Civic Intelligence

Northern States Power St Paul Credit Union

EIN 41-0448160 • 501(c)14 • St Paul, MN

View Organization Page

Profile

Earn our members' financial trust with personalized service and integrity.

825 Rice StreetSt Paul, MN 55117

www.nspspcu.org

Siviq Scores

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

Liabilities / Assets

14th percentile

0.80x

Higher debt load relative to assets than 14% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

36th percentile

14.39x

Higher debt load relative to revenue than 36% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Net Margin

11th percentile

-11%

Higher net margin than 11% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

86th percentile

$180,942

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Asset Growth

12th percentile

-5.2%

Faster asset growth than 12% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

13th percentile

-4.4%

Faster revenue growth than 13% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets14th percentile

Using 2023 Form 990 data because the latest 2024 filing does not report standard financial totals.

Assets

Down

$42,668,678

Down $2,454,059 (-5.4%) from 2022

Liabilities

Down

$35,347,175

Down $2,520,892 (-6.7%) from 2022

Net Assets

Up

$7,321,503

Up $66,833 (+0.9%) from 2022

Operations
Liabilities / Revenue36th percentileNet Margin11th percentile

Revenue

Up

$2,042,492

Up $35,908 (+1.8%) from 2022

Expenses

Up

$2,159,122

Up $388,786 (+22%) from 2022

Net Income

Down

-$116,630

Down $352,878 (-149%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

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

$60M$40M$20M$0Assets 2010: $53,805,698Liabilities 2010: $47,955,831Net Assets 2010: $5,849,8672010Assets 2011: $51,313,010Liabilities 2011: $45,697,097Net Assets 2011: $5,615,9132011Assets 2012: $49,527,526Liabilities 2012: $43,738,552Net Assets 2012: $5,788,9742012Assets 2013: $48,087,349Liabilities 2013: $42,819,078Net Assets 2013: $5,268,2712013Assets 2014: $47,810,743Liabilities 2014: $42,198,049Net Assets 2014: $5,612,6942014Assets 2015: $47,610,281Liabilities 2015: $41,785,680Net Assets 2015: $5,824,6012015Assets 2016: $47,116,752Liabilities 2016: $40,847,203Net Assets 2016: $6,269,5492016Assets 2017: $46,087,298Liabilities 2017: $39,662,373Net Assets 2017: $6,424,9252017Assets 2018: $43,892,726Liabilities 2018: $37,239,453Net Assets 2018: $6,653,2732018Assets 2019: $43,298,540Liabilities 2019: $36,193,648Net Assets 2019: $7,104,8922019Assets 2020: $44,988,004Liabilities 2020: $37,695,948Net Assets 2020: $7,292,0562020Assets 2021: $47,099,789Liabilities 2021: $39,414,503Net Assets 2021: $7,685,2862021Assets 2022: $45,122,737Liabilities 2022: $37,868,067Net Assets 2022: $7,254,6702022Assets 2023: $42,668,678Liabilities 2023: $35,347,175Net Assets 2023: $7,321,5032023

Latest loaded filing

2023

Assets$42,668,678
Liabilities$35,347,175
Net Assets$7,321,503
Open 2023 Filing

Operations Trend

Revenue Growth13th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,531,7782010Expenses 2011: $2,534,1582011Expenses 2012: $1,899,0372012Revenue 2013: $1,831,442Expenses 2013: $1,637,113Net Income 2013: $194,3292013Revenue 2014: $1,778,594Expenses 2014: $1,662,460Net Income 2014: $116,1342014Revenue 2015: $1,687,452Expenses 2015: $1,553,349Net Income 2015: $134,1032015Revenue 2016: $1,753,467Expenses 2016: $1,611,836Net Income 2016: $141,6312016Revenue 2017: $1,767,215Expenses 2017: $1,625,561Net Income 2017: $141,6542017Revenue 2018: $1,843,323Expenses 2018: $1,584,641Net Income 2018: $258,6822018Revenue 2019: $1,902,582Expenses 2019: $1,627,970Net Income 2019: $274,6122019Revenue 2020: $1,847,060Expenses 2020: $1,675,613Net Income 2020: $171,4472020Revenue 2021: $2,082,006Expenses 2021: $1,551,166Net Income 2021: $530,8402021Revenue 2022: $2,006,584Expenses 2022: $1,770,336Net Income 2022: $236,2482022Revenue 2023: $2,042,492Expenses 2023: $2,159,122Net Income 2023: -$116,6302023

