Civic Intelligence

Northwoods Credit Union

990 • Fiscal year 2017 • EIN 41-0653148

Jan 01, 2017 to Dec 31, 2017 • Filed on Jun 22, 2018

Organization ProfileWWW.NORTHWOODSCU.ORG

View Organization Page

1702 Ave BCloquet, MN 55720

(218) 879-4181

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

15th percentile

13.53x

Higher debt load relative to revenue than 15% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

13th percentile

-1.4%

Higher net margin than 13% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

79th percentile

$181,987

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

34th percentile

1.6%

Faster asset growth than 34% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

70th percentile

8.7%

Faster revenue growth than 70% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$91,515,954

Up $1,422,392 (+1.6%) from 2016

Net Assets

Down

$9,287,512

Down $82,798 (-0.9%) from 2016

Liabilities

Up

$82,228,442

Up $1,505,190 (+1.9%) from 2016

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin13th percentile

Revenue

Up

$6,078,302

Up $485,969 (+8.7%) from 2016

Expenses

Up

$6,161,100

Up $672,503 (+12%) from 2016

Net Income

Down

-$82,798

Down $186,534 (-180%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth34th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200M$150M$100M$50M$0Assets 2010: $53,709,244Liabilities 2010: $46,746,031Net Assets 2010: $6,963,2132010Assets 2011: $56,458,809Liabilities 2011: $48,927,930Net Assets 2011: $7,530,8792011Assets 2012: $66,635,990Liabilities 2012: $59,005,919Net Assets 2012: $7,630,0712012Assets 2013: $70,906,206Liabilities 2013: $62,691,666Net Assets 2013: $8,214,5402013Assets 2014: $74,061,755Liabilities 2014: $65,165,858Net Assets 2014: $8,895,8972014Assets 2015: $79,894,587Liabilities 2015: $70,628,013Net Assets 2015: $9,266,5742015Assets 2016: $90,093,562Liabilities 2016: $80,723,252Net Assets 2016: $9,370,3102016Assets 2017: $91,515,954Liabilities 2017: $82,228,442Net Assets 2017: $9,287,5122017Assets 2018: $112,878,884Liabilities 2018: $101,014,540Net Assets 2018: $11,864,3442018Assets 2019: $120,165,800Liabilities 2019: $107,626,794Net Assets 2019: $12,539,0062019Assets 2020: $139,988,463Liabilities 2020: $129,178,239Net Assets 2020: $10,810,2242020Assets 2021: $158,800,321Liabilities 2021: $146,714,716Net Assets 2021: $12,085,6052021Assets 2022: $162,399,307Liabilities 2022: $149,068,094Net Assets 2022: $13,331,2132022Assets 2023: $172,709,574Liabilities 2023: $159,345,986Net Assets 2023: $13,363,5882023Assets 2024: $175,915,538Liabilities 2024: $161,331,925Net Assets 2024: $14,583,6132024

Highlighted filing

2017

Assets$91,515,954
Liabilities$82,228,442
Net Assets$9,287,512
Open 2017 Filing

Operations Trend

Revenue Growth70th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0-$5.0MExpenses 2010: $2,949,9732010Expenses 2011: $3,281,5292011Expenses 2012: $3,795,9562012Revenue 2013: $4,463,521Expenses 2013: $3,879,052Net Income 2013: $584,4692013Revenue 2014: $4,986,803Expenses 2014: $4,292,878Net Income 2014: $693,9252014Revenue 2015: $5,180,829Expenses 2015: $4,810,152Net Income 2015: $370,6772015Revenue 2016: $5,592,333Expenses 2016: $5,488,597Net Income 2016: $103,7362016Revenue 2017: $6,078,302Expenses 2017: $6,161,100Net Income 2017: -$82,7982017Revenue 2018: $7,268,555Expenses 2018: $7,022,691Net Income 2018: $245,8642018Revenue 2019: $8,371,524Expenses 2019: $7,696,862Net Income 2019: $674,6622019Revenue 2020: $6,129,710Expenses 2020: $7,858,493Net Income 2020: -$1,728,7832020Revenue 2021: $10,013,963Expenses 2021: $8,738,581Net Income 2021: $1,275,3822021Revenue 2022: $11,374,020Expenses 2022: $9,715,764Net Income 2022: $1,658,2562022Revenue 2023: $11,960,002Expenses 2023: $11,930,660Net Income 2023: $29,3422023Revenue 2024: $13,484,630Expenses 2024: $12,264,605Net Income 2024: $1,220,0252024

Highlighted filing

2017

Revenue$6,078,302
Expenses$6,161,100
Net Income-$82,798
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jun 22, 2018
Return Version
2017v2.2
Gross Receipts
$6,215,734
Mission and Program Overview

Mission

To be the trusted financial partner for our members.

