Civic Intelligence

Bear Paw Credit Union

EIN 81-0264486 • 501(c)14 • Havre, MT

View Organization Page

Profile

Our credit union is a not-for-profit member owned financial organization. Our goals are to provide the best possible financial services to our members at competitive rates and to promote thrift and sound financial management.

201 Second StreetHavre, MT 59501

www.bearpawcu.org

Siviq Scores

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

Liabilities / Assets

2nd percentile

0.01x

Higher debt load relative to assets than 2% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Liabilities / Revenue

3rd percentile

0.21x

Higher debt load relative to revenue than 3% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Net Margin

33rd percentile

7.7%

Higher net margin than 33% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

36th percentile

0.5%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Revenue Growth

46th percentile

14%

Faster revenue growth than 46% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets2nd percentile

Assets

Up

$144,965,959

Up $781,913 (+0.5%) from 2021

Liabilities

Up

$1,100,778

Up $354,813 (+48%) from 2021

Net Assets

Up

$143,865,181

Up $427,100 (+0.3%) from 2021

Operations
Liabilities / Revenue3rd percentileNet Margin33rd percentile

Revenue

Up

$5,276,975

Up $654,517 (+14%) from 2021

Expenses

Up

$4,870,945

Up $148,413 (+3.1%) from 2021

Net Income

Up

$406,030

Up $506,104 (+506%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$150M$100M$50M$0Assets 2010: $67,074,980Liabilities 2010: $522,824Net Assets 2010: $66,552,1562010Assets 2011: $80,071,761Liabilities 2011: $442,883Net Assets 2011: $79,628,8782011Assets 2012: $94,899,869Liabilities 2012: $509,679Net Assets 2012: $94,390,1902012Assets 2013: $99,291,140Liabilities 2013: $637,220Net Assets 2013: $98,653,9202013Assets 2014: $104,624,227Liabilities 2014: $562,599Net Assets 2014: $104,061,6282014Assets 2015: $114,705,919Liabilities 2015: $583,541Net Assets 2015: $114,122,3782015Assets 2016: $116,877,144Liabilities 2016: $672,957Net Assets 2016: $116,204,1872016Assets 2017: $117,724,544Liabilities 2017: $951,353Net Assets 2017: $116,773,1912017Assets 2018: $113,468,926Liabilities 2018: $473,973Net Assets 2018: $112,994,9532018Assets 2019: $111,203,057Liabilities 2019: $534,164Net Assets 2019: $110,668,8932019Assets 2020: $128,499,278Liabilities 2020: $609,966Net Assets 2020: $127,889,3122020Assets 2021: $144,184,046Liabilities 2021: $745,965Net Assets 2021: $143,438,0812021Assets 2022: $144,965,959Liabilities 2022: $1,100,778Net Assets 2022: $143,865,1812022

Highlighted filing

2022

Assets$144,965,959
Liabilities$1,100,778
Net Assets$143,865,181
Open 2022 Filing

Operations Trend

Revenue Growth46th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,461,5782010Expenses 2011: $4,334,7512011Expenses 2012: $4,620,8372012Revenue 2013: $4,985,483Expenses 2013: $4,602,550Net Income 2013: $382,9332013Revenue 2014: $4,862,448Expenses 2014: $4,352,357Net Income 2014: $510,0912014Revenue 2015: $4,688,850Expenses 2015: $4,543,585Net Income 2015: $145,2652015Revenue 2016: $4,955,581Expenses 2016: $4,748,725Net Income 2016: $206,8562016Revenue 2017: $4,934,522Expenses 2017: $5,042,947Net Income 2017: -$108,4252017Revenue 2018: $5,161,122Expenses 2018: $4,899,609Net Income 2018: $261,5132018Revenue 2019: $5,596,256Expenses 2019: $5,459,311Net Income 2019: $136,9452019Revenue 2020: $4,748,731Expenses 2020: $4,714,792Net Income 2020: $33,9392020Revenue 2021: $4,622,458Expenses 2021: $4,722,532Net Income 2021: -$100,0742021Revenue 2022: $5,276,975Expenses 2022: $4,870,945Net Income 2022: $406,0302022

