Civic Intelligence

First Class Community Credit Union

990 • Fiscal year 2025 • EIN 42-0214790

Jan 01, 2025 to Dec 31, 2025

Organization Profilewww.gofirstclass.org

View Organization Page

2051 Westown ParkwayDes Moines, IA 50265

(515) 224-4300

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.90x

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

2025 filings • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

97th percentile

14.89x

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

2025 filings • $50M-$100M nonprofits • Source year 2025

Net Margin

74th percentile

23%

Higher net margin than 74% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

47th percentile

$271,431

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

2025 filings • $50M-$100M nonprofits • Source year 2025

Asset Growth

17th percentile

-1.2%

Faster asset growth than 17% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

69th percentile

17%

Faster revenue growth than 69% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$93,253,254

Down $1,173,052 (-1.2%) from 2024

Net Assets

Up

$9,458,451

Up $2,143,092 (+29%) from 2024

Liabilities

Down

$83,794,803

Down $3,316,144 (-3.8%) from 2024

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin74th percentile

Revenue

Up

$5,629,371

Up $829,426 (+17%) from 2024

Expenses

Down

$4,345,877

Down $64,852 (-1.5%) from 2024

Net Income

Up

$1,283,494

Up $894,278 (+230%) from 2024

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$150M$100M$50M$0Assets 2010: $53,626,187Liabilities 2010: $48,161,909Net Assets 2010: $5,464,2782010Assets 2011: $57,996,502Liabilities 2011: $52,435,822Net Assets 2011: $5,560,6802011Assets 2012: $63,482,542Liabilities 2012: $57,723,350Net Assets 2012: $5,759,1922012Assets 2014: $65,889,763Liabilities 2014: $59,686,043Net Assets 2014: $6,203,7202014Assets 2015: $70,778,764Liabilities 2015: $64,504,260Net Assets 2015: $6,274,5042015Assets 2016: $74,358,191Liabilities 2016: $68,161,403Net Assets 2016: $6,196,7882016Assets 2017: $73,773,178Liabilities 2017: $67,409,339Net Assets 2017: $6,363,8392017Assets 2018: $76,769,620Liabilities 2018: $69,963,092Net Assets 2018: $6,806,5282018Assets 2019: $79,791,069Liabilities 2019: $72,666,588Net Assets 2019: $7,124,4812019Assets 2020: $93,065,481Liabilities 2020: $85,797,450Net Assets 2020: $7,268,0312020Assets 2021: $100,427,061Liabilities 2021: $93,527,079Net Assets 2021: $6,899,9822021Assets 2022: $99,378,905Liabilities 2022: $94,816,181Net Assets 2022: $4,562,7242022Assets 2023: $93,363,952Liabilities 2023: $87,241,832Net Assets 2023: $6,122,1202023Assets 2024: $94,426,306Liabilities 2024: $87,110,947Net Assets 2024: $7,315,3592024Assets 2025: $93,253,254Liabilities 2025: $83,794,803Net Assets 2025: $9,458,4512025

Highlighted filing

2025

Assets$93,253,254
Liabilities$83,794,803
Net Assets$9,458,451
Open 2025 Filing

Operations Trend

Revenue Growth69th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $4,400,1602010Expenses 2011: $3,428,4782011Expenses 2012: $3,338,0562012Revenue 2014: $3,674,766Expenses 2014: $3,412,246Net Income 2014: $262,5202014Revenue 2015: $3,808,349Expenses 2015: $3,742,589Net Income 2015: $65,7602015Revenue 2016: $3,594,038Expenses 2016: $3,488,983Net Income 2016: $105,0552016Revenue 2017: $3,732,106Expenses 2017: $3,565,838Net Income 2017: $166,2682017Revenue 2018: $4,082,166Expenses 2018: $3,773,201Net Income 2018: $308,9652018Revenue 2019: $4,462,839Expenses 2019: $4,228,044Net Income 2019: $234,7952019Revenue 2020: $4,247,644Expenses 2020: $4,134,034Net Income 2020: $113,6102020Revenue 2021: $4,085,344Expenses 2021: $3,976,393Net Income 2021: $108,9512021Revenue 2022: $4,390,414Expenses 2022: $4,029,698Net Income 2022: $360,7162022Revenue 2023: $4,761,310Expenses 2023: $4,229,685Net Income 2023: $531,6252023Revenue 2024: $4,799,945Expenses 2024: $4,410,729Net Income 2024: $389,2162024Revenue 2025: $5,629,371Expenses 2025: $4,345,877Net Income 2025: $1,283,4942025

