Civic Intelligence

Northcountry Cooperative Foundation

EIN 41-1953515 • 501(c)3 • Saint Paul, MN

Profile

Ncf's mission is to "transform lives and communities through cooperative enterprise." we carry out this mission by providing technical assistance and cooperative education to cooperative organizations. From our inception, we have been innovative and entrepreneurial, seeking out creative, socially organized approaches to challenging problems.

2610 University Ave W Ste 150Saint Paul, MN 55114

northcountryfoundation.org

Siviq Scores

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

Liabilities / Assets

86th percentile

0.75x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

90th percentile

2.60x

Higher debt load relative to revenue than 90% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

89th percentile

51%

Higher net margin than 89% of similar nonprofits.

501(c)3 • $10M-$25M 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

99th percentile

272%

Faster asset growth than 99% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

86th percentile

46%

Faster revenue growth than 86% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Assets

Up

$11,912,748

Up $8,712,452 (+272%) from 2023

Liabilities

Up

$8,981,706

Up $6,961,466 (+345%) from 2023

Net Assets

Up

$2,931,042

Up $1,750,986 (+148%) from 2023

Revenue

Up

$3,460,291

Up $1,083,495 (+46%) from 2023

Expenses

Down

$1,709,305

Down $736 (-0.0%) from 2023

Net Income

Up

$1,750,986

Up $1,084,231 (+163%) from 2023

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2010: $2,088,286Liabilities 2010: $1,635,049Net Assets 2010: $453,2372010Assets 2011: $2,026,945Liabilities 2011: $1,559,020Net Assets 2011: $467,9252011Assets 2012: $1,616,147Liabilities 2012: $1,021,375Net Assets 2012: $594,7722012Assets 2013: $1,363,138Liabilities 2013: $821,827Net Assets 2013: $541,3112013Assets 2014: $1,095,220Liabilities 2014: $373,490Net Assets 2014: $721,7302014Assets 2015: $846,053Liabilities 2015: $151,759Net Assets 2015: $694,2942015Assets 2016: $758,744Liabilities 2016: $47,811Net Assets 2016: $710,9332016Assets 2017: $858,941Liabilities 2017: $237,530Net Assets 2017: $621,4112017Assets 2018: $684,507Liabilities 2018: $191,449Net Assets 2018: $493,0582018Assets 2019: $291,814Liabilities 2019: $134,755Net Assets 2019: $157,0592019Assets 2020: $331,031Liabilities 2020: $229,472Net Assets 2020: $101,5592020Assets 2021: $470,437Liabilities 2021: $150,039Net Assets 2021: $320,3982021Assets 2022: $661,561Liabilities 2022: $148,260Net Assets 2022: $513,3012022Assets 2023: $3,200,296Liabilities 2023: $2,020,240Net Assets 2023: $1,180,0562023Assets 2024: $11,912,748Liabilities 2024: $8,981,706Net Assets 2024: $2,931,0422024

Highlighted filing

2024

Assets$11,912,748
Liabilities$8,981,706
Net Assets$2,931,042

Operations Trend

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $411,7902010Expenses 2011: $433,9282011Expenses 2012: $531,6932012Revenue 2013: $573,095Expenses 2013: $626,556Net Income 2013: -$53,4612013Revenue 2014: $926,484Expenses 2014: $746,065Net Income 2014: $180,4192014Revenue 2015: $743,724Expenses 2015: $771,160Net Income 2015: -$27,4362015Revenue 2016: $799,049Expenses 2016: $782,410Net Income 2016: $16,6392016Revenue 2017: $785,940Expenses 2017: $875,462Net Income 2017: -$89,5222017Revenue 2018: $602,409Expenses 2018: $730,762Net Income 2018: -$128,3532018Revenue 2019: $348,329Expenses 2019: $684,328Net Income 2019: -$335,9992019Revenue 2020: $470,690Expenses 2020: $526,190Net Income 2020: -$55,5002020Revenue 2021: $885,377Expenses 2021: $666,538Net Income 2021: $218,8392021Revenue 2022: $1,296,885Expenses 2022: $1,103,982Net Income 2022: $192,9032022Revenue 2023: $2,376,796Expenses 2023: $1,710,041Net Income 2023: $666,7552023Revenue 2024: $3,460,291Expenses 2024: $1,709,305Net Income 2024: $1,750,9862024

