Civic Intelligence

Ascentra Credit Union

990 • Fiscal year 2019 • EIN 42-0747751

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 20, 2020

Organization ProfileWWW.ASCENTRA.ORG

View Organization Page

2019 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

53rd percentile

0.89x

Higher debt load relative to assets than 53% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

22nd percentile

13.87x

Higher debt load relative to revenue than 22% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

11th percentile

6.6%

Higher net margin than 11% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

57th percentile

$454,477

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

33rd percentile

4.6%

Faster asset growth than 33% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

32nd percentile

6.9%

Faster revenue growth than 32% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$424,287,515

Up $18,834,272 (+4.6%) from 2018

Net Assets

Up

$46,222,918

Up $2,598,853 (+6.0%) from 2018

Liabilities

Up

$378,064,597

Up $16,235,419 (+4.5%) from 2018

Revenue And Expenses
Liabilities / Revenue22nd percentileNet Margin11th percentile

Revenue

Up

$27,263,133

Up $1,755,918 (+6.9%) from 2018

Expenses

Up

$25,463,129

Up $1,978,344 (+8.4%) from 2018

Net Income

Down

$1,800,004

Down $222,426 (-11%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth33rd percentile

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

2019

Assets$424,287,515
Liabilities$378,064,597
Net Assets$46,222,918
Open 2019 Filing

Operations Trend

Revenue Growth32nd percentile

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

2019

Revenue$27,263,133
Expenses$25,463,129
Net Income$1,800,004
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 20, 2020
Return Version
2019v5.0
Gross Receipts
$27,263,133
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$303,712,804$297,657,636▼ $6,055,168
Savings and Temporary Cash Investments$33,997,423$49,233,142▲ $15,235,719
Rtn Earn Endowment Incm Other Fnds$30,359,147$32,917,906▲ $2,558,759
Land, Buildings, and Equipment, Net$17,274,889$26,596,465▲ $9,321,576
Investments in Publicly Traded Securities$23,117,665$21,044,368▼ $2,073,297
Pd in Cap Srpls Land Bldg Eqp Fund$13,264,920$13,305,012▲ $40,092
Receivables From Officers Etc$6,163,715$6,298,700▲ $134,985
Cash and Non-Interest-Bearing Accounts$5,857,980$5,374,652▼ $483,328
Prepaid Expenses and Deferred Charges$583,214$712,560▲ $129,346
Accounts Receivable$95,510$24,202▼ $71,308
Total Assets$405,453,243$424,287,515▲ $18,834,272
Other Assets Total$14,650,043$17,345,790▲ $2,695,747
Liabilities
Other Liabilities$332,874,118$351,894,320▲ $19,020,202
Mortgage Notes Payable Secured by Investment Property$19,190,000$14,445,000▼ $4,745,000
Accounts Payable and Accrued Expenses$9,765,058$11,725,277▲ $1,960,219
Total Liabilities$361,829,176$378,064,597▲ $16,235,421
Net Assets / Fund Balance
Total Net Assets Fund Balance$43,624,067$46,222,918▲ $2,598,851
Total Liabilities and Net Assets / Fund Balance$405,453,243$424,287,515▲ $18,834,272

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,646,996$3,566,904$23,213,900
Equipment$2,835,733$4,918,539$7,754,272
Land$4,113,736-$4,113,736
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dale OwenPresident/ceFT$331,278$123,199$454,477
Dale OwenPresident/CEO-$281,436$173,041$454,477
Linda AndryChief Fin ofFT$221,836$66,363$288,199
Linda AndryChief Fin Officer-$189,905$98,294$288,199
Brad KnutsonChief Tech OFT$212,787$66,555$279,342
Brad KnutsonChief Tech Officer-$173,827$105,515$279,342
Becky HansenChief Risk OFT$207,766$63,896$271,662
Becky HansenChief Risk Officer-$173,265$98,397$271,662
Shelly RidgewayChief OperatFT$181,063$57,207$238,270
Shelly RidgewayChief Operations Off-$153,865$84,405$238,270
Jennifer NaeveChief MarketFT$136,740$39,259$175,999
Jennifer NaeveChief Marketing Off.-$113,110$62,889$175,999

Board Members and Trustees

NameTitle
Daniel BirdsleyBoard Member
Gary SchockerBoard Member
Greg AguilarBoard Member
Jay EnglandBoard Member
Ken SchrockBoard 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
$25,171,158
Investment Income
$2,091,975
Other Revenue
$0
Change in Net Assets
$1,800,004

Audited Revenue Reconciliation

Revenue per Audited Statements
$27,263,133
Total Revenue per Audited Statements
$27,263,133
Total Revenue per Form 990
$27,263,133
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,190,677
Salaries, Compensation, and Employee Benefits$10,272,452
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,164,786
All Other Expenses---$1,894,182
Other Expenses---$1,869,700
Current Officers, Directors, Trustees, and Key Employees---$1,502,525
Depreciation Depletion---$1,246,994
Occupancy---$1,073,673
Office Expenses---$914,673
Advertising---$777,813
Other Employee Benefits---$665,362
Payroll Taxes---$570,989
Interest---$381,331
Pension Plan Contributions---$368,790
Conferences and Meetings---$172,349
Insurance---$132,649
Fees for Services Accounting---$86,657
Fees for Services Legal---$14,038
Total Functional Expenses$0$0$0$25,463,129

