Civic Intelligence

Citizens Community Credit Union

EIN 42-0566171 • 501(c)14 • Fort Dodge, IA

View Organization Page

Profile

To provide low cost financial services to our community.

2012 1st Avenue SouthFort Dodge, IA 50501

www.citizenscu.com

Siviq Scores

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

Liabilities / Assets

14th percentile

0.85x

Higher debt load relative to assets than 14% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Liabilities / Revenue

50th percentile

15.71x

Higher debt load relative to revenue than 50% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Net Margin

41st percentile

9.7%

Higher net margin than 41% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

14th percentile

-3.2%

Faster asset growth than 14% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Revenue Growth

12th percentile

1.3%

Faster revenue growth than 12% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets14th percentile

Assets

Up

$226,893,370

Up $7,435,656 (+3.4%) from 2023

Liabilities

Up

$184,289,255

Up $4,241,912 (+2.4%) from 2023

Net Assets

Up

$42,604,115

Up $3,193,744 (+8.1%) from 2023

Operations
Liabilities / Revenue50th percentileNet Margin41st percentile

Revenue

Up

$16,953,238

Up $2,024,230 (+14%) from 2023

Expenses

Up

$13,759,494

Up $2,153,750 (+19%) from 2023

Net Income

Down

$3,193,744

Down $129,520 (-3.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth14th percentile

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

$300M$200M$100M$0Assets 2010: $136,078,101Liabilities 2010: $121,237,085Net Assets 2010: $14,841,0162010Assets 2013: $171,894,028Liabilities 2013: $150,657,695Net Assets 2013: $21,236,3332013Assets 2014: $182,565,359Liabilities 2014: $159,142,319Net Assets 2014: $23,423,0402014Assets 2015: $188,186,033Liabilities 2015: $162,524,062Net Assets 2015: $25,661,9712015Assets 2016: $190,775,275Liabilities 2016: $163,341,894Net Assets 2016: $27,433,3812016Assets 2017: $191,532,723Liabilities 2017: $162,563,930Net Assets 2017: $28,968,7932017Assets 2018: $199,150,267Liabilities 2018: $168,377,121Net Assets 2018: $30,773,1462018Assets 2019: $198,127,445Liabilities 2019: $166,002,192Net Assets 2019: $32,125,2532019Assets 2020: $224,281,280Liabilities 2020: $191,375,858Net Assets 2020: $32,905,4222020Assets 2021: $243,602,484Liabilities 2021: $208,747,478Net Assets 2021: $34,855,0062021Assets 2022: $235,808,444Liabilities 2022: $199,721,337Net Assets 2022: $36,087,1072022Assets 2023: $219,457,714Liabilities 2023: $180,047,343Net Assets 2023: $39,410,3712023Assets 2024: $226,893,370Liabilities 2024: $184,289,255Net Assets 2024: $42,604,1152024

Highlighted filing

2024

Assets$226,893,370
Liabilities$184,289,255
Net Assets$42,604,115
Open 2024 Filing

Operations Trend

Revenue Growth12th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $10,280,1942010Revenue 2013: $11,915,969Expenses 2013: $10,040,349Net Income 2013: $1,875,6202013Revenue 2014: $11,740,424Expenses 2014: $9,553,716Net Income 2014: $2,186,7082014Revenue 2015: $11,576,665Expenses 2015: $9,337,735Net Income 2015: $2,238,9302015Revenue 2016: $11,479,340Expenses 2016: $9,707,930Net Income 2016: $1,771,4102016Revenue 2017: $11,798,277Expenses 2017: $10,262,863Net Income 2017: $1,535,4142017Revenue 2018: $12,487,759Expenses 2018: $10,683,398Net Income 2018: $1,804,3612018Revenue 2019: $13,167,520Expenses 2019: $11,815,412Net Income 2019: $1,352,1082019Revenue 2020: $12,541,694Expenses 2020: $11,761,525Net Income 2020: $780,1692020Revenue 2021: $12,549,482Expenses 2021: $10,599,898Net Income 2021: $1,949,5842021Revenue 2022: $12,713,937Expenses 2022: $11,481,836Net Income 2022: $1,232,1012022Revenue 2023: $14,929,008Expenses 2023: $11,605,744Net Income 2023: $3,323,2642023Revenue 2024: $16,953,238Expenses 2024: $13,759,494Net Income 2024: $3,193,7442024

