Liabilities / Assets
36th percentile
Higher debt load relative to assets than 36% of similar nonprofits.
United Employees Credit Union
EIN 41-0615030 • 501(c)14 • Albert Lea, MN
Profile
To provide member-owners a sound financial environment while maintaining a personal level of service with a high level of quality and efficiency.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.86x
Liabilities / Revenue
75th percentile
Higher debt load relative to revenue than 75% of similar nonprofits.
Net Margin
91st percentile
Higher net margin than 91% of similar nonprofits.
Top Officer Pay
59th percentile
Higher top officer pay than 59% of similar nonprofits.
Top officer pay equals 5.6% of source-year revenue.
Asset Growth
85th percentile
Faster asset growth than 85% of similar nonprofits.
Revenue Growth
63rd percentile
Faster revenue growth than 63% of similar nonprofits.
Balance Sheet
Assets
Up$64,693,688
Up $4,741,556 (+7.9%) from 2024
Liabilities
Up$55,802,685
Up $3,851,352 (+7.4%) from 2024
Net Assets
Up$8,891,003
Up $890,204 (+11%) from 2024
Revenue
Up$3,092,728
Up $366,777 (+13%) from 2024
Expenses
Up$2,202,524
Up $90,531 (+4.3%) from 2024
Net Income
Up$890,204
Up $276,246 (+45%) from 2024
Trend Graphs
Filings
Most recent year
2025 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $64,693,688
- Liabilities
- $55,802,685
- Net assets
- $8,891,003
- Revenue
- $3,092,728
- Expenses
- $2,202,524
- Net income
- $890,204
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2025 to Dec 31, 2025
- Signed
- Mar 27, 2026
- Return Version
- 2025v4.0
- Gross Receipts
- $3,107,158
Mission and Program Overview
Mission
To provide member-owners a sound financial environment while maintaining a personal level of service with a high level of quality and efficiency.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $26,646,588 | $27,506,926 | ▲ $860,338 |
| Investments Program Related | $21,095,614 | $22,174,668 | ▲ $1,079,054 |
| Savings and Temporary Cash Investments | $10,982,561 | $13,789,690 | ▲ $2,807,129 |
| Rtn Earn Endowment Incm Other Fnds | $8,000,799 | $8,891,003 | ▲ $890,204 |
| Cash and Non-Interest-Bearing Accounts | $312,357 | $306,217 | ▼ $6,140 |
| Land, Buildings, and Equipment, Net | $131,356 | $124,713 | ▼ $6,643 |
| Prepaid Expenses and Deferred Charges | $60,298 | $49,139 | ▼ $11,159 |
| Total Assets | $59,952,132 | $64,693,688 | ▲ $4,741,556 |
| Other Assets Total | $723,358 | $742,335 | ▲ $18,977 |
| Liabilities | |||
| Other Liabilities | $51,458,279 | $55,361,828 | ▲ $3,903,549 |
| Accounts Payable and Accrued Expenses | $493,054 | $440,857 | ▼ $52,197 |
| Total Liabilities | $51,951,333 | $55,802,685 | ▲ $3,851,352 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,000,799 | $8,891,003 | ▲ $890,204 |
| Total Liabilities and Net Assets / Fund Balance | $59,952,132 | $64,693,688 | ▲ $4,741,556 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $11,232 | $592,962 | $604,194 |
| Buildings | $113,481 | $334,086 | $447,567 |
| Investment Program Related Org | $42,304 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Matt Maras | President / | FT | $157,786 | $14,486 | $172,272 |
| Matt Maras | President / CEO | - | $145,882 | $26,390 | $172,272 |
| David Schroeder | Vice Preside | FT | $79,685 | $23,546 | $103,231 |
Board Members and Trustees
| Name | Title |
|---|---|
| C Thayne Nordland | Board Chair |
| Steve Guenthner | Vice Chair |
| Jay Waltman | Director |
| Leon Hellickson | Director |
| Ron Timm | Director |
| Steve Bowron | Director |
| Grace Steil | Secretary |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,800,331
- Investment Income
- $1,286,902
- Other Revenue
- $5,495
- Change in Net Assets
- $890,204
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,587,848 |
| Salaries, Compensation, and Employee Benefits | $612,676 |
| Grants and Similar Amounts Paid | $2,000 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $241,284 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $237,471 |
| Office Expenses | - | - | - | $132,732 |
| Other Employee Benefits | - | - | - | $56,628 |
| Information Technology | - | - | - | $52,755 |
| Payroll Taxes | - | - | - | $38,760 |
| Pension Plan Contributions | - | - | - | $38,533 |
| Advertising | - | - | - | $38,493 |
| Fees for Services Accounting | - | - | - | $27,821 |
| Occupancy | - | - | - | $23,517 |
| Insurance | - | - | - | $21,622 |
| Depreciation Depletion | - | - | - | $12,217 |
| Travel | - | - | - | $6,761 |
| Conferences and Meetings | - | - | - | $6,225 |
| Other Expenses | - | - | - | $4,000 |
| Grants to Domestic Orgs | - | - | - | $2,000 |
| Interest | - | - | - | $84 |
| Total Functional Expenses | $0 | $0 | $0 | $2,202,524 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares & Deposits | $55,361,828 |
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, Page 6, Part VI, Line 4
“During 2025 the credit union adopted the new standard bylaws for minnesota provided by the state commerce department.”
