Civic Intelligence

Community Credit Union

990 • Fiscal year 2022 • EIN 45-0237883

Jan 01, 2022 to Dec 31, 2022 • Filed on Feb 21, 2023

Organization Profile

View Organization Page

20 North First StreetNew Rockford, ND 58356

(701) 947-5011

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

15th percentile

0.85x

Higher debt load relative to assets than 15% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Liabilities / Revenue

100th percentile

60.85x

Higher debt load relative to revenue than 100% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Net Margin

67th percentile

19%

Higher net margin than 67% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Top Officer Pay

15th percentile

$137,654

Higher top officer pay than 15% of similar nonprofits.

Top officer pay equals 5.2% of source-year revenue.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Asset Growth

18th percentile

-1.9%

Faster asset growth than 18% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Revenue Growth

1st percentile

-12%

Faster revenue growth than 1% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets15th percentile

Assets

Down

$188,852,038

Down $3,626,897 (-1.9%) from 2021

Net Assets

Up

$28,885,688

Up $498,836 (+1.8%) from 2021

Liabilities

Down

$159,966,350

Down $4,125,733 (-2.5%) from 2021

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin67th percentile

Revenue

Down

$2,628,740

Down $365,655 (-12%) from 2021

Expenses

Down

$2,129,904

Down $25,106 (-1.2%) from 2021

Net Income

Down

$498,836

Down $340,549 (-41%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200M$150M$100M$50M$0Assets 2010: $139,557,752Liabilities 2010: $121,686,483Net Assets 2010: $17,871,2692010Assets 2011: $148,418,361Liabilities 2011: $130,278,286Net Assets 2011: $18,140,0752011Assets 2012: $161,245,602Liabilities 2012: $142,496,817Net Assets 2012: $18,748,7852012Assets 2013: $166,010,751Liabilities 2013: $146,415,636Net Assets 2013: $19,595,1152013Assets 2014: $162,054,068Liabilities 2014: $141,292,567Net Assets 2014: $20,761,5012014Assets 2015: $162,944,121Liabilities 2015: $141,016,210Net Assets 2015: $21,927,9112015Assets 2016: $167,015,321Liabilities 2016: $144,104,085Net Assets 2016: $22,911,2362016Assets 2017: $163,169,607Liabilities 2017: $139,221,517Net Assets 2017: $23,948,0902017Assets 2018: $164,717,895Liabilities 2018: $139,429,828Net Assets 2018: $25,288,0672018Assets 2019: $173,223,725Liabilities 2019: $146,760,931Net Assets 2019: $26,462,7942019Assets 2020: $184,968,895Liabilities 2020: $157,421,428Net Assets 2020: $27,547,4672020Assets 2021: $192,478,935Liabilities 2021: $164,092,083Net Assets 2021: $28,386,8522021Assets 2022: $188,852,038Liabilities 2022: $159,966,350Net Assets 2022: $28,885,6882022Assets 2023: $179,712,323Liabilities 2023: $150,822,584Net Assets 2023: $28,889,7392023Assets 2024: $174,268,406Liabilities 2024: $145,842,626Net Assets 2024: $28,425,7802024

Highlighted filing

2022

Assets$188,852,038
Liabilities$159,966,350
Net Assets$28,885,688
Open 2022 Filing

Operations Trend

Revenue Growth1st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,908,0782010Expenses 2011: $2,446,0992011Revenue 2012: $2,816,670Expenses 2012: $2,207,960Net Income 2012: $608,7102012Revenue 2013: $2,938,983Expenses 2013: $2,092,653Net Income 2013: $846,3302013Revenue 2014: $3,142,937Expenses 2014: $1,976,551Net Income 2014: $1,166,3862014Revenue 2015: $3,079,542Expenses 2015: $1,913,132Net Income 2015: $1,166,4102015Revenue 2016: $2,938,784Expenses 2016: $1,955,459Net Income 2016: $983,3252016Revenue 2017: $3,053,328Expenses 2017: $2,016,474Net Income 2017: $1,036,8542017Revenue 2018: $3,501,531Expenses 2018: $2,161,556Net Income 2018: $1,339,9752018Revenue 2019: $4,292,117Expenses 2019: $3,117,390Net Income 2019: $1,174,7272019Revenue 2020: $3,737,049Expenses 2020: $2,652,376Net Income 2020: $1,084,6732020Revenue 2021: $2,994,395Expenses 2021: $2,155,010Net Income 2021: $839,3852021Revenue 2022: $2,628,740Expenses 2022: $2,129,904Net Income 2022: $498,8362022Revenue 2023: $3,757,347Expenses 2023: $3,753,296Net Income 2023: $4,0512023Revenue 2024: $4,034,090Expenses 2024: $4,748,049Net Income 2024: -$713,9592024

