Civic Intelligence

Town & Country Credit Union

EIN 45-0278124 • 501(c)14 • Minot, ND

View Organization Page

Profile

The mission of town & country credit union is to build trusted financial relationships through personalized service.

PO Box 2046Minot, ND 58702-2046

www.townandcounrty.org

Siviq Scores

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

Liabilities / Assets

24th percentile

0.88x

Higher debt load relative to assets than 24% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

33rd percentile

13.74x

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

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

61st percentile

12%

Higher net margin than 61% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

83rd percentile

$668,914

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

66th percentile

4.9%

Faster asset growth than 66% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

78th percentile

19%

Faster revenue growth than 78% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$717,879,838

Up $33,521,553 (+4.9%) from 2023

Liabilities

Up

$629,284,608

Up $28,650,350 (+4.8%) from 2023

Net Assets

Up

$88,595,230

Up $4,871,203 (+5.8%) from 2023

Operations
Liabilities / Revenue33rd percentileNet Margin61st percentile

Revenue

Up

$45,794,051

Up $7,290,896 (+19%) from 2023

Expenses

Up

$40,495,822

Up $6,143,448 (+18%) from 2023

Net Income

Up

$5,298,229

Up $1,147,448 (+28%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

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

$800M$600M$400M$200M$0Assets 2010: $247,889,757Liabilities 2010: $220,886,140Net Assets 2010: $27,003,6172010Assets 2011: $296,875,574Liabilities 2011: $265,942,220Net Assets 2011: $30,933,3542011Assets 2012: $328,533,907Liabilities 2012: $292,467,553Net Assets 2012: $36,066,3542012Assets 2013: $347,013,729Liabilities 2013: $305,567,158Net Assets 2013: $41,446,5712013Assets 2014: $367,304,807Liabilities 2014: $320,920,143Net Assets 2014: $46,384,6642014Assets 2015: $384,292,643Liabilities 2015: $332,401,914Net Assets 2015: $51,890,7292015Assets 2016: $391,565,497Liabilities 2016: $335,159,495Net Assets 2016: $56,406,0022016Assets 2017: $415,506,047Liabilities 2017: $356,084,472Net Assets 2017: $59,421,5752017Assets 2018: $441,051,760Liabilities 2018: $378,306,513Net Assets 2018: $62,745,2472018Assets 2019: $485,723,542Liabilities 2019: $420,392,272Net Assets 2019: $65,331,2702019Assets 2020: $565,613,421Liabilities 2020: $496,254,798Net Assets 2020: $69,358,6232020Assets 2021: $639,797,460Liabilities 2021: $565,244,245Net Assets 2021: $74,553,2152021Assets 2022: $637,609,134Liabilities 2022: $558,025,543Net Assets 2022: $79,583,5912022Assets 2023: $684,358,285Liabilities 2023: $600,634,258Net Assets 2023: $83,724,0272023Assets 2024: $717,879,838Liabilities 2024: $629,284,608Net Assets 2024: $88,595,2302024

Highlighted filing

2024

Assets$717,879,838
Liabilities$629,284,608
Net Assets$88,595,230
Open 2024 Filing

Operations Trend

Revenue Growth78th percentile

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

$60M$40M$20M$0Expenses 2010: $12,862,8582010Expenses 2011: $13,200,9532011Expenses 2012: $14,995,8042012Revenue 2013: $20,566,901Expenses 2013: $15,035,143Net Income 2013: $5,531,7582013Revenue 2014: $22,259,749Expenses 2014: $17,315,048Net Income 2014: $4,944,7012014Revenue 2015: $24,033,819Expenses 2015: $18,530,545Net Income 2015: $5,503,2742015Revenue 2016: $23,791,728Expenses 2016: $19,183,426Net Income 2016: $4,608,3022016Revenue 2017: $22,321,623Expenses 2017: $19,253,156Net Income 2017: $3,068,4672017Revenue 2018: $23,908,102Expenses 2018: $20,559,850Net Income 2018: $3,348,2522018Revenue 2019: $26,821,573Expenses 2019: $24,011,787Net Income 2019: $2,809,7862019Revenue 2020: $30,720,921Expenses 2020: $26,686,672Net Income 2020: $4,034,2492020Revenue 2021: $30,613,353Expenses 2021: $25,310,611Net Income 2021: $5,302,7422021Revenue 2022: $29,514,851Expenses 2022: $25,000,066Net Income 2022: $4,514,7852022Revenue 2023: $38,503,155Expenses 2023: $34,352,374Net Income 2023: $4,150,7812023Revenue 2024: $45,794,051Expenses 2024: $40,495,822Net Income 2024: $5,298,2292024

