Civic Intelligence

Co-Op Credit Union of Montevideo

EIN 41-0693272 • 501(c)14 • Montevideo, MN

View Organization Page

Profile

The credit union provides financial services, investment options, and loans for appoximately 14,900 members in west central minnesota. The credit union has locations in montevideo, benson, canby and willmar.

2407 E Hwy 7 PO Box 447Montevideo, MN 56265

www.co-opcreditunion.com

Siviq Scores

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

Liabilities / Assets

13th percentile

0.85x

Higher debt load relative to assets than 13% of similar nonprofits.

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

Liabilities / Revenue

63rd percentile

15.80x

Higher debt load relative to revenue than 63% of similar nonprofits.

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

Net Margin

90th percentile

22%

Higher net margin than 90% of similar nonprofits.

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

Top Officer Pay

34th percentile

$376,598

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

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

Asset Growth

62nd percentile

4.3%

Faster asset growth than 62% of similar nonprofits.

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

Revenue Growth

77th percentile

19%

Faster revenue growth than 77% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets13th percentile

Assets

Up

$374,479,158

Up $15,430,063 (+4.3%) from 2023

Liabilities

Up

$318,527,570

Up $11,004,855 (+3.6%) from 2023

Net Assets

Up

$55,951,588

Up $4,425,208 (+8.6%) from 2023

Operations
Liabilities / Revenue63rd percentileNet Margin90th percentile

Revenue

Up

$20,157,881

Up $3,203,727 (+19%) from 2023

Expenses

Up

$15,732,673

Up $3,029,527 (+24%) from 2023

Net Income

Up

$4,425,208

Up $174,200 (+4.1%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

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

$400M$300M$200M$100M$0Assets 2010: $125,112,653Liabilities 2010: $112,324,087Net Assets 2010: $12,788,5662010Assets 2011: $136,187,481Liabilities 2011: $121,400,922Net Assets 2011: $14,786,5592011Assets 2012: $147,826,427Liabilities 2012: $131,335,879Net Assets 2012: $16,490,5482012Assets 2013: $147,509,419Liabilities 2013: $129,331,810Net Assets 2013: $18,177,6092013Assets 2014: $147,234,505Liabilities 2014: $127,114,294Net Assets 2014: $20,120,2112014Assets 2015: $164,161,789Liabilities 2015: $142,161,794Net Assets 2015: $21,999,9952015Assets 2016: $170,219,570Liabilities 2016: $145,780,201Net Assets 2016: $24,439,3692016Assets 2017: $183,012,612Liabilities 2017: $155,879,113Net Assets 2017: $27,133,4992017Assets 2018: $196,810,677Liabilities 2018: $166,416,476Net Assets 2018: $30,394,2012018Assets 2019: $214,823,042Liabilities 2019: $180,893,984Net Assets 2019: $33,929,0582019Assets 2020: $270,896,101Liabilities 2020: $232,846,332Net Assets 2020: $38,049,7692020Assets 2021: $328,823,847Liabilities 2021: $286,030,284Net Assets 2021: $42,793,5632021Assets 2022: $359,509,912Liabilities 2022: $312,234,540Net Assets 2022: $47,275,3722022Assets 2023: $359,049,095Liabilities 2023: $307,522,715Net Assets 2023: $51,526,3802023Assets 2024: $374,479,158Liabilities 2024: $318,527,570Net Assets 2024: $55,951,5882024

Highlighted filing

2024

Assets$374,479,158
Liabilities$318,527,570
Net Assets$55,951,588
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

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

$30M$20M$10M$0Expenses 2010: $5,829,4602010Expenses 2011: $4,879,2032011Expenses 2012: $4,895,1012012Revenue 2013: $6,138,168Expenses 2013: $4,451,498Net Income 2013: $1,686,6702013Revenue 2014: $6,350,254Expenses 2014: $4,406,038Net Income 2014: $1,944,2162014Revenue 2015: $6,597,413Expenses 2015: $4,718,244Net Income 2015: $1,879,1692015Revenue 2016: $7,494,747Expenses 2016: $5,068,224Net Income 2016: $2,426,5232016Revenue 2017: $8,302,669Expenses 2017: $5,619,024Net Income 2017: $2,683,6452017Revenue 2018: $9,686,862Expenses 2018: $6,417,261Net Income 2018: $3,269,6012018Revenue 2019: $11,328,637Expenses 2019: $7,793,780Net Income 2019: $3,534,8572019Revenue 2020: $12,544,172Expenses 2020: $8,423,461Net Income 2020: $4,120,7112020Revenue 2021: $13,808,277Expenses 2021: $9,064,483Net Income 2021: $4,743,7942021Revenue 2022: $13,722,372Expenses 2022: $9,240,563Net Income 2022: $4,481,8092022Revenue 2023: $16,954,154Expenses 2023: $12,703,146Net Income 2023: $4,251,0082023Revenue 2024: $20,157,881Expenses 2024: $15,732,673Net Income 2024: $4,425,2082024

