Civic Intelligence

Employees Credit Union

EIN 42-0772828 • 501(c)14 • Estherville, IA

Profile

State chartered credit union

Refreshing map…

2714 Central AveEstherville, IA 51334

www.employeescu.com

Siviq Scores

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

Liabilities / Assets

10th percentile

0.80x

Higher debt load relative to assets than 10% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

27th percentile

12.97x

Higher debt load relative to revenue than 27% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

82nd percentile

21%

Higher net margin than 82% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

88th percentile

$389,803

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

90th percentile

9.7%

Faster asset growth than 90% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

79th percentile

20%

Faster revenue growth than 79% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets10th percentile

Assets

Up

$174,076,159

Up $26,253,945 (+18%) from 2022

Liabilities

Up

$139,587,351

Up $21,950,244 (+19%) from 2022

Net Assets

Up

$34,488,808

Up $4,303,701 (+14%) from 2022

Operations
Liabilities / Revenue27th percentileNet Margin82nd percentile

Revenue

Up

$10,760,989

Up $4,543,242 (+73%) from 2022

Expenses

Up

$8,456,816

Up $4,583,729 (+118%) from 2022

Net Income

Down

$2,304,173

Down $40,487 (-1.7%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth90th percentile

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

$200M$150M$100M$50M$0Assets 2011: $74,783,256Liabilities 2011: $63,293,028Net Assets 2011: $11,490,2282011Assets 2013: $79,022,782Liabilities 2013: $65,332,038Net Assets 2013: $13,690,7442013Assets 2014: $83,723,629Liabilities 2014: $68,806,035Net Assets 2014: $14,917,5942014Assets 2015: $85,982,836Liabilities 2015: $69,463,347Net Assets 2015: $16,519,4892015Assets 2016: $89,808,852Liabilities 2016: $71,664,233Net Assets 2016: $18,144,6192016Assets 2017: $93,937,316Liabilities 2017: $74,152,832Net Assets 2017: $19,784,4842017Assets 2018: $97,494,304Liabilities 2018: $76,387,841Net Assets 2018: $21,106,4632018Assets 2019: $105,357,507Liabilities 2019: $82,540,801Net Assets 2019: $22,816,7062019Assets 2020: $118,458,064Liabilities 2020: $93,243,915Net Assets 2020: $25,214,1492020Assets 2021: $136,420,831Liabilities 2021: $108,580,384Net Assets 2021: $27,840,4472021Assets 2022: $147,822,214Liabilities 2022: $117,637,107Net Assets 2022: $30,185,1072022Assets 2024: $174,076,159Liabilities 2024: $139,587,351Net Assets 2024: $34,488,8082024

Highlighted filing

2024

Assets$174,076,159
Liabilities$139,587,351
Net Assets$34,488,808
Open 2024 Filing

Operations Trend

Revenue Growth79th percentile

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

$15M$10M$5.0M$0Expenses 2011: $2,050,9592011Revenue 2013: $3,156,470Expenses 2013: $1,937,979Net Income 2013: $1,218,4912013Revenue 2014: $3,397,296Expenses 2014: $2,170,446Net Income 2014: $1,226,8502014Revenue 2015: $3,634,208Expenses 2015: $2,032,313Net Income 2015: $1,601,8952015Revenue 2016: $3,882,752Expenses 2016: $2,257,622Net Income 2016: $1,625,1302016Revenue 2017: $4,300,269Expenses 2017: $2,660,404Net Income 2017: $1,639,8652017Revenue 2018: $4,772,825Expenses 2018: $3,450,846Net Income 2018: $1,321,9792018Revenue 2019: $5,485,363Expenses 2019: $3,775,122Net Income 2019: $1,710,2412019Revenue 2020: $5,619,668Expenses 2020: $3,222,225Net Income 2020: $2,397,4432020Revenue 2021: $5,411,301Expenses 2021: $2,785,003Net Income 2021: $2,626,2982021Revenue 2022: $6,217,747Expenses 2022: $3,873,087Net Income 2022: $2,344,6602022Revenue 2024: $10,760,989Expenses 2024: $8,456,816Net Income 2024: $2,304,1732024