Latest loaded filing

2023

Revenue$2,042,492
Expenses$2,159,122
Net Income-$116,630
Open 2023 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
-
Liabilities
-
Net assets
-
Revenue
-
Expenses
-
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$42.7$35.3$7.32$2.04$2.16$0.12
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.1$37.9$7.25$2.01$1.77$0.24
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.1$39.4$7.69$2.08$1.55$0.53
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.0$37.7$7.29$1.85$1.68$0.17
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.3$36.2$7.10$1.90$1.63$0.27
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.9$37.2$6.65$1.84$1.58$0.26
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$46.1$39.7$6.42$1.77$1.63$0.14
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.1$40.8$6.27$1.75$1.61$0.14
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.6$41.8$5.82$1.69$1.55$0.13
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.8$42.2$5.61$1.78$1.66$0.12
2013Detailed filing. Detailed filing data is available for this year.$48.1$42.8$5.27$1.83$1.64$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.5$43.7$5.79$1.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.3$45.7$5.62$2.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.8$48.0$5.85$2.53
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2021 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 14, 2022
Return Version
2021v4.0
Gross Receipts
$3,082,006
Mission and Program Overview

Mission

Delivering personalized service to empower our members' financial decisions.

To earn our members' trust with personalized service and integrity.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,114,164$22,384,531▲ $270,367
Investments Program Related$14,846,936$16,059,705▲ $1,212,769
Rtn Earn Endowment Incm Other Fnds$7,292,056$7,685,286▲ $393,230
Savings and Temporary Cash Investments$4,754,968$5,089,420▲ $334,452
Receivables From Officers Etc$1,611,400$1,657,325▲ $45,925
Prepaid Expenses and Deferred Charges$277,840$420,104▲ $142,264
Accounts Receivable$225,974$277,421▲ $51,447
Cash and Non-Interest-Bearing Accounts$79,013$160,483▲ $81,470
Land, Buildings, and Equipment, Net$44,968$21,871▼ $23,097
Total Assets$44,988,004$47,099,789▲ $2,111,785
Other Assets Total$1,032,741$1,028,929▼ $3,812
Liabilities
Other Liabilities$37,455,592$39,139,510▲ $1,683,918
Accounts Payable and Accrued Expenses$240,356$274,993▲ $34,637
Total Liabilities$37,695,948$39,414,503▲ $1,718,555
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,292,056$7,685,286▲ $393,230
Total Liabilities and Net Assets / Fund Balance$44,988,004$47,099,789▲ $2,111,785

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$21,871$153,534$175,405
Leasehold Improvements-$115,200$115,200
Investment Program Related Org$19,113--
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Charlie YenniPresident/trFT$111,428$35,593$147,021
Todd RiebeDirector-$1,019-$1,019
Alex AutioVice Chair-$568-$568
Scott HultsChair (parti-$369-$369
Brandon CramerChair (parti-$351-$351
Thomas BreuckmanDirector-$334-$334
Jenny Borgerson RiesSecretary-$331-$331
Darren KarnesDirector-$208-$208
Kevin StreeterDirector-$38-$38

Highest Paid Contractors

ContractorServicesLocationCompensation
FisCard Processing8500 GOVERNORS HILL DR, Symmes Township, OH 45249$143,680
Bradford Scott Data CorpCore Processor9465 COUNSELORS ROW, Indianapolis, IN 46240$113,683
Fiserv INCCard Processing255 FISERV DRIVE, Brookfield, WI 53045$106,978
Revenue and Support

Revenue Composition

Contributions and Grants
$295
Program Service Revenue
$1,860,595
Investment Income
$215,732
Other Revenue
$5,384
All Other Contributions
$295
Change in Net Assets
$530,840
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$946,944
Salaries, Compensation, and Employee Benefits$602,572
Grants and Similar Amounts Paid$1,650
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$334,741
Office Expenses---$302,688
Current Officers, Directors, Trustees, and Key Employees---$114,646
Information Technology---$113,683
Fees for Services Other---$77,896
Other Employee Benefits---$72,725
Advertising---$58,208
Pension Plan Contributions---$46,704
Payroll Taxes---$33,756
Depreciation Depletion---$23,098
Insurance---$14,439
Occupancy---$12,000
Fees for Services Accounting---$5,735
Conferences and Meetings---$4,107
Fees for Services Legal---$2,460
Grants to Domestic Orgs---$1,650
Interest---$12
Other Expenses---$-102,065
Total Functional Expenses$0$0$0$1,551,166
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,611,400$1,657,325▲ $45,925
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$39,052,850
457 F Plan Payable$86,660
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member, one must have a share (savings) account at the credit union.”

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

“The board of directors is elected by the credit union members. Each member has one vote.”

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

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

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

“The president provides data to independent cpa who prepares the return. The president reviews the return for accuracy, and then authorizes cpa to e-file the approved return.”

Form 990, Page 6, Part VI, Line 12C

“Conflict of interest policy is reviewed annually and any potential conflicts are discussed by the board of directors.”