Highlighted filing

2022

Revenue$2,628,740
Expenses$2,129,904
Net Income$498,836
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Feb 21, 2023
Return Version
2022v4.1
Gross Receipts
$2,628,740
Mission and Program Overview

Mission

Credit union services for approximately 5500 members

Credit Union Services for approximately 5000 members

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$147,944,893$148,144,955▲ $200,062
Other Notes and Loans Receivable, Net$29,742,517$29,215,595▼ $526,922
Rtn Earn Endowment Incm Other Fnds$28,386,852$28,885,688▲ $498,836
Savings and Temporary Cash Investments$12,019,145$8,466,861▼ $3,552,284
Accounts Receivable$638,169$703,842▲ $65,673
Cash and Non-Interest-Bearing Accounts$421,734$485,801▲ $64,067
Land, Buildings, and Equipment, Net$273,361$347,649▲ $74,288
Prepaid Expenses and Deferred Charges$29,315$13,639▼ $15,676
Intangible Assets$4,131--
Total Assets$192,478,935$188,852,038▼ $3,626,897
Other Assets Total$1,405,670$1,473,696▲ $68,026
Liabilities
Other Liabilities$163,173,317$153,331,910▼ $9,841,407
Unsecured Notes Loans Payable-$5,475,548-
Accounts Payable and Accrued Expenses$918,766$1,158,892▲ $240,126
Total Liabilities$164,092,083$159,966,350▼ $4,125,733
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,386,852$28,885,688▲ $498,836
Total Liabilities and Net Assets / Fund Balance$192,478,935$188,852,038▼ $3,626,897

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$250,308$216,113-
Land$47,556--
Equipment$49,785$197,232-
Other Assets Org$1,473,696--
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Barbara MessnerPresidentFT$137,654$137,654

Board Members and Trustees

NameTitle
Brent HelsethVice Chairman
Mike YriDirector
James HarmonChariman
James EversvikSecretaryTreasurer
Ed OConnorSupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,271,514
Investment Income
$1,357,226
Other Revenue
$0
Change in Net Assets
$498,836
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,241,571
Salaries, Compensation, and Employee Benefits$888,333
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$658,932--$658,932
Other Salaries and Wages$640,723--$640,723
All Other Expenses$195,841--$195,841
Other Employee Benefits$144,759--$144,759
Office Expenses$58,091--$58,091
Pension Plan Contributions$55,648--$55,648
Payroll Taxes$47,203--$47,203
Advertising$40,043--$40,043
Occupancy$35,280--$35,280
Depreciation Depletion$33,584--$33,584
Insurance$30,288--$30,288
Other Expenses$10,204--$10,204
Conferences and Meetings$8,160--$8,160
Travel$2,012--$2,012
Fees for Services Legal$500--$500
Total Functional Expenses$2,129,904$0$0$2,129,904
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$153,331,910
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Line 6 Members of the Credit Union are Owners of the Credit Union”

Member election for additional members Part VI line 7A

“Members of the Credit Union elect the Board of Directors”

Form 990 governing body review Part VI line 11

“Tax return is reviewed by the President before filing”

CEO executive director top management comp Part VI line 15A

“Information is obtained to determine Peer compensatin for each position”

Other officer or key employee compensation Part VI line 15B

“Information is obtained to determine peer compensatin for each position”

Governing documents etc available to public Part VI line 19

“Information is available upon request”

Filing and Contact Details

Filer

Filer Name
Community Credit Union
EIN
45-0237883
Address
20 NORTH FIRST STREET, New Rockford, ND 58356

Signing Officer

Name
Barbara Messner
Title
President
Phone
7019475011
Signed
2023-02-21
Discuss with paid preparer
No

Organization Details

Principal Officer
Barbara Messner
Formed
1942
Legal Domicile
Nd
Voting Board Members
5
Independent Board Members
5
Employees
14
Volunteers
12

