Civic Intelligence

Share Advantage Credit Uinon

EIN 41-0226110 • 501(c)14 • Duluth, MN

View Organization Page

Profile

Credit union section 501 (c)(14), to serve the members financial needs, today, tomorrow and in the future.

2502 Maple Grove RdDuluth, MN 55811

www.myshareadvantage.com

Siviq Scores

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

Liabilities / Assets

56th percentile

0.89x

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

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

56th percentile

17.18x

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

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

86th percentile

24%

Higher net margin than 86% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

68th percentile

2.9%

Faster asset growth than 68% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

50th percentile

12%

Faster revenue growth than 50% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$56,395,773

Up $1,571,698 (+2.9%) from 2023

Liabilities

Up

$50,110,754

Up $454,807 (+0.9%) from 2023

Net Assets

Up

$6,285,019

Up $1,116,891 (+22%) from 2023

Operations
Liabilities / Revenue56th percentileNet Margin86th percentile

Revenue

Up

$2,917,204

Up $321,789 (+12%) from 2023

Expenses

Up

$2,224,857

Up $206,707 (+10%) from 2023

Net Income

Up

$692,347

Up $115,082 (+20%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth68th percentile

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

$80M$60M$40M$20M$0Assets 2010: $28,942,051Liabilities 2010: $26,550,633Net Assets 2010: $2,391,4182010Assets 2011: $30,158,008Liabilities 2011: $27,612,360Net Assets 2011: $2,545,6482011Assets 2012: $31,899,691Liabilities 2012: $29,206,498Net Assets 2012: $2,693,1932012Assets 2013: $32,888,536Liabilities 2013: $30,092,515Net Assets 2013: $2,796,0212013Assets 2014: $37,662,695Liabilities 2014: $34,600,738Net Assets 2014: $3,061,9572014Assets 2015: $41,080,883Liabilities 2015: $37,651,784Net Assets 2015: $3,429,0992015Assets 2016: $41,142,719Liabilities 2016: $37,531,673Net Assets 2016: $3,611,0462016Assets 2017: $41,574,707Liabilities 2017: $37,763,430Net Assets 2017: $3,811,2772017Assets 2018: $44,208,383Liabilities 2018: $40,214,118Net Assets 2018: $3,994,2652018Assets 2019: $47,937,620Liabilities 2019: $43,539,605Net Assets 2019: $4,398,0152019Assets 2020: $55,210,780Liabilities 2020: $50,507,555Net Assets 2020: $4,703,2252020Assets 2021: $59,665,207Liabilities 2021: $54,777,047Net Assets 2021: $4,888,1602021Assets 2022: $61,488,258Liabilities 2022: $57,040,002Net Assets 2022: $4,448,2562022Assets 2023: $54,824,075Liabilities 2023: $49,655,947Net Assets 2023: $5,168,1282023Assets 2024: $56,395,773Liabilities 2024: $50,110,754Net Assets 2024: $6,285,0192024

Highlighted filing

2024

Assets$56,395,773
Liabilities$50,110,754
Net Assets$6,285,019
Open 2024 Filing

Operations Trend

Revenue Growth50th percentile

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,640,5942010Expenses 2011: $1,483,6642011Expenses 2012: $1,391,0732012Revenue 2013: $1,526,124Expenses 2013: $1,370,956Net Income 2013: $155,1682013Revenue 2014: $1,624,598Expenses 2014: $1,368,229Net Income 2014: $256,3692014Revenue 2015: $1,752,008Expenses 2015: $1,384,488Net Income 2015: $367,5202015Revenue 2016: $1,647,241Expenses 2016: $1,432,054Net Income 2016: $215,1872016Revenue 2017: $1,597,584Expenses 2017: $1,397,043Net Income 2017: $200,5412017Revenue 2018: $1,799,703Expenses 2018: $1,596,869Net Income 2018: $202,8342018Revenue 2019: $2,054,850Expenses 2019: $1,756,791Net Income 2019: $298,0592019Revenue 2020: $2,090,081Expenses 2020: $1,847,228Net Income 2020: $242,8532020Revenue 2021: $2,126,929Expenses 2021: $1,761,567Net Income 2021: $365,3622021Revenue 2022: $2,225,807Expenses 2022: $1,761,353Net Income 2022: $464,4542022Revenue 2023: $2,595,415Expenses 2023: $2,018,150Net Income 2023: $577,2652023Revenue 2024: $2,917,204Expenses 2024: $2,224,857Net Income 2024: $692,3472024

