Civic Intelligence

West Financial Credit Union

EIN 41-0830860 • 501(c)14 • Medina, MN

View Organization Page

Profile

Member owned financial cooperative that provides financial services to meet the needs of the individual member for their benefit, not ours.

3575 Sioux DriveMedina, MN 55340

www.westfinancialcu.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2018

Liabilities / Revenue

96th percentile

0.00x

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

501(c)14 • <$500k nonprofits • Source year 2018

Net Margin

49th percentile

-72%

Higher net margin than 49% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2018

Top Officer Pay

73rd percentile

$47,582

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 11.9% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2018

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

24th percentile

-76%

Faster revenue growth than 24% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $28,828,659 (-100%) from 2017

Liabilities

Down

$0

Down $26,031,066 (-100%) from 2017

Net Assets

Down

$0

Down $2,797,593 (-100%) from 2017

Operations
Liabilities / Revenue96th percentileNet Margin49th percentile

Revenue

Down

$401,219

Down $1,263,875 (-76%) from 2017

Expenses

Down

$690,894

Down $791,903 (-53%) from 2017

Net Income

Down

-$289,675

Down $471,972 (-259%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$30M$20M$10M$0Assets 2010: $20,726,066Liabilities 2010: $19,014,703Net Assets 2010: $1,711,3632010Assets 2011: $21,164,188Liabilities 2011: $19,490,613Net Assets 2011: $1,673,5752011Assets 2012: $23,155,189Liabilities 2012: $21,370,300Net Assets 2012: $1,784,8892012Assets 2013: $22,749,629Liabilities 2013: $20,767,173Net Assets 2013: $1,982,4562013Assets 2014: $24,637,614Liabilities 2014: $22,373,620Net Assets 2014: $2,263,9942014Assets 2015: $24,796,889Liabilities 2015: $22,306,123Net Assets 2015: $2,490,7662015Assets 2016: $27,426,490Liabilities 2016: $24,764,159Net Assets 2016: $2,662,3312016Assets 2017: $28,828,659Liabilities 2017: $26,031,066Net Assets 2017: $2,797,5932017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2018

Assets$0
Liabilities$0
Net Assets$0
Open 2018 Filing

Operations Trend

Revenue Growth24th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,419,2672010Revenue 2011: $1,358,094Expenses 2011: $1,395,882Net Income 2011: -$37,7882011Expenses 2012: $1,250,4622012Revenue 2013: $1,467,297Expenses 2013: $1,269,730Net Income 2013: $197,5672013Revenue 2014: $1,596,538Expenses 2014: $1,315,000Net Income 2014: $281,5382014Revenue 2015: $1,628,195Expenses 2015: $1,401,423Net Income 2015: $226,7722015Revenue 2016: $1,666,186Expenses 2016: $1,494,621Net Income 2016: $171,5652016Revenue 2017: $1,665,094Expenses 2017: $1,482,797Net Income 2017: $182,2972017Revenue 2018: $401,219Expenses 2018: $690,894Net Income 2018: -$289,6752018

Highlighted filing

2018

Revenue$401,219
Expenses$690,894
Net Income-$289,675
Open 2018 Filing

Filings

Most recent year

2018 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$401,219
Expenses
$690,894
Net income
-$289,675
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.40$0.69$0.29
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.8$26.0$2.80$1.67$1.48$0.18
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.4$24.8$2.66$1.67$1.49$0.17
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.8$22.3$2.49$1.63$1.40$0.23
2014Detailed filing. Detailed filing data is available for this year.$24.6$22.4$2.26$1.60$1.32$0.28
2013Detailed filing. Detailed filing data is available for this year.$22.7$20.8$1.98$1.47$1.27$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.2$21.4$1.78$1.25
2011Summary only. Only limited summary data is available for this year.$21.2$19.5$1.67$1.36$1.40$0.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.7$19.0$1.71$1.42
Latest Detailed Filing

The latest 2018 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2014 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 23, 2015
Return Version
2014v5.0
Gross Receipts
$1,596,538
Mission and Program Overview

Mission

Member owned financial cooperative that provides financial services to meet the needs of the individual member for their benefit, not ours.

