Civic Intelligence

Northstar Credit Union

990 • Fiscal year 2019 • EIN 23-7113418

Jan 01, 2019 to Dec 31, 2019 • Filed on Jun 25, 2020

Organization ProfileWWW.NSCU.ORG

View Organization Page

3 S 555 Winfield RoadWarrenville, IL 60555

(630) 393-7201

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

44th percentile

0.88x

Higher debt load relative to assets than 44% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

34th percentile

14.78x

Higher debt load relative to revenue than 34% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

35th percentile

10%

Higher net margin than 35% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

92nd percentile

$370,720

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

80th percentile

8.1%

Faster asset growth than 80% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

53rd percentile

8.9%

Faster revenue growth than 53% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$183,562,695

Up $13,760,481 (+8.1%) from 2018

Net Assets

Up

$21,582,079

Up $1,129,368 (+5.5%) from 2018

Liabilities

Up

$161,980,616

Up $12,631,113 (+8.5%) from 2018

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin35th percentile

Revenue

Up

$10,962,869

Up $896,832 (+8.9%) from 2018

Expenses

Up

$9,862,435

Up $729,928 (+8.0%) from 2018

Net Income

Up

$1,100,434

Up $166,904 (+18%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth80th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2010: $77,085,815Liabilities 2010: $71,126,677Net Assets 2010: $5,959,1382010Assets 2011: $75,979,414Liabilities 2011: $69,773,553Net Assets 2011: $6,205,8612011Assets 2012: $81,885,693Liabilities 2012: $75,499,430Net Assets 2012: $6,386,2632012Assets 2013: $92,635,299Liabilities 2013: $83,971,779Net Assets 2013: $8,663,5202013Assets 2014: $100,006,260Liabilities 2014: $90,617,892Net Assets 2014: $9,388,3682014Assets 2015: $110,703,020Liabilities 2015: $100,276,368Net Assets 2015: $10,426,6522015Assets 2016: $160,750,212Liabilities 2016: $142,589,427Net Assets 2016: $18,160,7852016Assets 2017: $167,243,081Liabilities 2017: $147,809,924Net Assets 2017: $19,433,1572017Assets 2018: $169,802,214Liabilities 2018: $149,349,503Net Assets 2018: $20,452,7112018Assets 2019: $183,562,695Liabilities 2019: $161,980,616Net Assets 2019: $21,582,0792019Assets 2020: $211,754,900Liabilities 2020: $188,399,774Net Assets 2020: $23,355,1262020

Highlighted filing

2019

Assets$183,562,695
Liabilities$161,980,616
Net Assets$21,582,079
Open 2019 Filing

Operations Trend

Revenue Growth53rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0Expenses 2010: $4,478,9102010Expenses 2011: $4,276,4342011Expenses 2012: $4,168,9792012Revenue 2013: $4,665,762Expenses 2013: $4,219,157Net Income 2013: $446,6052013Revenue 2014: $5,220,990Expenses 2014: $4,496,142Net Income 2014: $724,8482014Revenue 2015: $5,874,926Expenses 2015: $4,821,679Net Income 2015: $1,053,2472015Revenue 2016: $7,426,651Expenses 2016: $6,542,773Net Income 2016: $883,8782016Revenue 2017: $9,538,887Expenses 2017: $8,271,806Net Income 2017: $1,267,0812017Revenue 2018: $10,066,037Expenses 2018: $9,132,507Net Income 2018: $933,5302018Revenue 2019: $10,962,869Expenses 2019: $9,862,435Net Income 2019: $1,100,4342019Revenue 2020: $12,026,304Expenses 2020: $10,284,269Net Income 2020: $1,742,0352020

Highlighted filing

2019

Revenue$10,962,869
Expenses$9,862,435
Net Income$1,100,434
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 25, 2020
Return Version
2019v5.1
Gross Receipts
$11,363,014
Mission and Program Overview

Mission

Northstar credit union is a member-owned & operated, not-for-profit financial cooperative. Northstar operates as a full service financial institution for the benefit of our membership. Our profits are returned to the membership, our owners, through lower interest rate loans, competitive monthly dividends, lower fees, and capital accumulation to ensure long term stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$136,932,684$142,232,371▲ $5,299,687
Rtn Earn Endowment Incm Other Fnds$20,452,711$21,582,079▲ $1,129,368
Savings and Temporary Cash Investments$15,174,279$20,794,338▲ $5,620,059
Investments Program Related$9,730,899$9,737,038▲ $6,139
Land, Buildings, and Equipment, Net$3,158,501$6,083,708▲ $2,925,207
Cash and Non-Interest-Bearing Accounts$1,504,341$1,511,600▲ $7,259
Prepaid Expenses and Deferred Charges$893,679$918,975▲ $25,296
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$169,802,214$183,562,695▲ $13,760,481
Other Assets Total$2,407,831$2,284,665▼ $123,166
Liabilities
Other Liabilities$146,703,550$159,587,714▲ $12,884,164
Accounts Payable and Accrued Expenses$2,645,953$2,392,902▼ $253,051
Total Liabilities$149,349,503$161,980,616▲ $12,631,113
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,452,711$21,582,079▲ $1,129,368
Total Liabilities and Net Assets / Fund Balance$169,802,214$183,562,695▲ $13,760,481

