Civic Intelligence

Northern Communities Credit Union

EIN 41-0225925 • 501(c)14 • Duluth, MN

View Organization Page

Profile

To promote member success by meeting their changing financial needs.

3311 West Arrowhead RoadDuluth, MN 55811

www.nccyou.com

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.89x

Higher debt load relative to assets than 43% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

29th percentile

13.15x

Higher debt load relative to revenue than 29% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

69th percentile

17%

Higher net margin than 69% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

89th percentile

$412,375

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 5.6% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

80th percentile

6.8%

Faster asset growth than 80% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

72nd percentile

18%

Faster revenue growth than 72% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$108,506,640

Up $6,944,595 (+6.8%) from 2023

Liabilities

Up

$96,196,907

Up $5,733,784 (+6.3%) from 2023

Net Assets

Up

$12,309,733

Up $1,210,811 (+11%) from 2023

Operations
Liabilities / Revenue29th percentileNet Margin69th percentile

Revenue

Up

$7,313,509

Up $1,124,034 (+18%) from 2023

Expenses

Up

$6,102,698

Up $1,036,622 (+20%) from 2023

Net Income

Up

$1,210,811

Up $87,412 (+7.8%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth80th percentile

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

$150M$100M$50M$0Assets 2011: $68,478,730Liabilities 2011: $62,821,743Net Assets 2011: $5,656,9872011Assets 2012: $73,024,140Liabilities 2012: $67,348,181Net Assets 2012: $5,675,9592012Assets 2013: $71,054,873Liabilities 2013: $65,355,627Net Assets 2013: $5,699,2462013Assets 2014: $70,804,340Liabilities 2014: $65,673,451Net Assets 2014: $5,130,8892014Assets 2015: $71,581,899Liabilities 2015: $66,420,668Net Assets 2015: $5,161,2312015Assets 2016: $71,599,116Liabilities 2016: $66,323,882Net Assets 2016: $5,275,2342016Assets 2017: $72,445,089Liabilities 2017: $66,707,265Net Assets 2017: $5,737,8242017Assets 2018: $73,538,535Liabilities 2018: $66,922,800Net Assets 2018: $6,615,7352018Assets 2019: $75,737,048Liabilities 2019: $68,140,169Net Assets 2019: $7,596,8792019Assets 2020: $89,854,744Liabilities 2020: $81,460,047Net Assets 2020: $8,394,6972020Assets 2021: $101,821,358Liabilities 2021: $92,398,610Net Assets 2021: $9,422,7482021Assets 2022: $104,832,624Liabilities 2022: $94,686,653Net Assets 2022: $10,145,9712022Assets 2023: $101,562,045Liabilities 2023: $90,463,123Net Assets 2023: $11,098,9222023Assets 2024: $108,506,640Liabilities 2024: $96,196,907Net Assets 2024: $12,309,7332024

Highlighted filing

2024

Assets$108,506,640
Liabilities$96,196,907
Net Assets$12,309,733
Open 2024 Filing

Operations Trend

Revenue Growth72nd percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2011: $3,991,3532011Expenses 2012: $4,073,9102012Revenue 2013: $3,583,432Expenses 2013: $3,560,145Net Income 2013: $23,2872013Revenue 2014: $3,571,501Expenses 2014: $4,139,858Net Income 2014: -$568,3572014Revenue 2015: $3,617,270Expenses 2015: $3,586,928Net Income 2015: $30,3422015Revenue 2016: $3,507,178Expenses 2016: $3,393,175Net Income 2016: $114,0032016Revenue 2017: $3,623,610Expenses 2017: $3,161,020Net Income 2017: $462,5902017Revenue 2018: $3,985,809Expenses 2018: $3,107,898Net Income 2018: $877,9112018Revenue 2019: $4,305,352Expenses 2019: $3,324,208Net Income 2019: $981,1442019Revenue 2020: $4,233,203Expenses 2020: $3,435,385Net Income 2020: $797,8182020Revenue 2021: $4,585,811Expenses 2021: $3,557,760Net Income 2021: $1,028,0512021Revenue 2022: $4,887,350Expenses 2022: $4,164,127Net Income 2022: $723,2232022Revenue 2023: $6,189,475Expenses 2023: $5,066,076Net Income 2023: $1,123,3992023Revenue 2024: $7,313,509Expenses 2024: $6,102,698Net Income 2024: $1,210,8112024

