Civic Intelligence

Cities Credit Union

EIN 41-0519535 • 501(c)14 • Vadnais Heights, MN

View Organization Page

Profile

Neighborly, comfortable, fun and righthearted service. Offers humble guidance to members.

3625 Talmage CircleVadnais Heights, MN 55110

www.citiescu.org

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 2024

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

17th percentile

-45%

Higher net margin than 17% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

83rd percentile

$126,758

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 8.4% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

59th percentile

0.8%

Faster revenue growth than 59% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $34,334,348 (-100%) from 2023

Liabilities

Down

$0

Down $31,650,033 (-100%) from 2023

Net Assets

Down

$0

Down $2,684,315 (-100%) from 2023

Operations
Liabilities / Revenue35th percentileNet Margin17th percentile

Revenue

Up

$1,501,794

Up $11,891 (+0.8%) from 2023

Expenses

Up

$2,180,963

Up $685,466 (+46%) from 2023

Net Income

Down

-$679,169

Down $673,575 (-12041%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$40M$30M$20M$10M$0Assets 2010: $25,009,621Liabilities 2010: $22,984,056Net Assets 2010: $2,025,5652010Assets 2011: $24,955,580Liabilities 2011: $22,905,602Net Assets 2011: $2,049,9782011Assets 2012: $26,706,188Liabilities 2012: $24,601,281Net Assets 2012: $2,104,9072012Assets 2013: $26,487,843Liabilities 2013: $24,309,065Net Assets 2013: $2,178,7782013Assets 2014: $27,349,873Liabilities 2014: $25,059,171Net Assets 2014: $2,290,7022014Assets 2015: $27,970,879Liabilities 2015: $25,575,844Net Assets 2015: $2,395,0352015Assets 2016: $28,975,526Liabilities 2016: $26,542,015Net Assets 2016: $2,433,5112016Assets 2017: $29,900,513Liabilities 2017: $27,415,885Net Assets 2017: $2,484,6282017Assets 2018: $29,352,020Liabilities 2018: $26,782,905Net Assets 2018: $2,569,1152018Assets 2019: $30,248,557Liabilities 2019: $27,617,203Net Assets 2019: $2,631,3542019Assets 2020: $34,534,584Liabilities 2020: $31,892,271Net Assets 2020: $2,642,3132020Assets 2021: $36,503,066Liabilities 2021: $33,835,442Net Assets 2021: $2,667,6242021Assets 2022: $37,961,220Liabilities 2022: $35,271,310Net Assets 2022: $2,689,9102022Assets 2023: $34,334,348Liabilities 2023: $31,650,033Net Assets 2023: $2,684,3152023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2024

Assets$0
Liabilities$0
Net Assets$0
Open 2024 Filing

Operations Trend

Revenue Growth59th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,406,1212010Expenses 2011: $1,312,7662011Expenses 2012: $1,274,7362012Revenue 2013: $1,337,731Expenses 2013: $1,263,860Net Income 2013: $73,8712013Revenue 2014: $1,348,614Expenses 2014: $1,236,690Net Income 2014: $111,9242014Revenue 2015: $1,305,215Expenses 2015: $1,200,882Net Income 2015: $104,3332015Revenue 2016: $1,287,469Expenses 2016: $1,248,993Net Income 2016: $38,4762016Revenue 2017: $1,334,226Expenses 2017: $1,283,109Net Income 2017: $51,1172017Revenue 2018: $1,433,007Expenses 2018: $1,348,520Net Income 2018: $84,4872018Revenue 2019: $1,467,259Expenses 2019: $1,405,020Net Income 2019: $62,2392019Revenue 2020: $1,330,376Expenses 2020: $1,319,417Net Income 2020: $10,9592020Revenue 2021: $1,272,325Expenses 2021: $1,247,014Net Income 2021: $25,3112021Revenue 2022: $1,467,709Expenses 2022: $1,445,423Net Income 2022: $22,2862022Revenue 2023: $1,489,903Expenses 2023: $1,495,497Net Income 2023: -$5,5942023Revenue 2024: $1,501,794Expenses 2024: $2,180,963Net Income 2024: -$679,1692024