Highlighted filing

2024

Revenue$10,760,989
Expenses$8,456,816
Net Income$2,304,173
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$174,076,159
Liabilities
$139,587,351
Net assets
$34,488,808
Revenue
$10,760,989
Expenses
$8,456,816
Net income
$2,304,173
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$174$140$34.5$10.8$8.46$2.30
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$148$118$30.2$6.22$3.87$2.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$136$109$27.8$5.41$2.79$2.63
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$118$93.2$25.2$5.62$3.22$2.40
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$105$82.5$22.8$5.49$3.78$1.71
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$97.5$76.4$21.1$4.77$3.45$1.32
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$93.9$74.2$19.8$4.30$2.66$1.64
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$89.8$71.7$18.1$3.88$2.26$1.63
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$86.0$69.5$16.5$3.63$2.03$1.60
2014Detailed filing. Detailed filing data is available for this year.$83.7$68.8$14.9$3.40$2.17$1.23
2013Detailed filing. Detailed filing data is available for this year.$79.0$65.3$13.7$3.16$1.94$1.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.8$63.3$11.5$2.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.0
Gross Receipts
$10,760,989
Mission and Program Overview

Mission

To be our members optimum service center for their financial needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$86,995,968$88,977,954▲ $1,981,986
Savings and Temporary Cash Investments$44,763,688$49,648,928▲ $4,885,240
Rtn Earn Endowment Incm Other Fnds$32,184,634$34,488,808▲ $2,304,174
Investments Program Related$24,191,464$32,625,181▲ $8,433,717
Land, Buildings, and Equipment, Net$603,619$556,169▼ $47,450
Cash and Non-Interest-Bearing Accounts$296,112$348,948▲ $52,836
Prepaid Expenses and Deferred Charges$26,626$49,280▲ $22,654
Total Assets$158,633,797$174,076,159▲ $15,442,362
Other Assets Total$1,756,320$1,869,699▲ $113,379
Liabilities
Other Liabilities$125,982,056$139,073,594▲ $13,091,538
Accounts Payable and Accrued Expenses$284,150$325,157▲ $41,007
Escrow Account Liability$182,957$188,600▲ $5,643
Total Liabilities$126,449,163$139,587,351▲ $13,138,188
Net Assets / Fund Balance
Total Net Assets Fund Balance$32,184,634$34,488,808▲ $2,304,174
Total Liabilities and Net Assets / Fund Balance$158,633,797$174,076,159▲ $15,442,362

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$387,651$684,687$1,072,338
Equipment$82,175$883,933$966,108
Land$86,343-$86,343
Investment Program Related Org$35,433--
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark PetersCEOFT$263,383$126,420$389,803
Laurel HashLoan ManagerFT$115,029$22,605$137,634
Dallas QuastadLoan OfficerFT$101,776$21,412$123,188

Board Members and Trustees

NameTitle
Charlie NourseBoard Chair
Edward MunnBoard Chair
Sheila BorchersVice Chair
Dan JondleDirector
Danny HoffmanDirector
Jeanne HandelandDirector
Justine ChrestiansenDirector
Terry ClarkDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Co-op SolutionsCard Processing9692 HAVEN AVE, Rancho Cucamonga, CA 91730$294,225
Computer Marketing CorpCore System8520 S SANDY PARKWAY, Sandy, UT 84070$136,861
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,238,860
Investment Income
$3,522,129
Other Revenue
$0
Change in Net Assets
$2,304,173
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,881,634
Salaries, Compensation, and Employee Benefits$1,566,694
Grants and Similar Amounts Paid$8,488
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$886,933
Office Expenses---$339,059
Current Officers, Directors, Trustees, and Key Employees---$318,383
Other Expenses---$282,419
Other Employee Benefits---$171,839
Pension Plan Contributions---$102,283
Payroll Taxes---$87,256
Occupancy---$67,634
Information Technology---$62,855
Depreciation Depletion---$56,956
Fees for Services Accounting---$45,093
Conferences and Meetings---$29,208
Advertising---$22,877
Insurance---$21,114
Grants to Domestic Orgs---$8,488
Fees for Services Legal---$1,506
Interest---$13
Total Functional Expenses$0$0$0$8,456,816
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 Shares & Deposits$138,871,401
457 Plan Liability$390,793
Escrow Accts to Line 21 Bal Sheet$-188,600
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
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

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

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

“The board of directors is elected by the credit union members. Each member has one vote.”

