Liabilities / Assets
10th percentile
Higher debt load relative to assets than 10% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
10th percentile
Higher debt load relative to assets than 10% of similar nonprofits.
Liabilities / Revenue
10th percentile
Higher debt load relative to revenue than 10% of similar nonprofits.
Net Margin
97th percentile
Higher net margin than 97% of similar nonprofits.
Top Officer Pay
92nd percentile
Higher top officer pay than 92% of similar nonprofits.
Top officer pay equals 11.2% of source-year revenue.
Asset Growth
82nd percentile
Faster asset growth than 82% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Up$23,078,187
Up $1,268,957 (+5.8%) from 2012
Net Assets
Up$22,381,554
Up $660,340 (+3.0%) from 2012
Liabilities
Up$696,633
Up $608,617 (+691%) from 2012
Revenue
$1,009,400
No earlier filing loaded for comparison.
Expenses
Up$708,081
Up $225 (+0.0%) from 2012
Net Income
$301,319
No earlier filing loaded for comparison.
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.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Cap Stk Tr Prin Current Funds | $19,342,478 | $19,701,499 | ▲ $359,021 |
| Other Notes and Loans Receivable, Net | $14,731,327 | $18,016,318 | ▲ $3,284,991 |
| Savings and Temporary Cash Investments | $4,929,607 | $2,596,611 | ▼ $2,332,996 |
| Rtn Earn Endowment Incm Other Fnds | $2,121,762 | $2,423,081 | ▲ $301,319 |
| Investments Other Securities | $1,259,138 | $1,580,508 | ▲ $321,370 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $256,974 | $256,974 | → $0 |
| Land, Buildings, and Equipment, Net | $246,659 | $240,249 | ▼ $6,410 |
| Cash and Non-Interest-Bearing Accounts | $221,010 | $211,494 | ▼ $9,516 |
| Prepaid Expenses and Deferred Charges | $10,416 | $7,688 | ▼ $2,728 |
| Accounts Receivable | $-388 | $942 | ▲ $1,330 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Receivables From Officers Etc | $0 | $0 | → $0 |
| Investments in Publicly Traded Securities | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Total Assets | $21,809,230 | $23,078,187 | ▲ $1,268,957 |
| Other Assets Total | $411,461 | $424,377 | ▲ $12,916 |
| Liabilities | |||
| Unsecured Notes Loans Payable | $0 | $600,000 | ▲ $600,000 |
| Accounts Payable and Accrued Expenses | $88,016 | $96,633 | ▲ $8,617 |
| Grants Payable | $0 | $0 | → $0 |
| Mortgage Notes Payable Secured by Investment Property | $0 | $0 | → $0 |
| Deferred Revenue | $0 | $0 | → $0 |
| Escrow Account Liability | $0 | $0 | → $0 |
| Tax Exempt Bond Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $88,016 | $696,633 | ▲ $608,617 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $21,721,214 | $22,381,554 | ▲ $660,340 |
| Total Liabilities and Net Assets / Fund Balance | $21,809,230 | $23,078,187 | ▲ $1,268,957 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $153,246 | $178,637 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $83,000 | - | $0 |
| Equipment | $4,003 | $139,171 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $1,580,508 | - | - |
| Closely Held Equity Interests | $0 | - | - |
| Financial Derivatives | $0 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Erin Olstad | CEO | FT | $113,419 | $113,419 |
| Name | Title |
|---|---|
| Dale Bjerke | Credit Committee Chairman |
| Randy Cramer | President |
| Harvey Abraham | Vice-President |
| Dale Bjerke | Board member |
| Gary Bommersbach | Board Member |
| Gary Bommersbach | Credit Committee member |
| Harvey Abraham | Credit Committee member |
| James Lindseth | Credit Committee member |
| Randy Cramer | Credit Committee member |
| Robert Clarke | Secretary |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $348,443 |
| Other Expenses | $301,702 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $0 | $188,603 | $0 | $188,603 |