Highlighted filing

2024

Revenue$3,460,291
Expenses$1,709,305
Net Income$1,750,986

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$11.9$8.98$2.93$3.46$1.71$1.75
2023Detailed filing. Detailed filing data is available for this year.$3.20$2.02$1.18$2.38$1.71$0.67
2022Detailed filing. Detailed filing data is available for this year.$0.66$0.15$0.51$1.30$1.10$0.19
2021Detailed filing. Detailed filing data is available for this year.$0.47$0.15$0.32$0.89$0.67$0.22
2020Detailed filing. Detailed filing data is available for this year.$0.33$0.23$0.10$0.47$0.53$0.06
2019Detailed filing. Detailed filing data is available for this year.$0.29$0.13$0.16$0.35$0.68$0.34
2018Detailed filing. Detailed filing data is available for this year.$0.68$0.19$0.49$0.60$0.73$0.13
2017Detailed filing. Detailed filing data is available for this year.$0.86$0.24$0.62$0.79$0.88$0.09
2016Detailed filing. Detailed filing data is available for this year.$0.76$0.05$0.71$0.80$0.78$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.85$0.15$0.69$0.74$0.77$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.10$0.37$0.72$0.93$0.75$0.18
2013Detailed filing. Detailed filing data is available for this year.$1.36$0.82$0.54$0.57$0.63$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.62$1.02$0.59$0.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.03$1.56$0.47$0.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.09$1.64$0.45$0.41
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 19, 2025
Return Version
2024v5.0
Gross Receipts
$3,460,291
Mission and Program Overview

Mission

The foundation provides educational and technical assistance to various cooperative organizations. The foundation helps develop affordable housing and provides assistance to low-income, low-wealth and underserved communities. This assistance helps develop community-owned and democratically governed enterprises through training, research, education, development, assistance and specially designed projects. The foundation conducted research and provided technical assistance to various community- based economic development initiatives. The foundation also organized and conducted training institutes for various cooperative enterprises, including low-income housing, worker and food coops. In addition, the foundation worked with community groups to build and preserve affordable cooperative housing, both in an urban and rural setting; conducted research and analysis in support of same.

Ncf's mission is to "transform lives and communities through cooperative enterprise." we carry out this mission by providing technical assistance and cooperative education to cooperative organizations. From our inception, we have been innovative and entrepreneurial, seeking out creative, socially organized approaches to challenging problems.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$2,706,298$9,687,623▲ $6,981,325
Accounts Receivable$229,951$653,942▲ $423,991
Prepaid Expenses and Deferred Charges$71,592$87,489▲ $15,897
Total Assets$3,200,296$11,912,748▲ $8,712,452
Other Assets Total$192,455$1,483,694▲ $1,291,239
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,791,346$4,536,355▲ $2,745,009
Deferred Revenue-$4,017,169-
Other Liabilities$182,697$266,493▲ $83,796
Accounts Payable and Accrued Expenses$46,197$161,689▲ $115,492
Total Liabilities$2,020,240$8,981,706▲ $6,961,466
Net Assets / Fund Balance
Net Assets With Donor Restrictions$71,706$1,589,159▲ $1,517,453
Net Assets Without Donor Restrictions$1,108,350$1,341,883▲ $233,533
Total Net Assets Fund Balance$1,180,056$2,931,042▲ $1,750,986
Total Liabilities and Net Assets / Fund Balance$3,200,296$11,912,748▲ $8,712,452

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$139,694--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Victoria Clark-westExecutive DiFT$136,817$4,105$140,922
Emily StewartAssociate DiFT$105,455$3,164$108,619
David BerglundDirector Real EstFT$104,017$3,120$107,137

Board Members and Trustees

NameTitle
Sarah BerkeCLF Chair
Noah HobbsNcf Chair
Bobbie GrubbVice Chair
Benjy NicholieDirector
Juan Luis Rivera-reyesDirector
Mar ValdecantosDirector
Trisha PresleySecretary
Brian DahlkTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,941,940
Program Service Revenue
$483,037
Investment Income
$35,314
Other Revenue
$0
All Other Contributions
$2,710,507
Change in Net Assets
$1,750,986