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,045,700$1,293,432$5,339,132
Equipment$211,356$1,801,591$2,012,947
Land$1,805,183-$1,805,183
Other Land Buildings$21,469$79,436$100,905
Leasehold Improvements$0$49,789$49,789
Investment Program Related Org$23,000--
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lloyd FredendallCEOFT$220,729$149,991$370,720
Bernard Niewoehner IvVice PresidentFT$131,406$12,274$143,680
Valerie NicholsonControllerFT$116,570$17,006$133,576
Luz CastelloVice PresidentFT$107,958$24,650$132,608
Lisa KlevenVice PresidentFT$112,368$17,511$129,879
Cristen AustgenVice PresidentFT$80,698$16,325$97,023

Board Members and Trustees

NameTitle
Joseph JosephChair
Gregory ZilinskyVice-chair
Daniel AloiaDirector
George FiegleDirector
James BrozDirector
Jill VersaceDirector
Rowena Torres OrdonezDirector
Tim KeefeDirector
Robert CollinsSecretary
Dennis HughesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,081,837
Investment Income
$881,032
Other Revenue
$0
Change in Net Assets
$1,100,434
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,290,613
Salaries, Compensation, and Employee Benefits$3,571,822
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$2,076,806--$2,076,806
Other Salaries and Wages$1,323,489--$1,323,489
Current Officers, Directors, Trustees, and Key Employees$1,007,486--$1,007,486
Other Employee Benefits$858,212--$858,212
Information Technology$369,340--$369,340
Advertising$347,485--$347,485
Occupancy$284,634--$284,634
Payroll Taxes$196,655--$196,655
Pension Plan Contributions$185,980--$185,980
Depreciation Depletion$160,035--$160,035
Other Expenses$50,175--$50,175
Fees for Services Accounting$46,813--$46,813
Travel$38,433--$38,433
Fees for Services Other$34,890--$34,890
Fees for Services Legal$9,896--$9,896
Interest$4--$4
Total Functional Expenses$9,862,435$0$0$9,862,435
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$2,581
Total Exempt Function Spending$2,581

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$2,581
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$159,587,714
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization's share depositors are considered members”

Form 990, Part VI, Section A, Line 7A

“Northstar's membership elect the members of the governing body.”

Form 990, Part VI, Section B, Line 11B

“The ceo of the organization assists in the preparation of the 990 and reviews the final prepared form completed by an outside cpa firm.”

Form 990, Part VI, Section B, Line 12C

“All insiders of the credit union have an obligation at all times to promote the credit union's best interests. The credit union's code of ethics policy requires that all personnel avoid any situation, which does or may involve a conflict, or appearance of conflict, between their personal interests and the interests of the credit union. All insiders of the credit union must sign and update their conflict of interest when hired and annually thereafter.”

Form 990, Part VI, Section B, Line 15

“Compensation for all positions is approved annually by the board of directors through the budgetary process.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its financial statements available upon request, and may also be found in the credit union's annual report, which is available at the credit union's annual meeting.”

Filing and Contact Details

Filer

Filer Name
Northstar Credit Union
EIN
23-7113418
Phone
6303937201
Address
3 S 555 WINFIELD ROAD, WARRENVILLE, IL 60555

Signing Officer

Name
Lloyd Fredendall
Title
CEO
Phone
6303937201
Signed
2020-06-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lloyd Fredendall
Formed
1971
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
Employees
62
Volunteers
0

