Civic Intelligence

Duluth Police Department Credit Union

EIN 41-0226495 • 501(c)14 • Duluth, MN

Profile

To promote thrift among our members and create a source of credit for them at legitimate rates of interest.

2030 N Arlington AveDuluth, MN 55811

n/A

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.78x

Higher debt load relative to assets than 22% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

74th percentile

19.09x

Higher debt load relative to revenue than 74% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Net Margin

91st percentile

22%

Higher net margin than 91% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

24th percentile

$35,152

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 11.0% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Asset Growth

48th percentile

-1.3%

Faster asset growth than 48% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

78th percentile

16%

Faster revenue growth than 78% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Down

$7,807,440

Down $104,604 (-1.3%) from 2024

Liabilities

Down

$6,075,611

Down $175,464 (-2.8%) from 2024

Net Assets

Up

$1,731,829

Up $70,860 (+4.3%) from 2024

Operations
Liabilities / Revenue74th percentileNet Margin91st percentile

Revenue

Up

$318,271

Up $44,541 (+16%) from 2024

Expenses

Up

$247,411

Up $27,855 (+13%) from 2024

Net Income

Up

$70,860

Up $16,686 (+31%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth48th percentile

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

$15M$10M$5.0M$0Assets 2011: $9,209,498Liabilities 2011: $9,209,498Net Assets 2011: $02011Assets 2012: $9,381,793Liabilities 2012: $9,381,793Net Assets 2012: $02012Assets 2013: $9,975,057Liabilities 2013: $9,975,057Net Assets 2013: $9,975,0572013Assets 2014: $9,464,973Liabilities 2014: $9,464,973Net Assets 2014: $02014Assets 2015: $10,690,596Liabilities 2015: $10,690,596Net Assets 2015: $02015Assets 2016: $10,438,325Liabilities 2016: $10,438,325Net Assets 2016: $02016Assets 2017: $10,323,612Liabilities 2017: $10,323,612Net Assets 2017: $02017Assets 2018: $10,559,476Liabilities 2018: $10,559,476Net Assets 2018: $02018Assets 2019: $10,556,891Liabilities 2019: $10,556,891Net Assets 2019: $02019Assets 2020: $11,362,493Liabilities 2020: $9,934,783Net Assets 2020: $1,427,7102020Assets 2021: $12,334,460Liabilities 2021: $10,804,388Net Assets 2021: $1,530,0722021Assets 2022: $11,020,385Liabilities 2022: $9,440,179Net Assets 2022: $1,580,2062022Assets 2023: $8,967,289Liabilities 2023: $7,360,494Net Assets 2023: $1,606,7952023Assets 2024: $7,912,044Liabilities 2024: $6,251,075Net Assets 2024: $1,660,9692024Assets 2025: $7,807,440Liabilities 2025: $6,075,611Net Assets 2025: $1,731,8292025

Highlighted filing

2025

Assets$7,807,440
Liabilities$6,075,611
Net Assets$1,731,829
Open 2025 Filing

Operations Trend

Revenue Growth78th percentile

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

$400K$300K$200K$100K$0Revenue 2011: $274,417Expenses 2011: $233,361Net Income 2011: $41,0562011Revenue 2012: $244,280Expenses 2012: $211,989Net Income 2012: $32,2912012Revenue 2013: $228,763Expenses 2013: $205,516Net Income 2013: $23,2472013Revenue 2014: $248,409Expenses 2014: $193,544Net Income 2014: $54,8652014Revenue 2015: $224,057Expenses 2015: $187,874Net Income 2015: $36,1832015Revenue 2016: $238,053Expenses 2016: $171,579Net Income 2016: $66,4742016Revenue 2017: $246,603Expenses 2017: $204,318Net Income 2017: $42,2852017Revenue 2018: $281,890Expenses 2018: $198,563Net Income 2018: $83,3272018Revenue 2019: $287,808Expenses 2019: $225,501Net Income 2019: $62,3072019Revenue 2020: $285,380Expenses 2020: $185,115Net Income 2020: $100,2652020Revenue 2021: $280,587Expenses 2021: $178,225Net Income 2021: $102,3622021Revenue 2022: $226,691Expenses 2022: $176,557Net Income 2022: $50,1342022Revenue 2023: $221,527Expenses 2023: $194,938Net Income 2023: $26,5892023Revenue 2024: $273,730Expenses 2024: $219,556Net Income 2024: $54,1742024Revenue 2025: $318,271Expenses 2025: $247,411Net Income 2025: $70,8602025

