Liabilities / Assets
78th percentile
Higher debt load relative to assets than 78% 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
48th percentile
Higher net margin than 48% of similar nonprofits.
Top Officer Pay
63rd percentile
Higher top officer pay than 63% of similar nonprofits.
Top officer pay equals 3.7% of source-year revenue.
Asset Growth
69th percentile
Faster asset growth than 69% of similar nonprofits.
Revenue Growth
40th percentile
Faster revenue growth than 40% of similar nonprofits.
Balance Sheet
Assets
Up$134,685,273
Up $6,956,219 (+5.4%) from 2016
Net Assets
Up$11,926,708
Up $730,693 (+6.5%) from 2016
Liabilities
Up$122,758,565
Up $6,225,526 (+5.3%) from 2016
Revenue And Expenses
Revenue
Up$6,359,289
Up $328,968 (+5.5%) from 2016
Expenses
Up$5,677,760
Up $202,169 (+3.7%) from 2016
Net Income
Up$681,529
Up $126,799 (+23%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- Apr 20, 2018
- Return Version
- 2017v2.2
- Gross Receipts
- $6,369,419
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 | $96,966,842 | $100,804,790 | ▲ $3,837,948 |
| Rtn Earn Endowment Incm Other Fnds | $11,196,015 | $11,926,708 | ▲ $730,693 |
| Investments Program Related | $9,560,600 | $11,208,300 | ▲ $1,647,700 |
| Investments in Publicly Traded Securities | $3,507,422 | $7,163,935 | ▲ $3,656,513 |
| Accounts Receivable | $3,853,601 | $3,803,696 | ▼ $49,905 |
| Land, Buildings, and Equipment, Net | $3,481,420 | $3,498,964 | ▲ $17,544 |
| Receivables From Officers Etc | $2,082,143 | $1,714,286 | ▼ $367,857 |
| Savings and Temporary Cash Investments | $3,399,694 | $1,580,555 | ▼ $1,819,139 |
| Cash and Non-Interest-Bearing Accounts | $1,439,835 | $1,525,550 | ▲ $85,715 |
| Prepaid Expenses and Deferred Charges | $204,064 | $192,356 | ▼ $11,708 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $127,729,054 | $134,685,273 | ▲ $6,956,219 |
| Other Assets Total | $3,233,433 | $3,192,841 | ▼ $40,592 |
| Liabilities | |||
| Other Liabilities | $114,400,196 | $120,625,373 | ▲ $6,225,177 |
| Accounts Payable and Accrued Expenses | $2,132,843 | $2,133,192 | ▲ $349 |
| Total Liabilities | $116,533,039 | $122,758,565 | ▲ $6,225,526 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $11,196,015 | $11,926,708 | ▲ $730,693 |
| Total Liabilities and Net Assets / Fund Balance | $127,729,054 | $134,685,273 | ▲ $6,956,219 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,311,245 | $1,717,531 | $4,028,776 |
| Equipment | $343,958 | $1,910,086 | $2,254,044 |
| Land | $815,728 | - | $815,728 |
| Leasehold Improvements | $28,033 | $56,261 | $84,294 |
| Investment Program Related Org | $153,300 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Paul Knorr | CEO | FT | $180,148 | $52,059 | $232,207 |
| Gordy Kuehne | Board Chairman | - | $716 | - | $716 |
| Marisa Nagele | Board Vice-chair | - | $585 | - | $585 |
| Jane Handel | Board Member | - | $488 | - | $488 |
| Don Frerichs | Board Member | - | $405 | - | $405 |
| Matt Cizik | Board Member | - | $379 | - | $379 |
| Bruce Huffer | Board Member | - | $356 | - | $356 |
| Lucia Luna | Board Secretary | - | $266 | - | $266 |
Board Members and Trustees
| Name | Title |
|---|---|
| Darrell Ingvaldson | Board Member |
| Rayce Hardy | Board Member |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv Eft Solutions | Data Processing | PO BOX 60000, San Francisco, CA 94160 | $408,389 |
| Fiserv INC | Eft Processing | 75 REMITTANCE DRIVE, Chicago, IL 60675 | $248,381 |
| Digital Insight Corporation | Online Banking Processing | PO BOX 515306, Los Angeles, CA 90051 | $111,066 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $6,040,768
- Investment Income
- $318,521
- Other Revenue
- $0
- Change in Net Assets
- $681,529
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,243,360 |
| Salaries, Compensation, and Employee Benefits | $2,211,568 |
| 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 | - | - | - | $1,207,488 |
| Office Expenses | - | - | - | $982,711 |
| Other Employee Benefits | - | - | - | $453,924 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $235,399 |
| Occupancy | - | - | - | $226,425 |
| Benefits to Members | - | - | - | $222,832 |
| Depreciation Depletion | - | - | - | $190,122 |
| Other Expenses | - | - | - | $189,593 |
| All Other Expenses | - | - | - | $185,767 |
| Pension Plan Contributions | - | - | - | $183,969 |
| Payroll Taxes | - | - | - | $130,788 |
| Conferences and Meetings | - | - | - | $48,543 |
| Fees for Services Accounting | - | - | - | $40,719 |
| Interest | - | - | - | $22,916 |
| Fees for Services Legal | - | - | - | $13,265 |
| Total Functional Expenses | $0 | $0 | $0 | $5,677,760 |
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
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $2,082,143 | $1,714,286 | ▼ $367,857 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $47,749,287 |
| Money Market Shares | $26,531,756 |
| Share Drafts | $23,948,727 |
| Share Certificates | $17,998,903 |
| Ira/keogh Accounts | $4,396,700 |
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 15,850 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 11B
“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
- Filer Name
- Accentra Credit Union
- EIN
- 41-0319960
- Phone
- 5074331829
- Address
- 400 4TH AVENUE NE PO BOX 657, AUSTIN, MN 55912
Signing Officer
- Name
- Paul Knorr
- Title
- CEO
- Phone
- 5074331829
- Signed
- 2018-04-20
- 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
- 55
- Volunteers
- 12
Preparer
- Firm
- Cliftonlarsonallen Llp
- Address
- PO BOX 217, AUSTIN, MN 55912
- Preparer
- Tanya Medgaarden
- 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, 2017 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 it has 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, 2017 and 2016. The credit union's 2011 and subsequent tax years are open for examination by federal and state taxing authorities.”
