Civic Intelligence

United Savings Credit Union

EIN 45-0226667 • 501(c)14 • Fargo, ND

View Organization Page

Profile

Building your financial freedom through trusted relationships.

1001 1st Ave NFargo, ND 58102

unitedsavingscu.org

Siviq Scores

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

Liabilities / Assets

33rd percentile

0.88x

Higher debt load relative to assets than 33% of similar nonprofits.

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

Liabilities / Revenue

37th percentile

14.04x

Higher debt load relative to revenue than 37% of similar nonprofits.

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

Net Margin

58th percentile

14%

Higher net margin than 58% of similar nonprofits.

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

Top Officer Pay

47th percentile

$229,583

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

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

Asset Growth

99th percentile

27%

Faster asset growth than 99% of similar nonprofits.

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

Revenue Growth

97th percentile

40%

Faster revenue growth than 97% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Up

$118,591,705

Up $25,339,848 (+27%) from 2023

Liabilities

Up

$103,850,457

Up $22,217,809 (+27%) from 2023

Net Assets

Up

$14,741,248

Up $3,122,039 (+27%) from 2023

Operations
Liabilities / Revenue37th percentileNet Margin58th percentile

Revenue

Up

$7,397,735

Up $2,118,325 (+40%) from 2023

Expenses

Up

$6,382,893

Up $1,703,341 (+36%) from 2023

Net Income

Up

$1,014,842

Up $414,984 (+69%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth99th percentile

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

$150M$100M$50M$0Assets 2010: $34,092,511Liabilities 2010: $27,490,972Net Assets 2010: $6,601,5392010Assets 2011: $36,041,397Liabilities 2011: $29,155,853Net Assets 2011: $6,885,5442011Assets 2012: $37,375,771Liabilities 2012: $30,118,443Net Assets 2012: $7,257,3282012Assets 2013: $38,779,120Liabilities 2013: $31,181,982Net Assets 2013: $7,597,1382013Assets 2014: $43,130,700Liabilities 2014: $35,122,781Net Assets 2014: $8,007,9192014Assets 2015: $49,906,459Liabilities 2015: $41,258,551Net Assets 2015: $8,647,9082015Assets 2016: $57,978,721Liabilities 2016: $48,769,180Net Assets 2016: $9,209,5412016Assets 2017: $60,022,945Liabilities 2017: $50,293,445Net Assets 2017: $9,729,5002017Assets 2018: $69,496,631Liabilities 2018: $59,213,355Net Assets 2018: $10,283,2762018Assets 2019: $70,367,403Liabilities 2019: $59,845,520Net Assets 2019: $10,521,8832019Assets 2020: $76,581,168Liabilities 2020: $65,807,630Net Assets 2020: $10,773,5382020Assets 2021: $81,344,893Liabilities 2021: $70,157,979Net Assets 2021: $11,186,9142021Assets 2022: $81,665,733Liabilities 2022: $70,878,495Net Assets 2022: $10,787,2382022Assets 2023: $93,251,857Liabilities 2023: $81,632,648Net Assets 2023: $11,619,2092023Assets 2024: $118,591,705Liabilities 2024: $103,850,457Net Assets 2024: $14,741,2482024

Highlighted filing

2024

Assets$118,591,705
Liabilities$103,850,457
Net Assets$14,741,248
Open 2024 Filing

