Civic Intelligence

Cuad Health Benefits Trust

990 • Fiscal year 2019 • EIN 82-3520467

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 09, 2020

2005 N Kavaney Dr Ste 201Bismarck, ND 58501

(701) 250-3926

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

87th percentile

0.52x

Higher debt load relative to assets than 87% of similar nonprofits.

2019 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2019

Liabilities / Revenue

70th percentile

0.11x

Higher debt load relative to revenue than 70% of similar nonprofits.

2019 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2019

Net Margin

54th percentile

5.2%

Higher net margin than 54% of similar nonprofits.

2019 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2019

Top Officer Pay

94th percentile

$313,000

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 5.0% of source-year revenue.

2019 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2019

Asset Growth

97th percentile

117%

Faster asset growth than 97% of similar nonprofits.

2019 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2018 to 2019

Revenue Growth

75th percentile

15%

Faster revenue growth than 75% of similar nonprofits.

2019 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2018 to 2019

Assets

Up

$1,291,567

Up $696,464 (+117%) from 2018

Net Assets

Up

$619,167

Up $325,805 (+111%) from 2018

Liabilities

Up

$672,400

Up $370,659 (+123%) from 2018

Revenue

Up

$6,316,701

Up $817,101 (+15%) from 2018

Expenses

Up

$5,990,896

Up $784,658 (+15%) from 2018

Net Income

Up

$325,805

Up $32,443 (+11%) from 2018

Historical Trend

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2018: $595,103Liabilities 2018: $301,741Net Assets 2018: $293,3622018Assets 2019: $1,291,567Liabilities 2019: $672,400Net Assets 2019: $619,1672019Assets 2020: $2,705,795Liabilities 2020: $1,135,282Net Assets 2020: $1,570,5132020Assets 2021: $3,708,893Liabilities 2021: $384,776Net Assets 2021: $3,324,1172021Assets 2022: $4,405,126Liabilities 2022: $142,984Net Assets 2022: $4,262,1422022Assets 2023: $5,598,020Liabilities 2023: $129,685Net Assets 2023: $5,468,3352023Assets 2024: $7,806,020Liabilities 2024: $114,558Net Assets 2024: $7,691,4622024

Highlighted filing

2019

Assets$1,291,567
Liabilities$672,400
Net Assets$619,167

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0Revenue 2018: $5,499,600Expenses 2018: $5,206,238Net Income 2018: $293,3622018Revenue 2019: $6,316,701Expenses 2019: $5,990,896Net Income 2019: $325,8052019Revenue 2020: $6,270,472Expenses 2020: $5,442,566Net Income 2020: $827,9062020Revenue 2021: $11,419,816Expenses 2021: $10,408,701Net Income 2021: $1,011,1152021Revenue 2022: $14,609,979Expenses 2022: $13,671,954Net Income 2022: $938,0252022Revenue 2023: $14,813,794Expenses 2023: $13,607,601Net Income 2023: $1,206,1932023Revenue 2024: $11,460,193Expenses 2024: $9,237,066Net Income 2024: $2,223,1272024

Highlighted filing

2019

Revenue$6,316,701
Expenses$5,990,896
Net Income$325,805
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 9, 2020
Return Version
2019v5.1
Gross Receipts
$6,316,701
Mission and Program Overview

Mission

None

To provide health, dental, and vision benefits to employees of participating employers.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$486,193$896,099▲ $409,906
Rtn Earn Endowment Incm Other Fnds$293,362$619,167▲ $325,805
Accounts Receivable$99,973$383,559▲ $283,586
Prepaid Expenses and Deferred Charges$8,937$11,909▲ $2,972
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$595,103$1,291,567▲ $696,464
Liabilities
Other Liabilities$300,000$511,488▲ $211,488
Deferred Revenue-$160,912-
Accounts Payable and Accrued Expenses$1,741--
Total Liabilities$301,741$672,400▲ $370,659
Net Assets / Fund Balance
Total Net Assets Fund Balance$293,362$619,167▲ $325,805
Total Liabilities and Net Assets / Fund Balance$595,103$1,291,567▲ $696,464
Compensation and Service Providers

Employees

NameTitleOtherTotal
Mike ReisnourTrustee$119,277$119,277

Board Members and Trustees

NameTitle
Jeff OlsonChair
Sean RinkenbergerVice Chair
Bob HerringtonTrustee
Jeff MeyerTrustee
Justin MaddisonTrustee
Mindee KohlmanSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Noridian Mutual Insurance CompanyAdministrative Fees1411 Mapleton Avenue, Bismarck, ND 58503$437,020
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,313,591
Investment Income
$3,110
Other Revenue
$0
Change in Net Assets
$325,805

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,316,701
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$6,316,701
Total Revenue per Form 990
$6,316,701
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,823,106
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$4,167,790
Other Expenses---$1,186,093
Fees for Services Other---$437,020
Fees for Service Investment Mgmnt Fees---$95,554
All Other Expenses---$57,896
Insurance---$29,775
Fees for Services Accounting---$13,650
Fees for Services Management---$3,000
Office Expenses---$118
Total Functional Expenses$0$0$0$5,990,896

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,990,896
Total Expenses per Audited Statements$5,990,896
Total Expenses per Form 990$5,990,896
Expenses Not Reported on Financial Statements$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Notes Payable - Related Parties$380,000
Stop loss Premium Payable$99,191
Claims Admin Fee Payable$24,249
Broker Fees Payable$8,048
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
No
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
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 2

Sean Rinkenberger and Jeff Olson have a business relationship.

