Civic Intelligence

Ascentra Credit Union

990 • Fiscal year 2016 • EIN 42-0747751

Jan 01, 2016 to Dec 31, 2016 • Filed on May 09, 2017

1710 Grant StBettendorf, IA 52722

(800) 426-5241

Siviq Scores

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

Liabilities / Assets

56th percentile

0.90x

Higher debt load relative to assets than 56% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

21st percentile

14.98x

Higher debt load relative to revenue than 21% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

24th percentile

8.3%

Higher net margin than 24% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

87th percentile

$657,918

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

58th percentile

6.8%

Faster asset growth than 58% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

72nd percentile

11%

Faster revenue growth than 72% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Assets

Up

$394,426,524

Up $25,204,925 (+6.8%) from 2015

Net Assets

Up

$39,615,454

Up $1,949,448 (+5.2%) from 2015

Liabilities

Up

$354,811,070

Up $23,255,477 (+7.0%) from 2015

Revenue

Up

$23,680,902

Up $2,300,872 (+11%) from 2015

Expenses

Up

$21,722,746

Up $2,208,555 (+11%) from 2015

Net Income

Up

$1,958,156

Up $92,317 (+4.9%) from 2015

Historical Trend

Balance Sheet Trend

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

$600M$400M$200M$0Assets 2010: $236,169,714Liabilities 2010: $214,870,961Net Assets 2010: $21,298,7532010Assets 2011: $257,136,454Liabilities 2011: $233,443,704Net Assets 2011: $23,692,7502011Assets 2013: $328,170,234Liabilities 2013: $295,291,142Net Assets 2013: $32,879,0922013Assets 2014: $341,944,455Liabilities 2014: $306,118,978Net Assets 2014: $35,825,4772014Assets 2015: $369,221,599Liabilities 2015: $331,555,593Net Assets 2015: $37,666,0062015Assets 2016: $394,426,524Liabilities 2016: $354,811,070Net Assets 2016: $39,615,4542016Assets 2017: $409,300,803Liabilities 2017: $367,373,328Net Assets 2017: $41,927,4752017Assets 2018: $405,453,243Liabilities 2018: $361,829,178Net Assets 2018: $43,624,0652018Assets 2019: $424,287,515Liabilities 2019: $378,064,597Net Assets 2019: $46,222,9182019Assets 2020: $495,382,724Liabilities 2020: $447,912,083Net Assets 2020: $47,470,6412020Assets 2021: $534,049,811Liabilities 2021: $484,860,767Net Assets 2021: $49,189,0442021Assets 2022: $527,520,974Liabilities 2022: $479,176,129Net Assets 2022: $48,344,8452022Assets 2023: $534,114,802Liabilities 2023: $482,660,465Net Assets 2023: $51,454,3372023Assets 2024: $543,907,511Liabilities 2024: $489,563,969Net Assets 2024: $54,343,5422024

Highlighted filing

2016

Assets$394,426,524
Liabilities$354,811,070
Net Assets$39,615,454

Operations Trend

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

$40M$30M$20M$10M$0Expenses 2010: $16,560,7132010Expenses 2011: $16,757,1892011Revenue 2013: $23,097,172Expenses 2013: $17,997,308Net Income 2013: $5,099,8642013Revenue 2014: $20,968,309Expenses 2014: $18,224,943Net Income 2014: $2,743,3662014Revenue 2015: $21,380,030Expenses 2015: $19,514,191Net Income 2015: $1,865,8392015Revenue 2016: $23,680,902Expenses 2016: $21,722,746Net Income 2016: $1,958,1562016Revenue 2017: $24,552,402Expenses 2017: $22,185,257Net Income 2017: $2,367,1452017Revenue 2018: $25,507,215Expenses 2018: $23,484,785Net Income 2018: $2,022,4302018Revenue 2019: $27,263,133Expenses 2019: $25,463,129Net Income 2019: $1,800,0042019Revenue 2020: $26,041,653Expenses 2020: $25,159,163Net Income 2020: $882,4902020Revenue 2021: $27,182,453Expenses 2021: $25,040,457Net Income 2021: $2,141,9962021Revenue 2022: $29,345,594Expenses 2022: $27,536,971Net Income 2022: $1,808,6232022Revenue 2023: $35,365,466Expenses 2023: $32,660,041Net Income 2023: $2,705,4252023Revenue 2024: $38,462,503Expenses 2024: $36,127,199Net Income 2024: $2,335,3042024

