Civic Intelligence

Dawson Co-Op Credit Union

EIN 41-6030714 • 501(c)14 • Dawson, MN

Profile

Our mission is to be a leader in the community, while being the primary financial institution of our members. The dawson co-op credit union offers our membership high quality, low cost services.

PO Box 1002 711 6th StDawson, MN 56232

www.dawsonco-opcu.com

Siviq Scores

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

Liabilities / Assets

8th percentile

0.81x

Higher debt load relative to assets than 8% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

52nd percentile

15.45x

Higher debt load relative to revenue than 52% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

97th percentile

33%

Higher net margin than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

29th percentile

$196,462

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

$250M-$1B nonprofits • Source year 2022

Asset Growth

86th percentile

8.1%

Faster asset growth than 86% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

59th percentile

17%

Faster revenue growth than 59% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets8th percentile

Assets

Up

$282,980,567

Up $21,254,547 (+8.1%) from 2023

Liabilities

Up

$228,593,429

Up $16,437,830 (+7.7%) from 2023

Net Assets

Up

$54,387,138

Up $4,816,717 (+9.7%) from 2023

Operations
Liabilities / Revenue52nd percentileNet Margin97th percentile

Revenue

Up

$14,799,692

Up $2,185,335 (+17%) from 2023

Expenses

Up

$9,982,975

Up $2,414,555 (+32%) from 2023

Net Income

Down

$4,816,717

Down $229,220 (-4.5%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth86th percentile

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

$300M$200M$100M$0Assets 2010: $100,617,653Liabilities 2010: $91,100,605Net Assets 2010: $9,517,0482010Assets 2011: $114,223,668Liabilities 2011: $103,109,678Net Assets 2011: $11,113,9902011Assets 2012: $122,070,125Liabilities 2012: $108,920,896Net Assets 2012: $13,149,2292012Assets 2013: $129,602,347Liabilities 2013: $114,320,347Net Assets 2013: $15,282,0002013Assets 2014: $136,038,311Liabilities 2014: $118,228,312Net Assets 2014: $17,809,9992014Assets 2015: $144,391,878Liabilities 2015: $123,948,078Net Assets 2015: $20,443,8002015Assets 2016: $153,586,928Liabilities 2016: $130,474,945Net Assets 2016: $23,111,9832016Assets 2017: $163,602,679Liabilities 2017: $137,506,096Net Assets 2017: $26,096,5832017Assets 2018: $167,259,768Liabilities 2018: $137,878,448Net Assets 2018: $29,381,3202018Assets 2019: $185,793,629Liabilities 2019: $153,243,551Net Assets 2019: $32,550,0782019Assets 2020: $214,881,428Liabilities 2020: $179,372,393Net Assets 2020: $35,509,0352020Assets 2021: $264,060,275Liabilities 2021: $223,305,482Net Assets 2021: $40,754,7932021Assets 2022: $274,484,822Liabilities 2022: $229,960,338Net Assets 2022: $44,524,4842022Assets 2023: $261,726,020Liabilities 2023: $212,155,599Net Assets 2023: $49,570,4212023Assets 2024: $282,980,567Liabilities 2024: $228,593,429Net Assets 2024: $54,387,1382024

Highlighted filing

2024

Assets$282,980,567
Liabilities$228,593,429
Net Assets$54,387,138
Open 2024 Filing

Operations Trend

Revenue Growth59th percentile

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

$15M$10M$5.0M$0Expenses 2010: $3,660,8292010Expenses 2011: $3,688,5512011Expenses 2012: $3,334,3392012Revenue 2013: $5,366,041Expenses 2013: $3,234,060Net Income 2013: $2,131,9812013Revenue 2014: $5,578,600Expenses 2014: $3,052,222Net Income 2014: $2,526,3782014Revenue 2015: $5,879,592Expenses 2015: $3,243,623Net Income 2015: $2,635,9692015Revenue 2016: $6,128,580Expenses 2016: $3,460,397Net Income 2016: $2,668,1832016Revenue 2017: $6,601,482Expenses 2017: $3,616,882Net Income 2017: $2,984,6002017Revenue 2018: $7,456,508Expenses 2018: $4,171,771Net Income 2018: $3,284,7372018Revenue 2019: $8,076,248Expenses 2019: $4,907,490Net Income 2019: $3,168,7582019Revenue 2020: $8,118,714Expenses 2020: $5,159,757Net Income 2020: $2,958,9572020Revenue 2021: $8,484,889Expenses 2021: $4,711,541Net Income 2021: $3,773,3482021Revenue 2022: $8,742,446Expenses 2022: $4,972,755Net Income 2022: $3,769,6912022Revenue 2023: $12,614,357Expenses 2023: $7,568,420Net Income 2023: $5,045,9372023Revenue 2024: $14,799,692Expenses 2024: $9,982,975Net Income 2024: $4,816,7172024