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
“Management provides necessary data to independent cpa who completes the return. Management reviews the return for accuracy, and then authorizes the cpa to e-file the approved return. Management reviews the return with the directors at the next board meeting.”
Form 990, Page 6, Part VI, Line 12C
“Board members and officers annually complete a survey related to loans, business relationships, and family members that could, or do, create a conflict of interest. These are summarized and reviewed in a document present at a board meeting.”
Form 990, Page 6, Part VI, Line 15A
“Personnel/budget committee comprised of board members reviews performance, examines salary ranges, and brings recommendations for president's compensation to board of directors for approval. The total compensation for all employees is approved by the board as part of the budget approval. Budget approval documented in the board minutes.”
Form 990, Page 6, Part VI, Line 15B
“Key employees are reviewed by the management team who determines their compensation. The total compensation for all employees is approved by the board as part of the budget approval. Budget approval documented in the board minutes.”
Form 990, Page 6, Part VI, Line 19
“Governing documents and confilct of interest policy are available upon request. Financial statements are posted in the lobby.”
Filing and Contact Details
Filer
- Filer Name
- United Employees Credit Union
- EIN
- 41-0615030
- Phone
- 5073771616
- Address
- 430 BRIDGE AVE, ALBERT LEA, MN 56007
Signing Officer
- Name
- Matt Maras
- Title
- President / CEO
- Phone
- 5073771616
- Signed
- 2026-03-27
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Matt Maras
- Formed
- 1932
- Legal Domicile
- Mn
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 9
- Volunteers
- 10
Preparer
- Firm
- Brent Wookey CPA
- Address
- PO BOX 1512, LA CROSSE, WI 54602-1512
- Preparer
- Brent Wookey CPA
- Phone
- 6087920843
Raw XML Appendix386 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/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 493054 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 440857 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE MEMBER-OWNERS A SOUND FINANCIAL ENVIRONMENT WHILE MAINTAINING A PERSONAL LEVEL OF SERVICE WITH A HIGH LEVEL OF QUALITY AND EFFICIENCY. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 38493 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5073771616 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 430 BRIDGE AVE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | ALBERT LEA |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 56007 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 312357 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 306217 |
| IRS990/ChangeToOrgDocumentsInd | 0 | true |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 237471 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 6225 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 2000 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1286902 |
| IRS990/CYOtherExpensesAmt | 0 | 1587848 |
| IRS990/CYOtherRevenueAmt | 0 | 5495 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1800331 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 890204 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 612676 |
| IRS990/CYTotalExpensesAmt | 0 | 2202524 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3092728 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 12217 |
| IRS990/Desc | 0 | THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 161 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 3,993 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 9 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 27821 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 42.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 14486 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 23546 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | MATT MARAS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | DAVID SCHROEDER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | C THAYNE NORDLAND |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | STEVE GUENTHNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | GRACE STEIL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | LEON HELLICKSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | STEVE BOWRON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JAY WALTMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | RON TIMM |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 157786 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 79685 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT / |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE PRESIDE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1932 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -3430 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 2000 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 11000 |
| IRS990/GrossReceiptsAmt | 0 | 3107158 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 52755 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 21622 |
| IRS990/InterestGrp/TotalAmt | 0 | 84 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 1290332 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1290332 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 21095614 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 22174668 |
| IRS990/IRPDocumentCnt | 0 | 1187 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 927048 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 131356 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 124713 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1051761 |
| IRS990/LegalDomicileStateCd | 0 | MN |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 14430 |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | TO PROVIDE MEMBER-OWNERS A SOUND FINANCIAL ENVIRONMENT WHILE MAINTAINING A PERSONAL LEVEL OF SERVICE WITH A HIGH LEVEL OF QUALITY AND EFFICIENCY. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 8000799 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 8891003 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -3430 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -3430 |
| IRS990/NondeductibleContributionsInd | 0 | false |
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| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 723358 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 742335 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 56628 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | CREDIT LOSS EXPENSE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1134323 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 127298 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 4000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 51458279 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 55361828 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
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| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 26646588 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 27506926 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 38760 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 38533 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 60298 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 49139 |
| IRS990/PrincipalOfficerNm | 0 | MATT MARAS |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 520000 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | MEMBER FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER MEMBER RELATED REVENUE |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | MECH REPAIR INSUR INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1670428 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 115414 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 14039 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1670428 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 115414 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 14039 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 450 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 450 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 748 NEW LOANS TO OUR MEMBERS DURING 2025. AS OF 12/31/25 WE HAD 2,168 LOANS TO OUR MEMBERS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 500 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1071487 |