Highlighted filing

2024

Revenue$1,501,794
Expenses$2,180,963
Net Income-$679,169
Open 2024 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
$0
Liabilities
$0
Net assets
$0
Revenue
$1,501,794
Expenses
$2,180,963
Net income
-$679,169
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$1.50$2.18$0.68
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.3$31.7$2.68$1.49$1.50$0.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.0$35.3$2.69$1.47$1.45$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.5$33.8$2.67$1.27$1.25$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.5$31.9$2.64$1.33$1.32$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.2$27.6$2.63$1.47$1.41$0.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.4$26.8$2.57$1.43$1.35$0.08
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.9$27.4$2.48$1.33$1.28$0.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.0$26.5$2.43$1.29$1.25$0.04
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$28.0$25.6$2.40$1.31$1.20$0.10
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.3$25.1$2.29$1.35$1.24$0.11
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.5$24.3$2.18$1.34$1.26$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.7$24.6$2.10$1.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.0$22.9$2.05$1.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.0$23.0$2.03$1.41
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Apr 3, 2023
Return Version
2022v5.0
Gross Receipts
$1,667,301
Mission and Program Overview

Mission

Neighborly, comfortable, fun and righthearted service. Offers humble guidance to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$18,447,495$18,198,929▼ $248,566
Investments Program Related$11,770,023$14,832,134▲ $3,062,111
Savings and Temporary Cash Investments$4,611,743$3,167,303▼ $1,444,440
Rtn Earn Endowment Incm Other Fnds$2,667,624$2,689,910▲ $22,286
Land, Buildings, and Equipment, Net$675,132$659,868▼ $15,264
Cash and Non-Interest-Bearing Accounts$203,999$278,380▲ $74,381
Prepaid Expenses and Deferred Charges$6,610$10,528▲ $3,918
Total Assets$36,503,066$37,961,220▲ $1,458,154
Other Assets Total$788,064$814,078▲ $26,014
Liabilities
Other Liabilities$33,692,517$34,820,963▲ $1,128,446
Mortgage Notes Payable Secured by Investment Property-$231,445-
Accounts Payable and Accrued Expenses$142,925$218,902▲ $75,977
Total Liabilities$33,835,442$35,271,310▲ $1,435,868
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,667,624$2,689,910▲ $22,286
Total Liabilities and Net Assets / Fund Balance$36,503,066$37,961,220▲ $1,458,154

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$358,000$627,079$985,079
Equipment$110,675$761,133$871,808
Land$180,000-$180,000
Other Land Buildings$11,193$14,145$25,338
Investment Program Related Org$4,361--
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mike EnrightPresidentFT$86,190$12,568$98,758
Kristine HeuerVice PresideFT$80,813$13,376$94,189

Board Members and Trustees

NameTitle
Daniel PedersonChair
Joan SiegfriedVice Chair
James ArtheDirector
Richard LarsonDirector
Thomas BrockwayDirector
James WalkerSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData Processing75 REMITTANCE DRIVE, Chicago, IL 60675$190,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,149,127
Investment Income
$288,495
Other Revenue
$30,087
Change in Net Assets
$22,286
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,047,349
Salaries, Compensation, and Employee Benefits$398,074
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$175,861
Current Officers, Directors, Trustees, and Key Employees---$167,003
Other Salaries and Wages---$161,532
Information Technology---$119,851
Occupancy---$110,588
Depreciation Depletion---$73,572
Advertising---$44,701
Other Expenses---$39,054
Fees for Services Other---$37,450
Other Employee Benefits---$31,648
Insurance---$29,108
Payroll Taxes---$24,166
Fees for Services Accounting---$18,560
Pension Plan Contributions---$13,725
Conferences and Meetings---$8,395
Interest---$3,483
Fees for Services Legal---$1,230
Total Functional Expenses$0$0$0$1,445,423
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Certificates$34,820,963
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
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, 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

“Vice president provides the information to independent preparer who completes the return. Vp reviews the return for accuracy, and then authorizes preparer to e-file the approved return. Vp notifies supervisory committe the 990 has been filed and is available for their reivew. The board is notified at their next meeting.”

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

“At the first board meeting after the annual meeting each year, the board members are asked to disclose any known conflicts of interest. Any conflicts are noted in the board minutes.”

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

“The board is provided comparable data for ceo salaries which they review. The board meets with the ceo to review his proformance and goals for the next year. The board then determines the ceo compensation. The board chair prepares a signed letter to the ceo to document his approved compensation.”

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

“The president determines salary of all other employees using comparable salary data. The compensation amounts are included in the annual budget approved by the board of directors.”