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

“The board of directors determines and approves the compensation for the president/ceo. Approval is noted in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents, conflict of interest policy, and financial statements are available upon rquest.”

Filing and Contact Details

Filer

Filer Name
Northern States Power St Paul
EIN
41-0448160
Phone
6512287668
Address
825 RICE STREET, ST PAUL, MN 55117

Signing Officer

Name
Charlie Yenni
Title
President/treasurer
Phone
6512287672
Signed
2022-03-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Charlie Yenni
Formed
1933
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
6
Employees
8

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Raw XML AppendixShowing 400 of 424 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0240356
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0274993
IRS990/AccountsReceivableGrp/BOYAmt0225974
IRS990/AccountsReceivableGrp/EOYAmt0277421
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO EARN OUR MEMBERS' TRUST WITH PERSONALIZED SERVICE AND INTEGRITY.
IRS990/AdvertisingGrp/TotalAmt058208
IRS990/AllOtherContributionsAmt0295
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0CHARLIE YENNI
IRS990/BooksInCareOfDetail/PhoneNum06512287668
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0825 RICE STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0ST PAUL
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd055117
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt079013
IRS990/CashNonInterestBearingGrp/EOYAmt0160483
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0114646
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt04107
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0143680
IRS990/ContractorCompensationGrp/CompensationAmt1113683
IRS990/ContractorCompensationGrp/CompensationAmt2106978
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt08500 GOVERNORS HILL DR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt19465 COUNSELORS ROW
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2255 FISERV DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0SYMMES TOWNSHIP
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1INDIANAPOLIS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2BROOKFIELD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0OH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd045249
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd146240
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd253045
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FIS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1BRADFORD SCOTT DATA CORP
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2FISERV INC
IRS990/ContractorCompensationGrp/ServicesDesc0CARD PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1CORE PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc2CARD PROCESSING
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0295
IRS990/CYGrantsAndSimilarPaidAmt01650
IRS990/CYInvestmentIncomeAmt0215732
IRS990/CYOtherExpensesAmt0946944
IRS990/CYOtherRevenueAmt05384
IRS990/CYProgramServiceRevenueAmt01860595
IRS990/CYRevenuesLessExpensesAmt0530840
IRS990/CYSalariesCompEmpBnftPaidAmt0602572
IRS990/CYTotalExpensesAmt01551166
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02082006
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt023098
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 76 NEW DEPOSIT ACCOUNTS IN 2021. AS OF 12/31/21 WE HAD 2,972 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt05735
IRS990/FeesForServicesLegalGrp/TotalAmt02460
IRS990/FeesForServicesOtherGrp/TotalAmt077896
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt050.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.50
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt035593
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0CHARLIE YENNI
IRS990/Form990PartVIISectionAGrp/PersonNm1TODD RIEBE
IRS990/Form990PartVIISectionAGrp/PersonNm2ALEX AUTIO
IRS990/Form990PartVIISectionAGrp/PersonNm3SCOTT HULTS
IRS990/Form990PartVIISectionAGrp/PersonNm4BRANDON CRAMER
IRS990/Form990PartVIISectionAGrp/PersonNm5THOMAS BREUCKMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6JENNY BORGERSON RIES
IRS990/Form990PartVIISectionAGrp/PersonNm7DARREN KARNES
IRS990/Form990PartVIISectionAGrp/PersonNm8KEVIN STREETER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0111428
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11019
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2568
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3369
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4351
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5334
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6331
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7208
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt838
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIR (PARTI
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIR (PARTI
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01933
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt01473
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt01650
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01001473
IRS990/GrossReceiptsAmt03082006
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0113683
IRS990/InsuranceGrp/TotalAmt014439
IRS990/InterestGrp/TotalAmt012
IRS990/InvestmentIncomeGrp/ExclusionAmt0214259
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0214259
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt014846936
IRS990/InvestmentsProgramRelatedGrp/EOYAmt016059705
IRS990/IRPDocumentCnt0772
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0268734
IRS990/LandBldgEquipBasisNetGrp/BOYAmt044968
IRS990/LandBldgEquipBasisNetGrp/EOYAmt021871
IRS990/LandBldgEquipCostOrOtherBssAmt0290605
IRS990/LegalDomicileStateCd0MN
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01000000
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO EARN OUR MEMBERS' TRUST WITH PERSONALIZED SERVICE AND INTEGRITY.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt07292056
IRS990/NetAssetsOrFundBalancesEOYAmt07685286
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt01473
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01473
IRS990/NetUnrlzdGainsLossesInvstAmt0-137610
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt012000
IRS990/OfficeExpensesGrp/TotalAmt0302688
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01032741
IRS990/OtherAssetsTotalGrp/EOYAmt01028929
IRS990/OtherEmployeeBenefitsGrp/TotalAmt072725
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1DIVIDENDS EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISN LOAN LOSS ADJSTMT
IRS990/OtherExpensesGrp/TotalAmt0303693
IRS990/OtherExpensesGrp/TotalAmt1130990
IRS990/OtherExpensesGrp/TotalAmt2-102065
