Civic Intelligence

Elm River Credit Union

990 • Fiscal year 2014 • EIN 45-6012549

Jan 01, 2014 to Dec 31, 2014 • Filed on May 08, 2015

Organization Profilewww.elmriver.org

View Organization Page

PO Box 307120 Spruce StKindred, ND 58051

(701) 428-9111

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.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

7th percentile

0.10x

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

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

96th percentile

30%

Higher net margin than 96% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

92nd percentile

$119,130

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 11.4% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

48th percentile

1.6%

Faster asset growth than 48% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

73rd percentile

3.8%

Faster revenue growth than 73% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets7th percentile

Assets

Up

$23,451,464

Up $373,277 (+1.6%) from 2013

Net Assets

Up

$23,344,083

Up $962,529 (+4.3%) from 2013

Liabilities

Down

$107,381

Down $589,252 (-85%) from 2013

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin96th percentile

Revenue

Up

$1,047,409

Up $38,009 (+3.8%) from 2013

Expenses

Up

$736,623

Up $28,542 (+4.0%) from 2013

Net Income

Up

$310,786

Up $9,467 (+3.1%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$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

2014

Assets$23,451,464
Liabilities$107,381
Net Assets$23,344,083
Open 2014 Filing

Operations Trend

Revenue Growth73rd percentile

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$1,047,409
Expenses$736,623
Net Income$310,786
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 8, 2015
Return Version
2014v5.0
Gross Receipts
$1,047,409
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$19,701,499$20,353,242▲ $651,743
Other Notes and Loans Receivable, Net$18,016,318$17,286,833▼ $729,485
Savings and Temporary Cash Investments$2,596,611$3,192,633▲ $596,022
Rtn Earn Endowment Incm Other Fnds$2,423,081$2,733,867▲ $310,786
Receivables From Officers Etc$0$1,059,655▲ $1,059,655
Investments Other Securities$1,580,508$1,015,997▼ $564,511
Pd in Cap Srpls Land Bldg Eqp Fund$256,974$256,974→ $0
Cash and Non-Interest-Bearing Accounts$211,494$244,857▲ $33,363
Land, Buildings, and Equipment, Net$240,249$230,827▼ $9,422
Prepaid Expenses and Deferred Charges$7,688$26,134▲ $18,446
Accounts Receivable$942$2,129▲ $1,187
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$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$23,078,187$23,451,464▲ $373,277
Other Assets Total$424,377$392,399▼ $31,978
Liabilities
Unsecured Notes Loans Payable$600,000$0▼ $600,000
Accounts Payable and Accrued Expenses$96,633$107,381▲ $10,748
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$696,633$107,381▼ $589,252
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,381,554$23,344,083▲ $962,529
Total Liabilities and Net Assets / Fund Balance$23,078,187$23,451,464▲ $373,277

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$142,976$188,907$0
Other Land Buildings$0$0$0
Land$83,000-$0
Equipment$4,851$151,605$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Erin OlstadCEOFT$119,130$119,130

Board Members and Trustees

NameTitle
Dale BjerkeCredit Committee Chairman
Randy CramerPresident
Harvey AbrahamVice-President
Dale BjerkeBoard member
R Stuart SwandalBoard Member
Harvey AbrahamCredit Committee member
James LindsethCredit Committee member
R Stuart SwandalCredit Committee member
Randy CramerCredit Committee member
Robert ClarkeSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$17,369
Other Revenue
$1,030,040
Change in Net Assets
$310,786

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,047,409
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$1,047,409
Total Revenue per Form 990
$1,047,409
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$387,111
Other Expenses$297,947
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$215,743$0$215,743
Current Officers, Directors, Trustees, and Key Employees$0$119,130$0$119,130
Office Expenses$0$56,958$0$56,958
Fees for Services Accounting$54,433$0$0$54,433
Benefits to Members$51,565--$51,565
Occupancy$0$32,952$0$32,952
Payroll Taxes$0$24,999$0$24,999
Pension Plan Contributions$0$18,328$0$18,328
Fees for Services Other$0$13,517$0$13,517
Depreciation Depletion$0$12,665$0$12,665
Advertising$9,611$0$0$9,611
Other Employee Benefits$0$8,911$0$8,911
Other Expenses$8,400$0$0$8,400
Travel$0$5,794$0$5,794
All Other Expenses$0$5,041$0$5,041
Conferences and Meetings$0$3,004$0$3,004
Insurance$1,570$0$0$1,570
Interest$319$0$0$319
Information Technology$99$0$0$99
Total Functional Expenses$219,581$517,042$0$736,623

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$736,623
Total Expenses per Audited Statements$736,623
Total Expenses per Form 990$736,623
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$0$1,059,655▲ $1,059,655
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
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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

“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 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 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.”

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
2015-05-08

Organization Details

Principal Officer
Erin Olstad
Formed
1954
Legal Domicile
Nd
Voting Board Members
5
Independent Board Members
0
Employees
8
Volunteers
6
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in members deposits from year end 2013.”

