Liabilities / Assets
26th percentile
Higher debt load relative to assets than 26% of similar nonprofits.
EIN 42-0658375 • 501(c)14 • Council Bluffs, IA
Profile
providing financial services
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
26th percentile
Higher debt load relative to assets than 26% of similar nonprofits.
Liabilities / Revenue
33rd percentile
Higher debt load relative to revenue than 33% of similar nonprofits.
Net Margin
74th percentile
Higher net margin than 74% of similar nonprofits.
Top Officer Pay
36th percentile
Higher top officer pay than 36% of similar nonprofits.
Top officer pay equals 11.1% of source-year revenue.
Asset Growth
81st percentile
Faster asset growth than 81% of similar nonprofits.
Revenue Growth
55th percentile
Faster revenue growth than 55% of similar nonprofits.
Assets
Up$10,345,752
Up $527,446 (+5.4%) from 2023
Liabilities
Up$8,319,816
Up $413,830 (+5.2%) from 2023
Net Assets
Up$2,025,936
Up $113,616 (+5.9%) from 2023
Revenue
Up$626,530
Up $46,747 (+8.1%) from 2023
Expenses
Up$512,914
Up $45,467 (+9.7%) from 2023
Net Income
Up$113,616
Up $1,280 (+1.1%) from 2023
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
providing financial services
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $3,897,191 | $4,199,002 | ▲ $301,811 |
| Rtn Earn Endowment Incm Other Fnds | $1,637,320 | $1,750,936 | ▲ $113,616 |
| Cash and Non-Interest-Bearing Accounts | $344,996 | $437,750 | ▲ $92,754 |
| Cap Stk Tr Prin Current Funds | $275,000 | $275,000 | → $0 |
| Accounts Receivable | $6,650 | $94,063 | ▲ $87,413 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Total Assets | $9,818,306 | $10,345,752 | ▲ $527,446 |
| Other Assets Total | $5,569,469 | $5,614,937 | ▲ $45,468 |
| Liabilities | |||
| Other Liabilities | $7,884,813 | $8,294,446 | ▲ $409,633 |
| Accounts Payable and Accrued Expenses | $21,173 | $25,370 | ▲ $4,197 |
| Total Liabilities | $7,905,986 | $8,319,816 | ▲ $413,830 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,912,320 | $2,025,936 | ▲ $113,616 |
| Total Liabilities and Net Assets / Fund Balance | $9,818,306 | $10,345,752 | ▲ $527,446 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Assets Org | $450,020 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Mary Siek | Manager/CFO | FT | $69,701 | $69,701 |
| Name | Title |
|---|---|
| David Vanhouten | Director |
| Dillard Avey | Director |
| Ivan Mcmcains | Director |
| Kathy Mayer | Director |
| Ron King | Director |
| Sherry Sherer | Director |
| Steve Feyerherm | Director |
| Suzanne Andersen | Director |
| Line Item | Amount |
|---|---|
| Other Expenses | $358,861 |
| Salaries, Compensation, and Employee Benefits | $154,053 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Expenses | - | - | - | $153,294 |
| Interest | - | - | - | $130,568 |
| Other Salaries and Wages | - | - | - | $104,681 |
| Other Employee Benefits | - | - | - | $49,372 |
| All Other Expenses | - | - | - | $25,432 |
| Occupancy | - | - | - | $21,775 |
| Office Expenses | - | - | - | $21,074 |
| Advertising | - | - | - | $1,635 |
| Travel | - | - | - | $248 |
| Total Functional Expenses | $0 | $0 | $0 | $512,914 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Savings and Cd Accounts | $8,294,446 |
“The organization has member owners each of which has equal rights in ownership governing and voting rights at the annial meetings with the exception of elected board of directors”
“The member owners have the authority to elect the members of the board of directors for three year terms on a rotating basis the board of directors appoint volunteers to serve on the supervisory committee which is vested with monitoring safety and soundness of the organization”
“Changes to the governing documents (by laws) must be approved by the member owners after they have been by the board of directors regulatory agency”
“Prior to being filed with the irs a copy of form 990 and related schedules are reviewed by the manager and cfo including confirmation of accuracy of every answer and oversight of appropriate changes”
“Board members and officers are required to report any potential conflicts of interest are determined by a review of the potential conflict by the ceo and the board of directors if a conflict exists then the conflicted board member or officer is excluded from discussions and votes related to any potential oe existing relationships involving the conflict of interest if it is determined that a conflict of interest was intentionally hiodden by a board member or officer then the situation would be investigated by the supervisory committee and the board member could be suspended and subject to dismissal at a special meeting of all the members owners”
“The process used for determining compensation for manager/cfo and other officers/key employees is based on a combination of comparable sized credit unions through use of an annual compensation survey attainment of performance objectives and organizations earnings this process is performed by the full board of directors”
“The credit unions bylaws conflict of interest policy and financial statements are available to the public and can be reviewed by appointment at the credit unions office”
“Member savings and certificate accounts”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 21173 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 25370 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 6650 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 94063 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | providing financial services |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 1635 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 25432 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | NORTH WESTERN EMPLOYEES CREDIT UNION |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine2Txt | 0 | MARY SIEK |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7123282787 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1411 WEST BROADWAY |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | COUNCIL BLUFFS |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 51501 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 275000 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 275000 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 344996 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 437750 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 198649 |
| IRS990/CYOtherExpensesAmt | 0 | 358861 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 427881 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 113616 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 154053 |