Form 990, Page 6, Part VI, Line 19

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

Filing and Contact Details

Filer

Filer Name
Cities Credit Union
EIN
41-0519535
Phone
6514263773
Address
3625 TALMAGE CIRCLE, VADNAIS HEIGHTS, MN 55110

Signing Officer

Name
Kristine Heuer
Title
Vice President
Phone
6514263773
Signed
2023-04-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mike Enright
Formed
1936
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
5
Employees
7

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Raw XML Appendix375 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/BOYAmt0142925
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0218902
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0NEIGHBORLY, COMFORTABLE, FUN AND RIGHTHEARTED SERVICE. OFFERS HUMBLE GUIDANCE TO MEMBERS.
IRS990/AdvertisingGrp/TotalAmt044701
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0KRISTINE HEUER
IRS990/BooksInCareOfDetail/PhoneNum06514263773
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03625 TALMAGE CIRCLE
IRS990/BooksInCareOfDetail/USAddress/CityNm0VADNAIS HEIGHTS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd055110
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0203999
IRS990/CashNonInterestBearingGrp/EOYAmt0278380
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0167003
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt08395
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0190000
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt075 REMITTANCE DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0CHICAGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd060675
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FISERV
IRS990/ContractorCompensationGrp/ServicesDesc0DATA PROCESSING
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0288495
IRS990/CYOtherExpensesAmt01047349
IRS990/CYOtherRevenueAmt030087
IRS990/CYProgramServiceRevenueAmt01149127
IRS990/CYRevenuesLessExpensesAmt022286
IRS990/CYSalariesCompEmpBnftPaidAmt0398074
IRS990/CYTotalExpensesAmt01445423
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01467709
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt073572
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE TO OUR MEMBERS. WE OPENED 73 NEW DEPOSIT ACCOUNTS IN 2022. AS OF 12/31/22 WE HAD 2,480 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt018560
IRS990/FeesForServicesLegalGrp/TotalAmt01230
IRS990/FeesForServicesOtherGrp/TotalAmt037450
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt012568
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt113376
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0MIKE ENRIGHT
IRS990/Form990PartVIISectionAGrp/PersonNm1KRISTINE HEUER
IRS990/Form990PartVIISectionAGrp/PersonNm2DANIEL PEDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm3JOAN SIEGFRIED
IRS990/Form990PartVIISectionAGrp/PersonNm4JAMES WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm5THOMAS BROCKWAY
IRS990/Form990PartVIISectionAGrp/PersonNm6JAMES ARTHE
IRS990/Form990PartVIISectionAGrp/PersonNm7RICHARD LARSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt086190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180813
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
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/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-1331
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0198261
IRS990/GrossReceiptsAmt01667301
IRS990/GrossRentsGrp/RealAmt029587
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0119851
IRS990/InsuranceGrp/TotalAmt029108
IRS990/InterestGrp/TotalAmt03483
IRS990/InvestmentIncomeGrp/ExclusionAmt0289826
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0289826
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt011770023
IRS990/InvestmentsProgramRelatedGrp/EOYAmt014832134
IRS990/IRPDocumentCnt0389
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01402357
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0675132
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0659868
IRS990/LandBldgEquipCostOrOtherBssAmt02062225
IRS990/LegalDomicileStateCd0MN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0199592
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0NEIGHBORLY, COMFORTABLE, FUN AND RIGHTHEARTED SERVICE. OFFERS HUMBLE GUIDANCE TO MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0231445
IRS990/NetAssetsOrFundBalancesBOYAmt02667624
IRS990/NetAssetsOrFundBalancesEOYAmt02689910
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-1331
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-1331
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt029587
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt029587
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0110588
IRS990/OfficeExpensesGrp/TotalAmt0175861
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0788064
IRS990/OtherAssetsTotalGrp/EOYAmt0814078
IRS990/OtherEmployeeBenefitsGrp/TotalAmt031648
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DIVIDENDS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0201996
IRS990/OtherExpensesGrp/TotalAmt1183500
IRS990/OtherExpensesGrp/TotalAmt239054
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IRS990/OtherLiabilitiesGrp/EOYAmt034820963
IRS990/OtherSalariesAndWagesGrp/TotalAmt0161532
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IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt024166
IRS990/PensionPlanContributionsGrp/TotalAmt013725
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06610
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt010528
IRS990/PrincipalOfficerNm0MIKE ENRIGHT
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER MEMBER RELATED INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0834626
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1166861
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2147640
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0834626
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1166861
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2147640
