Liabilities / Assets
76th percentile
Higher debt load relative to assets than 76% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
62nd percentile
Higher debt load relative to revenue than 62% of similar nonprofits.
Net Margin
25th percentile
Higher net margin than 25% of similar nonprofits.
Top Officer Pay
46th percentile
Higher top officer pay than 46% of similar nonprofits.
Top officer pay equals 3.5% of source-year revenue.
Asset Growth
9th percentile
Faster asset growth than 9% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Down$111,945,216
Down $2,228,164 (-2.0%) from 2012
Net Assets
Up$9,590,141
Up $69,991 (+0.7%) from 2012
Liabilities
Down$102,355,075
Down $2,298,155 (-2.2%) from 2012
Revenue And Expenses
Revenue
$5,266,808
No earlier filing loaded for comparison.
Expenses
Down$5,007,733
Down $143,863 (-2.8%) from 2012
Net Income
$259,075
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- May 14, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $8,121,084
Mission and Program Overview
Mission
To conduct the ordinary and necessary business of a credit union involving the receiving of savings of members and lending money to members for provident purposes.
Financial services to members/owners
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $73,422,802 | $77,919,635 | ▲ $4,496,833 |
| Investments Program Related | $24,241,328 | $20,226,600 | ▼ $4,014,728 |
| Rtn Earn Endowment Incm Other Fnds | $9,520,150 | $9,590,141 | ▲ $69,991 |
| Land, Buildings, and Equipment, Net | $3,892,485 | $3,836,185 | ▼ $56,300 |
| Investments in Publicly Traded Securities | $3,257,643 | $2,628,992 | ▼ $628,651 |
| Savings and Temporary Cash Investments | $4,792,117 | $2,402,126 | ▼ $2,389,991 |
| Cash and Non-Interest-Bearing Accounts | $1,178,952 | $1,947,059 | ▲ $768,107 |
| Accounts Receivable | $1,044,885 | $896,609 | ▼ $148,276 |
| Prepaid Expenses and Deferred Charges | $114,896 | $102,439 | ▼ $12,457 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $114,173,380 | $111,945,216 | ▼ $2,228,164 |
| Other Assets Total | $2,228,272 | $1,985,571 | ▼ $242,701 |
| Liabilities | |||
| Other Liabilities | $103,118,961 | $100,668,467 | ▼ $2,450,494 |
| Accounts Payable and Accrued Expenses | $1,534,269 | $1,686,608 | ▲ $152,339 |
| Total Liabilities | $104,653,230 | $102,355,075 | ▼ $2,298,155 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $9,520,150 | $9,590,141 | ▲ $69,991 |
| Total Liabilities and Net Assets / Fund Balance | $114,173,380 | $111,945,216 | ▼ $2,228,164 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,662,236 | $1,366,540 | $4,028,776 |
| Equipment | $319,339 | $1,609,923 | $1,929,262 |
| Land | $815,728 | - | $815,728 |
| Leasehold Improvements | $38,882 | $40,386 | $79,268 |
| Investment Program Related Org | $547,600 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Paul Knorr | CEO | FT | $164,090 | $21,098 | $185,188 |
| Michel Case | Vice President | FT | $92,584 | $23,166 | $115,750 |
| Steve Tufte | Board Chairman | - | $701 | - | $701 |
| Gordy Kuehne | Board Vice-chairman | - | $428 | - | $428 |
| Jim Weiss | Board Member | - | $394 | - | $394 |
| Marisa Nagele | Board Member | - | $386 | - | $386 |
| Jane Handel | Board Secretary | - | $356 | - | $356 |
| Bruce Huffer | Board Member | - | $330 | - | $330 |
Board Members and Trustees
| Name | Title |
|---|---|
| Don Frerichs | Board Member |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv Eft Solutions | Eft Processing | - | $261,684 |
| Fiserv INC | Data Processing | - | $216,412 |
| Digital Insight Corporation | Online Banking Processing | - | $123,304 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $5,010,102
- Investment Income
- $252,606
- Other Revenue
- $4,100
- Change in Net Assets
- $259,075
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,552,688 |
| Salaries, Compensation, and Employee Benefits | $2,176,159 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,566,256 |
| Office Expenses | - | - | - | $672,416 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $303,533 |
| Benefits to Members | - | - | - | $278,886 |
| Information Technology | - | - | - | $273,809 |
| Occupancy | - | - | - | $255,453 |
| All Other Expenses | - | - | - | $203,517 |
| Depreciation Depletion | - | - | - | $183,141 |
| Other Expenses | - | - | - | $167,613 |
| Payroll Taxes | - | - | - | $146,493 |
| Pension Plan Contributions | - | - | - | $90,523 |
| Other Employee Benefits | - | - | - | $69,354 |
| Fees for Services Accounting | - | - | - | $44,253 |
| Fees for Services Legal | - | - | - | $42,592 |
| Conferences and Meetings | - | - | - | $37,634 |
| Interest | - | - | - | $2,516 |
| Total Functional Expenses | $0 | $0 | $0 | $5,007,733 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $34,646,799 |
| Money Market Shares | $25,766,760 |
| Share Certificates | $18,370,833 |
| Share Drafts | $16,710,291 |
| Ira/keogh Accounts | $5,173,784 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- No
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- 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
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“The credit union is comprised of a single class of approximately 13,000 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meetings, with the exception of the member-owners who are elected to the board of directors.”
