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Compensation 990 is an independent service that uses public IRS Form 990 filings as its source data. We clean and standardize this information, but the original filings may contain errors or omissions. Years on this site refer to the organization’s fiscal year end date on the filing.

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Employees Monterra Credit Union Cheryl Rayo

Cheryl Rayo

Key employee

Vice President, Real Estate Lending at Monterra Credit Union

Fiscal year ended December 31, 2024. Published on January 25, 2026.

$244,826
2024

Total compensation

Cheryl Rayo has been listed as an employee of Monterra Credit Union in Form 990 filings since at least fiscal year 2016. Total compensation for Cheryl Rayo has increased by 86.3% from 2016 to 2024.

Annual compensation details

$244,826
+11.6%
Vice President, Real Estate Lending
2024
$223k
40 hrs/wk
$23k
--
$219,390
-2.4%
Vice President, Real Estate Lending
2023
$210k
40 hrs/wk
$11k
--
$224,683
+25%
Vice President, Real Estate Lending
2022
$216k
40 hrs/wk
$10k
--
$179,780
+0.8%
AVP REAL Estate
2021
$172k
40 hrs/wk
$9k
--
$178,339
+4.5%
AVP REAL Estate
2020
$171k
40 hrs/wk
$8k
--
$170,722
-0.3%
AVP REAL Estate
2019
$158k
40 hrs/wk
$14k
--
$171,279
+20.8%
AVP REAL Estate
2018
$153k
40 hrs/wk
$19k
--
$141,801
+7.9%
AVP REAL Estate
2017
$127k
40 hrs/wk
$16k
--
$131,389
Mortgage Orgination Manager
2016
$113k
40 hrs/wk
$19k
--

Total compensation by year

Compare the compensation of Cheryl Rayo to:

Revisions to this profile

January 25, 2026:
2024 Monterra Credit Union 990 published
January 25, 2026:
2023 Monterra Credit Union 990 published
January 25, 2026:
2022 Monterra Credit Union 990 published

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2024

Other employees at Monterra Credit Union

Wade Painter
President and Chief Executive Officer
$872,583
$835,111 No related comp$37,472
Valerie Alsip
Executive Vice President and Chief Operating Officer
$448,767
$420,688 No related comp$28,079
David Diamond
Chief Financial Officer and Vice President
$403,743
$366,095 No related comp$37,648
Patricia Ellingson
Executive Vice President, Chief Lending Officer
$363,993
$323,933 No related comp$40,060
Anatoly Vilderman
Executive Wealth Advisor
$334,770
$304,653 No related comp$30,117
Emilio Johansen
Executive Wealth Advisor
$333,093
$278,899 No related comp$54,194
Rebecca Nixon
Senior Vice President, Chief People Officer
$323,728
$272,768 No related comp$50,960
William Andrews
Vice President, Information Services
$288,820
$247,634 No related comp$41,186
Richard Kinzie
Vice President RISK and Compliance
$249,369
$210,854 No related comp$38,515