PROPUBLICA Fearless Reporting for an Informed Society — Join Us.
DONATE
Skip to content
ProPublica Donate
ProPublica Donate

Credit Unions Chartered In The State Of Colorado

240 Community Choice 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.

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
$4.92M (2023)

Expenses
$3.93M (2023)

Total Assets
$98.9M (2023)

Total Liabilities
$84.5M (2023)

Years with missing data
Source: Form 990 tax filings from 2011 to 2023

Tax Filings and Audits 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.

Audits are required to be submitted by nonprofit organizations that spend $750,000 or more in federal grant money in a fiscal year. "Single audits" look at the entire organization's finances and compliance, while other audits are program specific. Nonprofit Explorer has PDFs of audits for some nonprofits for fiscal year 2015 and later. Audit data is from the Federal Audit Clearinghouse.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,922,275
Expenses
$3,929,566
Net Income
$992,709
Net Assets
$14,421,606
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,730,499
75.8%
Investment Income $987,280
20.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $65,797
1.3%
Net Inventory Sales $0
Other Revenue $138,699
2.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $674,692
17.2%
Professional Fundraising Fees $0
Other Salaries and Wages $691,186
17.6%
Assets/Debt
Total Assets $98,890,399
Total Liabilities $84,468,793
Net Assets $14,421,606
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $303,205 $0 $51,027
Keli Ginter (Coo) $131,446 $0 $24,014
Loretta Thomas (Cfo) $120,210 $0 $22,786
Michelle Craft (Cio) $119,831 $0 $22,774
Debra Larsen (Chairperson) $0 $0 $0
Donald May (Vice Chairperson) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Joe Holeman (Secretary) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Dale Mingilton (Director) $0 $0 $0
George Last (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,701,255
Expenses
$3,394,264
Net Income
$306,991
Net Assets
$13,497,918
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,091,867
83.5%
Investment Income $548,856
14.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$1,239
Net Inventory Sales $0
Other Revenue $61,771
1.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $563,744
16.6%
Professional Fundraising Fees $0
Other Salaries and Wages $832,992
24.5%
Assets/Debt
Total Assets $103,995,358
Total Liabilities $90,497,440
Net Assets $13,497,918
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $243,373 $0 $43,706
Keli Ginter (Coo) $114,209 $0 $21,640
Loretta Thomas (Cfo) $103,601 $0 $21,052
Michelle Craft (Cio) $102,561 $0 $20,827
Debra Larsen (Chairperson) $0 $0 $0
Donald May (Vice Chairperson) $0 $0 $0
Barbara Peters (Secretary) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Joe Holeman (Director) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Dale Mingilton (Director) $0 $0 $0
George Last (Director) $0 $0 $0
Miguel Garcia (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,746,307
Expenses
$3,737,619
Net Income
$8,688
Net Assets
$13,190,927
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,968,487
79.2%
Investment Income $236,699
6.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $462,088
12.3%
Net Inventory Sales $0
Other Revenue $79,033
2.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $554,196
14.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,048,844
28.1%
Assets/Debt
Total Assets $105,371,750
Total Liabilities $92,180,823
Net Assets $13,190,927
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $234,048 $0 $49,738
Keli Ginter (Coo) $112,883 $0 $20,727
Loretta Thomas (Cfo) $105,311 $0 $21,882
Michelle Craft (Cio) $101,954 $0 $26,639
Debra Larsen (Chairperson) $0 $0 $0
Jerry Smittkamp (Vice Chairperson) $0 $0 $0
Barbara Peters (Secretary) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Joe Holeman (Director) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Donald May (Director) $0 $0 $0
George Last (Director) $0 $0 $0
Miguel Garcia (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,862,524
Expenses
$2,787,697
Net Income
$74,827
Net Assets
$9,713,390
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,458,770
85.9%
Investment Income $400,246
14.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,508
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $682,972
24.5%
Professional Fundraising Fees $0
Other Salaries and Wages $541,735
19.4%
Assets/Debt
Total Assets $68,406,486
Total Liabilities $58,693,096
Net Assets $9,713,390
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $237,535 $0 $50,000
Kelli Ginter (Coo) $117,127 $0 $20,959
Loretta Thomas (Cfo) $105,098 $0 $21,604
Michelle Craft (Cio) $104,028 $0 $16,221
Debra Larsen (Chairperson) $0 $0 $0
Jerry Smittkamp (Vice Chairperson) $0 $0 $0
Barbara Peters (Secretary) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Joe Holeman (Director) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Donald May (Directoy) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,315,730
Expenses
$2,896,992
Net Income
$418,738
Net Assets
$9,638,563
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,760,194
83.2%
Investment Income $547,796
16.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $7,740
0.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $570,119
19.7%
Professional Fundraising Fees $0
Other Salaries and Wages $562,450
19.4%
Assets/Debt
Total Assets $61,340,752
Total Liabilities $51,702,189
Net Assets $9,638,563
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $261,692 $0 $46,589
Kelli Ginter (Coo) $110,202 $0 $18,090
Cathy Hebert (Cfo) $109,952 $0 $23,594
Debra Larsen (Chairperson) $0 $0 $0
Jerry Smittkamp (Vice Chairperson) $0 $0 $0
Barbara Peters (Secretary) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Joe Holeman (Director) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Donald May (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,174,434
Expenses
$2,633,702
Net Income
$540,732
Net Assets
$9,219,825
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,718,888
85.6%
Investment Income $446,307
14.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $9,239
0.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $568,316
21.6%
Professional Fundraising Fees $0
Other Salaries and Wages $562,945
21.4%
Assets/Debt
Total Assets $61,286,168
Total Liabilities $52,066,343
Net Assets $9,219,825
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $643,179 $0 $44,455
Kelli Ginter (Coo) $110,603 $0 $17,555
Cathy Hebert (Cfo) $110,353 $0 $22,171
Debra Larsen (Chairperson) $0 $0 $0
Jerry Smittkamp (Vice Chairperson) $0 $0 $0
Barbara Peters (Secretary) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Joe Holeman (Director) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Donald May (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,068,735
Expenses
$2,515,226
Net Income
$553,509
Net Assets
$8,679,093
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,706,512
88.2%
Investment Income $245,267
8.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,200
0.0%
Net Inventory Sales $0
Other Revenue $115,756
3.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $468,967
18.6%
Professional Fundraising Fees $0
Other Salaries and Wages $567,006
22.5%
Assets/Debt
Total Assets $57,748,349
Total Liabilities $49,069,256
Net Assets $8,679,093
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $249,604 $0 $26,210
Kelli Ginter (Coo) $113,233 $0 $12,173
Cathy Hebert (Cfo) $106,130 $0 $11,463
Debra Larsen (Chairperson) $0 $0 $0
Jerry Smittkamp (Vice Chairperson) $0 $0 $0
Barbara Peters (Secretary) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Joe Holeman (Director) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Donald May (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,224,204
Expenses
$3,195,872
Net Income
$28,332
Net Assets
$8,125,583
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,953,246
91.6%
Investment Income $260,708
8.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $350
0.0%
Net Inventory Sales $0
Other Revenue $9,900
0.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $419,477
13.1%
Professional Fundraising Fees $0
Other Salaries and Wages $611,086
19.1%
Assets/Debt
Total Assets $56,120,315
Total Liabilities $47,994,732
Net Assets $8,125,583
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $217,419 $0 $22,743
Cathy Hebert (Cfo) $102,217 $0 $10,844
Kelli Ginter (Coo) $99,841 $0 $10,606
Debra Larsen (Chairperson) $0 $0 $0
Jerry Smittkamp (Vice Chairperson) $0 $0 $0
Barbara Peters (Secretary) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Joe Holeman (Director) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Donald May (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,629,850
Expenses
$2,733,815
Net Income
-$103,965
Net Assets
$8,097,252
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,365,058
89.9%
Investment Income $253,113
9.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $160
0.0%
Net Inventory Sales $0
Other Revenue $11,519
0.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $372,014
13.6%
Professional Fundraising Fees $0
Other Salaries and Wages $615,230
22.5%
Assets/Debt
Total Assets $56,208,111
Total Liabilities $48,110,859
Net Assets $8,097,252
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $187,509 $0 $10,377
Cathy Hebert (Cfo) $95,552 $0 $5,398
Kelli Ginter (Coo) $88,953 $0 $5,070
Debra Larsen (Chairperson) $0 $0 $0
Jerry Smittkamp (Vice Chairperson) $0 $0 $0
Barbara Peters (Secretary) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Charles Baker (Director) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Joe Holeman (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

