ASSOCIATED HEALTHCARE CREDIT UNION: Form 990, tax year 2024

View the entire original 990 at ProPublica ↗

Organization: ASSOCIATED HEALTHCARE CREDIT UNION (EIN 41-0738787)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-11-05
IRS object ID: 202543099349302104
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
Form 990
Schedule D
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2025-11-05T10:10:49-06:00	ReturnTs
Tax Period End	2024-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	410746749	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	CLIFTONLARSONALLEN LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	109 N MAIN STREET SUITE 200	AddressLine1Txt
City	AUSTIN	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55912	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2024-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	410738787	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ASSOCIATED HEALTHCARE CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	ASSO	BusinessNameControlTxt
Phone	6513834000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6789 UPPER AFTON RD	AddressLine1Txt
City	WOODBURY	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55125	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	CHEE LEE	PersonNm
Person Title	EXECUTIVE DIRECTOR OF FINANCE	PersonTitleTxt
Phone	6513834000	PhoneNum
Signature	2025-11-03	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (1)	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	TANYA MEDGAARDEN	PreparerPersonNm
PTIN	P01717240	PTIN
Phone	5074347000	PhoneNum
Preparation	2025-11-03	PreparationDt

Field	Value	IRS element (for citing)
Tax	2024	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	THERESA MALONE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6789 UPPER AFTON RD	AddressLine1Txt
City	WOODBURY	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55125	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$8,823,252	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.AHCU.ORG	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Other Organization Dsc	CU	OtherOrganizationDsc
Formation	1953	FormationYr
Legal Domicile State	MN	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE LENDING, SAVINGS AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A "SERVICE-BASED EMPHASIS" THAT RECOGNIZES THE MEMBERS' STATUS AS "OWNERS".	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	31	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$7,059	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$6,855,526	PYProgramServiceRevenueAmt
CY Program Service Revenue	$7,857,354	CYProgramServiceRevenueAmt
PY Investment Income	$790,368	PYInvestmentIncomeAmt
CY Investment Income	$965,898	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$7,645,894	PYTotalRevenueAmt
CY Total Revenue	$8,823,252	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$1,089,183	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$1,948,742	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$1,782,073	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,989,629	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,868,425	PYOtherExpensesAmt
CY Other Expenses	$3,217,306	CYOtherExpensesAmt
PY Total Expenses	$5,739,681	PYTotalExpensesAmt
CY Total Expenses	$7,155,677	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,906,213	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,667,575	CYRevenuesLessExpensesAmt
Total Assets BOY	$156,518,551	TotalAssetsBOYAmt
Total Assets EOY	$162,580,704	TotalAssetsEOYAmt
Total Liabilities BOY	$138,310,138	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$142,412,697	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$18,208,413	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$20,168,007	NetAssetsOrFundBalancesEOYAmt
Mission	TO PROVIDE LENDING, SAVINGS AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A "SERVICE-BASED EMPHASIS" THAT RECOGNIZES THE MEMBERS' STATUS AS "OWNERS".	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	THE CREDIT UNION PROVIDES A VARIETY OF DEPOSITORY SERVICES TO OUR MEMBERSHIP. WE HAD 12,457 MEMBER ACCOUNTS WITH DEPOSITS OF $141,859,397 AS OF DECEMBER 31, 2024.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	THE CREDIT UNION PROVIDES A VARIETY OF LENDING SERVICES TO OUR MEMBERSHIP. WE HAD 8,135 LOANS OUTSTANDING AS OF DECEMBER 31, 2024 WITH BALANCES OF $125,233,577.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	THE CREDIT UNION PROVIDES ACCESS TO MEMBERS TO THEIR ACCOUNTS VIA ELECTRONIC BANKING, ATM NETWORK, SHARED BRANCHING, AND IN PERSON.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	2274	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	31	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Rcv Fnds To Pay Prsnl Bnft Cntrct	0	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	0	PayPremiumsPrsnlBnftCntrctInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	Yes (1)	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	0	ConflictOfInterestPolicyInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CHEE LEE	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	6513834000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6789 UPPER AFTON ROAD	AddressLine1Txt
City	WOODBURY	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55125	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (11 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
JOE CLUBB
CHAIR	1.00	Yes (X)	Yes (X)	$550	$0	$0
PATTI ELLIOT-ALLEN
VICE CHAIR	1.00	Yes (X)	Yes (X)	$600	$0	$0
LINDA ZDON
SECRETARY	1.00	Yes (X)	Yes (X)	$350	$0	$0
CORRINE KROEHLER
DIRECTOR	1.00	Yes (X)		$550	$0	$0
KATINA MCDUGLE
DIRECTOR	1.00	Yes (X)		$600	$0	$0
MICHAEL NASS
DIRECTOR	1.00	Yes (X)		$450	$0	$0
CANDICE WASHINGTON
DIRECTOR	1.00	Yes (X)		$600	$0	$0
THERESA MALONE
CEO	40.00		Yes (X)	$270,070	$0	$45,899
CHEE LEE
EXECUTIVE DIRECTOR OF FINANCE	40.00			$160,624	$0	$16,827	Yes (X)
JULIE CASH
EXECUTIVE DIRECTOR OF BRANCH OPERATIONS	40.00			$144,759	$0	$30,956	Yes (X)
MELISSA GARCIA
EXECUTIVE DIRECTOR OF BRANCH SERVICES	40.00			$100,579	$0	$5,679	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$679,732	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$99,361	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	4	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV INC
255 FISERV DRIVE	BROOKFIELD	WI	55102	CORE PROCESSOR	$549,818
VELERA
580 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CARD PROCESSOR	$514,739
NUSOURCE FINANCIAL LLC
9749 HAMILTON RD	EDEN PRAIRIE	MN	55344	ATM PROVIDER	$507,054
VISA USA INC
900 METRO CENTER BLVD	FOSTER CITY	CA	94404	CARD PROCESSOR	$163,575
CMS CONSTRUCTION
521 NORTH AVE	NORTH PLAINFIELD	NJ	07060	CONSTRUCTION MANAGEMENT	$143,034