Preparer

Firm
Susan M Bowman CPA LLC
Address
808 3rd Avenue South Suite 301, Fargo, ND 58103
Preparer
Susan M Bowman
Phone
7012324414
Supplemental Narrative

Additional Explanations

List of other expenses Part IX line 24E

“See Overflow Statement”

Raw XML Appendix375 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/Form990PartVIISectionAGrp/PersonNm1Brent Helseth
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IRS990/Form990PartVIISectionAGrp/PersonNm5James Eversvik
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Supervisory Committee
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt028386852
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt028885688
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012019145
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08466861
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0250308
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0216113
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0466421
IRS990ScheduleD/EquipmentGrp/BookValueAmt049785
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0197232
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0247017
IRS990ScheduleD/LandGrp/BookValueAmt047556
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt047556
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt01473696
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUIF
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Assets In Liquidation
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0153331910
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0347649
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01473696
IRS990ScheduleD/TotalLiabilityAmt0153331910
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Line 6 Members of the Credit Union are Owners of the Credit Union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members of the Credit Union elect the Board of Directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Tax return is reviewed by the President before filing
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Information is obtained to determine Peer compensatin for each position
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Information is obtained to determine peer compensatin for each position
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Information is available upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6See Overflow Statement
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6List of other expenses Part IX line 24e
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingEntityName/BusinessNameLine1Txt0Community Credit Union
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0450404375
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C Corp
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd0ND
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/OwnershipPct01.00000
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0Sales and Rental of Insurance and Equipment
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0Community Credit Union Services Inc
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt020 1st St N
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm0New Rockford
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd0ND
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd058356
IRS990/SchoolOperatingInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0192478935
IRS990/TotalAssetsEOYAmt0188852038
IRS990/TotalAssetsGrp/BOYAmt0192478935
IRS990/TotalAssetsGrp/EOYAmt0188852038
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02129904
IRS990/TotalFunctionalExpensesGrp/TotalAmt02129904
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0164092083
IRS990/TotalLiabilitiesEOYAmt0159966350
IRS990/TotalLiabilitiesGrp/BOYAmt0164092083
IRS990/TotalLiabilitiesGrp/EOYAmt0159966350
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt028386852
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt028885688
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt02129904
IRS990/TotalProgramServiceRevenueAmt01271514
IRS990/TotalReportableCompFromOrgAmt0137654
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02628740
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02628740
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0192478935
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0188852038
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt02012
IRS990/TravelGrp/TotalAmt02012
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt05475548
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd000
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02023-03-07 01:45:13Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Barbara Messner
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07019475011
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-02-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0450237883
ReturnHeader/Filer/USAddress/AddressLine1Txt020 NORTH FIRST STREET
ReturnHeader/Filer/USAddress/CityNm0New Rockford
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ND
ReturnHeader/Filer/USAddress/ZIPCd058356
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0831103778
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Susan M Bowman CPA LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0808 3rd Avenue South Suite 301
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Fargo
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd058103
ReturnHeader/PreparerPersonGrp/PhoneNum07012324414
ReturnHeader/PreparerPersonGrp/PreparationDt02023-02-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Susan M Bowman
ReturnHeader/ReturnTs02023-02-21T17:00:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Barbara
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Messner
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$188,852,038
Liabilities
$159,966,350
Net assets
$28,885,688
Revenue
$2,628,740
Expenses
$2,129,904
Net income
$498,836
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$174$146$28.4$4.03$4.75$0.71
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$180$151$28.9$3.76$3.75$0.00
2022Detailed filing. Detailed filing data is available for this year.$189$160$28.9$2.63$2.13$0.50
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$192$164$28.4$2.99$2.16$0.84
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$185$157$27.5$3.74$2.65$1.08
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$173$147$26.5$4.29$3.12$1.17
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$165$139$25.3$3.50$2.16$1.34
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$139$23.9$3.05$2.02$1.04
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$167$144$22.9$2.94$1.96$0.98
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$163$141$21.9$3.08$1.91$1.17
2014Detailed filing. Detailed filing data is available for this year.$162$141$20.8$3.14$1.98$1.17
2013Detailed filing. Detailed filing data is available for this year.$166$146$19.6$2.94$2.09$0.85
2012Summary only. Only limited summary data is available for this year.$161$142$18.7$2.82$2.21$0.61
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$148$130$18.1$2.45
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$122$17.9$2.91