| Current Officers, Directors, Trustees, and Key Employees | $0 | $113,419 | $0 | $113,419 |
| Fees for Services Accounting | $62,630 | $0 | $0 | $62,630 |
| Benefits to Members | $57,936 | - | - | $57,936 |
| Office Expenses | $0 | $53,868 | $0 | $53,868 |
| Occupancy | $0 | $32,662 | $0 | $32,662 |
| Payroll Taxes | $0 | $23,105 | $0 | $23,105 |
| Pension Plan Contributions | $0 | $18,091 | $0 | $18,091 |
| Insurance | $16,850 | $0 | $0 | $16,850 |
| Advertising | $13,907 | $0 | $0 | $13,907 |
| Other Expenses | $11,579 | $0 | $0 | $11,579 |
| Depreciation Depletion | $0 | $10,916 | $0 | $10,916 |
| Fees for Services Other | $0 | $10,200 | $0 | $10,200 |
| Travel | $0 | $5,274 | $0 | $5,274 |
| Other Employee Benefits | $0 | $5,225 | $0 | $5,225 |
| Conferences and Meetings | $0 | $3,348 | $0 | $3,348 |
| All Other Expenses | $0 | $1,858 | $0 | $1,858 |
| Information Technology | $339 | $0 | $0 | $339 |
| Total Functional Expenses | $241,512 | $466,569 | $0 | $708,081 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $708,081 |
| Total Expenses per Audited Statements | $708,081 |
| Total Expenses per Form 990 | $708,081 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Harvey Abraham | Board member | Farmland loan | No | $334,673 |
| Robert Clarke | Board member | Real estate loan | No | $238,322 |
| - | CEO | Real estate loan | No | $186,898 |
| James Lindseth | Randy Cramer Board member | Real Estate loan | No | $85,172 |
| Robert Clarke | Board member | Real estate loan | No | $59,179 |
| - | CEO | Co-borrower on real estate loan | No | $53,114 |
| - | Assistant Manager | Real Estate loan | No | $49,951 |
| Gary Bommersbach | Board member | Cosign son's real estate loan | No | $35,545 |
| - | CEO | Vehicle loan | No | $32,457 |
| James Lindseth | Board member | Real estate lot | No | $27,472 |
| Dale Bjerke | Board member | Vehicle loan | No | $25,457 |
| James Lindseth | Board member | Vehicle loan | No | $20,000 |
| Robert Clarke | Board member | Vehicle loan | No | $14,781 |
| - | Assistant Manager | Real Estate loan | No | $11,898 |
| Harvey Abraham | Board member | Vehicle loan | No | $11,276 |
| Gary Bommersbach | Board member | Vehicle loan | No | $8,732 |
| Randy Cramer | Board member | Co-sign Wife's Vehicle loan | No | $8,400 |
| Erin Olstad | Credit Committee member | Vehicle loan | No | $7,618 |
| Harvey Abraham | Board member | Seed Equipment loan | No | $7,222 |
| Erin Olstad | Credit Committee member | Vehicle loan | No | $6,870 |
| Harvey Abraham | Board member | Tractor loan | No | $6,747 |
| Pamela Reis | Credit Committee member | Co-signed Vehicle loan | No | $6,386 |
| Harvey Abraham | Board member | Machinery, vehicle loan | No | $6,000 |
| Harvey Abraham | Board member | Lawn Tractor loan | No | $3,299 |
| Harvey Abraham | Board member | Share secured loan | No | $3,000 |
| Randy Cramer | Board member | Service truck loan | No | $2,900 |
| Randy Cramer | Board member | Tractor loan | No | $2,731 |
| Dale Bjerke | Board member | Vehicle loan | No | $2,665 |
| Robert Clarke | Board member | ATV loan | No | $2,391 |
| James Lindseth | Board member | Vehicle loan | No | $2,195 |
| Erin Olstad | Credit Committee | Co-signed Ready Reserve Line of Credit | No | $760 |
| Erin Olstad | Credit Committee member | Ready Reserve Line of Credit | No | $616 |
| Robert Clarke | Board member | Son's co-signed Visa card | No | $288 |
| Harvey Abraham | Board member | Visa line of credit | No | $211 |
| James Lindseth | Erin Olstad/CEO | Business Credit Card | No | $192 |
| Gary Bommersbach | Board member | Daughter's Visa card | No | $146 |
| Pamela Reis | CEO | Share Secured Visa Card | No | $32 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
“We are a cooperative and the members are the owners.”
