Civic Intelligence

Rocky Mountain Credit Union

EIN 81-0283608 • 501(c)14 • Helena, MT

View Organization Page

Profile

Partnering with our members to improve the quality of their lives by providing a secure and service-focused credit union that builds trust and respect.

3400 North MontanaHelena, MT 59601

www.rmcu.net

Siviq Scores

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

Liabilities / Assets

76th percentile

0.92x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

54th percentile

15.65x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

54th percentile

10%

Higher net margin than 54% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

68th percentile

4.9%

Faster asset growth than 68% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

70th percentile

19%

Faster revenue growth than 70% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$401,737,333

Up $17,939,270 (+4.7%) from 2023

Liabilities

Up

$369,171,224

Up $15,513,147 (+4.4%) from 2023

Net Assets

Up

$32,566,109

Up $2,426,123 (+8.0%) from 2023

Operations
Liabilities / Revenue54th percentileNet Margin54th percentile

Revenue

Up

$23,584,614

Up $2,030,476 (+9.4%) from 2023

Expenses

Up

$21,157,722

Up $1,609,624 (+8.2%) from 2023

Net Income

Up

$2,426,892

Up $420,852 (+21%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth68th percentile

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

$600M$400M$200M$0Assets 2010: $116,544,053Liabilities 2010: $1,251,532Net Assets 2010: $115,292,5212010Assets 2011: $126,683,510Liabilities 2011: $1,360,076Net Assets 2011: $125,323,4342011Assets 2012: $135,998,047Liabilities 2012: $2,289,114Net Assets 2012: $133,708,9332012Assets 2013: $150,591,809Liabilities 2013: $3,339,534Net Assets 2013: $147,252,2752013Assets 2014: $162,574,230Liabilities 2014: $6,742,778Net Assets 2014: $155,831,4522014Assets 2015: $187,580,925Liabilities 2015: $7,431,766Net Assets 2015: $180,149,1592015Assets 2017: $232,303,312Liabilities 2017: $209,684,468Net Assets 2017: $22,618,8442017Assets 2018: $244,782,966Liabilities 2018: $220,792,550Net Assets 2018: $23,990,4162018Assets 2019: $264,444,296Liabilities 2019: $239,264,966Net Assets 2019: $25,179,3302019Assets 2020: $316,032,866Liabilities 2020: $289,523,630Net Assets 2020: $26,509,2362020Assets 2021: $347,767,556Liabilities 2021: $319,444,829Net Assets 2021: $28,322,7272021Assets 2022: $364,773,546Liabilities 2022: $336,048,499Net Assets 2022: $28,725,0472022Assets 2023: $383,798,063Liabilities 2023: $353,658,077Net Assets 2023: $30,139,9862023Assets 2024: $401,737,333Liabilities 2024: $369,171,224Net Assets 2024: $32,566,1092024

Highlighted filing

2024

Assets$401,737,333
Liabilities$369,171,224
Net Assets$32,566,109
Open 2024 Filing

Operations Trend

Revenue Growth70th percentile

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

$30M$20M$10M$0Expenses 2010: $6,044,1852010Expenses 2011: $6,414,8622011Revenue 2012: $6,821,988Expenses 2012: $6,003,851Net Income 2012: $818,1372012Revenue 2013: $7,402,665Expenses 2013: $6,509,547Net Income 2013: $893,1182013Revenue 2014: $8,377,542Expenses 2014: $6,893,787Net Income 2014: $1,483,7552014Revenue 2015: $9,955,784Expenses 2015: $8,698,059Net Income 2015: $1,257,7252015Revenue 2017: $11,870,157Expenses 2017: $11,769,448Net Income 2017: $100,7092017Revenue 2018: $13,308,228Expenses 2018: $11,759,472Net Income 2018: $1,548,7562018Revenue 2019: $13,852,549Expenses 2019: $12,664,313Net Income 2019: $1,188,2362019Revenue 2020: $14,821,200Expenses 2020: $13,506,168Net Income 2020: $1,315,0322020Revenue 2021: $15,149,432Expenses 2021: $13,142,656Net Income 2021: $2,006,7762021Revenue 2022: $16,619,836Expenses 2022: $14,642,794Net Income 2022: $1,977,0422022Revenue 2023: $21,554,138Expenses 2023: $19,548,098Net Income 2023: $2,006,0402023Revenue 2024: $23,584,614Expenses 2024: $21,157,722Net Income 2024: $2,426,8922024

