Civic Intelligence

Area Schools Credit Union

990 • Fiscal year 2013 • EIN 45-0279071

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization Profilewww.gfaccu.com

View Organization Page

2800 S Washington St58201

(701) 772-2690

Siviq Scores

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

Liabilities / Assets

7th percentile

0.00x

Higher debt load relative to assets than 7% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

6th percentile

0.07x

Higher debt load relative to revenue than 6% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

94th percentile

24%

Higher net margin than 94% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

26th percentile

$52,274

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

68th percentile

4.1%

Faster asset growth than 68% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets7th percentile

Assets

Up

$20,903,962

Up $819,676 (+4.1%) from 2012

Net Assets

Up

$20,834,361

Up $790,823 (+3.9%) from 2012

Liabilities

Up

$69,601

Up $28,853 (+71%) from 2012

Revenue And Expenses
Liabilities / Revenue6th percentileNet Margin94th percentile

Revenue

$964,681

No earlier filing loaded for comparison.

Expenses

Up

$736,823

Up $33,205 (+4.7%) from 2012

Net Income

$227,858

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$30M$20M$10M$0Assets 2010: $19,673,433Liabilities 2010: $70,319Net Assets 2010: $19,603,1142010Assets 2011: $20,759,737Liabilities 2011: $38,138Net Assets 2011: $20,721,5992011Assets 2012: $20,084,286Liabilities 2012: $40,748Net Assets 2012: $20,043,5382012Assets 2013: $20,903,962Liabilities 2013: $69,601Net Assets 2013: $20,834,3612013Assets 2014: $21,963,676Liabilities 2014: $25,882Net Assets 2014: $21,937,7942014Assets 2015: $22,033,496Liabilities 2015: $27,007Net Assets 2015: $22,006,4892015Assets 2016: $23,588,665Liabilities 2016: $47,819Net Assets 2016: $23,540,8462016Assets 2017: $22,327,642Liabilities 2017: $52,208Net Assets 2017: $22,275,4342017Assets 2018: $23,634,088Liabilities 2018: $151,078Net Assets 2018: $23,483,0102018Assets 2019: $23,682,011Liabilities 2019: $86,704Net Assets 2019: $23,595,3072019Assets 2020: $25,312,573Liabilities 2020: $118,693Net Assets 2020: $25,193,8802020Assets 2021: $27,129,124Liabilities 2021: $60,514Net Assets 2021: $27,068,6102021Assets 2022: $25,897,356Liabilities 2022: $100,641Net Assets 2022: $25,796,7152022Assets 2023: $26,192,112Liabilities 2023: $252,678Net Assets 2023: $25,939,4342023Assets 2024: $26,537,389Liabilities 2024: $159,404Net Assets 2024: $26,377,9852024

Highlighted filing

2013

Assets$20,903,962
Liabilities$69,601
Net Assets$20,834,361
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $914,7352010Expenses 2011: $846,1022011Expenses 2012: $703,6182012Revenue 2013: $964,681Expenses 2013: $736,823Net Income 2013: $227,8582013Revenue 2014: $941,390Expenses 2014: $697,615Net Income 2014: $243,7752014Revenue 2015: $906,182Expenses 2015: $740,110Net Income 2015: $166,0722015Revenue 2016: $1,030,691Expenses 2016: $777,090Net Income 2016: $253,6012016Revenue 2017: $1,065,398Expenses 2017: $870,042Net Income 2017: $195,3562017Revenue 2018: $1,167,346Expenses 2018: $847,062Net Income 2018: $320,2842018Revenue 2019: $1,313,258Expenses 2019: $987,782Net Income 2019: $325,4762019Revenue 2020: $1,275,312Expenses 2020: $1,061,531Net Income 2020: $213,7812020Revenue 2021: $1,280,242Expenses 2021: $1,061,368Net Income 2021: $218,8742021Revenue 2022: $1,393,920Expenses 2022: $1,081,352Net Income 2022: $312,5682022Revenue 2023: $1,408,377Expenses 2023: $1,349,330Net Income 2023: $59,0472023Revenue 2024: $1,744,048Expenses 2024: $1,725,634Net Income 2024: $18,4142024

