Civic Intelligence

Financial One Credit Union

EIN 41-0644981 • 501(c)14 • Columbia Heights, MN

View Organization Page

Profile

It is a cooperative member-owned and controlled organization dedicated to improving the economic well-being of its members by providing comprehensive financial services

843 40th Ave NEColumbia Heights, MN 55421

financialonecu.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 2022

Liabilities / Revenue

9th percentile

0.00x

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

501(c)14 • $5M-$10M nonprofits • Source year 2022

Net Margin

29th percentile

-5.2%

Higher net margin than 29% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

8th percentile

-100%

Faster asset growth than 8% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

5th percentile

-25%

Faster revenue growth than 5% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $196,661,798 (-100%) from 2021

Liabilities

Down

$0

Down $9,771,505 (-100%) from 2021

Net Assets

Down

$0

Down $186,890,293 (-100%) from 2021

Operations
Liabilities / Revenue9th percentileNet Margin29th percentile

Revenue

Down

$8,403,674

Down $2,866,622 (-25%) from 2021

Expenses

Up

$8,844,239

Up $993,053 (+13%) from 2021

Net Income

Down

-$440,565

Down $3,859,675 (-113%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth8th percentile

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

$200M$150M$100M$50M$0Assets 2010: $56,990,855Liabilities 2010: $816,094Net Assets 2010: $56,174,7612010Assets 2011: $56,159,217Liabilities 2011: $768,086Net Assets 2011: $55,391,1312011Assets 2012: $57,684,761Liabilities 2012: $1,273,838Net Assets 2012: $56,410,9232012Assets 2013: $64,067,774Liabilities 2013: $1,295,145Net Assets 2013: $62,772,6292013Assets 2014: $72,330,732Liabilities 2014: $1,100,045Net Assets 2014: $71,230,6872014Assets 2015: $85,143,446Liabilities 2015: $2,889,132Net Assets 2015: $82,254,3142015Assets 2016: $95,771,751Liabilities 2016: $1,966,235Net Assets 2016: $93,805,5162016Assets 2017: $111,861,403Liabilities 2017: $5,283,584Net Assets 2017: $106,577,8192017Assets 2018: $132,922,054Liabilities 2018: $4,656,544Net Assets 2018: $128,265,5102018Assets 2019: $148,215,939Liabilities 2019: $2,297,709Net Assets 2019: $145,918,2302019Assets 2020: $169,305,185Liabilities 2020: $2,268,167Net Assets 2020: $167,037,0182020Assets 2021: $196,661,798Liabilities 2021: $9,771,505Net Assets 2021: $186,890,2932021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2022

Assets$0
Liabilities$0
Net Assets$0
Open 2022 Filing

Operations Trend

Revenue Growth5th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $3,819,9392010Expenses 2011: $4,487,3542011Revenue 2012: $4,424,000Expenses 2012: $3,835,998Net Income 2012: $588,0022012Revenue 2013: $4,634,240Expenses 2013: $4,084,756Net Income 2013: $549,4842013Revenue 2014: $4,983,937Expenses 2014: $3,966,327Net Income 2014: $1,017,6102014Revenue 2015: $5,628,615Expenses 2015: $4,831,782Net Income 2015: $796,8332015Revenue 2016: $6,288,883Expenses 2016: $5,292,652Net Income 2016: $996,2312016Revenue 2017: $7,445,385Expenses 2017: $6,044,782Net Income 2017: $1,400,6032017Revenue 2018: $9,067,330Expenses 2018: $7,433,068Net Income 2018: $1,634,2622018Revenue 2019: $10,178,111Expenses 2019: $8,773,457Net Income 2019: $1,404,6542019Revenue 2020: $10,315,691Expenses 2020: $8,689,824Net Income 2020: $1,625,8672020Revenue 2021: $11,270,296Expenses 2021: $7,851,186Net Income 2021: $3,419,1102021Revenue 2022: $8,403,674Expenses 2022: $8,844,239Net Income 2022: -$440,5652022

Highlighted filing

2022

Revenue$8,403,674
Expenses$8,844,239
Net Income-$440,565
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$8,403,674
Expenses
$8,844,239
Net income
-$440,565
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$8.40$8.84$0.44
2021Detailed filing. Detailed filing data is available for this year.$197$9.77$187$11.3$7.85$3.42
2020Detailed filing. Detailed filing data is available for this year.$169$2.27$167$10.3$8.69$1.63
2019Detailed filing. Detailed filing data is available for this year.$148$2.30$146$10.2$8.77$1.40
2018Detailed filing. Detailed filing data is available for this year.$133$4.66$128$9.07$7.43$1.63
2017Detailed filing. Detailed filing data is available for this year.$112$5.28$107$7.45$6.04$1.40
2016Detailed filing. Detailed filing data is available for this year.$95.8$1.97$93.8$6.29$5.29$1.00
2015Detailed filing. Detailed filing data is available for this year.$85.1$2.89$82.3$5.63$4.83$0.80
2014Detailed filing. Detailed filing data is available for this year.$72.3$1.10$71.2$4.98$3.97$1.02
2013Detailed filing. Detailed filing data is available for this year.$64.1$1.30$62.8$4.63$4.08$0.55
2012Summary only. Only limited summary data is available for this year.$57.7$1.27$56.4$4.42$3.84$0.59
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.2$0.77$55.4$4.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.0$0.82$56.2$3.82
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Sep 30, 2022
Signed
May 24, 2023
Return Version
2022v5.0
Gross Receipts
$8,403,674
Mission and Program Overview