Highlighted filing

2024

Revenue$2,917,204
Expenses$2,224,857
Net Income$692,347
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
$56,395,773
Liabilities
$50,110,754
Net assets
$6,285,019
Revenue
$2,917,204
Expenses
$2,224,857
Net income
$692,347
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.4$50.1$6.29$2.92$2.22$0.69
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$54.8$49.7$5.17$2.60$2.02$0.58
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.5$57.0$4.45$2.23$1.76$0.46
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$59.7$54.8$4.89$2.13$1.76$0.37
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$55.2$50.5$4.70$2.09$1.85$0.24
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.9$43.5$4.40$2.05$1.76$0.30
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.2$40.2$3.99$1.80$1.60$0.20
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.6$37.8$3.81$1.60$1.40$0.20
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.1$37.5$3.61$1.65$1.43$0.22
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.1$37.7$3.43$1.75$1.38$0.37
2014Detailed filing. Detailed filing data is available for this year.$37.7$34.6$3.06$1.62$1.37$0.26
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$32.9$30.1$2.80$1.53$1.37$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.9$29.2$2.69$1.39
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$27.6$2.55$1.48
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.9$26.6$2.39$1.64
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.0
Gross Receipts
$3,181,986
Mission and Program Overview

Mission

Credit union section 501 (c)(14), to serve the members financial needs, today, tomorrow and in the future.

Credit union section 501(c)(14), to serve the members financial needs, today, tomorrow and in the future.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$35,744,759$37,452,354▲ $1,707,595
Rtn Earn Endowment Incm Other Fnds$5,168,128$6,285,019▲ $1,116,891
Cash and Non-Interest-Bearing Accounts$4,469,011$5,941,445▲ $1,472,434
Savings and Temporary Cash Investments$7,944,185$5,811,194▼ $2,132,991
Investments in Publicly Traded Securities$4,736,014$5,609,797▲ $873,783
Land, Buildings, and Equipment, Net$840,843$819,147▼ $21,696
Investments Other Securities$867,279$584,472▼ $282,807
Prepaid Expenses and Deferred Charges$100,819$39,580▼ $61,239
Total Assets$54,824,075$56,395,773▲ $1,571,698
Other Assets Total$121,165$137,784▲ $16,619
Liabilities
Other Liabilities$48,316,235$49,102,617▲ $786,382
Accounts Payable and Accrued Expenses$1,339,712$1,008,137▼ $331,575
Total Liabilities$49,655,947$50,110,754▲ $454,807
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,168,128$6,285,019▲ $1,116,891
Total Liabilities and Net Assets / Fund Balance$54,824,075$56,395,773▲ $1,571,698

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$389,729$376,246$765,975
Equipment$94,434$314,235$408,669
Land$334,984-$334,984
Leasehold Improvements-$1,258$1,258
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kellee Lueck-schaferCEO/presidenFT$187,418$49,435$236,853
Kellee Lueck-schaferCEO/president-$187,418$49,435$236,853
Steven M RuceChair-$900-$900
Kent LarsonDirector-$750-$750
Marc PetersonDirector-$675-$675
Mike MarturanoVice Chair-$675-$675
Floranne NyquistSecretary-$600-$600
Ruth MartinDirector-$525-$525

Board Members and Trustees

NameTitle
Richard ErlanderDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,294,122
Investment Income
$621,723
Other Revenue
$1,359
Change in Net Assets
$692,347
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,001,738
Other Expenses$997,949
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$640,371
Current Officers, Directors, Trustees, and Key Employees---$240,978
Benefits to Members---$225,170
Information Technology---$206,051
Office Expenses---$135,885
Fees for Services Accounting---$98,954
Occupancy---$65,575
All Other Expenses---$60,653
Payroll Taxes---$60,209
Advertising---$55,335
Depreciation Depletion---$51,826
Other Employee Benefits---$38,810
Pension Plan Contributions---$21,370
Other Expenses---$20,225
Insurance---$18,325
Interest---$10,438
Fees for Services Other---$5,500
Travel---$2,577
Conferences and Meetings---$228
Total Functional Expenses$0$0$0$2,224,857
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
Shares$43,589,331
Cert. of Deposits$4,927,419
Ira$585,867
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
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

“Members must meet the membership eligibility of the credit union. They work for certain employers, work for the credit union, or live, work, worship or attend school, businesses or other legal entities located in duluth, hermantown, and proctor, minnesota.”

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

“Members have the right to elect the board of directors, each share gets one vote.”

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

“The credit union has a supervisory committee consisting of 5 members who has the right to remove a member of the board of directors.”

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

“The ceo and cfo of the credit union are given a copy of the 990 to review prior to the filing of the form by the tax preparer.”

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

“Compensation for the ceo/president is reviewed using comparable industry data and approved annually by the board of directors.”

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

“The board of directors approve payroll through the budget process. The membership approves board compensation at the annual meeting.”

Form 990, Page 6, Part VI, Line 19

“Available upon request at the duluth office.”

