Liabilities / Assets
27th percentile
Higher debt load relative to assets than 27% of similar nonprofits.
990 • Fiscal year 2015 • EIN 41-0874898
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
27th percentile
Higher debt load relative to assets than 27% of similar nonprofits.
Liabilities / Revenue
55th percentile
Higher debt load relative to revenue than 55% of similar nonprofits.
Net Margin
69th percentile
Higher net margin than 69% of similar nonprofits.
Top Officer Pay
56th percentile
Higher top officer pay than 56% of similar nonprofits.
Top officer pay equals 15.2% of source-year revenue.
Asset Growth
75th percentile
Faster asset growth than 75% of similar nonprofits.
Revenue Growth
58th percentile
Faster revenue growth than 58% of similar nonprofits.
Assets
Up$9,036,568
Up $457,870 (+5.3%) from 2014
Net Assets
Up$1,728,231
Up $32,842 (+1.9%) from 2014
Liabilities
Up$7,308,337
Up $425,028 (+6.2%) from 2014
Revenue
Up$358,360
Up $3,089 (+0.9%) from 2014
Expenses
Up$325,508
Up $43,305 (+15%) from 2014
Net Income
Down$32,852
Down $40,216 (-55%) from 2014
Provide savings, loans and other financial services to members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members as "owners."
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $5,525,144 | $5,498,363 | ▼ $26,781 |
| Investments Other Securities | $2,237,008 | $2,316,008 | ▲ $79,000 |
| Rtn Earn Endowment Incm Other Fnds | $1,695,389 | $1,728,231 | ▲ $32,842 |
| Investments Program Related | $326,600 | $821,955 | ▲ $495,355 |
| Savings and Temporary Cash Investments | $337,903 | $236,052 | ▼ $101,851 |
| Cash and Non-Interest-Bearing Accounts | $19,276 | $21,341 | ▲ $2,065 |
| Prepaid Expenses and Deferred Charges | $20,885 | $18,131 | ▼ $2,754 |
| Land, Buildings, and Equipment, Net | $13,668 | $17,111 | ▲ $3,443 |
| Receivables From Officers Etc | $0 | $0 | → $0 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $8,578,698 | $9,036,568 | ▲ $457,870 |
| Other Assets Total | $98,214 | $107,607 | ▲ $9,393 |
| Liabilities | |||
| Other Liabilities | $6,865,772 | $7,291,260 | ▲ $425,488 |
| Accounts Payable and Accrued Expenses | $17,537 | $17,077 | ▼ $460 |
| Total Liabilities | $6,883,309 | $7,308,337 | ▲ $425,028 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,695,389 | $1,728,231 | ▲ $32,842 |
| Total Liabilities and Net Assets / Fund Balance | $8,578,698 | $9,036,568 | ▲ $457,870 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $17,111 | $14,408 | $31,519 |
| Investment Program Related Org | $59,719 | - | - |
| Buildings | $0 | $0 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $0 | - | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $100,000 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jennifer Tiedman | President | PT | $51,870 | $2,594 | $54,464 |
| Name | Title |
|---|---|
| Gary Martinez | Chairperson |
| Doug Krech | Vice-Chairperson |
| Kevin Hoeschen | Director |
| Deborah Spiess | Secretary |
| Quinton Vorhies | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $174,387 |
| Salaries, Compensation, and Employee Benefits | $132,291 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $65,924 |
| Other Salaries and Wages | - | - | - | $61,622 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $55,781 |
| Information Technology | - | - | - | $27,380 |
| Occupancy | - | - | - | $19,697 |
| Benefits to Members | - | - | - | $18,830 |
| Insurance | - | - | - | $10,254 |
| Payroll Taxes | - | - | - | $8,968 |
| Depreciation Depletion | - | - | - | $8,421 |
| Advertising | - | - | - | $8,338 |
| Conferences and Meetings | - | - | - | $8,091 |
| Pension Plan Contributions | - | - | - | $3,881 |
| Other Expenses | - | - | - | $3,011 |
| Other Employee Benefits | - | - | - | $2,039 |
| Travel | - | - | - | $1,064 |
| Total Functional Expenses | $0 | $0 | $0 | $325,508 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Liability | Amount |
|---|---|
| Regular Shares | $5,998,001 |
| Term Share Certificates | $995,777 |
| Share Drafts | $297,482 |
“Comprised of USW Union members and their immediate family members of approximately 1183 member owners, each having equal rights in ownership. The credit union has one class of members.”
“Current member owners of FIRST PACE Credit Union are each allowed one vote to elect the members of the Board of Directors.”
“Changes to the Bylaws must be approved by the member owners, after they have been approved by the Board of Directors and the regulatory agency. Approval occurs when at least 50% of the member owners vote to approve when a quorum is met.”
“Form 990 is reviewed by the Supervisory Committee.”
“The Presidents salary is based on comparable sized credit unions through use of CUNA's Annual Compensation Survey results. The process is done by the Salary Review Committee, made up of the Board of Directors and was approved at their meeting November 19, 2015.”
“Financial statements are posted in the lobby or they can be reviewed by appointment at the credit union office.”