Provide credit union services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$66,025,348$74,589,113▲ $8,563,765
Rtn Earn Endowment Incm Other Fnds$9,370,310$9,287,512▼ $82,798
Investments Other Securities$9,961,506$7,171,908▼ $2,789,598
Land, Buildings, and Equipment, Net$2,244,828$2,536,379▲ $291,551
Savings and Temporary Cash Investments$7,109,345$1,457,369▼ $5,651,976
Cash and Non-Interest-Bearing Accounts$1,175,283$1,124,660▼ $50,623
Accounts Receivable-$776,264-
Prepaid Expenses and Deferred Charges$287,752$355,482▲ $67,730
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$90,093,562$91,515,954▲ $1,422,392
Other Assets Total$3,289,500$3,504,779▲ $215,279
Liabilities
Other Liabilities$79,920,797$82,211,116▲ $2,290,319
Accounts Payable and Accrued Expenses$802,455$17,326▼ $785,129
Total Liabilities$80,723,252$82,228,442▲ $1,505,190
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,370,310$9,287,512▼ $82,798
Total Liabilities and Net Assets / Fund Balance$90,093,562$91,515,954▲ $1,422,392

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,771,323$1,162,081$2,933,404
Equipment$218,256$1,028,979$1,247,235
Land$546,800-$546,800
Other Securities$7,171,908--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Barbara BrownPresident/CEOFT$160,215$21,772$181,987
Debra J LarsonBoard Chairperson-$1,308-$1,308
Thomas HillBoard Vice Chair-$1,239-$1,239
Christine Nielson-ringatDirector-$1,135-$1,135
Nicholas SiltanenSupervisory Committee Chai-$1,098-$1,098
Lisa Follett-pollakBoard Secretary-$1,066-$1,066
Dean ForsytheBoard Treasurer-$982-$982
Ann DunaiskiDirector-$972-$972
Dakota KoskiDirector-$966-$966
Mary Ann JohnsonSupervisory Committee-$804-$804
Colleen BassettSupervisory Committee-$630-$630
Larry ChampeauxSupervisory Committee-$216-$216
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,787,230
Investment Income
$287,606
Other Revenue
$3,466
Change in Net Assets
$-82,798
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,716,896
Salaries, Compensation, and Employee Benefits$2,478,360
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,592,017
Fees for Services Other---$1,061,075
Benefits to Members---$965,844
Other Employee Benefits---$490,782
Information Technology---$411,579
Occupancy---$232,019
Depreciation Depletion---$201,515
Current Officers, Directors, Trustees, and Key Employees---$192,403
Office Expenses---$181,017
Advertising---$154,645
Payroll Taxes---$132,602
Pension Plan Contributions---$70,556
Insurance---$44,824
Other Expenses---$26,221
Travel---$23,396
Conferences and Meetings---$15,668
All Other Expenses---$3,029
Interest---$57
Total Functional Expenses$0$0$0$6,161,100
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
Money Market Accounts$24,642,164
Share Accounts$23,628,623
Certificates of Deposit$15,364,661
Share Draft Accounts$12,541,794
Ira Accounts$4,578,982
Other Liabilities$1,030,380
Health Savings Accounts$392,014
Interest on Certificates Payable$32,498
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
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 6

“The credit union is made up of members.”

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

“The governing body is elected by the members of the credit union.”

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

“Decisions of the board of directors that require approval by members include policy changes, change in term limits, and by-law changes.”

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

“No review was or will be conducted.”

Form 990, Part VI, Section B, Line 15

“The process for determining compensation for the president included review and approval of the members of the board of directors based on review of salaries of comparable positions.”

Form 990, Part VI, Section C, Line 19

“The organization makes form 990 available for public inspection upon request.”

Filing and Contact Details

Filer

Filer Name
Northwoods Credit Union
EIN
41-0653148
Phone
2188794181
Address
1702 AVE B, CLOQUET, MN 55720

Signing Officer

Name
Paula Olsen
Title
Accounting Manager
Phone
2188794181
Signed
2018-06-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Barbara Brown
Formed
1936
Legal Domicile
Mn
Voting Board Members
8
Independent Board Members
8
Employees
40
Volunteers
0

Preparer

Firm
Wipfli Llp
Address
10000 INNOVATION DRIVE SUITE 250, MILWAUKEE, WI 53226-4837
Preparer
Thomas J Eling
Phone
4144319300
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Professional and outside services 1,061,075.”