Highlighted filing

2024

Revenue$23,584,614
Expenses$21,157,722
Net Income$2,426,892
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$401,737,333
Liabilities
$369,171,224
Net assets
$32,566,109
Revenue
$23,584,614
Expenses
$21,157,722
Net income
$2,426,892
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$402$369$32.6$23.6$21.2$2.43
2023Detailed filing. Detailed filing data is available for this year.$384$354$30.1$21.6$19.5$2.01
2022Detailed filing. Detailed filing data is available for this year.$365$336$28.7$16.6$14.6$1.98
2021Detailed filing. Detailed filing data is available for this year.$348$319$28.3$15.1$13.1$2.01
2020Detailed filing. Detailed filing data is available for this year.$316$290$26.5$14.8$13.5$1.32
2019Detailed filing. Detailed filing data is available for this year.$264$239$25.2$13.9$12.7$1.19
2018Detailed filing. Detailed filing data is available for this year.$245$221$24.0$13.3$11.8$1.55
2017Detailed filing. Detailed filing data is available for this year.$232$210$22.6$11.9$11.8$0.10
2015Detailed filing. Detailed filing data is available for this year.$188$7.43$180$9.96$8.70$1.26
2014Detailed filing. Detailed filing data is available for this year.$163$6.74$156$8.38$6.89$1.48
2013Detailed filing. Detailed filing data is available for this year.$151$3.34$147$7.40$6.51$0.89
2012Summary only. Only limited summary data is available for this year.$136$2.29$134$6.82$6.00$0.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$1.36$125$6.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$1.25$115$6.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 14, 2025
Return Version
2024v5.1
Gross Receipts
$26,574,026
Mission and Program Overview

Mission

Partnering with our members to improve the quality of their lives by providing a secure and service-focused credit union that builds trust and respect.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$285,870,658$261,067,263▼ $24,803,395
Investments in Publicly Traded Securities$33,317,146$62,139,326▲ $28,822,180
Rtn Earn Endowment Incm Other Fnds$30,139,986$32,566,109▲ $2,426,123
Savings and Temporary Cash Investments$15,629,163$31,435,564▲ $15,806,401
Investments Other Securities$21,824,619$19,803,707▼ $2,020,912
Land, Buildings, and Equipment, Net$15,971,271$16,019,871▲ $48,600
Cash and Non-Interest-Bearing Accounts$3,815,496$3,567,337▼ $248,159
Accounts Receivable$1,227,454$1,226,022▼ $1,432
Prepaid Expenses and Deferred Charges$976,227$964,089▼ $12,138
Receivables From Officers Etc$172,523$175,896▲ $3,373
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$383,798,063$401,737,333▲ $17,939,270
Other Assets Total$4,993,506$5,338,258▲ $344,752
Liabilities
Other Liabilities$342,820,002$346,422,529▲ $3,602,527
Mortgage Notes Payable Secured by Investment Property$7,000,000$20,000,000▲ $13,000,000
Accounts Payable and Accrued Expenses$3,838,075$2,748,695▼ $1,089,380
Total Liabilities$353,658,077$369,171,224▲ $15,513,147
Net Assets / Fund Balance
Total Net Assets Fund Balance$30,139,986$32,566,109▲ $2,426,123
Total Liabilities and Net Assets / Fund Balance$383,798,063$401,737,333▲ $17,939,270

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,275,747$6,113,356$16,389,103
Land$4,806,332-$4,806,332
Equipment$801,378$3,641,691$4,443,069
Other Land Buildings$136,414$167,699$304,113
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steve SendonPresident/CEO (thru Sep)FT$170,491$284,306$454,797
Cyrus MalkinInterim CEOFT$144,442$97,098$241,540
Dean OlsenVP - ItFT$121,035$76,115$197,150
Erin JohnstonVP - Project ChangeFT$118,288$69,532$187,820
Holly LaneVP - HrFT$115,849$63,209$179,058
Lesley HuberVP - LendingFT$112,618$65,926$178,544
Kelsey FandryVP - OperationsFT$124,083$23,404$147,487

Board Members and Trustees

NameTitle
Kristin BouchardChair
Chris LemonVice Chair
Michael WilliamsDirector
Scott StonerDirector
Tony LoyaDirector
Stefanie GriffithSecretary
Michael BertagnolliTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesSupport Services663 W HWY 60, Monett, MO 65718$414,392
Prime MarketingMarketing Services810 N WALLACE ST SUITE D, Bozeman, MT 59715$311,029
Action Print INCPrint Services110 W 13TH STREET, Helena, MT 59601$219,735
Compunet INCInformation Technology ServicesPO BOX 35143 LB 410802, Seattle, WA 98124$218,167
Blackfoot CommunicationsTelecommunication ServicesPO BOX 35130, Seattle, WA 98124$214,973
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,077,270
Investment Income
$3,212,768
Other Revenue
$294,576
Change in Net Assets
$2,426,892