Highlighted filing

2024

Revenue$20,157,881
Expenses$15,732,673
Net Income$4,425,208
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$374,479,158
Liabilities
$318,527,570
Net assets
$55,951,588
Revenue
$20,157,881
Expenses
$15,732,673
Net income
$4,425,208
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$374$319$56.0$20.2$15.7$4.43
2023Detailed filing. Detailed filing data is available for this year.$359$308$51.5$17.0$12.7$4.25
2022Detailed filing. Detailed filing data is available for this year.$360$312$47.3$13.7$9.24$4.48
2021Detailed filing. Detailed filing data is available for this year.$329$286$42.8$13.8$9.06$4.74
2020Detailed filing. Detailed filing data is available for this year.$271$233$38.0$12.5$8.42$4.12
2019Detailed filing. Detailed filing data is available for this year.$215$181$33.9$11.3$7.79$3.53
2018Detailed filing. Detailed filing data is available for this year.$197$166$30.4$9.69$6.42$3.27
2017Detailed filing. Detailed filing data is available for this year.$183$156$27.1$8.30$5.62$2.68
2016Detailed filing. Detailed filing data is available for this year.$170$146$24.4$7.49$5.07$2.43
2015Detailed filing. Detailed filing data is available for this year.$164$142$22.0$6.60$4.72$1.88
2014Detailed filing. Detailed filing data is available for this year.$147$127$20.1$6.35$4.41$1.94
2013Detailed filing. Detailed filing data is available for this year.$148$129$18.2$6.14$4.45$1.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$148$131$16.5$4.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$136$121$14.8$4.88
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$125$112$12.8$5.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.0
Gross Receipts
$20,157,881
Mission and Program Overview

Mission

The credit union provides financial services, investment options, and loans for approximately 12,000 members in west central minnesota. The credit union has locations in montevideo, benson, canby and willmar.

The credit union provides financial services, investment options, and loans for approximately 17,200 members in west central minnesota. The credit union has locations in montevideo, benson, canby and willmar.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$229,143,722$244,478,969▲ $15,335,247
Investments Other Securities$65,091,979$47,671,850▼ $17,420,129
Investments Program Related$39,782,212$40,061,327▲ $279,115
Cash and Non-Interest-Bearing Accounts$11,670,791$27,965,127▲ $16,294,336
Land, Buildings, and Equipment, Net$6,681,275$6,758,900▲ $77,625
Prepaid Expenses and Deferred Charges$230,999$279,697▲ $48,698
Total Assets$359,049,095$374,479,158▲ $15,430,063
Other Assets Total$6,448,117$7,263,288▲ $815,171
Liabilities
Other Liabilities$298,911,452$314,055,973▲ $15,144,521
Accounts Payable and Accrued Expenses$2,982,855$2,927,226▼ $55,629
Mortgage Notes Payable Secured by Investment Property$5,628,408$1,544,371▼ $4,084,037
Total Liabilities$307,522,715$318,527,570▲ $11,004,855
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$51,526,380$55,951,588▲ $4,425,208
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$51,526,380$55,951,588▲ $4,425,208
Total Liabilities and Net Assets / Fund Balance$359,049,095$374,479,158▲ $15,430,063

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,601,632$2,494,865$7,096,497
Equipment$764,450$1,387,970$2,152,420
Land$1,392,818-$1,392,818
Investment Program Related Org$22,597,327--
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Other Securities$10,000,000--
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kayla ReiffenbergerPresident/CEOFT$279,996$91,423$371,419
Daniel PieperChief Credit OfficerFT$177,541$33,091$210,632
Anna SprayCFOFT$126,827$28,234$155,061
Loren HansenLoan OfficerFT$122,596$29,011$151,607
Ryan EpemaLoan OfficerFT$100,422$31,519$131,941
Cheri HughesBranch Manager/Loan OfficerFT$106,646$9,048$115,694
Peter SchmitzSecretary-$728-$728
Mark TastadBoard Officer-$635-$635
Jason FrenchChairperson-$625-$625
Kyle KranzBoard Member-$613-$613
Diane DieterVice Chairperson-$575-$575
Jennifer StryhnBoard Member-$570-$570
Barb PedersonSupervisory Chairperson-$428-$428
Patrick CarruthBoard Member-$353-$353
Aaron JaenischSupervisory Member-$228-$228
Ronda OlsonSupervisory Member-$203-$203

