2022)

Expenses
$334M (2022)

Total Assets
$9.8B (2022)

Total Liabilities
$8.91B (2022)

Source: Form 990 tax filings from 2016 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
$406,110,668
Expenses
$334,117,318
Net Income
$71,993,350
Net Assets
$892,087,679
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $374,507,524
92.2%
Investment Income $15,506,730
3.8%
Bond Proceeds $0
Royalties $541,362
0.1%
Rental Property Income $63,808
0.0%
Net Fundraising $0
Sales of Assets $2,125,675
0.5%
Net Inventory Sales $0
Other Revenue $13,365,569
3.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $11,094,426
3.3%
Professional Fundraising Fees $0
Other Salaries and Wages $118,712,437
35.5%
Assets/Debt
Total Assets $9,803,426,888
Total Liabilities $8,911,339,209
Net Assets $892,087,679
Compensation
Key Employees and Officers Compensation Related Other
Graves Chad M (President/Ceo) $2,803,272 $0 $45,352
Dombrowski Stephanie S (Mgr Producing Mlo) $1,278,877 $0 $44,370
Gendron Matthew J (Chief Engagement Officer) $981,785 $0 $40,686
Scholes Richard A (Chief Experience Officer) $980,374 $0 $44,122
Bell Mollie B (Chief Development Officer) $835,431 $0 $35,642
Coon Mary J (Chief Financial Officer) $779,486 $0 $36,088
Kellner Robert C (Chief Risk Officer) $775,977 $0 $44,122
Marshall Christopher J (Chief Technology Officer) $764,671 $0 $33,930
Vogeney William D (Chief Revenue Officer) $763,622 $0 $40,686
Sussman Jennifer S (Chief Marketing Officer) $753,472 $0 $45,352
Paukovich Jon A (Chief Lending Officer) $723,487 $0 $45,352
Flanagan Sharie K (Svp Human Resources) $671,789 $0 $36,041
Stange Shirley D (Mort Loan Officer Ext) $657,295 $0 $39,449
Allman Gina L (Mort Loan Officer Ext) $627,936 $0 $44,427
Bechtel Thomas (Mort Loan Officer Ext) $511,102 $0 $29,303
Ayen William (Chairman) $66,739 $0 $0
Nicholson Pam (Vice Chairman) $63,500 $0 $0
Chandler Debbie (Treasurer) $62,388 $0 $0
Vadala Chris (Secretary) $61,000 $0 $0
Martinez Ron (Director) $59,295 $0 $0
Drummer Tim (Director) $57,095 $0 $0
Kalletta Richard (Director) $56,498 $0 $0
Glover Walter (Director) $55,000 $0 $0
Henz Kay (Director) $40,000 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$326,625,920
Expenses
$273,872,799
Net Income
$52,753,121
Net Assets
$875,681,394
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $299,126,883
91.6%
Investment Income $6,332,999
1.9%
Bond Proceeds $0
Royalties $524,926
0.2%
Rental Property Income $58,784
0.0%
Net Fundraising $0
Sales of Assets $311,108
0.1%
Net Inventory Sales $0
Other Revenue $20,271,220
6.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $9,760,695
3.6%
Professional Fundraising Fees $0
Other Salaries and Wages $94,730,676
34.6%
Assets/Debt
Total Assets $8,749,547,485
Total Liabilities $7,873,866,091
Net Assets $875,681,394
Compensation
Key Employees and Officers Compensation Related Other
Graves Chad M (President / Ceo) $1,660,618 $0 $56,354
Dombrowski Stephanie S (Mgr Producing Mlo) $1,536,959 $0 $33,238
Stange Shirley D (Mort Loan Officer Ext) $1,033,037 $0 $33,238
Gendron Matthew J (Chief Engagement Officer) $978,790 $0 $52,800
Allman Gina L (Mort Loan Officer Ext) $916,721 $0 $32,818
Scholes Richard A (Chief Experience Officer) $895,125 $0 $35,638
Marshall Christopher J (Chief Technology Officer) $745,163 $0 $52,510
Coon Mary J (Chief Financial Officer) $732,877 $0 $48,685
Bell Mollie B (Chief Development Officer) $728,293 $0 $35,656
Vogeney William D (Chief Revenue Officer) $720,077 $0 $50,803
Gradisar Suzanne (Mort Loan Officer Ext) $719,265 $0 $31,317
Kellner Robert C (Chief Risk Officer) $642,367 $0 $50,068