Mission

It is a cooperative member-owned and controlled organization dedicated to improving the economic well-being of its members by providing comprehensive financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$166,700,994$0▼ $166,700,994
Savings and Temporary Cash Investments$15,869,463$0▼ $15,869,463
Land, Buildings, and Equipment, Net$2,848,847$0▼ $2,848,847
Cash and Non-Interest-Bearing Accounts$1,745,462$0▼ $1,745,462
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$196,661,798$0▼ $196,661,798
Other Assets Total$9,497,032$0▼ $9,497,032
Liabilities
Accounts Payable and Accrued Expenses$9,771,505--
Total Liabilities$9,771,505$0▼ $9,771,505
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$185,413,102--
Net Assets With Donor Restrictions$1,477,191--
Total Net Assets Fund Balance$186,890,293$0▼ $186,890,293
Total Liabilities and Net Assets / Fund Balance$196,661,798$0▼ $196,661,798
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ross BloomquistPresident & CEOFT$191,360$40,388$231,748
Lacey MackCLOFT$109,186$57,000$166,186
Deb ConnellCFOFT$92,582$64,000$156,582
Renato PiedadeCIOFT$121,189-$121,189
Donald MosherSecretary-$3,250-$3,250
Jeanette EricksonMember-$3,225-$3,225
Michelle HudakMember-$3,175-$3,175
Kenneth GauvinVice Chairman-$2,550-$2,550
James HuffDirector-$2,238-$2,238
Milo HartmannDirector-$1,938-$1,938
Allan StahlbergDirector-$1,813-$1,813
Janice SchwiegerDirector-$1,663-$1,663
James SandovoldDirector-$1,613-$1,613
Lori NissenDirector-$1,513-$1,513

Board Members and Trustees

NameTitle
Joann CirksChairman
Todd SandersCOO
Robert FischerMember
Robin KirnyczukMember
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,281,072
Investment Income
$122,602
Other Revenue
$0
Change in Net Assets
$-440,565
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,479,496
Salaries, Compensation, and Employee Benefits$2,678,035
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Information Technology-$2,797,023-$2,797,023
Other Salaries and Wages-$1,419,112-$1,419,112
Fees for Services Accounting-$754,468-$754,468
Current Officers, Directors, Trustees, and Key Employees-$699,408-$699,408
Benefits to Members$686,708--$686,708
Advertising-$337,988-$337,988
Office Expenses-$327,549-$327,549
Occupancy-$216,889-$216,889
Payroll Taxes-$210,619-$210,619
Depreciation Depletion-$198,688-$198,688
Pension Plan Contributions-$191,712-$191,712
Fees for Services Legal-$191,414-$191,414
Other Employee Benefits-$157,184-$157,184
Interest-$125,448-$125,448
Insurance-$111,615-$111,615
Conferences and Meetings-$61,619-$61,619
Other Expenses-$589-$589
Total Functional Expenses$686,708$8,157,531$0$8,844,239
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Management duties delegated
No

Governance Explanations

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

“A copy of Form 990 was submitted to Management for their review prior to filing.”

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

“All financial transactions that involve board, committee and staff are reported to the board of directors in a whole when they occur on a monthly basis.”

Form 990, Part VI, Section B, Line 15B

“The process for determining compensation of the officer(s) is reviewed and monitored by a Director/Human Resources by examining comparability studies.”

Form 990, Part VI, Section C, Line 19

“The Credit Union makes available for public inspection it's governing documents, conflict of interest policy, and financial statements upon request.”

Filing and Contact Details

Filer

Filer Name
Financial One Credit Union
EIN
41-0644981
Phone
7634047600
Address
843 40TH AVE NE, COLUMBIA HEIGHTS, MN 55421

Signing Officer

Name
Deb Connell
Title
CFO
Signed
2023-05-24
Discuss with paid preparer
Yes

Organization Details

Formed
1933
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
0
Employees
42

Preparer

Firm
Robert R Rehkamp CPA
Address
843 - 40th Ave NE, Columbia Heights, MN 55421
Preparer
Robert Rehkamp
Phone
7637889671
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“= -$2266507”

Form 990, Part XI, Line 9

“Xxx-xx-xxxx = -$xxx-xx-xxxx”

Other Changes in Net Assets or Fund Balances

“Net increase in Member's Shares contributed of $-2,266,507.”

Raw XML AppendixShowing 400 of 515 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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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Deb Connell
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Lacey Mack
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2Ross Bloomquist
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