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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 Harborstone Credit Union Ralph Kowal

Ralph Kowal

Highest compensated employee

Investment Representative at Harborstone Credit Union

Fiscal year ended December 31, 2021. Published on January 25, 2026.

$191,638
2021

Total compensation

Ralph Kowal has been listed as an employee of Harborstone Credit Union in Form 990 filings since fiscal year 2017. Total compensation for Ralph Kowal has increased by 17% from 2017 to 2021.

Annual compensation details

$191,638
+13%
Investment Representative
2021
$161k org
40 hrs/wk
$32k other
--
$169,535
Investment Representative
2020
$143k org
40 hrs/wk
$28k other
--

Total compensation by year

Compare the compensation of Ralph Kowal to:

2021

Other employees at Harborstone Credit Union

Phil Jones
President and Chief Executive Officer
$1,431,236
$1,376,021 from orgNo related comp$55,215 other
Forest Hayes
Senior Vice President and Chief Financial Officer
$379,287
$325,175 from orgNo related comp$54,112 other
Steve Crosby
Senior Vice President and Chief Operating Officer
$370,041
$317,316 from orgNo related comp$52,725 other
Lisa Stirgis
Senior Vice President CXO
$342,826
$295,301 from orgNo related comp$47,525 other
Michael Decius
Senior Vice President and Chief Information Officer
$318,448
$272,153 from orgNo related comp$46,295 other
Robert Luettjohann
Senior Vice President and CLO
$283,819
$266,818 from orgNo related comp$17,001 other
Scott Beckwith
Vice President Business Banking
$220,067
$183,135 from orgNo related comp$36,932 other
Eric Zittel
Vice President, Consumer Lending
$200,327
$163,169 from orgNo related comp$37,158 other
Connor Lewis
Vice President Training Development
$187,559
$153,853 from orgNo related comp$33,706 other
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Revisions to this profile

January 25, 2026:
2021 Harborstone Credit Union 990 published
January 24, 2026:
2020 Harborstone Credit Union 990 published
January 24, 2026:
2018 Harborstone Credit Union 990 published

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