Member owned financial cooperative that provides financial services to meet the needs of the individual member for their benefit not ours.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$16,504,204$20,686,326▲ $4,182,122
Savings and Temporary Cash Investments$5,079,198$2,775,639▼ $2,303,559
Rtn Earn Endowment Incm Other Fnds$1,982,456$2,263,994▲ $281,538
Cash and Non-Interest-Bearing Accounts$336,569$361,905▲ $25,336
Land, Buildings, and Equipment, Net$310,457$285,370▼ $25,087
Prepaid Expenses and Deferred Charges$88,806$89,662▲ $856
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$22,749,629$24,637,614▲ $1,887,985
Other Assets Total$430,395$438,712▲ $8,317
Liabilities
Other Liabilities$20,695,083$22,307,816▲ $1,612,733
Accounts Payable and Accrued Expenses$72,090$65,804▼ $6,286
Total Liabilities$20,767,173$22,373,620▲ $1,606,447
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,982,456$2,263,994▲ $281,538
Total Liabilities and Net Assets / Fund Balance$22,749,629$24,637,614▲ $1,887,985

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$285,370$376,951$662,321
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Renee SchuylerCEOFT$112,882$7,102$119,984

Board Members and Trustees

NameTitle
Gregg LaingBoard Chair
Dave ShaferBoard of Director
Luke RileyBoard of Director
Patrick MiddletonBoard of Director
Steve ByrnesBoard of Director
Jim DomholtSecretary
Verne PalmbergTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,565,837
Investment Income
$30,701
Other Revenue
$0
Change in Net Assets
$281,538
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$741,054
Salaries, Compensation, and Employee Benefits$542,992
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$343,563
Office Expenses---$253,318
Occupancy---$224,209
Current Officers, Directors, Trustees, and Key Employees---$119,984
Depreciation Depletion---$50,730
Payroll Taxes---$37,696
Other Expenses---$36,557
Other Employee Benefits---$36,013
Benefits to Members---$30,954
Conferences and Meetings---$9,305
All Other Expenses---$8,777
Pension Plan Contributions---$5,736
Total Functional Expenses$0$0$0$1,315,000
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 Deposits$21,315,816
Non Member Deposits$992,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
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

“All account holders are shareholders”

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

“The members elect the board of directors at the annual meeting.”

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

“The credit union's by-laws require membership approval on specific decisions.”

Form 990, Part VI, Section B, Line 11

“The form 990 is reviewed by the ceo before it is filed.”

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

“All credit union policies are reviewed annually for compliance.”

Form 990, Part VI, Section B, Line 15

“Key employees are paid based on same industry salary surveys, experience, and education.”

Form 990, Part VI, Section C, Line 19

“They are posted at the credit union offices and are also presented at the annual meeting of the membership.”

Filing and Contact Details

Filer

Filer Name
West Financial Credit Union
EIN
41-0830860
Phone
7632356017
Address
3575 SIOUX DRIVE, MEDINA, MN 55340

Signing Officer

Name
Renee Schuyler
Title
CEO
Phone
7632356017
Signed
2015-04-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Renee Schuyler
Formed
1958
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
7
Employees
15
Volunteers
10