Audited Revenue Reconciliation

Revenue per Audited Statements
$23,404,726
Revenue Not Reported on Financial Statements
$179,888
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$179,888
Total Revenue per Audited Statements
$23,404,726
Total Revenue per Form 990
$23,584,614
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,657,231
Salaries, Compensation, and Employee Benefits$7,470,497
Grants and Similar Amounts Paid$29,994
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,390,689
Office Expenses---$964,033
Depreciation Depletion---$708,757
Current Officers, Directors, Trustees, and Key Employees---$696,337
Fees for Services Other---$656,025
Occupancy---$647,389
Other Expenses---$592,581
Advertising---$510,072
Pension Plan Contributions---$502,924
Information Technology---$488,271
Other Employee Benefits---$454,673
Payroll Taxes---$425,874
All Other Expenses---$207,810
Fees for Services Accounting---$168,000
Interest---$157,628
Insurance---$101,247
Travel---$100,607
Conferences and Meetings---$45,958
Grants to Domestic Orgs---$29,994
Fees for Services Legal---$27,832
Fees for Service Investment Mgmnt Fees---$14,482
Total Functional Expenses$0$0$0$21,157,722

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$21,157,722
Expenses per Audited Statements$20,977,834
Total Expenses per Audited Statements$20,977,834
Expenses Not Reported on Financial Statements$179,888
Other Expense Adjustments$179,888
Expenses Not Reported on Form 990$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$172,523$175,896▲ $3,373
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$346,422,529
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 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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members. There is only one class of membership and the requirements for membership are described in the bylaws in regard to geographic region and the price of one share.”

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

“An annual meeting of members is held within 200 days after the close of the fiscal year. At all meetings, irrespective of the number of shares held by the member, no member shall have more than one vote and there is no voting by proxy.”

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

“Dissolution is subject to the approval of membership.”

Form 990, Part VI, Section A, Line 8B

“No committee has the authority to act on behalf of the governing body.”

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

“The form 990 will be forwarded to the board of directors before filing for their review.”

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

“The board regularly and consistently monitors and enforces compliance with its conflict of interest policy and acts immediately when conflicts arise. When a conflict arises, it is first reported to the chairman of the board. The determination if a conflict exists is done by the executive committee of the board. When matters pertaining to the specific personal interest of a board member or other volunteer are discussed, the affected member shall not engage in the discussion or participate in the vote, and the minutes shall so state. If more than one member is involved in matters involving a conflict of interest and a vote is called, the number voting must equal or exceed the quorum requirements for the meeting.”

Form 990, Part VI, Section B, Line 15

“Three board members on the ceo compensation committee determine the president/ceo's pay. The board is volunteer without compensation. The president/ceo determines the officers and employees' pay.”

Form 990, Part VI, Section C, Line 19

“The general public can view the form 990 and organizational documents upon request.”

Filing and Contact Details

Filer

Filer Name
Rocky Mountain Credit Union
EIN
81-0283608
Phone
4064471102
Address
3400 NORTH MONTANA, HELENA, MT 59601

Signing Officer

Name
Cyrus Malkin
Title
President/CEO
Phone
4064471102
Signed
2025-04-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cyrus Malkin
Formed
1940
Legal Domicile
Mt
Voting Board Members
7
Independent Board Members
7
Employees
115
Volunteers
12

Preparer

Firm
Wipfli Llp
Address
105 E PINE ST UPPER FLOOR, MISSOULA, MT 59802
Preparer
Sam Brunson CPA
Phone
4067281800
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“This process has not changed from prior years.”

Financial Statement Notes

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Interest on serp 179,888.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Interest on serp 179,888.”