Highlighted filing

2024

Revenue$45,794,051
Expenses$40,495,822
Net Income$5,298,229
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$717,879,838
Liabilities
$629,284,608
Net assets
$88,595,230
Revenue
$45,794,051
Expenses
$40,495,822
Net income
$5,298,229
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$718$629$88.6$45.8$40.5$5.30
2023Detailed filing. Detailed filing data is available for this year.$684$601$83.7$38.5$34.4$4.15
2022Detailed filing. Detailed filing data is available for this year.$638$558$79.6$29.5$25.0$4.51
2021Detailed filing. Detailed filing data is available for this year.$640$565$74.6$30.6$25.3$5.30
2020Detailed filing. Detailed filing data is available for this year.$566$496$69.4$30.7$26.7$4.03
2019Detailed filing. Detailed filing data is available for this year.$486$420$65.3$26.8$24.0$2.81
2018Detailed filing. Detailed filing data is available for this year.$441$378$62.7$23.9$20.6$3.35
2017Detailed filing. Detailed filing data is available for this year.$416$356$59.4$22.3$19.3$3.07
2016Detailed filing. Detailed filing data is available for this year.$392$335$56.4$23.8$19.2$4.61
2015Detailed filing. Detailed filing data is available for this year.$384$332$51.9$24.0$18.5$5.50
2014Detailed filing. Detailed filing data is available for this year.$367$321$46.4$22.3$17.3$4.94
2013Detailed filing. Detailed filing data is available for this year.$347$306$41.4$20.6$15.0$5.53
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$329$292$36.1$15.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$297$266$30.9$13.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$248$221$27.0$12.9
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$45,892,380
Mission and Program Overview

Mission

The mission of town & country credit union is to build trusted financial relationships through personalized service.

To build trusted financial relationships through personalized service

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$595,416,828$619,280,926▲ $23,864,098
Rtn Earn Endowment Incm Other Fnds$83,724,027$88,595,230▲ $4,871,203
Savings and Temporary Cash Investments$47,153,750$51,262,434▲ $4,108,684
Land, Buildings, and Equipment, Net$14,592,740$14,557,932▼ $34,808
Investments Program Related$3,032,517$9,126,731▲ $6,094,214
Cash and Non-Interest-Bearing Accounts$10,407,334$8,492,404▼ $1,914,930
Prepaid Expenses and Deferred Charges$626,890$762,503▲ $135,613
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$684,358,285$717,879,838▲ $33,521,553
Other Assets Total$13,128,226$14,396,908▲ $1,268,682
Liabilities
Other Liabilities$593,656,537$623,035,843▲ $29,379,306
Accounts Payable and Accrued Expenses$6,977,721$6,248,765▼ $728,956
Total Liabilities$600,634,258$629,284,608▲ $28,650,350
Net Assets / Fund Balance
Total Net Assets Fund Balance$83,724,027$88,595,230▲ $4,871,203
Total Liabilities and Net Assets / Fund Balance$684,358,285$717,879,838▲ $33,521,553

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,480,767$7,064,243$15,545,010
Equipment$1,779,687$3,721,573$5,501,260
Land$3,913,759-$3,913,759
Leasehold Improvements$383,719$17,267$400,986
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mortgage Loan Officers2 IndividualsMortgage Loan OriginatorFT$245,315$423,599$668,914
Jay LandsiedelCFOFT$253,036$242,526$495,562
Kalli SchellCEOFT$321,784$144,100$465,884
Fred BeuchlerCLOFT$287,191$148,209$435,400
Adam SilbernagelCIOFT$205,882$115,241$321,123
Brad HouleFormer CEOFT$85,102$158,216$243,318