Operations Trend

Revenue Growth97th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $1,750,1502010Expenses 2011: $1,640,3652011Expenses 2012: $1,551,2372012Revenue 2013: $1,916,328Expenses 2013: $1,576,518Net Income 2013: $339,8102013Revenue 2014: $2,254,757Expenses 2014: $1,843,976Net Income 2014: $410,7812014Revenue 2015: $2,774,316Expenses 2015: $2,134,327Net Income 2015: $639,9892015Revenue 2016: $3,142,603Expenses 2016: $2,580,970Net Income 2016: $561,6332016Revenue 2017: $3,318,807Expenses 2017: $2,798,848Net Income 2017: $519,9592017Revenue 2018: $3,594,215Expenses 2018: $3,040,440Net Income 2018: $553,7752018Revenue 2019: $4,031,337Expenses 2019: $3,792,730Net Income 2019: $238,6072019Revenue 2020: $3,904,109Expenses 2020: $3,652,454Net Income 2020: $251,6552020Revenue 2021: $4,086,272Expenses 2021: $3,672,897Net Income 2021: $413,3752021Revenue 2022: $4,118,860Expenses 2022: $3,838,759Net Income 2022: $280,1012022Revenue 2023: $5,279,410Expenses 2023: $4,679,552Net Income 2023: $599,8582023Revenue 2024: $7,397,735Expenses 2024: $6,382,893Net Income 2024: $1,014,8422024

Highlighted filing

2024

Revenue$7,397,735
Expenses$6,382,893
Net Income$1,014,842
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
$118,591,705
Liabilities
$103,850,457
Net assets
$14,741,248
Revenue
$7,397,735
Expenses
$6,382,893
Net income
$1,014,842
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$119$104$14.7$7.40$6.38$1.01
2023Detailed filing. Detailed filing data is available for this year.$93.3$81.6$11.6$5.28$4.68$0.60
2022Detailed filing. Detailed filing data is available for this year.$81.7$70.9$10.8$4.12$3.84$0.28
2021Detailed filing. Detailed filing data is available for this year.$81.3$70.2$11.2$4.09$3.67$0.41
2020Detailed filing. Detailed filing data is available for this year.$76.6$65.8$10.8$3.90$3.65$0.25
2019Detailed filing. Detailed filing data is available for this year.$70.4$59.8$10.5$4.03$3.79$0.24
2018Detailed filing. Detailed filing data is available for this year.$69.5$59.2$10.3$3.59$3.04$0.55
2017Detailed filing. Detailed filing data is available for this year.$60.0$50.3$9.73$3.32$2.80$0.52
2016Detailed filing. Detailed filing data is available for this year.$58.0$48.8$9.21$3.14$2.58$0.56
2015Detailed filing. Detailed filing data is available for this year.$49.9$41.3$8.65$2.77$2.13$0.64
2014Detailed filing. Detailed filing data is available for this year.$43.1$35.1$8.01$2.25$1.84$0.41
2013Detailed filing. Detailed filing data is available for this year.$38.8$31.2$7.60$1.92$1.58$0.34
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.4$30.1$7.26$1.55
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.0$29.2$6.89$1.64
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.1$27.5$6.60$1.75
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 23, 2025
Return Version
2024v5.2
Gross Receipts
$7,397,735
Mission and Program Overview

Mission

Credit union services for approximately 3800 members

Building your financial freedom through trusted relationships.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$71,404,856$83,438,476▲ $12,033,620
Savings and Temporary Cash Investments$17,483,851$28,897,061▲ $11,413,210
Rtn Earn Endowment Incm Other Fnds$11,619,209$14,741,248▲ $3,122,039
Land, Buildings, and Equipment, Net$2,906,761$4,483,925▲ $1,577,164
Cash and Non-Interest-Bearing Accounts$631,244$726,077▲ $94,833
Prepaid Expenses and Deferred Charges$32,217$49,248▲ $17,031
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$93,251,857$118,591,705▲ $25,339,848
Other Assets Total$792,928$996,918▲ $203,990
Liabilities
Other Liabilities$78,710,053$102,909,940▲ $24,199,887
Mortgage Notes Payable Secured by Investment Property$2,510,000--
Accounts Payable and Accrued Expenses$412,595$940,517▲ $527,922
Total Liabilities$81,632,648$103,850,457▲ $22,217,809
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,619,209$14,741,248▲ $3,122,039
Total Liabilities and Net Assets / Fund Balance$93,251,857$118,591,705▲ $25,339,848

