Civic Intelligence

Elm River Credit Union

EIN 45-6012549 • 501(c)14 • Kindred, ND

View Organization Page

Profile

Provide services to members including savings, IRA's, CD's, share draft accounts, various types of loans and insurances. Also, debit cards, Visa credit cards, and online financial services.

PO Box 307 120 Spruce StKindred, ND 58051

www.elmriver.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2022

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2022

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2022

Top Officer Pay

100th percentile

$145,002

Higher top officer pay than 100% of similar nonprofits.

Top officer pay equals 12.9% of source-year revenue.

<$500k nonprofits • Source year 2019

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

9th percentile

-100%

Faster revenue growth than 9% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $33,835,086 (-100%) from 2021

Liabilities

Down

$0

Down $88,209 (-100%) from 2021

Net Assets

Down

$0

Down $33,746,877 (-100%) from 2021

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

Down

$0

Down $1,166,734 (-100%) from 2021

Expenses

Down

$0

Down $855,014 (-100%) from 2021

Net Income

Down

$0

Down $311,720 (-100%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$40M$30M$20M$10M$0Assets 2010: $15,892,208Liabilities 2010: $123,736Net Assets 2010: $15,768,4722010Assets 2011: $19,236,667Liabilities 2011: $83,151Net Assets 2011: $19,153,5162011Assets 2012: $21,809,230Liabilities 2012: $88,016Net Assets 2012: $21,721,2142012Assets 2013: $23,078,187Liabilities 2013: $696,633Net Assets 2013: $22,381,5542013Assets 2014: $23,451,464Liabilities 2014: $107,381Net Assets 2014: $23,344,0832014Assets 2015: $23,074,326Liabilities 2015: $89,362Net Assets 2015: $22,984,9642015Assets 2016: $22,907,010Liabilities 2016: $106,737Net Assets 2016: $22,800,2732016Assets 2017: $25,022,092Liabilities 2017: $120,017Net Assets 2017: $24,902,0752017Assets 2018: $26,013,110Liabilities 2018: $163,178Net Assets 2018: $25,849,9322018Assets 2019: $25,383,210Liabilities 2019: $167,364Net Assets 2019: $25,215,8462019Assets 2020: $28,458,173Liabilities 2020: $169,363Net Assets 2020: $28,288,8102020Assets 2021: $33,835,086Liabilities 2021: $88,209Net Assets 2021: $33,746,8772021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2022

Assets$0
Liabilities$0
Net Assets$0
Open 2022 Filing

Operations Trend

Revenue Growth9th percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $718,3542010Expenses 2011: $711,1972011Expenses 2012: $707,8562012Revenue 2013: $1,009,400Expenses 2013: $708,081Net Income 2013: $301,3192013Revenue 2014: $1,047,409Expenses 2014: $736,623Net Income 2014: $310,7862014Revenue 2015: $1,048,641Expenses 2015: $747,010Net Income 2015: $301,6312015Revenue 2016: $998,153Expenses 2016: $794,523Net Income 2016: $203,6302016Revenue 2017: $993,350Expenses 2017: $748,830Net Income 2017: $244,5202017Revenue 2018: $1,040,107Expenses 2018: $805,306Net Income 2018: $234,8012018Revenue 2019: $1,124,069Expenses 2019: $857,482Net Income 2019: $266,5872019Revenue 2020: $1,041,491Expenses 2020: $860,419Net Income 2020: $181,0722020Revenue 2021: $1,166,734Expenses 2021: $855,014Net Income 2021: $311,7202021Revenue 2022: $0Expenses 2022: $0Net Income 2022: $02022

Highlighted filing

2022

Revenue$0
Expenses$0
Net Income$0
Open 2022 Filing

Filings

Most recent year

2022 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$0
Expenses
$0
Net income
$0
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.00$0.00$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.8$0.09$33.7$1.17$0.86$0.31
2020Summary only. Only limited summary data is available for this year.$28.5$0.17$28.3$1.04$0.86$0.18
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.4$0.17$25.2$1.12$0.86$0.27
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.0$0.16$25.8$1.04$0.81$0.23
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.0$0.12$24.9$0.99$0.75$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.9$0.11$22.8$1.00$0.79$0.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.1$0.09$23.0$1.05$0.75$0.30
2014Detailed filing. Detailed filing data is available for this year.$23.5$0.11$23.3$1.05$0.74$0.31
2013Detailed filing. Detailed filing data is available for this year.$23.1$0.70$22.4$1.01$0.71$0.30
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.8$0.09$21.7$0.71
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.2$0.08$19.2$0.71
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.9$0.12$15.8$0.72
Latest Detailed Filing

The latest 2022 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2019 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 10, 2020
Return Version
2019v5.0
Gross Receipts
$1,124,069
Mission and Program Overview

Mission

Provide services to members including savings, IRA's, CD's, share draft accounts, various types of loans and insurances. Also, debit cards, Visa credit cards, and online financial services.