Highlighted filing

2025

Revenue$5,629,371
Expenses$4,345,877
Net Income$1,283,494
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Apr 20, 2026
Return Version
2025v4.1
Gross Receipts
$5,629,371
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$41,830,844$40,083,392▼ $1,747,452
Investments in Publicly Traded Securities$30,189,441$32,427,890▲ $2,238,449
Savings and Temporary Cash Investments$15,284,044$13,996,719▼ $1,287,325
Pd in Cap Srpls Land Bldg Eqp Fund$5,858,703$5,858,703→ $0
Rtn Earn Endowment Incm Other Fnds$1,456,656$3,599,748▲ $2,143,092
Land, Buildings, and Equipment, Net$2,190,792$2,080,055▼ $110,737
Cash and Non-Interest-Bearing Accounts$1,438,627$1,009,952▼ $428,675
Accounts Receivable$161,053$199,030▲ $37,977
Prepaid Expenses and Deferred Charges$239,773$179,393▼ $60,380
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$94,426,306$93,253,254▼ $1,173,052
Other Assets Total$3,091,732$3,276,823▲ $185,091
Liabilities
Other Liabilities$86,856,761$83,671,323▼ $3,185,438
Accounts Payable and Accrued Expenses$254,186$123,480▼ $130,706
Total Liabilities$87,110,947$83,794,803▼ $3,316,144
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,315,359$9,458,451▲ $2,143,092
Total Liabilities and Net Assets / Fund Balance$94,426,306$93,253,254▼ $1,173,052

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,357,365$1,701,916$3,059,281
Other Land Buildings$261,058$375,885$636,943
Land$461,632-$461,632
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Zac PollockCEOFT$185,385$86,046$271,431
Lauri DuffCFOFT$121,003$38,018$159,021
Chelsea BullingtonCOOFT$111,762$29,549$141,311

Board Members and Trustees

NameTitle
Brad JacobsonDirector
Carol CowlingDirector
Craig DosterDirector
Gary OlsonDirector
James GearhartDirector
Lance ColesDirector
Marc SwansonDirector
Randy PelhamDirector
Ruth DowneyDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,314,101
Investment Income
$1,315,270
Other Revenue
$0
Change in Net Assets
$1,283,494

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,629,371
Total Revenue per Audited Statements
$5,629,371
Total Revenue per Form 990
$5,629,371
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,664,082
Salaries, Compensation, and Employee Benefits$1,681,795
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,057,913
All Other Expenses---$569,623
Office Expenses---$364,844
Current Officers, Directors, Trustees, and Key Employees---$271,431
Other Expenses---$250,705
Other Employee Benefits---$192,948
Depreciation Depletion---$168,432
Occupancy---$165,483
Advertising---$123,525
Payroll Taxes---$108,612
Pension Plan Contributions---$50,891
Insurance---$42,856
Conferences and Meetings---$32,309
Fees for Services Accounting---$29,732
Fees for Services Legal---$3,102
Interest---$1,858
Total Functional Expenses$0$0$0$4,345,877

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,345,877
Total Expenses per Audited Statements$4,345,877
Total Expenses per Form 990$4,345,877
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$83,671,322
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
First Class Community Credit Union
EIN
42-0214790
Phone
5152244300
Address
2051 WESTOWN PARKWAY, DES MOINES, IA 50265

Signing Officer

Name
Zac Pollock
Title
CEO
Phone
5152244300
Signed
2026-04-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Zac Pollock
Formed
1925
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
35
Volunteers
9

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

“ASSOCIATION DUES: Column (A) - Total = $42532; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“DEBIT CARD PROGRAM: Column (A) - Total = $249563; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“MISCELLANEOUS: Column (A) - Total = $59388; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“PROVISION: Column (A) - Total = $194140; 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 = $24000; 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 = $859598”

Raw XML AppendixShowing 400 of 446 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.