Board Members and Trustees

NameTitle
David RipplingerChairman
Kalvin LarsonVice Chairman
Delrae GeinertDirector
Lars ChristensenDirector
Tim RaffertyDirector
Wendy LoucksDirector
Curtis SmithSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesCore Processing SystemPO BOX 609, Monett, MO 65708$511,004
Ncr CorporationHome Banking, Mobile Banking ProductPO BOX 740641, Los Angeles, CA 90074$410,419
Wild And AssociatesGeneral Contractor Trinity Design/ Fit U500 2ND AVE N SUITE 514, Fargo, ND 58102$409,487
Consolidated CommunicationsTelephone, Internet, Data Line CommunicaPO BOX 3248, Mankato, MN 56002$189,507
LkcsStatement And Website Provider4130 PLANK ROAD, Peru, IL 61354$178,395
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$43,237,002
Investment Income
$2,461,049
Other Revenue
$96,000
Change in Net Assets
$5,298,229
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,132,887
Salaries, Compensation, and Employee Benefits$18,362,935
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$14,113,545
Interest---$11,984,911
Office Expenses---$3,957,901
Other Employee Benefits---$1,439,021
Occupancy---$1,205,226
Depreciation Depletion---$1,116,790
Current Officers, Directors, Trustees, and Key Employees---$1,091,088
Payroll Taxes---$915,895
All Other Expenses---$859,320
Pension Plan Contributions---$803,386
Advertising---$694,768
Other Expenses---$424,171
Travel---$299,957
Fees for Services Other---$77,384
Conferences and Meetings---$6,225
Total Functional Expenses$0$0$0$40,495,822
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$279,860,104
Savings Certificates$237,719,720
Money Markets$105,456,019
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization is owned by its members, who are customers of the credit union.”

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

“Members of the board of directors are elected by the membership body.”

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

“Decisions made by the board members are approved by the membership.”

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

“The president, cfo, and controller review the tax return before it is filed.”

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

“All governing documents, conflict of interest policy, and financial statements are available to the public upon request.”

Form 990, Part VI, Section B, Line 15

“Officer compensation is approved in an executive session of the board of directors. A cuna salary survey is utilized to assist the board in the decision. In addition, operational and financial goals are reviewed and discussed, and an annual salary is established.”

Form 990, Part VI, Section C, Line 19

“All information is made available upon request.”

Form 990, Part VI, Section A, Line 1

“There is an executive committee composed of the officers of the board of directors. This executive committee has the ability to act on issues not considered necessary to bring to the attention of the full board of directors.”

Filing and Contact Details

Filer

Filer Name
Town & Country Credit Union
EIN
45-0278124
Phone
7018522018
Address
PO BOX 2046, MINOT, ND 58702-2046

Signing Officer

Name
Jessica Henderson
Title
CFO
Phone
7018522018
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jessica Henderson
Formed
1939
Legal Domicile
Nd
Voting Board Members
7
Independent Board Members
7
Employees
205
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:

“Loss on investment in controlled entitiy cuso -427,026.”

Form 990, Part XII, Line 2C

“The organization's process for selecting an independent accountant has not changed from prior years.”

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 examiniation. The federal income tax returns of the credit union are subject to examination by the irs, generally for three years after they were filed.”

