Civic Intelligence

Premier Credit Union

990 • Fiscal year 2025 • EIN 42-0127275

Jan 01, 2025 to Dec 31, 2025 • Filed on Apr 23, 2026

800 9th StreetDes Moines, IA 50309

(515) 282-1611

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

93rd percentile

0.91x

Higher debt load relative to assets than 93% of similar nonprofits.

2025 filings • $250M-$1B nonprofits • Source year 2025

Liabilities / Revenue

97th percentile

15.27x

Higher debt load relative to revenue than 97% of similar nonprofits.

2025 filings • $250M-$1B nonprofits • Source year 2025

Net Margin

54th percentile

8.9%

Higher net margin than 54% of similar nonprofits.

2025 filings • $250M-$1B nonprofits • Source year 2025

Top Officer Pay

22nd percentile

$318,629

Higher top officer pay than 22% of similar nonprofits.

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

2025 filings • $250M-$1B nonprofits • Source year 2025

Asset Growth

73rd percentile

11%

Faster asset growth than 73% of similar nonprofits.

2025 filings • $250M-$1B nonprofits • Annualized from 2024 to 2025

Revenue Growth

61st percentile

13%

Faster revenue growth than 61% of similar nonprofits.

2025 filings • $250M-$1B nonprofits • Annualized from 2024 to 2025

Assets

Up

$374,375,673

Up $35,677,324 (+11%) from 2024

Net Assets

Up

$32,341,325

Up $2,163,923 (+7.2%) from 2024

Liabilities

Up

$342,034,348

Up $33,513,401 (+11%) from 2024

Revenue

Up

$22,406,373

Up $2,545,771 (+13%) from 2024

Expenses

Up

$20,422,076

Up $2,165,488 (+12%) from 2024

Net Income

Up

$1,984,297

Up $380,283 (+24%) from 2024

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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: $30,177,4022024Assets 2025: $374,375,673Liabilities 2025: $342,034,348Net Assets 2025: $32,341,3252025

Highlighted filing

2025

Assets$374,375,673
Liabilities$342,034,348
Net Assets$32,341,325

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$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: $1,604,0142024Revenue 2025: $22,406,373Expenses 2025: $20,422,076Net Income 2025: $1,984,2972025

Highlighted filing

2025

Revenue$22,406,373
Expenses$20,422,076
Net Income$1,984,297
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Apr 23, 2026
Return Version
2025v4.1
Gross Receipts
$22,406,373
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$297,306,088$321,629,593▲ $24,323,505
Rtn Earn Endowment Incm Other Fnds$19,088,322$20,461,174▲ $1,372,852
Savings and Temporary Cash Investments$12,827,335$20,224,547▲ $7,397,212
Pd in Cap Srpls Land Bldg Eqp Fund$11,089,083$11,880,151▲ $791,068
Land, Buildings, and Equipment, Net$9,809,332$11,148,441▲ $1,339,109
Investments in Publicly Traded Securities$6,811,528$8,735,026▲ $1,923,498
Accounts Receivable$6,137,480$4,610,328▼ $1,527,152
Cash and Non-Interest-Bearing Accounts$1,681,072$2,592,349▲ $911,277
Prepaid Expenses and Deferred Charges$727,549$1,814,524▲ $1,086,975
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$338,698,349$374,375,673▲ $35,677,324
Other Assets Total$3,397,965$3,620,865▲ $222,900
Liabilities
Other Liabilities$299,812,018$334,987,912▲ $35,175,894
Mortgage Notes Payable Secured by Investment Property$5,000,000$5,000,000→ $0
Accounts Payable and Accrued Expenses$3,708,926$2,046,436▼ $1,662,490
Total Liabilities$308,520,944$342,034,348▲ $33,513,404
Net Assets / Fund Balance
Total Net Assets Fund Balance$30,177,405$32,341,325▲ $2,163,920
Total Liabilities and Net Assets / Fund Balance$338,698,349$374,375,673▲ $35,677,324

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,061,485$2,122,394$12,183,879
Other Land Buildings$1,086,956$604,671$1,691,627
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Megan TjernagelCEOFT$318,629$318,629
Mark PiperMort Loan OffFT$230,784$230,784
Jill MathewEvpFT$215,981$215,981
Kristen MooreCMOFT$142,300$142,300
Andy HappCLOFT$139,747$139,747
Diane FuterCFO - PcuFT$129,276$129,276
Sam RizzutiCFO - PlaFT$124,324$124,324

