Civic Intelligence

Trustone Financial Credit Union

EIN 41-0749255 • 501(c)14 • Plymouth, MN

View Organization Page

Profile

We engage, educate and inspire our members to achieve lifelong financial well-being.

14601 27th Ave N Ste 104Plymouth, MN 55447

www.trustonefinancial.org

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.90x

Higher debt load relative to assets than 43% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

47th percentile

15.17x

Higher debt load relative to revenue than 47% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

83rd percentile

17%

Higher net margin than 83% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

84th percentile

8.4%

Faster asset growth than 84% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2024

Revenue Growth

88th percentile

30%

Faster revenue growth than 88% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$5,423,588,090

Up $420,441,188 (+8.4%) from 2023

Liabilities

Up

$4,901,914,895

Up $357,411,721 (+7.9%) from 2023

Net Assets

Up

$521,673,195

Up $63,029,467 (+14%) from 2023

Operations
Liabilities / Revenue47th percentileNet Margin83rd percentile

Revenue

Up

$323,047,344

Up $67,808,675 (+27%) from 2023

Expenses

Up

$267,150,782

Up $63,319,830 (+31%) from 2023

Net Income

Up

$55,896,562

Up $4,488,845 (+8.7%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

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

$6.0B$4.0B$2.0B$0Assets 2020: $3,548,378,075Liabilities 2020: $3,168,269,291Net Assets 2020: $380,108,7842020Assets 2021: $3,979,767,120Liabilities 2021: $3,564,688,522Net Assets 2021: $415,078,5982021Assets 2022: $4,614,668,122Liabilities 2022: $4,227,263,866Net Assets 2022: $387,404,2562022Assets 2023: $5,003,146,902Liabilities 2023: $4,544,503,174Net Assets 2023: $458,643,7282023Assets 2024: $5,423,588,090Liabilities 2024: $4,901,914,895Net Assets 2024: $521,673,1952024

Highlighted filing

2024

Assets$5,423,588,090
Liabilities$4,901,914,895
Net Assets$521,673,195
Open 2024 Filing

Operations Trend

Revenue Growth88th percentile

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

$400M$300M$200M$100M$0Revenue 2020: $567,101Expenses 2020: $395,878Net Income 2020: $171,2232020Revenue 2021: $161,649,599Expenses 2021: $117,040,383Net Income 2021: $44,609,2162021Revenue 2022: $190,600,595Expenses 2022: $134,126,061Net Income 2022: $56,474,5342022Revenue 2023: $255,238,669Expenses 2023: $203,830,952Net Income 2023: $51,407,7172023Revenue 2024: $323,047,344Expenses 2024: $267,150,782Net Income 2024: $55,896,5622024

Highlighted filing

2024

Revenue$323,047,344
Expenses$267,150,782
Net Income$55,896,562
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,423,588,090
Liabilities
$4,901,914,895
Net assets
$521,673,195
Revenue
$323,047,344
Expenses
$267,150,782
Net income
$55,896,562
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5,424$4,902$522$323$267$55.9
2023Detailed filing. Detailed filing data is available for this year.$5,003$4,545$459$255$204$51.4
2022Detailed filing. Detailed filing data is available for this year.$4,615$4,227$387$191$134$56.5
2021Detailed filing. Detailed filing data is available for this year.$3,980$3,565$415$162$117$44.6
2020Detailed filing. Detailed filing data is available for this year.$3,548$3,168$380$0.57$0.40$0.17
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.2
Gross Receipts
$332,514,967
Mission and Program Overview

