Civic Intelligence

Premier Credit Union

EIN 42-0127275 • 501(c)14 • Des Moines, IA

Profile

State chartered credit union

800 9th StreetDes Moines, IA 50309-1202

www.premiercu.org

Siviq Scores

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

Liabilities / Assets

70th percentile

0.91x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Liabilities / Revenue

55th percentile

15.27x

Higher debt load relative to revenue than 55% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Net Margin

50th percentile

8.9%

Higher net margin than 50% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Top Officer Pay

21st percentile

$318,629

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Asset Growth

92nd percentile

11%

Faster asset growth than 92% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Revenue Growth

49th percentile

13%

Faster revenue growth than 49% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Assets

Up

$338,698,349

Up $35,916,243 (+12%) from 2023

Liabilities

Up

$308,520,947

Up $31,346,099 (+11%) from 2023

Net Assets

Up

$30,177,402

Up $4,570,144 (+18%) from 2023

Revenue

Up

$19,860,602

Up $3,505,077 (+21%) from 2023

Expenses

Up

$18,256,588

Up $2,975,624 (+19%) from 2023

Net Income

Up

$1,604,014

Up $529,453 (+49%) from 2023

Trend Graphs

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2010: $95,234,080Liabilities 2010: $87,197,649Net Assets 2010: $8,036,4312010Assets 2011: $97,110,175Liabilities 2011: $88,915,014Net Assets 2011: $8,195,1612011Assets 2012: $101,886,656Liabilities 2012: $92,985,016Net Assets 2012: $8,901,6402012Assets 2013: $110,278,938Liabilities 2013: $100,599,661Net Assets 2013: $9,679,2772013Assets 2014: $123,485,685Liabilities 2014: $112,465,880Net Assets 2014: $11,019,8052014Assets 2015: $142,817,180Liabilities 2015: $130,049,934Net Assets 2015: $12,767,2462015Assets 2016: $171,053,681Liabilities 2016: $156,282,651Net Assets 2016: $14,771,0302016Assets 2017: $185,911,694Liabilities 2017: $169,385,374Net Assets 2017: $16,526,3202017Assets 2018: $196,578,672Liabilities 2018: $178,748,413Net Assets 2018: $17,830,2592018Assets 2019: $208,301,902Liabilities 2019: $189,443,767Net Assets 2019: $18,858,1352019Assets 2020: $257,857,430Liabilities 2020: $237,543,444Net Assets 2020: $20,313,9862020Assets 2021: $265,180,790Liabilities 2021: $243,018,709Net Assets 2021: $22,162,0812021Assets 2022: $287,063,539Liabilities 2022: $262,652,095Net Assets 2022: $24,411,4442022Assets 2023: $302,782,106Liabilities 2023: $277,174,848Net Assets 2023: $25,607,2582023Assets 2024: $338,698,349Liabilities 2024: $308,520,947Net Assets 2024: $30,177,4022024

Highlighted filing

2024

Assets$338,698,349
Liabilities$308,520,947
Net Assets$30,177,402

Operations Trend

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

$20M$15M$10M$5.0M$0Expenses 2010: $5,105,1302010Expenses 2011: $5,352,3612011Expenses 2012: $5,089,2722012Revenue 2013: $5,837,166Expenses 2013: $5,059,529Net Income 2013: $777,6372013Revenue 2014: $6,223,960Expenses 2014: $4,885,157Net Income 2014: $1,338,8032014Revenue 2015: $7,109,436Expenses 2015: $5,360,360Net Income 2015: $1,749,0762015Revenue 2016: $8,084,960Expenses 2016: $6,081,086Net Income 2016: $2,003,8742016Revenue 2017: $9,136,052Expenses 2017: $7,380,762Net Income 2017: $1,755,2902017Revenue 2018: $9,815,537Expenses 2018: $8,511,598Net Income 2018: $1,303,9392018Revenue 2019: $10,751,986Expenses 2019: $9,724,110Net Income 2019: $1,027,8762019Revenue 2020: $11,097,567Expenses 2020: $9,641,716Net Income 2020: $1,455,8512020Revenue 2021: $11,141,334Expenses 2021: $9,293,239Net Income 2021: $1,848,0952021Revenue 2022: $12,588,447Expenses 2022: $10,104,713Net Income 2022: $2,483,7342022Revenue 2023: $16,355,525Expenses 2023: $15,280,964Net Income 2023: $1,074,5612023Revenue 2024: $19,860,602Expenses 2024: $18,256,588Net Income 2024: $1,604,0142024

