Civic Intelligence

First Community Credit Union

EIN 45-0226664 • 501(c)14 • Jamestown, ND

Profile

To provide individualized financial solutions for our members through competitive products and well-trained and empowered employees.

PO Box 2180Jamestown, ND 58401

www.myfccu.com

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.89x

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

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

53rd percentile

15.39x

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

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

62nd percentile

11%

Higher net margin than 62% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

11th percentile

$579,025

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

501(c)14 • $1B+ nonprofits • Source year 2024

Asset Growth

35th percentile

0.8%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

48th percentile

16%

Faster revenue growth than 48% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Assets

Up

$1,327,869,515

Up $11,077,092 (+0.8%) from 2023

Liabilities

Up

$1,180,731,607

Up $1,868,090 (+0.2%) from 2023

Net Assets

Up

$147,137,908

Up $9,209,002 (+6.7%) from 2023

Revenue

Up

$76,733,253

Up $10,749,966 (+16%) from 2023

Expenses

Up

$68,279,557

Up $12,885,074 (+23%) from 2023

Net Income

Down

$8,453,696

Down $2,135,108 (-20%) from 2023

Trend Graphs

Balance Sheet Trend

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

$1.5B$1.0B$500M$0Assets 2010: $338,017,767Liabilities 2010: $301,689,768Net Assets 2010: $36,327,9992010Assets 2011: $382,579,235Liabilities 2011: $340,932,902Net Assets 2011: $41,646,3332011Assets 2012: $435,102,304Liabilities 2012: $386,699,786Net Assets 2012: $48,402,5182012Assets 2013: $474,165,366Liabilities 2013: $420,104,022Net Assets 2013: $54,061,3442013Assets 2014: $516,299,138Liabilities 2014: $453,887,971Net Assets 2014: $62,411,1672014Assets 2015: $544,040,067Liabilities 2015: $474,002,015Net Assets 2015: $70,038,0522015Assets 2016: $567,043,264Liabilities 2016: $489,978,990Net Assets 2016: $77,064,2742016Assets 2017: $620,644,273Liabilities 2017: $535,441,352Net Assets 2017: $85,202,9212017Assets 2018: $827,278,460Liabilities 2018: $720,948,976Net Assets 2018: $106,329,4842018Assets 2019: $851,824,528Liabilities 2019: $735,228,053Net Assets 2019: $116,596,4752019Assets 2020: $946,751,216Liabilities 2020: $817,522,511Net Assets 2020: $129,228,7052020Assets 2021: $1,060,866,226Liabilities 2021: $923,698,336Net Assets 2021: $137,167,8902021Assets 2022: $1,195,741,212Liabilities 2022: $1,070,946,411Net Assets 2022: $124,794,8012022Assets 2023: $1,316,792,423Liabilities 2023: $1,178,863,517Net Assets 2023: $137,928,9062023Assets 2024: $1,327,869,515Liabilities 2024: $1,180,731,607Net Assets 2024: $147,137,9082024

Highlighted filing

2024

Assets$1,327,869,515
Liabilities$1,180,731,607
Net Assets$147,137,908

Operations Trend

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

$80M$60M$40M$20M$0Expenses 2010: $20,093,6952010Expenses 2011: $18,794,8352011Expenses 2012: $17,550,2672012Revenue 2013: $25,148,181Expenses 2013: $18,313,278Net Income 2013: $6,834,9032013Revenue 2014: $26,095,516Expenses 2014: $20,158,389Net Income 2014: $5,937,1272014Revenue 2015: $28,720,275Expenses 2015: $21,231,834Net Income 2015: $7,488,4412015Revenue 2016: $28,979,708Expenses 2016: $21,779,515Net Income 2016: $7,200,1932016Revenue 2017: $31,881,327Expenses 2017: $23,711,293Net Income 2017: $8,170,0342017Revenue 2018: $44,840,630Expenses 2018: $37,460,145Net Income 2018: $7,380,4852018Revenue 2019: $47,098,566Expenses 2019: $38,838,200Net Income 2019: $8,260,3662019Revenue 2020: $49,070,121Expenses 2020: $39,663,852Net Income 2020: $9,406,2692020Revenue 2021: $50,434,728Expenses 2021: $37,700,549Net Income 2021: $12,734,1792021Revenue 2022: $51,869,328Expenses 2022: $41,423,974Net Income 2022: $10,445,3542022Revenue 2023: $65,983,287Expenses 2023: $55,394,483Net Income 2023: $10,588,8042023Revenue 2024: $76,733,253Expenses 2024: $68,279,557Net Income 2024: $8,453,6962024