Preparer

Firm
Selden Fox Ltd
Address
619 ENTERPRISE DRIVE, OAK BROOK, IL 60523-8835
Preparer
Paul J Rozek
Phone
6309541400
Raw XML AppendixShowing 400 of 509 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02645953
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02392902
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0NORTHSTAR CREDIT UNION IS A MEMBER-OWNED & OPERATED, NOT-FOR-PROFIT FINANCIAL COOPERATIVE. NORTHSTAR OPERATES AS A FULL SERVICE FINANCIAL INSTITUTION FOR THE BENEFIT OF OUR MEMBERSHIP. OUR PROFITS ARE RETURNED TO THE MEMBERSHIP, OUR OWNERS, THROUGH LOWER INTEREST RATE LOANS, COMPETITIVE MONTHLY DIVIDENDS, LOWER FEES, AND CAPITAL ACCUMULATION TO ENSURE LONG TERM STABILITY.
IRS990/AdvertisingGrp/ProgramServicesAmt0347485
IRS990/AdvertisingGrp/TotalAmt0347485
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0LLOYD FREDENDALL
IRS990/BooksInCareOfDetail/PhoneNum06303937201
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03 S 555 WINFIELD ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0WARRENVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060555
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01504341
IRS990/CashNonInterestBearingGrp/EOYAmt01511600
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt01007486
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01007486
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0881032
IRS990/CYOtherExpensesAmt06290613
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt010081837
IRS990/CYRevenuesLessExpensesAmt01100434
IRS990/CYSalariesCompEmpBnftPaidAmt03571822
IRS990/CYTotalExpensesAmt09862435
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt010962869
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0160035
IRS990/DepreciationDepletionGrp/TotalAmt0160035
IRS990/Desc0PROVIDED 7,704 CONSUMER LOANS TO MEMBERS
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt062
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt046813
IRS990/FeesForServicesAccountingGrp/TotalAmt046813
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt09896
IRS990/FeesForServicesLegalGrp/TotalAmt09896
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt034890
IRS990/FeesForServicesOtherGrp/TotalAmt034890
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10124469
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1112274
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1224650
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1316325
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1417511
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1517006
IRS990/Form990PartVIISectionAGrp/PersonNm0DENNIS HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm1DANIEL ALOIA
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES BROZ
IRS990/Form990PartVIISectionAGrp/PersonNm3ROBERT COLLINS
IRS990/Form990PartVIISectionAGrp/PersonNm4JOSEPH JOSEPH
IRS990/Form990PartVIISectionAGrp/PersonNm5TIM KEEFE
IRS990/Form990PartVIISectionAGrp/PersonNm6GREGORY ZILINSKY
IRS990/Form990PartVIISectionAGrp/PersonNm7GEORGE FIEGLE
IRS990/Form990PartVIISectionAGrp/PersonNm8JILL VERSACE
IRS990/Form990PartVIISectionAGrp/PersonNm9ROWENA TORRES ORDONEZ
IRS990/Form990PartVIISectionAGrp/PersonNm10LLOYD FREDENDALL
IRS990/Form990PartVIISectionAGrp/PersonNm11BERNARD NIEWOEHNER IV
IRS990/Form990PartVIISectionAGrp/PersonNm12LUZ CASTELLO
IRS990/Form990PartVIISectionAGrp/PersonNm13CRISTEN AUSTGEN
IRS990/Form990PartVIISectionAGrp/PersonNm14LISA KLEVEN
IRS990/Form990PartVIISectionAGrp/PersonNm15VALERIE NICHOLSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10246251
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11131406
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12107958
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1380698
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14112368
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15116570
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15CONTROLLER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01971
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt025142
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0425287
IRS990/GrossReceiptsAmt011363014
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt0369340
IRS990/InformationTechnologyGrp/TotalAmt0369340
IRS990/InterestGrp/ProgramServicesAmt04
IRS990/InterestGrp/TotalAmt04
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0855890
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0855890
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt09730899
IRS990/InvestmentsProgramRelatedGrp/EOYAmt09737038
IRS990/IRPDocumentCnt04348
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03224248
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03158501
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06083708
IRS990/LandBldgEquipCostOrOtherBssAmt09307956
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0400145
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0NORTHSTAR CREDIT UNION IS A MEMBER-OWNED & OPERATED, NOT-FOR-PROFIT FINANCIAL COOPERATIVE. NORTHSTAR OPERATES AS A FULL SERVICE FINANCIAL INSTITUTION FOR THE BENEFIT OF OUR MEMBERSHIP. OUR PROFITS ARE RETURNED TO THE MEMBERSHIP, OUR OWNERS, THROUGH LOWER INTEREST RATE LOANS, COMPETITIVE MONTHLY DIVIDENDS, LOWER FEES, AND CAPITAL ACCUMULATION TO ENSURE LONG TERM STABILITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt020452711
IRS990/NetAssetsOrFundBalancesEOYAmt021582079
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt025142
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt025142
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt028934
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0284634
IRS990/OccupancyGrp/TotalAmt0284634
IRS990/OfficeExpensesGrp/ProgramServicesAmt02076806
IRS990/OfficeExpensesGrp/TotalAmt02076806
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02407831
IRS990/OtherAssetsTotalGrp/EOYAmt02284665
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0858212
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0858212
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1INTEREST ON MEMBERS' AC
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3STATE SUPERVISION FEE
IRS990/OtherExpensesGrp/ProgramServicesAmt01360000
IRS990/OtherExpensesGrp/ProgramServicesAmt11323631
IRS990/OtherExpensesGrp/ProgramServicesAmt2188471
IRS990/OtherExpensesGrp/ProgramServicesAmt350175
IRS990/OtherExpensesGrp/TotalAmt01360000
IRS990/OtherExpensesGrp/TotalAmt11323631
IRS990/OtherExpensesGrp/TotalAmt2188471