Highlighted filing

2024

Revenue$19,860,602
Expenses$18,256,588
Net Income$1,604,014

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$339$309$30.2$19.9$18.3$1.60
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$303$277$25.6$16.4$15.3$1.07
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$287$263$24.4$12.6$10.1$2.48
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$265$243$22.2$11.1$9.29$1.85
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$258$238$20.3$11.1$9.64$1.46
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$208$189$18.9$10.8$9.72$1.03
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$197$179$17.8$9.82$8.51$1.30
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$186$169$16.5$9.14$7.38$1.76
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$171$156$14.8$8.08$6.08$2.00
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$143$130$12.8$7.11$5.36$1.75
2014Detailed filing. Detailed filing data is available for this year.$123$112$11.0$6.22$4.89$1.34
2013Detailed filing. Detailed filing data is available for this year.$110$101$9.68$5.84$5.06$0.78
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$102$93.0$8.90$5.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.1$88.9$8.20$5.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.2$87.2$8.04$5.11
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2021 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 3, 2022
Return Version
2021v4.0
Gross Receipts
$11,141,334
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$190,336,042$219,245,397▲ $28,909,355
Savings and Temporary Cash Investments$43,973,147$30,985,577▼ $12,987,570
Rtn Earn Endowment Incm Other Fnds$14,467,894$15,654,484▲ $1,186,590
Pd in Cap Srpls Land Bldg Eqp Fund$5,846,092$6,507,597▲ $661,505
Land, Buildings, and Equipment, Net$5,276,968$5,136,576▼ $140,392
Accounts Receivable$14,536,855$4,740,539▼ $9,796,316
Investments in Publicly Traded Securities$480,495$1,666,807▲ $1,186,312
Cash and Non-Interest-Bearing Accounts$736,938$657,731▼ $79,207
Prepaid Expenses and Deferred Charges$147,358$137,589▼ $9,769
Total Assets$257,857,430$265,180,790▲ $7,323,360
Other Assets Total$2,369,627$2,610,574▲ $240,947
Liabilities
Other Liabilities$225,719,651$236,722,194▲ $11,002,543
Mortgage Notes Payable Secured by Investment Property$8,620,000$3,500,000▼ $5,120,000
Accounts Payable and Accrued Expenses$3,203,793$2,796,515▼ $407,278
Total Liabilities$237,543,444$243,018,709▲ $5,475,265
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,313,986$22,162,081▲ $1,848,095
Total Liabilities and Net Assets / Fund Balance$257,857,430$265,180,790▲ $7,323,360

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,811,630$1,663,649$6,475,279
Equipment$324,946$1,623,418$1,948,364
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brook HermannMortgage LoaFT-$656,428$656,428
Mark PiperMortgage LoaFT-$537,905$537,905
Sheila StrandMortgage LoaFT-$336,110$336,110
Blaik WoellhofMortgage LoaFT-$262,483$262,483
Brook HermannMortgage Loan Office-$220,445$7,966$228,411
Mark PiperMortgage Loan Office-$157,979$6,319$164,298