Raw XML AppendixShowing 400 of 595 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/ActivityOrMissionDesc0PARTNERING WITH OUR MEMBERS TO IMPROVE THE QUALITY OF THEIR LIVES BY PROVIDING A SECURE AND SERVICE-FOCUSED CREDIT UNION THAT BUILDS TRUST AND RESPECT.
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt751683
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt837857
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt929870
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1032157
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1123404
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1226210
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1322788
IRS990/Form990PartVIISectionAGrp/PersonNm0KRISTIN BOUCHARD
IRS990/Form990PartVIISectionAGrp/PersonNm1CHRIS LEMON
IRS990/Form990PartVIISectionAGrp/PersonNm2MICHAEL BERTAGNOLLI
IRS990/Form990PartVIISectionAGrp/PersonNm3STEFANIE GRIFFITH
IRS990/Form990PartVIISectionAGrp/PersonNm4TONY LOYA
IRS990/Form990PartVIISectionAGrp/PersonNm5SCOTT STONER
IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm7STEVE SENDON
IRS990/Form990PartVIISectionAGrp/PersonNm8CYRUS MALKIN
IRS990/Form990PartVIISectionAGrp/PersonNm9DEAN OLSEN
IRS990/Form990PartVIISectionAGrp/PersonNm10ERIN JOHNSTON
IRS990/Form990PartVIISectionAGrp/PersonNm11KELSEY FANDRY
IRS990/Form990PartVIISectionAGrp/PersonNm12LESLEY HUBER
IRS990/Form990PartVIISectionAGrp/PersonNm13HOLLY LANE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7403114
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8203683
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9167280
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10155663
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11124083
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12152334
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13156270
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/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO (THRU SEP)
IRS990/Form990PartVIISectionAGrp/TitleTxt8INTERIM CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP - IT
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP - PROJECT CHANGE
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP - OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP - LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP - HR
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IRS990/Form990TFiledInd01
IRS990/FormationYr01940
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt010588
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt029994
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt03000000
IRS990/GrossReceiptsAmt026574026
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt012
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0488271
IRS990/InsuranceGrp/TotalAmt0101247
IRS990/InterestGrp/TotalAmt0157628
IRS990/InvestmentIncomeGrp/ExclusionAmt03202180
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03202180
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt021824619
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt019803707
IRS990/InvestmentsPubTradedSecGrp/BOYAmt033317146
IRS990/InvestmentsPubTradedSecGrp/EOYAmt062139326
IRS990/IRPDocumentCnt09538
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09922746
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015971271
IRS990/LandBldgEquipBasisNetGrp/EOYAmt016019871
IRS990/LandBldgEquipCostOrOtherBssAmt025942617
IRS990/LegalDomicileStateCd0MT
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02989412
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0114688
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0114688
IRS990/MissionDesc0PARTNERING WITH OUR MEMBERS TO IMPROVE THE QUALITY OF THEIR LIVES BY PROVIDING A SECURE AND SERVICE-FOCUSED CREDIT UNION THAT BUILDS TRUST AND RESPECT.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt07000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt020000000
IRS990/NetAssetsOrFundBalancesBOYAmt030139986
IRS990/NetAssetsOrFundBalancesEOYAmt032566109
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt010588
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt010588
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-769
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0647389
IRS990/OfficeExpensesGrp/TotalAmt0964033
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04993506
IRS990/OtherAssetsTotalGrp/EOYAmt05338258
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0454673
IRS990/OtherExpensesGrp/Desc0DIVIDENDS PAID TO MEMBE
IRS990/OtherExpensesGrp/Desc1CREDIT CARD & TRANSACTI
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING FEES
IRS990/OtherExpensesGrp/TotalAmt05795716
IRS990/OtherExpensesGrp/TotalAmt11447323
IRS990/OtherExpensesGrp/TotalAmt21023500
IRS990/OtherExpensesGrp/TotalAmt3592581
IRS990/OtherLiabilitiesGrp/BOYAmt0342820002
IRS990/OtherLiabilitiesGrp/EOYAmt0346422529
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0INTEREST ON SERP
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0179888
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0179888
IRS990/OtherRevenueTotalAmt0294576
IRS990/OtherSalariesAndWagesGrp/TotalAmt05390689
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0285870658
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0261067263
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0425874
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0502924
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0976227
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0964089
IRS990/PrincipalOfficerNm0CYRUS MALKIN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2SALE OF LOANS HELD-FOR-SALE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt015594375
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14322905
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2136828
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt015594375
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14346067
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2136828
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt023162
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt032569
IRS990/PYInvestmentIncomeAmt01932766
IRS990/PYOtherExpensesAmt011970649
IRS990/PYOtherRevenueAmt0252432
IRS990/PYProgramServiceRevenueAmt019368940
IRS990/PYRevenuesLessExpensesAmt02006040
IRS990/PYSalariesCompEmpBnftPaidAmt07544880
IRS990/PYTotalExpensesAmt019548098
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021554138
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0172523
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0175896
IRS990/ReconcilationRevenueExpnssAmt02426892
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt030139986
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt032566109
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015629163
IRS990/SavingsAndTempCashInvstGrp/EOYAmt031435564
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt010275747
IRS990ScheduleD/BuildingsGrp/DepreciationAmt06113356
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt016389103
IRS990ScheduleD/EquipmentGrp/BookValueAmt0801378
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03641691
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04443069
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0179888
IRS990ScheduleD/ExpensesSubtotalAmt020977834
IRS990ScheduleD/LandGrp/BookValueAmt04806332
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04806332
IRS990ScheduleD/OtherExpensesNotIncludedAmt0179888
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0136414
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0167699
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0304113
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0346422529
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0179888
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0179888
IRS990ScheduleD/RevenueSubtotalAmt023404726
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0INTEREST ON SERP 179,888.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1INTEREST ON SERP 179,888.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt016019871
IRS990ScheduleD/TotalExpensesPerForm990Amt021157722
IRS990ScheduleD/TotalLiabilityAmt0346422529
IRS990ScheduleD/TotalRevenuePerForm990Amt023584614
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt023404726
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt020977834
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0170491
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1144442
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2121035
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3118288
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4115849
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5112618
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount026666
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount123922
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount221406
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount320916

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