DUTRAC COMMUNITY CREDIT UNION: Form 990, tax year 2024
View the entire original 990 at ProPublica ↗
- Organization
- DUTRAC COMMUNITY CREDIT UNION (EIN 42-0670685)
- Tax period
- 2024-01-01 to 2024-12-31
- Filed
- 2025-11-12
- IRS object ID
- 202533169349307608
- Schema version
- 2024v5.2
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2025-11-12T15:26:57-06:00 | ReturnTs |
| Tax Period End | 2024-12-31 | TaxPeriodEndDt |
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2024-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 420670685 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | DUTRAC COMMUNITY CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| In Care Of | % DEBRA A REIFF | InCareOfNm |
| Business Name Control | DUTR | BusinessNameControlTxt |
| Phone | 5635821331 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3465 ASBURY RD | AddressLine1Txt |
| City | Dubuque | CityNm |
| State Abbreviation | IA | StateAbbreviationCd |
| ZIP | 520043250 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | DEBRA A REIFF | PersonNm |
| Person Title | CONTROLLER | PersonTitleTxt |
| Phone | 5635858462 | PhoneNum |
| Signature | 2025-11-12 | SignatureDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IRS Responsible Prty Info Curr | Yes (true) | IRSResponsiblePrtyInfoCurrInd |
| Tax | 2024 | TaxYr |
| Build TS | 2025-03-06 01:10:19Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | ANDREW A HAWKINSON | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3465 ASBURY RD | AddressLine1Txt |
| City | DUBUQUE | CityNm |
| State Abbreviation | IA | StateAbbreviationCd |
| ZIP | 520043250 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $62,494,057 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | www.dutrac.org | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1942 | FormationYr |
| Legal Domicile State | IA | LegalDomicileStateCd |
| Activity Or Mission | Promoting thrift among Credit Union members | ActivityOrMissionDesc |
| Voting Members Governing Body | 11 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 11 | VotingMembersIndependentCnt |
| Total Employee | 220 | TotalEmployeeCnt |
| Total Volunteers | 11 | TotalVolunteersCnt |
| Total Gross UBI | $318,970 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $8,567 | NetUnrelatedBusTxblIncmAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $48,331,709 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $55,419,094 | CYProgramServiceRevenueAmt |
| PY Investment Income | $4,343,515 | PYInvestmentIncomeAmt |
| CY Investment Income | $6,666,876 | CYInvestmentIncomeAmt |
| PY Other Revenue | $460,216 | PYOtherRevenueAmt |
| CY Other Revenue | $386,501 | CYOtherRevenueAmt |
| PY Total Revenue | $53,135,440 | PYTotalRevenueAmt |
| CY Total Revenue | $62,472,471 | CYTotalRevenueAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $13,532,863 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $14,381,658 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $34,830,133 | PYOtherExpensesAmt |
| CY Other Expenses | $44,171,815 | CYOtherExpensesAmt |
| PY Total Expenses | $48,362,996 | PYTotalExpensesAmt |
| CY Total Expenses | $58,553,473 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $4,772,444 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $3,918,998 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $1,073,070,686 | TotalAssetsBOYAmt |
| Total Assets EOY | $1,178,840,167 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $959,490,360 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $1,060,897,346 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $113,580,326 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $117,942,821 | NetAssetsOrFundBalancesEOYAmt |
| Mission | PROMOTING THRIFT AMONG MEMBERS | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Expense | $58,533,473 | ExpenseAmt |
| Revenue | $62,472,470 | RevenueAmt |
| Desc | Granting affordable loans, promoting savings and thrift among 53,278 members | Desc |
| Total Program Service Expenses | $58,533,473 | TotalProgramServiceExpensesAmt |
| Described In Section501c3 | false | DescribedInSection501c3Ind |