Mission

We engage, educate and inspire our members to achieve lifelong financial well-being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,749,787,410$3,892,800,888▲ $143,013,478
Investments Program Related$763,735,229$972,804,885▲ $209,069,656
Rtn Earn Endowment Incm Other Fnds$458,643,728$521,673,195▲ $63,029,467
Savings and Temporary Cash Investments$144,730,550$202,097,068▲ $57,366,518
Cash and Non-Interest-Bearing Accounts$69,468,656$68,083,500▼ $1,385,156
Land, Buildings, and Equipment, Net$52,102,553$49,962,407▼ $2,140,146
Receivables From Officers Etc$41,071,265$40,878,900▼ $192,365
Investments Other Securities$29,345,400$39,378,200▲ $10,032,800
Intangible Assets$22,007,703$21,983,950▼ $23,753
Prepaid Expenses and Deferred Charges$3,421,699$4,227,631▲ $805,932
Accounts Receivable$3,073,133$3,846,060▲ $772,927
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,003,146,902$5,423,588,090▲ $420,441,188
Other Assets Total$124,403,304$127,524,601▲ $3,121,297
Liabilities
Other Liabilities$3,929,075,923$4,234,396,379▲ $305,320,456
Mortgage Notes Payable Secured by Investment Property$549,000,000$615,000,000▲ $66,000,000
Accounts Payable and Accrued Expenses$54,433,070$39,483,516▼ $14,949,554
Escrow Account Liability$11,994,181$13,035,000▲ $1,040,819
Total Liabilities$4,544,503,174$4,901,914,895▲ $357,411,721
Net Assets / Fund Balance
Total Net Assets Fund Balance$458,643,728$521,673,195▲ $63,029,467
Total Liabilities and Net Assets / Fund Balance$5,003,146,902$5,423,588,090▲ $420,441,188

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$25,150,251$15,646,479$40,796,730
Equipment$4,701,448$31,695,359$36,396,807
Land$18,078,441-$18,078,441
Leasehold Improvements$284,825$1,985,758$2,270,583
Other Land Buildings$1,747,442-$1,747,442
Investment Program Related Org$579,004--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dale TurnerPresident/CEOFT$781,411$368,674$1,150,085
Jeff ErpeldingAvp/financial AdvisorFT$62,365$449,333$511,698
Jeffrey ZajacMortgage Area Sales ManageFT$31,345$452,736$484,081
Daniel ZaczkowskiEvp/chief Financial OfficerFT$319,004$159,248$478,252
Gary JeterEvp/chief Technology OfficerFT$313,922$155,805$469,727
Philip YoungEvp/chief Legal OfficerFT$298,583$156,882$455,465
Steven SteenEvp/chief Retail OfficerFT$293,855$142,904$436,759
Hans IversonEvp/chief Operations OfficerFT$287,017$149,311$436,328
Nathan GrunzkeEvp/chief Mortgage OfficerFT$258,899$112,363$371,262
Nicole Hahn DempsterEvp/chief People OfficerFT$242,924$117,439$360,363
Matthew BernaMortgage ConsultantFT$12,918$340,876$353,794
Martin KellyEvp/chief Marketing OfficerFT$216,795$123,326$340,121
Eric FeldMortgage ConsultantFT$15,522$311,033$326,555
Jolee McdevittMortgage ConsultantFT$25,534$270,911$296,445
Jennifer WhitlockDirector-$5,000-$5,000
Steve BohligDirector-$5,000-$5,000
Steve HunzikerDirector-$5,000-$5,000
Doug NesbitTreasuerPT$4,861-$4,861
Samuel SternDirector-$4,730-$4,730
Darrick MetzVice ChairPT$4,290-$4,290
John ChristensonChairPT$3,281-$3,281
Bruce WhitmoreDirector-$2,899-$2,899
Kevin CraneDirector-$2,834-$2,834
James SackettSecretaryPT$2,662-$2,662
Lori BoninDirector-$2,612-$2,612

Board Members and Trustees

NameTitle
Anne ZiebellDirector
Tom AlagnaDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Velera (fka Pscu)Card Processing560 CARILLON PARKWAY, St Petersburg, FL 33716$4,152,851
Vision Media-stephen Reed Two Dog MediaDigital Media Provider11820 NORTHRUP WAY STE E-100, Bellevue, WA 98005$2,923,756
Jack Henry And AssociatesCore Transaction ProcessorPO BOX 609, Monett, MO 65708$2,612,409
Ancona Title AgencyTitle Company4750 WHITE BEAR PARKWAY, White Bear Lake, MN 55110$2,130,387
Servion Commercial Loan Resources INCCommercial Loan Servicer500 MAIN STREET, New Brighton, MN 55112$1,865,291
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$235,872,286
Investment Income
$87,059,973
Other Revenue
$115,085
Change in Net Assets
$55,896,562