| IRS990/CYTotalExpensesAmt | 0 | 512914 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 626530 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/Desc | 0 | Salaries and other employee benefits |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 2 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 154053 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/InstitutionalTrusteeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | MARY SIEK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | RON KING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | DAVID VANHOUTEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | IVAN MCMCAINS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | SUZANNE ANDERSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | KATHY MAYER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | STEVE FEYERHERM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | DILLARD AVEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | SHERRY SHERER |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 69701 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | MANAGER/CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1941 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 626530 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 0 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InterestGrp/TotalAmt | 0 | 130568 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 198649 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 198649 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 191 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | IA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | providing financial services |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1912320 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2025936 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 21775 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 21074 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 5569469 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 5614937 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 49372 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | PROFESSIONAL AND OUTSIDE SERVICES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 2300 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 2535 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 153294 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 7884813 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 8294446 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 104681 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | Mary Siek |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 334524 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 52865 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 40492 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 334524 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 52865 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 40492 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Interest |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 130568 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Professional and Outside Services |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 153294 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | employee benefits exp, advertising and promotion exp, office exp, occupancy exp, conference exp, provision for loan losses exp, loan servicing exp, other expenses |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 1 | advertising, office expenses, rent, conferences, provision for loan losses, loan servicing, operating fees, miscellaneous office expenses |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 2 | See Schedule 0, Statement 1 |
| IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt | 0 | 74999 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 155107 |
| IRS990/PYOtherExpensesAmt | 0 | 323329 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 424676 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 112336 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 144118 |
| IRS990/PYTotalExpensesAmt | 0 | 467447 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 579783 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 113616 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 0 |
| IRS990/ReportOtherAssetsInd | 0 | 1 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1637320 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1750936 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3897191 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 4199002 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 5087611 |
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| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | LOANS (LESS ALLL) |
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| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | MEMBER SAVINGS AND CERTIFICATE ACCOUNTS |
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| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION HAS MEMBER OWNERS EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP GOVERNING AND VOTING RIGHTS AT THE ANNIAL MEETINGS WITH THE EXCEPTION OF ELECTED BOARD OF DIRECTORS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE MEMBER OWNERS HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE YEAR TERMS ON A ROTATING BASIS THE BOARD OF DIRECTORS APPOINT VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE WHICH IS VESTED WITH MONITORING SAFETY AND SOUNDNESS OF THE ORGANIZATION |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | CHANGES TO THE GOVERNING DOCUMENTS (BY LAWS) MUST BE APPROVED BY THE MEMBER OWNERS AFTER THEY HAVE BEEN BY THE BOARD OF DIRECTORS REGULATORY AGENCY |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | PRIOR TO BEING FILED WITH THE IRS A COPY OF FORM 990 AND RELATED SCHEDULES ARE REVIEWED BY THE MANAGER AND CFO INCLUDING CONFIRMATION OF ACCURACY OF EVERY ANSWER AND OVERSIGHT OF APPROPRIATE CHANGES |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | BOARD MEMBERS AND OFFICERS ARE REQUIRED TO REPORT ANY POTENTIAL CONFLICTS OF INTEREST ARE DETERMINED BY A REVIEW OF THE POTENTIAL CONFLICT BY THE CEO AND THE BOARD OF DIRECTORS IF A CONFLICT EXISTS THEN THE CONFLICTED BOARD MEMBER OR OFFICER IS EXCLUDED FROM DISCUSSIONS AND VOTES RELATED TO ANY POTENTIAL OE EXISTING RELATIONSHIPS INVOLVING THE CONFLICT OF INTEREST IF IT IS DETERMINED THAT A CONFLICT OF INTEREST WAS INTENTIONALLY HIODDEN BY A BOARD MEMBER OR OFFICER THEN THE SITUATION WOULD BE INVESTIGATED BY THE SUPERVISORY COMMITTEE AND THE BOARD MEMBER COULD BE SUSPENDED AND SUBJECT TO DISMISSAL AT A SPECIAL MEETING OF ALL THE MEMBERS OWNERS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE PROCESS USED FOR DETERMINING COMPENSATION FOR MANAGER/CFO AND OTHER OFFICERS/KEY EMPLOYEES IS BASED ON A COMBINATION OF COMPARABLE SIZED CREDIT UNIONS THROUGH USE OF AN ANNUAL COMPENSATION SURVEY ATTAINMENT OF PERFORMANCE OBJECTIVES AND ORGANIZATIONS EARNINGS THIS PROCESS IS PERFORMED BY THE FULL BOARD OF DIRECTORS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNIONS BYLAWS CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC AND CAN BE REVIEWED BY APPOINTMENT AT THE CREDIT UNIONS OFFICE |
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| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
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| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
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| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-03-20 |
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| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
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