Highlighted filing

2016

Revenue$23,680,902
Expenses$21,722,746
Net Income$1,958,156
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 9, 2017
Return Version
2016v3.0
Gross Receipts
$23,680,902
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$284,587,500$299,216,311▲ $14,628,811
Savings and Temporary Cash Investments$35,390,326$37,647,728▲ $2,257,402
Rtn Earn Endowment Incm Other Fnds$24,401,086$26,350,534▲ $1,949,448
Investments in Publicly Traded Securities$9,343,698$14,734,411▲ $5,390,713
Land, Buildings, and Equipment, Net$15,407,076$14,533,866▼ $873,210
Pd in Cap Srpls Land Bldg Eqp Fund$13,264,920$13,264,920→ $0
Receivables From Officers Etc$5,775,526$6,708,490▲ $932,964
Cash and Non-Interest-Bearing Accounts$5,421,801$4,886,343▼ $535,458
Prepaid Expenses and Deferred Charges$577,347$603,069▲ $25,722
Accounts Receivable$27,935$44,024▲ $16,089
Total Assets$369,221,599$394,426,524▲ $25,204,925
Other Assets Total$12,690,390$16,052,282▲ $3,361,892
Liabilities
Other Liabilities$292,576,240$314,124,619▲ $21,548,379
Mortgage Notes Payable Secured by Investment Property$33,180,000$32,180,000▼ $1,000,000
Accounts Payable and Accrued Expenses$5,799,353$8,506,451▲ $2,707,098
Total Liabilities$331,555,593$354,811,070▲ $23,255,477
Net Assets / Fund Balance
Total Net Assets Fund Balance$37,666,006$39,615,454▲ $1,949,448
Total Liabilities and Net Assets / Fund Balance$369,221,599$394,426,524▲ $25,204,925

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,230,003$3,876,668$13,106,671
Equipment$1,714,528$5,244,155$6,958,683
Land$3,589,335-$3,589,335
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dale OwenPresident/ceFT$476,392$181,526$657,918
Dale OwenPresident/CEO-$420,082$237,836$657,918
Becky HansenEvp ComplianFT$201,889$64,333$266,222
Becky HansenEvp Compliance-$151,820$114,402$266,222
Linda AndryCFOFT$146,807$108,531$255,338
Brad KnutsonChief Tech OFT$189,407$58,427$247,834
Brad KnutsonChief Tech Officer-$143,414$104,420$247,834
Timothy PerkinsChief LendinFT$162,832$52,007$214,839
Timothy PerkinsChief Lending Oficer-$133,507$81,332$214,839
Shelly RidgewayVP of LendinFT$157,796$48,881$206,677
Shelly RidgewayVP of Lending-$124,885$81,792$206,677
Jennifer NaeveVP of MarketFT$118,969$35,305$154,274
Jennifer NaeveVP of Marketing-$97,735$56,539$154,274

Board Members and Trustees

NameTitle
Daniel BirdsleyBoard Member
Dirk MooyBoard Member
Elaine ReidBoard Member
Gary SchockerBoard Member
Larry KetelsenBoard Member
Larry RidenourBoard Member
Laura CurtisBoard Member
Mary SoederBoard Member
Troy SmithBoard Member
Woody PerkinsBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$22,261,605
Investment Income
$1,419,297
Other Revenue
$0
Change in Net Assets
$1,958,156