“Implemented Mobile Banking with Remote Deposit Capture to help our members monitor their accounts anytime, anywhere and provide a way to deposit funds outside our normal banking hours.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 17537 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 17077 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Provide savings, loans and other financial services to members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members as "owners." |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 8338 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 18830 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | FIRST PACE Credit Union |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6514518495 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 161 Marie Avenue East |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | West St Paul |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 55118 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 19276 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 21341 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 55781 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 8091 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 0 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 18830 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 40940 |
| IRS990/CYOtherExpensesAmt | 0 | 174387 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 317420 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 32852 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 132291 |
| IRS990/CYTotalExpensesAmt | 0 | 325508 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 358360 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 8421 |
| IRS990/Desc | 0 | Multiple products offered to help the member, with reasonable terms and competitive rates. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 3 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 33 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 2594 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Gary Martinez |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Doug Krech |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Deborah Spiess |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Quinton Vorhies |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Kevin Hoeschen |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Jennifer Tiedman |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 51870 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice-Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | President |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1963 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 358360 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 27380 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 10254 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 40940 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 40940 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 2237008 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 2316008 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 326600 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 821955 |
| IRS990/IRPDocumentCnt | 0 | 274 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 14408 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 13668 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 17111 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 31519 |
| IRS990/LegalDomicileStateCd | 0 | MN |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingOtherInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | Provide savings, loans and other financial services to members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members as "owners." |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1695389 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1728231 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -5888 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -10 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 19697 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 65924 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 98214 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 107607 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 2039 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 1 | Dues |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 22207 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 3011 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 6865772 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 7291260 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 61622 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 5525144 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 5498363 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 8968 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 3881 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 20885 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 18131 |
| IRS990/PrincipalOfficerNm | 0 | Jennifer Tiedman |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Other Income (Interchange) |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | misc. income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 3 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 280833 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 14382 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 11054 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 9003 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 280833 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 14382 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 11054 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 11151 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 3 | 2148 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Free checking accounts with a free VISA Debit Card to help members become financially responsible. Also free online banking, mobile banking, electronic bill pay and online statements to empower the member with tools for good money management. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Competitive dividends paid on approximately 1370 share savings accounts, money market accounts, club accounts and term share certificates, to help our 1183 members save for the future. Free online and mobile banking and online statements for the members to help monitor their finances. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 23130 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 39204 |
| IRS990/PYOtherExpensesAmt | 0 | 134434 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 316067 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 73068 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 124639 |
| IRS990/PYTotalExpensesAmt | 0 | 282203 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 355271 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 32852 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1695389 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1728231 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 337903 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 236052 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 17111 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 14408 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 31519 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 762236 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 59719 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | Deposits in Corporate Credit Unions |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | Capital at Corporate Credit Unions |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 5998001 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 297482 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 995777 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Regular Shares |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Share Drafts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | Term Share Certificates |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 2008 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 2214000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 100000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Securities - AFS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | Securities-Held to Maturity |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | U.S. Gov't bond |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 17111 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 821955 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 2316008 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 7291260 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Implemented Mobile Banking with Remote Deposit Capture to help our members monitor their accounts anytime, anywhere and provide a way to deposit funds outside our normal banking hours. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Comprised of USW Union members and their immediate family members of approximately 1183 member owners, each having equal rights in ownership. The credit union has one class of members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Current member owners of FIRST PACE Credit Union are each allowed one vote to elect the members of the Board of Directors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Changes to the Bylaws must be approved by the member owners, after they have been approved by the Board of Directors and the regulatory agency. Approval occurs when at least 50% of the member owners vote to approve when a quorum is met. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Form 990 is reviewed by the Supervisory Committee. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The Presidents salary is based on comparable sized credit unions through use of CUNA's Annual Compensation Survey results. The process is done by the Salary Review Committee, made up of the Board of Directors and was approved at their meeting November 19, 2015. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Financial statements are posted in the lobby or they can be reviewed by appointment at the credit union office. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part III, Line 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 1 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 8578698 |
| IRS990/TotalAssetsEOYAmt | 0 | 9036568 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 8578698 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 9036568 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 3 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 325508 |
| IRS990/TotalGrossUBIAmt | 0 | 2148 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 6883309 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 7308337 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 6883309 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 7308337 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1695389 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1728231 |
| IRS990/TotalOtherCompensationAmt | 0 | 2594 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 317420 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 51870 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 40940 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 315272 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 358360 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 2148 |
| IRS990/TotalVolunteersCnt | 0 | 8 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 8578698 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 9036568 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 1064 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 161 Marie Ave E |
| IRS990/USAddress/CityNm | 0 | West ST Paul |
| IRS990/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990/USAddress/ZIPCd | 0 | 55118 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 5 |
| IRS990/VotingMembersIndependentCnt | 0 | 5 |
| IRS990/WebsiteAddressTxt | 0 | www.firstpacecu.com |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Jennifer Tiedman |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | President |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6514518495 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-04-26 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | FIRST PACE Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | FIRS |
| ReturnHeader/Filer/EIN | 0 | 410874898 |
| ReturnHeader/Filer/PhoneNum | 0 | 6514518495 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 161 Marie Avenue East |
| ReturnHeader/Filer/USAddress/CityNm | 0 | West St Paul |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MN |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 55118 |
| ReturnHeader/ReturnTs | 0 | 2016-04-26T15:24:31-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.