“The members elect the Board of Directors and Credit Committee for 3 year terms at every annual meeting of the members. The Board of Directors then govern the credit union on behalf of the members.”
“It is completed by the CEO of the credit union and reviewed by the Board of Directors.”
“Board members and employees are required to disclose any conflict of interests at the monthly Board meetings or to the CEO of the credit union. We operate in 2 small communities and have knowledge of possible conflicts of interest. If anyone has a conflict of interest, they are excluded from any decision making or discussion.”
“We disclose this information at the annual meeting of the members.”
“Increase in member deposits since year end 2012.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 88016 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 96633 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | -388 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 942 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | 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. |
| IRS990/AdvertisingGrp/FundraisingAmt | 0 | 0 |
| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 13907 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 13907 |
| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 1858 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 1858 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/ProgramServicesAmt | 0 | 57936 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 57936 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Erin Olstad |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7014289111 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | PO Box 307 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine2 | 0 | 120 Spruce St |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | Kindred |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | ND |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 58051 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 1 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 19342478 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 19701499 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 221010 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 211494 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 113419 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 113419 |
| IRS990/CompDisqualPersonsGrp/FundraisingAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 0 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/FundraisingAmt | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 3348 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 3348 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 57936 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 26994 |
| IRS990/CYOtherExpensesAmt | 0 | 301702 |
| IRS990/CYOtherRevenueAmt | 0 | 982406 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 0 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 301319 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 348443 |
| IRS990/CYTotalExpensesAmt | 0 | 708081 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1009400 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 10916 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 10916 |
| IRS990/Desc | 0 | Loan Income |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 7 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 128717 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 62630 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 62630 |
| IRS990/FeesForServicesLegalGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 10200 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 10200 |
| IRS990/FeesForServicesProfFundraising/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 50.0 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Randy Cramer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Harvey Abraham |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Robert Clarke |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Gary Bommersbach |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Dale Bjerke |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Dale Bjerke |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Harvey Abraham |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | James Lindseth |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Randy Cramer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Gary Bommersbach |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Erin Olstad |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 113419 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice-President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Credit Committee Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Credit Committee member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Credit Committee member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Credit Committee member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Credit Committee member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1954 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/BOYAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/EOYAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1009400 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 0 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/FundraisingAmt | 0 | 0 |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 339 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 339 |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 0 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 16850 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 16850 |
| IRS990/InterestGrp/FundraisingAmt | 0 | 0 |
| IRS990/InterestGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 26994 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 26994 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 1259138 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 1580508 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 16697 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 317808 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 246659 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 240249 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 558057 |
| IRS990/LegalDomicileStateCd | 0 | ND |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 21721214 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 22381554 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 32662 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 32662 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 53868 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 53868 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 411461 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 424377 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 359021 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 5225 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 5225 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 1 | Annual Meeting Expense |
| IRS990/OtherExpensesGrp/Desc | 2 | Over/Short |
| IRS990/OtherExpensesGrp/Desc | 3 | Provision for Loan Loss |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 3 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 0 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 76797 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 1175 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 299 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 11579 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 76797 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 1175 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 299 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 11579 |
| IRS990/OtherOrganizationDsc | 0 | Cooperative |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522130 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522130 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 522130 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Interest on Loans |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Fees and Charges |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | Insurance & Misc |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 2 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 828735 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 153470 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 201 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 828735 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 153470 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 201 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 982406 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 188603 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 188603 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 14731327 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 18016318 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/FundraisingAmt | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 23105 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 23105 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 256974 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 256974 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 18091 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 18091 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 10416 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 7688 |
| IRS990/PrincipalOfficerNm | 0 | Erin Olstad |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Fees and Charges |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 47576 |
| IRS990/ProgSrvcAccomActy2Grp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 153470 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Visa Debit and Credit Cards |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 65219 |
| IRS990/ProgSrvcAccomActy3Grp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 78907 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 67235 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 23415 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.