Provide services to members including savings, IRA's, CD's, share draft accounts, various types of loans and insurances. Also, debit cards, Visa credit cards, and online financial services and bill pay.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$21,874,510$20,973,837▼ $900,673
Other Notes and Loans Receivable, Net$16,707,511$17,075,871▲ $368,360
Savings and Temporary Cash Investments$6,524,928$5,569,744▼ $955,184
Rtn Earn Endowment Incm Other Fnds$3,718,448$3,985,035▲ $266,587
Receivables From Officers Etc$1,883,647$1,696,121▼ $187,526
Cash and Non-Interest-Bearing Accounts$216,559$279,969▲ $63,410
Pd in Cap Srpls Land Bldg Eqp Fund$256,974$256,974→ $0
Land, Buildings, and Equipment, Net$227,905$250,274▲ $22,369
Prepaid Expenses and Deferred Charges$6,710$19,217▲ $12,507
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$26,013,110$25,383,210▼ $629,900
Other Assets Total$445,850$492,014▲ $46,164
Liabilities
Accounts Payable and Accrued Expenses$163,178$167,364▲ $4,186
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$163,178$167,364▲ $4,186
Net Assets / Fund Balance
Total Net Assets Fund Balance$25,849,932$25,215,846▼ $634,086
Total Liabilities and Net Assets / Fund Balance$26,013,110$25,383,210▼ $629,900

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$91,625$240,258$0
Other Land Buildings$0$0$0
Land$83,000-$0
Equipment$75,649$217,774$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay100th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Erin OlstadCEOFT$145,002$145,002

Board Members and Trustees

NameTitle
Dale BjerkeCredit Committee Chairman
Randy CramerPresident
Harvey AbrahamVice-President
Bruce ChristmannBoard Member
Dale BjerkeBoard member
Harvey AbrahamCredit Committee member
James LindsethCredit Committee member
Randy CramerCredit Committee member
Ronald Stuart SwandalCredit Committee member
Ronald Stuart SwandalSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$78,884
Other Revenue
$1,045,185
Change in Net Assets
$266,587

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,124,069
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$1,124,069
Total Revenue per Form 990
$1,124,069
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$443,853
Other Expenses$302,666
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$207,669$0$207,669
Current Officers, Directors, Trustees, and Key Employees$0$145,002$0$145,002
Benefits to Members$110,963--$110,963
Fees for Services Accounting$76,796$0$0$76,796
Other Employee Benefits$0$48,386$0$48,386
Office Expenses$0$42,971$0$42,971
Occupancy$0$40,200$0$40,200
Depreciation Depletion$0$25,946$0$25,946
Payroll Taxes$0$24,278$0$24,278
Pension Plan Contributions$0$18,518$0$18,518
Information Technology$10,423$0$0$10,423
Advertising$7,848$0$0$7,848
Travel$0$6,661$0$6,661
Conferences and Meetings$0$4,208$0$4,208
Fees for Services Other$0$4,080$0$4,080
All Other Expenses$0$1,569-$1,569
Other Expenses$1,000$0$0$1,000
Insurance$1,000$0$0$1,000
Total Functional Expenses$287,994$569,488$0$857,482

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$857,482
Total Expenses per Audited Statements$857,482
Total Expenses per Form 990$857,482
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,883,647$1,696,121▼ $187,526
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
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

“We are a cooperative and the members are the owners.”

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

“The members elect the Board of Directors and Credit Committee for 3 year terms staggered at every annual meeting of the members. The Board of Directors then govern the credit union on behalf of the members.”

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

“It is completed by the CEO of the credit union and reviewed by the Board of Directors.”

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

“Board members and employees are required to disclose any conflict of interest at the monthly board meetings or to the CEO of the credit union. We operate in 2 small communities and have knowledge of potential conflicts of interest. If anyone has a conflict of interest, they are excluded from any decision making or discussion.”

Form 990, Part VI, Section C, Line 19

“We disclose this information at the annual meeting of the members.”

Filing and Contact Details

Filer

Filer Name
Elm River Credit Union
EIN
45-6012549
Phone
7014289111
Address
PO Box 307 120 Spruce St, Kindred, ND 58051

Signing Officer

Name
Erin Olstad
Title
CEO
Phone
7014289111
Signed
2020-05-10

Organization Details

Principal Officer
Erin Olstad
Formed
1954
Legal Domicile
Nd
Voting Board Members
5
Independent Board Members
0
Employees
6
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in members deposits from 2018 to 2019.”