Audited Revenue Reconciliation

Revenue per Audited Statements
$23,680,902
Total Revenue per Audited Statements
$23,680,902
Total Revenue per Form 990
$23,680,902
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,390,456
Salaries, Compensation, and Employee Benefits$8,332,290
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,729,780
All Other Expenses---$2,370,974
Current Officers, Directors, Trustees, and Key Employees---$1,375,929
Depreciation Depletion---$1,224,321
Other Expenses---$1,122,152
Office Expenses---$873,120
Occupancy---$714,292
Interest---$650,312
Advertising---$584,644
Other Employee Benefits---$467,463
Payroll Taxes---$439,799
Pension Plan Contributions---$319,319
Conferences and Meetings---$186,146
Insurance---$120,871
Fees for Services Accounting---$80,064
Fees for Services Legal---$16,969
Total Functional Expenses$0$0$0$21,722,746

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,722,746
Total Expenses per Audited Statements$21,722,746
Total Expenses per Form 990$21,722,746
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 Officers, Directors, Trustees, and Key Employees$5,775,526$6,708,490▲ $932,964
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$314,124,619
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

All depositors are considered members.

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

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

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

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

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

No review was or will be conducted.

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

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

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

The board of directors hires an independent consultant to perform a salary review on the ceo on a bi-annual basis. The ceo evaluation is discussed at the board meeting, a motion is made as to the level of compensation and then voted on by the board.

Form 990, Page 6, Part VI, Line 19

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

Filing and Contact Details

Filer

Filer Name
Ascentra Credit Union
EIN
42-0747751
Phone
8004265241
Address
1710 GRANT ST, BETTENDORF, IA 52722

Signing Officer

Name
Linda Andry
Title
CFO
Phone
8004265241
Signed
2017-05-09

Organization Details

Principal Officer
Dale Owen
Formed
1950
Legal Domicile
Ia
Voting Board Members
10
Independent Board Members
10
Employees
158
Volunteers
10

Preparer

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

Additional Explanations

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

N/A

Form 990, Part IX, Line 24E

Other professional servic 1,034,227 0 0 miscellaneous expense 612,823 0 0 atm/debit card processing 431,288 0 0 personnel services 83,851 0 0 oreo expense 63,240 0 0 dues 59,307 0 0 exam fees 58,673 0 0 intangible amortization 27,565 0 0 total 2,370,974 0 0