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.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,167,224
Expenses
$1,778,761
Net Income
$388,463
Net Assets
$4,640,570
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,004,564
92.5%
Investment Income $143,357
6.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $165
0.0%
Net Inventory Sales $0
Other Revenue $19,138
0.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $337,965
19.0%
Professional Fundraising Fees $0
Other Salaries and Wages $289,573
16.3%
Assets/Debt
Total Assets $38,445,010
Total Liabilities $33,804,440
Net Assets $4,640,570
Compensation
Key Employees and Officers Compensation Related Other
Rainy Thoen (Ceo) $171,045 $0 $25,367
Kelli Ginter (Coo) $83,797 $0 $10,609
Cathy Hebert (Cfo) $83,123 $0 $14,593
Debra Larsen (Chairperson) $0 $0 $0
Jerry Smittkamp (Vice Chairperson) $0 $0 $0
Barbara Peters (Secretary) $0 $0 $0
Karl White (Treasurer) $0 $0 $0
Charles Baker (Director) $0 $0 $0
Jack Hagaman (Director) $0 $0 $0
Joe Holeman (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,168,602
Expenses
$1,875,134
Net Income
$293,468
Net Assets
$4,127,239
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,031,275
93.7%
Investment Income $137,327
6.3%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $613,638
32.7%
Assets/Debt
Total Assets $36,723,511
Total Liabilities $32,596,272
Net Assets $4,127,239

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,243,709
Expenses
$1,808,188
Net Income
$435,521
Net Assets
$3,833,771
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,122,610
94.6%
Investment Income $121,099
5.4%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $557,893
30.9%
Assets/Debt
Total Assets $36,204,541
Total Liabilities $32,370,770
Net Assets $3,833,771

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

Fiscal Year Ending Dec.
2006

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.

API

The data powering this website is available programmatically, via an API. Read the API documentation »