Liabilities / Assets
66th percentile
Higher debt load relative to assets than 66% of similar nonprofits.
990 • Fiscal year 2019 • EIN 38-1706265
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
66th percentile
Higher debt load relative to assets than 66% of similar nonprofits.
Liabilities / Revenue
26th percentile
Higher debt load relative to revenue than 26% of similar nonprofits.
Net Margin
45th percentile
Higher net margin than 45% of similar nonprofits.
Top Officer Pay
18th percentile
Higher top officer pay than 18% of similar nonprofits.
Top officer pay equals 4.3% of source-year revenue.
Asset Growth
64th percentile
Faster asset growth than 64% of similar nonprofits.
Revenue Growth
47th percentile
Faster revenue growth than 47% of similar nonprofits.
Assets
Up$28,468,897
Up $1,023,906 (+3.7%) from 2018
Net Assets
Up$3,272,684
Up $185,089 (+6.0%) from 2018
Liabilities
Up$25,196,213
Up $838,817 (+3.4%) from 2018
Revenue
Up$1,697,172
Up $91,501 (+5.7%) from 2018
Expenses
Up$1,512,083
Up $76,114 (+5.3%) from 2018
Net Income
Up$185,089
Up $15,387 (+9.1%) from 2018
Michigan chartered credit union furnishing cooperative financial services to members as provided by public act 285
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $17,802,081 | $16,391,709 | ▼ $1,410,372 |
| Investments Other Securities | $5,850,220 | $8,630,422 | ▲ $2,780,202 |
| Savings and Temporary Cash Investments | $1,371,134 | $1,022,212 | ▼ $348,922 |
| Land, Buildings, and Equipment, Net | $1,043,130 | $1,000,996 | ▼ $42,134 |
| Cash and Non-Interest-Bearing Accounts | $287,195 | $421,106 | ▲ $133,911 |
| Prepaid Expenses and Deferred Charges | $279,427 | $253,456 | ▼ $25,971 |
| Receivables From Officers Etc | $115,127 | $123,265 | ▲ $8,138 |
| Total Assets | $27,444,991 | $28,468,897 | ▲ $1,023,906 |
| Other Assets Total | $696,677 | $625,731 | ▼ $70,946 |
| Liabilities | |||
| Other Liabilities | $24,109,772 | $24,848,445 | ▲ $738,673 |
| Accounts Payable and Accrued Expenses | $247,624 | $347,768 | ▲ $100,144 |
| Total Liabilities | $24,357,396 | $25,196,213 | ▲ $838,817 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $3,087,595 | $3,272,684 | ▲ $185,089 |
| Total Net Assets Fund Balance | $3,087,595 | $3,272,684 | ▲ $185,089 |
| Total Liabilities and Net Assets / Fund Balance | $27,444,991 | $28,468,897 | ▲ $1,023,906 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $873,633 | $265,265 | - |
| Land | $21,004 | - | - |
| Equipment | $29,636 | $276,505 | - |
| Leasehold Improvements | $76,723 | $16,580 | - |
| Other Securities | $184,151 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Connie Toensing | CEO | FT | $73,606 | $73,606 |
| Name | Title |
|---|---|
| Tom Luoma | Board Presid |
| Jenny Peterman | Director |
| Roy Nason | Director |
| Suzette Olson | Director |
| Thomas Pink | Secretary |
| Jeannie Masterson | Treasurer |
| Judith Walsh | Vice Preside |
| Line Item | Amount |
|---|---|
| Other Expenses | $971,248 |
| Salaries, Compensation, and Employee Benefits | $540,835 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $352,019 |
| Office Expenses | - | - | - | $339,430 |
| Fees for Services Other | - | - | - | $149,330 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $73,606 |
| Depreciation Depletion | - | - | - | $65,203 |
| Other Employee Benefits | - | - | - | $63,704 |
| Occupancy | - | - | - | $44,810 |
| Advertising | - | - | - | $43,570 |
| Payroll Taxes | - | - | - | $41,273 |
| Interest | - | - | - | $38,835 |
| Conferences and Meetings | - | - | - | $18,415 |
| Pension Plan Contributions | - | - | - | $10,233 |
| All Other Expenses | - | - | - | $9,042 |
| Other Expenses | - | - | - | $5,979 |
| Fees for Services Legal | - | - | - | $3,278 |
| Total Functional Expenses | $0 | $0 | $0 | $1,512,083 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $115,127 | $123,265 | ▲ $8,138 |
| Liability | Amount |
|---|---|
| Shares | $13,164,647 |
| Checking | $4,694,814 |
| Preferred Savings | $3,398,218 |
| Certificate of Deposit | $2,132,541 |
| Club | $1,045,577 |
| Ira | $400,942 |
| Accrued Interest | $10,447 |
| State Income Tax Payable | $498 |
“ORGANIZED WITH MEMBERS.”
“Members are nominated and voted on at the annual meeting.”
“Organization name change is subject to approval.”
“Ceo reviews 990 prior to filing.”