Highlighted filing

2013

Revenue$964,681
Expenses$736,823
Net Income$227,858
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.0
Gross Receipts
$964,681
Mission and Program Overview

Mission

To provide a savings facility and loans and financial services to the approx.2077 members of the credit union

To provide a savings facility and loans and financial services to the approx.2537 members of the credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$20,043,538$20,834,361▲ $790,823
Other Notes and Loans Receivable, Net$10,565,985$11,330,920▲ $764,935
Savings and Temporary Cash Investments$6,609,310$7,010,391▲ $401,081
Cash and Non-Interest-Bearing Accounts$2,457,098$2,085,605▼ $371,493
Land, Buildings, and Equipment, Net$220,685$232,837▲ $12,152
Prepaid Expenses and Deferred Charges$3,744$8,733▲ $4,989
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Loans From Officers Directors$0--
Total Assets$20,084,286$20,903,962▲ $819,676
Other Assets Total$227,464$235,476▲ $8,012
Liabilities
Accounts Payable and Accrued Expenses$40,748$69,601▲ $28,853
Grants Payable$0--
Mortgage Notes Payable Secured by Investment Property$0--
Unsecured Notes Loans Payable$0--
Deferred Revenue$0--
Escrow Account Liability$0--
Tax Exempt Bond Liabilities$0--
Total Liabilities$40,748$69,601▲ $28,853
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,043,538$20,834,361▲ $790,823
Total Liabilities and Net Assets / Fund Balance$20,084,286$20,903,962▲ $819,676

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$108,558$122,826$231,384
Other Land Buildings$40,939$73,203$114,142
Equipment$7,340$91,993$99,333
Land$76,000-$76,000
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lonny NygrenExec Director/CEOFT$48,969$3,305$52,274

Board Members and Trustees

NameTitle
Daryl BraggBoard Chair
Darin MitchellBoard Vice-Chair
Bruce TufteBoard Member
Gary ProutyBoard Member
Marsha GundersonBoard Member
Paul RenickBoard Member
Stanley KovarikBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$964,681
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$227,858
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$421,611
Salaries, Compensation, and Employee Benefits$284,632
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$177,305
Information Technology---$154,583
Office Expenses---$60,104
Current Officers, Directors, Trustees, and Key Employees---$50,437
Benefits to Members---$30,580
Advertising---$28,245
Occupancy---$26,168
Other Employee Benefits---$25,452
Payroll Taxes---$17,993
Other Expenses---$17,400
Depreciation Depletion---$14,615
Fees for Services Accounting---$14,600
Pension Plan Contributions---$13,445
Payments to Affiliates---$12,785
Conferences and Meetings---$5,492
All Other Expenses---$5,084
Insurance---$3,762
Fees for Services Legal---$2,360
Travel---$856
Total Functional Expenses$0$0$0$736,823
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
Loans from Officers, Directors, Trustees, and Key Employees$0--
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“the Credit Union is owned by its members, each person with a member savings share account is eligible to vote”

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

“each member shareholder has one vote”

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

“accountant and the manager review the form 990”

Form 990, Part VI, Section C, Line 19

“available upon request”

Filing and Contact Details

Filer

EIN
45-0279071
Phone
7017722690

Signing Officer

Name
Chalon Yoder
Title
accounting
Phone
7017722690
Signed
2014-05-14

Organization Details

Principal Officer
Lonny Nygren
Formed
1958
Legal Domicile
Nd
Voting Board Members
7
Independent Board Members
0
Employees
8
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“change in member deposits over the past year”