Preparer

Firm
Cliftonlarsonallen Llp
Address
PO BOX 217, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Raw XML Appendix336 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/BOYAmt072090
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt065804
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0MEMBER OWNED FINANCIAL COOPERATIVE THAT PROVIDES FINANCIAL SERVICES TO MEET THE NEEDS OF THE INDIVIDUAL MEMBER FOR THEIR BENEFIT NOT OURS.
IRS990/AllOtherExpensesGrp/TotalAmt08777
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt030954
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0RENEE SCHUYLER
IRS990/BooksInCareOfDetail/PhoneNum07632356017
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03575 SIOUX DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0MEDINA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd055340
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0336569
IRS990/CashNonInterestBearingGrp/EOYAmt0361905
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0119984
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt09305
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt030954
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt030701
IRS990/CYOtherExpensesAmt0741054
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01565837
IRS990/CYRevenuesLessExpensesAmt0281538
IRS990/CYSalariesCompEmpBnftPaidAmt0542992
IRS990/CYTotalExpensesAmt01315000
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01596538
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt050730
IRS990/Desc0DIVIDENDS PAID TO APPROXIMATELY 3,400 MEMBERS ON APPROXIMATELY 5,324 ACCOUNTS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt015
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt750.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt77102
IRS990/Form990PartVIISectionAGrp/PersonNm0PATRICK MIDDLETON
IRS990/Form990PartVIISectionAGrp/PersonNm1GREGG LAING
IRS990/Form990PartVIISectionAGrp/PersonNm2JIM DOMHOLT
IRS990/Form990PartVIISectionAGrp/PersonNm3VERNE PALMBERG
IRS990/Form990PartVIISectionAGrp/PersonNm4STEVE BYRNES
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVE SHAFER
IRS990/Form990PartVIISectionAGrp/PersonNm6LUKE RILEY
IRS990/Form990PartVIISectionAGrp/PersonNm7RENEE SCHUYLER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7112882
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/TitleTxt0BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01958
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01596538
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt030701
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt030701
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0353
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0376951
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0310457
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0285370
IRS990/LandBldgEquipCostOrOtherBssAmt0662321
IRS990/LegalDomicileStateCd0MN
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0MEMBER OWNED FINANCIAL COOPERATIVE THAT PROVIDES FINANCIAL SERVICES TO MEET THE NEEDS OF THE INDIVIDUAL MEMBER FOR THEIR BENEFIT, NOT OURS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01982456
IRS990/NetAssetsOrFundBalancesEOYAmt02263994
IRS990/NetUnrelatedBusTxblIncmAmt0-7801
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0224209
IRS990/OfficeExpensesGrp/TotalAmt0253318
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0430395
IRS990/OtherAssetsTotalGrp/EOYAmt0438712
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt036013
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROFESSIONAL & OUTSIDE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3EDUCATIONAL & PROMOTION
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IRS990/OtherExpensesGrp/TotalAmt143431
IRS990/OtherExpensesGrp/TotalAmt241928
IRS990/OtherExpensesGrp/TotalAmt336557
IRS990/OtherLiabilitiesGrp/BOYAmt020695083
IRS990/OtherLiabilitiesGrp/EOYAmt022307816
IRS990/OtherOrganizationDsc0CU
IRS990/OtherSalariesAndWagesGrp/TotalAmt0343563
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt016504204
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt020686326
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt037696
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt05736
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt088806
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt089662
IRS990/PrincipalOfficerNm0RENEE SCHUYLER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1243216
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2119118
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01199403
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1243216
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2123218
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt04100
IRS990/ProgSrvcAccomActy2Grp/Desc0ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS AND PROVIDING FINANCIAL COUNSELING TO MEMBERS IN NEED.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDING ACCESS TO MEMBERS' ACCOUNTS VIA HOME BANKING, ATM NETWORKS, AND IN PERSON AT CREDIT UNION BRANCHES.
IRS990/ProhibitedTaxShelterTransInd00
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IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt061160
IRS990/PYOtherExpensesAmt0703844
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01406137
IRS990/PYRevenuesLessExpensesAmt0197567
IRS990/PYSalariesCompEmpBnftPaidAmt0521689
IRS990/PYTotalExpensesAmt01269730
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01467297
IRS990/ReconcilationRevenueExpnssAmt0281538
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01982456
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02263994
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05079198
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02775639
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0285370
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0376951
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0662321
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt021315816
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1992000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON MEMBER DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0285370
IRS990ScheduleD/TotalLiabilityAmt022307816
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL ACCOUNT HOLDERS ARE SHAREHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION'S BY-LAWS REQUIRE MEMBERSHIP APPROVAL ON SPECIFIC DECISIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE CEO BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL CREDIT UNION POLICIES ARE REVIEWED ANNUALLY FOR COMPLIANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5KEY EMPLOYEES ARE PAID BASED ON SAME INDUSTRY SALARY SURVEYS, EXPERIENCE, AND EDUCATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THEY ARE POSTED AT THE CREDIT UNION OFFICES AND ARE ALSO PRESENTED AT THE ANNUAL MEETING OF THE MEMBERSHIP.
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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt022749629
IRS990/TotalAssetsEOYAmt024637614
IRS990/TotalAssetsGrp/BOYAmt022749629
IRS990/TotalAssetsGrp/EOYAmt024637614
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/TotalAmt01315000
IRS990/TotalGrossUBIAmt04100
IRS990/TotalLiabilitiesBOYAmt020767173
IRS990/TotalLiabilitiesEOYAmt022373620
IRS990/TotalLiabilitiesGrp/BOYAmt020767173
IRS990/TotalLiabilitiesGrp/EOYAmt022373620
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01982456
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02263994
IRS990/TotalOtherCompensationAmt07102
IRS990/TotalProgramServiceRevenueAmt01565837
IRS990/TotalReportableCompFromOrgAmt0112882
IRS990/TotalRevenueGrp/ExclusionAmt030701
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01561737
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01596538
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04100
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022749629
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt024637614
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05350 SUNSET LANE
IRS990/USAddress/CityNm0LORETTO
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055357
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.WESTFINANCIALCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RENEE SCHUYLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07632356017
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WEST FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WEST
ReturnHeader/Filer/EIN0410830860
ReturnHeader/Filer/PhoneNum07632356017
ReturnHeader/Filer/USAddress/AddressLine1Txt03575 SIOUX DRIVE
ReturnHeader/Filer/USAddress/CityNm0MEDINA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055340
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0410746749
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 217
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0AUSTIN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd055912
ReturnHeader/PreparerPersonGrp/PhoneNum05074347000
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TANYA MEDGAARDEN
ReturnHeader/ReturnTs02015-05-05T11:17:55-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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