Civic Intelligence

St Cloud Financial Credit Union

EIN 41-0517445 • 501(c)14 • St Cloud, MN

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Profile

To make a meaningful difference for all, we advocate for people through a member-focused culture, an enthusiastic employee environment, and purposeful action within our community.

1716 Pine Cone Road SouthSt Cloud, MN 55301

stcloudfcu.coop

Siviq Scores

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

Liabilities / Assets

91st percentile

0.93x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

71st percentile

16.31x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

28th percentile

5.1%

Higher net margin than 28% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

26th percentile

$343,718

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

85th percentile

8.0%

Faster asset growth than 85% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

56th percentile

15%

Faster revenue growth than 56% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets91st percentile

Assets

$374,579,174

No earlier filing loaded for comparison.

Liabilities

$349,530,260

No earlier filing loaded for comparison.

Net Assets

$25,048,914

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue71st percentileNet Margin28th percentile

Revenue

$21,427,747

No earlier filing loaded for comparison.

Expenses

$20,345,269

No earlier filing loaded for comparison.

Net Income

$1,082,478

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

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

$400M$300M$200M$100M$0Assets 2020: $248,270,161Liabilities 2020: $228,613,495Net Assets 2020: $19,656,6662020Assets 2022: $326,767,101Liabilities 2022: $305,843,469Net Assets 2022: $20,923,6322022Assets 2024: $374,579,174Liabilities 2024: $349,530,260Net Assets 2024: $25,048,9142024

Highlighted filing

2024

Assets$374,579,174
Liabilities$349,530,260
Net Assets$25,048,914
Open 2024 Filing

Operations Trend

Revenue Growth56th percentile

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

$30M$20M$10M$0Revenue 2020: $12,436,897Expenses 2020: $11,164,815Net Income 2020: $1,272,0822020Revenue 2022: $14,690,907Expenses 2022: $12,590,974Net Income 2022: $2,099,9332022Revenue 2024: $21,427,747Expenses 2024: $20,345,269Net Income 2024: $1,082,4782024

Highlighted filing

2024

Revenue$21,427,747
Expenses$20,345,269
Net Income$1,082,478
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$374,579,174
Liabilities
$349,530,260
Net assets
$25,048,914
Revenue
$21,427,747
Expenses
$20,345,269
Net income
$1,082,478
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$375$350$25.0$21.4$20.3$1.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$327$306$20.9$14.7$12.6$2.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$248$229$19.7$12.4$11.2$1.27
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 13, 2025
Return Version
2024v5.2
Gross Receipts
$32,314,620
Mission and Program Overview

Mission

We are a member-owned organization, offering financial services that are competitive within the market and responsive to the changing needs of our members, while maintaining a safe and sound business practice.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$280,985,705$319,091,588▲ $38,105,883
Investments Other Securities$35,089,689$26,099,816▼ $8,989,873
Rtn Earn Endowment Incm Other Fnds$23,538,540$25,048,914▲ $1,510,374
Land, Buildings, and Equipment, Net$6,629,177$8,553,300▲ $1,924,123
Cash and Non-Interest-Bearing Accounts$3,036,888$3,949,358▲ $912,470
Receivables From Officers Etc-$3,373,356-
Prepaid Expenses and Deferred Charges$1,953,118$1,578,165▼ $374,953
Savings and Temporary Cash Investments$9,214,176$1,213,316▼ $8,000,860
Accounts Receivable$47,494$529,946▲ $482,452
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$346,848,374$374,579,174▲ $27,730,800
Other Assets Total$9,892,127$10,190,329▲ $298,202
Liabilities
Other Liabilities$311,728,051$345,041,496▲ $33,313,445
Accounts Payable and Accrued Expenses$3,581,783$2,988,764▼ $593,019
Mortgage Notes Payable Secured by Investment Property$8,000,000$1,500,000▼ $6,500,000
Total Liabilities$323,309,834$349,530,260▲ $26,220,426
Net Assets / Fund Balance
Total Net Assets Fund Balance$23,538,540$25,048,914▲ $1,510,374
Total Liabilities and Net Assets / Fund Balance$346,848,374$374,579,174▲ $27,730,800