Highlighted filing

2024

Revenue$16,953,238
Expenses$13,759,494
Net Income$3,193,744
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$226,893,370
Liabilities
$184,289,255
Net assets
$42,604,115
Revenue
$16,953,238
Expenses
$13,759,494
Net income
$3,193,744
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$227$184$42.6$17.0$13.8$3.19
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$219$180$39.4$14.9$11.6$3.32
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$236$200$36.1$12.7$11.5$1.23
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$244$209$34.9$12.5$10.6$1.95
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$224$191$32.9$12.5$11.8$0.78
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$198$166$32.1$13.2$11.8$1.35
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$199$168$30.8$12.5$10.7$1.80
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$192$163$29.0$11.8$10.3$1.54
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$191$163$27.4$11.5$9.71$1.77
2015Detailed filing. Detailed filing data is available for this year.$188$163$25.7$11.6$9.34$2.24
2014Detailed filing. Detailed filing data is available for this year.$183$159$23.4$11.7$9.55$2.19
2013Detailed filing. Detailed filing data is available for this year.$172$151$21.2$11.9$10.0$1.88
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$136$121$14.8$10.3
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Jul 28, 2023
Return Version
2022v5.0
Gross Receipts
$12,714,727
Mission and Program Overview

Mission

To provide low cost financial services to our community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$157,270,366$183,930,300▲ $26,659,934
Savings and Temporary Cash Investments$64,482,839$30,449,364▼ $34,033,475
Rtn Earn Endowment Incm Other Fnds$28,326,290$29,332,106▲ $1,005,816
Pd in Cap Srpls Land Bldg Eqp Fund$6,528,716$6,755,001▲ $226,285
Land, Buildings, and Equipment, Net$4,112,550$3,872,593▼ $239,957
Investments Program Related$3,765,947$3,765,947→ $0
Cash and Non-Interest-Bearing Accounts$3,459,929$2,934,705▼ $525,224
Prepaid Expenses and Deferred Charges$293,690$217,739▼ $75,951
Accounts Receivable$2,127$1,764▼ $363
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$243,602,484$235,808,444▼ $7,794,040
Other Assets Total$10,215,036$10,636,032▲ $420,996
Liabilities
Other Liabilities$206,029,354$197,052,858▼ $8,976,496
Accounts Payable and Accrued Expenses$2,718,124$2,668,479▼ $49,645
Total Liabilities$208,747,478$199,721,337▼ $9,026,141
Net Assets / Fund Balance
Total Net Assets Fund Balance$34,855,006$36,087,107▲ $1,232,101
Total Liabilities and Net Assets / Fund Balance$243,602,484$235,808,444▼ $7,794,040

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,427,220$3,064,796$4,492,016
Equipment$1,660,814$426,005$2,086,819
Land$784,559-$784,559
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dan ScottCEOFT$200,501$80,895$281,396
Jennifer CrimminsCFO,VPFT$115,912$22,636$138,548
Jodi ReekersVPFT$103,449$32,666$136,115

Board Members and Trustees

NameTitle
Kelly HindmanChairman
Doug UtleyPresident
Tim DoyleVice Chairman
Chris ParkerBoard Mbr
Dan StreitBoard Mbr
Harvey HilpipreBoard Mbr
Lyle BoeckholtBoard Mbr
Terry AllersBoard Mbr
Linda ClineSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,365,350
Investment Income
$730,297
Other Revenue
$618,290
Change in Net Assets
$1,232,101

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,713,937
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$12,713,937
Total Revenue per Form 990
$12,713,937
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,519,214
Salaries, Compensation, and Employee Benefits$3,962,622
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,510,937--$2,510,937
Information Technology$1,112,604--$1,112,604
Interest$1,033,942--$1,033,942
Other Employee Benefits$674,726--$674,726
Current Officers, Directors, Trustees, and Key Employees$556,059--$556,059
Occupancy$417,495--$417,495
Office Expenses$394,933--$394,933
Depreciation Depletion$257,354--$257,354
Payroll Taxes$220,900--$220,900
All Other Expenses$187,317--$187,317
Advertising$136,609--$136,609
Fees for Services Other$131,489--$131,489
Other Expenses$123,869--$123,869
Fees for Services Legal$112,518--$112,518
Insurance$43,892--$43,892
Payments to Affiliates$30,790--$30,790
Travel$23,033--$23,033
Conferences and Meetings$224--$224
Total Functional Expenses$11,481,836$0$0$11,481,836

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$11,481,836
Total Expenses per Audited Statements$11,481,836
Total Expenses per Form 990$11,481,836
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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 Liabilities$197,052,858
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
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

“The organization is a credit union with members.”