Highlighted filing

2022

Revenue$5,276,975
Expenses$4,870,945
Net Income$406,030
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$144,965,959
Liabilities
$1,100,778
Net assets
$143,865,181
Revenue
$5,276,975
Expenses
$4,870,945
Net income
$406,030
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$145$1.10$144$5.28$4.87$0.41
2021Detailed filing. Detailed filing data is available for this year.$144$0.75$143$4.62$4.72$0.10
2020Detailed filing. Detailed filing data is available for this year.$128$0.61$128$4.75$4.71$0.03
2019Detailed filing. Detailed filing data is available for this year.$111$0.53$111$5.60$5.46$0.14
2018Detailed filing. Detailed filing data is available for this year.$113$0.47$113$5.16$4.90$0.26
2017Detailed filing. Detailed filing data is available for this year.$118$0.95$117$4.93$5.04$0.11
2016Detailed filing. Detailed filing data is available for this year.$117$0.67$116$4.96$4.75$0.21
2015Detailed filing. Detailed filing data is available for this year.$115$0.58$114$4.69$4.54$0.15
2014Detailed filing. Detailed filing data is available for this year.$105$0.56$104$4.86$4.35$0.51
2013Detailed filing. Detailed filing data is available for this year.$99.3$0.64$98.7$4.99$4.60$0.38
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$94.9$0.51$94.4$4.62
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.1$0.44$79.6$4.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.1$0.52$66.6$4.46
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 15, 2023
Return Version
2022v5.0
Gross Receipts
$5,277,334
Mission and Program Overview

Mission

Our credit union is a not-for-profit member owned financial organization. Our goals are to provide the best possible financial services to our members at competitive rates and to promote thrift and sound financial management.

Consumer (member) financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$134,006,349$134,192,684▲ $186,335
Savings and Temporary Cash Investments$86,158,659$82,728,071▼ $3,430,588
Other Notes and Loans Receivable, Net$49,494,005$52,976,378▲ $3,482,373
Rtn Earn Endowment Incm Other Fnds$9,431,732$9,672,497▲ $240,765
Cash and Non-Interest-Bearing Accounts$3,484,526$4,368,908▲ $884,382
Land, Buildings, and Equipment, Net$1,808,850$1,794,942▼ $13,908
Prepaid Expenses and Deferred Charges$1,859,180$1,558,493▼ $300,687
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$144,184,046$144,965,959▲ $781,913
Other Assets Total$1,378,826$1,539,167▲ $160,341
Liabilities
Other Liabilities$730,447$1,086,906▲ $356,459
Accounts Payable and Accrued Expenses$15,518$13,872▼ $1,646
Total Liabilities$745,965$1,100,778▲ $354,813
Net Assets / Fund Balance
Total Net Assets Fund Balance$143,438,081$143,865,181▲ $427,100
Total Liabilities and Net Assets / Fund Balance$144,184,046$144,965,959▲ $781,913

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,078,652$1,385,872$2,464,524
Equipment$395,386$1,375,263$1,770,649
Land$320,904-$320,904
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Albert J Vukasin JrPresident/CEOFT$193,856$61,351$255,207
Gerry VeisExecutive Vice PresidentFT$165,767$48,307$214,074
Roger StoneVice President ItsFT$133,389$27,688$161,077