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,076,776$2,635,684$7,712,460
Equipment$960,772$3,473,773$4,434,545
Land$1,833,886-$1,833,886
Other Land Buildings$681,866$8,164$690,030
Other Securities$22,485,379--
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jed MeyerCEOFT$248,052$95,666$343,718
Chase LarsonCLOFT$157,448$47,344$204,792
Jamie KleveCOOFT$149,072$29,296$178,368
Meggan SchwirtzCXOFT$145,046$33,006$178,052
Franco CusipagCFOFT$150,424$25,832$176,256
Justin BurnardCTOFT$145,688$30,203$175,891
Jason GrothVP of MortgageFT$111,351$18,462$129,813
Nathan CristIt Technical DirectorFT$103,276$19,628$122,904
Amy WeiszDirector of AccountingFT$107,177$9,792$116,969
Kenneth EricksonBoard 2nd Vice Chair-$3,095-$3,095
Randy SchreifelsBoard Chair-$3,054-$3,054
Becky EisenwinterBoard Member-$2,895-$2,895
Sony LubrechtBoard Member-$2,788-$2,788
Andrew JohannesBoard Member-$2,726-$2,726
Sarah MaierBoard Member-$2,721-$2,721
Rick WurstBoard Member-$2,400-$2,400

Highest Paid Contractors

ContractorServicesLocationCompensation
Bci ConstructionConstruction7135 5TH STREET, Sauk Rapids, MN 56379$1,364,923
VeleraDebit/cardit Card Processor9692 HAVEN AVE STE 300, Rancho Cucamonga, CA 91730$1,147,708
DalandSoftware Development49 PUTNAM BLVD STE 1027, Glastonbury, CT 06033$590,000
Health PartnersHealth/dental InsurancePO BOX 772648, Detroit, MI 48277$531,486
AlkamiOnline Banking Service Provider5601 GRANITE PARKWAY STE 120, Plano, TX 75024$496,193
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,972,081
Investment Income
$1,141,916
Other Revenue
$313,750
Change in Net Assets
$1,082,478
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,976,460
Salaries, Compensation, and Employee Benefits$6,327,532
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$6,041,277
Other Salaries and Wages---$4,247,601
Fees for Services Other---$3,373,094
Office Expenses---$1,009,871
Current Officers, Directors, Trustees, and Key Employees---$922,497
Occupancy---$565,411
Interest---$523,758
Other Employee Benefits---$500,213
Depreciation Depletion---$489,229
Payroll Taxes---$449,312
Advertising---$304,807
Fees for Services Legal---$224,432
Pension Plan Contributions---$207,909
Travel---$146,612
Fees for Services Accounting---$66,400
Other Expenses---$21,020
Total Functional Expenses$0$0$0$20,345,269
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-$3,373,356-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$345,026,996
Allowance for Credit Loss - Off Balance Sheet$14,500
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
Yes
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 4

“The credit union's bylaws were updated to 2025 standard bylaws which focused on election procedures and electronic voting.”

Form 990, Part VI, Section A, Line 6

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

Form 990, Part VI, Section A, Line 7A

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

Form 990, Part VI, Section A, Line 7B

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

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

“Management provides necessary data to independent cpa who prepares the return. Management reviews the return for accuracy, and then authorizes cpa to file the approved return.”

Form 990, Part VI, Section B, Line 12C

“Management reviews transactions against disclosed interests for any possible conflict of interest.”

Form 990, Part VI, Section B, Line 15

“The board of directors compensation committee reviews and recommends compensation on an annual basis to the entire board of directors, who then vote in an excutive session to set the ceo's compensation. The minutes of the executive session are retained by the board of directors. Executive and management compensation is determined by ceo as per the total compensation policy, which is reviewed and approved annually by the board of directors. The process described here was last completed in 2024.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby monthly and other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
St Cloud Financial Credit Union
EIN
41-0517445
Phone
3202522634
Address
1716 PINE CONE ROAD SOUTH, ST CLOUD, MN 55301

Signing Officer

Name
Franco Cusipag
Title
CFO
Phone
3202522634
Signed
2025-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jed Meyer
Formed
1930
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
7
Employees
97
Volunteers
7

Preparer

Firm
Cliftonlarsonallen Llp
Address
109 N MAIN STREET SUITE 200, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 2

“The new offering of business checking, saving, and loan accounts to cannnabis related businesses.”

