Civic Intelligence

Flasher Community Credit Union

EIN 45-0135235 • 501(c)14 • Flasher, ND

View Organization Page

Profile

Lending and savings for our members

PO Box 266Flasher, ND 58535-0266

flashercreditunion.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2024

Net Margin

70th percentile

-19%

Higher net margin than 70% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2024

Top Officer Pay

30th percentile

$1,500

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2024

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

21st percentile

-76%

Faster revenue growth than 21% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $13,366,878 (-100%) from 2023

Liabilities

Down

$0

Down $12,131,196 (-100%) from 2023

Net Assets

Down

$0

Down $1,235,682 (-100%) from 2023

Operations
Liabilities / Revenue96th percentileNet Margin70th percentile

Revenue

Down

$157,085

Down $511,257 (-76%) from 2023

Expenses

Down

$187,480

Down $450,937 (-71%) from 2023

Net Income

Down

-$30,395

Down $60,320 (-202%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$20M$15M$10M$5.0M$0Assets 2012: $7,844,236Liabilities 2012: $7,279,183Net Assets 2012: $565,0532012Assets 2013: $8,403,821Liabilities 2013: $7,727,701Net Assets 2013: $676,1202013Assets 2014: $10,251,701Liabilities 2014: $9,506,470Net Assets 2014: $745,2312014Assets 2015: $11,840,764Liabilities 2015: $11,009,094Net Assets 2015: $831,6702015Assets 2016: $12,578,288Liabilities 2016: $11,683,164Net Assets 2016: $895,1242016Assets 2017: $11,788,068Liabilities 2017: $10,825,700Net Assets 2017: $962,3682017Assets 2018: $10,363,954Liabilities 2018: $9,338,407Net Assets 2018: $1,025,5472018Assets 2019: $11,025,053Liabilities 2019: $9,958,893Net Assets 2019: $1,066,1602019Assets 2020: $11,901,113Liabilities 2020: $10,814,735Net Assets 2020: $1,086,3782020Assets 2021: $14,653,423Liabilities 2021: $13,507,395Net Assets 2021: $1,146,0282021Assets 2022: $15,639,017Liabilities 2022: $14,433,260Net Assets 2022: $1,205,7572022Assets 2023: $13,366,878Liabilities 2023: $12,131,196Net Assets 2023: $1,235,6822023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2024

Assets$0
Liabilities$0
Net Assets$0
Open 2024 Filing

Operations Trend

Revenue Growth21st percentile

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

$800K$600K$400K$200K$0-$200KRevenue 2012: $447,707Expenses 2012: $353,345Net Income 2012: $94,3622012Revenue 2013: $449,846Expenses 2013: $338,779Net Income 2013: $111,0672013Revenue 2014: $452,571Expenses 2014: $383,460Net Income 2014: $69,1112014Revenue 2015: $456,873Expenses 2015: $370,434Net Income 2015: $86,4392015Revenue 2016: $466,359Expenses 2016: $402,905Net Income 2016: $63,4542016Revenue 2017: $442,630Expenses 2017: $375,387Net Income 2017: $67,2432017Revenue 2018: $475,261Expenses 2018: $412,082Net Income 2018: $63,1792018Revenue 2019: $469,425Expenses 2019: $428,812Net Income 2019: $40,6132019Revenue 2020: $443,862Expenses 2020: $423,644Net Income 2020: $20,2182020Revenue 2021: $475,791Expenses 2021: $416,141Net Income 2021: $59,6502021Revenue 2022: $536,542Expenses 2022: $476,813Net Income 2022: $59,7292022Revenue 2023: $668,342Expenses 2023: $638,417Net Income 2023: $29,9252023Revenue 2024: $157,085Expenses 2024: $187,480Net Income 2024: -$30,3952024

Highlighted filing

2024

Revenue$157,085
Expenses$187,480
Net Income-$30,395
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$157,085
Expenses
$187,480
Net income
-$30,395
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.16$0.19$0.03
2023Detailed filing. Detailed filing data is available for this year.$13.4$12.1$1.24$0.67$0.64$0.03
2022Detailed filing. Detailed filing data is available for this year.$15.6$14.4$1.21$0.54$0.48$0.06
2021Detailed filing. Detailed filing data is available for this year.$14.7$13.5$1.15$0.48$0.42$0.06
2020Detailed filing. Detailed filing data is available for this year.$11.9$10.8$1.09$0.44$0.42$0.02
2019Detailed filing. Detailed filing data is available for this year.$11.0$9.96$1.07$0.47$0.43$0.04
2018Detailed filing. Detailed filing data is available for this year.$10.4$9.34$1.03$0.48$0.41$0.06
2017Detailed filing. Detailed filing data is available for this year.$11.8$10.8$0.96$0.44$0.38$0.07
2016Detailed filing. Detailed filing data is available for this year.$12.6$11.7$0.90$0.47$0.40$0.06
2015Detailed filing. Detailed filing data is available for this year.$11.8$11.0$0.83$0.46$0.37$0.09
2014Detailed filing. Detailed filing data is available for this year.$10.3$9.51$0.75$0.45$0.38$0.07
2013Summary only. Only limited summary data is available for this year.$8.40$7.73$0.68$0.45$0.34$0.11
2012Summary only. Only limited summary data is available for this year.$7.84$7.28$0.57$0.45$0.35$0.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Feb 23, 2025
Return Version
2024v5.0
Gross Receipts
$157,812
Mission and Program Overview