Board Members and Trustees

NameTitle
Andy YoungDirector
Brooke AvilaDirector
Darin ZahnDirector
Deanna BennigsdorfDirector
Jem Gong-browneDirector
Jesse BawekDirector
Mike HammDirector
Roger KluesnerDirector
Todd MendenhallDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$21,345,800
Investment Income
$1,060,573
Other Revenue
$0
Change in Net Assets
$1,984,297

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,406,373
Total Revenue per Audited Statements
$22,406,373
Total Revenue per Form 990
$22,406,373
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,330,336
Salaries, Compensation, and Employee Benefits$5,091,740
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,697,478
All Other Expenses---$2,182,264
Office Expenses---$771,378
Other Expenses---$751,251
Occupancy---$575,191
Current Officers, Directors, Trustees, and Key Employees---$534,610
Other Employee Benefits---$373,982
Payroll Taxes---$332,517
Depreciation Depletion---$323,839
Interest---$237,300
Advertising---$163,966
Pension Plan Contributions---$153,153
Insurance---$66,933
Conferences and Meetings---$33,800
Fees for Services Accounting---$31,400
Fees for Services Legal---$25,178
Total Functional Expenses$0$0$0$20,422,076

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,422,076
Total Expenses per Audited Statements$20,422,076
Total Expenses per Form 990$20,422,076
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$334,987,911
Rounding$1
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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, Part VI, Section A, Line 6

All depositors are considered members.

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

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

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

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

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

No review was or will be conducted.

Form 990, Part VI, Section B, 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, Part VI, Section B, 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 2025.

Form 990, Part VI, Section C, 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

Signing Officer

Name
Megan Tjernagel
Title
CEO
Signed
2026-04-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Megan Tjernagel
Formed
1933
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
101
Volunteers
12

Preparer

Firm
Petersen & Associates CPA
Address
506 E Gold Coast Rd, Papillion, NE 68046
Preparer
Steven O Petersen
Phone
4025929510
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

MISCELLANEOUS: Column (A) - Total = $233355; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

OTHER PROFESSIONAL FEES: Column (A) - Total = $730482; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

PROVISION: Column (A) - Total = $670500; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

STATE EXAM FEES: Column (A) - Total = $51600; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E

WEBSITE: Column (A) - Total = $496327; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part XI, Line 9