Form 990, Part IX, Line 11G

“Other professional services 1,761,978. Atm operations 151,948. Debit card expense 1,459,168.”

Form 990 Part XII Line 2C

“The process has not changed.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, under internal revenue code (irc) 501(c)(14), from federal and state income taxes. The credit union has filed tax returns, and amendments thereof, based on the recent court cases, for potential taxable activities, remitting, and recognizing as expense, federal and state tax and related estimate payments, as applicable. Income taxes incurred, or refunds thereof, have not been material to date to the credit union. The taxing authorities have the ability to assess taxes, penalties, and interest for any years for which no tax return was 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, 2025 and 2024.”

Raw XML AppendixShowing 400 of 658 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD 2ND VICE CHAIR
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CXO
IRS990/Form990PartVIISectionAGrp/TitleTxt11COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CTO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF MORTGAGE
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt15IT TECHNICAL DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01930
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0387028
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt011273901
IRS990/GrossReceiptsAmt032314620
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
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IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO MAKE A MEANINGFUL DIFFERENCE FOR ALL, WE ADVOCATE FOR PEOPLE THROUGH A MEMBER-FOCUSED CULTURE, AN ENTHUSIASTIC EMPLOYEE ENVIRONMENT, AND PURPOSEFUL ACTION WITHIN OUR COMMUNITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt08000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt01500000
IRS990/NetAssetsOrFundBalancesBOYAmt023538540
IRS990/NetAssetsOrFundBalancesEOYAmt025048914
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0387028
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0387028
IRS990/NetUnrelatedBusTxblIncmAmt016171
IRS990/NetUnrlzdGainsLossesInvstAmt0427896
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0565411
IRS990/OfficeExpensesGrp/TotalAmt01009871
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09892127
IRS990/OtherAssetsTotalGrp/EOYAmt010190329
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0500213
IRS990/OtherExpensesGrp/Desc0PROVISION FOR CREDIT LO
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt0900787
IRS990/OtherExpensesGrp/TotalAmt1251007
IRS990/OtherExpensesGrp/TotalAmt2100032
IRS990/OtherExpensesGrp/TotalAmt321020
IRS990/OtherLiabilitiesGrp/BOYAmt0311728051
IRS990/OtherLiabilitiesGrp/EOYAmt0345041496
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-INTEREST INCOME (EXPENS
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0313750
IRS990/OtherRevenueTotalAmt0313750
IRS990/OtherSalariesAndWagesGrp/TotalAmt04247601
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0280985705
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0319091588
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0449312
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
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IRS990/PensionPlanContributionsGrp/TotalAmt0207909
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01953118
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01578165
IRS990/PrincipalOfficerNm0JED MEYER
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11869946
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 3,748 NEW LOANS TO MEMBERS DURING 2024. AS OF 12/31/2024 WE HAD 15,324 LOANS TO OUR MEMBERS.
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IRS990/PYSalariesCompEmpBnftPaidAmt05987060
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IRS990/PYTotalRevenueAmt018660100
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
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IRS990/ReportOtherLiabilitiesInd01
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt01213316
IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt02635684
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0960772
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03473773
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04434545
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01833886
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01833886
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt08164
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0690030
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0345026996
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt114500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALLOWANCE FOR CREDIT LOSS - OFF BALANCE SHEET
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01000000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12381200
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2233237
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt322485379
IRS990ScheduleD/OtherSecuritiesGrp/Desc0HELD TO MATURITY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2PERPETUAL CONT CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc3AFS SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, UNDER INTERNAL REVENUE CODE (IRC) 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAS FILED TAX RETURNS, AND AMENDMENTS THEREOF, BASED ON THE RECENT COURT CASES, FOR POTENTIAL TAXABLE ACTIVITIES, REMITTING, AND RECOGNIZING AS EXPENSE, FEDERAL AND STATE TAX AND RELATED ESTIMATE PAYMENTS, AS APPLICABLE. INCOME TAXES INCURRED, OR REFUNDS THEREOF, HAVE NOT BEEN MATERIAL TO DATE TO THE CREDIT UNION. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES, AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS 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, 2025 AND 2024.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08553300
IRS990ScheduleD/TotalBookValueSecuritiesAmt026099816
IRS990ScheduleD/TotalLiabilityAmt0345041496
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0248052
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1157448

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