Civic Intelligence

North Star Credit Union

EIN 41-0789207 • 501(c)14 • Cook, MN

View Organization Page

Profile

We are a credit union. Our mission is to provide financial services and financial education.

24 S River StreetCook, MN 55723

northstarcreditunion.org

Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

54th percentile

16.12x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

8th percentile

-2.0%

Higher net margin than 8% of similar nonprofits.

501(c)14 • $100M-$250M 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

86th percentile

8.3%

Faster asset growth than 86% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

33rd percentile

11%

Faster revenue growth than 33% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$105,276,923

Up $8,106,475 (+8.3%) from 2023

Liabilities

Up

$96,060,382

Up $8,227,776 (+9.4%) from 2023

Net Assets

Down

$9,216,541

Down $121,301 (-1.3%) from 2023

Operations
Liabilities / Revenue54th percentileNet Margin8th percentile

Revenue

Up

$5,959,335

Up $589,876 (+11%) from 2023

Expenses

Up

$6,080,636

Up $1,430,158 (+31%) from 2023

Net Income

Down

-$121,301

Down $840,282 (-117%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth86th percentile

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

$150M$100M$50M$0Assets 2010: $23,025,639Liabilities 2010: $21,125,603Net Assets 2010: $1,900,0362010Assets 2011: $23,390,301Liabilities 2011: $21,264,900Net Assets 2011: $2,125,4012011Assets 2012: $27,605,783Liabilities 2012: $25,126,102Net Assets 2012: $2,479,6812012Assets 2013: $28,319,954Liabilities 2013: $25,498,219Net Assets 2013: $2,821,7352013Assets 2014: $30,152,823Liabilities 2014: $26,979,512Net Assets 2014: $3,173,3112014Assets 2015: $35,184,098Liabilities 2015: $31,640,101Net Assets 2015: $3,543,9972015Assets 2016: $37,284,331Liabilities 2016: $33,374,618Net Assets 2016: $3,909,7132016Assets 2017: $45,175,698Liabilities 2017: $40,468,429Net Assets 2017: $4,707,2692017Assets 2018: $54,435,415Liabilities 2018: $48,791,223Net Assets 2018: $5,644,1922018Assets 2019: $59,776,837Liabilities 2019: $53,521,962Net Assets 2019: $6,254,8752019Assets 2020: $70,279,609Liabilities 2020: $63,401,036Net Assets 2020: $6,878,5732020Assets 2021: $84,380,411Liabilities 2021: $76,422,652Net Assets 2021: $7,957,7592021Assets 2022: $90,931,796Liabilities 2022: $82,312,935Net Assets 2022: $8,618,8612022Assets 2023: $97,170,448Liabilities 2023: $87,832,606Net Assets 2023: $9,337,8422023Assets 2024: $105,276,923Liabilities 2024: $96,060,382Net Assets 2024: $9,216,5412024

Highlighted filing

2024

Assets$105,276,923
Liabilities$96,060,382
Net Assets$9,216,541
Open 2024 Filing

Operations Trend

Revenue Growth33rd percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,044,8112010Expenses 2011: $1,083,1622011Expenses 2012: $1,080,3192012Revenue 2013: $1,483,855Expenses 2013: $1,141,801Net Income 2013: $342,0542013Revenue 2014: $1,528,833Expenses 2014: $1,177,257Net Income 2014: $351,5762014Revenue 2015: $1,808,413Expenses 2015: $1,428,725Net Income 2015: $379,6882015Revenue 2016: $1,984,422Expenses 2016: $1,618,707Net Income 2016: $365,7152016Revenue 2017: $2,234,546Expenses 2017: $2,001,984Net Income 2017: $232,5622017Revenue 2018: $2,858,324Expenses 2018: $2,671,818Net Income 2018: $186,5062018Revenue 2019: $3,388,642Expenses 2019: $2,783,169Net Income 2019: $605,4732019Revenue 2020: $3,725,903Expenses 2020: $3,101,445Net Income 2020: $624,4582020Revenue 2021: $4,205,366Expenses 2021: $3,124,660Net Income 2021: $1,080,7062021Revenue 2022: $4,235,366Expenses 2022: $3,574,264Net Income 2022: $661,1022022Revenue 2023: $5,369,459Expenses 2023: $4,650,478Net Income 2023: $718,9812023Revenue 2024: $5,959,335Expenses 2024: $6,080,636Net Income 2024: -$121,3012024