Highlighted filing

2024

Revenue$7,313,509
Expenses$6,102,698
Net Income$1,210,811
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$108,506,640
Liabilities
$96,196,907
Net assets
$12,309,733
Revenue
$7,313,509
Expenses
$6,102,698
Net income
$1,210,811
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$109$96.2$12.3$7.31$6.10$1.21
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$90.5$11.1$6.19$5.07$1.12
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$105$94.7$10.1$4.89$4.16$0.72
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$102$92.4$9.42$4.59$3.56$1.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$89.9$81.5$8.39$4.23$3.44$0.80
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$75.7$68.1$7.60$4.31$3.32$0.98
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.5$66.9$6.62$3.99$3.11$0.88
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$72.4$66.7$5.74$3.62$3.16$0.46
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.6$66.3$5.28$3.51$3.39$0.11
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.6$66.4$5.16$3.62$3.59$0.03
2014Detailed filing. Detailed filing data is available for this year.$70.8$65.7$5.13$3.57$4.14$0.57
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$71.1$65.4$5.70$3.58$3.56$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.0$67.3$5.68$4.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.5$62.8$5.66$3.99
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 3, 2025
Return Version
2024v5.0
Gross Receipts
$7,330,947
Mission and Program Overview

Mission

To promote member success by meeting their changing financial needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$82,700,707$89,643,363▲ $6,942,656
Rtn Earn Endowment Incm Other Fnds$11,098,922$12,309,733▲ $1,210,811
Savings and Temporary Cash Investments$5,945,588$9,918,088▲ $3,972,500
Land, Buildings, and Equipment, Net$2,404,060$2,416,112▲ $12,052
Investments Program Related$5,980,630$1,901,730▼ $4,078,900
Cash and Non-Interest-Bearing Accounts$842,059$885,613▲ $43,554
Prepaid Expenses and Deferred Charges$692,082$618,884▼ $73,198
Accounts Receivable$10,003$6,412▼ $3,591
Total Assets$101,562,045$108,506,640▲ $6,944,595
Other Assets Total$2,986,916$3,116,438▲ $129,522
Liabilities
Other Liabilities$88,410,150$94,958,057▲ $6,547,907
Accounts Payable and Accrued Expenses$1,100,339$1,224,601▲ $124,262
Unsecured Notes Loans Payable$930,915--
Escrow Account Liability$21,719$14,249▼ $7,470
Total Liabilities$90,463,123$96,196,907▲ $5,733,784
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,098,922$12,309,733▲ $1,210,811
Total Liabilities and Net Assets / Fund Balance$101,562,045$108,506,640▲ $6,944,595

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,791,605$1,630,771$3,422,376
Equipment$257,192$1,109,146$1,366,338
Land$367,315-$367,315
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Trina HoffPresident/ceFT$332,557$79,818$412,375
Trina HoffPresident/CEO-$170,701$241,674$412,375
Anitta ChandlerCOOFT$111,703$81,534$193,237
Shannon LundquistVP LendingFT$91,735$72,332$164,067
Dirk DavisVice Chair-$2,136$66$2,202
John LindquistDirector-$1,259$66$1,325
George WaltersDirector-$996$66$1,062
Shawn HerhuskyChair-$484$66$550
Karen EricksonDirector-$465$66$531
James KrollDirector-$409$66$475
Ruth HemmingSecretary-$328$66$394
Charles SchumacherDirector-$283$66$349
Robert MccubbinDirector-$234$66$300

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu Coop Systems INCCard Processing9692 HAVEN AVE, STE 1120, Rancho Cucamonga, CA 91730$305,000
Share One INCCore Sys Softwr2650 THOUSAND OAKS BLVD, Memphis, TN 38118$217,177
Revenue and Support

Revenue Composition

Contributions and Grants
$8,000
Program Service Revenue
$6,977,460
Investment Income
$312,462
Other Revenue
$15,587
All Other Contributions
$8,000
Change in Net Assets
$1,210,811
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,821,864
Salaries, Compensation, and Employee Benefits$2,273,930
Grants and Similar Amounts Paid$6,904
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,128,789
Office Expenses---$852,702
Current Officers, Directors, Trustees, and Key Employees---$641,291
Other Expenses---$549,856
Other Employee Benefits---$247,719
Depreciation Depletion---$220,738
Information Technology---$213,127
Occupancy---$191,526
Fees for Services Other---$160,011
Payroll Taxes---$139,758
Conferences and Meetings---$128,505
Pension Plan Contributions---$116,373
Advertising---$114,677
Insurance---$56,143
Fees for Services Accounting---$29,624
Interest---$17,983
Grants to Domestic Orgs---$5,884
Grants to Domestic Individuals---$1,020
Fees for Services Legal---$325
Total Functional Expenses$0$0$0$6,102,698
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
Member Shares & Deposits$94,939,435
Deferred Comp Payable$18,480
Lease Liability$14,391
Escrow Accounts to Line 21 Bal Sheet$-14,249
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
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, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

