Civic Intelligence

Latvian Credit Union

EIN 41-0884474 • 501(c)14 • Minneapolis, MN

Profile

State Chartered Credit Union

3152 17th Ave SouthMinneapolis, MN 55407

www.latviancu.com

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.90x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

31st percentile

13.68x

Higher debt load relative to revenue than 31% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

62nd percentile

6.5%

Higher net margin than 62% of similar nonprofits.

501(c)14 • $5M-$10M 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

82nd percentile

3.7%

Faster asset growth than 82% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

80th percentile

23%

Faster revenue growth than 80% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$5,698,725

Up $202,994 (+3.7%) from 2023

Liabilities

Up

$5,102,379

Up $178,636 (+3.6%) from 2023

Net Assets

Up

$596,346

Up $24,358 (+4.3%) from 2023

Operations
Liabilities / Revenue31st percentileNet Margin62nd percentile

Revenue

Up

$373,101

Up $69,721 (+23%) from 2023

Expenses

Up

$348,743

Up $48,334 (+16%) from 2023

Net Income

Up

$24,358

Up $21,387 (+720%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth82nd percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,002,185Liabilities 2010: $3,651,112Net Assets 2010: $351,0732010Assets 2011: $3,883,097Liabilities 2011: $3,519,248Net Assets 2011: $363,8492011Assets 2012: $4,120,595Liabilities 2012: $3,712,327Net Assets 2012: $408,2682012Assets 2013: $4,175,686Liabilities 2013: $3,717,418Net Assets 2013: $458,2682013Assets 2014: $4,712,786Liabilities 2014: $4,212,642Net Assets 2014: $500,1442014Assets 2015: $4,861,791Liabilities 2015: $4,323,126Net Assets 2015: $538,6652015Assets 2016: $4,347,128Liabilities 2016: $3,800,668Net Assets 2016: $546,4602016Assets 2017: $4,367,296Liabilities 2017: $3,814,360Net Assets 2017: $552,9362017Assets 2018: $4,798,831Liabilities 2018: $4,245,623Net Assets 2018: $553,2082018Assets 2019: $4,721,156Liabilities 2019: $4,165,114Net Assets 2019: $556,0422019Assets 2020: $5,312,038Liabilities 2020: $4,737,753Net Assets 2020: $574,2852020Assets 2021: $5,531,771Liabilities 2021: $4,964,629Net Assets 2021: $567,1422021Assets 2022: $5,281,332Liabilities 2022: $4,712,315Net Assets 2022: $569,0172022Assets 2023: $5,495,731Liabilities 2023: $4,923,743Net Assets 2023: $571,9882023Assets 2024: $5,698,725Liabilities 2024: $5,102,379Net Assets 2024: $596,3462024

Highlighted filing

2024

Assets$5,698,725
Liabilities$5,102,379
Net Assets$596,346
Open 2024 Filing

Operations Trend

Revenue Growth80th percentile

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

$400K$300K$200K$100K$0-$100KExpenses 2010: $133,2622010Expenses 2011: $236,5222011Expenses 2012: $191,2692012Revenue 2013: $275,159Expenses 2013: $225,159Net Income 2013: $50,0002013Revenue 2014: $257,739Expenses 2014: $215,863Net Income 2014: $41,8762014Revenue 2015: $282,661Expenses 2015: $244,140Net Income 2015: $38,5212015Revenue 2016: $249,236Expenses 2016: $241,441Net Income 2016: $7,7952016Revenue 2017: $224,691Expenses 2017: $218,215Net Income 2017: $6,4762017Revenue 2018: $232,984Expenses 2018: $232,712Net Income 2018: $2722018Revenue 2019: $246,028Expenses 2019: $243,194Net Income 2019: $2,8342019Revenue 2020: $281,477Expenses 2020: $263,234Net Income 2020: $18,2432020Revenue 2021: $279,130Expenses 2021: $286,273Net Income 2021: -$7,1432021Revenue 2022: $254,115Expenses 2022: $252,240Net Income 2022: $1,8752022Revenue 2023: $303,380Expenses 2023: $300,409Net Income 2023: $2,9712023Revenue 2024: $373,101Expenses 2024: $348,743Net Income 2024: $24,3582024

Highlighted filing

2024

Revenue$373,101
Expenses$348,743
Net Income$24,358
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
$5,698,725
Liabilities
$5,102,379
Net assets
$596,346
Revenue
$373,101
Expenses
$348,743
Net income
$24,358
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.70$5.10$0.60$0.37$0.35$0.02
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.50$4.92$0.57$0.30$0.30$0.00
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.28$4.71$0.57$0.25$0.25$0.00
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.53$4.96$0.57$0.28$0.29$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.31$4.74$0.57$0.28$0.26$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.72$4.17$0.56$0.25$0.24$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.80$4.25$0.55$0.23$0.23$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.37$3.81$0.55$0.22$0.22$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.35$3.80$0.55$0.25$0.24$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.86$4.32$0.54$0.28$0.24$0.04
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.71$4.21$0.50$0.26$0.22$0.04
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$4.18$3.72$0.46$0.28$0.23$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.12$3.71$0.41$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.88$3.52$0.36$0.24
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.00$3.65$0.35$0.13
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 28, 2025
Return Version
2024v5.0
Gross Receipts
$373,101
Mission and Program Overview