Highlighted filing

2024

Revenue$76,733,253
Expenses$68,279,557
Net Income$8,453,696

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,328$1,181$147$76.7$68.3$8.45
2023Summary only. Only limited summary data is available for this year.$1,317$1,179$138$66.0$55.4$10.6
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,196$1,071$125$51.9$41.4$10.4
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,061$924$137$50.4$37.7$12.7
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$947$818$129$49.1$39.7$9.41
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$852$735$117$47.1$38.8$8.26
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$827$721$106$44.8$37.5$7.38
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$621$535$85.2$31.9$23.7$8.17
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$567$490$77.1$29.0$21.8$7.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$544$474$70.0$28.7$21.2$7.49
2014Detailed filing. Detailed filing data is available for this year.$516$454$62.4$26.1$20.2$5.94
2013Detailed filing. Detailed filing data is available for this year.$474$420$54.1$25.1$18.3$6.83
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$435$387$48.4$17.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$383$341$41.6$18.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$338$302$36.3$20.1
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 7, 2025
Return Version
2024v5.2
Gross Receipts
$76,737,494
Mission and Program Overview

Mission

To provide individualized financial solutions for our members through competitive products and well-trained and empowered employees.

Strengthen community by helping members grow & thrive

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$945,936,859$987,325,653▲ $41,388,794
Investments Program Related$205,583,773$224,483,123▲ $18,899,350
Rtn Earn Endowment Incm Other Fnds$137,928,906$147,137,908▲ $9,209,002
Land, Buildings, and Equipment, Net$39,687,924$40,289,153▲ $601,229
Savings and Temporary Cash Investments$22,984,816$19,587,787▼ $3,397,029
Cash and Non-Interest-Bearing Accounts$57,034,483$8,562,329▼ $48,472,154
Receivables From Officers Etc$4,654,128$4,775,004▲ $120,876
Investments Other Securities$2,517,600$4,525,400▲ $2,007,800
Prepaid Expenses and Deferred Charges$4,661,423$2,695,050▼ $1,966,373
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,316,792,423$1,327,869,515▲ $11,077,092
Other Assets Total$33,731,417$35,626,016▲ $1,894,599
Liabilities
Other Liabilities$1,022,289,161$1,084,923,693▲ $62,634,532
Unsecured Notes Loans Payable$145,037,108$83,013,983▼ $62,023,125
Accounts Payable and Accrued Expenses$11,537,248$12,793,931▲ $1,256,683
Total Liabilities$1,178,863,517$1,180,731,607▲ $1,868,090
Net Assets / Fund Balance
Total Net Assets Fund Balance$137,928,906$147,137,908▲ $9,209,002
Total Liabilities and Net Assets / Fund Balance$1,316,792,423$1,327,869,515▲ $11,077,092

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$29,861,310$11,671,500$41,532,810
Equipment$2,441,600$6,127,532$8,569,132
Land$7,525,568-$7,525,568
Other Land Buildings$460,675$284,215$744,890
Investment Program Related Org$5,809,383--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steve SchmitzCEOFT$448,869$130,156$579,025
Darin FinckChief Lending OfficerFT$245,785$73,626$319,411
Craig GrundstromChief Development OfficerFT$249,731$64,947$314,678
Sean RinkenbergerCFOFT$214,817$82,353$297,170
Steve DavisSVP Mortgage LendingFT$217,231$50,796$268,027
James VollrathChief Technology OfficerFT$189,823$71,304$261,127
Stephanie FinckCOOFT$192,898$65,415$258,313
Bonnie NelsonSecretary-$7,200-$7,200
Chris AarhusDirector-$7,200-$7,200
Colin WegenastDirector-$7,200-$7,200
Douglas KalianoffDirector-$7,200-$7,200
Mark WatneDirector-$7,200-$7,200
Owen OlsonChairman-$7,200-$7,200
Sharman ZachrisonDirector-$7,200-$7,200