Raw XML AppendixShowing 400 of 831 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt096633
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0107381
IRS990/AccountsReceivableGrp/BOYAmt0942
IRS990/AccountsReceivableGrp/EOYAmt02129
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/ProgramServicesAmt09611
IRS990/AdvertisingGrp/TotalAmt09611
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt05041
IRS990/AllOtherExpensesGrp/ProgramServicesAmt00
IRS990/AllOtherExpensesGrp/TotalAmt05041
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt051565
IRS990/BenefitsToMembersGrp/TotalAmt051565
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/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt019701499
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt020353242
IRS990/CashNonInterestBearingGrp/BOYAmt0211494
IRS990/CashNonInterestBearingGrp/EOYAmt0244857
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0119130
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0119130
IRS990/CompDisqualPersonsGrp/FundraisingAmt00
IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt00
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt03004
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt00
IRS990/ConferencesMeetingsGrp/TotalAmt03004
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt051565
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt017369
IRS990/CYOtherExpensesAmt0297947
IRS990/CYOtherRevenueAmt01030040
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt0310786
IRS990/CYSalariesCompEmpBnftPaidAmt0387111
IRS990/CYTotalExpensesAmt0736623
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01047409
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt012665
IRS990/DepreciationDepletionGrp/ProgramServicesAmt00
IRS990/DepreciationDepletionGrp/TotalAmt012665
IRS990/Desc0Loan Income
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt0111927
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt054433
IRS990/FeesForServicesAccountingGrp/TotalAmt054433
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/ManagementAndGeneralAmt013517
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt013517
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
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
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/PersonNm2Robert Clarke
IRS990/Form990PartVIISectionAGrp/PersonNm3R Stuart Swandal
IRS990/Form990PartVIISectionAGrp/PersonNm4Dale Bjerke
IRS990/Form990PartVIISectionAGrp/PersonNm5Dale Bjerke
IRS990/Form990PartVIISectionAGrp/PersonNm6Harvey Abraham
IRS990/Form990PartVIISectionAGrp/PersonNm7James Lindseth
IRS990/Form990PartVIISectionAGrp/PersonNm8Randy Cramer
IRS990/Form990PartVIISectionAGrp/PersonNm9R 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/ReportableCompFromOrgAmt10119130
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/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01047409
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/ProgramServicesAmt099
IRS990/InformationTechnologyGrp/TotalAmt099
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt01570
IRS990/InsuranceGrp/TotalAmt01570
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0319
IRS990/InterestGrp/TotalAmt0319
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt017369
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt017369
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01580508
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01015997
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt04
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0340512
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0240249
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0230827
IRS990/LandBldgEquipCostOrOtherBssAmt0571339
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/NetAssetsOrFundBalancesBOYAmt022381554
IRS990/NetAssetsOrFundBalancesEOYAmt023344083
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt032952
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt032952
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt056958
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt056958
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0424377
IRS990/OtherAssetsTotalGrp/EOYAmt0392399
IRS990/OtherChangesInNetAssetsAmt0651743
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt08911
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt08911
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Annual Meeting
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/ProgramServicesAmt092307
IRS990/OtherExpensesGrp/ProgramServicesAmt11408
IRS990/OtherExpensesGrp/ProgramServicesAmt2-131
IRS990/OtherExpensesGrp/ProgramServicesAmt38400
IRS990/OtherExpensesGrp/TotalAmt092307
IRS990/OtherExpensesGrp/TotalAmt11408
IRS990/OtherExpensesGrp/TotalAmt2-131
IRS990/OtherExpensesGrp/TotalAmt38400
IRS990/OtherOrganizationDsc0Cooperative
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/BusinessCd2522130
IRS990/OtherRevenueMiscGrp/Desc0Interest on Loans
IRS990/OtherRevenueMiscGrp/Desc1Fees and Charges
IRS990/OtherRevenueMiscGrp/Desc2Insurance & Misc
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/ExclusionAmt20
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0877720
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1152227
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt293
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0877720
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1152227
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt293
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt20
IRS990/OtherRevenueTotalAmt01030040
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0215743
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0215743
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt018016318
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt017286833
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt024999
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt024999
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0256974
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0256974
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt018328
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt018328
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt07688
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt026134
IRS990/PrincipalOfficerNm0Erin Olstad
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgSrvcAccomActy2Grp/Desc0Fees and Charges
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt047190
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0152227
IRS990/ProgSrvcAccomActy3Grp/Desc0Visa Debit and Credit Cards
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt060464
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt084089
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYRevenuesLessExpensesAmt00
IRS990/PYTotalExpensesAmt00
IRS990/PYTotalRevenueAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01059655
IRS990/ReconcilationRevenueExpnssAmt0310786

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,451,464
Liabilities
$107,381
Net assets
$23,344,083
Revenue
$1,047,409
Expenses
$736,623
Net income
$310,786
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