Highlighted filing

2024

Revenue$5,959,335
Expenses$6,080,636
Net Income-$121,301
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
$105,276,923
Liabilities
$96,060,382
Net assets
$9,216,541
Revenue
$5,959,335
Expenses
$6,080,636
Net income
-$121,301
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$105$96.1$9.22$5.96$6.08$0.12
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$97.2$87.8$9.34$5.37$4.65$0.72
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.9$82.3$8.62$4.24$3.57$0.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$84.4$76.4$7.96$4.21$3.12$1.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$70.3$63.4$6.88$3.73$3.10$0.62
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.8$53.5$6.25$3.39$2.78$0.61
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$54.4$48.8$5.64$2.86$2.67$0.19
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.2$40.5$4.71$2.23$2.00$0.23
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.3$33.4$3.91$1.98$1.62$0.37
2015Summary only. Only limited summary data is available for this year.$35.2$31.6$3.54$1.81$1.43$0.38
2014Detailed filing. Detailed filing data is available for this year.$30.2$27.0$3.17$1.53$1.18$0.35
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$28.3$25.5$2.82$1.48$1.14$0.34
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.6$25.1$2.48$1.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.4$21.3$2.13$1.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.0$21.1$1.90$1.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 23, 2025
Return Version
2024v5.2
Gross Receipts
$5,971,974
Mission and Program Overview

Mission

Credit Union -- The North Star Credit Union provides financial services and financial education.

We are a credit union. Our mission is to provide financial services and financial education.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$81,051,040$87,783,651▲ $6,732,611
Rtn Earn Endowment Incm Other Fnds$9,337,842$9,216,541▼ $121,301
Investments Other Securities$5,409,000$6,946,000▲ $1,537,000
Land, Buildings, and Equipment, Net$4,916,874$4,609,912▼ $306,962
Savings and Temporary Cash Investments$3,673,864$3,493,816▼ $180,048
Cash and Non-Interest-Bearing Accounts$796,679$931,006▲ $134,327
Accounts Receivable$195,824$336,519▲ $140,695
Prepaid Expenses and Deferred Charges$218,870$185,460▼ $33,410
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$97,170,448$105,276,923▲ $8,106,475
Other Assets Total$908,297$990,559▲ $82,262
Liabilities
Other Liabilities$87,310,463$95,601,790▲ $8,291,327
Mortgage Notes Payable Secured by Investment Property$307,057$312,189▲ $5,132
Accounts Payable and Accrued Expenses$215,086$146,403▼ $68,683
Total Liabilities$87,832,606$96,060,382▲ $8,227,776
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,337,842$9,216,541▼ $121,301
Total Liabilities and Net Assets / Fund Balance$97,170,448$105,276,923▲ $8,106,475

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,715,839$1,542,008$5,257,847
Equipment$451,501$187,365$638,866
Other Land Buildings$213,842$88,741$302,583
Land$228,730-$228,730
Other Securities$6,946,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer StedtCEO/treasurerFT$155,204$37,911$193,115
Jennifer JudasVP of AccountingFT$111,750$35,127$146,877
Stephanie BurckhardtVP Mortgage LendingFT$106,357$33,274$139,631
Alicia DahlVP Business ServicesFT$105,606$22,762$128,368

Board Members and Trustees

NameTitle
Lara WhitesideChair
Vicki ScheldeVice Chair
Jodie PierceDirector
Josh SvedbergDirector
Marge RinneDirector
John KorpiSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Computer Marketing CorpComputer Marketing8520 S SANDY PKWY, Sandy City, UT 84070$151,012
Hawk Construction INCConstruction1833 US RITE 2, Grand Rapids, MN 55744$114,396
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,463,978
Investment Income
$428,480
Other Revenue
$66,877
Change in Net Assets
$-121,301
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,460,790
Salaries, Compensation, and Employee Benefits$2,619,846
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,748,862
Interest---$1,352,030
Other Employee Benefits---$449,255
Depreciation Depletion---$440,274
Fees for Services Other---$387,178
Current Officers, Directors, Trustees, and Key Employees---$277,327
Office Expenses---$205,809
Occupancy---$203,521
Payroll Taxes---$144,402
Advertising---$127,236
Other Expenses---$77,456
Travel---$60,955
Fees for Services Accounting---$35,079
All Other Expenses---$23,146
Fees for Services Legal---$11,325
Conferences and Meetings---$1,947
Total Functional Expenses$0$0$0$6,080,636
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
Regular Shares$31,801,185
Share Certificates$29,570,377
Share Drafts$21,255,901
Money Market Shares$6,070,898
Ira Shares$3,673,581
Other Shares$3,229,848
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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 organization is owned by its members, who are customers of the credit union.”

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

“The board of directors is elected by the membership.”

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

“Certain decisions made by the board members are approved by the membership body”

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

“The form 990 is reviewed by the president and accounting/operations before it is filed.”