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuveleraCredit/debit Card Processor580 CARILLON PARKWAY, St Petersburg, FL 33716$2,131,090
Hillerud Construction INCBuilding Contractor1008 2ND AVE SE PO BOX 1165, Jamestown, ND 58402-1165$1,883,088
Ncr CorporationOnline Banking ProviderPO BOX 740641, Los Angeles, CA 90074-0641$469,826
FiservMember Account ServicePO BOX 208457, Dallas, TX 75320-8457$380,498
Strategic Resource Management INCGrowth Consulting5100 POPLAR AVE STE 2500, Memphis, TN 38137$351,371
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$66,328,936
Investment Income
$9,725,216
Other Revenue
$679,101
Change in Net Assets
$8,453,696
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$44,225,151
Salaries, Compensation, and Employee Benefits$24,054,406
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$28,284,533
Other Salaries and Wages---$17,430,914
Other Employee Benefits---$3,517,264
Depreciation Depletion---$2,105,698
Occupancy---$1,950,165
Office Expenses---$1,869,343
Information Technology---$1,461,404
Advertising---$1,453,132
Payroll Taxes---$1,290,434
Pension Plan Contributions---$999,386
Current Officers, Directors, Trustees, and Key Employees---$816,408
Fees for Services Other---$788,542
Travel---$168,385
Fees for Services Accounting---$165,983
Other Expenses---$121,633
Fees for Services Legal---$88,936
Total Functional Expenses$0$0$0$68,279,557
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$4,654,128$4,775,004▲ $120,876
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares and Savings Accounts$1,081,285,495
Lease Liability$2,250,227
Liability for Unfunded Loan Commitments$1,387,971
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

There are no classes of members. Everyone who joins the credit union becomes a member.

Form 990, Part VI, Section A, Line 7A

All members may vote for their preferred candidate(s) for the board of directors. Elections are held annually to fill expiring terms.

Form 990, Part VI, Section A, Line 7B

Bylaw changes and merger decisions require the approval of the members.

Form 990, Part VI, Section B, Line 11B

The completed form 990 is reviewed by the cfo and the accounting department.

Form 990, Part VI, Section B, Line 12C

All credit union employees, officers, directors, and committee members are required to attest to their compliance with the credit union's conflict of interest policy on an annual basis.

Form 990, Part VI, Section B, Line 15

The board reviews and approves ceo compensation using an outside compensation service and the board's evaluation of the ceo's performance. Other senior level employees are evaluated by the ceo, using an outside compensation service and the ceo's evaluation of performance. The review process is performed annually.

Form 990, Part VI, Section C, Line 19

The financial statements and governing documents are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
First Community Credit Union
EIN
45-0226664
Phone
7012535119
Address
PO BOX 2180, JAMESTOWN, ND 58401

Signing Officer

Name
Sean Rinkenberger
Title
CFO
Phone
7012535119
Signed
2025-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Schmitz
Formed
1939
Legal Domicile
Nd
Voting Board Members
7
Independent Board Members
7
Employees
332
Volunteers
0

Preparer

Firm
Brady Martz & Associates Pc
Address
PO BOX 848, MINOT, ND 58702-0848
Preparer
Ryan E Bakke CPA
Phone
7018520196
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

The process has not changed from the prior year.

Financial Statement Notes

PART X, LINE 2:

The credit union's policy is to evaluate the likelihood that its uncertain tax positions will prevail upon examination based on the extent to which those positions have substantial support within the internal revenue code and regulations, revenue rulings, court decisions and other evidence. It is the opinion of management that the credit union has no significant uncertain tax positions that would be subject to change upon examination. The federal income tax returns of the credit union are subject to examination by the irs, generally for three years after they were filed. All required filings are up to date.