| Schedule B Required | false | ScheduleBRequiredInd |
| Political Campaign Acty | false | PoliticalCampaignActyInd |
| Lobbying Activities | false | LobbyingActivitiesInd |
| Donor Advised Fund | false | DonorAdvisedFundInd |
| Conservation Easements | false | ConservationEasementsInd |
| Collections Of Art | false | CollectionsOfArtInd |
| Credit Counseling | false | CreditCounselingInd |
| Donor Rstr Or Quasi Endowments | false | DonorRstrOrQuasiEndowmentsInd |
| Report Land Building Equipment | Yes (true) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | false | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | false | ReportProgramRelatedInvstInd |
| Report Other Assets | false | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (true) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | false | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | Yes (true) | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | false | ConsolidatedAuditFinclStmtInd |
| School Operating | false | SchoolOperatingInd |
| Foreign Office | false | ForeignOfficeInd |
| Foreign Activities | false | ForeignActivitiesInd |
| More Than5000 K To Org | false | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | false | MoreThan5000KToIndividualsInd |
| Professional Fundraising | false | ProfessionalFundraisingInd |
| Fundraising Activities | false | FundraisingActivitiesInd |
| Gaming Activities | false | GamingActivitiesInd |
| Operate Hospital | false | OperateHospitalInd |
| Grants To Organizations | false | GrantsToOrganizationsInd |
| Grants To Individuals | false | GrantsToIndividualsInd |
| Schedule J Required | Yes (true) | ScheduleJRequiredInd |
| Tax Exempt Bonds | false | TaxExemptBondsInd |
| Engaged In Excess Benefit Trans | false | EngagedInExcessBenefitTransInd |
| PY Excess Benefit Trans | false | PYExcessBenefitTransInd |
| Loan Outstanding | Yes (true) | LoanOutstandingInd |
| Grant To Related Person | false | GrantToRelatedPersonInd |
| Business Rln With Org Mem | false | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | false | BusinessRlnWithFamMemInd |
| Business Rln With35 Ctrl Ent | false | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | false | DeductibleNonCashContriInd |
| Deductible Art Contribution | false | DeductibleArtContributionInd |
| Terminate Operations | false | TerminateOperationsInd |
| Partial Liquidation | false | PartialLiquidationInd |
| Disregarded Entity | false | DisregardedEntityInd |
| Related Entity | false | RelatedEntityInd |
| Related Organization Ctrl Ent | false | RelatedOrganizationCtrlEntInd |
| Transaction With Control Ent | false | TransactionWithControlEntInd |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 88 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (true) | BackupWthldComplianceInd |
| Employee | 220 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (true) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (true) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | false | Form990TFiledInd |
| Foreign Financial Account | false | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | false | TaxablePartyNotificationInd |
| Nondeductible Contributions | false | NondeductibleContributionsInd |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | false | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | false | SubjectToExcsTaxNetInvstIncInd |
| Excs Tax Sect4951 Or4952 Or4953 | false | ExcsTaxSect4951Or4952Or4953Ind |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 11 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 11 | IndependentVotingMemberCnt |
| Family Or Business Rln | false | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | false | DelegationOfMgmtDutiesInd |
| Change To Org Documents | false | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | false | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (true) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (true) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (true) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (true) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (true) | MinutesOfCommitteesInd |
| Officer Mailing Address | false | OfficerMailingAddressInd |