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

“Members elect the board of directors.”

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

“Mergers are subject to member approval.”

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

“Return is reviewed at board meeting after the ceo signs it.”

Form 990, Part VI, Section B, Line 12C

“The organization periodically addresses the conflict of interest policy by reviewing the interest of employees, officers, and directors during the bi-annual review by the auditors and during annual examinations by the state auditors.”

Form 990, Part VI, Section B, Line 15A

“The organization uses a third party survey and third party salary review.”

Form 990, Part VI, Section C, Line 19

“Public posting and upon request.”

Filing and Contact Details

Filer

Filer Name
Citizens Community Credit Union
EIN
42-0566171
Phone
5159555524
Address
2012 1ST AVENUE SOUTH, FORT DODGE, IA 50501

Signing Officer

Name
Dan Scott
Title
CEO
Phone
5159555524
Signed
2023-07-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dan Scott
Formed
1940
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
96
Volunteers
0

Preparer

Firm
Gardiner Company Pc
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
Dennis Gardiner CPA
Phone
5152701446
Supplemental Narrative

Additional Explanations

Form 990 Page 12 Part XII Line 2C

“The audit committe reviews the audited financials and discusses the audit with management and votes on retention of auditors.”

Financial Statement Notes

PART X, LINE 2:

“In accordance with the income taxes topic of the fasb asc, the credit union evaluates uncertain tax benefits arising from tax positions taken or expected to be taken based upon the likelihood of being sustained upon examination by applicable tax authorities. If the credit union determines that a tax position is more likely than not of being sustained, it recognizes the largest amount of the arising benefit that is greater than 50% likely of being realized upon settlement in the financial statements. Any tax positions taken or expected to be taken that do not pass the more likely than not test, the credit union establishes reserves offsetting the benefits related to such positions. Interest and penalties, if any, are included in the current period provision for income taxes in the credit union's statement of income and are included as a current liability in the balance sheet.”