Raw XML AppendixShowing 400 of 643 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
IRS990/AccountantCompileOrReviewInd00
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0STRENGTHEN COMMUNITY BY HELPING MEMBERS GROW & THRIVE
IRS990/AdvertisingGrp/TotalAmt01453132
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0SEAN RINKENBERGER
IRS990/BooksInCareOfDetail/PhoneNum07012535119
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 2180
IRS990/BooksInCareOfDetail/USAddress/CityNm0JAMESTOWN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ND
IRS990/BooksInCareOfDetail/USAddress/ZIPCd058401
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IRS990/CashNonInterestBearingGrp/EOYAmt08562329
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt029
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0816408
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/ContractorCompensationGrp/CompensationAmt02131090
IRS990/ContractorCompensationGrp/CompensationAmt11883088
IRS990/ContractorCompensationGrp/CompensationAmt2469826
IRS990/ContractorCompensationGrp/CompensationAmt3380498
IRS990/ContractorCompensationGrp/CompensationAmt4351371
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0580 CARILLON PARKWAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt11008 2ND AVE SE PO BOX 1165
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO BOX 740641
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2NCR CORPORATION
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4STRATEGIC RESOURCE MANAGEMENT INC
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IRS990/CreditCounselingInd00
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IRS990/CYInvestmentIncomeAmt09725216
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IRS990/DescribedInSection501c3Ind00
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IRS990/DonorAdvisedFundInd00
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IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0165983
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IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1343468
IRS990/Form990PartVIISectionAGrp/PersonNm0OWEN OLSON
IRS990/Form990PartVIISectionAGrp/PersonNm1COLIN WEGENAST
IRS990/Form990PartVIISectionAGrp/PersonNm2BONNIE NELSON
IRS990/Form990PartVIISectionAGrp/PersonNm3SHARMAN ZACHRISON
IRS990/Form990PartVIISectionAGrp/PersonNm4MARK WATNE
IRS990/Form990PartVIISectionAGrp/PersonNm5DOUGLAS KALIANOFF
IRS990/Form990PartVIISectionAGrp/PersonNm6CHRIS AARHUS
IRS990/Form990PartVIISectionAGrp/PersonNm7STEVE SCHMITZ
IRS990/Form990PartVIISectionAGrp/PersonNm8SEAN RINKENBERGER
IRS990/Form990PartVIISectionAGrp/PersonNm9CRAIG GRUNDSTROM
IRS990/Form990PartVIISectionAGrp/PersonNm10DARIN FINCK
IRS990/Form990PartVIISectionAGrp/PersonNm11STEVE DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm12JAMES VOLLRATH
IRS990/Form990PartVIISectionAGrp/PersonNm13STEPHANIE FINCK
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt07200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt27200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt37200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt47200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt57200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt67200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7523395
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8242612
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9278164
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10273490
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11243381
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12211205
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13214845
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF DEVELOPMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13COO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01939
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt053597
IRS990/GainOrLossGrp/SecuritiesAmt0-4241
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt053597
IRS990/GrossReceiptsAmt076737494
IRS990/GrossRentsGrp/RealAmt0318025
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt044
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01461404
IRS990/InterestGrp/TotalAmt028284533
IRS990/InvestmentIncomeGrp/ExclusionAmt09675860
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt09675860
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02517600
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04525400
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0205583773
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0224483123
IRS990/IRPDocumentCnt014804
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt018083247
IRS990/LandBldgEquipBasisNetGrp/BOYAmt039687924
IRS990/LandBldgEquipBasisNetGrp/EOYAmt040289153
IRS990/LandBldgEquipCostOrOtherBssAmt058372400
IRS990/LegalDomicileStateCd0ND
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt04241
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE INDIVIDUALIZED FINANCIAL SOLUTIONS FOR OUR MEMBERS THROUGH COMPETITIVE PRODUCTS AND WELL-TRAINED AND EMPOWERED EMPLOYEES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0137928906
IRS990/NetAssetsOrFundBalancesEOYAmt0147137908
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt049356
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt049356
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0318025
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0318025
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0755306
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01950165
IRS990/OfficeExpensesGrp/TotalAmt01869343
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt033731417
IRS990/OtherAssetsTotalGrp/EOYAmt035626016
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03517264
IRS990/OtherExpensesGrp/Desc0MEMBER SERVICE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICE & COLLECTI