IRS990/OtherExpensesGrp/TotalAmt350175
IRS990/OtherLiabilitiesGrp/BOYAmt0146703550
IRS990/OtherLiabilitiesGrp/EOYAmt0159587714
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01323489
IRS990/OtherSalariesAndWagesGrp/TotalAmt01323489
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0136932684
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0142232371
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0196655
IRS990/PayrollTaxesGrp/TotalAmt0196655
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0185980
IRS990/PensionPlanContributionsGrp/TotalAmt0185980
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0893679
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0918975
IRS990/PrincipalOfficerNm0LLOYD FREDENDALL
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08161415
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11245871
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2674551
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08161415
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11245871
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2674551
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDED 548 MORTGAGE AND HOME EQUITY LOANS TO MEMBERS
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDED CHECKING SERVICES TO 7,223 MEMBER ACCOUNTS;PROVIDED SAVINGS SERVICES TO 22,503 MEMBER ACCOUNTS
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0751221
IRS990/PYOtherExpensesAmt05807810
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt09314816
IRS990/PYRevenuesLessExpensesAmt0933530
IRS990/PYSalariesCompEmpBnftPaidAmt03324697
IRS990/PYTotalExpensesAmt09132507
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010066037
IRS990/ReconcilationRevenueExpnssAmt01100434
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt020452711
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt021582079
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015174279
IRS990/SavingsAndTempCashInvstGrp/EOYAmt020794338
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt02581
IRS990ScheduleC/PoliticalExpendituresAmt02581
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0363092340
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CREDIT UNION POLITICAL ACTION COUNCIL
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt02581
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01807 WEST DIEHL ROAD PO BOX 3107
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0NAPERVILLE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0IL
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd0605667107
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO CREDIT UNION POLITICAL ACTION COUNCIL THAT IS REPORTED IN PARTS I-A AND I-C OF THIS SCHEDULE C.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt02581
IRS990ScheduleD/BuildingsGrp/BookValueAmt04045700
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01293432
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05339132
IRS990ScheduleD/EquipmentGrp/BookValueAmt0211356
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01801591
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02012947
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt07858647
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1187458
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2125000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31014185
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt45714
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt5244704
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt6126230
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt7152100
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt823000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NEW YORK LIFE CASH VALUE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1SPECTRUM BUSINESS RESOURCES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2INVESTMENT IN CU ANSWERS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3AVAILABLE FOR SALE SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4AFS SECURITIES MARK TO MARKET ADJUSTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5457 (B) BALANCE - CUNA
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6HELD TO MATURITY SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc7FEDERAL HOME LOAN BANK DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc8INVESTMENT IN XTEND
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd7C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd8C
IRS990ScheduleD/LandGrp/BookValueAmt01805183
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01805183
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt049789
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt049789
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt021469
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt079436
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0100905
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0159587714
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06083708
IRS990ScheduleD/TotalBookValueProgramRltdAmt09737038
IRS990ScheduleD/TotalLiabilityAmt0159587714
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0220729
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount012757
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0114191
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$183,562,695
Liabilities
$161,980,616
Net assets
$21,582,079
Revenue
$10,962,869
Expenses
$9,862,435
Net income
$1,100,434
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$212$188$23.4$12.0$10.3$1.74
2019Detailed filing. Detailed filing data is available for this year.$184$162$21.6$11.0$9.86$1.10
2018Detailed filing. Detailed filing data is available for this year.$170$149$20.5$10.1$9.13$0.93
2017Detailed filing. Detailed filing data is available for this year.$167$148$19.4$9.54$8.27$1.27
2016Detailed filing. Detailed filing data is available for this year.$161$143$18.2$7.43$6.54$0.88
2015Detailed filing. Detailed filing data is available for this year.$111$100$10.4$5.87$4.82$1.05
2014Detailed filing. Detailed filing data is available for this year.$100$90.6$9.39$5.22$4.50$0.72
2013Detailed filing. Detailed filing data is available for this year.$92.6$84.0$8.66$4.67$4.22$0.45
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.9$75.5$6.39$4.17
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$76.0$69.8$6.21$4.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$77.1$71.1$5.96$4.48