Raw XML Appendix398 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/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt040748
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt069601
IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE A SAVINGS FACILITY AND LOANS AND FINANCIAL SERVICES TO THE APPROX.2537 MEMBERS OF THE CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt028245
IRS990/AllOtherExpensesGrp/TotalAmt05084
IRS990/AnnualDisclosureCoveredPrsnInd00
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IRS990/BenefitsToMembersGrp/TotalAmt030580
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10AREA SCHOOLS CREDIT UNION
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IRS990/BooksInCareOfDetail/USAddress/AddressLine102800 S WASHINGTON ST
IRS990/BooksInCareOfDetail/USAddress/City0GRAND FORKS
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
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IRS990/ProgramServiceRevenueGrp/Desc2INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3SERVICE CHARGE INCOME
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProhibitedTaxShelterTransInd00
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IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0394917
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01010498
IRS990/PYRevenuesLessExpensesAmt0306880
IRS990/PYSalariesCompEmpBnftPaidAmt0276767
IRS990/PYTotalExpensesAmt0703618
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01010498
IRS990/ReconcilationRevenueExpnssAmt0227858
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01017179
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt020043538
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt020834361
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06609310
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07010391
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0108558
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0122826
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0231384
IRS990ScheduleD/EquipmentGrp/BookValueAmt07340
IRS990ScheduleD/EquipmentGrp/DepreciationAmt091993
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt099333
IRS990ScheduleD/LandGrp/BookValueAmt076000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt076000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt040939
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt073203
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0114142
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0232837
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0the Credit Union is owned by its members, each person with a member savings share account is eligible to vote
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1each member shareholder has one vote
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2accountant and the manager review the form 990
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3available upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4change in member deposits over the past year
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 B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt020084286
IRS990/TotalAssetsEOYAmt020903962
IRS990/TotalAssetsGrp/BOYAmt020084286
IRS990/TotalAssetsGrp/EOYAmt020903962
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0736823
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt040748
IRS990/TotalLiabilitiesEOYAmt069601
IRS990/TotalLiabilitiesGrp/BOYAmt040748
IRS990/TotalLiabilitiesGrp/EOYAmt069601
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt020043538
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt020834361
IRS990/TotalOtherCompensationAmt03305
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0702023
IRS990/TotalProgramServiceRevenueAmt0964681
IRS990/TotalReportableCompFromOrgAmt048969
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0964681
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0964681
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020084286
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020903962
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0856
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102800 S Washington St
IRS990/USAddress/City0Grand Forks
IRS990/USAddress/State0ND
IRS990/USAddress/ZIPCode058201
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.gfaccu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Chalon Yoder
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0accounting
ReturnHeader/BusinessOfficerGrp/PhoneNum07017722690
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10AREA SCHOOLS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0AREA
ReturnHeader/Filer/EIN0450279071
ReturnHeader/Filer/PhoneNum07017722690
ReturnHeader/Filer/USAddress/AddressLine102800 S Washington St
ReturnHeader/Filer/USAddress/City0Grand Forks
ReturnHeader/Filer/USAddress/State0ND
ReturnHeader/Filer/USAddress/ZIPCode058201
ReturnHeader/ReturnTs02014-05-15T15:04:57-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,903,962
Liabilities
$69,601
Net assets
$20,834,361
Revenue
$964,681
Expenses
$736,823
Net income
$227,858
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$26.5$0.16$26.4$1.74$1.73$0.02
2023Detailed filing. Detailed filing data is available for this year.$26.2$0.25$25.9$1.41$1.35$0.06
2022Detailed filing. Detailed filing data is available for this year.$25.9$0.10$25.8$1.39$1.08$0.31
2021Detailed filing. Detailed filing data is available for this year.$27.1$0.06$27.1$1.28$1.06$0.22
2020Detailed filing. Detailed filing data is available for this year.$25.3$0.12$25.2$1.28$1.06$0.21
2019Detailed filing. Detailed filing data is available for this year.$23.7$0.09$23.6$1.31$0.99$0.33
2018Detailed filing. Detailed filing data is available for this year.$23.6$0.15$23.5$1.17$0.85$0.32
2017Detailed filing. Detailed filing data is available for this year.$22.3$0.05$22.3$1.07$0.87$0.20
2016Detailed filing. Detailed filing data is available for this year.$23.6$0.05$23.5$1.03$0.78$0.25
2015Detailed filing. Detailed filing data is available for this year.$22.0$0.03$22.0$0.91$0.74$0.17
2014Detailed filing. Detailed filing data is available for this year.$22.0$0.03$21.9$0.94$0.70$0.24
2013Detailed filing. Detailed filing data is available for this year.$20.9$0.07$20.8$0.96$0.74$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.1$0.04$20.0$0.70
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.8$0.04$20.7$0.85
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.7$0.07$19.6$0.91