Liabilities / Assets
33rd percentile
Higher debt load relative to assets than 33% of similar nonprofits.
Sharepoint Credit Union
990 • Fiscal year 2015 • EIN 41-6024250
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.88x
Liabilities / Revenue
59th percentile
Higher debt load relative to revenue than 59% of similar nonprofits.
Net Margin
65th percentile
Higher net margin than 65% of similar nonprofits.
Top Officer Pay
80th percentile
Higher top officer pay than 80% of similar nonprofits.
Top officer pay equals 3.2% of source-year revenue.
Asset Growth
45th percentile
Faster asset growth than 45% of similar nonprofits.
Revenue Growth
24th percentile
Faster revenue growth than 24% of similar nonprofits.
Balance Sheet
Assets
Up$190,783,274
Up $7,953,716 (+4.4%) from 2014
Net Assets
Up$22,754,178
Up $802,795 (+3.7%) from 2014
Liabilities
Up$168,029,096
Up $7,150,921 (+4.4%) from 2014
Revenue And Expenses
Revenue
Down$8,707,606
Down $4,285 (-0.0%) from 2014
Expenses
Down$7,535,472
Down $161,799 (-2.1%) from 2014
Net Income
Up$1,172,134
Up $157,514 (+16%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Oct 25, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $14,815,218
Mission and Program Overview
Mission
The credit union's mission is to offer competitive loan and deposit products to our membership to create lifelong financial relationships.
The credit union's mission is to offer competitive deposit and loan products to our membership to create lifelong financial relationships.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $124,270,037 | $130,677,717 | ▲ $6,407,680 |
| Investments in Publicly Traded Securities | $40,481,835 | $40,747,037 | ▲ $265,202 |
| Rtn Earn Endowment Incm Other Fnds | $21,951,383 | $22,754,178 | ▲ $802,795 |
| Savings and Temporary Cash Investments | $8,388,000 | $7,998,000 | ▼ $390,000 |
| Cash and Non-Interest-Bearing Accounts | $1,685,359 | $1,698,207 | ▲ $12,848 |
| Land, Buildings, and Equipment, Net | $378,537 | $1,413,806 | ▲ $1,035,269 |
| Accounts Receivable | - | $939,960 | - |
| Investments Program Related | $333,000 | $333,000 | → $0 |
| Prepaid Expenses and Deferred Charges | $151,579 | $153,583 | ▲ $2,004 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $182,829,558 | $190,783,274 | ▲ $7,953,716 |
| Other Assets Total | $7,141,211 | $6,821,964 | ▼ $319,247 |
| Liabilities | |||
| Other Liabilities | $159,115,969 | $166,185,556 | ▲ $7,069,587 |
| Accounts Payable and Accrued Expenses | $1,762,206 | $1,843,540 | ▲ $81,334 |
| Total Liabilities | $160,878,175 | $168,029,096 | ▲ $7,150,921 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $21,951,383 | $22,754,178 | ▲ $802,795 |
| Total Liabilities and Net Assets / Fund Balance | $182,829,558 | $190,783,274 | ▲ $7,953,716 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $183,526 | $2,167,158 | $2,350,684 |
| Land | $834,446 | - | $834,446 |
| Buildings | $395,330 | $428,964 | $824,294 |
| Leasehold Improvements | $504 | $35,410 | $35,914 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Phillip Kopischke | CEO | FT | $194,100 | $81,092 | $275,192 |
| Julie Tanner | CFO | FT | $125,827 | $23,020 | $148,847 |
| Todd Sanders | Director of Credit & Compl | FT | $116,197 | $15,000 | $131,197 |
| Joe Schmidt | Board Chair | - | $6,352 | - | $6,352 |
| Curt Rittenbach | Secretary | - | $5,193 | - | $5,193 |
| Joseph Budnick | Director | - | $5,036 | - | $5,036 |
| Mike Pan | Director | - | $4,845 | - | $4,845 |
| Gary Hawley | Director | - | $4,733 | - | $4,733 |
| Nicholas Nelson | Vice Chair | - | $4,523 | - | $4,523 |
| Alan Pederson | Director | - | $4,478 | - | $4,478 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $7,919,955
- Investment Income
- $777,627
- Other Revenue
- $10,024
- Change in Net Assets
- $1,172,134
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,616,467 |
| Salaries, Compensation, and Employee Benefits | $3,145,432 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $2,047,462 |
| Fees for Services Other | - | - | - | $1,215,659 |
| Benefits to Members | - | - | - | $773,573 |
| Other Employee Benefits | - | - | - | $525,859 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $459,199 |
| Occupancy | - | - | - | $409,417 |
| Office Expenses | - | - | - | $296,026 |
| Depreciation Depletion | - | - | - | $132,692 |
| Other Expenses | - | - | - | $113,870 |
| Payroll Taxes | - | - | - | $112,912 |
| Fees for Services Legal | - | - | - | $48,725 |
| All Other Expenses | - | - | - | $35,556 |
| Travel | - | - | - | $34,974 |
| Fees for Services Accounting | - | - | - | $24,000 |
| Insurance | - | - | - | $6,215 |
| Total Functional Expenses | $0 | $0 | $0 | $7,535,472 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Interested-Person Transactions
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Curt Rittenbach | Curt Rittenbach Is on the Board of Directors of Sharepoint Credit Union | CURT RITTENBACH'S DAUGHTER IS AN EMPLOYEE OF SHAREPOINT CREDIT UNION. | No | $39,402 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $44,543,544 |
| Money Market Shares | $44,243,769 |
| Share Certificates | $36,215,121 |
| Share Drafts | $21,480,793 |
| Ira Accounts | $19,625,989 |
| Other Shares | $76,340 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- Business relationship with family members
- Yes
- 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
- No
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 2
“Alan pederson and nicholas nelson - family relationship”
Form 990, Part VI, Section A, Line 6
“The credit union is comprised of a single class of approximately 18,000 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meetings, with the exception of the member-owners who are elected to the board of directors.”