“Financials are posted in the lobby of all offices and handed out upon request.”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 247624 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 347768 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | MICHIGAN CHARTERED CREDIT UNION FURNISHING COOPERATIVE FINANCIAL SERVICES TO MEMBERS AS PROVIDED BY PUBLIC ACT 285 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 43570 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 9042 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | CHIPPEWA COUNTY CREDIT UNION |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9066323134 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 402 W SPRUCE ST |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | SAULT STE MARIE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 49783 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 287195 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 421106 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 73606 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | false |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 18415 |
| IRS990/ConflictOfInterestPolicyInd | 0 | false |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 201899 |
| IRS990/CYOtherExpensesAmt | 0 | 971248 |
| IRS990/CYOtherRevenueAmt | 0 | 8169 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1487104 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 185089 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 540835 |
| IRS990/CYTotalExpensesAmt | 0 | 1512083 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1697172 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 65203 |
| IRS990/Desc | 0 | MICHIGAN CHARTERED CREDIT UNION (STATE CHARTERED) FURNISHING COOPERATIVE FINANCIAL SERVICES TO MEMBERS AS PROVIDED BY PUBLIC ACT 285 |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 16 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 3278 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 149330 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | CONNIE TOENSING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | TOM LUOMA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JEANNIE MASTERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ROY NASON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | SUZETTE OLSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JENNY PETERMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | THOMAS PINK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JUDITH WALSH |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 73606 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD PRESID |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | VICE PRESIDE |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1955 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 1697172 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InterestGrp/TotalAmt | 0 | 38835 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 201899 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 201899 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 5850220 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 8630422 |
| IRS990/IRPDocumentCnt | 0 | 1114 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 558350 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1043130 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1000996 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1559346 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | MICHIGAN CHARTERED CREDIT UNION FURNISHING COOPERATIVE FINANCIAL SERVICES TO MEMBERS AS PROVIDED BY PUBLIC ACT 285 |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 3087595 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 3272684 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 3087595 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 3272684 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 44810 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 339430 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 696677 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 625731 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 63704 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | OREO COSTS |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 138099 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 88610 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 26647 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 5979 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 24109772 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 24848445 |
| IRS990/OtherOrganizationDsc | 0 | COOPERATIVE |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | SALES OF NON-LOAN INSURANCE |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | NON MEMBER ATM FEES |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | DIVIDENDS |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 4532 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 2929 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 708 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 4532 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 2929 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 2 | 708 |
| IRS990/OtherRevenueTotalAmt | 0 | 8169 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 352019 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 17802081 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 16391709 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 41273 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 10233 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 279427 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 253456 |
| IRS990/PrincipalOfficerNm | 0 | CONNIE TOENSING |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | MEMBER OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | MEMBER FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 943535 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 324419 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 219150 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 943535 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 324419 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 219150 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 120114 |
| IRS990/PYOtherExpensesAmt | 0 | 910041 |
| IRS990/PYOtherRevenueAmt | 0 | 11015 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1474542 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 169702 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 525928 |
| IRS990/PYTotalExpensesAmt | 0 | 1435969 |
| IRS990/PYTotalRevenueAmt | 0 | 1605671 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 115127 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 123265 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 185089 |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1371134 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1022212 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 873633 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 265265 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 1138898 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 29636 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 276505 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 306141 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 761 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 21004 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 21004 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 76723 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 16580 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 93303 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 13164647 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 4694814 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 3398218 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 2132541 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 1045577 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 400942 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 6 | 10447 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 7 | 498 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | CHECKING |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | PREFERRED SAVINGS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | CERTIFICATE OF DEPOSIT |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | CLUB |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | IRA |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 6 | ACCRUED INTEREST |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 7 | STATE INCOME TAX PAYABLE |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 8181000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 265271 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 184151 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | STOCK BASED INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | STOCK OWNED BY CREDIT UNION |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1000996 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 8630422 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 24848445 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 32279 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 20325 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 17749 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 14816 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 9798 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 8859 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 6 | 4969 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 7 | 4303 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 8 | 2896 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 9 | 2686 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 10 | 2192 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 11 | 1471 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 12 | 874 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 13 | 48 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 6 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 7 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 8 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 9 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 10 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 11 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 12 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 13 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 6 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 7 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 8 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 9 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 10 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 11 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 12 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 13 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 6 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 7 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 8 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 9 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 10 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 11 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 12 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 13 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | VEHICLE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | AUTO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | AUTO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 3 | TRACTOR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 4 | SUMMER HOME |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 5 | VEHICLE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 6 | VISA |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 7 | VISA |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 8 | CREDIT CARD |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 9 | CONSOLIDATION |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 10 | VACANT LAND |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 11 | VISA LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 12 | VISA |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 13 | VISA |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 32555 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 40034 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 30217 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 16152 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 31000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 5 | 11000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 6 | 7500 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 7 | 12000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 8 | 7500 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 9 | 3000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 10 | 10400 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 11 | 6000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 12 | 5000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 13 | 11600 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | CONNIE TOENSING |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | JENNY PETERMAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | JEANNIE MASTERSON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 3 | CONNIE TOENSING |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 4 | JUDITH WALSH |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 5 | SUZETTE OLSON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 6 | THOMAS PINK |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 7 | TOM LUOMA |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 8 | JEANNIE MASTERSON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 9 | CONNIE TOENSING |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 10 | JEANNIE MASTERSON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 11 | CONNIE TOENSING |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 12 | JENNY PETERMAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 13 | ROY NASON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | CEO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 2 | BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 3 | CEO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 4 | VICE CHAIR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 5 | BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 6 | SECRETARY |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 7 | BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 8 | BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 9 | CEO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 10 | BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 11 | CEO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 12 | DIRECTOR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 13 | BOARD MEMBER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | true |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.