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IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt042856
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt01858
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt01315270
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01315270
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt032427890
IRS990/IRPDocumentCnt01201
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt02080055
IRS990/LandBldgEquipCostOrOtherBssAmt04157856
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IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0STATE CHARTERED CREDIT UNION
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt07315359
IRS990/NetAssetsOrFundBalancesEOYAmt09458451
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0165483
IRS990/OfficeExpensesGrp/TotalAmt0364844
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03091732
IRS990/OtherAssetsTotalGrp/EOYAmt03276823
IRS990/OtherChangesInNetAssetsAmt0859598
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0192948
IRS990/OtherExpensesGrp/Desc0OTHER PROFESSIONAL FEES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING
IRS990/OtherExpensesGrp/Desc3DIVIDENDS
IRS990/OtherExpensesGrp/TotalAmt0337221
IRS990/OtherExpensesGrp/TotalAmt1294357
IRS990/OtherExpensesGrp/TotalAmt2280035
IRS990/OtherExpensesGrp/TotalAmt3250705
IRS990/OtherLiabilitiesGrp/BOYAmt086856761
IRS990/OtherLiabilitiesGrp/EOYAmt083671323
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01057913
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt041830844
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt040083392
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0108612
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt05858703
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt05858703
IRS990/PensionPlanContributionsGrp/TotalAmt050891
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0239773
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0179393
IRS990/PrincipalOfficerNm0ZAC POLLOCK
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc2MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt0592558
IRS990/ProgramServiceRevenueGrp/ExclusionAmt12567687
IRS990/ProgramServiceRevenueGrp/ExclusionAmt21153856
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0592558
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12567687
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21153856
IRS990/ProgSrvcAccomActy2Grp/Desc0N/A
IRS990/ProgSrvcAccomActy3Grp/Desc0N/A
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0726850
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt02908832
IRS990/PYProgramServiceRevenueAmt04073095
IRS990/PYRevenuesLessExpensesAmt0389216
IRS990/PYSalariesCompEmpBnftPaidAmt01501897
IRS990/PYTotalExpensesAmt04410729
IRS990/PYTotalRevenueAmt04799945
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01283494
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01456656
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03599748
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015284044
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013996719
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01357365
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01701916
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03059281
IRS990ScheduleD/ExpensesSubtotalAmt04345877
IRS990ScheduleD/LandGrp/BookValueAmt0461632
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0461632
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0261058
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0375885
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0636943
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt083671322
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Rounding
IRS990ScheduleD/RevenueSubtotalAmt05629371
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02080055
IRS990ScheduleD/TotalExpensesPerForm990Amt04345877
IRS990ScheduleD/TotalLiabilityAmt083671323
IRS990ScheduleD/TotalRevenuePerForm990Amt05629371
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05629371
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04345877
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0121003
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1185385
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount011042
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount124400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06638
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt137705
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt019618
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt119621
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0720
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt14320
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LAURI DUFF
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ZAC POLLOCK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0159021
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1271431
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/ExplanationTxt7ASSOCIATION DUES: Column (A) - Total = $42532; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DEBIT CARD PROGRAM: Column (A) - Total = $249563; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9MISCELLANEOUS: Column (A) - Total = $59388; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10PROVISION: Column (A) - Total = $194140; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11STATE EXAM FEES: Column (A) - Total = $24000; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12NET CHANGE IN INVESTMENT VALUATION RESERVE = $859598
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt094426306
IRS990/TotalAssetsEOYAmt093253254
IRS990/TotalAssetsGrp/BOYAmt094426306
IRS990/TotalAssetsGrp/EOYAmt093253254
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt04345877
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt087110947
IRS990/TotalLiabilitiesEOYAmt083794803
IRS990/TotalLiabilitiesGrp/BOYAmt087110947
IRS990/TotalLiabilitiesGrp/EOYAmt083794803

Document Assets

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Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$93,253,254
Liabilities
$83,794,803
Net assets
$9,458,451
Revenue
$5,629,371
Expenses
$4,345,877
Net income
$1,283,494
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$93.3$83.8$9.46$5.63$4.35$1.28
2024Detailed filing. Detailed filing data is available for this year.$94.4$87.1$7.32$4.80$4.41$0.39
2023Detailed filing. Detailed filing data is available for this year.$93.4$87.2$6.12$4.76$4.23$0.53
2022Detailed filing. Detailed filing data is available for this year.$99.4$94.8$4.56$4.39$4.03$0.36
2021Detailed filing. Detailed filing data is available for this year.$100$93.5$6.90$4.09$3.98$0.11
2020Detailed filing. Detailed filing data is available for this year.$93.1$85.8$7.27$4.25$4.13$0.11
2019Detailed filing. Detailed filing data is available for this year.$79.8$72.7$7.12$4.46$4.23$0.23
2018Detailed filing. Detailed filing data is available for this year.$76.8$70.0$6.81$4.08$3.77$0.31
2017Detailed filing. Detailed filing data is available for this year.$73.8$67.4$6.36$3.73$3.57$0.17
2016Detailed filing. Detailed filing data is available for this year.$74.4$68.2$6.20$3.59$3.49$0.11
2015Detailed filing. Detailed filing data is available for this year.$70.8$64.5$6.27$3.81$3.74$0.07
2014Detailed filing. Detailed filing data is available for this year.$65.9$59.7$6.20$3.67$3.41$0.26
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.5$57.7$5.76$3.34
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.0$52.4$5.56$3.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.6$48.2$5.46$4.40