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

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

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

“Ceo provides data to independent cpa who prepares the return. Ceo reviews the return for accuracy, and then authorizes cpa to e-file approved return. Management then informs board of directors it is available for review.”

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

“Conflict of interest policy is signed by all members of the board of directors.”

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

“Compensation committee comprised of elected directors determines and approves the ceo compensation. Committee uses peer data / salary survey as part of the process. Approval by the board is documented.”

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

“Ceo recommends wages of all other employees to board of directors for approval. The board approval is documented.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and conflict of interest policy available upon member request. Financial statements are posted in the lobby.”

Filing and Contact Details

Filer

Filer Name
Employees Credit Union
EIN
42-0772828
Phone
7123625897
Address
2714 CENTRAL AVE, ESTHERVILLE, IA 51334

Signing Officer

Name
Mark Peters
Title
CEO
Phone
7123625897
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mark Peters
Formed
1947
Legal Domicile
Ia
Voting Board Members
8
Independent Board Members
7
Employees
16
Volunteers
7

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“ROUNDING 1”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The credit union holds funds in escrow accounts for property taxes and homeowners insurance related to mortgage loans.”

Raw XML AppendixShowing 400 of 429 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
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IRS990/BooksInCareOfDetail/PhoneNum07123625897
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IRS990/BooksInCareOfDetail/USAddress/ZIPCd051334
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IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0318383
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt029208
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0294225
IRS990/ContractorCompensationGrp/CompensationAmt1136861
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0RANCHO CUCAMONGA
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IRS990/ContractorCompensationGrp/ServicesDesc1CORE SYSTEM
IRS990/CreditCounselingInd0true
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IRS990/CYTotalExpensesAmt08456816
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt010760989
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt056956
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 590 NEW DEPOSIT ACCOUNTS IN 2024. AS OF 12/31/24 WE HAD 8,973 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
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IRS990/DonorRstrOrQuasiEndowmentsInd0false
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1LOAN MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt2LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
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IRS990/InvestmentsProgramRelatedGrp/EOYAmt032625181
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt0556169
IRS990/LandBldgEquipCostOrOtherBssAmt02124789
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IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO BE OUR MEMBERS OPTIMUM SERVICE CENTER FOR THEIR FINANCIAL NEEDS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt032184634
IRS990/NetAssetsOrFundBalancesEOYAmt034488808
IRS990/NondeductibleContributionsInd0false
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IRS990/OfficeExpensesGrp/TotalAmt0339059
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01756320
IRS990/OtherAssetsTotalGrp/EOYAmt01869699
IRS990/OtherChangesInNetAssetsAmt01
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0171839
IRS990/OtherExpensesGrp/Desc0DIVIDENDS EXPENSE
IRS990/OtherExpensesGrp/Desc1CREDIT LOSS EXPENSE
IRS990/OtherExpensesGrp/Desc2DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/TotalAmt05362767
IRS990/OtherExpensesGrp/TotalAmt1590133
IRS990/OtherExpensesGrp/TotalAmt2282419
IRS990/OtherLiabilitiesGrp/BOYAmt0125982056
IRS990/OtherLiabilitiesGrp/EOYAmt0139073594
IRS990/OtherSalariesAndWagesGrp/TotalAmt0886933
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt086995968
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt088977954
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt087256
IRS990/PensionPlanContributionsGrp/TotalAmt0102283
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt026626
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt049280
IRS990/PrincipalOfficerNm0MARK PETERS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER MEMBER RELATED INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FEE & INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06284876
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1714665
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2239013
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06284876
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1714665
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2239013
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3306