Raw XML AppendixShowing 400 of 741 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/BOYAmt0163178
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0167364
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Provide services to members including savings, IRA's, CD's, share draft accounts, various types of loans and insurances. Also, debit cards, Visa credit cards, and online financial services and bill pay.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt07848
IRS990/AdvertisingGrp/TotalAmt07848
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt01569
IRS990/AllOtherExpensesGrp/ProgramServicesAmt00
IRS990/AllOtherExpensesGrp/TotalAmt01569
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt0110963
IRS990/BenefitsToMembersGrp/TotalAmt0110963
IRS990/BooksInCareOfDetail/PersonNm0Erin Olstad
IRS990/BooksInCareOfDetail/PhoneNum07014289111
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 307
IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt0120 Spruce St
IRS990/BooksInCareOfDetail/USAddress/CityNm0Kindred
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ND
IRS990/BooksInCareOfDetail/USAddress/ZIPCd058051
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt021874510
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt020973837
IRS990/CashNonInterestBearingGrp/BOYAmt0216559
IRS990/CashNonInterestBearingGrp/EOYAmt0279969
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0145002
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0145002
IRS990/CompDisqualPersonsGrp/FundraisingAmt00
IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt00
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt04208
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt00
IRS990/ConferencesMeetingsGrp/TotalAmt04208
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt0110963
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt078884
IRS990/CYOtherExpensesAmt0302666
IRS990/CYOtherRevenueAmt01045185
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt0266587
IRS990/CYSalariesCompEmpBnftPaidAmt0443853
IRS990/CYTotalExpensesAmt0857482
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01124069
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt025946
IRS990/DepreciationDepletionGrp/ProgramServicesAmt00
IRS990/DepreciationDepletionGrp/TotalAmt025946
IRS990/Desc0Loan Income
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt06
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt0193451
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt076796
IRS990/FeesForServicesAccountingGrp/TotalAmt076796
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/FundraisingAmt00
IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/FundraisingAmt00
IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt04080
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt04080
IRS990/FeesForServicesProfFundraising/FundraisingAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1050.0
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0Randy Cramer
IRS990/Form990PartVIISectionAGrp/PersonNm1Harvey Abraham
IRS990/Form990PartVIISectionAGrp/PersonNm2Ronald Stuart Swandal
IRS990/Form990PartVIISectionAGrp/PersonNm3Bruce Christmann
IRS990/Form990PartVIISectionAGrp/PersonNm4Dale Bjerke
IRS990/Form990PartVIISectionAGrp/PersonNm5Dale Bjerke
IRS990/Form990PartVIISectionAGrp/PersonNm6Harvey Abraham
IRS990/Form990PartVIISectionAGrp/PersonNm7James Lindseth
IRS990/Form990PartVIISectionAGrp/PersonNm8Randy Cramer
IRS990/Form990PartVIISectionAGrp/PersonNm9Ronald Stuart Swandal
IRS990/Form990PartVIISectionAGrp/PersonNm10Erin Olstad
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10145002
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/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Credit Committee Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt6Credit Committee member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Credit Committee member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Credit Committee member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Credit Committee member
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01124069
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt010423
IRS990/InformationTechnologyGrp/TotalAmt010423
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt01000
IRS990/InsuranceGrp/TotalAmt01000
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt078884
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt078884
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0458032
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0227905
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0250274
IRS990/LandBldgEquipCostOrOtherBssAmt0708306
IRS990/LegalDomicileStateCd0ND
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Provide services to members including savings, IRA's, CD's, share draft accounts, various types of loans and insurances. Also, debit cards, Visa credit cards, and online financial services.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt025849932
IRS990/NetAssetsOrFundBalancesEOYAmt025215846
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt040200
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt040200
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt042971
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt042971
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0445850
IRS990/OtherAssetsTotalGrp/EOYAmt0492014
IRS990/OtherChangesInNetAssetsAmt0-900673
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt048386
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt048386
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Annual Meeting Expenses
IRS990/OtherExpensesGrp/Desc2Over/Short
IRS990/OtherExpensesGrp/Desc3Provision for Loan Loss
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt078803
IRS990/OtherExpensesGrp/ProgramServicesAmt11266
IRS990/OtherExpensesGrp/ProgramServicesAmt2-105
IRS990/OtherExpensesGrp/ProgramServicesAmt31000
IRS990/OtherExpensesGrp/TotalAmt078803
IRS990/OtherExpensesGrp/TotalAmt11266
IRS990/OtherExpensesGrp/TotalAmt2-105
IRS990/OtherExpensesGrp/TotalAmt31000
IRS990/OtherOrganizationDsc0Cooperative
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/BusinessCd2522130
IRS990/OtherRevenueMiscGrp/Desc0Interest on Loans
IRS990/OtherRevenueMiscGrp/Desc1Fees and Charges
IRS990/OtherRevenueMiscGrp/Desc2Insurance and Miscellaneous
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/ExclusionAmt20
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0925317
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1116534
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt23334
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0925317
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1116534
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt23334
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt20
IRS990/OtherRevenueTotalAmt01045185
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0207669
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0207669
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt016707511
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt017075871
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt024278
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt024278
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0256974
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0256974
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt018518
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt018518
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06710
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt019217
IRS990/PrincipalOfficerNm0Erin Olstad
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgSrvcAccomActy2Grp/Desc0Fees and Charges
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt034960
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0116534
IRS990/ProgSrvcAccomActy3Grp/Desc0Visa Debit and Credit Cards
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt059583
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt098079
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt059423
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt054212

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)14 • <$500k nonprofits