| Local Chapters | Yes (true) | LocalChaptersInd |
| Policies Reference Chapters | Yes (true) | PoliciesReferenceChaptersInd |
| Form990 Provided To Gvrn Body | Yes (true) | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (true) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (true) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (true) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (true) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (true) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (true) | CompensationProcessCEOInd |
| Compensation Process Other | Yes (true) | CompensationProcessOtherInd |
| Investment In Joint Venture | false | InvestmentInJointVentureInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | DEBRA A REIFF | PersonNm |
| Phone | 5635858462 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3465 ASBURY RD | AddressLine1Txt |
| City | DUBUQUE | CityNm |
| State Abbreviation | IA | StateAbbreviationCd |
| ZIP | 520043250 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (23 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Key EmployeeKeyEmployeeInd | Highest Compensated EmployeeHighestCompensatedEmployeeInd | Former Ofcr Director TrusteeFormerOfcrDirectorTrusteeInd | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd |
|---|---|---|---|---|---|---|---|---|---|---|
| ANDREW A HAWKINSON | ||||||||||
| PRESIDENTCEO | 45.00 | 0.00 | Yes (X) | $656,368 | $0 | $5,716 | ||||
| MICHELLE A ARISS | ||||||||||
| SENIOR VP FINANCE | 45.00 | 0.00 | Yes (X) | $188,948 | $0 | $86,666 | ||||
| KIM M ADAMS | ||||||||||
| SENIOR VP OPERATIONS | 45.00 | 0.00 | Yes (X) | $139,275 | $0 | $55,763 | ||||
| RONALD J KINSELLA | ||||||||||
| SENIOR VP LENDING | 45.00 | 0.00 | Yes (X) | $186,450 | $0 | $6,974 | ||||
| ANDREW K LASSEN | ||||||||||
| SENIOR VP IT | 45.00 | 0.00 | Yes (X) | $179,178 | $0 | $9,755 | ||||
| JULIE SOUCINEK | ||||||||||
| MORTGAGE LOAN MANAGER | 45.00 | 0.00 | $174,204 | $0 | $5,809 | Yes (X) | ||||
| LEE M HOERNER | ||||||||||
| SVP MEMBER SERVICE | 45.00 | 0.00 | Yes (X) | $169,624 | $0 | $10,153 | ||||
| MEGAN E KELLEHER-EGAN | ||||||||||
| SVP HUMAN RESOURCES | 45.00 | 0.00 | Yes (X) | $157,032 | $0 | $11,715 | ||||
| TRAVIS PHELAN | ||||||||||
| COMMERCIAL LENDER | 45.00 | 0.00 | $142,643 | $0 | $10,626 | Yes (X) | ||||
| JEFFREY WALLER | ||||||||||
| COMMERCIAL LENDING MGR | 45.00 | 0.00 | $149,194 | $0 | $1,000 | Yes (X) | ||||
| DENNIS NARANJO | ||||||||||
| COMMERCIAL LENDER | 45.00 | 0.00 | $132,973 | $0 | $1,930 | Yes (X) | ||||
| JASON A NORTON | ||||||||||
| SVP MARKETING | 0.00 | 0.00 | $100,481 | $0 | $1,593 | Yes (X) | ||||
| HARLEN T PEDRETTI | ||||||||||
| DIRECTOR | 2.00 | 0.00 | $2,717 | $0 | $0 | Yes (X) | ||||
| DANIEL J DEUTMEYER | ||||||||||
| SECRETARY | 2.00 | 0.00 | $1,584 | $0 | $0 | Yes (X) | ||||
| CRENNA M BRUMWELL | ||||||||||
| DIRECTOR | 2.00 | 0.00 | $1,424 | $0 | $0 | Yes (X) | ||||
| CHAD M KRUSE | ||||||||||
| VICECHAIRPERSON | 2.00 | 0.00 | $988 | $0 | $0 | Yes (X) | ||||
| SCOTT J NEYENS | ||||||||||
| DIRECTOR | 2.00 | 0.00 | $810 | $0 | $0 | Yes (X) | ||||
| JOHN P VAIL | ||||||||||
| DIRECTOR | 2.00 | 0.00 | $799 | $0 | $0 | Yes (X) | ||||
| KEVIN R MUELLER | ||||||||||
| TREASURER | 4.00 | 0.00 | $760 | $0 | $0 | Yes (X) | ||||
| DAVID W EGGERS | ||||||||||
| DIRECTOR | 2.00 | 0.00 | $0 | $0 | $0 | Yes (X) | ||||
| NICHOLAS J SPECHT | ||||||||||
| CHAIRPERSON | 0.00 | 0.00 | $0 | $0 | $0 | Yes (X) | ||||
| MICHAEL T READY | ||||||||||
| DIRECTOR | 2.00 | 0.00 | $0 | $0 | $0 | Yes (X) | ||||
| TERI ZUCCARO | ||||||||||
| Treasurer | 2.00 | 0.00 | $0 | $0 | $0 | Yes (X) | ||||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $2,385,452 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $207,700 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 12 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | Yes (true) | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (true) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (5 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| Russell Contruction Co INC | |||||
| 4700 53rd st | Davenport | IA | 52807 | Construction | $1,998,519 |