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,460,291
Total Revenue per Audited Statements
$3,460,291
Total Revenue per Form 990
$3,460,291
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,100,667
Other Expenses$608,638
Total Fundraising Expense$82,521
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$648,092$107,673$53,932$809,697
Current Officers, Directors, Trustees, and Key Employees$109,510$18,194$9,113$136,817
Fees for Services Other$98,547$37,202$239$135,988
Payroll Taxes$62,959$10,460$5,239$78,658
Other Employee Benefits$60,425$10,040$5,030$75,495
Fees for Services Accounting$52,526$7,509$1,318$61,353
Occupancy$42,535$6,238$3,214$51,987
Fees for Services Lobbying$40,000--$40,000
Interest$38,000--$38,000
Other Expenses$25,441$2,256$2,513$30,210
Fees for Services Legal$986$17,149-$18,135
Travel$15,017$67$30$15,114
Insurance$7,558$1,108$571$9,237
Office Expenses$7,202$1,161$786$9,149
Total Functional Expenses$1,400,571$226,213$82,521$1,709,305

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,709,305
Total Expenses per Audited Statements$1,709,305
Total Expenses per Form 990$1,709,305
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
Lobbying activity
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$139,694
Borrower Escrow & Interest Reserve$126,799
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

The board of directors reviewed and accepted information contained in the form 990.

Form 990, Page 6, Part VI, Line 12C

The executive director and the board of directors review and monitor all possible issues related to conflict of interest.

Form 990, Page 6, Part VI, Line 15A

The organization uses salary comparison data of similar service and sized organizations to establish salary rates for staff. The amounts are reviewed and approved by a group of board members for the executive director and wages are approved as part of the annual budget process.

Form 990, Page 6, Part VI, Line 19

The governing documents are made available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Northcountry Cooperative Foundation
EIN
41-1953515
Phone
6127672116
Address
2610 UNIVERSITY AVE W STE 150, SAINT PAUL, MN 55114

Signing Officer

Name
Victoria Clark-west
Title
Executive Director
Phone
6127672135
Signed
2025-06-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Victoria Clark-west
Formed
1999
Legal Domicile
Mn
Voting Board Members
12
Independent Board Members
11
Employees
15
Volunteers
11

Preparer

Firm
Lewis Kisch & Associates Ltd
Address
1125 SOUTH FRONTAGE ROAD SUITE 1, HASTINGS, MN 55033-2489
Preparer
Thomas a Madsen
Phone
6514373356
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

Ncf's mission is to "transform lives and communities through cooperative enterprise." we carry out this mission by providing technical assistance and cooperative education to cooperative organizations. From our inception, we have been innovative and entrepreneurial, seeking out creative, socially organized approaches to challenging problems.

Form 990, Page 2, Part III, Line 4A

Northcountry cooperative foundation (ncf) is a non-profit 501(c)(3) organization working to transform lives and communities through cooperative enterprise for residents of manufactured housing communities. Ncf supports low-income and underserved communities through the development of affordable housing cooperatives by providing education, technical assistance, programs, and services to residents of the communities they serve. The organization currently supports 16 manufactured home cooperatives, and continues to develop new cooperatives each year. Ncf is one of eleven certified technical assistance providers (ctaps) under the national roc usa network providing tailored technical assistance, training and education, and peer-to-peer engagement opportunities for the cooperatives we work with across minnesota and wisconsin. This work is a community-rooted and systemically transformative approach to preserving affordable housing that gives homeowners the power and stability that comes with cooperative ownership and control of the land under their homes. Ncf also advocates for legislation and legislative funding that advances co-op ownership and supports manufactured homebuyers and cooperatives. We also work directly with our manufactured housing cooperative communities to secure state grants for critical improvement projects in their community. To further our mission and expand access to cooperative financing, we also established a lending subsidiary, cooperative loan fund llc (clf), in 2023. This subsidiary offers loans and other financing for cooperatives with a focus on serving low-income, low-wealth, and historically marginalized communities.

Financial Statement Notes

Schedule D, Page 3, Part X

Management has evaluated for uncertain tax positions and has determined there are no uncertain tax positions as of december 31, 2024. Tax returns for the past three years remain open for examination by tax jurisdictions.