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,991,798$507,389$4,499,187
Equipment$270,856$1,163,924$1,434,780
Leasehold Improvements$221,271$141,635$362,906
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jim SchaefbauerPresident/CEOFT$204,603$24,980$229,583

Board Members and Trustees

NameTitle
Keith HansenChairman
David DahlVice Chairman
Charles BurnmanDirector
John RobertsDirector
Rick MajerusDirector
Tom BrummerDirector
Jeri SchmidtSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Command And Control Construction LLCConstruction3314 OAK RIDGE POND WAY E, West Fargo, ND 58078$404,759
Sharetec - Bradford ScottTechnology101 E WASHINGTON BLVD, Fort Wayne, IN 46802$224,991
Silicon Plains LLCTechnology2219 E MAIN AVE, Bismarck, ND 58501$173,775
Securitas Technology CorporationTechnology6699 PORTWEST DR STE 100, Houston, TX 77024$102,464
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,395,289
Investment Income
$1,002,446
Other Revenue
$0
Change in Net Assets
$1,014,842
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,700,887
Salaries, Compensation, and Employee Benefits$2,682,006
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,850,697
Office Expenses---$949,927
Other Employee Benefits---$486,255
Occupancy---$457,704
Current Officers, Directors, Trustees, and Key Employees---$204,603
Payroll Taxes---$140,451
Other Expenses---$100,596
Conferences and Meetings---$58,199
Fees for Services Other---$55,641
All Other Expenses---$45,900
Total Functional Expenses$0$0$0$6,382,893
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
Regular Shares$52,269,256
Iras & Cds$31,174,533
Other Deposits$19,466,151
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members of the credit union are owners of the credit union.”

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

“Members of the credit union elect the board of directors.”

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

“Tax return is reviewed by the ceo prior to filing.”

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

“Policy, certification, and disclosure forms are sent to and collected from all staff and board members annually by our inernal audit/compliance officer and results are reported to the board.”

Form 990, Part VI, Section B, Line 15

“Information is obtained to determine peer compensation for each position.”

Form 990, Part VI, Section C, Line 19

“Information is avaliable upon request.”

Filing and Contact Details

Filer

Filer Name
United Savings Credit Union
EIN
45-0226667
Phone
7012352382
Address
1001 1ST AVE N, FARGO, ND 58102

Signing Officer

Name
Jim Schaefbauer
Title
CEO
Phone
7012352832
Signed
2025-10-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jim Schaefbauer
Formed
1935
Legal Domicile
Nd
Voting Board Members
7
Independent Board Members
7
Employees
33
Volunteers
7

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 XI, LINE 9:

“Equity acquired upon merger with freedom community 1,988,585.”