Filing and Contact Details

Filer

Filer Name
Share Advantage Credit Union
EIN
41-0226110
Phone
2187225931
Address
2502 MAPLE GROVE RD, DULUTH, MN 55811

Signing Officer

Name
Kellee Lueck-schafer
Title
CEO/president
Phone
2187225931
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kellee Lueck-schafer
Formed
1926
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
7
Employees
17

Preparer

Firm
Esterbrooks Cpas Ltd
Address
302 W SUPERIOR ST STE200, DULUTH, MN 55802
Preparer
Michael a Pederson
Phone
2187276846
Raw XML Appendix367 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/BOYAmt01339712
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01008137
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION SECTION 501(C)(14), TO SERVE THE MEMBERS FINANCIAL NEEDS, TODAY, TOMORROW AND IN THE FUTURE.
IRS990/AdvertisingGrp/TotalAmt055335
IRS990/AllOtherExpensesGrp/TotalAmt060653
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt0225170
IRS990/BooksInCareOfDetail/PersonNm0KELLEE LUECK-SCHAFER
IRS990/BooksInCareOfDetail/PhoneNum02187225931
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02502 MAPLE GROVE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0DULUTH
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd055811
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt04469011
IRS990/CashNonInterestBearingGrp/EOYAmt05941445
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0240978
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt0228
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt0225170
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0621723
IRS990/CYOtherExpensesAmt0997949
IRS990/CYOtherRevenueAmt01359
IRS990/CYProgramServiceRevenueAmt02294122
IRS990/CYRevenuesLessExpensesAmt0692347
IRS990/CYSalariesCompEmpBnftPaidAmt01001738
IRS990/CYTotalExpensesAmt02224857
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02917204
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt051826
IRS990/Desc0SERVED THE FINANCIAL NEEDS FOR THE 3,500 MEMBERS IN DULUTH, HERMANTOWN AND PROCTOR. - DIVIDENDS & INTEREST - ANNUAL MEETING
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt017
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt098954
IRS990/FeesForServicesOtherGrp/TotalAmt05500
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt749435
IRS990/Form990PartVIISectionAGrp/PersonNm0STEVEN M RUCE
IRS990/Form990PartVIISectionAGrp/PersonNm1MIKE MARTURANO
IRS990/Form990PartVIISectionAGrp/PersonNm2FLORANNE NYQUIST
IRS990/Form990PartVIISectionAGrp/PersonNm3KENT LARSON
IRS990/Form990PartVIISectionAGrp/PersonNm4RICHARD ERLANDER
IRS990/Form990PartVIISectionAGrp/PersonNm5MARC PETERSON
IRS990/Form990PartVIISectionAGrp/PersonNm6RUTH MARTIN
IRS990/Form990PartVIISectionAGrp/PersonNm7KELLEE LUECK-SCHAFER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0900
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1675
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5675
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6525
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7187418
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO/PRESIDEN
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01926
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt0824
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0265606
IRS990/GrossReceiptsAmt03181986
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0206051
IRS990/InsuranceGrp/TotalAmt018325
IRS990/InterestGrp/TotalAmt010438
IRS990/InvestmentIncomeGrp/ExclusionAmt0620899
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0620899
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0867279
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0584472
IRS990/InvestmentsPubTradedSecGrp/BOYAmt04736014
IRS990/InvestmentsPubTradedSecGrp/EOYAmt05609797
IRS990/IRPDocumentCnt010
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0691739
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0840843
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0819147
IRS990/LandBldgEquipCostOrOtherBssAmt01510886
IRS990/LegalDomicileStateCd0MN
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0264782
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION SECTION 501(C)(14), TO SERVE THE MEMBERS FINANCIAL NEEDS, TODAY, TOMORROW AND IN THE FUTURE.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05168128
IRS990/NetAssetsOrFundBalancesEOYAmt06285019
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0824
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0824
IRS990/NetUnrlzdGainsLossesInvstAmt0424544
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt065575
IRS990/OfficeExpensesGrp/TotalAmt0135885
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0121165
IRS990/OtherAssetsTotalGrp/EOYAmt0137784
IRS990/OtherEmployeeBenefitsGrp/TotalAmt038810
IRS990/OtherExpensesGrp/Desc0ATM/DEBIT CARD EXP
IRS990/OtherExpensesGrp/Desc1COMPUTER MAINTENANCE COST
IRS990/OtherExpensesGrp/Desc2VISA CC PROGRAM EXP
IRS990/OtherExpensesGrp/Desc3COURIER EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0208847
IRS990/OtherExpensesGrp/TotalAmt134175
IRS990/OtherExpensesGrp/TotalAmt223355
IRS990/OtherExpensesGrp/TotalAmt320225
IRS990/OtherLiabilitiesGrp/BOYAmt048316235
IRS990/OtherLiabilitiesGrp/EOYAmt049102617
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/Desc0MERCHANDISE SALES
IRS990/OtherRevenueMiscGrp/Desc1STABILIZATION FUNDS RECOVERY
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01004
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1355
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01004
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1355
IRS990/OtherRevenueTotalAmt01359
IRS990/OtherSalariesAndWagesGrp/TotalAmt0640371
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt035744759
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt037452354
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt060209
IRS990/PensionPlanContributionsGrp/TotalAmt021370