Board Members and Trustees

NameTitle
Lowell SwensonChairman
Jeff JensenVice Chairman
Cal WirtzbergerBoard Member
Darren OverlieBoard Member
Dave PetersonBoard Member
Jeremy JensenBoard Member
Willard FladagerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologiesCore Processing30230 ORCHARD LAKE ROAD, Farmington Hills, MI 48334$215,837
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,268,978
Investment Income
$-209
Other Revenue
$8,206
Change in Net Assets
$406,030
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,620,940
Other Expenses$2,023,118
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,235,315
Other Employee Benefits---$644,505
Current Officers, Directors, Trustees, and Key Employees---$493,012
Benefits to Members---$226,887
Occupancy---$212,744
Payroll Taxes---$136,805
Pension Plan Contributions---$111,303
All Other Expenses---$82,667
Other Expenses---$40,620
Conferences and Meetings---$21,106
Total Functional Expenses$0$0$0$4,870,945
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Payables$982,596
Accrued Liabilities$104,310
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is membered owned whereby each member has one vote. To become a member of the credit union, eligible individuals must open a share account in the amount of $25.00”

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

“The credit union members elect individuals to serve on the board of directors. To be elected, a member must be nominated and successfully win an election at the credit union's annual membership meeting. Members of the credit union have one vote. Board members serve a three year term and receive no compensation.”

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

“The form 990 was prepared by the credit union's independent cpa, reviewed by management for any corrections and presented to the board for their review and questions. After the board reviewed, all board members were polled for their approval of the form 990. The motion to approve was passed without objection.”

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

“Conflict of interst policies are reviewed annually by all members of the board. Management monitors throughout the year.”

Form 990, Part VI, Section B, Line 15

“Compensation of the president/ceo is determined by a committee of the board of directors and approved by the full board. Comparable data from other credit unions and performance reviews are evaluated as well.”

Form 990, Part VI, Section C, Line 19

“All documents may be requested from the credit union office during normal business hours.”

Filing and Contact Details

Filer

Filer Name
Bear Paw Credit Union
EIN
81-0264486
Phone
4062659626
Address
201 SECOND STREET, HAVRE, MT 59501

Signing Officer

Name
Gerry Veis
Title
Vice President
Phone
4062659626
Signed
2023-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Albert J Vukasin Jr
Formed
1942
Legal Domicile
Mt
Voting Board Members
7
Independent Board Members
7
Employees
41
Volunteers
0

Preparer

Firm
Douglas Wilson & Company Pc
Address
1000 FIRST AVENUE SOUTH, GREAT FALLS, MT 59401
Preparer
Gerard K Schmitz
Phone
4067614645
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in members' accounts 186,335.”