Form 990, Page 6, Part VI, Line 11B

“Management gathers information necessary to prepare return and provides the data to independent cpa who completes the return. Management reviews the return for accuracy, and then authorizes cpa to e-file the approved return.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors reviews and approves the president/ceo compensation. This approval is noted in the board minutes. A cuna salary survey is used as part of the process.”

Form 990, Page 6, Part VI, Line 19

“Governing documents, conflict of interest policy, and financial statements are available to members upon request.”

Filing and Contact Details

Filer

Filer Name
Northern Communities Credit Union
EIN
41-0225925
Phone
2182793200
Address
3311 WEST ARROWHEAD ROAD, DULUTH, MN 55811

Signing Officer

Name
Trina Hoff
Title
President/CEO
Phone
2182793200
Signed
2025-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Trina Hoff
Formed
1928
Legal Domicile
Mn
Voting Board Members
9
Independent Board Members
9
Employees
37

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The credit union holds funds in escrow accounts for property taxes and homeowners insurance related to mortgage loans.”

Raw XML AppendixShowing 400 of 455 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01100339
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01224601
IRS990/AccountsReceivableGrp/BOYAmt010003
IRS990/AccountsReceivableGrp/EOYAmt06412
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROMOTE MEMBER SUCCESS BY MEETING THEIR CHANGING FINANCIAL NEEDS.
IRS990/AdvertisingGrp/TotalAmt0114677
IRS990/AllOtherContributionsAmt08000
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BooksInCareOfDetail/PersonNm0TRINA HOFF
IRS990/BooksInCareOfDetail/PhoneNum02182793200
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03311 WEST ARROWHEAD ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0DULUTH
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd055811
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0842059
IRS990/CashNonInterestBearingGrp/EOYAmt0885613
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0641291
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt0128505
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0305000
IRS990/ContractorCompensationGrp/CompensationAmt1217177
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt09692 HAVEN AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12650 THOUSAND OAKS BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt0STE 1120
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1TN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd091730
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd138118
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CU COOP SYSTEMS INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1SHARE ONE INC
IRS990/ContractorCompensationGrp/ServicesDesc0CARD PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1CORE SYS SOFTWR
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt08000
IRS990/CYGrantsAndSimilarPaidAmt06904
IRS990/CYInvestmentIncomeAmt0312462
IRS990/CYOtherExpensesAmt03821864
IRS990/CYOtherRevenueAmt015587
IRS990/CYProgramServiceRevenueAmt06977460
IRS990/CYRevenuesLessExpensesAmt01210811
IRS990/CYSalariesCompEmpBnftPaidAmt02273930
IRS990/CYTotalExpensesAmt06102698
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07313509
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0220738
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 1,372 NEW DEPOSIT ACCOUNTS IN 2024. AS OF 12/31/24 WE HAD 6,772 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt037
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt021719
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IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt029624
IRS990/FeesForServicesLegalGrp/TotalAmt0325
IRS990/FeesForServicesOtherGrp/TotalAmt0160011
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/OfficerInd5X
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IRS990/Form990PartVIISectionAGrp/PersonNm0TRINA HOFF
IRS990/Form990PartVIISectionAGrp/PersonNm1ANITTA CHANDLER
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IRS990/Form990PartVIISectionAGrp/PersonNm3DIRK DAVIS
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IRS990/Form990PartVIISectionAGrp/PersonNm6SHAWN HERHUSKY
IRS990/Form990PartVIISectionAGrp/PersonNm7KAREN ERICKSON
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES KROLL
IRS990/Form990PartVIISectionAGrp/PersonNm9RUTH HEMMING
IRS990/Form990PartVIISectionAGrp/PersonNm10CHARLES SCHUMACHER
IRS990/Form990PartVIISectionAGrp/PersonNm11ROBERT MCCUBBIN
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1COO
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01928
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IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-8525
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt01020
IRS990/GrantsToDomesticOrgsGrp/TotalAmt05884
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt08913
IRS990/GrossReceiptsAmt07330947
IRS990/GrossRentsGrp/RealAmt04000
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
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IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/TotalAmt056143
IRS990/InterestGrp/TotalAmt017983
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IRS990/InvestmentsProgramRelatedGrp/EOYAmt01901730
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt02416112
IRS990/LandBldgEquipCostOrOtherBssAmt05156029
IRS990/LegalDomicileStateCd0MN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt017438
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IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROMOTE MEMBER SUCCESS BY MEETING THEIR CHANGING FINANCIAL NEEDS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt011098922
IRS990/NetAssetsOrFundBalancesEOYAmt012309733
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-8525
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-8525
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt04000
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt04000
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0191526
IRS990/OfficeExpensesGrp/TotalAmt0852702
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02986916