Form 990, Part XI, Line 9

Net change in investment valuation reserve -8,708

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IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt023680902
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt0120871
IRS990/InterestGrp/TotalAmt0650312
IRS990/InvestmentIncomeGrp/ExclusionAmt01419297
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01419297
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt09343698
IRS990/InvestmentsPubTradedSecGrp/EOYAmt014734411
IRS990/IRPDocumentCnt011226
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09120823
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015407076
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014533866
IRS990/LandBldgEquipCostOrOtherBssAmt023654689
IRS990/LegalDomicileStateCd0IA
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0STATE CHARTERED CREDIT UNION
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt033180000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt032180000
IRS990/NetAssetsOrFundBalancesBOYAmt037666006
IRS990/NetAssetsOrFundBalancesEOYAmt039615454
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0714292
IRS990/OfficeExpensesGrp/TotalAmt0873120
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt012690390
IRS990/OtherAssetsTotalGrp/EOYAmt016052282
IRS990/OtherChangesInNetAssetsAmt0-8708
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0467463
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt02159200
IRS990/OtherExpensesGrp/TotalAmt11715006
IRS990/OtherExpensesGrp/TotalAmt21572385
IRS990/OtherExpensesGrp/TotalAmt31122152
IRS990/OtherLiabilitiesGrp/BOYAmt0292576240
IRS990/OtherLiabilitiesGrp/EOYAmt0314124619
IRS990/OtherSalariesAndWagesGrp/TotalAmt05729780
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0284587500
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0299216311
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0439799
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt013264920
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt013264920
IRS990/PensionPlanContributionsGrp/TotalAmt0319319
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0577347
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0603069
IRS990/PrincipalOfficerNm0DALE OWEN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt013629902
IRS990/ProgramServiceRevenueGrp/ExclusionAmt15900552
IRS990/ProgramServiceRevenueGrp/ExclusionAmt22731151
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013629902
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15900552
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22731151
IRS990/ProgSrvcAccomActyOtherGrp/Desc0N/A
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt01352734
IRS990/PYOtherExpensesAmt011840546
IRS990/PYProgramServiceRevenueAmt020027296
IRS990/PYRevenuesLessExpensesAmt01865839
IRS990/PYSalariesCompEmpBnftPaidAmt07673645
IRS990/PYTotalExpensesAmt019514191
IRS990/PYTotalRevenueAmt021380030
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt05775526
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt06708490
IRS990/ReconcilationRevenueExpnssAmt01958156
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt024401086
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt026350534
IRS990/SavingsAndTempCashInvstGrp/BOYAmt035390326
IRS990/SavingsAndTempCashInvstGrp/EOYAmt037647728
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt09230003
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03876668
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt013106671
IRS990ScheduleD/EquipmentGrp/BookValueAmt01714528
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05244155
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06958683
IRS990ScheduleD/ExpensesSubtotalAmt021722746
IRS990ScheduleD/LandGrp/BookValueAmt03589335
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03589335
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0314124619
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt023680902
IRS990ScheduleD/TotalBookValueLandBuildingsAmt014533866
IRS990ScheduleD/TotalExpensesPerForm990Amt021722746
IRS990ScheduleD/TotalLiabilityAmt0314124619
IRS990ScheduleD/TotalRevenuePerForm990Amt023680902
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt023680902
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt021722746
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0420082
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1146807
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2143414
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3133507
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4151820
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5124885
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt697735
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount039039
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount132781
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount231550
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount329075
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount431568
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount526155
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount621056
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0165412
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt153689
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt251206
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt346914
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt458442
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt546979
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt633815
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt016114
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt111379
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt27221
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt35093
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt45891
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt51902
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt61490
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt017271
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt110682
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt214443
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt3250
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt418501
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt56756
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt6178
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DALE OWEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1LINDA ANDRY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2BRAD KNUTSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3TIMOTHY PERKINS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4BECKY HANSEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5SHELLY RIDGEWAY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm6JENNIFER NAEVE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CHIEF TECH OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3CHIEF LENDING OFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4EVP COMPLIANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5VP OF LENDING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt6VP OF MARKETING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0657918
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1255338
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2247834
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3214839
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt4266222
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt5206677
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt6154274
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0DALE OWEN 0 157,224 0 LINDA ANDRY 0 38,798 0 BRAD KNUTSON 0 23,475 0 TIMOTHY PERKINS 0 21,833 0
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DEPOSITED FUNDS INTO A LIFE INSURANCE POLICY ON THE PARTICIPANT'S LIFE. AT DEATH, THE CREDIT UNION RECOVERS ITS PREMIUMS PLUS INTEREST PLUS ADDITIONAL KEY-PERSON INSURANCE PROCEEDS.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE J, PART III
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03948762
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11143063
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2810536
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3806129
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$544$490$54.3$38.5$36.1$2.34
2023Detailed filing. Detailed filing data is available for this year.$534$483$51.5$35.4$32.7$2.71
2022Detailed filing. Detailed filing data is available for this year.$528$479$48.3$29.3$27.5$1.81
2021Detailed filing. Detailed filing data is available for this year.$534$485$49.2$27.2$25.0$2.14
2020Detailed filing. Detailed filing data is available for this year.$495$448$47.5$26.0$25.2$0.88
2019Detailed filing. Detailed filing data is available for this year.$424$378$46.2$27.3$25.5$1.80
2018Detailed filing. Detailed filing data is available for this year.$405$362$43.6$25.5$23.5$2.02
2017Detailed filing. Detailed filing data is available for this year.$409$367$41.9$24.6$22.2$2.37
2016Detailed filing. Detailed filing data is available for this year.$394$355$39.6$23.7$21.7$1.96
2015Detailed filing. Detailed filing data is available for this year.$369$332$37.7$21.4$19.5$1.87
2014Detailed filing. Detailed filing data is available for this year.$342$306$35.8$21.0$18.2$2.74
2013Detailed filing. Detailed filing data is available for this year.$328$295$32.9$23.1$18.0$5.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$257$233$23.7$16.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$236$215$21.3$16.6