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 408 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/AllOtherExpensesGrp/TotalAmt045900
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1SHARETEC - BRADFORD SCOTT
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2SILICON PLAINS LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3SECURITAS TECHNOLOGY CORPORATION
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IRS990/LandBldgEquipAccumDeprecAmt01812948
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02906761
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04483925
IRS990/LandBldgEquipCostOrOtherBssAmt06296873
IRS990/LegalDomicileStateCd0ND
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0BUILDING YOUR FINANCIAL FREEDOM THROUGH TRUSTED RELATIONSHIPS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt02510000
IRS990/NetAssetsOrFundBalancesBOYAmt011619209
IRS990/NetAssetsOrFundBalancesEOYAmt014741248
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0118612
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0457704
IRS990/OfficeExpensesGrp/TotalAmt0949927
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0792928
IRS990/OtherAssetsTotalGrp/EOYAmt0996918
IRS990/OtherChangesInNetAssetsAmt01988585
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0486255
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON ACCOUNT
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING AND LOSS
IRS990/OtherExpensesGrp/Desc2EDUCATION AND PROMOTION
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt01408460
IRS990/OtherExpensesGrp/TotalAmt1460912
IRS990/OtherExpensesGrp/TotalAmt2163548
IRS990/OtherExpensesGrp/TotalAmt3100596
IRS990/OtherLiabilitiesGrp/BOYAmt078710053
IRS990/OtherLiabilitiesGrp/EOYAmt0102909940
IRS990/OtherSalariesAndWagesGrp/TotalAmt01850697
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt071404856
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt083438476
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0140451
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt032217
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt049248
IRS990/PrincipalOfficerNm0JIM SCHAEFBAUER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/BusinessCd2522291
IRS990/ProgramServiceRevenueGrp/Desc0INCOME FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05152476
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1812907
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2429906
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05152476
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1812907
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2429906
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0721588
IRS990/PYOtherExpensesAmt02380516
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04557822
IRS990/PYRevenuesLessExpensesAmt0599858
IRS990/PYSalariesCompEmpBnftPaidAmt02299036
IRS990/PYTotalExpensesAmt04679552
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05279410
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt01014842
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011619209
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014741248
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017483851
IRS990/SavingsAndTempCashInvstGrp/EOYAmt028897061
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03991798
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0507389
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04499187
IRS990ScheduleD/EquipmentGrp/BookValueAmt0270856
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01163924
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01434780
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0221271
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0141635
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0362906
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt052269256
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt131174533
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt219466151
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRAS & CDS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER DEPOSITS
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/TotalBookValueLandBuildingsAmt04483925
IRS990ScheduleD/TotalLiabilityAmt0102909940
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0204603
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt023000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt01980
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JIM SCHAEFBAUER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0229583
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION DEPOSITED $22,999.60 INTO A 457B PLAN ON JIM SCHAEFBAUER'S BEHALF IN 2024.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION ARE OWNERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BYLAW CHANGES AND MERGER DECISIONS REQUIRE THE APPROVAL OF THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3TAX RETURN IS REVIEWED BY THE CEO PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4POLICY, CERTIFICATION, AND DISCLOSURE FORMS ARE SENT TO AND COLLECTED FROM ALL STAFF AND BOARD MEMBERS ANNUALLY BY OUR INERNAL AUDIT/COMPLIANCE OFFICER AND RESULTS ARE REPORTED TO THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INFORMATION IS OBTAINED TO DETERMINE PEER COMPENSATION FOR EACH POSITION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6INFORMATION IS AVALIABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7EQUITY ACQUIRED UPON MERGER WITH FREEDOM COMMUNITY 1,988,585.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0ND
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt093251857
IRS990/TotalAssetsEOYAmt0118591705
IRS990/TotalAssetsGrp/BOYAmt093251857
IRS990/TotalAssetsGrp/EOYAmt0118591705
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt033
IRS990/TotalFunctionalExpensesGrp/TotalAmt06382893
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt081632648
IRS990/TotalLiabilitiesEOYAmt0103850457
IRS990/TotalLiabilitiesGrp/BOYAmt081632648
IRS990/TotalLiabilitiesGrp/EOYAmt0103850457
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt011619209
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt014741248
IRS990/TotalOtherCompensationAmt023000
IRS990/TotalProgramServiceRevenueAmt06395289
IRS990/TotalReportableCompFromOrgAmt0206583
IRS990/TotalRevenueGrp/ExclusionAmt01002446
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt06395289
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt07397735
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt093251857
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0118591705
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01001 1ST AVE N
IRS990/USAddress/CityNm0FARGO
IRS990/USAddress/StateAbbreviationCd0ND
IRS990/USAddress/ZIPCd058102
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0UNITEDSAVINGSCU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JIM SCHAEFBAUER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07012352832
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UNITED SAVINGS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0450226667
ReturnHeader/Filer/PhoneNum07012352382
ReturnHeader/Filer/USAddress/AddressLine1Txt01001 1ST AVE N
ReturnHeader/Filer/USAddress/CityNm0FARGO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ND
ReturnHeader/Filer/USAddress/ZIPCd058102
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0450310328
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRADY MARTZ & ASSOCIATES PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 848
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MINOT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0587020848

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