Highlighted filing

2025

Revenue$318,271
Expenses$247,411
Net Income$70,860
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,807,440
Liabilities
$6,075,611
Net assets
$1,731,829
Revenue
$318,271
Expenses
$247,411
Net income
$70,860
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.81$6.08$1.73$0.32$0.25$0.07
2024Detailed filing. Detailed filing data is available for this year.$7.91$6.25$1.66$0.27$0.22$0.05
2023Detailed filing. Detailed filing data is available for this year.$8.97$7.36$1.61$0.22$0.19$0.03
2022Detailed filing. Detailed filing data is available for this year.$11.0$9.44$1.58$0.23$0.18$0.05
2021Detailed filing. Detailed filing data is available for this year.$12.3$10.8$1.53$0.28$0.18$0.10
2020Detailed filing. Detailed filing data is available for this year.$11.4$9.93$1.43$0.29$0.19$0.10
2019Summary only. Only limited summary data is available for this year.$10.6$10.6$0.00$0.29$0.23$0.06
2018Summary only. Only limited summary data is available for this year.$10.6$10.6$0.00$0.28$0.20$0.08
2017Summary only. Only limited summary data is available for this year.$10.3$10.3$0.00$0.25$0.20$0.04
2016Summary only. Only limited summary data is available for this year.$10.4$10.4$0.00$0.24$0.17$0.07
2015Summary only. Only limited summary data is available for this year.$10.7$10.7$0.00$0.22$0.19$0.04
2014Summary only. Only limited summary data is available for this year.$9.46$9.46$0.00$0.25$0.19$0.05
2013Summary only. Only limited summary data is available for this year.$9.98$9.98$9.98$0.23$0.21$0.02
2012Summary only. Only limited summary data is available for this year.$9.38$9.38$0.00$0.24$0.21$0.03
2011Summary only. Only limited summary data is available for this year.$9.21$9.21$0.00$0.27$0.23$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 4, 2026
Return Version
2025v4.0
Gross Receipts
$318,271
Mission and Program Overview

Mission

To promote thrift among our members and create a source of credit for them at legitimate rates of interest.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,597,952$4,340,325▼ $257,627
Savings and Temporary Cash Investments$2,568,701$2,382,530▼ $186,171
Rtn Earn Endowment Incm Other Fnds$1,660,969$1,731,829▲ $70,860
Investments Program Related$657,001$999,001▲ $342,000
Cash and Non-Interest-Bearing Accounts$18,285$23,073▲ $4,788
Total Assets$7,912,044$7,807,440▼ $104,604
Other Assets Total$70,105$62,511▼ $7,594
Liabilities
Other Liabilities$6,251,075$6,075,611▼ $175,464
Total Liabilities$6,251,075$6,075,611▼ $175,464
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,660,969$1,731,829▲ $70,860
Total Liabilities and Net Assets / Fund Balance$7,912,044$7,807,440▼ $104,604

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$10,001--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Thomas EhleManager / TrPT$35,152$35,152

Board Members and Trustees

NameTitle
John KalenowskiChair
Richard VoltzkeVice Chair
Milton HutaDirector
Rebecca PalmiDirector
Claudia JohnsonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$237,926
Investment Income
$79,870
Other Revenue
$475
Change in Net Assets
$70,860
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$153,803
Salaries, Compensation, and Employee Benefits$93,608
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$51,340
Current Officers, Directors, Trustees, and Key Employees---$35,152
Office Expenses---$24,395
Information Technology---$18,649
Payroll Taxes---$7,116
Insurance---$5,904
Fees for Services Accounting---$3,425
Occupancy---$2,391
Conferences and Meetings---$1,957
Other Expenses---$1,655
Advertising---$100
Total Functional Expenses$0$0$0$247,411
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$6,075,611
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
No
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

“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 provides the information to independent cpa who completes the return. Management reviews the return for accuracy, and then authorizes cpa to e-file the approved return. Management reviews the return with the directors at their next board meeting.”

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

“The board of directors determines the salary of the manager and all employees, and their decision is noted in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and financial statements are available on request.”

Filing and Contact Details

Filer

Filer Name
Duluth Police Department Employees
EIN
41-0226495
Phone
2187305140
Address
2030 N ARLINGTON AVE, DULUTH, MN 55811

Signing Officer

Name
Thomas Ehle
Title
Manager / Treasurer
Phone
2187305140
Signed
2026-03-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas Ehle
Formed
1938
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
4
Employees
4
Volunteers
7

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Raw XML Appendix299 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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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 PROVIDES THE INFORMATION TO INDEPENDENT CPA WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE DIRECTORS AT THEIR NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS DETERMINES THE SALARY OF THE MANAGER AND ALL EMPLOYEES, AND THEIR DECISION IS NOTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE ON 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/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt07912044
IRS990/TotalAssetsEOYAmt07807440
IRS990/TotalAssetsGrp/BOYAmt07912044
IRS990/TotalAssetsGrp/EOYAmt07807440
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0247411
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06251075
IRS990/TotalLiabilitiesEOYAmt06075611
IRS990/TotalLiabilitiesGrp/BOYAmt06251075
IRS990/TotalLiabilitiesGrp/EOYAmt06075611
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01660969
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01731829
IRS990/TotalProgramServiceRevenueAmt0237926
IRS990/TotalReportableCompFromOrgAmt035152
IRS990/TotalRevenueGrp/ExclusionAmt080345
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0237926
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0318271
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07912044
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07807440
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02030 N ARLINGTON AVE
IRS990/USAddress/CityNm0DULUTH
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055811
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0THOMAS EHLE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER / TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum02187305140
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DULUTH POLICE DEPARTMENT EMPLOYEES
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0DULU
ReturnHeader/Filer/EIN0410226495
ReturnHeader/Filer/PhoneNum02187305140
ReturnHeader/Filer/USAddress/AddressLine1Txt02030 N ARLINGTON AVE
ReturnHeader/Filer/USAddress/CityNm0DULUTH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055811
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0461065712
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRENT WOOKEY CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 1512
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LA CROSSE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546021512
ReturnHeader/PreparerPersonGrp/PhoneNum06087920843
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-03-05T11:59:04-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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