IRS990/OtherLiabilitiesGrp/BOYAmt037455592
IRS990/OtherLiabilitiesGrp/EOYAmt039139510
IRS990/OtherSalariesAndWagesGrp/TotalAmt0334741
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt022114164
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt022384531
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt033756
IRS990/PensionPlanContributionsGrp/TotalAmt046704
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0277840
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0420104
IRS990/PrincipalOfficerNm0CHARLIE YENNI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER MEMBER RELATED REVENUE
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3MECH REPAIR INSUR
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01153667
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1495812
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2210766
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01153667
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1495812
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2210766
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3350
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0350
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 61,573 NEW LOANS DURING 2021 AS OF 12/31/21 WE HAD 74,079 OUTSTANDING LOANS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt02500
IRS990/PYGrantsAndSimilarPaidAmt01040
IRS990/PYInvestmentIncomeAmt0333842
IRS990/PYOtherExpensesAmt01086840
IRS990/PYOtherRevenueAmt04243
IRS990/PYProgramServiceRevenueAmt01506475
IRS990/PYRevenuesLessExpensesAmt0171447
IRS990/PYSalariesCompEmpBnftPaidAmt0587733
IRS990/PYTotalExpensesAmt01675613
IRS990/PYTotalRevenueAmt01847060
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01611400
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01657325
IRS990/ReconcilationRevenueExpnssAmt0530840
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesRevenueGrp/ExclusionAmt05384
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt05384
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07292056
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07685286
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04754968
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05089420
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt021871
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0153534
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0175405
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt06421377
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt14712000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt23720000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31142215
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt425000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt520000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt619113
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0AFS SECURITIES MATURITY > 1 YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1HTM SECURITIES MATURITY > 1YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2OTHER INVSTMNTS MATURITY > 1 YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3CUOLI
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4SERVION GROUP CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5CO-OP FINANCIAL SVCS CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6MEMBERSHIP PIC ALLOYA CORP FCU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6C
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0115200
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0115200
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt039052850
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt186660
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1457 F PLAN PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt021871
IRS990ScheduleD/TotalBookValueProgramRltdAmt016059705
IRS990ScheduleD/TotalLiabilityAmt039139510
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01657325
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0COLLATERAL ASSIGNMENT SPLIT DOLLAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01600000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0CHARIE YENNI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT/CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT THE IRS REFERS TO AS COLLATERAL ASSIGNMENT SPLIT DOLLAR (CASD). ALTHOUGH THE IRS REQUIRES REPORTING IN PART II ABOVE FOR LOANS TO INTERESTED PERSONS, CASD IS NOT AN ACTUAL LOAN. THERE IS NEITHER A TRANSFER OF FUNDS TO THE PARTICIPANT NOR AN OBLIGATION FOR THE PARTICIPANT TO PAY THOSE FUNDS BACK. INSTEAD, THE CREDIT UNION RECOVERS ITS OUTLAYS PLUS INTEREST FROM THE UNDERLYING POLICY.
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART V
IRS990ScheduleL/TotalBalanceDueAmt01657325
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT PROVIDES DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. THE PRESIDENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY AND ANY POTENTIAL CONFLICTS ARE DISCUSSED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE COMPENSATION FOR THE PRESIDENT/CEO. APPROVAL IS NOTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON RQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt044988004
IRS990/TotalAssetsEOYAmt047099789
IRS990/TotalAssetsGrp/BOYAmt044988004
IRS990/TotalAssetsGrp/EOYAmt047099789
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0295
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01551166
IRS990/TotalGrossUBIAmt0350
IRS990/TotalLiabilitiesBOYAmt037695948
IRS990/TotalLiabilitiesEOYAmt039414503
IRS990/TotalLiabilitiesGrp/BOYAmt037695948
IRS990/TotalLiabilitiesGrp/EOYAmt039414503
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07292056
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07685286
IRS990/TotalOtherCompensationAmt035593
IRS990/TotalProgramServiceRevenueAmt01860595
IRS990/TotalReportableCompFromOrgAmt0114646
IRS990/TotalRevenueGrp/ExclusionAmt0219643
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01861718
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02082006
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0350
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt044988004
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt047099789
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0825 RICE STREET
IRS990/USAddress/CityNm0ST PAUL
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055117
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.MYNSPCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLIE YENNI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06512287672
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-03-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTHERN STATES POWER ST PAUL
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)14 • $25M-$50M nonprofits