Board Members and Trustees

NameTitle
Andy YoungBoard Member
Betsy JepsenBoard Member
Brooke AvilaBoard Member
Cody CumesBoard Member
Cynde UrnessBoard Member
Dan KleinBoard Member
Darin ZahnBoard Member
Mary WardBoard Member
Randy BachmanBoard Member
Ron VernonBoard Member
Todd MendenhallBoard Member
Steve FlammCEO
Sam RizzutiCFO
Brian GoetzingerCOO
Jill Greene MathewExec VP
Blaik WoellhofMortgage Loan Office
Sheila StrandMortgage Loan Office
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,353,732
Investment Income
$787,602
Other Revenue
$0
Change in Net Assets
$1,848,095

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,141,334
Total Revenue per Audited Statements
$11,141,334
Total Revenue per Form 990
$11,141,334
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,130,830
Salaries, Compensation, and Employee Benefits$3,162,409
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,968,600
All Other Expenses---$1,094,540
Current Officers, Directors, Trustees, and Key Employees---$641,273
Office Expenses---$434,106
Other Expenses---$417,600
Occupancy---$369,606
Other Employee Benefits---$286,819
Depreciation Depletion---$197,179
Payroll Taxes---$189,647
Advertising---$174,000
Pension Plan Contributions---$76,070
Insurance---$54,600
Interest---$38,390
Conferences and Meetings---$31,708
Fees for Services Accounting---$25,400
Fees for Services Legal---$14,441
Total Functional Expenses$0$0$0$9,293,239

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,293,239
Total Expenses per Audited Statements$9,293,239
Total Expenses per Form 990$9,293,239
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$236,722,194
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

All depositors are considered members.

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

The credit union members elect on an annual basis the members of the board of directors.

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

Any proposed mergers must be approved by a majority of the membership.

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

No review was or will be conducted.

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

The security matrix on the data processing system prohibits employees and directors from initiating transactions on all accounts listed on their conflict of interest disclosure statement, which is updated annually.

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

The process for determining compensation for the ceo includes a comparison of compensation for similarly qualified persons in comparable positions, review and approval by the board of directors and is documented in the board minutes. The last review was conducted in december 2021.

Form 990, Page 6, Part VI, Line 19

The monthly financial statements are posted in the lobby and are updated on a monthly basis. The governing documents and conflict of interest policy are made available upon request.

Filing and Contact Details

Filer

Filer Name
Premier Credit Union
EIN
42-0127275
Phone
5152821611
Address
800 9TH STREET, DES MOINES, IA 50309-1202

Signing Officer

Name
Steve Flamm
Title
CEO
Phone
5152821611
Signed
2022-05-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Flamm
Formed
1933
Legal Domicile
Ia
Voting Board Members
11
Independent Board Members
11
Employees
70
Volunteers
11

Preparer

Firm
Petersen & Associates
Address
506 E GOLD COAST RD STE 100, PAPILLION, NE 68046-4790
Preparer
Steven O Petersen
Phone
4023332800
Supplemental Narrative

Additional Explanations

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

N/A

Form 990, Part IX, Line 24E

Data processing 294,842 0 0 other professional servic 276,928 0 0 website expense 246,634 0 0 miscellaneous expense 211,386 0 0 state supervision fee 44,750 0 0 association dues 20,000 0 0 total 1,094,540 0 0