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IRS990/Desc0NORTHCOUNTRY COOPERATIVE FOUNDATION (NCF) IS A NON-PROFIT 501(C)(3) ORGANIZATION WORKING TO TRANSFORM LIVES AND COMMUNITIES THROUGH COOPERATIVE ENTERPRISE FOR RESIDENTS OF MANUFACTURED HOUSING COMMUNITIES. NCF SUPPORTS LOW-INCOME AND UNDERSERVED COMMUNITIES THROUGH THE DEVELOPMENT OF AFFORDABLE HOUSING COOPERATIVES BY PROVIDING EDUCATION, TECHNICAL ASSISTANCE, PROGRAMS, AND SERVICES TO RESIDENTS OF THE COMMUNITIES THEY SERVE. THE ORGANIZATION CURRENTLY SUPPORTS 16 MANUFACTURED HOME COOPERATIVES, AND CONTINUES TO DEVELOP NEW COOPERATIVES EACH YEAR. NCF IS ONE OF ELEVEN CERTIFIED TECHNICAL ASSISTANCE PROVIDERS (CTAPS) UNDER THE NATIONAL ROC USA NETWORK PROVIDING TAILORED TECHNICAL ASSISTANCE, TRAINING AND EDUCATION, AND PEER-TO-PEER ENGAGEMENT OPPORTUNITIES FOR THE COOPERATIVES WE WORK WITH ACROSS MINNESOTA AND WISCONSIN. THIS WORK IS A COMMUNITY-ROOTED AND SYSTEMICALLY TRANSFORMATIVE APPROACH TO PRESERVING AFFORDABLE HOUSING THAT GIVES HOMEOWNERS THE POWER AND STABILITY THAT COMES WITH COOPERATIVE OWNERSHIP AND CONTROL OF THE LAND UNDER THEIR HOMES. NCF ALSO ADVOCATES FOR LEGISLATION AND LEGISLATIVE FUNDING THAT ADVANCES CO-OP OWNERSHIP AND SUPPORTS MANUFACTURED HOMEBUYERS AND COOPERATIVES. WE ALSO WORK DIRECTLY WITH OUR MANUFACTURED HOUSING COOPERATIVE COMMUNITIES TO SECURE STATE GRANTS FOR CRITICAL IMPROVEMENT PROJECTS IN THEIR COMMUNITY. TO FURTHER OUR MISSION AND EXPAND ACCESS TO COOPERATIVE FINANCING, WE ALSO ESTABLISHED A LENDING SUBSIDIARY, COOPERATIVE LOAN FUND LLC (CLF), IN 2023. THIS SUBSIDIARY OFFERS LOANS AND OTHER FINANCING FOR COOPERATIVES WITH A FOCUS ON SERVING LOW-INCOME, LOW-WEALTH, AND HISTORICALLY MARGINALIZED COMMUNITIES.
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IRS990/MissionDesc0NCF'S MISSION IS TO "TRANSFORM LIVES AND COMMUNITIES THROUGH COOPERATIVE ENTERPRISE." WE CARRY OUT THIS MISSION BY PROVIDING TECHNICAL ASSISTANCE AND COOPERATIVE EDUCATION TO COOPERATIVE ORGANIZATIONS. FROM OUR INCEPTION, WE HAVE BEEN INNOVATIVE AND ENTREPRENEURIAL, SEEKING OUT CREATIVE, SOCIALLY ORGANIZED APPROACHES TO CHALLENGING PROBLEMS.
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IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS CONTRACTED FOR LOBBYING ACTIVITIES TO BE PERFORMED IN AN EFFORT TO FURTHER THE OGRANIZATION'S MISSION.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE C, PART II-B, LINE 1