Form 990, Part VI, Section A, Line 7A
“The member-owners of the credit union have the authority to elect the members of the board of directors for three-year terms on a rotating basis. Candidates are elected by a simple plurality vote. The board of directors appoint volunteers to serve on the supervisory committee, which is vested with monitoring safety and soundship of the organization. If deemed appropriate, the supervisory committee can suspend board members and can call a special meeting of the membership to evaluate the issue and vote to either dismiss or reinstate the board member.”
Form 990, Part VI, Section A, Line 7B
“Changes to the governing documents (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.”
Form 990, Part VI, Section B, Line 11
“The accounting staff prepares the necessary documents for the completion of the 990. Prior to being filed with the irs, a member of senior management reviews the return for accuracy.”
Form 990, Part VI, Section B, Line 15
“The ceo's compensation is determined by the executive committee of the board. They use comparable industry data produced by cuna to determine the pay range. Performance is documented on an annual review form completed by all board directors. Other key officers are reviewed on an annual basis by the ceo. Pay ranges are determined by industry salary surveys.”
Form 990, Part VI, Section C, Line 19
“Financial statements are posted in the credit union's lobbies. Other documents are available upon request.”
Filing and Contact Details
Filer
- Filer Name
- Sharepoint Credit Union
- EIN
- 41-6024250
- Phone
- 9529300700
- Address
- 5300 HYLAND GREENS DRIVE, BLOOMINGTON, MN 55437
Signing Officer
- Name
- Julie a Tanner
- Title
- CFO
- Phone
- 9529300700
- Signed
- 2016-10-25
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Phillip Kopischke
- Formed
- 1933
- Legal Domicile
- Mn
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 62
- Volunteers
- 10
Preparer
- Firm
- Cliftonlarsonallen Llp
- Address
- PO BOX 217, AUSTIN, MN 55912
- Preparer
- Sherri Wessels
- Phone
- 5074347000
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 11G
“Bank service charges 16,985. Internet, bill pay, mobile, home banking 52,857. Website 37,065. Computer maintenance 88,738. Professional services 399,172. Exam fees 11,556. Atm expnses 333,813. Data center expense 275,473.”
FORM 990, PART XII, LINE 2B:
“Audited financial statements - the audit was done as of 3/31. Therefore, the reporting period for the audit does not match the reporting period for the 990.”
Form 990, Part XII, Line 2C
“This process has not changed from the prior year.”
Financial Statement Notes
PART X, LINE 2:
“As allowed by state regulatory authorities, the audit is done as of march 31. The reporting period for the audit, therefore, does not match the reporting period for the 990. Per footnote 1 in the credit union's march 31, 2016 financial statements, the credit union is exempt, under irc 501 (c) (14), from federal and state income taxes. Certain products and services provided by select state chartered credit unions have been deemed by the internal revenue service (irs), in technical advice memorandums (tams) released in 2007, to be unrelated to the specific entity's exempt purpose. As presented in the technical advice memorandums, the net taxable income from these products and services would be subject to income taxes. Credit unions have litigated against the irs positions noted in the tams and have been successful in having courts declare in 2009 and 2010 that revenue from insurance products sold to members, helping them protect their financial wellbeing, qualifies as exempt purpose income, contrary to the irs position in the tams. The credit union has filed tax returns for calendar year 2014 for activities it has deemed taxable and has a net operating loss carryforward as of the 2014 calendar year. The taxing authorities have the ability to assess taxes, penalties and interest for any years for which no tax return was filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the credit union's exempt purpose is not expected to have a material effect on the credit union's financial position or results of operations. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of march 31, 2016. The credit union's 2012 through 2014 tax years are open for examination by federal and state taxing authorities.”