Audited Revenue Reconciliation

Revenue per Audited Statements
$323,047,344
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$7,541,450
Total Revenue per Audited Statements
$330,588,794
Total Revenue per Form 990
$323,047,344
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$104,645,178
Salaries, Compensation, and Employee Benefits$60,398,388
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$102,107,216
Interest---$52,258,531
Other Salaries and Wages---$40,397,635
Office Expenses---$13,297,673
Other Employee Benefits---$8,821,406
Fees for Services Other---$7,791,863
Depreciation Depletion---$4,618,720
Advertising---$4,570,504
Current Officers, Directors, Trustees, and Key Employees---$4,541,531
Occupancy---$4,396,975
Payroll Taxes---$3,335,682
Pension Plan Contributions---$3,302,134
Travel---$1,020,887
Fees for Services Management---$632,244
Fees for Services Legal---$241,293
Fees for Services Accounting---$181,091
Other Expenses---$144,029
Total Functional Expenses$0$0$0$267,150,782

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$274,692,224
Expenses per Audited Statements$267,150,782
Total Expenses per Form 990$267,150,782
Expenses Not Reported on Form 990$7,541,442
Expenses Not Reported on Financial Statements$0
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 Officers, Directors, Trustees, and Key Employees$41,071,265$40,878,900▼ $192,365
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$3,928,295,778
Non-member Shares$305,582,667
Off-balance Sheet Credit Exposures$517,934
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Membership is available to persons who live, work, worship, volunteer or attend school in and businesses and other legal entities in central and southern minnesota, including the minneapolis/st. Paul metropolitan area, and the counties of kenosha, pierce, racine, st. Croix and milwaukee in wisconsin. Membership is also available to select groups of employees. The household of a member including but not limited to the spouse, blood or adoptive relatives of the member are also eligible.”

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

“Members elect the board of directors. Each member is entitled to 1 vote.”

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

“The members vote on mergers (if acquired credit union only, not surviving), charter changes and election of the board of directors.”

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

“Form 990 will be reviewed by officers prior to its filing and will be provided after filing to the board of directors and the supervisory committee as an informational report.”

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

“Audits of the hr functions include a review of whether or not an employee has executed the acknowledgement of the code of ethics (including conflict of interest rules). Internal audit performs quarterly testing to determine if employees are performing transactions on their own deposit and loans accounts. Board members are asked annually to reaffirm the existence of the code of ethics resolution (including the conflict of interest rules)”

Form 990, Part VI, Section B, Line 15

“Ceo salary is determined by the board of directors and benchmarked to current compensation salary survey information. Other officers and key employee salaries are determined by the ceo and benchmarked to current compensation salary survey information provided by human resources. The process described here was last completed in 2024.”

Form 990, Part VI, Section C, Line 19

“Financials and copies of the 990 are available on request. Call report data however, is available to the public on the ncua's website.”

Filing and Contact Details

Filer

Filer Name
Trustone Financial Credit Union
EIN
41-0749255
Phone
8008621998
Address
14601 27TH AVE N STE 104, PLYMOUTH, MN 55447

Signing Officer

Name
Daniel Zaczkowski
Title
Chief Financial Officer
Phone
8008621998
Signed
2025-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dale Turner
Formed
1939
Legal Domicile
Mn
Voting Board Members
13
Independent Board Members
13
Employees
694
Volunteers
13

Preparer

Firm
Cliftonlarsonallen Llp
Address
109 N MAIN STREET SUITE 200, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

Part XII, Line 2C

“No changes from prior year.”

Financial Statement Notes

PART IV, LINE 2B:

“Yes, trustone holds escrow accounts for loans we service that were sold to fnma & fhlb.”

PART X, LINE 2:

“The credit union is exempt, under internal revenue code 501(c)(14), from federal and state income taxes. The credit union has filed tax returns in the past for activities they have deemed taxable as unrelated business income. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2024 and 2023. The credit union's 2021 through 2023 tax years are open for examination by federal and state taxing authorities.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Revenue included in expenses 7,541,450.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Revenue included in expenses 7,541,450. Rounding -8.”

Raw XML AppendixShowing 400 of 951 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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