| IRS990/PYOtherExpensesAmt | 0 | 1528060 |
| IRS990/PYOtherRevenueAmt | 0 | 5723 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1648741 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 613958 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 583433 |
| IRS990/PYTotalExpensesAmt | 0 | 2111993 |
| IRS990/PYTotalRevenueAmt | 0 | 2725951 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 890204 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | true |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 5495 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 5495 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 8000799 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 8891003 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 10982561 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 13789690 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 113481 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 334086 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 447567 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 11232 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 592962 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 604194 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 22088000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 44364 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 42304 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | INVESTMENTS WITH MATURITY > 1 YEAR |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | DEFERRED COMP INVESTMENT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | CORPORATE CREDIT UNION CAPITAL ACCTS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 55361828 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES & DEPOSITS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 124713 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 22174668 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 55361828 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 145882 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 10000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 14486 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 1904 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | MATT MARAS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT / CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 172272 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | MATT MARAS 0 3,529 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION PROVIDES A 457 F PLAN FOR THE PRESIDENT. THE PRESIDENT DOES NOT CONTRIBUTE TO THE PLAN. THE CREDIT UNION CONTRIBUTION FOR THIS YEAR IS SHOWN ABOVE. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE J, PAGE 1, PART I, LINE 4 |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | SCHEDULE J, PART III |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | true |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DURING 2025 THE CREDIT UNION ADOPTED THE NEW STANDARD BYLAWS FOR MINNESOTA PROVIDED BY THE STATE COMMERCE DEPARTMENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT CPA WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES THE CPA TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE DIRECTORS AT THE NEXT BOARD MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | BOARD MEMBERS AND OFFICERS ANNUALLY COMPLETE A SURVEY RELATED TO LOANS, BUSINESS RELATIONSHIPS, AND FAMILY MEMBERS THAT COULD, OR DO, CREATE A CONFLICT OF INTEREST. THESE ARE SUMMARIZED AND REVIEWED IN A DOCUMENT PRESENT AT A BOARD MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | PERSONNEL/BUDGET COMMITTEE COMPRISED OF BOARD MEMBERS REVIEWS PERFORMANCE, EXAMINES SALARY RANGES, AND BRINGS RECOMMENDATIONS FOR PRESIDENT'S COMPENSATION TO BOARD OF DIRECTORS FOR APPROVAL. THE TOTAL COMPENSATION FOR ALL EMPLOYEES IS APPROVED BY THE BOARD AS PART OF THE BUDGET APPROVAL. BUDGET APPROVAL DOCUMENTED IN THE BOARD MINUTES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | KEY EMPLOYEES ARE REVIEWED BY THE MANAGEMENT TEAM WHO DETERMINES THEIR COMPENSATION. THE TOTAL COMPENSATION FOR ALL EMPLOYEES IS APPROVED BY THE BOARD AS PART OF THE BUDGET APPROVAL. BUDGET APPROVAL DOCUMENTED IN THE BOARD MINUTES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | GOVERNING DOCUMENTS AND CONFILCT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 6, PART VI, LINE 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 59952132 |
| IRS990/TotalAssetsEOYAmt | 0 | 64693688 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 59952132 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 64693688 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 9 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2202524 |
| IRS990/TotalGrossUBIAmt | 0 | 450 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 51951333 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 55802685 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 51951333 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 55802685 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 8000799 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 8891003 |
| IRS990/TotalOtherCompensationAmt | 0 | 38032 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1800331 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 237471 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 1295827 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1796451 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 3092728 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 450 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 59952132 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 64693688 |
| IRS990/TravelGrp/TotalAmt | 0 | 6761 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 430 BRIDGE AVE |
| IRS990/USAddress/CityNm | 0 | ALBERT LEA |
| IRS990/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990/USAddress/ZIPCd | 0 | 56007 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | UNITEDECU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | MATT MARAS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT / CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5073771616 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2026-03-27 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | UNITED EMPLOYEES CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | UNIT |
| ReturnHeader/Filer/EIN | 0 | 410615030 |
| ReturnHeader/Filer/PhoneNum | 0 | 5073771616 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 430 BRIDGE AVE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | ALBERT LEA |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MN |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 56007 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 461065712 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | BRENT WOOKEY CPA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | PO BOX 1512 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | LA CROSSE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | WI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 546021512 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6087920843 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2026-04-01 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | BRENT WOOKEY CPA |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2026-04-01T16:03:45-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2025-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-12-31 |
| ReturnHeader/TaxYr | 0 | 2025 |
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