Highlighted filing

2024

Revenue$14,799,692
Expenses$9,982,975
Net Income$4,816,717
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$282,980,567
Liabilities
$228,593,429
Net assets
$54,387,138
Revenue
$14,799,692
Expenses
$9,982,975
Net income
$4,816,717
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$283$229$54.4$14.8$9.98$4.82
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$262$212$49.6$12.6$7.57$5.05
2022Detailed filing. Detailed filing data is available for this year.$274$230$44.5$8.74$4.97$3.77
2021Detailed filing. Detailed filing data is available for this year.$264$223$40.8$8.48$4.71$3.77
2020Detailed filing. Detailed filing data is available for this year.$215$179$35.5$8.12$5.16$2.96
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$186$153$32.6$8.08$4.91$3.17
2018Detailed filing. Detailed filing data is available for this year.$167$138$29.4$7.46$4.17$3.28
2017Detailed filing. Detailed filing data is available for this year.$164$138$26.1$6.60$3.62$2.98
2016Detailed filing. Detailed filing data is available for this year.$154$130$23.1$6.13$3.46$2.67
2015Detailed filing. Detailed filing data is available for this year.$144$124$20.4$5.88$3.24$2.64
2014Detailed filing. Detailed filing data is available for this year.$136$118$17.8$5.58$3.05$2.53
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$130$114$15.3$5.37$3.23$2.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$122$109$13.1$3.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$103$11.1$3.69
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$91.1$9.52$3.66
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.0
Gross Receipts
$14,803,892
Mission and Program Overview

Mission

Our mission is to be a leader in the community, while being the primary financial institution of our members. The dawson co-op credit union offers our membership high quality, low cost services.

Our mission is to be a leader in the community, while being the primary financial institution of our members. Greater community credit union offers our membership high quality, low cost services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$159,610,579$163,315,922▲ $3,705,343
Savings and Temporary Cash Investments$92,564,540$108,736,782▲ $16,172,242
Rtn Earn Endowment Incm Other Fnds$49,570,421$54,387,138▲ $4,816,717
Receivables From Officers Etc$1,981,175$2,180,443▲ $199,268
Investments Program Related$1,905,016$1,987,828▲ $82,812
Cash and Non-Interest-Bearing Accounts$1,205,973$1,416,468▲ $210,495
Land, Buildings, and Equipment, Net$751,597$645,479▼ $106,118
Prepaid Expenses and Deferred Charges$104,347$100,495▼ $3,852
Total Assets$261,726,020$282,980,567▲ $21,254,547
Other Assets Total$3,602,793$4,597,150▲ $994,357
Liabilities
Other Liabilities$211,984,952$228,382,499▲ $16,397,547
Accounts Payable and Accrued Expenses$170,647$210,930▲ $40,283
Total Liabilities$212,155,599$228,593,429▲ $16,437,830
Net Assets / Fund Balance
Total Net Assets Fund Balance$49,570,421$54,387,138▲ $4,816,717
Total Liabilities and Net Assets / Fund Balance$261,726,020$282,980,567▲ $21,254,547

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$354,310$656,026$1,010,336
Equipment$210,449$467,796$678,245
Land$80,720-$80,720
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John NevinsManagerFT$175,156$41,814$216,970
Betty AdelmanSecretary-$990-$990
Jeff MckeeverTreasurer-$960-$960
Jerry NussDirector-$920-$920
Terry AndersonDirector-$920-$920
David ZaskeChairman-$820-$820
Randy FjerkenstadV. Chairman-$620-$620