Form 990, Part VI, Section A, Line 7A
“The member-owners of the credit union have the authority to elect the members of the board of directors for three-year terms on a rotating basis. Candidates are elected by a simple plurality vote. The board of directors appoint volunteers to serve on the supervisory committee, which is vested with monitoring safety and soundship of the organization. If deemed appropriate, the supervisory committee can suspend board members and can call a special meeting of the membership to evaluate the issue and vote to either dismiss or reinstate the board member.”
Form 990, Part VI, Section A, Line 7B
“Changes to the governing documents (bylaws) must be approved by the member-owners after they have been approved by the board of directors and the regulatory agency. Approval occurs when at least two-thirds of the member-owners that vote do vote to approve.”
Form 990, Part VI, Section B, Line 11
“The 990 is reviewed by appropriate officers prior to filing. It is also reviewed by the supervisory committee and reviewed with the board after filing.”
Form 990, Part VI, Section B, Line 12C
“Review of vendor invoices and transactions to monitor compliance to the policy. All staff and board are subject to this policy. If there is a conflict, it is presented to senior management and business activity would cease.”
Form 990, Part VI, Section B, Line 15
“A committee comprised of board members annually reviews, researches, and then recommends the amount of ceo compensation. This amount is approved by the board of directors and is also made available to examiners and auditors for their review during exams and audits. The credit union has a compensation policy that sets guidelines to be followed for staff compensation. The cu uses industry salary and benefit comparison reports obtained in reviewing proper compensation levels for officers and key employees. All changes to compensation are reviewed by department heads and submitted for approval by the ceo and hr.”
Form 990, Part VI, Section C, Line 19
“The credit union's bylaws, conflict of interest policy and financial statements are available to the public through posting in the credit union's office or can be reviewed by appointment.”
Filing and Contact Details
Filer
- EIN
- 41-0319960
- Phone
- 5074331829
Signing Officer
- Name
- Paul Knorr
- Title
- CEO
- Phone
- 5074331829
- Signed
- 2014-05-14
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Paul Knorr
- Formed
- 1930
- Legal Domicile
- Mn
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 47
- Volunteers
- 7
Preparer
- Preparer
- Sherri Wessels
- Phone
- 5074347000
Supplemental Narrative
Additional Explanations
Form 990, Part XII, Line 2B
“Audited financial statements - the audit was done as of 3/31. Therefore, the reporting period for the audit does not match the reporting period for the 990.”
Form 990, Part XII, Line 2C
“Audit oversight - the supervisory committee oversees the audit and the selection of an independent accountant.”
Financial Statement Notes
PART X, LINE 2:
“Part x: as allowed by state regulatory authorities, the audit is done as of march 31. The reporting period for the audit, therefore, does not match the reporting period for the 990. Per footnote 1 in the credit union's march 31, 2013 financial statements,the credit union is exempt, under irc section 501 (c) (14), from federal and state income taxes. Certain products and services provided by select state chartered credit unions have been deemed by the internal revenue service (irs), in technical advice memorandums (tams) released in 2007, to be unrelated to the specific entity's exempt purpose. As presented in the technical advice memorandums the net taxable income from these products and services would be subject to income taxes. Credit unions have litigated against the irs positions noted in the tams and have been successful in having courts declare in 2009 and 2010 that revenue from insurance products sold to members, helping them protect their financial wellbeing, qualifies as exempt purpose income, contrary to the irs position in the tams. The credit union has filed tax returns in the past for activities they have deemed taxable and has a minimal net operating loss carryforward. The taxing authorities have the ability to assess taxes, penalties and interest for any years for which no tax return is filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the credit union's exempt purpose is not expected to have a material effect on the credit union's financial position or results of operations. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of march 31, 2013 and 2012. The credit union's 2009 and subsequent years are open for examination by federal and state taxing authorities.”