Raw XML AppendixShowing 400 of 469 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02718124
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02668479
IRS990/AccountsReceivableGrp/BOYAmt02127
IRS990/AccountsReceivableGrp/EOYAmt01764
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE LOW COST FINANCIAL SERVICES TO OUR COMMUNITY.
IRS990/AdvertisingGrp/ProgramServicesAmt0136609
IRS990/AdvertisingGrp/TotalAmt0136609
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0187317
IRS990/AllOtherExpensesGrp/TotalAmt0187317
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0LISA KAUFFMAN
IRS990/BooksInCareOfDetail/PhoneNum05159555524
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02012 1ST AVENUE SOUTH
IRS990/BooksInCareOfDetail/USAddress/CityNm0FORT DODGE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd050501
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt03459929
IRS990/CashNonInterestBearingGrp/EOYAmt02934705
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0556059
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0556059
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0224
IRS990/ConferencesMeetingsGrp/TotalAmt0224
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0730297
IRS990/CYOtherExpensesAmt07519214
IRS990/CYOtherRevenueAmt0618290
IRS990/CYProgramServiceRevenueAmt011365350
IRS990/CYRevenuesLessExpensesAmt01232101
IRS990/CYSalariesCompEmpBnftPaidAmt03962622
IRS990/CYTotalExpensesAmt011481836
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt012713937
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0257354
IRS990/DepreciationDepletionGrp/TotalAmt0257354
IRS990/Desc0THE ORGANIZATION PROVIDES DEPOSIT SERVICES, LOANS, AND COMMUNITY SUPPORT. MEMBERS SERVED WAS APPROXIMATELY 14,517 DURING THE 2022 TAX YEAR.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt096
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt011481836
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt0112518
IRS990/FeesForServicesLegalGrp/TotalAmt0112518
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0131489
IRS990/FeesForServicesOtherGrp/TotalAmt0131489
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
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/OtherCompensationAmt956039
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1022636
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1132666
IRS990/Form990PartVIISectionAGrp/PersonNm0CHRIS PARKER
IRS990/Form990PartVIISectionAGrp/PersonNm1DAN STREIT
IRS990/Form990PartVIISectionAGrp/PersonNm2HARVEY HILPIPRE
IRS990/Form990PartVIISectionAGrp/PersonNm3LINDA CLINE
IRS990/Form990PartVIISectionAGrp/PersonNm4TERRY ALLERS
IRS990/Form990PartVIISectionAGrp/PersonNm5TIM DOYLE
IRS990/Form990PartVIISectionAGrp/PersonNm6LYLE BOECKHOLT
IRS990/Form990PartVIISectionAGrp/PersonNm7KELLY HINDMAN
IRS990/Form990PartVIISectionAGrp/PersonNm8DOUG UTLEY
IRS990/Form990PartVIISectionAGrp/PersonNm9DAN SCOTT
IRS990/Form990PartVIISectionAGrp/PersonNm10JENNIFER CRIMMINS
IRS990/Form990PartVIISectionAGrp/PersonNm11JODI REEKERS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MBR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MBR
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MBR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MBR
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MBR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO,VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01940
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt05210
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt06000
IRS990/GrossReceiptsAmt012714727
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt01112604
IRS990/InformationTechnologyGrp/TotalAmt01112604
IRS990/InsuranceGrp/ProgramServicesAmt043892
IRS990/InsuranceGrp/TotalAmt043892
IRS990/InterestGrp/ProgramServicesAmt01033942
IRS990/InterestGrp/TotalAmt01033942
IRS990/InvestmentIncomeGrp/ExclusionAmt0725087
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0725087
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt03765947
IRS990/InvestmentsProgramRelatedGrp/EOYAmt03765947
IRS990/IRPDocumentCnt04396
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03490801
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04112550
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03872593
IRS990/LandBldgEquipCostOrOtherBssAmt07363394
IRS990/LegalDomicileStateCd0IA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0790
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0105780
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0105780
IRS990/MissionDesc0TO PROVIDE LOW COST FINANCIAL SERVICES TO OUR COMMUNITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt034855006
IRS990/NetAssetsOrFundBalancesEOYAmt036087107
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt05210
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt05210
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0417495
IRS990/OccupancyGrp/TotalAmt0417495
IRS990/OfficeExpensesGrp/ProgramServicesAmt0394933
IRS990/OfficeExpensesGrp/TotalAmt0394933
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010215036
IRS990/OtherAssetsTotalGrp/EOYAmt010636032
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0674726
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0674726
IRS990/OtherExpensesGrp/Desc0DEALER EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2CREDIT/DEBIT CARD FEES
IRS990/OtherExpensesGrp/Desc3CREDIT REPORTS
IRS990/OtherExpensesGrp/ProgramServicesAmt01991741
IRS990/OtherExpensesGrp/ProgramServicesAmt11104367
IRS990/OtherExpensesGrp/ProgramServicesAmt2417037
IRS990/OtherExpensesGrp/ProgramServicesAmt3123869
IRS990/OtherExpensesGrp/TotalAmt01991741
IRS990/OtherExpensesGrp/TotalAmt11104367
IRS990/OtherExpensesGrp/TotalAmt2417037
IRS990/OtherExpensesGrp/TotalAmt3123869
IRS990/OtherLiabilitiesGrp/BOYAmt0206029354
IRS990/OtherLiabilitiesGrp/EOYAmt0197052858
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0512510
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0512510
IRS990/OtherRevenueTotalAmt0618290