Mission

Lending and savings for our members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,455,907$0▼ $8,455,907
Savings and Temporary Cash Investments$4,772,880$0▼ $4,772,880
Rtn Earn Endowment Incm Other Fnds$1,235,682$0▼ $1,235,682
Cash and Non-Interest-Bearing Accounts$137,802$0▼ $137,802
Prepaid Expenses and Deferred Charges$26,789$0▼ $26,789
Land, Buildings, and Equipment, Net$8,630$0▼ $8,630
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$13,366,878$0▼ $13,366,878
Other Assets Total$-35,130$0▲ $35,130
Liabilities
Other Liabilities$12,082,434$0▼ $12,082,434
Accounts Payable and Accrued Expenses$48,762$0▼ $48,762
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$12,131,196$0▼ $12,131,196
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,235,682$0▼ $1,235,682
Total Liabilities and Net Assets / Fund Balance$13,366,878$0▼ $13,366,878
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleBaseTotal
Elwood BarthDirector$1,500$1,500
Jerlyn GabrielsonDirector$1,500$1,500
Jacklyne CarlsonDirector$1,000$1,000
Vicki KrenzDirector$1,000$1,000
Kelly HetzelDirector$500$500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$117,054
Investment Income
$39,563
Other Revenue
$468
All Other Contributions
$0
Change in Net Assets
$-30,395
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$151,852
Salaries, Compensation, and Employee Benefits$35,628
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$0$0$0$42,502
Other Salaries and Wages$0$0$0$30,645
Interest$0$0$0$21,078
Office Expenses$0$0$0$13,950
Conferences and Meetings$0$0$0$5,975
Fees for Services Other$0$0$0$5,787
Occupancy$0$0$0$4,085
Depreciation Depletion$0$0$0$3,885
Payroll Taxes$0$0$0$3,736
Fees for Services Accounting$0$0$0$3,654
Information Technology$0$0$0$3,362
Insurance$0$0$0$3,124
Advertising$0$0$0$2,370
Fees for Services Legal$0$0$0$1,380
Pension Plan Contributions$0$0$0$1,112
Other Employee Benefits$0$0$0$135
Total Functional Expenses$0$0$0$187,480
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

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

Governance Explanations

Part VI, Line 3

“Flasher Community Credit Union entered into a management agreement with Capital Credit Union effective September 1 2023. Capital Credit Union assumed the general management of the operations of Flasher. Services provided by Capital included executive supervision; hiring training and supervision of all Flasher employees; contracting for and supervision of routine repairs maintenance replacements and additions; theft control; and monthly financial statement preparation. No compensation was provided to Flashers current or former officers directors trustees key employees or highly compensated employees by Capital Credit Union.”

Part VI, Line 6

“Member owned”

Part VI, Line 7A

“Directors elected by membership of the credit union at the annual meeting”

Part VI, Line 7B

“Members can override the Board of Directors decisions”

Part VI, Line 11A

“Management reviews”

Part VI, Line 19

“Upon request at Flasher location”

Filing and Contact Details

Filer

Filer Name
Flasher Community Credit Union
EIN
45-0135235
In Care Of
% Flasher Community Credit Union
Phone
7012550042
Address
PO BOX 266, FLASHER, ND 58535-0266

Signing Officer

Name
Ryan Monson
Title
Chief Financial Officer
Signed
2025-02-23

Organization Details

Formed
1939
Legal Domicile
Nd
Voting Board Members
0
Independent Board Members
0
Employees
0
Volunteers
5
Supplemental Narrative

Additional Explanations

Part IX, Line 24E

“List of expenses for Line 24e: League Dues $400 Golden Horizons Club $522 HFS Services $37,429; Cash Over & Short $174 Miscellaneous Operating Expense $3,976”

Part XI, Line 9

“| Description:, Explanation:, Amount:| Merger, Flasher CCU last day of operation was 3 31 2024. As of 4 1 2024 Flasher CCU merged with Capital CU., $-1205287|”

Raw XML AppendixShowing 400 of 689 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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