Raw XML AppendixShowing 400 of 455 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 2132843 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 2133192 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 3853601 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 3803696 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | FINANCIAL SERVICES TO MEMBERS/OWNERS |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 185767 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 0 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 222832 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | LYNDSEY JOHNSON |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5074343317 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 400 4TH AVE NE PO BOX 657 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | AUSTIN |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 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 | 1439835 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1525550 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 235399 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 48543 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 408389 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 248381 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 111066 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | PO BOX 60000 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 75 REMITTANCE DRIVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | PO BOX 515306 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | SAN FRANCISCO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | CHICAGO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | LOS ANGELES |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 94160 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 60675 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 90051 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | FISERV EFT SOLUTIONS |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | FISERV INC |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | DIGITAL INSIGHT CORPORATION |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | DATA PROCESSING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | EFT PROCESSING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | ONLINE BANKING PROCESSING |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 222832 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 318521 |
| IRS990/CYOtherExpensesAmt | 0 | 3243360 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 6040768 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 681529 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2211568 |
| IRS990/CYTotalExpensesAmt | 0 | 5677760 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 6359289 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 190122 |
| 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 | 55 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 40719 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 13265 |
| 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 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 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/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | 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/OtherCompensationAmt | 9 | 52059 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DON FRERICHS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JANE HANDEL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | BRUCE HUFFER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | MARISA NAGELE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | GORDY KUEHNE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | LUCIA LUNA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | MATT CIZIK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | RAYCE HARDY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DARRELL INGVALDSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | PAUL KNORR |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 405 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 488 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 356 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 585 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 716 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 266 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 379 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 180148 |
| 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/ReportableCompFromRltdOrgAmt | 9 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD VICE-CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
| 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 | 3969 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 14099 |
| IRS990/GrossReceiptsAmt | 0 | 6369419 |
| 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/InterestGrp/TotalAmt | 0 | 22916 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 314552 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 314552 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 9560600 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 11208300 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 3507422 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 7163935 |
| IRS990/IRPDocumentCnt | 0 | 1431 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3683878 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 3481420 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3498964 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 7182842 |
| IRS990/LegalDomicileStateCd | 0 | MN |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 10130 |
| 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 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 11196015 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 11926708 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 3969 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 3969 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -1241 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 49164 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 226425 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 982711 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 3233433 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 3192841 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 453924 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROFESSIONAL & OUTSIDE |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN & LE |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 3 | EDUCATION AND PROMOTION |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 636193 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 397473 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 309633 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 189593 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 114400196 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 120625373 |
| IRS990/OtherOrganizationDsc | 0 | CU |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1207488 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 96966842 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 100804790 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 130788 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 183969 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 204064 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 192356 |
| IRS990/PrincipalOfficerNm | 0 | PAUL KNORR |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES/CHARGES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4034027 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1985194 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4034027 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2006741 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 21547 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 175210 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 254445 |
| IRS990/PYOtherExpensesAmt | 0 | 3221458 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 5775876 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 554730 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2078923 |
| IRS990/PYTotalExpensesAmt | 0 | 5475591 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 6030321 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 2082143 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 1714286 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 681529 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 11196015 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 11926708 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3399694 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1580555 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2311245 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1717531 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4028776 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 343958 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1910086 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2254044 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 10405000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 650000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 153300 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | DEPOSITS IN COMM. BANKS, ETC. |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | OTHER INVESTMENTS IN CORP CREDIT UNIONS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | OTHER INVESTMENTS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 815728 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 815728 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 28033 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 56261 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 84294 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 23948727 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 47749287 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 26531756 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 17998903 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 4396700 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MONEY MARKET SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | SHARE CERTIFICATES |
| 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, 2017 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 IT HAS 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, 2017 AND 2016. THE CREDIT UNION'S 2011 AND SUBSEQUENT TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3498964 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 11208300 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 120625373 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 180148 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 9007 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 43052 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | PAUL KNORR |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 232207 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 1714286 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | SPLIT-DOLLAR LIFE INSURANCE UNDER REG 1.7872-15 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 2425000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | PAUL KNORR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | CEO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 1714286 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 15,850 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 11B |
| 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 |
| 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 | 127729054 |
| IRS990/TotalAssetsEOYAmt | 0 | 134685273 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 127729054 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 134685273 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 55 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 5677760 |
| IRS990/TotalGrossUBIAmt | 0 | 21547 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 116533039 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 122758565 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 116533039 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 122758565 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 11196015 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 11926708 |
| IRS990/TotalOtherCompensationAmt | 0 | 52059 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $134,685,273
- Liabilities
- $122,758,565
- Net assets
- $11,926,708
- Revenue
- $6,359,289
- Expenses
- $5,677,760
- Net income
- $681,529