Raw XML AppendixShowing 400 of 430 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 |
|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 1762206 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1843540 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 939960 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | THE CREDIT UNION'S MISSION IS TO OFFER COMPETITIVE DEPOSIT AND LOAN PRODUCTS TO OUR MEMBERSHIP TO CREATE LIFELONG FINANCIAL RELATIONSHIPS. |
| IRS990/AddressChangeInd | 0 | X |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 35556 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 773573 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | JULIE TANNER |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9529300700 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 5300 HYLAND GREENS DRIVE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | BLOOMINGTON |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 55437 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 1 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1685359 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1698207 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 459199 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 0 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 773573 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 777627 |
| IRS990/CYOtherExpensesAmt | 0 | 3616467 |
| IRS990/CYOtherRevenueAmt | 0 | 10024 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 7919955 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1172134 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 3145432 |
| IRS990/CYTotalExpensesAmt | 0 | 7535472 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 8707606 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 132692 |
| IRS990/Desc | 0 | DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 32,590 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 18,850 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 62 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 1 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 24000 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 48725 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 1215659 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
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| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | 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 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 23020 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 15000 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JOE SCHMIDT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | GARY HAWLEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | CURT RITTENBACH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | NICHOLAS NELSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | MIKE PAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ALAN PEDERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | PHILLIP KOPISCHKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JULIE TANNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | TODD SANDERS |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR OF CREDIT & COMPL |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1933 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
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| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 25287 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 110096 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 5994267 |
| IRS990/GrossReceiptsAmt | 0 | 14815218 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
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| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 780876 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 780876 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 333000 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 333000 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 40481835 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 40747037 |
| IRS990/IRPDocumentCnt | 0 | 7535 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 2631532 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 378537 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1413806 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 4045338 |
| IRS990/LegalDomicileStateCd | 0 | MN |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 138632 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 5968980 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE CREDIT UNION'S MISSION IS TO OFFER COMPETITIVE LOAN AND DEPOSIT PRODUCTS TO OUR MEMBERSHIP TO CREATE LIFELONG FINANCIAL RELATIONSHIPS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 21951383 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 22754178 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | -3249 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -3249 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -559 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -369339 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 409417 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 296026 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 7141211 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6821964 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 525859 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | EDUCATIONAL AND PROMOTI |
| IRS990/OtherExpensesGrp/Desc | 2 | MISC. EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 788253 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 315882 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 195198 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 113870 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 159115969 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 166185556 |
| IRS990/OtherOrganizationDsc | 0 | CU |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER NON-OPERATING INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 10024 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 10024 |
| IRS990/OtherRevenueTotalAmt | 0 | 10024 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2047462 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 124270037 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 130677717 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 112912 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 151579 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 153583 |
| IRS990/PrincipalOfficerNm | 0 | PHILLIP KOPISCHKE |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5602091 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1633995 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 677578 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 5602091 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1633995 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 683869 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 6291 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDING SAVINGS DEPOSIT SERVICES, ORGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS VIA HOME BANKING, ATM NETWORKS AND IN PERSON AT THE CREDIT UNION OFFICES. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 987075 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 859598 |
| IRS990/PYOtherExpensesAmt | 0 | 3645371 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 7852293 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1014620 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3064825 |