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv INCComputer Software/cards/supplies255 FISERV DRIVE, Brookfield, WI 53008$660,746
Jack Henry & Associates INCCore Operating SystemPO BOX 609, Monnett, MO 65708$585,749
ArcaTechnology Services4510 HEATHERWOOD ROAD, St Cloud, MN 56301$203,874
-Tcr5050 KINGSLEY DR, Cincinnati, OH 45227$167,387
-Card ServicesPO BOX 742233, Los Angeles, CA 90074-2233$144,511
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,620,073
Investment Income
$2,537,808
Other Revenue
$0
Change in Net Assets
$4,425,208
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,314,194
Salaries, Compensation, and Employee Benefits$4,309,673
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$7,108,806
Other Salaries and Wages---$2,372,988
Current Officers, Directors, Trustees, and Key Employees---$1,148,783
Fees for Services Other---$866,189
Depreciation Depletion---$380,907
Other Employee Benefits---$364,410
Payroll Taxes---$242,605
Occupancy---$240,492
Pension Plan Contributions---$180,887
All Other Expenses---$134,203
Insurance---$106,527
Advertising---$89,534
Interest---$75,465
Conferences and Meetings---$48,290
Other Expenses---$46,984
Fees for Services Legal---$6,455
Total Functional Expenses$0$0$0$15,732,673
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 on Deposit$314,055,973
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is owned by its members who must maintain a share account of at least $5.00.”

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

“The governing body is elected by the members at the credit unions' annual meeting. At least 15 members must be in attendance at the annual meeting.”

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

“The governing body does not review the form 990. The credit union's president reviews the form before it is filed.”

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

“Annually, the credit union obtains an acknowledgement of the conflict of interest policies from board members, officers, and employees. The credit union reviews the policies it receives.”

Form 990, Part VI, Section B, Line 15

“A salary review committe of the governing body reviews the ranges of salaries for the various positions and compares that to an annual statistical report. The governing board sets the salary for the president and also sets the salary ranges for all positions at the credit union.”

Form 990, Part VI, Section C, Line 19

“Copies of forms 990 and 990-t, governing documents, conflicts of interest policy, and financial statements are made available to the public upon request. The credit union keeps copies of its annual financial statements in the lobby at all branches for the members to take if they would like.”

Filing and Contact Details

Filer

Filer Name
Co-op Credit Union of Montevideo
EIN
41-0693272
Phone
3202692117
Address
2407 E HWY 7 PO BOX 447, MONTEVIDEO, MN 56265

Signing Officer

Name
Kayla Reiffenberger
Title
President/CEO
Phone
3202692117
Signed
2025-11-14

Organization Details

Principal Officer
Kayla Reiffenberger
Formed
1940
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
7
Employees
83
Volunteers
0
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2

“The credit union adopted the income tax standard for uncertain tax positions on october 1, 2009. As a result of this implementation, the credit union has evlauated its tax positions and determined no uncertain tax positions exist as of december 31, 2024.”

Raw XML AppendixShowing 400 of 576 raw XML fields

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

Path#Value
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/PersonNm0KAYLA REIFFENBERGER
IRS990/Form990PartVIISectionAGrp/PersonNm1DANIEL PIEPER
IRS990/Form990PartVIISectionAGrp/PersonNm2ANNA SPRAY
IRS990/Form990PartVIISectionAGrp/PersonNm3LOREN HANSEN
IRS990/Form990PartVIISectionAGrp/PersonNm4Ryan Epema
IRS990/Form990PartVIISectionAGrp/PersonNm5CHERI HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm6PETER SCHMITZ
IRS990/Form990PartVIISectionAGrp/PersonNm7MARK TASTAD
IRS990/Form990PartVIISectionAGrp/PersonNm8JASON FRENCH
IRS990/Form990PartVIISectionAGrp/PersonNm9KYLE KRANZ
IRS990/Form990PartVIISectionAGrp/PersonNm10DIANE DIETER
IRS990/Form990PartVIISectionAGrp/PersonNm11JENNIFER STRYHN
IRS990/Form990PartVIISectionAGrp/PersonNm12BARB PEDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm13PATRICK CARRUTH
IRS990/Form990PartVIISectionAGrp/PersonNm14AARON JAENISCH
IRS990/Form990PartVIISectionAGrp/PersonNm15RONDA OLSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0281926
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1171685
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2128194
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3121118
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4100422
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5106646
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6728
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15203
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHIEF CREDIT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt3LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt4Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Branch Manager/Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIRPERSON
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IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPERVISORY CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SUPERVISORY MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SUPERVISORY MEMBER
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IRS990/Form990TFiledInd01
IRS990/FormationYr01940
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
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IRS990/IndoorTanningServicesInd00
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IRS990/InvestmentInJointVentureInd00
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IRS990/MissionDesc0THE CREDIT UNION PROVIDES FINANCIAL SERVICES, INVESTMENT OPTIONS, AND LOANS FOR APPOXIMATELY 17,200 MEMBERS IN WEST CENTRAL MINNESOTA. THE CREDIT UNION HAS LOCATIONS IN MONTEVIDEO, BENSON, CANBY AND WILLMAR.
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IRS990/PrincipalOfficerNm0KAYLA REIFFENBERGER
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt01387970
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1OTHER INVESTMENTS
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt01392818
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01392818
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0314055973
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES ON DEPOSIT

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