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0100819
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt039580
IRS990/PrincipalOfficerNm0KELLEE LUECK-SCHAFER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES & FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01950077
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1344045
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01950077
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1344045
IRS990/ProgSrvcAccomActy2Grp/Desc0PRINTING & PROMOTION - NEWSLETTER PUBLICATIONS - INFORMATIONAL BROCHURES
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0127128
IRS990/PYInvestmentIncomeAmt0548970
IRS990/PYOtherExpensesAmt01055795
IRS990/PYOtherRevenueAmt018884
IRS990/PYProgramServiceRevenueAmt02027561
IRS990/PYRevenuesLessExpensesAmt0577265
IRS990/PYSalariesCompEmpBnftPaidAmt0835227
IRS990/PYTotalExpensesAmt02018150
IRS990/PYTotalRevenueAmt02595415
IRS990/ReconcilationRevenueExpnssAmt0692347
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05168128
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06285019
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07944185
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05811194
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0389729
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0376246
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0765975
IRS990ScheduleD/EquipmentGrp/BookValueAmt094434
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0314235
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0408669
IRS990ScheduleD/LandGrp/BookValueAmt0334984
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0334984
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01258
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01258
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt043589331
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14927419
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2585867
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CERT. OF DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRA
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0819147
IRS990ScheduleD/TotalLiabilityAmt049102617
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0187418
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt022224
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt027211
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KELLEE LUECK-SCHAFER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0236853
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS MUST MEET THE MEMBERSHIP ELIGIBILITY OF THE CREDIT UNION. THEY WORK FOR CERTAIN EMPLOYERS, WORK FOR THE CREDIT UNION, OR LIVE, WORK, WORSHIP OR ATTEND SCHOOL, BUSINESSES OR OTHER LEGAL ENTITIES LOCATED IN DULUTH, HERMANTOWN, AND PROCTOR, MINNESOTA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS HAVE THE RIGHT TO ELECT THE BOARD OF DIRECTORS, EACH SHARE GETS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION HAS A SUPERVISORY COMMITTEE CONSISTING OF 5 MEMBERS WHO HAS THE RIGHT TO REMOVE A MEMBER OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CEO AND CFO OF THE CREDIT UNION ARE GIVEN A COPY OF THE 990 TO REVIEW PRIOR TO THE FILING OF THE FORM BY THE TAX PREPARER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION FOR THE CEO/PRESIDENT IS REVIEWED USING COMPARABLE INDUSTRY DATA AND APPROVED ANNUALLY BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS APPROVE PAYROLL THROUGH THE BUDGET PROCESS. THE MEMBERSHIP APPROVES BOARD COMPENSATION AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6AVAILABLE UPON REQUEST AT THE DULUTH OFFICE.
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 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt054824075
IRS990/TotalAssetsEOYAmt056395773
IRS990/TotalAssetsGrp/BOYAmt054824075
IRS990/TotalAssetsGrp/EOYAmt056395773
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02224857
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt049655947
IRS990/TotalLiabilitiesEOYAmt050110754
IRS990/TotalLiabilitiesGrp/BOYAmt049655947
IRS990/TotalLiabilitiesGrp/EOYAmt050110754
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05168128
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06285019
IRS990/TotalOtherCompensationAmt049435
IRS990/TotalProgramServiceRevenueAmt02294122
IRS990/TotalReportableCompFromOrgAmt0191543
IRS990/TotalRevenueGrp/ExclusionAmt0620899
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02296305
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02917204
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt054824075
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt056395773
IRS990/TravelGrp/TotalAmt02577
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02502 MAPLE GROVE ROAD
IRS990/USAddress/CityNm0DULUTH
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055811
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MYSHAREADVANTAGE.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KELLEE LUECK-SCHAFER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02187225931
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SHARE ADVANTAGE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SHAR
ReturnHeader/Filer/EIN0410226110
ReturnHeader/Filer/PhoneNum02187225931
ReturnHeader/Filer/USAddress/AddressLine1Txt02502 MAPLE GROVE RD
ReturnHeader/Filer/USAddress/CityNm0DULUTH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055811
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0411414667
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ESTERBROOKS CPAS LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0302 W SUPERIOR ST STE200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DULUTH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd055802
ReturnHeader/PreparerPersonGrp/PhoneNum02187276846
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL A PEDERSON
ReturnHeader/ReturnTs02025-11-17T14:11:22-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.