Civic Intelligence

Starcor Credit Union

EIN 41-0499013 • 501(c)14 • Becker, MN

View Organization Page

Profile

Not-for-Profit Financial Institution

14267 Bank StBecker, MN 55308-4630

www.starcorcu.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2019

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2019

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2019

Top Officer Pay

78th percentile

$54,144

Higher top officer pay than 78% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2019

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

8th percentile

-100%

Faster revenue growth than 8% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $10,284,450 (-100%) from 2018

Liabilities

Down

$0

Down $9,009,184 (-100%) from 2018

Net Assets

Down

$0

Down $1,275,266 (-100%) from 2018

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

Down

$0

Down $756,137 (-100%) from 2018

Expenses

Down

$0

Down $625,469 (-100%) from 2018

Net Income

Down

$0

Down $130,668 (-100%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$15M$10M$5.0M$0Assets 2010: $7,500,660Liabilities 2010: $6,800,841Net Assets 2010: $699,8192010Assets 2011: $7,186,234Liabilities 2011: $6,405,580Net Assets 2011: $780,6542011Assets 2012: $6,774,056Liabilities 2012: $5,891,982Net Assets 2012: $882,0742012Assets 2013: $7,258,408Liabilities 2013: $6,232,684Net Assets 2013: $1,025,7242013Assets 2014: $8,239,938Liabilities 2014: $7,138,184Net Assets 2014: $1,101,7542014Assets 2015: $8,327,119Liabilities 2015: $7,195,561Net Assets 2015: $1,131,5582015Assets 2016: $9,466,782Liabilities 2016: $8,331,706Net Assets 2016: $1,135,0762016Assets 2017: $10,294,857Liabilities 2017: $9,150,259Net Assets 2017: $1,144,5982017Assets 2018: $10,284,450Liabilities 2018: $9,009,184Net Assets 2018: $1,275,2662018Assets 2019: $0Liabilities 2019: $0Net Assets 2019: $02019

Highlighted filing

2019

Assets$0
Liabilities$0
Net Assets$0
Open 2019 Filing

Operations Trend

Revenue Growth8th percentile

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

$800K$600K$400K$200K$0Expenses 2010: $626,8562010Expenses 2011: $533,9922011Revenue 2012: $593,642Expenses 2012: $492,222Net Income 2012: $101,4202012Revenue 2013: $579,893Expenses 2013: $436,243Net Income 2013: $143,6502013Revenue 2014: $650,908Expenses 2014: $574,878Net Income 2014: $76,0302014Revenue 2015: $674,840Expenses 2015: $645,036Net Income 2015: $29,8042015Revenue 2016: $702,684Expenses 2016: $699,166Net Income 2016: $3,5182016Revenue 2017: $782,269Expenses 2017: $772,747Net Income 2017: $9,5222017Revenue 2018: $756,137Expenses 2018: $625,469Net Income 2018: $130,6682018Revenue 2019: $0Expenses 2019: $0Net Income 2019: $02019

Highlighted filing

2019

Revenue$0
Expenses$0
Net Income$0
Open 2019 Filing

Filings

Most recent year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$0
Expenses
$0
Net income
$0
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.00$0.00$0.00
2018Detailed filing. Detailed filing data is available for this year.$10.3$9.01$1.28$0.76$0.63$0.13
2017Detailed filing. Detailed filing data is available for this year.$10.3$9.15$1.14$0.78$0.77$0.01
2016Detailed filing. Detailed filing data is available for this year.$9.47$8.33$1.14$0.70$0.70$0.00
2015Detailed filing. Detailed filing data is available for this year.$8.33$7.20$1.13$0.67$0.65$0.03
2014Detailed filing. Detailed filing data is available for this year.$8.24$7.14$1.10$0.65$0.57$0.08
2013Detailed filing. Detailed filing data is available for this year.$7.26$6.23$1.03$0.58$0.44$0.14
2012Summary only. Only limited summary data is available for this year.$6.77$5.89$0.88$0.59$0.49$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.19$6.41$0.78$0.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.50$6.80$0.70$0.63
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 27, 2020
Return Version
2019v5.0
Gross Receipts
$0
Mission and Program Overview

