Consumers Credit Union
Lake Forest, IL · EIN 36-1936022 · Rank 2,231 by total revenue
Consumers CU has been member owned since 1930. Currently we have 279,428 members. We provide lower loan rates, higher savings rates, lower fees and other financial services to our members to help them achieve their financial success. The People in your Corner.
Money, Form 990 for tax year 2025
- Total revenue
- $290,551,382
- Total expenses
- $262,766,147
- Total assets
- $4,502,117,632
- Salary base (all salaries and wages)
- $54,808,953
- Salaries, other pay and benefits
- $58,337,563
- Employees
- 698
- Salary base per employee
- $78,523
"Salary base" is Form 990 Part IX lines 5 to 7. "Employees" is everyone who got a W-2 that year, full or part time. Form 990-EZ and 990-PF report pay differently; see About the data.
Leadership (29)
| Name | Title | Role | Hours/week | Total pay |
|---|---|---|---|---|
| Sean Rathjen | CEO | Officer, Highly paid employee | 40 | $2,055,997 |
| Sean Bowers | CFO | Officer, Highly paid employee | 40 | $651,366 |
| Adam Saper | CLO | Key employee, Highly paid employee | 40 | $680,780 |
| Dan Nerroth | CIO/COO | Key employee, Highly paid employee | 40 | $633,378 |
| Dave Valentine | Chief Experience Officer/CLO | Key employee, Highly paid employee | 40 | $579,465 |
| Cheryl Kubas | CPO | Key employee, Highly paid employee | 40 | $509,930 |
| MaryFran Callahan | CRO | Key employee, Highly paid employee | 40 | $486,962 |
| Scott Drabicki | Board of Director - Chairperson | Board | 2 | None reported |
| John Fiore | Board of Director - Vice Chairperson | Board | 2 | None reported |
| Frank Soyka | Board of Director - Treasurer | Board | 2 | None reported |
| Denise Charts | Board of Director - Secretary | Board | 2 | None reported |
| Kenneth Robinson | Board of Director - Supervisory Committee Chairperson | Board | 1 | None reported |
| John Janezic | Board of Director | Board | 1 | None reported |
| Francine Frankie Masi | Board of Director | Board | 1 | None reported |
| William Attea | Board of Director | Board | 1 | None reported |
| Spirdoula Mavrothalastis | Board of Director | Board | 1 | None reported |
| Bob Hubberts | Board of Director - Finance Committee Chairperson | Board | 1 | None reported |
| Saba Shibberu | Committee Member | Board | 1 | None reported |
| Demar Harris | Board of Director - At Large | Board | 2 | None reported |
| James Mahnich Sr | Associate Director | Board | 1 | None reported |
| George Abraham | Associate Director | Board | 1 | None reported |
| Derek Christopher | Associate Director | Board | 1 | None reported |
| Dr Angela Smith | Board of Director | Board | 1 | None reported |
| David Kintz | Board of Director | Board | 1 | None reported |
| Miten Champaneri | Associate Director | Board | 1 | None reported |
| Melanie Meidel | Board Member | Board | 1 | None reported |
| James Roche | Committee Members | Board | 0.25 | None reported |
| Tricia Strong | Committee Member | Board | 1 | None reported |
| Nick Espinosa | Board Member | Board | 1 | None reported |
Top 10 paid people listed
These 10 people received $7,289,294, which is 13.3% of the $54,808,953 salary base shared by 698 employees.
| Name | Title | Role | Hours/week | From this org | From related orgs | Other pay | Total |
|---|---|---|---|---|---|---|---|
| Sean Rathjen | CEO | Officer, Highly paid employee | 40 | $2,029,463 | $0 | $26,534 | $2,055,997 |
| Michael Murphy | President | Highly paid employee, Former | 0 | $805,321 | $0 | $21,805 | $827,126 |
| Adam Saper | CLO | Key employee, Highly paid employee | 40 | $672,003 | $0 | $8,777 | $680,780 |
| Sean Bowers | CFO | Officer, Highly paid employee | 40 | $629,690 | $0 | $21,676 | $651,366 |
| Dan Nerroth | CIO/COO | Key employee, Highly paid employee | 40 | $602,110 | $0 | $31,268 | $633,378 |
| Dave Valentine | Chief Experience Officer/CLO | Key employee, Highly paid employee | 40 | $546,556 | $0 | $32,909 | $579,465 |
| Cheryl Kubas | CPO | Key employee, Highly paid employee | 40 | $501,731 | $0 | $8,199 | $509,930 |
| MaryFran Callahan | CRO | Key employee, Highly paid employee | 40 | $478,046 | $0 | $8,916 | $486,962 |
| John Pawlowski | VP Accounting | Highly paid employee | 40 | $441,180 | $0 | $25,108 | $466,288 |
| Matt Hancock | VP Commercial | Highly paid employee | 40 | $387,298 | $0 | $10,704 | $398,002 |
Sources
- IRS e-file return 202621349349311672 (Form 990, period ending 2025-12-31): readable copy at ProPublica Nonprofit Explorer
- IRS Tax Exempt Organization Search for EIN 36-1936022
- Organization website (as filed): www.myconsumers.org