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3EMPLOYEE TRAINING
IRS990/OtherExpensesGrp/TotalAmt05099709
IRS990/OtherExpensesGrp/TotalAmt1502688
IRS990/OtherExpensesGrp/TotalAmt2165000
IRS990/OtherExpensesGrp/TotalAmt3121633
IRS990/OtherLiabilitiesGrp/BOYAmt01022289161
IRS990/OtherLiabilitiesGrp/EOYAmt01084923693
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0CHANGE IN UNREALIZED GAIN (LOSS)
IRS990/OtherRevenueMiscGrp/ExclusionAmt0361076
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0361076
IRS990/OtherRevenueTotalAmt0361076
IRS990/OtherSalariesAndWagesGrp/TotalAmt017430914
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0945936859
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0987325653
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01290434
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0999386
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04661423
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02695050
IRS990/PrincipalOfficerNm0STEVE SCHMITZ
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0MEMBER INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES & FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt054595662
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18073491
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23627131
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt054595662
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt18106143
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23627131
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt032652
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDING FINANCIAL PRODUCTS SUCH AS SAVINGS AND CHECKING ACCOUNTS, IRA ACCOUNTS, CERTIFICATES OF DEPOSIT, CONSUMER LOANS, HOME MORTGAGE LOANS, AND SMALL BUSINESS LOANS TO MEMBERS WITHIN OUR FIELD OF MEMBERSHIP.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDING LOANS TO MEMBERS FOR PROVIDENT PURPOSES, THEREBY HELPING TO STABILIZE THE CREDIT STRUCTURE OF THE UNITED STATES.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt06053022
IRS990/PYOtherExpensesAmt032517218
IRS990/PYOtherRevenueAmt0643600
IRS990/PYProgramServiceRevenueAmt059286665
IRS990/PYRevenuesLessExpensesAmt010588804
IRS990/PYSalariesCompEmpBnftPaidAmt022877265
IRS990/PYTotalExpensesAmt055394483
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt065983287
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt04654128
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt04775004
IRS990/ReconcilationRevenueExpnssAmt08453696
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0318025
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0137928906
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0147137908
IRS990/SavingsAndTempCashInvstGrp/BOYAmt022984816
IRS990/SavingsAndTempCashInvstGrp/EOYAmt019587787
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt029861310
IRS990ScheduleD/BuildingsGrp/DepreciationAmt011671500
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt041532810
IRS990ScheduleD/EquipmentGrp/BookValueAmt02441600
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06127532
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08569132
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt015979101
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1177211817
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt249078
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31306565
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt44043916
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt517537333
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt62545930
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt75809383
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0AGENCY/GSE-GUARANTEED SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1AGENCY/GSE-GUARANTEED SECURITIES-MORTGAGE BACKED
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2MONEY MARKET FUNDS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3MUTUAL FUNDS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5OBLIGATIONS OF STATE AND POLITICAL SUB-DIVISIONS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6US GOVERNMENT AGENCY SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc7CHARITABLE DONATION ACCOUNT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd7F
IRS990ScheduleD/LandGrp/BookValueAmt07525568
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt07525568
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0460675
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0284215
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0744890
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01081285495
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12250227
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21387971
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LEASE LIABILITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2LIABILITY FOR UNFUNDED LOAN COMMITMENTS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION'S POLICY IS TO EVALUATE THE LIKELIHOOD THAT ITS UNCERTAIN TAX POSITIONS WILL PREVAIL UPON EXAMINATION BASED ON THE EXTENT TO WHICH THOSE POSITIONS HAVE SUBSTANTIAL SUPPORT WITHIN THE INTERNAL REVENUE CODE AND REGULATIONS, REVENUE RULINGS, COURT DECISIONS AND OTHER EVIDENCE. IT IS THE OPINION OF MANAGEMENT THAT THE CREDIT UNION HAS NO SIGNIFICANT UNCERTAIN TAX POSITIONS THAT WOULD BE SUBJECT TO CHANGE UPON EXAMINATION. THE FEDERAL INCOME TAX RETURNS OF THE CREDIT UNION ARE SUBJECT TO EXAMINATION BY THE IRS, GENERALLY FOR THREE YEARS AFTER THEY WERE FILED. ALL REQUIRED FILINGS ARE UP TO DATE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt040289153
IRS990ScheduleD/TotalBookValueProgramRltdAmt0224483123
IRS990ScheduleD/TotalLiabilityAmt01084923693
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00

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