Raw XML AppendixShowing 400 of 433 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/OtherChangesInNetAssetsAmt0186335
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0644505
IRS990/OtherExpensesGrp/Desc0INCOME TAX
IRS990/OtherExpensesGrp/Desc1PROFESSIONAL SERVICES
IRS990/OtherExpensesGrp/Desc2OFFICE OPERATIONS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt03786
IRS990/OtherExpensesGrp/TotalAmt11057188
IRS990/OtherExpensesGrp/TotalAmt2605007
IRS990/OtherExpensesGrp/TotalAmt340620
IRS990/OtherLiabilitiesGrp/BOYAmt0730447
IRS990/OtherLiabilitiesGrp/EOYAmt01086906
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt08206
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt08206
IRS990/OtherRevenueTotalAmt08206
IRS990/OtherSalariesAndWagesGrp/TotalAmt01235315
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt049494005
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt052976378
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0136805
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0111303
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01859180
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01558493
IRS990/PrincipalOfficerNm0ALBERT J VUKASIN JR
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INVESTMENT INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02411196
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11795841
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21061941
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02411196
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11795841
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21061941
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0242235
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt020420
IRS990/PYOtherExpensesAmt01842735
IRS990/PYOtherRevenueAmt0211058
IRS990/PYProgramServiceRevenueAmt04390980
IRS990/PYRevenuesLessExpensesAmt0-100074
IRS990/PYSalariesCompEmpBnftPaidAmt02637562
IRS990/PYTotalExpensesAmt04722532
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04622458
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0406030
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09431732
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09672497
IRS990/SavingsAndTempCashInvstGrp/BOYAmt086158659
IRS990/SavingsAndTempCashInvstGrp/EOYAmt082728071
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01078652
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01385872
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02464524
IRS990ScheduleD/EquipmentGrp/BookValueAmt0395386
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01375263
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01770649
IRS990ScheduleD/LandGrp/BookValueAmt0320904
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0320904
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0104310
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1982596
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER PAYABLES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01794942
IRS990ScheduleD/TotalLiabilityAmt01086906
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0193856
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1165767
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2133389
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013570
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt111604
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt29337
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt047781
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt136703
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt218351
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ALBERT J VUKASIN JR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1GERRY VEIS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2ROGER STONE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EXECUTIVE VICE PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VICE PRESIDENT ITS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0255207
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1214074
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2161077
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MEMBERED OWNED WHEREBY EACH MEMBER HAS ONE VOTE. TO BECOME A MEMBER OF THE CREDIT UNION, ELIGIBLE INDIVIDUALS MUST OPEN A SHARE ACCOUNT IN THE AMOUNT OF $25.00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION MEMBERS ELECT INDIVIDUALS TO SERVE ON THE BOARD OF DIRECTORS. TO BE ELECTED, A MEMBER MUST BE NOMINATED AND SUCCESSFULLY WIN AN ELECTION AT THE CREDIT UNION'S ANNUAL MEMBERSHIP MEETING. MEMBERS OF THE CREDIT UNION HAVE ONE VOTE. BOARD MEMBERS SERVE A THREE YEAR TERM AND RECEIVE NO COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 WAS PREPARED BY THE CREDIT UNION'S INDEPENDENT CPA, REVIEWED BY MANAGEMENT FOR ANY CORRECTIONS AND PRESENTED TO THE BOARD FOR THEIR REVIEW AND QUESTIONS. AFTER THE BOARD REVIEWED, ALL BOARD MEMBERS WERE POLLED FOR THEIR APPROVAL OF THE FORM 990. THE MOTION TO APPROVE WAS PASSED WITHOUT OBJECTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CONFLICT OF INTERST POLICIES ARE REVIEWED ANNUALLY BY ALL MEMBERS OF THE BOARD. MANAGEMENT MONITORS THROUGHOUT THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION OF THE PRESIDENT/CEO IS DETERMINED BY A COMMITTEE OF THE BOARD OF DIRECTORS AND APPROVED BY THE FULL BOARD. COMPARABLE DATA FROM OTHER CREDIT UNIONS AND PERFORMANCE REVIEWS ARE EVALUATED AS WELL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL DOCUMENTS MAY BE REQUESTED FROM THE CREDIT UNION OFFICE DURING NORMAL BUSINESS HOURS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CHANGE IN MEMBERS' ACCOUNTS 186,335.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0144184046
IRS990/TotalAssetsEOYAmt0144965959
IRS990/TotalAssetsGrp/BOYAmt0144184046
IRS990/TotalAssetsGrp/EOYAmt0144965959
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt041
IRS990/TotalFunctionalExpensesGrp/TotalAmt04870945
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0745965
IRS990/TotalLiabilitiesEOYAmt01100778
IRS990/TotalLiabilitiesGrp/BOYAmt0745965
IRS990/TotalLiabilitiesGrp/EOYAmt01100778
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0143438081
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0143865181
IRS990/TotalOtherCompensationAmt0137346
IRS990/TotalProgramServiceRevenueAmt05268978
IRS990/TotalReportableCompFromOrgAmt0493012
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05276975
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05276975
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0144184046
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0144965959
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0201 SECOND STREET
IRS990/USAddress/CityNm0HAVRE
IRS990/USAddress/StateAbbreviationCd0MT
IRS990/USAddress/ZIPCd059501
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.BEARPAWCU.ORG
IRS990/WhistleblowerPolicyInd01

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