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 43,439 NEW LOANS DURING 2022. AS OF 12/31/22 WE HAD 67,572 LOANS RECEIVABLE OUTSTANDING.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0196118
IRS990/PYOtherExpensesAmt0871571
IRS990/PYOtherRevenueAmt023604
IRS990/PYProgramServiceRevenueAmt01052603
IRS990/PYRevenuesLessExpensesAmt025311
IRS990/PYSalariesCompEmpBnftPaidAmt0375443
IRS990/PYTotalExpensesAmt01247014
IRS990/PYTotalRevenueAmt01272325
IRS990/ReconcilationRevenueExpnssAmt022286
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt029587
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesRevenueGrp/ExclusionAmt0500
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0500
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02667624
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02689910
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04611743
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03167303
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0358000
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0627079
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0985079
IRS990ScheduleD/EquipmentGrp/BookValueAmt0110675
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0761133
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0871808
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt014534000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1273773
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt220000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt34361
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS WITH MATURITY > 1 YEAR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CORP CU MEMBERSHIP & PAID IN CAPTIAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CO-OP NETWORK SHARES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3INVESTMENT IN SERVION GROUP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/LandGrp/BookValueAmt0180000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0180000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt011193
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt014145
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt025338
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt034820963
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0659868
IRS990ScheduleD/TotalBookValueProgramRltdAmt014832134
IRS990ScheduleD/TotalLiabilityAmt034820963
IRS990/ScheduleJRequiredInd0false
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/ExplanationTxt3VICE PRESIDENT PROVIDES THE INFORMATION TO INDEPENDENT PREPARER WHO COMPLETES THE RETURN. VP REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES PREPARER TO E-FILE THE APPROVED RETURN. VP NOTIFIES SUPERVISORY COMMITTE THE 990 HAS BEEN FILED AND IS AVAILABLE FOR THEIR REIVEW. THE BOARD IS NOTIFIED AT THEIR NEXT MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AT THE FIRST BOARD MEETING AFTER THE ANNUAL MEETING EACH YEAR, THE BOARD MEMBERS ARE ASKED TO DISCLOSE ANY KNOWN CONFLICTS OF INTEREST. ANY CONFLICTS ARE NOTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD IS PROVIDED COMPARABLE DATA FOR CEO SALARIES WHICH THEY REVIEW. THE BOARD MEETS WITH THE CEO TO REVIEW HIS PROFORMANCE AND GOALS FOR THE NEXT YEAR. THE BOARD THEN DETERMINES THE CEO COMPENSATION. THE BOARD CHAIR PREPARES A SIGNED LETTER TO THE CEO TO DOCUMENT HIS APPROVED COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PRESIDENT DETERMINES SALARY OF ALL OTHER EMPLOYEES USING COMPARABLE SALARY DATA. THE COMPENSATION AMOUNTS ARE INCLUDED IN THE ANNUAL BUDGET APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST.
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 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt036503066
IRS990/TotalAssetsEOYAmt037961220
IRS990/TotalAssetsGrp/BOYAmt036503066
IRS990/TotalAssetsGrp/EOYAmt037961220
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01445423
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt033835442
IRS990/TotalLiabilitiesEOYAmt035271310
IRS990/TotalLiabilitiesGrp/BOYAmt033835442
IRS990/TotalLiabilitiesGrp/EOYAmt035271310
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02667624
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02689910
IRS990/TotalOtherCompensationAmt025944
IRS990/TotalProgramServiceRevenueAmt01149127
IRS990/TotalReportableCompFromOrgAmt0167003
IRS990/TotalRevenueGrp/ExclusionAmt0319913
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01147796
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01467709
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt036503066
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037961220
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03625 TALMAGE CIRCLE
IRS990/USAddress/CityNm0VADNAIS HEIGHTS
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055110
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.CITIESCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KRISTINE HEUER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VICE PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06514263773
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-04-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CITIES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CITI
ReturnHeader/Filer/EIN0410519535
ReturnHeader/Filer/PhoneNum06514263773
ReturnHeader/Filer/USAddress/AddressLine1Txt03625 TALMAGE CIRCLE
ReturnHeader/Filer/USAddress/CityNm0VADNAIS HEIGHTS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055110
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0811697509
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0AUDIT THREESIXTY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01202 JOHNSON ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ONALASKA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546502008
ReturnHeader/PreparerPersonGrp/PhoneNum06083173765
ReturnHeader/PreparerPersonGrp/PreparationDt02023-04-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02023-04-27T13:58:37-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0KRISTINE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0HEUER
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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