| Corelation INC | |||||
| 2305 Historic Deatur Rd Suite 300 | San Diego | CA | 92106 | Data Processing | $478,644 |
| Data Business Equipment | |||||
| 10435 New York Ave | Urbandale | IA | 50322 | Data Processing | $410,396 |
| Hyland Software INC | |||||
| PO Box 846261 | Dallas | TX | 75284 | Data Processing | $270,003 |
| Access Softek INC | |||||
| PO BOX 51581 | Los Angeles | CA | 90051 | Data Processing | $248,235 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 6 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (2 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt |
|---|---|---|---|
| Loans to Member | 522100 | $47,446,377 | $47,446,377 |
| Fees and Income | 522100 | $7,972,717 | $7,972,717 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $55,419,094 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $6,580,403 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $6,580,403 | RelatedOrExemptFuncIncomeAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $108,059 | SecuritiesAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $21,586 | SecuritiesAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $86,473 | SecuritiesAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $86,473 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $86,473 | RelatedOrExemptFuncIncomeAmt |
Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Other Revenue Misc OtherRevenueMiscGrp (3 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|
| DuTrac Financial Group | 523000 | $215,424 | $215,424 |
| FCT Income | 523000 | $57,453 | $57,453 |
| ATM Surcharge to Non-Mbrs | 522100 | $46,093 | $46,093 |
Miscellaneous Revenue MiscellaneousRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $67,531 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $67,531 | RelatedOrExemptFuncIncomeAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $386,501 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $62,472,471 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $62,153,501 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $318,970 | UnrelatedBusinessRevenueAmt |
| Exclusion | $0 | ExclusionAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part IX | Yes (X) | InfoInScheduleOPartIXInd |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,358,784 | TotalAmt |
| Program Services | $2,358,784 | ProgramServicesAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $9,129,006 | TotalAmt |
| Program Services | $9,129,006 | ProgramServicesAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $395,082 | TotalAmt |
| Program Services | $395,082 | ProgramServicesAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,716,079 | TotalAmt |
| Program Services | $1,716,079 | ProgramServicesAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $782,707 | TotalAmt |
| Program Services | $782,707 | ProgramServicesAmt |
Fees For Services Management FeesForServicesManagementGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $139,855 | TotalAmt |
| Program Services | $139,855 | ProgramServicesAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $54,555 | TotalAmt |
| Program Services | $54,555 | ProgramServicesAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $81,427 | TotalAmt |
| Program Services | $81,427 | ProgramServicesAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,287,663 | TotalAmt |
| Program Services | $1,287,663 | ProgramServicesAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,954,734 | TotalAmt |
| Program Services | $1,954,734 | ProgramServicesAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $5,006,425 | TotalAmt |
| Program Services | $5,006,425 | ProgramServicesAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,611,636 | TotalAmt |
| Program Services | $2,611,636 | ProgramServicesAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $180,731 | TotalAmt |
| Program Services | $180,731 | ProgramServicesAmt |
Payments To Affiliates PaymentsToAffiliatesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $70,815 | TotalAmt |
| Program Services | $70,815 | ProgramServicesAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt | Program ServicesProgramServicesAmt |