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0306
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 6,149 NEW LOANS DURING 2024. AS OF 12/31/24 WE HAD 6,240 OUTSTANDING LOANS RECEIVABLE.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt08125
IRS990/PYInvestmentIncomeAmt02613375
IRS990/PYOtherExpensesAmt05532399
IRS990/PYProgramServiceRevenueAmt06359154
IRS990/PYRevenuesLessExpensesAmt01999526
IRS990/PYSalariesCompEmpBnftPaidAmt01432479
IRS990/PYTotalExpensesAmt06973003
IRS990/PYTotalRevenueAmt08972529
IRS990/ReconcilationRevenueExpnssAmt02304173
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt032184634
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt034488808
IRS990/SavingsAndTempCashInvstGrp/BOYAmt044763688
IRS990/SavingsAndTempCashInvstGrp/EOYAmt049648928
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0387651
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0684687
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01072338
IRS990ScheduleD/EquipmentGrp/BookValueAmt082175
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0883933
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0966108
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt032314149
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1275599
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt235433
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS WITH MATURITY > 1 YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CBL CUSO REVOLVING LOAN
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CBL CUSO EQUITY
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/LandGrp/BookValueAmt086343
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt086343
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0138871401
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1390793
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2-188600
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1457 PLAN LIABILITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ESCROW ACCTS TO LINE 21 BAL SHEET
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0556169
IRS990ScheduleD/TotalBookValueProgramRltdAmt032625181
IRS990ScheduleD/TotalLiabilityAmt0139073594
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0263383
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount020000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt035000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt045837
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt025583
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt035000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MARK PETERS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0389803
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0MARK PETERS 0 20,000 0
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1MARK PETERS, CEO PARTICIPATES IN A 457(F) PLAN. THE AMOUNT SHOWN ABOVE AS NONQUALIFIED IS THE EMPLOYER CONTRIBUTION TO THE PLAN FOR THIS YEAR. MARK PETERS, CEO RECEIVED A DISTRIBUTION OF 35,000 FROM THE 457(F) PLAN IN 2024. THIS IS SHOWN IN PART II OF SCHEDULE J.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE J, PART III
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO PROVIDES DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. CEO REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE APPROVED RETURN. MANAGEMENT THEN INFORMS BOARD OF DIRECTORS IT IS AVAILABLE FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONFLICT OF INTEREST POLICY IS SIGNED BY ALL MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION COMMITTEE COMPRISED OF ELECTED DIRECTORS DETERMINES AND APPROVES THE CEO COMPENSATION. COMMITTEE USES PEER DATA / SALARY SURVEY AS PART OF THE PROCESS. APPROVAL BY THE BOARD IS DOCUMENTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CEO RECOMMENDS WAGES OF ALL OTHER EMPLOYEES TO BOARD OF DIRECTORS FOR APPROVAL. THE BOARD APPROVAL IS DOCUMENTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY AVAILABLE UPON MEMBER REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ROUNDING 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0158633797
IRS990/TotalAssetsEOYAmt0174076159
IRS990/TotalAssetsGrp/BOYAmt0158633797
IRS990/TotalAssetsGrp/EOYAmt0174076159
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt08456816
IRS990/TotalGrossUBIAmt0306
IRS990/TotalLiabilitiesBOYAmt0126449163
IRS990/TotalLiabilitiesEOYAmt0139587351
IRS990/TotalLiabilitiesGrp/BOYAmt0126449163
IRS990/TotalLiabilitiesGrp/EOYAmt0139587351
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt032184634
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt034488808
IRS990/TotalOtherCompensationAmt0115437
IRS990/TotalProgramServiceRevenueAmt07238860
IRS990/TotalReportableCompFromOrgAmt0535188
IRS990/TotalRevenueGrp/ExclusionAmt03522129
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt07238554
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt010760989
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0306
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0158633797
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0174076159
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02714 CENTRAL AVE
IRS990/USAddress/CityNm0ESTHERVILLE
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd051334
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0EMPLOYEESCU.COM
IRS990/WhistleblowerPolicyInd0true
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