Board Members and Trustees

NameTitle
Ann JensonDirector
David DoveDirector
Shane FitznerDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Finastra USA CorporationTechnology Serv1320 SW BROADWAY SUITE 100, 1320 SW BROADWAY SUITE 100, Portland, OR 97204$416,334
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,426,472
Investment Income
$4,354,990
Other Revenue
$18,230
Change in Net Assets
$4,816,717
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,075,409
Other Expenses$1,868,816
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$6,038,750
Other Salaries and Wages---$1,385,457
Fees for Services Accounting---$884,998
Other Employee Benefits---$278,030
Current Officers, Directors, Trustees, and Key Employees---$216,970
Office Expenses---$129,829
Insurance---$125,590
Payroll Taxes---$117,747
Depreciation Depletion---$114,627
Information Technology---$97,812
Advertising---$93,834
Pension Plan Contributions---$77,205
Occupancy---$65,913
Fees for Services Legal---$34,433
Conferences and Meetings---$24,460
Travel---$11,489
Other Expenses---$8,740
Fees for Service Investment Mgmnt Fees---$2,915
All Other Expenses---$1,711
Total Functional Expenses$0$0$0$9,982,975
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 Officers, Directors, Trustees, and Key Employees$1,981,175$2,180,443▲ $199,268
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Drafts, Certificates$228,382,499
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
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization is organized with members.”

Form 990, Page 6, Part VI, Line 7A

“The organization has members that may elect one or more members of the governing board.”

Form 990, Page 6, Part VI, Line 7B

“Decisions of the governing body are subject to approval by members.”

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

“A copy of the 990 was provided to the board for review.”

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

“The organization regularly and consistently monitors and enforces compliance with the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Greater Community Credit Union
EIN
41-6030714
Phone
3207692908
Address
PO BOX 1002 711 6TH ST, DAWSON, MN 56232

Signing Officer

Name
John Nevins
Title
Manager
Phone
3207692908
Signed
2025-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Nevins
Formed
1961
Legal Domicile
Mn
Voting Board Members
9
Independent Board Members
9
Employees
30
Volunteers
13

Preparer

Firm
Dana F Cole & Company Llp
Address
590 SOUTH HIGHWAY 29 SUITE 1, MONTEVIDEO, MN 56265
Preparer
James B Knutson
Phone
3202692146
Raw XML Appendix399 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/BOYAmt0170647
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0210930
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IRS990/ActivityOrMissionDesc0OUR MISSION IS TO BE A LEADER IN THE COMMUNITY, WHILE BEING THE PRIMARY FINANCIAL INSTITUTION OF OUR MEMBERS. GREATER COMMUNITY CREDIT UNION OFFERS OUR MEMBERSHIP HIGH QUALITY, LOW COST SERVICES.
IRS990/AdvertisingGrp/TotalAmt093834
IRS990/AllOtherExpensesGrp/TotalAmt01711
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt06038750
IRS990/BooksInCareOfDetail/PersonNm0GREATER COMMUNITY CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum03207692908
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0711 6TH STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0DAWSON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd056232
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01205973
IRS990/CashNonInterestBearingGrp/EOYAmt01416468
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0216970
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt024460
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0416334
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt01320 SW BROADWAY SUITE 100
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt01320 SW BROADWAY SUITE 100
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0PORTLAND
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0OR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd097204
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FINASTRA USA CORPORATION
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt0F/K/A D&H USA CORPORATION
IRS990/ContractorCompensationGrp/ServicesDesc0TECHNOLOGY SERV
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt06038750
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt04354990
IRS990/CYOtherExpensesAmt01868816
IRS990/CYOtherRevenueAmt018230
IRS990/CYProgramServiceRevenueAmt010426472
IRS990/CYRevenuesLessExpensesAmt04816717
IRS990/CYSalariesCompEmpBnftPaidAmt02075409
IRS990/CYTotalExpensesAmt09982975
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt014799692
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0114627
IRS990/Desc0DIVIDENDS & INTEREST PAID ON MEMBERS ACCOUNTS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
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IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt030
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt0884998
IRS990/FeesForServicesLegalGrp/TotalAmt034433
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt02915
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/PersonNm1BETTY ADELMAN
IRS990/Form990PartVIISectionAGrp/PersonNm2JEFF MCKEEVER
IRS990/Form990PartVIISectionAGrp/PersonNm3TERRY ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm4JERRY NUSS
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID ZASKE
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IRS990/Form990PartVIISectionAGrp/PersonNm9ANN JENSON
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IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6V. CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt014803892
IRS990/GrossRentsGrp/RealAmt04200
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InvestmentInJointVentureInd0true
IRS990/InvestmentsProgramRelatedGrp/BOYAmt01905016
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IRS990/IRPDocumentCnt05819
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS THAT MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF THE 990 WAS PROVIDED TO THE BOARD FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
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ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-11
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ReturnHeader/ReturnTs02025-11-14T11:29:08-05:00
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ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
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