|---|---|---|
| Ln Srv ExpProv ln loss | $6,179,893 | $6,179,893 |
| Cost of Funds | $25,937,328 | $25,937,328 |
| Ubit Tax | -$931 | -$931 |
| Misc Expense | $667,684 | $667,684 |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $58,553,473 | TotalAmt |
| Program Services | $58,553,473 | ProgramServicesAmt |
| Management And General | $0 | ManagementAndGeneralAmt |
| Fundraising | $0 | FundraisingAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $19,876,303 | BOYAmt |
| EOY | $20,877,681 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,129,729 | BOYAmt |
| EOY | $2,291,675 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,430,781 | BOYAmt |
| EOY | $2,812,423 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $866,377,615 | BOYAmt |
| EOY | $888,213,830 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,732,639 | BOYAmt |
| EOY | $3,569,960 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $42,261,398 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $19,713,806 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $19,766,717 | BOYAmt |
| EOY | $22,547,592 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $137,952,288 | BOYAmt |
| EOY | $217,549,813 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $18,804,614 | BOYAmt |
| EOY | $20,977,193 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,073,070,686 | BOYAmt |
| EOY | $1,178,840,167 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $20,341,239 | BOYAmt |
| EOY | $11,314,921 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $939,149,121 | BOYAmt |
| EOY | $1,049,582,425 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $959,490,360 | BOYAmt |
| EOY | $1,060,897,346 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $47,857,311 | BOYAmt |
| EOY | $52,219,806 | EOYAmt |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $65,723,015 | BOYAmt |
| EOY | $65,723,015 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $113,580,326 | BOYAmt |
| EOY | $117,942,821 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,073,070,686 | BOYAmt |
| EOY | $1,178,840,167 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expnss | $3,918,998 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $443,497 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $0 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | false | AccountantCompileOrReviewInd |
| FS Audited | Yes (true) | FSAuditedInd |
| Audit Committee | Yes (true) | AuditCommitteeInd |
| Federal Grant Audit Required | false | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | $5,484,496 | InvestmentCostOrOtherBasisAmt |
| Book Value | $5,484,496 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | $27,438,246 | InvestmentCostOrOtherBasisAmt |
| Depreciation | $13,581,553 | DepreciationAmt |
| Book Value | $13,856,693 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | $753,367 | InvestmentCostOrOtherBasisAmt |
| Depreciation | $604,006 | DepreciationAmt |
| Book Value | $149,361 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | $8,240,595 | InvestmentCostOrOtherBasisAmt |
| Depreciation | $5,388,413 | DepreciationAmt |
| Book Value | $2,852,182 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | $344,694 | InvestmentCostOrOtherBasisAmt |
| Depreciation | $139,834 | DepreciationAmt |
| Book Value | $204,860 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $22,547,592 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (7 entries)
| DescDesc | AmtAmt |
|---|---|
| Share Deposits | $213,747,507 |
| Club Account Deposits | $459,473 |
| Share Draft Deposits | $142,167,255 |
| Escrow Accounts | $2,280,441 |
| IRA Accounts | $58,011,312 |
| Certificates of Deposit | $502,976,977 |
| Money Markets | $129,939,460 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $1,049,582,425 | TotalLiabilityAmt |
| Total Rev Etc Audited Fincl Stmt | $62,472,471 | TotalRevEtcAuditedFinclStmtAmt |
| Revenue Subtotal | $62,472,471 | RevenueSubtotalAmt |
| Total Revenue Per Form990 | $62,472,471 | TotalRevenuePerForm990Amt |
| Tot Expns Etc Audited Fincl Stmt | $58,553,473 | TotExpnsEtcAuditedFinclStmtAmt |
| Expenses Subtotal | $58,553,473 | ExpensesSubtotalAmt |