Form 990, Part VI, Section A, line 4

The Trustees voted to update the bylaws anticipating the possible expansion of the trust into South Dakota. The amendments state that one Trustee will be referred to as the President of the CUAD. Additionally, by June 30, 2020, a minimum of two but not more than six of the Trustees (as determined by the Association) shall represent association members domiciled in South Dakota.

Form 990, Part VI, Section A, line 6

The Credit Union Associations of the Dakotas has 20 members consisting of 18 area credit unions, 1 insurance agancy, and 1 corporation.

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

The Trust shall be administered by the Benefit Plan Trustees, which shall consist of at least seven Trustees or such other number established by the Trustees from time to time.

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

There are no committees that are able to act on behalf of the board.

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

A copy of the Form 990 will be provided to the board prior to its filing and will be reviewed at the next regularly scheduled board meeting after the Form 990 is filed.

Form 990, Part VI, Section C, line 19

The organization does not make its governing documents, conflict of interest policy, and financial statements available to the public.

Form 990, Part VII, Section A, Columns (E) and (F):

The compensation reported in columns E and F represent compensation paid by our member credit unions to their employee for services the employee provides to the member credit union as their employee. No portion of this compensation is provided for the services provided by our Trustees as a Trustee of the Credit Union Association of the Dakotas Health Benefits Plan Trust.

Filing and Contact Details

Filer

Filer Name
CUAD Health Benefits Trust
EIN
82-3520467
Phone
7012503926
Address
2005 N Kavaney Dr Ste 201, Bismarck, ND 58501

Signing Officer

Name
Jeff Olson
Title
Chair
Phone
7012503926
Signed
2020-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeff Olson
Formed
2018
Legal Domicile
Nd
Voting Board Members
7
Independent Board Members
0
Employees
0
Volunteers
7

Preparer

Firm
Eide Bailly LLP
Address
1730 Burnt Boat Loop Ste 100, Bismarck, ND 58503-0886
Preparer
Lisa Chaffee CPA
Phone
7012551091
Supplemental Narrative

Financial Statement Notes

Part X, Line 2:

Accounting principles generally accepted in the United States of America require plan management to evaluate tax positions taken by the Plan and recognize a tax liability (or asset) if it has taken an uncertain position that more likely than not would not be sustained upon examination by the Internal Revenue Service. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress.

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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount50
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt114375
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt215732
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt36844
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt411943
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt1250000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt2156399
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt3161802
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt4138667
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt5145390
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt122509
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt27500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt417680
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt50
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt222708
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt317109
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt413395
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt517728
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt30
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt4273
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt514844
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Bob Herrington
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Jeff Meyer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2Jeff Olson
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3Mindee Kohlman
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4Sean Rinkenberger
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5Justin Maddison
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Trustee
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1Trustee
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2Chair
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3Secretary
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4Vice Chair
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5Trustee
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt50
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt2202339
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt5177962
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Sean Rinkenberger and Jeff Olson have a business relationship.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Trustees voted to update the bylaws anticipating the possible expansion of the trust into South Dakota. The amendments state that one Trustee will be referred to as the President of the CUAD. Additionally, by June 30, 2020, a minimum of two but not more than six of the Trustees (as determined by the Association) shall represent association members domiciled in South Dakota.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Credit Union Associations of the Dakotas has 20 members consisting of 18 area credit unions, 1 insurance agancy, and 1 corporation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Trust shall be administered by the Benefit Plan Trustees, which shall consist of at least seven Trustees or such other number established by the Trustees from time to time.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4There are no committees that are able to act on behalf of the board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A copy of the Form 990 will be provided to the board prior to its filing and will be reviewed at the next regularly scheduled board meeting after the Form 990 is filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The organization does not make its governing documents, conflict of interest policy, and financial statements available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The compensation reported in columns E and F represent compensation paid by our member credit unions to their employee for services the employee provides to the member credit union as their employee. No portion of this compensation is provided for the services provided by our Trustees as a Trustee of the Credit Union Association of the Dakotas Health Benefits Plan Trust.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section A, line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VII, Section A, Columns (E) and (F):
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0Krabseth Agency
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt1Mid America Service Corporation (CUAD)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0First Community Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt1Flasher Community Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt2Freedom Community Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt3GEM Federal Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt4Hometown Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt5Med Park Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt6North Star Community Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt7Prairie Federal Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt8Railway Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt9Riverfork Federal Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt10United Savings Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt11University Federal Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt12Vue Community Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt13Western Cooperative Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt14Area Community Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt15Community Credit Union (Midwest Business Solutions)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt16Dakota Plains Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt17Dakota West Credit Union
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt18Credit Union Association of the Dakotas
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0204608169
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(c)(6)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0ND
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0Promote member credit unions
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt02005 N Kavaney Dr
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0Bismarck
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0ND
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd058501
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd01
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00

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