Net change in investment valuation reserve = $179623

Raw XML AppendixShowing 400 of 511 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/BOYAmt03708926
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02046436
IRS990/AccountsReceivableGrp/BOYAmt06137480
IRS990/AccountsReceivableGrp/EOYAmt04610328
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0STATE CHARTERED CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt0163966
IRS990/AllOtherExpensesGrp/TotalAmt02182264
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0MEGAN TJERNAGEL
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/BOYAmt01681072
IRS990/CashNonInterestBearingGrp/EOYAmt02592349
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0534610
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt033800
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01060573
IRS990/CYOtherExpensesAmt015330336
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt021345800
IRS990/CYRevenuesLessExpensesAmt01984297
IRS990/CYSalariesCompEmpBnftPaidAmt05091740
IRS990/CYTotalExpensesAmt020422076
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt022406373
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0323839
IRS990/Desc0N/A
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0true
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt0101
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt031400
IRS990/FeesForServicesLegalGrp/TotalAmt025178
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt045.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt145.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt245.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt345.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt445.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt545.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt645.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt73.00
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/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/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/PersonNm0MEGAN TJERNAGEL
IRS990/Form990PartVIISectionAGrp/PersonNm1MARK PIPER
IRS990/Form990PartVIISectionAGrp/PersonNm2JILL MATHEW
IRS990/Form990PartVIISectionAGrp/PersonNm3KRISTEN MOORE
IRS990/Form990PartVIISectionAGrp/PersonNm4ANDY HAPP
IRS990/Form990PartVIISectionAGrp/PersonNm5DIANE FUTER
IRS990/Form990PartVIISectionAGrp/PersonNm6SAM RIZZUTI
IRS990/Form990PartVIISectionAGrp/PersonNm7BROOKE AVILA
IRS990/Form990PartVIISectionAGrp/PersonNm8TODD MENDENHALL
IRS990/Form990PartVIISectionAGrp/PersonNm9ANDY YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm10DARIN ZAHN
IRS990/Form990PartVIISectionAGrp/PersonNm11DEANNA BENNIGSDORF
IRS990/Form990PartVIISectionAGrp/PersonNm12JESSE BAWEK
IRS990/Form990PartVIISectionAGrp/PersonNm13JEM GONG-BROWNE
IRS990/Form990PartVIISectionAGrp/PersonNm14ROGER KLUESNER
IRS990/Form990PartVIISectionAGrp/PersonNm15MIKE HAMM
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0318629
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1230784
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2215981
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3142300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4139747
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5129276
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6124324
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
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/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1MORT LOAN OFF
IRS990/Form990PartVIISectionAGrp/TitleTxt2EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt3CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt4CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt5CFO - PCU
IRS990/Form990PartVIISectionAGrp/TitleTxt6CFO - PLA
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Director
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01933
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt022406373
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt066933
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0237300
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt01060573
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01060573
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt06811528
IRS990/InvestmentsPubTradedSecGrp/EOYAmt08735026
IRS990/IRPDocumentCnt06766
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02727065
IRS990/LandBldgEquipBasisNetGrp/BOYAmt09809332
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011148441
IRS990/LandBldgEquipCostOrOtherBssAmt013875506
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/BOYAmt05000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt05000000
IRS990/NetAssetsOrFundBalancesBOYAmt030177405
IRS990/NetAssetsOrFundBalancesEOYAmt032341325
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0575191
IRS990/OfficeExpensesGrp/TotalAmt0771378
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03397965
IRS990/OtherAssetsTotalGrp/EOYAmt03620865
IRS990/OtherChangesInNetAssetsAmt0179623
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0373982
IRS990/OtherExpensesGrp/Desc0DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING
IRS990/OtherExpensesGrp/Desc3ATM/DEBIT CARD PROCESSING
IRS990/OtherExpensesGrp/TotalAmt07796867
IRS990/OtherExpensesGrp/TotalAmt11544251
IRS990/OtherExpensesGrp/TotalAmt2826718
IRS990/OtherExpensesGrp/TotalAmt3751251
IRS990/OtherLiabilitiesGrp/BOYAmt0299812018
IRS990/OtherLiabilitiesGrp/EOYAmt0334987912
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt03697478
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0297306088
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0321629593
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0332517
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt011089083
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt011880151
IRS990/PensionPlanContributionsGrp/TotalAmt0153153
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0727549
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01814524
IRS990/PrincipalOfficerNm0MEGAN TJERNAGEL
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc2MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt01496636
IRS990/ProgramServiceRevenueGrp/ExclusionAmt117920569
IRS990/ProgramServiceRevenueGrp/ExclusionAmt21928595
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01496636
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt117920569
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21928595
IRS990/ProgSrvcAccomActy2Grp/Desc0N/A
IRS990/ProgSrvcAccomActy3Grp/Desc0N/A
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0835791
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt014136927
IRS990/PYProgramServiceRevenueAmt019024811
IRS990/PYRevenuesLessExpensesAmt01604014
IRS990/PYSalariesCompEmpBnftPaidAmt04119661
IRS990/PYTotalExpensesAmt018256588
IRS990/PYTotalRevenueAmt019860602
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01984297
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt019088322
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt020461174
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012827335
IRS990/SavingsAndTempCashInvstGrp/EOYAmt020224547
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt010061485
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02122394
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt012183879
IRS990ScheduleD/ExpensesSubtotalAmt020422076
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01086956
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0604671
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01691627
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0334987911
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Rounding
IRS990ScheduleD/RevenueSubtotalAmt022406373
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011148441
IRS990ScheduleD/TotalExpensesPerForm990Amt020422076
IRS990ScheduleD/TotalLiabilityAmt0334987912
IRS990ScheduleD/TotalRevenuePerForm990Amt022406373
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt022406373
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt020422076
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0215981
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1230784
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2318629
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JILL MATHEW
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MARK PIPER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2MEGAN TJERNAGEL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0EVP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1MORT LOAN OFF
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0215981
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1230784
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2318629
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL DEPOSITORS ARE CONSIDERED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNIOIN MEMBERS ELECT ON AN ANNUAL BASIS THE MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY PROPOSED MERGERS MUST BE APPROVED BY A MAJORITY OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 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/ExplanationTxt5THE 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 2025.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE 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/ExplanationTxt7MISCELLANEOUS: Column (A) - Total = $233355; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8OTHER PROFESSIONAL FEES: Column (A) - Total = $730482; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9PROVISION: Column (A) - Total = $670500; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10STATE EXAM FEES: Column (A) - Total = $51600; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11WEBSITE: Column (A) - Total = $496327; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12NET CHANGE IN INVESTMENT VALUATION RESERVE = $179623
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part XI, Line 9

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$374$342$32.3$22.4$20.4$1.98
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