Flanagan Sharie K (Svp Human Resources) $632,326 $0 $48,861
Bechtel Thomas (Mort Loan Officer Ext) $568,332 $0 $27,272
Paukovich Jon A (Chief Lending Officer) $531,885 $0 $35,602
Sussman Jennifer S (Chief Marketing Officer) $526,710 $0 $54,393
Martinez Ron (Director) $56,647 $0 $0
Ayen William (Chairman) $55,881 $0 $0
Nicholson Pam (Vice Chairman) $55,774 $0 $0
Vadala Chris (Secretary) $52,341 $0 $0
Chandler Debbie (Treasurer) $50,763 $0 $0
Glover Walter (Director) $47,613 $0 $0
Kalletta Richard (Director) $47,462 $0 $0
Drummer Tim (Director) $46,713 $0 $0
Vaughan Meredith (Director (Through 5/21)) $27,500 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$285,590,472
Expenses
$253,933,673
Net Income
$31,656,799
Net Assets
$830,582,339
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $262,854,803
92.0%
Investment Income $6,948,022
2.4%
Bond Proceeds $0
Royalties $428,131
0.1%
Rental Property Income $63,859
0.0%
Net Fundraising $0
Sales of Assets -$284,621
Net Inventory Sales $0
Other Revenue $15,580,278
5.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $8,880,775
3.5%
Professional Fundraising Fees $0
Other Salaries and Wages $73,633,007
29.0%
Assets/Debt
Total Assets $7,489,436,406
Total Liabilities $6,658,854,067
Net Assets $830,582,339
Compensation
Key Employees and Officers Compensation Related Other
Dombrowski Stephanie S (Mgr Producing Mlo) $1,503,690 $0 $32,368
Graves Chad M (President / Ceo) $1,228,297 $0 $55,484
Gendron Matthew J (Chief Engagement Officer) $908,283 $0 $52,052
Scholes Richard A (Chief Experience Officer) $799,072 $0 $35,984
Allman Gina L (Mlo) $766,687 $0 $31,948
Coon Mary J (Chief Financial Officer) $714,095 $0 $47,770
Vogeney William D (Chief Revenue Officer) $709,986 $0 $51,740
Marshall Christopher J (Chief Technology Officer) $704,954 $0 $46,697
Bell Mollie B (Chief Development Officer) $691,241 $0 $24,801
Benedetti Brett M (Mgr Producing Mlo) $690,591 $0 $30,277
Stange Shirley D (Mlo) $662,423 $0 $28,699
Greenwood Mary A (Mgr Producing Mlo) $641,978 $0 $26,715
Flanagan Sharie K (Svp Human Resources) $634,502 $0 $48,290
Paukovich Jon A (Chief Lending Officer) $510,641 $0 $33,028
Sussman Jennifer S (Chief Marketing Officer) $490,169 $0 $16,241
Schneider Clinton C (Former Chief Risk Officer (11/1/19)) $331,189 $0 $0
Kellner Robert C (Chief Risk Officer) $326,163 $0 $27,685
Martinez Ron (Cfa / Chairman) $56,332 $0 $0
Ayen William (Board Treasurer) $46,831 $0 $0
Nicholson Pam (Vice Chairman) $46,111 $0 $0
Chandler Debbie (Board Member) $42,942 $0 $0
Vadala Chris (Board Secretary) $42,500 $0 $0
Kalletta Richard (Board Member) $40,605 $0 $0
Drummer Tim (Board Member) $39,535 $0 $0
Vaughan Meredith (Board Member) $39,404 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$285,571,543
Expenses
$216,153,465
Net Income
$69,418,078
Net Assets
$794,231,163
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $250,338,468
87.7%
Investment Income $14,538,540
5.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $62,784
0.0%
Net Fundraising $0
Sales of Assets $1,165,872
0.4%
Net Inventory Sales $0
Other Revenue $19,465,879
6.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $9,161,432
4.2%
Professional Fundraising Fees $0
Other Salaries and Wages $56,313,957
26.1%
Assets/Debt
Total Assets $6,685,914,011
Total Liabilities $5,891,682,848
Net Assets $794,231,163
Compensation
Key Employees and Officers Compensation Related Other
Graves Chad M (President / Ceo) $1,426,363 $0 $34,743
Vogeney William D (Chief Revenue Officer) $905,202 $0 $50,044
Coon Mary J (Chief Financial Officer) $891,404 $0 $48,055