Raw XML AppendixShowing 400 of 494 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt03203793
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02796515
IRS990/AccountsReceivableGrp/BOYAmt014536855
IRS990/AccountsReceivableGrp/EOYAmt04740539
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0STATE CHARTERED CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt0174000
IRS990/AllOtherExpensesGrp/TotalAmt01094540
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BooksInCareOfDetail/PersonNm0STEVE FLAMM
IRS990/BooksInCareOfDetail/PhoneNum05152821611
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0800 9TH STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0DES MOINES
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0503091202
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0736938
IRS990/CashNonInterestBearingGrp/EOYAmt0657731
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0641273
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt031708
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0787602
IRS990/CYOtherExpensesAmt06130830
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt010353732
IRS990/CYRevenuesLessExpensesAmt01848095
IRS990/CYSalariesCompEmpBnftPaidAmt03162409
IRS990/CYTotalExpensesAmt09293239
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt011141334
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0197179
IRS990/Desc0N/A
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0true
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt070
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt025400
IRS990/FeesForServicesLegalGrp/TotalAmt014441
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt83.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt93.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt103.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt113.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt123.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt133.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt143.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt153.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt163.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt173.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt183.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt011600
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt111600
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt211600
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt310095
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt48886
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt67966
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt76319
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/PersonNm0BROOK HERMANN
IRS990/Form990PartVIISectionAGrp/PersonNm1MARK PIPER
IRS990/Form990PartVIISectionAGrp/PersonNm2SHEILA STRAND
IRS990/Form990PartVIISectionAGrp/PersonNm3BLAIK WOELLHOF
IRS990/Form990PartVIISectionAGrp/PersonNm4SAM RIZZUTI
IRS990/Form990PartVIISectionAGrp/PersonNm5BRIAN GOETZINGER
IRS990/Form990PartVIISectionAGrp/PersonNm6STEVE FLAMM
IRS990/Form990PartVIISectionAGrp/PersonNm7JILL GREENE MATHEW
IRS990/Form990PartVIISectionAGrp/PersonNm8BROOKE AVILA
IRS990/Form990PartVIISectionAGrp/PersonNm9RANDY BACHMAN
IRS990/Form990PartVIISectionAGrp/PersonNm10CODY CUMES
IRS990/Form990PartVIISectionAGrp/PersonNm11BETSY JEPSEN
IRS990/Form990PartVIISectionAGrp/PersonNm12DAN KLEIN
IRS990/Form990PartVIISectionAGrp/PersonNm13TODD MENDENHALL
IRS990/Form990PartVIISectionAGrp/PersonNm14CYNDE URNESS
IRS990/Form990PartVIISectionAGrp/PersonNm15RON VERNON
IRS990/Form990PartVIISectionAGrp/PersonNm16MARY WARD
IRS990/Form990PartVIISectionAGrp/PersonNm17ANDY YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm18DARIN ZAHN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6220445
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7157979
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt0644828
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt1526305
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt2324510
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3252388
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt4239678
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt5234172
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0MORTGAGE LOA
IRS990/Form990PartVIISectionAGrp/TitleTxt1MORTGAGE LOA
IRS990/Form990PartVIISectionAGrp/TitleTxt2MORTGAGE LOA
IRS990/Form990PartVIISectionAGrp/TitleTxt3MORTGAGE LOA
IRS990/Form990PartVIISectionAGrp/TitleTxt4CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt5COO
IRS990/Form990PartVIISectionAGrp/TitleTxt6CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt7EXEC VP
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt18BOARD MEMBER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01933
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt011141334
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt054600
IRS990/InterestGrp/TotalAmt038390
IRS990/InvestmentIncomeGrp/ExclusionAmt0787602
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0787602
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0480495
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01666807
IRS990/IRPDocumentCnt05659
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03287067
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05276968
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05136576
IRS990/LandBldgEquipCostOrOtherBssAmt08423643
IRS990/LegalDomicileStateCd0IA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0STATE CHARTERED CREDIT UNION
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt08620000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt03500000
IRS990/NetAssetsOrFundBalancesBOYAmt020313986
IRS990/NetAssetsOrFundBalancesEOYAmt022162081
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0369606
IRS990/OfficeExpensesGrp/TotalAmt0434106
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02369627
IRS990/OtherAssetsTotalGrp/EOYAmt02610574
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0286819
IRS990/OtherExpensesGrp/Desc0DIVIDEND
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2CREDIT/DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt01365684
IRS990/OtherExpensesGrp/TotalAmt11337353
IRS990/OtherExpensesGrp/TotalAmt2576223
IRS990/OtherExpensesGrp/TotalAmt3417600
IRS990/OtherLiabilitiesGrp/BOYAmt0225719651
IRS990/OtherLiabilitiesGrp/EOYAmt0236722194