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt02510937
IRS990/OtherSalariesAndWagesGrp/TotalAmt02510937
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0157270366
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0183930300
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt030790
IRS990/PaymentsToAffiliatesGrp/TotalAmt030790
IRS990/PayrollTaxesGrp/ProgramServicesAmt0220900
IRS990/PayrollTaxesGrp/TotalAmt0220900
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt06528716
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt06755001
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0293690
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0217739
IRS990/PrincipalOfficerNm0DAN SCOTT
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE FEES
IRS990/ProgramServiceRevenueGrp/Desc2CREDIT/DEBIT CARD
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08614639
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11391800
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21304027
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08614639
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11391800
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21358911
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt054884
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0172265
IRS990/PYOtherExpensesAmt06380918
IRS990/PYOtherRevenueAmt0992067
IRS990/PYProgramServiceRevenueAmt011385150
IRS990/PYRevenuesLessExpensesAmt01949584
IRS990/PYSalariesCompEmpBnftPaidAmt04218980
IRS990/PYTotalExpensesAmt010599898
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012549482
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt01232101
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt011928756
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt028326290
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt029332106
IRS990/SavingsAndTempCashInvstGrp/BOYAmt064482839
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030449364
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01427220
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03064796
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04492016
IRS990ScheduleD/EquipmentGrp/BookValueAmt01660814
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0426005
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02086819
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt011481836
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0784559
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0784559
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0197052858
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER LIABILITIES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012713937
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN ACCORDANCE WITH THE INCOME TAXES TOPIC OF THE FASB ASC, THE CREDIT UNION EVALUATES UNCERTAIN TAX BENEFITS ARISING FROM TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN BASED UPON THE LIKELIHOOD OF BEING SUSTAINED UPON EXAMINATION BY APPLICABLE TAX AUTHORITIES. IF THE CREDIT UNION DETERMINES THAT A TAX POSITION IS MORE LIKELY THAN NOT OF BEING SUSTAINED, IT RECOGNIZES THE LARGEST AMOUNT OF THE ARISING BENEFIT THAT IS GREATER THAN 50% LIKELY OF BEING REALIZED UPON SETTLEMENT IN THE FINANCIAL STATEMENTS. ANY TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT DO NOT PASS THE MORE LIKELY THAN NOT TEST, THE CREDIT UNION ESTABLISHES RESERVES OFFSETTING THE BENEFITS RELATED TO SUCH POSITIONS. INTEREST AND PENALTIES, IF ANY, ARE INCLUDED IN THE CURRENT PERIOD PROVISION FOR INCOME TAXES IN THE CREDIT UNION'S STATEMENT OF INCOME AND ARE INCLUDED AS A CURRENT LIABILITY IN THE BALANCE SHEET.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03872593
IRS990ScheduleD/TotalExpensesPerForm990Amt011481836
IRS990ScheduleD/TotalLiabilityAmt0197052858
IRS990ScheduleD/TotalRevenuePerForm990Amt012713937
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012713937
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt011481836
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0200501
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount024856
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt019558
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt036481
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DAN SCOTT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0281396
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CITIZENS COMMUNITY CREDIT UNION UTILIZES A COMPENSATION COMMITTEE (COMPRISED OF THE BOARD CHAIR, VICE CHAIR, PRESIDENT AND SECRETARY) ALONG WITH SALARY SURVEYS AND BOARD APPROVAL WHEN ESTABLISHING THE COMPENSATION OF THE ORGANIZATION'S CEO. SALARY SURVEYS ARE REVIEWED AND RESEARCHED FOR POSITION AND SIZE OF THE CREDIT UNION IN A DRAFTED DOCUMENT OUTLINING THE COMPENSATION AGREEMENT. THE AGREEMENT IS THEN RECOMMENDED TO THE FULL BOARD PRIOR TO THE CEO AND BOARD CHAIR SIGNATURES.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS A CREDIT UNION WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3RETURN IS REVIEWED AT BOARD MEETING AFTER THE CEO SIGNS IT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION PERIODICALLY ADDRESSES THE CONFLICT OF INTEREST POLICY BY REVIEWING THE INTEREST OF EMPLOYEES, OFFICERS, AND DIRECTORS DURING THE BI-ANNUAL REVIEW BY THE AUDITORS AND DURING ANNUAL EXAMINATIONS BY THE STATE AUDITORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION USES A THIRD PARTY SURVEY AND THIRD PARTY SALARY REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6PUBLIC POSTING AND UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE AUDIT COMMITTE REVIEWS THE AUDITED FINANCIALS AND DISCUSSES THE AUDIT WITH MANAGEMENT AND VOTES ON RETENTION OF AUDITORS.
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 PAGE 12 PART XII LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0243602484
IRS990/TotalAssetsEOYAmt0235808444
IRS990/TotalAssetsGrp/BOYAmt0243602484
IRS990/TotalAssetsGrp/EOYAmt0235808444
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt096

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