Gendron Matthew J (Chief Engagement Officer) $835,381 $0 $50,514
Paukovich Jon A (Chief Lending Officer) $793,264 $0 $34,323
Dombrowski Stephanie S (Mlo) $790,902 $0 $31,623
Scholes Richard A (Chief Experience Officer) $736,866 $0 $34,743
Marshall Christopher J (Chief Technology Officer) $657,305 $0 $45,510
Bell Mollie B (Chief Development Officer) $651,668 $0 $6,563
Schneider Clinton C (Chief Risk Officer (Through 11/1/19)) $559,746 $0 $48,126
Flanagan Sharie K (Svp Human Resources) $527,272 $0 $47,855
Stange Shirley D (Mlo) $449,545 $0 $25,335
Bechtel Thomas (Mlo) $403,994 $0 $27,139
Greenwood Mary A (Mlo) $376,443 $0 $25,602
Callens Joshua M (Mlo) $343,370 $0 $29,072
Winter Barbara J (Chief Community Officer (Through 1/4/19)) $272,203 $0 $13,650
Sussman Jennifer S (Chief Marketing Officer) $264,147 $0 $1,869
Martinez Ron (Cfa / Chairman) $36,759 $0 $0
Glover Walter (Board Member) $27,607 $0 $0
Kalletta Richard (Board Member) $27,468 $0 $0
Ayen William (Board Treasurer) $25,657 $0 $0
Drummer Tim (Board Member) $23,578 $0 $0
Chandler Debbie (Board Member) $23,083 $0 $0
Nicholson Pam (Vice Chairman) $21,955 $0 $0
Vadala Chris (Board Secretary) $18,936 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$244,756,615
Expenses
$186,430,088
Net Income
$58,326,527
Net Assets
$719,973,789
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $211,130,761
86.3%
Investment Income $25,620,702
10.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $118,177
0.0%
Net Fundraising $0
Sales of Assets -$184,417
Net Inventory Sales $0
Other Revenue $8,071,392
3.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $8,969,201
4.8%
Professional Fundraising Fees $0
Other Salaries and Wages $36,531,518
19.6%
Assets/Debt
Total Assets $5,567,859,600
Total Liabilities $4,847,885,811
Net Assets $719,973,789
Compensation
Key Employees and Officers Compensation Related Other
Chad Graves (President/Ceo) $1,218,130 $0 $488,625
Matthew Gendron (Chief Engagement Officer) $987,542 $0 $41,274
William Vogeney (Chief Revenue Officer) $864,418 $0 $117,965
Mary Coon (Chief Financial Officer) $848,481 $0 $114,818
Clint Schneider (Chief Risk Officer) $710,461 $0 $50,557
Rich Scholes (Chief Experience Officer) $667,804 $0 $77,042
Chris Marshall (Chief Technology Officer) $620,202 $0 $51,097
Stephanie Dombrowski (Mlo) $524,718 $0 $31,017
Sharie Flanagan (Svp Human Resources) $515,992 $0 $46,757
Wayne Paton (Svp Commercial Banking) $478,388 $0 $17,140
Jon Paukovich (Chief Lending Officer) $436,395 $0 $156,867
Barbara Winter (Chief Community Officer) $358,080 $0 $34,372
Randy Bernstein (Former President/Ceo Through 10/4/17) $331,331 $0 $10,223
Gina Allman (Mlo) $300,888 $0 $25,730
Tony Sloan (Mlo) $265,028 $0 $27,591
Shirley Stange (Mlo) $260,072 $0 $23,403
Thomas Bechtel (Mlo) $258,850 $0 $20,670
Ronald Martinez (Board Treasurer) $17,053 $0 $0
Walter Glover (Board Member) $14,354 $0 $0
Debbie Chandler (Board Member) $8,997 $0 $0
William Ayen (Vice Chair) $8,322 $0 $0
Steven R Fuscher (Chair) $6,432 $0 $0
Richard Kalletta (Board Member) $6,365 $0 $0
Pam Nicholson (Board Member) $2,930 $0 $0
Chris Vadala (Board Secretary) $1,206 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$210,276,767
Expenses
$155,397,543
Net Income
$54,879,224
Net Assets
$650,272,164
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $185,161,513
88.1%
Investment Income $18,624,009
8.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $154,323
0.1%
Net Fundraising $0
Sales of Assets $33,867
0.0%
Net Inventory Sales $0
Other Revenue $6,303,055
3.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $6,446,562