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MANAGEMENT HAS EVALUATED FOR UNCERTAIN TAX POSITIONS AND HAS DETERMINED THERE ARE NO UNCERTAIN TAX POSITIONS AS OF DECEMBER 31, 2024. TAX RETURNS FOR THE PAST THREE YEARS REMAIN OPEN FOR EXAMINATION BY TAX JURISDICTIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NCF'S MISSION IS TO "TRANSFORM LIVES AND COMMUNITIES THROUGH COOPERATIVE ENTERPRISE." WE CARRY OUT THIS MISSION BY PROVIDING TECHNICAL ASSISTANCE AND COOPERATIVE EDUCATION TO COOPERATIVE ORGANIZATIONS. FROM OUR INCEPTION, WE HAVE BEEN INNOVATIVE AND ENTREPRENEURIAL, SEEKING OUT CREATIVE, SOCIALLY ORGANIZED APPROACHES TO CHALLENGING PROBLEMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NORTHCOUNTRY COOPERATIVE FOUNDATION (NCF) IS A NON-PROFIT 501(C)(3) ORGANIZATION WORKING TO TRANSFORM LIVES AND COMMUNITIES THROUGH COOPERATIVE ENTERPRISE FOR RESIDENTS OF MANUFACTURED HOUSING COMMUNITIES. NCF SUPPORTS LOW-INCOME AND UNDERSERVED COMMUNITIES THROUGH THE DEVELOPMENT OF AFFORDABLE HOUSING COOPERATIVES BY PROVIDING EDUCATION, TECHNICAL ASSISTANCE, PROGRAMS, AND SERVICES TO RESIDENTS OF THE COMMUNITIES THEY SERVE. THE ORGANIZATION CURRENTLY SUPPORTS 16 MANUFACTURED HOME COOPERATIVES, AND CONTINUES TO DEVELOP NEW COOPERATIVES EACH YEAR. NCF IS ONE OF ELEVEN CERTIFIED TECHNICAL ASSISTANCE PROVIDERS (CTAPS) UNDER THE NATIONAL ROC USA NETWORK PROVIDING TAILORED TECHNICAL ASSISTANCE, TRAINING AND EDUCATION, AND PEER-TO-PEER ENGAGEMENT OPPORTUNITIES FOR THE COOPERATIVES WE WORK WITH ACROSS MINNESOTA AND WISCONSIN. THIS WORK IS A COMMUNITY-ROOTED AND SYSTEMICALLY TRANSFORMATIVE APPROACH TO PRESERVING AFFORDABLE HOUSING THAT GIVES HOMEOWNERS THE POWER AND STABILITY THAT COMES WITH COOPERATIVE OWNERSHIP AND CONTROL OF THE LAND UNDER THEIR HOMES. NCF ALSO ADVOCATES FOR LEGISLATION AND LEGISLATIVE FUNDING THAT ADVANCES CO-OP OWNERSHIP AND SUPPORTS MANUFACTURED HOMEBUYERS AND COOPERATIVES. WE ALSO WORK DIRECTLY WITH OUR MANUFACTURED HOUSING COOPERATIVE COMMUNITIES TO SECURE STATE GRANTS FOR CRITICAL IMPROVEMENT PROJECTS IN THEIR COMMUNITY. TO FURTHER OUR MISSION AND EXPAND ACCESS TO COOPERATIVE FINANCING, WE ALSO ESTABLISHED A LENDING SUBSIDIARY, COOPERATIVE LOAN FUND LLC (CLF), IN 2023. THIS SUBSIDIARY OFFERS LOANS AND OTHER FINANCING FOR COOPERATIVES WITH A FOCUS ON SERVING LOW-INCOME, LOW-WEALTH, AND HISTORICALLY MARGINALIZED COMMUNITIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS REVIEWED AND ACCEPTED INFORMATION CONTAINED IN THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE EXECUTIVE DIRECTOR AND THE BOARD OF DIRECTORS REVIEW AND MONITOR ALL POSSIBLE ISSUES RELATED TO CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION USES SALARY COMPARISON DATA OF SIMILAR SERVICE AND SIZED ORGANIZATIONS TO ESTABLISH SALARY RATES FOR STAFF. THE AMOUNTS ARE REVIEWED AND APPROVED BY A GROUP OF BOARD MEMBERS FOR THE EXECUTIVE DIRECTOR AND WAGES ARE APPROVED AS PART OF THE ANNUAL BUDGET PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine1Txt0NCF
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine1Txt1NCF
IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine1Txt0VIKING LAKES
IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine1Txt1COOPERATIVE LOAN FUND

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