Civic Intelligence

Deer River Cooperative Credit Union

EIN 41-0216120 • 501(c)14 • Deer River, MN

View Organization Page

Profile

To service members of the community for their financial needs

PO Box 158Deer River, MN 56636

drccu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

67th percentile

20.33x

Higher debt load relative to revenue than 67% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

79th percentile

20%

Higher net margin than 79% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

71st percentile

2.2%

Faster asset growth than 71% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

90th percentile

32%

Faster revenue growth than 90% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$28,452,652

Up $1,947,156 (+7.3%) from 2023

Liabilities

Up

$25,907,411

Up $1,698,696 (+7.0%) from 2023

Net Assets

Up

$2,545,241

Up $248,460 (+11%) from 2023

Operations
Liabilities / Revenue67th percentileNet Margin79th percentile

Revenue

Up

$1,384,899

Up $194,002 (+16%) from 2023

Expenses

Up

$1,126,682

Up $168,584 (+18%) from 2023

Net Income

Up

$258,217

Up $25,418 (+11%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth71st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $13,656,972Liabilities 2010: $12,439,590Net Assets 2010: $1,217,3822010Assets 2011: $14,055,680Liabilities 2011: $12,907,175Net Assets 2011: $1,148,5052011Assets 2012: $14,507,033Liabilities 2012: $13,369,037Net Assets 2012: $1,137,9962012Assets 2013: $14,273,170Liabilities 2013: $13,151,609Net Assets 2013: $1,121,5612013Assets 2014: $15,222,334Liabilities 2014: $14,072,441Net Assets 2014: $1,149,8932014Assets 2015: $15,386,405Liabilities 2015: $14,178,087Net Assets 2015: $1,208,3182015Assets 2016: $17,162,230Liabilities 2016: $15,860,610Net Assets 2016: $1,301,6202016Assets 2017: $16,509,817Liabilities 2017: $15,075,832Net Assets 2017: $1,433,9852017Assets 2018: $17,851,382Liabilities 2018: $16,276,322Net Assets 2018: $1,575,0602018Assets 2019: $18,522,909Liabilities 2019: $16,803,779Net Assets 2019: $1,719,1302019Assets 2020: $22,873,582Liabilities 2020: $21,054,443Net Assets 2020: $1,819,1392020Assets 2021: $25,319,705Liabilities 2021: $23,371,231Net Assets 2021: $1,948,4742021Assets 2022: $25,924,020Liabilities 2022: $23,812,538Net Assets 2022: $2,111,4822022Assets 2023: $26,505,496Liabilities 2023: $24,208,715Net Assets 2023: $2,296,7812023Assets 2024: $28,452,652Liabilities 2024: $25,907,411Net Assets 2024: $2,545,2412024

Highlighted filing

2024

Assets$28,452,652
Liabilities$25,907,411
Net Assets$2,545,241
Open 2024 Filing

Operations Trend

Revenue Growth90th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $696,7212010Expenses 2011: $601,3002011Expenses 2012: $500,2372012Revenue 2013: $431,494Expenses 2013: $447,929Net Income 2013: -$16,4352013Revenue 2014: $475,257Expenses 2014: $446,925Net Income 2014: $28,3322014Revenue 2015: $520,575Expenses 2015: $462,149Net Income 2015: $58,4262015Revenue 2016: $613,361Expenses 2016: $520,059Net Income 2016: $93,3022016Revenue 2017: $694,294Expenses 2017: $561,932Net Income 2017: $132,3622017Revenue 2018: $769,889Expenses 2018: $628,804Net Income 2018: $141,0852018Revenue 2019: $835,659Expenses 2019: $692,022Net Income 2019: $143,6372019Revenue 2020: $830,587Expenses 2020: $730,579Net Income 2020: $100,0082020Revenue 2021: $866,534Expenses 2021: $737,197Net Income 2021: $129,3372021Revenue 2022: $903,681Expenses 2022: $740,671Net Income 2022: $163,0102022Revenue 2023: $1,190,897Expenses 2023: $958,098Net Income 2023: $232,7992023Revenue 2024: $1,384,899Expenses 2024: $1,126,682Net Income 2024: $258,2172024