Raw XML AppendixShowing 400 of 434 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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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1686608 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 1044885 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 896609 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | FINANCIAL SERVICES TO MEMBERS/OWNERS |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 203517 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 0 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 278886 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | MICHEL CASE |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5074343325 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 400 4TH AVE NE PO BOX 657 |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | AUSTIN |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 55912 |
| 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 | 1178952 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1947059 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 303533 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 37634 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 261684 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 216412 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 123304 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1 | 0 | PO BOX 60000 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1 | 1 | 75 REMITTANCE DRIVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1 | 2 | PO BOX 515306 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 0 | SAN FRANCISCO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 1 | CHICAGO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 2 | LOS ANGELES |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 0 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 1 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 2 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 0 | 94160 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 1 | 60675 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 2 | 90051 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 0 | FISERV EFT SOLUTIONS |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 1 | FISERV INC |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 2 | DIGITAL INSIGHT CORPORATION |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | EFT PROCESSING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | DATA PROCESSING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | ONLINE BANKING PROCESSING |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 278886 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 252606 |
| IRS990/CYOtherExpensesAmt | 0 | 2552688 |
| IRS990/CYOtherRevenueAmt | 0 | 4100 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 5010102 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 259075 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2176159 |
| IRS990/CYTotalExpensesAmt | 0 | 5007733 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 5266808 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 183141 |
| IRS990/Desc | 0 | TO PROVIDE LOANS TO MEMBERS AND TO PAY DIVIDENDS ON MEMBER SHARE ACCOUNTS, SHAREDRAFT ACCOUNTS AND CERTIFICATES. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 47 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 44253 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 42592 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| 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/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | 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 | 21098 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 23166 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DON FRERICHS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JANE HANDEL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | STEVE TUFTE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | BRUCE HUFFER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | MARISA NAGELE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | GORDY KUEHNE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | JIM WEISS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | PAUL KNORR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | MICHEL CASE |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 356 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 701 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 330 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 386 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 428 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 394 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 164090 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 92584 |
| 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 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD VICE-CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VICE PRESIDENT |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1930 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 26254 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | -32400 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 2848130 |
| IRS990/GrossReceiptsAmt | 0 | 8121084 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 273809 |
| IRS990/InterestGrp/TotalAmt | 0 | 2516 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 258752 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 258752 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 24241328 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 20226600 |
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| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 2628992 |
| IRS990/IRPDocumentCnt | 0 | 2021 |
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| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 6853034 |
| IRS990/LegalDomicileStateCd | 0 | MN |
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| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | TO CONDUCT THE ORDINARY AND NECESSARY BUSINESS OF A CREDIT UNION INVOLVING THE RECEIVING OF SAVINGS OF MEMBERS AND LENDING MONEY TO MEMBERS FOR PROVIDENT PURPOSES. |
