Liabilities / Assets
70th percentile
Higher debt load relative to assets than 70% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
70th percentile
Higher debt load relative to assets than 70% of similar nonprofits.
Liabilities / Revenue
68th percentile
Higher debt load relative to revenue than 68% of similar nonprofits.
Net Margin
82nd percentile
Higher net margin than 82% of similar nonprofits.
Top Officer Pay
48th percentile
Higher top officer pay than 48% of similar nonprofits.
Top officer pay equals 9.1% of source-year revenue.
Asset Growth
54th percentile
Faster asset growth than 54% of similar nonprofits.
Revenue Growth
78th percentile
Faster revenue growth than 78% of similar nonprofits.
Assets
Up$20,443,910
Up $479,510 (+2.4%) from 2013
Net Assets
Up$2,216,003
Up $121,777 (+5.8%) from 2013
Liabilities
Up$18,227,907
Up $357,733 (+2.0%) from 2013
Revenue
Up$763,075
Up $35,611 (+4.9%) from 2013
Expenses
Down$641,298
Down $16,194 (-2.5%) from 2013
Net Income
Up$121,777
Up $51,805 (+74%) from 2013
As a member-owned financial cooperative, we will develop and offer competitive product lines that meet members' needs while maintaining asset strength and be a full-service organization that satisfies the needs of the membership.
The Ely Area Credit Union is a member-owned financial cooperative which provides comprehensive, quality financial products and services at competitive rates.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $10,192,835 | $10,398,134 | ▲ $205,299 |
| Other Notes and Loans Receivable, Net | $8,445,077 | $8,995,692 | ▲ $550,615 |
| Rtn Earn Endowment Incm Other Fnds | $2,094,226 | $2,216,003 | ▲ $121,777 |
| Land, Buildings, and Equipment, Net | $462,105 | $417,306 | ▼ $44,799 |
| Cash and Non-Interest-Bearing Accounts | $655,681 | $393,811 | ▼ $261,870 |
| Prepaid Expenses and Deferred Charges | $13,299 | $14,169 | ▲ $870 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $19,964,400 | $20,443,910 | ▲ $479,510 |
| Other Assets Total | $195,403 | $224,798 | ▲ $29,395 |
| Liabilities | |||
| Other Liabilities | $17,733,871 | $18,103,510 | ▲ $369,639 |
| Accounts Payable and Accrued Expenses | $136,303 | $124,397 | ▼ $11,906 |
| Total Liabilities | $17,870,174 | $18,227,907 | ▲ $357,733 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,094,226 | $2,216,003 | ▲ $121,777 |
| Total Liabilities and Net Assets / Fund Balance | $19,964,400 | $20,443,910 | ▲ $479,510 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $293,877 | $19,062 | $312,939 |
| Land | $96,527 | - | $96,527 |
| Equipment | $26,902 | $33,287 | $60,189 |
| Other Land Buildings | $0 | $0 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Base | Total |
|---|---|---|---|
| Mark Krekelberg | Treasurer/Manager | $69,457 | $69,457 |
| Lolita Schnitzius | Supervisory comittee chairperson | $202 | $202 |
| Judy Niemela | Board President | $191 | $191 |
| Barbara Mathews | Director | $168 | $168 |
| Anthony Gornik | Board Vice-President | $126 | $126 |
| Gerald Fink | Director | $126 | $126 |
| Scott Anderson | Director | $120 | $120 |
| Katherine Ojala | Supervisory Committee Member | $84 | $84 |
| Amy Soderberg | Supervisory Committee Member | $14 | $14 |
| Line Item | Amount |
|---|---|
| Other Expenses | $323,256 |
| Salaries, Compensation, and Employee Benefits | $297,294 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $138,704 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $70,501 |
| Other Employee Benefits | - | - | - | $63,966 |
| Depreciation Depletion | - | - | - | $52,349 |
| Information Technology | - | - | - | $35,804 |
| Office Expenses | - | - | - | $34,099 |
| Fees for Services Other | - | - | - | $29,091 |
| Occupancy | - | - | - | $22,167 |
| Benefits to Members | - | - | - | $20,748 |
| Insurance | - | - | - | $18,520 |
| Payroll Taxes | - | - | - | $17,140 |
| Advertising | - | - | - | $13,485 |
| Payments to Affiliates | - | - | - | $7,291 |
| Pension Plan Contributions | - | - | - | $6,983 |
| Fees for Services Accounting | - | - | - | $5,818 |
| Other Expenses | - | - | - | $2,483 |
| Total Functional Expenses | $0 | $0 | $0 | $641,298 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Deposit Accounts | $7,892,527 |
| Share Accounts | $6,006,017 |
| Share Draft Accounts | $4,204,966 |
“Any person that conforms to the bylaws of the credit union and has at least $5.00 in a share account is known as a member.”
“Any member of the credit union may elect members of the governing body at the annual meeting.”
“The manager looks over the 990 report prior to signing and filing.”
“The organization makes its governing documents available to the public upon request. The financial statements hang in the lobby for viewing.”