Raw XML AppendixShowing 400 of 479 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/OtherExpensesGrp/TotalAmt326221
IRS990/OtherLiabilitiesGrp/BOYAmt079920797
IRS990/OtherLiabilitiesGrp/EOYAmt082211116
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS REVENUE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03466
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03466
IRS990/OtherRevenueTotalAmt03466
IRS990/OtherSalariesAndWagesGrp/TotalAmt01592017
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt066025348
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt074589113
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0132602
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt070556
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0287752
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0355482
IRS990/PrincipalOfficerNm0BARBARA BROWN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/BusinessCd4522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1CREDIT CARD USAGE FEES
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3CREDIT LIFE AND DISABI
IRS990/ProgramServiceRevenueGrp/Desc4ORIGINATION INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04397666
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1594145
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2506747
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3182450
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt494522
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04397666
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1594145
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2506747
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3182450
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt494522
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01003804
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0131939
IRS990/PYOtherExpensesAmt02137627
IRS990/PYOtherRevenueAmt01032
IRS990/PYProgramServiceRevenueAmt05459362
IRS990/PYRevenuesLessExpensesAmt0103736
IRS990/PYSalariesCompEmpBnftPaidAmt02347166
IRS990/PYTotalExpensesAmt05488597
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05592333
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-82798
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09370310
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09287512
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07109345
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01457369
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01771323
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01162081
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02933404
IRS990ScheduleD/EquipmentGrp/BookValueAmt0218256
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01028979
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01247235
IRS990ScheduleD/LandGrp/BookValueAmt0546800
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0546800
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04578982
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt115364661
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt212541794
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3392014
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt424642164
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt523628623
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt632498
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt71030380
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3HEALTH SAVINGS ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4MONEY MARKET ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6INTEREST ON CERTIFICATES PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7OTHER LIABILITIES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07171908
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02536379
IRS990ScheduleD/TotalBookValueSecuritiesAmt07171908
IRS990ScheduleD/TotalLiabilityAmt082211116
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0160215
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021772
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BARBARA BROWN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0181987
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03675
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13125
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt23593
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt34236
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0MISCELLANEOUS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1MISCELLANEOUS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2MISCELLANEOUS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3MISCELLANEOUS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt05000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt25000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt35000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BARBARA BROWN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1SUSAN LANGENBRUNNER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MARY GOLEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3TERRY BURN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/TotalBalanceDueAmt014629
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MADE UP OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BODY IS ELECTED BY THE MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS OF THE BOARD OF DIRECTORS THAT REQUIRE APPROVAL BY MEMBERS INCLUDE POLICY CHANGES, CHANGE IN TERM LIMITS, AND BY-LAW CHANGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PROCESS FOR DETERMINING COMPENSATION FOR THE PRESIDENT INCLUDED REVIEW AND APPROVAL OF THE MEMBERS OF THE BOARD OF DIRECTORS BASED ON REVIEW OF SALARIES OF COMPARABLE POSITIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION MAKES FORM 990 AVAILABLE FOR PUBLIC INSPECTION UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6PROFESSIONAL AND OUTSIDE SERVICES 1,061,075.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$91,515,954
Liabilities
$82,228,442
Net assets
$9,287,512
Revenue
$6,078,302
Expenses
$6,161,100
Net income
-$82,798
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$176$161$14.6$13.5$12.3$1.22
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$173$159$13.4$12.0$11.9$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$162$149$13.3$11.4$9.72$1.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$159$147$12.1$10.0$8.74$1.28
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$140$129$10.8$6.13$7.86$1.73
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$120$108$12.5$8.37$7.70$0.67
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$113$101$11.9$7.27$7.02$0.25
2017Detailed filing. Detailed filing data is available for this year.$91.5$82.2$9.29$6.08$6.16$0.08
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$90.1$80.7$9.37$5.59$5.49$0.10
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.9$70.6$9.27$5.18$4.81$0.37
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$74.1$65.2$8.90$4.99$4.29$0.69
2013Detailed filing. Detailed filing data is available for this year.$70.9$62.7$8.21$4.46$3.88$0.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$66.6$59.0$7.63$3.80
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.5$48.9$7.53$3.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.7$46.7$6.96$2.95