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$25,463,129
Total Expenses per Audited Statements$25,463,129
Total Expenses per Form 990$25,463,129
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$6,163,715$6,298,700▲ $134,985
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$351,894,320
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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, 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
2019 GRANT ST, BETTENDORF, IA 52722

Signing Officer

Name
Linda Andry
Title
Chief Fin Officer
Phone
8004265241
Signed
2020-04-20

Organization Details

Principal Officer
Dale Owen
Formed
1950
Legal Domicile
Ia
Voting Board Members
11
Independent Board Members
11
Employees
197
Volunteers
11

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 XI, Line 9

“Net change in investment valuation reserve 697,807 equity from merger 101,040 total 798,847”

Raw XML AppendixShowing 400 of 505 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/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt027263133
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt0132649
IRS990/InterestGrp/TotalAmt0381331
IRS990/InvestmentIncomeGrp/ExclusionAmt02091975
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02091975
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt023117665
IRS990/InvestmentsPubTradedSecGrp/EOYAmt021044368
IRS990/IRPDocumentCnt014878
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08485443
IRS990/LandBldgEquipBasisNetGrp/BOYAmt017274889
IRS990/LandBldgEquipBasisNetGrp/EOYAmt026596465
IRS990/LandBldgEquipCostOrOtherBssAmt035081908
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/BOYAmt019190000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt014445000
IRS990/NetAssetsOrFundBalancesBOYAmt043624067
IRS990/NetAssetsOrFundBalancesEOYAmt046222918
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt01073673
IRS990/OfficeExpensesGrp/TotalAmt0914673
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014650043
IRS990/OtherAssetsTotalGrp/EOYAmt017345790
IRS990/OtherChangesInNetAssetsAmt0798847
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0665362
IRS990/OtherExpensesGrp/Desc0DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc1OTHER PROFESSIONAL SERVIC
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt02418648
IRS990/OtherExpensesGrp/TotalAmt12178751
IRS990/OtherExpensesGrp/TotalAmt22029219
IRS990/OtherExpensesGrp/TotalAmt31869700
IRS990/OtherLiabilitiesGrp/BOYAmt0332874118
IRS990/OtherLiabilitiesGrp/EOYAmt0351894320
IRS990/OtherSalariesAndWagesGrp/TotalAmt07164786
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0303712804
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0297657636
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0570989
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt013264920
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt013305012
IRS990/PensionPlanContributionsGrp/TotalAmt0368790
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0583214
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0712560
IRS990/PrincipalOfficerNm0DALE OWEN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt015532629
IRS990/ProgramServiceRevenueGrp/ExclusionAmt16466713
IRS990/ProgramServiceRevenueGrp/ExclusionAmt23171816
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt015532629
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16466713
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23171816
IRS990/ProgSrvcAccomActyOtherGrp/Desc0N/A
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt02010891
IRS990/PYOtherExpensesAmt014519596
IRS990/PYProgramServiceRevenueAmt023496324
IRS990/PYRevenuesLessExpensesAmt02022432
IRS990/PYSalariesCompEmpBnftPaidAmt08965187
IRS990/PYTotalExpensesAmt023484783
IRS990/PYTotalRevenueAmt025507215
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt06163715
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt06298700
IRS990/ReconcilationRevenueExpnssAmt01800004
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt030359147
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt032917906
IRS990/SavingsAndTempCashInvstGrp/BOYAmt033997423
IRS990/SavingsAndTempCashInvstGrp/EOYAmt049233142
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt019646996
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03566904
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt023213900
IRS990ScheduleD/EquipmentGrp/BookValueAmt02835733
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04918539
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt07754272
IRS990ScheduleD/ExpensesSubtotalAmt025463129
IRS990ScheduleD/LandGrp/BookValueAmt04113736
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04113736
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0351894320
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt027263133
IRS990ScheduleD/TotalBookValueLandBuildingsAmt026596465
IRS990ScheduleD/TotalExpensesPerForm990Amt025463129
IRS990ScheduleD/TotalLiabilityAmt0351894320
IRS990ScheduleD/TotalRevenuePerForm990Amt027263133
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt027263133
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt025463129
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0281436
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1189905
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2173827
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3173265
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4153865
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5113110
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount025144
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount118208
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount222072
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount317769
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount416353
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount513658
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0115300
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt162479
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt259296
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt361887
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt455025
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt537504
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt07899
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt13884
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt27259
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt32009
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt42182
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt51755
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt024698
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt113723
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt216888
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt316732
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt410845
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt59972
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DALE OWEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1LINDA ANDRY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2BRAD KNUTSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3BECKY HANSEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4SHELLY RIDGEWAY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5JENNIFER NAEVE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CHIEF FIN OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CHIEF TECH OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3CHIEF RISK OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4CHIEF OPERATIONS OFF
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5CHIEF MARKETING OFF.
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0454477
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1288199
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2279342
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3271662
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt4238270
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt5175999
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0DALE OWEN 0 165,630 0 LINDA ANDRY 0 51,316 0 BRAD KNUTSON 0 31,082 0 BECKY HANSEN 0 408 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/BalanceDueAmt04213919
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11219819
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2864962
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT DOLLAR LIFE INSURANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SPLIT DOLLAR LIFE INSURNACE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2SPLIT DOLLAR LIFE INSURANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt03800000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt11100000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2780000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0DALE OWEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BRAD KNUTSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2LINDA ANDRY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$424,287,515
Liabilities
$378,064,597
Net assets
$46,222,918
Revenue
$27,263,133
Expenses
$25,463,129
Net income
$1,800,004
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