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

“The board of directors determine the ceo's compensation by analyzing comparable data.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby, governing documents and policies are available at the credit union.”

Filing and Contact Details

Filer

Filer Name
North Star Credit Union
EIN
41-0789207
Phone
2186665940
Address
24 S RIVER STREET, COOK, MN 55723

Signing Officer

Name
Jennifer Stedt
Title
CEO
Phone
2186665940
Signed
2025-10-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Stedt
Formed
1939
Legal Domicile
Mn
Voting Board Members
6
Independent Board Members
6
Employees
35
Volunteers
9

Preparer

Firm
Brady Martz & Associates Pc
Address
PO BOX 848, MINOT, ND 58702-0848
Preparer
Ryan E Bakke CPA
Phone
7018520196
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The credit union's policy is to evaluate the likelihood that its uncertain tax positions will prevail upon examination based on the extent to which those positions have substantial support within the internal revenue code and regulations, revenue rulings, court decisions, and other evidence. It is the opinion of management that the credit union has no significant uncertain tax positions that would be subject to change upon examiniation. The federal income tax returns of the credit union are subject to examination by the irs, generally for three years after they were filed. All required tax filings are up to date.”

Raw XML AppendixShowing 400 of 423 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0215086
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0146403
IRS990/AccountsReceivableGrp/BOYAmt0195824
IRS990/AccountsReceivableGrp/EOYAmt0336519
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WE ARE A CREDIT UNION. OUR MISSION IS TO PROVIDE FINANCIAL SERVICES AND FINANCIAL EDUCATION.
IRS990/AdvertisingGrp/TotalAmt0127236
IRS990/AllOtherExpensesGrp/TotalAmt023146
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0NORTH STAR CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum02186665940
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt024 S RIVER STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0COOK
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd055723
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0796679
IRS990/CashNonInterestBearingGrp/EOYAmt0931006
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0277327
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt01947
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0151012
IRS990/ContractorCompensationGrp/CompensationAmt1114396
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt08520 S SANDY PKWY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt11833 US RITE 2
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0SANDY CITY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0UT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd084070
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd155744
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0COMPUTER MARKETING CORP
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1HAWK CONSTRUCTION INC
IRS990/ContractorCompensationGrp/ServicesDesc0COMPUTER MARKETING
IRS990/ContractorCompensationGrp/ServicesDesc1CONSTRUCTION
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0428480
IRS990/CYOtherExpensesAmt03460790
IRS990/CYOtherRevenueAmt066877
IRS990/CYProgramServiceRevenueAmt05463978
IRS990/CYRevenuesLessExpensesAmt0-121301
IRS990/CYSalariesCompEmpBnftPaidAmt02619846
IRS990/CYTotalExpensesAmt06080636
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt05959335
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0440274
IRS990/Desc0NON-PROFIT ORGANIZATION PROVIDING FINANCIAL SERVICES TO A FIELD OF MEMBERSHIP.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt035
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt035079
IRS990/FeesForServicesLegalGrp/TotalAmt011325
IRS990/FeesForServicesOtherGrp/TotalAmt0387178
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt627537
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt735127
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt833274
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt922762
IRS990/Form990PartVIISectionAGrp/PersonNm0LARA WHITESIDE
IRS990/Form990PartVIISectionAGrp/PersonNm1VICKI SCHELDE
IRS990/Form990PartVIISectionAGrp/PersonNm2MARGE RINNE
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN KORPI
IRS990/Form990PartVIISectionAGrp/PersonNm4JODIE PIERCE
IRS990/Form990PartVIISectionAGrp/PersonNm5JOSH SVEDBERG
IRS990/Form990PartVIISectionAGrp/PersonNm6JENNIFER STEDT
IRS990/Form990PartVIISectionAGrp/PersonNm7JENNIFER JUDAS
IRS990/Form990PartVIISectionAGrp/PersonNm8STEPHANIE BURCKHARDT
IRS990/Form990PartVIISectionAGrp/PersonNm9ALICIA DAHL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6165578
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7111750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8106357
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9105606
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6CEO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP BUSINESS SERVICES
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01939
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-12639
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt05971974
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/TotalAmt01352030
IRS990/InvestmentIncomeGrp/ExclusionAmt0441119
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0441119
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt05409000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06946000
IRS990/IRPDocumentCnt01500
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01818114
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04916874
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04609912
IRS990/LandBldgEquipCostOrOtherBssAmt06428026
IRS990/LegalDomicileStateCd0MN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt012639
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE ARE A CREDIT UNION. OUR MISSION IS TO PROVIDE FINANCIAL SERVICES AND FINANCIAL EDUCATION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0307057
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0312189
IRS990/NetAssetsOrFundBalancesBOYAmt09337842
IRS990/NetAssetsOrFundBalancesEOYAmt09216541
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-12639
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-12639
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0203521
IRS990/OfficeExpensesGrp/TotalAmt0205809
