Civic Intelligence

Greater Minnesota Credit Union

990 • Fiscal year 2013 • EIN 41-0204290

Jan 01, 2013 to Dec 31, 2013 • Filed on May 02, 2014

112 South Lake Street55051

(320) 679-3863

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.90x

Higher debt load relative to assets than 53% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

56th percentile

18.86x

Higher debt load relative to revenue than 56% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

36th percentile

7.9%

Higher net margin than 36% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

14th percentile

-0.6%

Faster asset growth than 14% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Assets

Down

$145,590,786

Down $873,508 (-0.6%) from 2012

Net Assets

Up

$14,556,568

Up $547,607 (+3.9%) from 2012

Liabilities

Down

$131,034,218

Down $1,421,115 (-1.1%) from 2012

Revenue

$6,948,243

No earlier filing loaded for comparison.

Expenses

Down

$6,400,636

Down $1,172,588 (-15%) from 2012

Net Income

$547,607

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$200M$150M$100M$50M$0Assets 2010: $153,678,407Liabilities 2010: $140,266,311Net Assets 2010: $13,412,0962010Assets 2011: $147,714,098Liabilities 2011: $133,617,327Net Assets 2011: $14,096,7712011Assets 2012: $146,464,294Liabilities 2012: $132,455,333Net Assets 2012: $14,008,9612012Assets 2013: $145,590,786Liabilities 2013: $131,034,218Net Assets 2013: $14,556,5682013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2013

Assets$145,590,786
Liabilities$131,034,218
Net Assets$14,556,568

Operations Trend

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

$10M$5.0M$0Expenses 2010: $9,779,7092010Expenses 2011: $8,056,6012011Expenses 2012: $7,573,2242012Revenue 2013: $6,948,243Expenses 2013: $6,400,636Net Income 2013: $547,6072013Revenue 2014: $3,294,951Expenses 2014: $3,082,654Net Income 2014: $212,2972014

Highlighted filing

2013

Revenue$6,948,243
Expenses$6,400,636
Net Income$547,607
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 2, 2014
Return Version
2013v3.0
Gross Receipts
$7,933,363
Mission and Program Overview

Mission

To provide loans to members and to pay dividends on member share accounts, sharedraft accounts and certificates.

To conduct the ordinary and necessary business of a credit union involving the receiving of savings of members and lending money to members for provident purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$80,273,805$76,078,744▼ $4,195,061
Savings and Temporary Cash Investments$39,442,884$39,136,232▼ $306,652
Rtn Earn Endowment Incm Other Fnds$14,008,961$14,556,568▲ $547,607
Investments in Publicly Traded Securities$7,500,000$8,000,000▲ $500,000
Land, Buildings, and Equipment, Net$6,616,764$6,236,717▼ $380,047
Cash and Non-Interest-Bearing Accounts$1,216,114$1,689,267▲ $473,153
Prepaid Expenses and Deferred Charges$143,299$149,844▲ $6,545
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$146,464,294$145,590,786▼ $873,508
Other Assets Total$11,271,428$14,299,982▲ $3,028,554
Liabilities
Other Liabilities$131,237,000$129,841,400▼ $1,395,600
Accounts Payable and Accrued Expenses$1,218,333$1,192,818▼ $25,515
Total Liabilities$132,455,333$131,034,218▼ $1,421,115
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,008,961$14,556,568▲ $547,607
Total Liabilities and Net Assets / Fund Balance$146,464,294$145,590,786▼ $873,508

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,175,495$2,272,695$6,448,190
Equipment$706,039$2,885,548$3,591,587
Land$1,355,183-$1,355,183
Other Assets Org$348,813--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steve AhlnessCEO/board TreasurerFT$158,198$9,914$168,112
Roxann CarlsonCFOFT$88,695$6,155$94,850