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| IRS990/OtherExpensesGrp/Desc | 2 | EDUCATION AND PROMOTION |
| IRS990/OtherExpensesGrp/Desc | 3 | MISC. OPERATING |
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| IRS990/OtherExpensesGrp/TotalAmt | 1 | 235918 |
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| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
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| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | DEPOSITS IN COMM. BANKS, ETC. |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | OTHER INVESTMENTS |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE DRAFTS |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MONEY MARKET SHARES |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | IRA/KEOGH ACCOUNTS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | PART X: AS ALLOWED BY STATE REGULATORY AUTHORITIES, THE AUDIT IS DONE AS OF MARCH 31. THE REPORTING PERIOD FOR THE AUDIT, THEREFORE, DOES NOT MATCH THE REPORTING PERIOD FOR THE 990. PER FOOTNOTE 1 IN THE CREDIT UNION'S MARCH 31, 2013 FINANCIAL STATEMENTS,THE CREDIT UNION IS EXEMPT, UNDER IRC SECTION 501 (C) (14), FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES THEY HAVE DEEMED TAXABLE AND HAS A MINIMAL NET OPERATING LOSS CARRYFORWARD. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN IS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF MARCH 31, 2013 AND 2012. THE CREDIT UNION'S 2009 AND SUBSEQUENT YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
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| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 20226600 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 100668467 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
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| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 13,000 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF THE MEMBER-OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. THE BOARD OF DIRECTORS APPOINT VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE, WHICH IS VESTED WITH MONITORING SAFETY AND SOUNDSHIP OF THE ORGANIZATION. IF DEEMED APPROPRIATE, THE SUPERVISORY COMMITTEE CAN SUSPEND BOARD MEMBERS AND CAN CALL A SPECIAL MEETING OF THE MEMBERSHIP TO EVALUATE THE ISSUE AND VOTE TO EITHER DISMISS OR REINSTATE THE BOARD MEMBER. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | CHANGES TO THE GOVERNING DOCUMENTS (BYLAWS) MUST BE APPROVED BY THE MEMBER-OWNERS AFTER THEY HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS AND THE REGULATORY AGENCY. APPROVAL OCCURS WHEN AT LEAST TWO-THIRDS OF THE MEMBER-OWNERS THAT VOTE DO VOTE TO APPROVE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE 990 IS REVIEWED BY APPROPRIATE OFFICERS PRIOR TO FILING. IT IS ALSO REVIEWED BY THE SUPERVISORY COMMITTEE AND REVIEWED WITH THE BOARD AFTER FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | REVIEW OF VENDOR INVOICES AND TRANSACTIONS TO MONITOR COMPLIANCE TO THE POLICY. ALL STAFF AND BOARD ARE SUBJECT TO THIS POLICY. IF THERE IS A CONFLICT, IT IS PRESENTED TO SENIOR MANAGEMENT AND BUSINESS ACTIVITY WOULD CEASE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | A COMMITTEE COMPRISED OF BOARD MEMBERS ANNUALLY REVIEWS, RESEARCHES, AND THEN RECOMMENDS THE AMOUNT OF CEO COMPENSATION. THIS AMOUNT IS APPROVED BY THE BOARD OF DIRECTORS AND IS ALSO MADE AVAILABLE TO EXAMINERS AND AUDITORS FOR THEIR REVIEW DURING EXAMS AND AUDITS. THE CREDIT UNION HAS A COMPENSATION POLICY THAT SETS GUIDELINES TO BE FOLLOWED FOR STAFF COMPENSATION. THE CU USES INDUSTRY SALARY AND BENEFIT COMPARISON REPORTS OBTAINED IN REVIEWING PROPER COMPENSATION LEVELS FOR OFFICERS AND KEY EMPLOYEES. ALL CHANGES TO COMPENSATION ARE REVIEWED BY DEPARTMENT HEADS AND SUBMITTED FOR APPROVAL BY THE CEO AND HR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION'S BYLAWS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC THROUGH POSTING IN THE CREDIT UNION'S OFFICE OR CAN BE REVIEWED BY APPOINTMENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | AUDITED FINANCIAL STATEMENTS - THE AUDIT WAS DONE AS OF 3/31. THEREFORE, THE REPORTING PERIOD FOR THE AUDIT DOES NOT MATCH THE REPORTING PERIOD FOR THE 990. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | AUDIT OVERSIGHT - THE SUPERVISORY COMMITTEE OVERSEES THE AUDIT AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. |
| 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 A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XII, LINE 2B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XII, LINE 2C |
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| IRS990/SignificantChangeInd | 0 | 0 |
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| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
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| IRS990/TotalAssetsEOYAmt | 0 | 111945216 |
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| IRS990/TotalAssetsGrp/EOYAmt | 0 | 111945216 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 47 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 5007733 |
| IRS990/TotalGrossUBIAmt | 0 | 9593 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 104653230 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 102355075 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 104653230 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 102355075 |
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| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 9590141 |
| IRS990/TotalOtherCompensationAmt | 0 | 44264 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 5010102 |
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| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 9593 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
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| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 111945216 |
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Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $111,945,216
- Liabilities
- $102,355,075
- Net assets
- $9,590,141
- Revenue
- $5,266,808
- Expenses
- $5,007,733
- Net income
- $259,075