Mission

State chartered credit union

State-Chartered Credit Union

Balance Sheet Detail
LineBeginningEndChange
Assets
Receivable From Disqualified Prsn$4,419,176$4,648,821▲ $229,645
Savings and Temporary Cash Investments$912,198$905,217▼ $6,981
Rtn Earn Endowment Incm Other Fnds$571,988$596,346▲ $24,358
Receivables From Officers Etc$92,642$62,509▼ $30,133
Investments Program Related$60,434$61,909▲ $1,475
Cash and Non-Interest-Bearing Accounts$11,281$14,869▲ $3,588
Prepaid Expenses and Deferred Charges-$5,400-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,495,731$5,698,725▲ $202,994
Liabilities
Other Liabilities$4,889,365$5,068,011▲ $178,646
Accounts Payable and Accrued Expenses$34,378$34,368▼ $10
Total Liabilities$4,923,743$5,102,379▲ $178,636
Net Assets / Fund Balance
Total Net Assets Fund Balance$571,988$596,346▲ $24,358
Total Liabilities and Net Assets / Fund Balance$5,495,731$5,698,725▲ $202,994
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Santa KalniteCEOFT$78,922$78,922
Zinta PoneManagerPT$53,097$53,097
Vanesa PutninaSupervisory Committee-$1,400$1,400
Kristine DabrowskiSupervisory Committee-$1,140$1,140
Imants PoneSupervisory Committee-$890$890

Board Members and Trustees

NameTitle
Peter GrotansPresident of the Board of Directors
Arnold OzolsBoard Member
Eriks StrelnieksBoard member
Michael GigaBoard member
Vilnis StolcersBoard member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$334,168
Investment Income
$38,933
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$24,358
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$147,739
Other Expenses$124,086
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$0$137,529$0$137,529
Benefits to Members$76,918--$76,918
Office Expenses$0$36,551$0$36,551
Information Technology$0$31,020$0$31,020
Occupancy$0$10,786$0$10,786
Payroll Taxes$0$10,210$0$10,210
Fees for Services Accounting$0$6,000$0$6,000
Insurance$0$5,836$0$5,836
Advertising$0$5,660$0$5,660
Other Expenses$0$4,358$0$4,358
Conferences and Meetings$0$2,216$0$2,216
Total Functional Expenses$76,918$271,825$0$348,743
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 Disqualified Persons$4,419,176$4,648,821▲ $229,645
Receivables from Officers, Directors, Trustees, and Key Employees$92,642$62,509▼ $30,133
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$2,566,393
Share Certificates$1,992,112
Share Drafts$509,506
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Zinta Pone and Imants Pone are relatives; Santa Kalnite and Vanesa Putnina are relatives.”

Form 990, Part VI, Section A, Line 3

“Two employees have been delegated management duties - Santa Kalnite and Zinta Pone”

Form 990, Part VI, Section A, Line 6

“The organization has credit union members as per the state and NCUA regulations.”

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

“Members elect the Board of Directors at the annual meeting.”

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

“The compensation rate for the BOD and Committee members must be approved by the members at the annual meeting.”

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

“A copy of Form 990 will be sent to the BOD for approval.”

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

“The board's standard agenda includes a requirement for disclosing any conflicts of interest.”

Form 990, Part VI, Section C, Line 19

“Policies can be requested; monthly statements are displayed in the lobby for members.”

Filing and Contact Details

Filer

Filer Name
Latvian Credit Union
EIN
41-0884474
Phone
6127225004
Address
3152 17th Ave South, Minneapolis, MN 55407