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	7	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST	522100	$6,212,937	$6,212,937
OTHER INCOME	524298	$857,057	$857,057
FEES/CHARGES	522100	$787,360	$780,301	$7,059

Field	Value	IRS element (for citing)
Total Program Service Revenue	$7,857,354	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$965,898	TotalRevenueColumnAmt
Exclusion	$965,898	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,823,252	TotalRevenueColumnAmt
Related Or Exempt Func Income	$7,850,295	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$7,059	UnrelatedBusinessRevenueAmt
Exclusion	$965,898	ExclusionAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$1,948,742	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$319,669	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,372,355	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$61,642	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$94,611	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$141,352	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$49,739	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$417,825	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,316,607	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$232,596	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$27,866	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$82,877	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICE EXPENSE	$414,050
EDUCATION/PROMOTION	$349,451
CREDIT LOSS PROVISION	$289,217
MISCELLANEOUS EXPENSE	$37,078

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$7,155,677	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$500,753	BOYAmt
EOY	$473,995	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$11,781,053	BOYAmt
EOY	$20,616,524	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$126,894,830	BOYAmt
EOY	$124,554,579	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$272,930	BOYAmt
EOY	$476,430	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$2,082,989	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$536,082	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,084,555	BOYAmt
EOY	$1,546,907	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$13,534,826	BOYAmt
EOY	$12,445,852	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$1,490,994	BOYAmt
EOY	$1,460,463	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$958,610	BOYAmt
EOY	$1,005,954	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$156,518,551	BOYAmt
EOY	$162,580,704	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$51,757	BOYAmt
EOY	$553,300	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$138,258,381	BOYAmt
EOY	$141,859,397	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$138,310,138	BOYAmt
EOY	$142,412,697	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$18,208,413	BOYAmt
EOY	$20,168,007	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$18,208,413	BOYAmt
EOY	$20,168,007	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$156,518,551	BOYAmt
EOY	$162,580,704	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,667,575	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$292,019	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$190,300	OtherCostOrOtherBasisAmt
Book Value	$190,300	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$885,309	OtherCostOrOtherBasisAmt
Depreciation	$83,576	DepreciationAmt
Book Value	$801,733	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$186,116	OtherCostOrOtherBasisAmt
Depreciation	$95,229	DepreciationAmt
Book Value	$90,887	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$821,264	OtherCostOrOtherBasisAmt
Depreciation	$357,277	DepreciationAmt
Book Value	$463,987	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$1,546,907	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp

Field	Value	IRS element (for citing)
Desc	SECURITIES - AVAILABLE FOR SALE	Desc
Book Value	$12,445,852	BookValueAmt
Method Valuation	F	MethodValuationCd

Field	Value	IRS element (for citing)
Total Book Value Securities	$12,445,852	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$141,859,397	Amt

Field	Value	IRS element (for citing)
Total Liability	$141,859,397	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION IS EXEMPT, UNDER INTERNAL REVENUE CODE (IRC) 501(C)(14), FROM FEDERAL AND STATE INCOME TAX. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE AND HAS A NET OPERATING LOSS CARRYFORWARD AS OF THE 2016 CALENDAR YEAR. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES, AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S 2021 AND SUBSEQUENT TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
THERESA MALONE
CEO	$237,706	$0	$23,443	$0	$8,921	$0	$36,725	$0	$9,174	$0	$315,969	$0	$0	$0
CHEE LEE
EXECUTIVE DIRECTOR OF FINANCE	$144,837	$0	$7,710	$0	$8,077	$0	$8,178	$0	$8,649	$0	$177,451	$0	$0	$0
JULIE CASH
EXECUTIVE DIRECTOR OF BRANCH OPERATI	$132,085	$0	$6,966	$0	$5,708	$0	$7,433	$0	$23,523	$0	$175,715	$0	$0	$0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 1A	IN THE INSTANCE OF A QUORUM WITH A HUNG VOTE, THE CHAIR CAN EXERCISE THE RIGHT OF TWO VOTES.
FORM 990, PART VI, SECTION A, LINE 4	UPDATED BYLAWS TO THE NEW BYLAW STANDARD APPROVED IN 2020. FOCUSING ON WHO QUALIFIES TO BE A MEMBER.
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF MEMBERS, EACH OF WHICH HAS EQUAL VOTING RIGHTS AT THE ANNUAL MEETINGS.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE-YEAR TERMS ON A ROTATING BASIS. THE BOARD OF DIRECTORS APPOINT VOLUNTEERS TO SERVE AS OFFICERS AND ON ANY COMMITTEES, SUCH AS THE SUPERVISORY COMMITTEE.
FORM 990, PART VI, SECTION A, LINE 7B	CHANGES TO THE STRUCTURE OF THE BOARD OF DIRECTORS REQUIRES MEMBER VOTING.
FORM 990, PART VI, SECTION B, LINE 11B	PRESIDENT/CEO & EXECUTIVE DIRECTOR OF FINANCE WILL REVIEW 990 FORMS BEFORE SIGNATURE AND SUBMISSION TO AUDITOR FOR FINAL FILING.
FORM 990, PART VI, SECTION B, LINE 15	THE PROCESS USED TO SET THE CEO'S ANNUAL SALARY IS BASED ON A COMBINATION OF COMPARISON TO COMPARABLE SIZED CREDIT UNIONS THROUGH USE OF CUNA'S ANNUAL COMPENSATION SURVEY AND ATTAINMENT IN THE CURRENT YEAR OF PREDEFINED PERFORMANCE OBJECTIVES SET FOR THE CEO PERSONALLY AND THE CREDIT UNION. THIS PROCESS IS PERFOMED BY A SUBCOMMITTEE OF THE BOARD AND PRESENTED TO THE FULL BOARD FOR APPROVAL. FORM 990, PART VI, SECTION B, LINE 15B: THE CEO REVIEWS THE PERFORMANCE AND GOALS OF OTHER OFFICERS AND KEY EMPLOYEES AND GRANTS ANY INCREASES WITHIN BUDGET THAT IS SET FOR THE YEAR. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2024.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC THROUGH POSTING IN CREDIT UNION OFFICES AND ALSO AT ANNUAL MEETINGS. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY AND BY-LAWS ARE AVAILABLE TO THE PUBLIC THROUGH THE ORGANIZATION'S WEBSITE.
FORM 990, PART XII, LINE 2B:	THE AUDIT IS DONE AS OF JUNE 30. THE REPORTING PERIOD FOR THE AUDIT, THEREFORE, DOESN'T MATCH THE REPORTING PERIOD FOR THE 990.