Mission

Not-for-Profit Financial Institution

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$8,042,115--
Savings and Temporary Cash Investments$1,506,402--
Rtn Earn Endowment Incm Other Fnds$1,275,266$0▼ $1,275,266
Cash and Non-Interest-Bearing Accounts$393,785--
Land, Buildings, and Equipment, Net$140,165--
Receivables From Officers Etc$67,702--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$10,284,450$0▼ $10,284,450
Other Assets Total$134,281--
Liabilities
Other Liabilities$9,018,505--
Accounts Payable and Accrued Expenses$-9,321--
Total Liabilities$9,009,184$0▼ $9,009,184
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,275,266$0▼ $1,275,266
Total Liabilities and Net Assets / Fund Balance$10,284,450$0▼ $10,284,450
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseTotal
John HardekopfExec Director/CEOFT$54,144$54,144

Board Members and Trustees

NameTitle
Greg KonerzaBoard Member
Larry BalvitschBoard Member
Sherrie OlsonBoard Member
Stacie IroniBoard Member
Derek WipperBoard of Director
Julie JarviBoard of Director
Troy RobinsonBoard of Director
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$0
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$0
Other Expenses$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0
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$67,702--
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The CEO completes form 990 and compares it against the year end financial statement”

Form 990, Part VI, Section C, Line 19

“The monthly financial statements are displayed in the lobby of each branch of the credit union”

Filing and Contact Details

Filer

Filer Name
Starcor Credit Union
EIN
41-0499013
Phone
7632629888
Address
14267 BANK ST, BECKER, MN 55308-4630

Signing Officer

Name
John Hardekopf
Title
CEO
Phone
7632629888
Signed
2020-05-27

Organization Details

Formed
1935
Legal Domicile
Mn
Voting Board Members
0
Independent Board Members
0
Employees
6
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 3

“Starcor Credit Union merged into St Cloud Financial Credit Union in 2019.”

Form 990, Part XI, Line 9

“Starcor Credit Union was merged into St Cloud Financial Credit Union. All assets were transferred to them.”

Raw XML Appendix370 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/Form990PartVIISectionAGrp/PersonNm5LARRY BALVITSCH
IRS990/Form990PartVIISectionAGrp/PersonNm6Julie Jarvi
IRS990/Form990PartVIISectionAGrp/PersonNm7JOHN HARDEKOPF
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0All cash, accounts receivable, fixed assets, liabilities, and capital were transferred to St Cloud Financial Credit Union as part of the merger process.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0St Cloud Financial Credit Union
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02019-07-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0410517445
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt010284450
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501 (c) 14
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0CPA Audit
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt03030 1st St S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0St Cloud
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd056301
IRS990ScheduleN/OwnerOfSuccessor2Ind00
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensation2Ind00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0John Hardekopf, former CEO of Starcor Credit Union will become the Vice President of Lending at St Cloud Financial Credit Union
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1John Hardekopf, former CEO of Starcor Credit Union is now employed by the succeeding organization, St Cloud Financial Credit Union as their Vice President of Lending.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule N, Part I, Line 2
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule N, Part II, Line 2
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Starcor Credit Union merged into St Cloud Financial Credit Union in 2019.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The CEO completes form 990 and compares it against the year end financial statement
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The monthly financial statements are displayed in the lobby of each branch of the credit union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Starcor Credit Union was merged into St Cloud Financial Credit Union. All assets were transferred to them.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd01
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt010284450
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt010284450
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt00
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09009184
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt09009184
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01275266
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt054144
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt00
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010284450
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt014267 Bank St
IRS990/USAddress/CityNm0Becker
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055308
IRS990/VotingMembersGoverningBodyCnt00
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.starcorcu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN HARDEKOPF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07632629888
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-05-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STARCOR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STAR
ReturnHeader/Filer/EIN0410499013
ReturnHeader/Filer/PhoneNum07632629888
ReturnHeader/Filer/USAddress/AddressLine1Txt014267 BANK ST
ReturnHeader/Filer/USAddress/CityNm0BECKER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd0553084630
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0198.144.8.126
ReturnHeader/ReturnTs02020-05-29T14:43:20-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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