| Total Expenses Per Form990 | $58,553,473 | TotalExpensesPerForm990Amt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | Yes (X) | TravelForCompanionsInd |
| Club Dues Or Fees | Yes (X) | ClubDuesOrFeesInd |
| Written Policy Ref T And E Expnss | Yes (true) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | Yes (true) | SubstantiationRequiredInd |
| Compensation Committee | Yes (X) | CompensationCommitteeInd |
| Written Employment Contract | Yes (X) | WrittenEmploymentContractInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | false | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | Yes (true) | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | false | EquityBasedCompArrngmInd |
| Comp Based On Revenue Of Flng Org | false | CompBasedOnRevenueOfFlngOrgInd |
| Comp Bsd On Rev Related Orgs | false | CompBsdOnRevRelatedOrgsInd |
| Comp Bsd Net Earns Flng Org | false | CompBsdNetEarnsFlngOrgInd |
| Comp Bsd Net Earns Rltd Orgs | false | CompBsdNetEarnsRltdOrgsInd |
| Any Non Fixed Payments | false | AnyNonFixedPaymentsInd |
| Initial Contract Exception | false | InitialContractExceptionInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (11 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt |
|---|---|---|---|---|---|---|
| ANDREW A HAWKINSON | ||||||
| PRESIDENTCEO | $601,603 | $45,317 | $9,448 | $5,716 | $662,084 | |
| RONALD J KINSELLA | ||||||
| SENIOR VP LENDING | $183,437 | $3,013 | $6,974 | $193,424 | ||
| LEE M HOERNER | ||||||
| SVP MEMBER SERVICE | $167,589 | $2,035 | $10,153 | $179,777 | ||
| MEGAN E KELLEHER-EGAN | ||||||
| SVP HUMAN RESOURCES | $151,630 | $3,588 | $1,814 | $11,715 | $168,747 | |
| JASON A NORTON | ||||||
| SVP MARKETING | $99,348 | $1,133 | $1,593 | $102,074 | ||
| ANDREW K LASSEN | ||||||
| SENIOR VP IT | $177,749 | $1,429 | $9,755 | $188,933 | ||
| KIM M ADAMS | ||||||
| SENIOR VP OPERATIONS | $133,845 | $3,267 | $2,163 | $5,763 | $195,038 | $50,000 |
| MICHELLE A ARISS | ||||||
| SENIOR VP FINANCE | $179,566 | $7,913 | $1,469 | $11,666 | $275,614 | $75,000 |
| TRAVIS PHELAN | ||||||
| COMMERCIAL LENDER | $129,549 | $12,262 | $832 | $10,626 | $153,269 | |
| JULIE SOUCINEK | ||||||
| MORTGAGE LOAN MANAGER | $85,222 | $88,061 | $921 | $5,809 | $180,013 | |
| JEFFREY WALLER | ||||||
| COMMERCIAL LENDING MGR | $147,414 | $1,780 | $1,000 | $150,194 | ||
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | Part I, Line 1a | FormAndLineReferenceDesc |
Schedule L IRS990ScheduleL
Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Loan From Organization | Yes (X) | LoanFromOrganizationInd |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (20 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Part VI Line 1a | NA |
| Part VI Line 1a | NA |
| Part VI Line 6 | The Credit Union is owned equally by each of its 53,278 members |
| Part VI Line 7a | The CU is owned equally by each of its members and does't have stockholders |
| Part VI Line 7a | However each member has one vote which they can use to elect board mbrs |
| Part VI Line 7b | Only in special circumstances, such as mergers, the members of the merging |
| Part VI Line 7b | CU would have to approve the unification |
| Part VI Line 8a | Minutes are taken at each meeting |
| Part VI Line 10b | There is just one organization |
| Part VI Line 11b | It is reviwed by the CEO, Board Executive Committe and Controller who |
| Part VI Line 11b | prepared the filing |
| Part VI Line 12c | The CU has an internal Auditor and a compliance officer to insure the |
| Part VI Line 12c | policies are updated and adhered to by all staff. |
| Part VI Line 15a or b | The decisions involving the CEO or top executives are usually handled by a |
| Part VI Line 15a or b | special committe or BOD for regualr decision such as comp and benefits |
| Part VI Line 19 | The accounting records are maintaned by the VP of Finance who shares |
| 11g | Misc. Expenses $1,287,663.00 |
| 11b | The controller preparers the return, it then reviewed, and then submitted |
| 19 | The accounting records are maintined by the VP of Finance who shares the |
| 19 | the infomation with the board and excutive team |