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0908297
IRS990/OtherAssetsTotalGrp/EOYAmt0990559
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0449255
IRS990/OtherExpensesGrp/Desc0SHARE DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICE EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0253367
IRS990/OtherExpensesGrp/TotalAmt1144985
IRS990/OtherExpensesGrp/TotalAmt2136482
IRS990/OtherExpensesGrp/TotalAmt377456
IRS990/OtherLiabilitiesGrp/BOYAmt087310463
IRS990/OtherLiabilitiesGrp/EOYAmt095601790
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0MISC OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt066877
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt066877
IRS990/OtherRevenueTotalAmt066877
IRS990/OtherSalariesAndWagesGrp/TotalAmt01748862
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt081051040
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt087783651
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0144402
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0218870
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0185460
IRS990/PrincipalOfficerNm0JENNIFER STEDT
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04719657
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1744321
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04719657
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1744321
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0625589
IRS990/PYOtherExpensesAmt02225009
IRS990/PYOtherRevenueAmt016585
IRS990/PYProgramServiceRevenueAmt04727285
IRS990/PYRevenuesLessExpensesAmt0718981
IRS990/PYSalariesCompEmpBnftPaidAmt02425469
IRS990/PYTotalExpensesAmt04650478
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05369459
IRS990/ReconcilationRevenueExpnssAmt0-121301
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09337842
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09216541
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03673864
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03493816
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03715839
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01542008
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05257847
IRS990ScheduleD/EquipmentGrp/BookValueAmt0451501
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0187365
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0638866
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0228730
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0228730
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0213842
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt088741
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0302583
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03673581
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt121255901
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt229570377
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt36070898
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt431801185
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt53229848
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5OTHER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06946000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENT IN OTHER BANKS AND CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION'S POLICY IS TO EVALUATE THE LIKELIHOOD THAT ITS UNCERTAIN TAX POSITIONS WILL PREVAIL UPON EXAMINATION BASED ON THE EXTENT TO WHICH THOSE POSITIONS HAVE SUBSTANTIAL SUPPORT WITHIN THE INTERNAL REVENUE CODE AND REGULATIONS, REVENUE RULINGS, COURT DECISIONS, AND OTHER EVIDENCE. IT IS THE OPINION OF MANAGEMENT THAT THE CREDIT UNION HAS NO SIGNIFICANT UNCERTAIN TAX POSITIONS THAT WOULD BE SUBJECT TO CHANGE UPON EXAMINIATION. THE FEDERAL INCOME TAX RETURNS OF THE CREDIT UNION ARE SUBJECT TO EXAMINATION BY THE IRS, GENERALLY FOR THREE YEARS AFTER THEY WERE FILED. ALL REQUIRED TAX FILINGS ARE UP TO DATE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04609912
IRS990ScheduleD/TotalBookValueSecuritiesAmt06946000
IRS990ScheduleD/TotalLiabilityAmt095601790
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0155204
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount010374
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013920
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt013617
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JENNIFER STEDT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0193115
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS OWNED BY ITS MEMBERS, WHO ARE CUSTOMERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN DECISIONS MADE BY THE BOARD MEMBERS ARE APPROVED BY THE MEMBERSHIP BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE PRESIDENT AND ACCOUNTING/OPERATIONS BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS DETERMINE THE CEO'S COMPENSATION BY ANALYZING COMPARABLE DATA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE AT THE CREDIT UNION.
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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt097170448
IRS990/TotalAssetsEOYAmt0105276923
IRS990/TotalAssetsGrp/BOYAmt097170448
IRS990/TotalAssetsGrp/EOYAmt0105276923
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt035
IRS990/TotalFunctionalExpensesGrp/TotalAmt06080636
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt087832606
IRS990/TotalLiabilitiesEOYAmt096060382
IRS990/TotalLiabilitiesGrp/BOYAmt087832606
IRS990/TotalLiabilitiesGrp/EOYAmt096060382
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09337842
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09216541
IRS990/TotalOtherCompensationAmt0118700
IRS990/TotalProgramServiceRevenueAmt05463978
IRS990/TotalReportableCompFromOrgAmt0489291
IRS990/TotalRevenueGrp/ExclusionAmt0441119
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05518216
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05959335
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt097170448
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0105276923
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt060955
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt024 S RIVER STREET
IRS990/USAddress/CityNm0COOK
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055723
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0HTTP://NORTHSTARCREDITUNION.ORG/
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JENNIFER STEDT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02186665940
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-23

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