IRS990/OtherSalariesAndWagesGrp/TotalAmt01968600
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0190336042
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0219245397
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0189647
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt05846092
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt06507597
IRS990/PensionPlanContributionsGrp/TotalAmt076070
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0147358
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0137589
IRS990/PrincipalOfficerNm0STEVE FLAMM
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt07904952
IRS990/ProgramServiceRevenueGrp/ExclusionAmt11531842
IRS990/ProgramServiceRevenueGrp/ExclusionAmt2916938
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07904952
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11531842
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2916938
IRS990/ProgSrvcAccomActyOtherGrp/Desc0N/A
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0803443
IRS990/PYOtherExpensesAmt06617539
IRS990/PYProgramServiceRevenueAmt010294124
IRS990/PYRevenuesLessExpensesAmt01455851
IRS990/PYSalariesCompEmpBnftPaidAmt03024177
IRS990/PYTotalExpensesAmt09641716
IRS990/PYTotalRevenueAmt011097567
IRS990/ReconcilationRevenueExpnssAmt01848095
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014467894
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt015654484
IRS990/SavingsAndTempCashInvstGrp/BOYAmt043973147
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030985577
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04811630
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01663649
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06475279
IRS990ScheduleD/EquipmentGrp/BookValueAmt0324946
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01623418
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01948364
IRS990ScheduleD/ExpensesSubtotalAmt09293239
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0236722194
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt011141334
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05136576
IRS990ScheduleD/TotalExpensesPerForm990Amt09293239
IRS990ScheduleD/TotalLiabilityAmt0236722194
IRS990ScheduleD/TotalRevenuePerForm990Amt011141334
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt011141334
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09293239
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0220445
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1157979
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0644828
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt1526305
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt2324510
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt3252388
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt4239678
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt5234172
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07966
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt16319
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt011600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt111600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt211600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt310095
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt48886
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BROOK HERMANN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MARK PIPER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2SHEILA STRAND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3BLAIK WOELLHOF
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4SAM RIZZUTI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5BRIAN GOETZINGER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm6STEVE FLAMM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm7JILL GREENE MATHEW
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0MORTGAGE LOAN OFFICE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1MORTGAGE LOAN OFFICE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2MORTGAGE LOAN OFFICE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3MORTGAGE LOAN OFFICE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt6CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt7EXEC VP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0228411
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1164298
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0656428
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt1537905
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt2336110
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt3262483
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt4248564
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt5234172
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL DEPOSITORS ARE CONSIDERED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MEMBERS ELECT ON AN ANNUAL BASIS THE MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY PROPOSED MERGERS MUST BE APPROVED BY A MAJORITY OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE SECURITY MATRIX ON THE DATA PROCESSING SYSTEM PROHIBITS EMPLOYEES AND DIRECTORS FROM INITIATING TRANSACTIONS ON ALL ACCOUNTS LISTED ON THEIR CONFLICT OF INTEREST DISCLOSURE STATEMENT, WHICH IS UPDATED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PROCESS FOR DETERMINING COMPENSATION FOR THE CEO INCLUDES A COMPARISON OF COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN COMPARABLE POSITIONS, REVIEW AND APPROVAL BY THE BOARD OF DIRECTORS AND IS DOCUMENTED IN THE BOARD MINUTES. THE LAST REVIEW WAS CONDUCTED IN DECEMBER 2021.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND ARE UPDATED ON A MONTHLY BASIS. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DATA PROCESSING 294,842 0 0 OTHER PROFESSIONAL SERVIC 276,928 0 0 WEBSITE EXPENSE 246,634 0 0 MISCELLANEOUS EXPENSE 211,386 0 0 STATE SUPERVISION FEE 44,750 0 0 ASSOCIATION DUES 20,000 0 0 TOTAL 1,094,540 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART IX, LINE 24E
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine1Txt0NA
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine1Txt1NA
IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine1Txt0PREMIER LENDING ALLIANCE
IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine1Txt1PREMIER TECHNOLOGY SERVICES

Document Assets

No mirrored PDF or thumbnail assets are attached yet.