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/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 136303 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 124397 |
| IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | The Ely Area Credit Union is a member-owned financial cooperative which provides comprehensive, quality financial products and services at competitive rates. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 13485 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 0 |
| IRS990/AuditCommitteeInd | 0 | 0 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 20748 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Ely Area Credit Union |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2183653131 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2 E Chapman St |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Ely |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 55731 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 655681 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 393811 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 70501 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 0 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 0 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 20748 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 86515 |
| IRS990/CYOtherExpensesAmt | 0 | 323256 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 676560 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 121777 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 297294 |
| IRS990/CYTotalExpensesAmt | 0 | 641298 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 763075 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 52349 |
| IRS990/Desc | 0 | ANNUAL MEETING OF THE MEMBERS AT WHICH THE CREDIT UNION BOARD AND THE SUPERVISORY COMMITTEE REPORT TO THE MEMBERSHIP THE OPERATION OF THE CREDIT UNION AND THE MEMBERS ELECT THE BOARD OF DIRECTORS AND THE SUPERVISORY COMMITTEE. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 7 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 3105 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 5818 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 29091 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Lolita Schnitzius |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Katherine Ojala |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Barbara Mathews |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Scott Anderson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Gerald Fink |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Amy Soderberg |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Judy Niemela |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Anthony Gornik |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Mark Krekelberg |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 202 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 84 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 168 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 120 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 126 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 14 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 191 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 126 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 69457 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Supervisory comittee chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Supervisory Committee Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Supervisory Committee Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Board Vice-President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Treasurer/Manager |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1938 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 763075 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 35804 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 18520 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 86515 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 86515 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 52349 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 462105 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 417306 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 469655 |
| IRS990/LegalDomicileStateCd | 0 | MN |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | As a member-owned financial cooperative, we will develope and offer competitive product lines that meet member needs while maintaining asset strength and be a full service organization that satisfies the financial needs of the membership. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2094226 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2216003 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 22167 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 34099 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 195403 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 224798 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 63966 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Expenses |
| IRS990/OtherExpensesGrp/Desc | 1 | Share Draft, Money Order, Debit & Credit Card Expenses |
| IRS990/OtherExpensesGrp/Desc | 2 | ATM |
| IRS990/OtherExpensesGrp/Desc | 3 | Miscellaneous |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 23591 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 78474 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 84 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 2483 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 17733871 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 18103510 |
| IRS990/OtherOrganizationDsc | 0 | member-owned cooperative |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 138704 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 8445077 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 8995692 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 7291 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 17140 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 6983 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 13299 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 14169 |
| IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt | 0 | ELY AREA CREDIT UNION |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees & Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Visa Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Miscellaneous Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 513118 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 69595 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 83109 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 3 | 10738 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 0 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 513118 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 69595 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 83109 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 10738 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 3 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | DIVIDENDS PAID TO THE MEMBERS QUARTERLY ON THEIR SAVINGS ACCOUNTS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 5212 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | LIFE SAVINGS LIFE INSURANCE WHICH PROVIDES LIFE INSURANCE PROTECTION TO THE MEMBERS BASED ON THE AMOUNT IN THEIR SAVINGS ACCOUNTS. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 12431 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 23666 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 61223 |
| IRS990/PYOtherExpensesAmt | 0 | 332422 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 666241 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 69972 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 301404 |
| IRS990/PYTotalExpensesAmt | 0 | 657492 |
| IRS990/PYTotalRevenueAmt | 0 | 727464 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 121777 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2094226 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2216003 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 10192835 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 10398134 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 293877 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 19062 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 312939 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 26902 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 33287 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 60189 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 96527 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 96527 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 6006017 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 4204966 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 7892527 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Share Accounts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Share Draft Accounts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | Deposit Accounts |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 417306 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 18103510 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 7666 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 2148 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 39182 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 5122 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 7044 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 15234 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | Home Equity |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | outboard motor |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | Home equity |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 3 | Consolidation |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 4 | Consolidation |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 5 | Used vehicle |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 40000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 7000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 45000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 6000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 7750 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 5 | 16000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | Judy Niemela |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | Anthony Gornik |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | Gerald Fink |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 3 | Barbara Mathews |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 4 | Mark Krekelberg |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 5 | Mark Krekelberg |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | Board President |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | Board Vice-President |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 2 | Director |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 3 | Director |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 4 | Treasurer/Manager |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 5 | Treasurer/Manager |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 4 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 5 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 76396 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | ANY PERSON THAT CONFORMS TO THE BYLAWS OF THE CREDIT UNION AND HAS AT LEAST $5.00 IN A SHARE ACCOUNT IS KNOWN AS A MEMBER. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ANY MEMBER OF THE CREDIT UNION MAY ELECT MEMBERS OF THE GOVERNING BODY AT THE ANNUAL MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE MANAGER LOOKS OVER THE 990 REPORT PRIOR TO SIGNING AND FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. THE FINANCIAL STATEMENTS HANG IN THE LOBBY FOR VIEWING. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 19964400 |
| IRS990/TotalAssetsEOYAmt | 0 | 20443910 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 19964400 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 20443910 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 7 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 641298 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 17870174 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 18227907 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 17870174 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 18227907 |
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Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.