Raw XML AppendixShowing 400 of 608 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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IRS990/Form990PartVIISectionAGrp/PersonNm10FRED BEUCHLER
IRS990/Form990PartVIISectionAGrp/PersonNm11MORTGAGE LOAN OFFICERS2 INDIVIDUALS
IRS990/Form990PartVIISectionAGrp/PersonNm12BRAD HOULE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4414453
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6454667
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9267722
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10377750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11557698
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12221968
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/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt11MORTGAGE LOAN ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12FORMER CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01939
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt016604
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0114933
IRS990/GrossReceiptsAmt045892380
IRS990/GrossRentsGrp/RealAmt096000
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt038
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InterestGrp/TotalAmt011984911
IRS990/InvestmentIncomeGrp/ExclusionAmt02444445
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02444445
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt03032517
IRS990/InvestmentsProgramRelatedGrp/EOYAmt09126731
IRS990/IRPDocumentCnt09504
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010803083
IRS990/LandBldgEquipBasisNetGrp/BOYAmt014592740
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014557932
IRS990/LandBldgEquipCostOrOtherBssAmt025361015
IRS990/LegalDomicileStateCd0ND
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt098329
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE MISSION OF TOWN & COUNTRY CREDIT UNION IS TO BUILD TRUSTED FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED SERVICE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt083724027
IRS990/NetAssetsOrFundBalancesEOYAmt088595230
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt016604
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt016604
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt096000
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt096000
IRS990/NetUnrelatedBusTxblIncmAmt0269895
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01205226
IRS990/OfficeExpensesGrp/TotalAmt03957901
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt013128226
IRS990/OtherAssetsTotalGrp/EOYAmt014396908
IRS990/OtherChangesInNetAssetsAmt0-427026
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01439021
IRS990/OtherExpensesGrp/Desc0UNRELATED BUSINESS INCO
IRS990/OtherExpensesGrp/Desc1VISA
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICE EXPENSE
IRS990/OtherExpensesGrp/TotalAmt037771
IRS990/OtherExpensesGrp/TotalAmt11018463
IRS990/OtherExpensesGrp/TotalAmt2450000
IRS990/OtherExpensesGrp/TotalAmt3424171
IRS990/OtherLiabilitiesGrp/BOYAmt0593656537
IRS990/OtherLiabilitiesGrp/EOYAmt0623035843
IRS990/OtherSalariesAndWagesGrp/TotalAmt014113545
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0595416828
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0619280926
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0915895
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0803386
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0626890
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0762503
IRS990/PrincipalOfficerNm0JESSICA HENDERSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524292
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE FEES
IRS990/ProgramServiceRevenueGrp/Desc2NET GAIN ON SALES OF LOANS
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc4EXTENDED WARRANTIES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt033838046
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12845461
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22447838
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3234142
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt033838046
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14029391
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22447838
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3234142
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt429584
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01183930
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt129584
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03095614
IRS990/PYOtherExpensesAmt017396394
IRS990/PYOtherRevenueAmt096000
IRS990/PYProgramServiceRevenueAmt035311541
IRS990/PYRevenuesLessExpensesAmt04150781
IRS990/PYSalariesCompEmpBnftPaidAmt016955980
IRS990/PYTotalExpensesAmt034352374
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt038503155
IRS990/ReconcilationRevenueExpnssAmt05298229
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/RentalIncomeOrLossGrp/RealAmt096000
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt083724027
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt088595230
IRS990/SavingsAndTempCashInvstGrp/BOYAmt047153750
IRS990/SavingsAndTempCashInvstGrp/EOYAmt051262434
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt08480767
IRS990ScheduleD/BuildingsGrp/DepreciationAmt07064243
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt015545010
IRS990ScheduleD/EquipmentGrp/BookValueAmt01779687
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03721573
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05501260
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03913759
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03913759
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0383719
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt017267
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0400986
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0279860104
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1237719720
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2105456019
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SAVINGS CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKETS
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 EXAMINIATION. THE FEDERAL INCOME TAX RETURNS OF THE CREDIT UNION ARE SUBJECT TO EXAMINATION BY THE IRS, GENERALLY FOR THREE YEARS AFTER THEY WERE FILED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt014557932
IRS990ScheduleD/TotalLiabilityAmt0623035843
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0245315
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1253036
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2321784
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3287191
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4205882
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt585102
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0311113
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount1193955
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount287059
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount380199
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount456180
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount568150
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt041531
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt124150

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