| IRS990/PYTotalExpensesAmt | 0 | 7697271 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 8711891 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1172134 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 21951383 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 22754178 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 8388000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 7998000 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 395330 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 428964 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 824294 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 183526 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2167158 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2350684 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 834446 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 834446 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 504 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 35410 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 35914 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 21480793 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 44543544 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 44243769 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 36215121 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 19625989 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 76340 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MONEY MARKET SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | IRA ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | OTHER SHARES |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | AS ALLOWED BY STATE REGULATORY AUTHORITIES, THE AUDIT IS DONE AS OF MARCH 31. THE REPORTING PERIOD FOR THE AUDIT, THEREFORE, DOES NOT MATCH THE REPORTING PERIOD FOR THE 990. PER FOOTNOTE 1 IN THE CREDIT UNION'S MARCH 31, 2016 FINANCIAL STATEMENTS, THE CREDIT UNION IS EXEMPT, UNDER IRC 501 (C) (14), FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. THE CREDIT UNION HAS FILED TAX RETURNS FOR CALENDAR YEAR 2014 FOR ACTIVITIES IT HAS DEEMED TAXABLE AND HAS A NET OPERATING LOSS CARRYFORWARD AS OF THE 2014 CALENDAR YEAR. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF MARCH 31, 2016. THE CREDIT UNION'S 2012 THROUGH 2014 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1413806 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 166185556 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 194100 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 50465 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 5627 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 25000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | PHILLIP KOPISCHKE |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 275192 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | THE CEO'S COMPENSATION IS DETERMINED BY THE EXECUTIVE COMMITTEE OF THE BOARD. THEY USE COMPARABLE INDUSTRY DATA PRODUCED BY CUNA TO DETERMINE THE PAY RANGE. PERFORMANCE IS DOCUMENTED ON AN ANNUAL REVIEW FORM COMPLETED BY ALL BOARD DIRECTORS. |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 1 | PHILLIP KOPISCHKE - PARTICIPATED IN NON-QUALIFIED 457F PLAN - NO PAYOUT IN 2015 JULIE TANNER - PARTICIPATED IN NON-QUALIFIED 457F PLAN - NO PAYOUT IN 2015 |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 3 |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART I, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 0 | CURT RITTENBACH |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 0 | CURT RITTENBACH IS ON THE BOARD OF DIRECTORS OF SHAREPOINT CREDIT UNION |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt | 0 | 39402 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 0 | CURT RITTENBACH'S DAUGHTER IS AN EMPLOYEE OF SHAREPOINT CREDIT UNION. |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | ALAN PEDERSON AND NICHOLAS NELSON - FAMILY RELATIONSHIP |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 18,000 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF THE MEMBER-OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. THE BOARD OF DIRECTORS APPOINT VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE, WHICH IS VESTED WITH MONITORING SAFETY AND SOUNDSHIP OF THE ORGANIZATION. IF DEEMED APPROPRIATE, THE SUPERVISORY COMMITTEE CAN SUSPEND BOARD MEMBERS AND CAN CALL A SPECIAL MEETING OF THE MEMBERSHIP TO EVALUATE THE ISSUE AND VOTE TO EITHER DISMISS OR REINSTATE THE BOARD MEMBER. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | CHANGES TO THE GOVERNING DOCUMENTS (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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE ACCOUNTING STAFF PREPARES THE NECESSARY DOCUMENTS FOR THE COMPLETION OF THE 990. PRIOR TO BEING FILED WITH THE IRS, A MEMBER OF SENIOR MANAGEMENT REVIEWS THE RETURN FOR ACCURACY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CEO'S COMPENSATION IS DETERMINED BY THE EXECUTIVE COMMITTEE OF THE BOARD. THEY USE COMPARABLE INDUSTRY DATA PRODUCED BY CUNA TO DETERMINE THE PAY RANGE. PERFORMANCE IS DOCUMENTED ON AN ANNUAL REVIEW FORM COMPLETED BY ALL BOARD DIRECTORS. OTHER KEY OFFICERS ARE REVIEWED ON AN ANNUAL BASIS BY THE CEO. PAY RANGES ARE DETERMINED BY INDUSTRY SALARY SURVEYS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S LOBBIES. OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | BANK SERVICE CHARGES 16,985. INTERNET, BILL PAY, MOBILE, HOME BANKING 52,857. WEBSITE 37,065. COMPUTER MAINTENANCE 88,738. PROFESSIONAL SERVICES 399,172. EXAM FEES 11,556. ATM EXPNSES 333,813. DATA CENTER EXPENSE 275,473. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | AUDITED FINANCIAL STATEMENTS - THE AUDIT WAS DONE AS OF 3/31. THEREFORE, THE REPORTING PERIOD FOR THE AUDIT DOES NOT MATCH THE REPORTING PERIOD FOR THE 990. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, 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 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART IX, LINE 11G |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XII, LINE 2B: |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART XII, LINE 2C |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 182829558 |
| IRS990/TotalAssetsEOYAmt | 0 | 190783274 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 182829558 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 190783274 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 62 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 7535472 |
| IRS990/TotalGrossUBIAmt | 0 | 6291 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 160878175 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 168029096 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 160878175 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 168029096 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 21951383 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 22754178 |
| IRS990/TotalOtherCompensationAmt | 0 | 68647 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 7919955 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 521749 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 777627 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7923688 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 8707606 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 6291 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 182829558 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 190783274 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 34974 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 5300 HYLAND GREENS DRIVE |
| IRS990/USAddress/CityNm | 0 | BLOOMINGTON |
| IRS990/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990/USAddress/ZIPCd | 0 | 55437 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $190,783,274
- Liabilities
- $168,029,096
- Net assets
- $22,754,178
- Revenue
- $8,707,606
- Expenses
- $7,535,472
- Net income
- $1,172,134