Board Members and Trustees

NameTitle
Darla StenstromChair
John SandyVice Chair
Carl AndersonDirector
John PaulsonDirector
Robert OerhleinDirector
Roger PetersonDirector
Terry DalbeySecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry And AssociatesDataprocessing Services-$151,927
Apex Print TechnologiesPrinting Services-$131,820
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,742,277
Investment Income
$205,966
Other Revenue
$0
Change in Net Assets
$547,607
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,304,144
Salaries, Compensation, and Employee Benefits$2,757,961
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,117,842
Office Expenses---$697,802
Occupancy---$537,901
Depreciation Depletion---$466,013
Benefits to Members---$338,531
Current Officers, Directors, Trustees, and Key Employees---$262,962
Payroll Taxes---$228,703
Advertising---$143,717
Other Employee Benefits---$107,688
Other Expenses---$99,878
All Other Expenses---$80,222
Travel---$50,148
Pension Plan Contributions---$40,766
Fees for Services Legal---$5,361
Total Functional Expenses$0$0$0$6,400,636
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts$45,876,498
Share Drafts$37,665,145
Share Certificates$33,427,538
Ira Accounts$12,496,480
Other Shares$375,739
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The credit union is comprised of a single class of community chartered member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meetings.

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

Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, as vacancies arise, or otherwise.

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

Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.

Form 990, Part VI, Section B, Line 11

Prior to being filed with the irs, a copy of the irs form 990 and related schedules are reviewed by the ceo and cfo. The form is also reviewed and approved at a board meeting prior to submittal to the irs.

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

The credit union has a code of conduct policy in place for directors, supervisory committee members, management and staff. This policy is designed to assure the affairs of the credit union are conducted in a manner that fosters the favorable image and reputation of the credit union, the elected officials and management; avoid potential conflicts of interest and personal gain; maintain and promote integrity in the administration and operation of all the affairs of the credit union. All directors, supervisory committee members, management and employees are required to disclose upon employment/nomination annually and as changes occur thereafter. Disclosures are made on the conflict of interest statement, which are all reviewed by internal audit. These disclosures are maintained within the human resources department.

Form 990, Part VI, Section B, Line 15

The cu uses a compensation research firm (hrn management group) to provide comparable market rates of the region and of peers to help the cu determine salaries for their employees on an annual basis. The vp of hr receives these reports and information and integrates them into the cu's compensation and job evaluation process. The vp of hr authorizes all new hires and determines compensation in accordance with the credit union's compensation policy and guidelines. The vp of hr calculates merit increases in accordance with the compensation policy and guidelines, and the ceo has final approval.

Form 990, Part VI, Section C, Line 19

Financial statements are posted in each branch lobby. Governing documents and conflict of interest policy are available upon request.

Filing and Contact Details

Filer

EIN
41-0204290
Phone
3206793863

Signing Officer

Name
Roxann Carlson
Title
CFO
Phone
3206793863
Signed
2014-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Ahlness
Formed
1935
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
7
Employees
84
Volunteers
9

Preparer

Preparer
Tanya Medgaarden
Phone
5074347000
Raw XML AppendixShowing 400 of 414 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.