IRS990/OtherAssetsTotalGrp/EOYAmt03116438
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0247719
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN LOSS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0686116
IRS990/OtherExpensesGrp/TotalAmt1600531
IRS990/OtherExpensesGrp/TotalAmt2549856
IRS990/OtherLiabilitiesGrp/BOYAmt088410150
IRS990/OtherLiabilitiesGrp/EOYAmt094958057
IRS990/OtherSalariesAndWagesGrp/TotalAmt01128789
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt082700707
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt089643363
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0139758
IRS990/PensionPlanContributionsGrp/TotalAmt0116373
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0692082
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0618884
IRS990/PrincipalOfficerNm0TRINA HOFF
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER MEMBER RELATED REVENUE
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FEE & INSURANCE REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05726904
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1757944
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2486606
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05726904
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1757944
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2486606
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt36006
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt06006
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 1,401 NEW LOANS DURING 2024. AS OF 12/31/24 WE HAD 80,007 LOANS RECEIVABLE.
IRS990/ProgSrvcAccomActy3Grp/Desc0.
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IRS990/PYContributionsGrantsAmt05375
IRS990/PYGrantsAndSimilarPaidAmt010296
IRS990/PYInvestmentIncomeAmt0687997
IRS990/PYOtherExpensesAmt03082489
IRS990/PYOtherRevenueAmt044731
IRS990/PYProgramServiceRevenueAmt05451372
IRS990/PYRevenuesLessExpensesAmt01123399
IRS990/PYSalariesCompEmpBnftPaidAmt01973291
IRS990/PYTotalExpensesAmt05066076
IRS990/PYTotalRevenueAmt06189475
IRS990/ReconcilationRevenueExpnssAmt01210811
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt04000
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt011587
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt011587
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011098922
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012309733
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05945588
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09918088
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01791605
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01630771
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03422376
IRS990ScheduleD/EquipmentGrp/BookValueAmt0257192
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01109146
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01366338
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt0367315
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0367315
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt094939435
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt118480
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt214391
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3-14249
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DEFERRED COMP PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2LEASE LIABILITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3ESCROW ACCOUNTS TO LINE 21 BAL SHEET
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02416112
IRS990ScheduleD/TotalLiabilityAmt094958057
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0170701
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1111703
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt291735
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount022500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount19000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount27700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt0139188
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt142968
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt237498
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt048716
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt125434
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt213599
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt031102
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt12764
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt213367
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0139356
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt144336
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt237666
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TRINA HOFF
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ANITTA CHANDLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2SHANNON LUNDQUIST
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VP LENDING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0412375
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1193237
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2164067
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0TRINA HOFF 0 34,800 0 ANITTA CHANDLER 0 11,160 0 SHANNON LUNDQUIST 0 9,480 0
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE PRESIDENT/CEO, THE COO, AND THE VP LENDING PARTICIPATE IN A 457(F) PLAN. THE AMOUNTS SHOWN ABOVE ARE THE CONTRIBUTIONS TO THE PLAN FOR THIS CALENDAR YEAR. THESE INDIVIDUALS ALSO RECEIVED DISTRIBUTIONS FROM THE PLAN DURING 2024. THE AMOUNTS ARE SHOWN IN PART II, COLUMN F.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE J, PART III
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT GATHERS INFORMATION NECESSARY TO PREPARE RETURN AND PROVIDES THE DATA TO INDEPENDENT CPA WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT/CEO COMPENSATION. THIS APPROVAL IS NOTED IN THE BOARD MINUTES. A CUNA SALARY SURVEY IS USED AS PART OF THE PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalContributionsAmt08000
IRS990/TotalEmployeeCnt037
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt06102698
IRS990/TotalGrossUBIAmt06006
IRS990/TotalLiabilitiesBOYAmt090463123
IRS990/TotalLiabilitiesEOYAmt096196907

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