Signing Officer

Name
Santa Kalnite
Title
CEO
Phone
6127225004
Signed
2025-04-28

Organization Details

Principal Officer
Santa Kalnite
Formed
1965
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
0
Employees
0
Volunteers
5
Raw XML AppendixShowing 400 of 447 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/BOYAmt034378
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt034368
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0State-Chartered Credit Union
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt05660
IRS990/AdvertisingGrp/ProgramServicesAmt00
IRS990/AdvertisingGrp/TotalAmt05660
IRS990/AllOtherContributionsAmt00
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt076918
IRS990/BenefitsToMembersGrp/TotalAmt076918
IRS990/BooksInCareOfDetail/PersonNm0Santa Kalnite
IRS990/BooksInCareOfDetail/PhoneNum06127225004
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03152 17th Ave South
IRS990/BooksInCareOfDetail/USAddress/CityNm0Minneapolis
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd055407
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt011281
IRS990/CashNonInterestBearingGrp/EOYAmt014869
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0137529
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0137529
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt02216
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt00
IRS990/ConferencesMeetingsGrp/TotalAmt02216
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContriRptFundraisingEventAmt00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt076918
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt038933
IRS990/CYOtherExpensesAmt0124086
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0334168
IRS990/CYRevenuesLessExpensesAmt024358
IRS990/CYSalariesCompEmpBnftPaidAmt0147739
IRS990/CYTotalExpensesAmt0348743
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0373101
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd01
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt00
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Interest Paid (dividends) to 705 member accounts.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt00
IRS990/ExpenseAmt075718
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/FederatedCampaignsAmt00
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt06000
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt00
IRS990/FeesForServicesAccountingGrp/TotalAmt06000
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt128
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0Santa Kalnite
IRS990/Form990PartVIISectionAGrp/PersonNm1Zinta Pone
IRS990/Form990PartVIISectionAGrp/PersonNm2Vanesa Putnina
IRS990/Form990PartVIISectionAGrp/PersonNm3KRISTINE DABROWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm4Imants Pone
IRS990/Form990PartVIISectionAGrp/PersonNm5Arnold Ozols
IRS990/Form990PartVIISectionAGrp/PersonNm6Peter Grotans
IRS990/Form990PartVIISectionAGrp/PersonNm7Michael Giga
IRS990/Form990PartVIISectionAGrp/PersonNm8Eriks Strelnieks
IRS990/Form990PartVIISectionAGrp/PersonNm9Vilnis Stolcers
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt078922
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt153097
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt31140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4890
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
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/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt2Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6President of the Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board member
IRS990/Form990ProvidedToGvrnBodyInd01
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingAmt00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GovernmentGrantsAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0373101
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt031020
IRS990/InformationTechnologyGrp/ProgramServicesAmt00
IRS990/InformationTechnologyGrp/TotalAmt031020
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt05836
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt05836
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt038933
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt060434
IRS990/InvestmentsProgramRelatedGrp/EOYAmt061909
IRS990/IRPDocumentCnt0131
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0MN
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingOtherInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0State Chartered Credit Union
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0571988
IRS990/NetAssetsOrFundBalancesEOYAmt0596346
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt010786
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt010786
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt036551
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt036551
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc1Annual Meeting Expense
IRS990/OtherExpensesGrp/Desc2Dues to CU organizations
IRS990/OtherExpensesGrp/Desc3Provision for Loan Loss
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt06359
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt111150
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt24150
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt34358
IRS990/OtherExpensesGrp/ProgramServicesAmt00
IRS990/OtherExpensesGrp/ProgramServicesAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt30
IRS990/OtherExpensesGrp/TotalAmt06359
IRS990/OtherExpensesGrp/TotalAmt111150
IRS990/OtherExpensesGrp/TotalAmt24150
IRS990/OtherExpensesGrp/TotalAmt34358
IRS990/OtherLiabilitiesGrp/BOYAmt04889365
IRS990/OtherLiabilitiesGrp/EOYAmt05068011
IRS990/OtherRevenueTotalAmt00
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt010210
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt010210
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05400
IRS990/PrincipalOfficerNm0Santa Kalnite
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Fee income from members
IRS990/ProgramServiceRevenueGrp/Desc2Other operating income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0315249
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118900
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt219
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0315249
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt118900
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt219
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Donations to Latvian cultural, educational, and sports organizations composed primary of members of those eligible for membership.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01200
IRS990/ProgSrvcAccomActy3Grp/Desc0N/A
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt035263
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt019423
IRS990/PYOtherExpensesAmt0122700
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0283957
IRS990/PYRevenuesLessExpensesAmt02971
IRS990/PYSalariesCompEmpBnftPaidAmt0142446
IRS990/PYTotalExpensesAmt0300409
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0303380
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt04419176
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt04648821
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt092642
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt062509
IRS990/ReconcilationRevenueExpnssAmt024358
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0571988
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0596346
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0912198
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0905217
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02566393
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1509506
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21992112
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Certificates
IRS990ScheduleD/TotalLiabilityAmt05068011
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt041064
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt121445
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt045000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt124080
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0PETERIS E GROTANS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1KRISTINE DABROWSKI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Board of Directors
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Supervisory Committee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/TotalBalanceDueAmt062509
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Zinta Pone and Imants Pone are relatives; Santa Kalnite and Vanesa Putnina are relatives.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Two employees have been delegated management duties - Santa Kalnite and Zinta Pone
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The organization has credit union members as per the state and NCUA regulations.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Members elect the Board of Directors at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The compensation rate for the BOD and Committee members must be approved by the members at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A copy of Form 990 will be sent to the BOD for approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The board's standard agenda includes a requirement for disclosing any conflicts of interest.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Policies can be requested; monthly statements are displayed in the lobby for members.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MN
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt05495731
IRS990/TotalAssetsEOYAmt05698725
IRS990/TotalAssetsGrp/BOYAmt05495731
IRS990/TotalAssetsGrp/EOYAmt05698725
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0271825
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt076918
IRS990/TotalFunctionalExpensesGrp/TotalAmt0348743
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04923743
IRS990/TotalLiabilitiesEOYAmt05102379
IRS990/TotalLiabilitiesGrp/BOYAmt04923743
IRS990/TotalLiabilitiesGrp/EOYAmt05102379
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0571988
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0596346
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00

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