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IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014008961
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014556568
IRS990/SavingsAndTempCashInvstGrp/BOYAmt039442884
IRS990/SavingsAndTempCashInvstGrp/EOYAmt039136232
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04175495
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02272695
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06448190
IRS990ScheduleD/EquipmentGrp/BookValueAmt0706039
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02885548
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03591587
IRS990ScheduleD/LandGrp/BookValueAmt01355183
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01355183
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt05332235
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt11790322
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt21248473
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3229516
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt428791
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt55321832
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt6348813
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1FORECLOSED & REPOSSESSED ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUA SHARE INSURANCE DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INTEREST ON LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4ACCRUED INTEREST ON INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5INVESTMENTS IN OTHER CORPORATE CREDIT UNIONS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6NCUA CENTRAL LIQUIDITY FACILITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt045876498
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt137665145
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt233427538
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt312496480
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4375739
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4OTHER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06236717
IRS990ScheduleD/TotalBookValueOtherAssetsAmt014299982
IRS990ScheduleD/TotalLiabilityAmt0129841400
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0158198
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount01000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt03184
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt05730
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0STEVE AHLNESS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/BOARD TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0168112
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0STEVE AHLNESS $3,184
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF COMMUNITY CHARTERED MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIES ARISE, OR OTHERWISE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PRIOR TO BEING FILED WITH THE IRS, A COPY OF THE IRS FORM 990 AND RELATED SCHEDULES ARE REVIEWED BY THE CEO AND CFO. THE FORM IS ALSO REVIEWED AND APPROVED AT A BOARD MEETING PRIOR TO SUBMITTAL TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION HAS A CODE OF CONDUCT POLICY IN PLACE FOR DIRECTORS, SUPERVISORY COMMITTEE MEMBERS, MANAGEMENT AND STAFF. THIS POLICY IS DESIGNED TO ASSURE THE AFFAIRS OF THE CREDIT UNION ARE CONDUCTED IN A MANNER THAT FOSTERS THE FAVORABLE IMAGE AND REPUTATION OF THE CREDIT UNION, THE ELECTED OFFICIALS AND MANAGEMENT; AVOID POTENTIAL CONFLICTS OF INTEREST AND PERSONAL GAIN; MAINTAIN AND PROMOTE INTEGRITY IN THE ADMINISTRATION AND OPERATION OF ALL THE AFFAIRS OF THE CREDIT UNION. ALL DIRECTORS, SUPERVISORY COMMITTEE MEMBERS, MANAGEMENT AND EMPLOYEES ARE REQUIRED TO DISCLOSE UPON EMPLOYMENT/NOMINATION ANNUALLY AND AS CHANGES OCCUR THEREAFTER. DISCLOSURES ARE MADE ON THE CONFLICT OF INTEREST STATEMENT, WHICH ARE ALL REVIEWED BY INTERNAL AUDIT. THESE DISCLOSURES ARE MAINTAINED WITHIN THE HUMAN RESOURCES DEPARTMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CU USES A COMPENSATION RESEARCH FIRM (HRN MANAGEMENT GROUP) TO PROVIDE COMPARABLE MARKET RATES OF THE REGION AND OF PEERS TO HELP THE CU DETERMINE SALARIES FOR THEIR EMPLOYEES ON AN ANNUAL BASIS. THE VP OF HR RECEIVES THESE REPORTS AND INFORMATION AND INTEGRATES THEM INTO THE CU'S COMPENSATION AND JOB EVALUATION PROCESS. THE VP OF HR AUTHORIZES ALL NEW HIRES AND DETERMINES COMPENSATION IN ACCORDANCE WITH THE CREDIT UNION'S COMPENSATION POLICY AND GUIDELINES. THE VP OF HR CALCULATES MERIT INCREASES IN ACCORDANCE WITH THE COMPENSATION POLICY AND GUIDELINES, AND THE CEO HAS FINAL APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN EACH BRANCH LOBBY. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0146464294
IRS990/TotalAssetsEOYAmt0145590786
IRS990/TotalAssetsGrp/BOYAmt0146464294
IRS990/TotalAssetsGrp/EOYAmt0145590786
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt084
IRS990/TotalFunctionalExpensesGrp/TotalAmt06400636
IRS990/TotalGrossUBIAmt031693
IRS990/TotalLiabilitiesBOYAmt0132455333
IRS990/TotalLiabilitiesEOYAmt0131034218
IRS990/TotalLiabilitiesGrp/BOYAmt0132455333
IRS990/TotalLiabilitiesGrp/EOYAmt0131034218
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt014008961
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt014556568
IRS990/TotalOtherCompensationAmt015069
IRS990/TotalProgramServiceRevenueAmt06742277
IRS990/TotalReportableCompFromOrgAmt0247893
IRS990/TotalRevenueGrp/ExclusionAmt0205966
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt06710584
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt06948243
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt031693
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0146464294
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0145590786
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt050148
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10112 SOUTH LAKE STREET
IRS990/USAddress/City0MORA
IRS990/USAddress/State0MN
IRS990/USAddress/ZIPCode055051
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.GMCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ROXANN CARLSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum03206793863
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine10GREATER MINNESOTA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GREA
ReturnHeader/Filer/EIN0410204290
ReturnHeader/Filer/PhoneNum03206793863
ReturnHeader/Filer/USAddress/AddressLine10112 SOUTH LAKE STREET
ReturnHeader/Filer/USAddress/City0MORA
ReturnHeader/Filer/USAddress/State0MN

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