Highlighted filing

2024

Revenue$1,384,899
Expenses$1,126,682
Net Income$258,217
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,452,652
Liabilities
$25,907,411
Net assets
$2,545,241
Revenue
$1,384,899
Expenses
$1,126,682
Net income
$258,217
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$28.5$25.9$2.55$1.38$1.13$0.26
2023Detailed filing. Detailed filing data is available for this year.$26.5$24.2$2.30$1.19$0.96$0.23
2022Detailed filing. Detailed filing data is available for this year.$25.9$23.8$2.11$0.90$0.74$0.16
2021Detailed filing. Detailed filing data is available for this year.$25.3$23.4$1.95$0.87$0.74$0.13
2020Detailed filing. Detailed filing data is available for this year.$22.9$21.1$1.82$0.83$0.73$0.10
2019Detailed filing. Detailed filing data is available for this year.$18.5$16.8$1.72$0.84$0.69$0.14
2018Detailed filing. Detailed filing data is available for this year.$17.9$16.3$1.58$0.77$0.63$0.14
2017Detailed filing. Detailed filing data is available for this year.$16.5$15.1$1.43$0.69$0.56$0.13
2016Detailed filing. Detailed filing data is available for this year.$17.2$15.9$1.30$0.61$0.52$0.09
2015Detailed filing. Detailed filing data is available for this year.$15.4$14.2$1.21$0.52$0.46$0.06
2014Detailed filing. Detailed filing data is available for this year.$15.2$14.1$1.15$0.48$0.45$0.03
2013Detailed filing. Detailed filing data is available for this year.$14.3$13.2$1.12$0.43$0.45$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.5$13.4$1.14$0.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.1$12.9$1.15$0.60
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.7$12.4$1.22$0.70
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 24, 2025
Return Version
2024v5.1
Gross Receipts
$1,384,899
Mission and Program Overview

Mission

To service the members of the community for their financial needs.

To service members of the community for their financial needs

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$20,527,652$22,827,125▲ $2,299,473
Savings and Temporary Cash Investments$3,938,962$3,306,357▼ $632,605
Rtn Earn Endowment Incm Other Fnds$2,296,781$2,545,241▲ $248,460
Receivables From Officers Etc$765,627$899,748▲ $134,121
Land, Buildings, and Equipment, Net$321,401$314,477▼ $6,924
Cash and Non-Interest-Bearing Accounts$223,484$262,542▲ $39,058
Prepaid Expenses and Deferred Charges$27,409$15,968▼ $11,441
Total Assets$26,505,496$28,452,652▲ $1,947,156
Other Assets Total$700,961$826,435▲ $125,474
Liabilities
Other Liabilities$24,177,658$25,905,701▲ $1,728,043
Accounts Payable and Accrued Expenses$31,057$1,710▼ $29,347
Total Liabilities$24,208,715$25,907,411▲ $1,698,696
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,296,781$2,545,241▲ $248,460
Total Liabilities and Net Assets / Fund Balance$26,505,496$28,452,652▲ $1,947,156

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$208,344$17,510-
Land$48,032--
Equipment$58,101$18,204-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Mary GoggleyePresidentFT$98,077$98,077
Maureen ReuterSupervisory Committee-$1,458$1,458
Charles IsaacsBoard Chair-$1,238$1,238
Nicole OsseBoard Member-$1,238$1,238
Barbara GundersonBoard Member-$1,183$1,183
Michael NynasBoard Member-$1,183$1,183
Susan DewittSupervisory Committee-$1,128$1,128
Lydia WhiteSupervisory Committee-$990$990
Larry NixonBoard Member-$770$770
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,235,577
Investment Income
$149,322
Other Revenue
$0
Change in Net Assets
$258,217
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$382,280
Other Expenses$313,565
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$430,837
Other Salaries and Wages---$179,541
Office Expenses---$118,099
Current Officers, Directors, Trustees, and Key Employees---$107,262
Information Technology---$77,533
Other Employee Benefits---$60,912
Depreciation Depletion---$35,714
Occupancy---$26,790
Payroll Taxes---$22,870
Insurance---$21,729
Advertising---$17,661
Fees for Services Accounting---$12,387
Pension Plan Contributions---$11,695
Interest---$2,733
Travel---$1,424
Other Expenses---$-505
Total Functional Expenses$0$0$0$1,126,682
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$765,627$899,748▲ $134,121
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Savings Accounts$15,549,070
Checking Accounts$4,664,858
Cert of Dep Accounts$4,656,938
Ira Accounts$1,034,835
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
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

Part VI Line 11B

“Review at the monthly board meeting”

Part VI Line 15A or B

“Reviewed at board meeting”

Part VI Line 19

“Financial statements are displayed in the lobby, all other documents”

Part VI Line 19

“Are available upon request”

Filing and Contact Details

Filer

Filer Name
Deer River Cooperative Credit Union
EIN
41-0216120
In Care Of
% MARY GOGGLEYE
Phone
2182468777
Address
PO BOX 158, DEER RIVER, MN 56636

Signing Officer

Name
Mary Goggleye
Title
President
Phone
2182468777
Signed
2025-04-24

Organization Details

Principal Officer
Mary Goggleye
Formed
1938
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
0
Employees
7
Volunteers
5
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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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CERT OF DEP ACCOUNTS
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4RE COLLATERA
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt614621
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0NICOLE OSSE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1CHARLES ISAACS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MARY GOGGLEYE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3BARBARA GUNDERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4EMILY BENHAM
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5LYDIA WHITE
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2PRES
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4VICE PRES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5SUP VISORY
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0REVIEW AT THE MONTHLY BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1REVIEWED AT BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY, ALL OTHER DOCUMENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 19
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IRS990/UponRequestInd0X
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IRS990/USAddress/ZIPCd056636
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MARY GOGGLEYE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02182468777
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-24

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