4.1%
Professional Fundraising Fees $0
Other Salaries and Wages $31,893,338
20.5%
Assets/Debt
Total Assets $5,053,221,792
Total Liabilities $4,402,949,628
Net Assets $650,272,164
Compensation
Key Employees and Officers Compensation Related Other
Randy Bernstein (President/Ceo Through 10/4/17) $1,655,088 $0 $49,105
Chad Graves Formerly Sr Evp Ops (President/Ceo As Of 10/4/17) $709,541 $0 $26,519
William Vogeney (Chief Revenue Officer) $674,335 $0 $50,352
Mary Coon (Chief Financial Officer) $600,644 $0 $20,311
Stephanie Dombrowski (Mlo) $532,607 $0 $23,919
Matthew Gendron (Chief Engagement Officer) $365,947 $0 $30,722
Barbara Winter (Chief Community Officer) $335,126 $0 $34,418
Chris Marshall (Chief Technology Officer) $314,946 $0 $32,400
Jon Paukovich (Chief Lending Officer) $309,620 $0 $31,519
Keri Bills (Mlo) $308,962 $0 $21,805
Gina Allman (Mlo) $292,810 $0 $16,110
Clint Schneider (Chief Risk Officer) $286,609 $0 $33,272
Thomas Bechtel (Mlo) $275,707 $0 $19,632
Tony Sloan (Mlo) $273,717 $0 $28,122
Sheri Flanagan (Svp Human Resources) $264,286 $0 $34,511
Wayne Paton (Svp Commercial Banking) $243,559 $0 $35,211
Rich Scholes (Chief Experience Officer) $233,887 $0 $8,511
Ron Martinez (Board Treasurer) $13,331 $0 $0
Walter Glover (Board Member) $12,239 $0 $0
Stephen Fuscher (Board Chair As Of 9/30/17) $6,615 $0 $0
William Ayen (Board Member) $6,526 $0 $0
Steven Ducoff (Board Secretary Through 8/29/17) $5,735 $0 $0
Richard Kalletta (Board Member) $5,012 $0 $0
Debbie Chandler (Board Member) $4,234 $0 $0
Luis Velez (Board Member Through 9/30/17) $3,904 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$185,714,412
Expenses
$129,303,917
Net Income
$56,410,495
Net Assets
$593,981,412
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $167,763,824
90.3%
Investment Income $9,741,364
5.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $156,633
0.1%
Net Fundraising $0
Sales of Assets $331,146
0.2%
Net Inventory Sales $0
Other Revenue $7,721,445
4.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $4,503,642
3.5%
Professional Fundraising Fees $0
Other Salaries and Wages $36,993,740
28.6%
Assets/Debt
Total Assets $4,739,287,724
Total Liabilities $4,145,306,312
Net Assets $593,981,412
Compensation
Key Employees and Officers Compensation Related Other
Randy Bernstein (President/Ceo) $1,100,982 $0 $299,625
Stephanie Dombrowski (Mlo) $494,424 $0 $20,284
William Vogeney (Srevp Fin/Loans) $491,165 $0 $111,571
Mary Coon (Evp/Cfo) $440,967 $0 $106,257
Chad Graves (Srevp Ops/Tech) $412,774 $0 $150,963
Matthew Gendron (Evp/Ops) $312,419 $0 $29,660
Barbara Winter (Evp/Org Resources) $298,266 $0 $34,015
Gina Allman (Mlo) $276,661 $0 $14,118
Thomas Bechtel (Mlo) $275,188 $0 $19,497
Jon Paukovich (Svp/Clo) $275,005 $0 $80,973
Keri Gass (Mlo) $272,343 $0 $21,532
Clinton Schneider (Svp/Chief Audit/Risk Officer) $270,077 $0 $28,458
Chris Marshall (Svp/Cio) $267,253 $0 $39,660
Ron Martinez (Board Treasurer) $10,479 $0 $0
Walter Glover (Board Member) $9,369 $0 $0
Steven Ducoff (Board Secretary) $8,219 $0 $0
Richard Kalletta (Board Member) $7,017 $0 $0
Stephen Fuscher (Board Vice Chair) $4,955 $0 $0
William Ayen (Board Member) $4,153 $0 $0
Luis Velez (Board Member) $4,044 $0 $0
Lori Kurtz (Board Chair) $2,497 $0 $0
Meredith Vaughan (Board Member) $1,354 $0 $0

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 Aug.
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.
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

Fiscal Year Ending Dec.
2004

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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