ANOKA HENNEPIN CREDIT UNION: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: ANOKA HENNEPIN CREDIT UNION (EIN 41-6036540)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-08-12
IRS object ID: 201602259349300885
Schema version: 2015v2.0
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2016-08-12T06:36:46-07:00	ReturnTs
Tax Period End	2015-12-31	TaxPeriodEndDt
Return Type	990	ReturnTypeCd
Tax Period Begin	2015-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	416036540	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ANOKA HENNEPIN CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	ANOK	BusinessNameControlTxt
Phone	7634220290	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3505 NORTHDALE BLVD NW	AddressLine1Txt
City	COON RAPIDS	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55448	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JEFFREY CLAUSSEN	PersonNm
Person Title	President & CEO	PersonTitleTxt
Signature	2016-05-16	SignatureDt

Field	Value	IRS element (for citing)
Tax	2015	TaxYr
Build TS	2016-12-15 16:53:06Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JEFFREY CLAUSSEN	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 265	AddressLine1Txt
City	AMERY	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54001	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$8,923,745	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
All Affiliates Included	false	AllAffiliatesIncludedInd
Organization501c	Yes (X)	Organization501cInd
Website Address	www.ahcu.coop	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Formation	1963	FormationYr
Legal Domicile State	MN	LegalDomicileStateCd
Activity Or Mission	members helping members in a community-based, not-for-profit organization, with the goal of becoming our members primary financial institution; protecting members assets and providing personal, convenient and competitive services.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	8	VotingMembersIndependentCnt
Total Employee	90	TotalEmployeeCnt
Total Gross UBI	$125,811	TotalGrossUBIAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$7,570,300	PYProgramServiceRevenueAmt
CY Program Service Revenue	$7,370,845	CYProgramServiceRevenueAmt
PY Investment Income	$336,694	PYInvestmentIncomeAmt
CY Investment Income	$268,399	CYInvestmentIncomeAmt
PY Other Revenue	$29,303	PYOtherRevenueAmt
CY Other Revenue	$150,411	CYOtherRevenueAmt
PY Total Revenue	$7,936,297	PYTotalRevenueAmt
CY Total Revenue	$7,789,655	CYTotalRevenueAmt
PY Grants And Similar Paid	$1,000	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$1,000	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$3,109,950	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$3,386,718	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$3,014,027	PYOtherExpensesAmt
CY Other Expenses	$3,076,866	CYOtherExpensesAmt
PY Total Expenses	$6,124,977	PYTotalExpensesAmt
CY Total Expenses	$6,464,584	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,811,320	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,325,071	CYRevenuesLessExpensesAmt
Total Assets BOY	$143,554,633	TotalAssetsBOYAmt
Total Assets EOY	$156,570,037	TotalAssetsEOYAmt
Total Liabilities BOY	$130,445,859	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$142,136,192	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$13,108,774	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$14,433,845	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	members helping members in a community-based, not-for-profit organization, with the goal of becoming our members primary financial institution; protecting members assets and providing personal, convenient and competitive services.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	MEMBERSHIP - ANOKA HENNEPIN CREDIT UNION SERVED THE FINANCIAL NEEDS OF 16,869 MEMBERS. AN AVERAGE OF 4.55 PRODUCTS AND SERVICES WERE USED PER MEMBER AS OF DECEMBER 31, 2015.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	SAVINGS - ANOKA HENNEPIN CREDIT UNION PROVIDES 31,263 SAVINGS PRODUCTS TO MEMBERS. THIS INCLUDES SHARE ACCOUNTS, SHARE DRAFT ACCOUNTS, IRAs, SHARE CERTIFICATES, AND MONEY MARKET ACCOUNTS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	LOANS - ANOKA HENNEPIN CREDIT UNION PROVIDES 8,076 LOAN PRODUCTS TO MEMBERS, INCLUDING REAL ESTATE, VEHICLE, OTHER SECURED, UNSECURED, AND CREDIT CARD LOANS.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Lobbying Activities	false	LobbyingActivitiesInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (true)	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	false	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
Invest Tax Exempt Bonds	false	InvestTaxExemptBondsInd
Escrow Account	false	EscrowAccountInd
On Behalf Of Issuer	false	OnBehalfOfIssuerInd
Engaged In Excess Benefit Trans	false	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	false	PYExcessBenefitTransInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	Yes (true)	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	Yes (true)	BusinessRlnWithOfficerEntInd
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
Trnsfr Exmpt Non Chrtbl Rltd Org	false	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	1761	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	90	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Quid Pro Quo Contributions	false	QuidProQuoContributionsInd
Form8282 Property Disposed Of	false	Form8282PropertyDisposedOfInd
Form8282 Filed	0	Form8282FiledCnt
Rcv Fnds To Pay Prsnl Bnft Cntrct	false	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	false	PayPremiumsPrsnlBnftCntrctInd
Form8899 Filedind	false	Form8899Filedind
Form1098 C Filed	false	Form1098CFiledInd
DAF Excess Business Holdings	false	DAFExcessBusinessHoldingsInd
Taxable Distributions	false	TaxableDistributionsInd
Distribution To Donor	false	DistributionToDonorInd
Org Filed In Lieu Of Form1041	false	OrgFiledInLieuOfForm1041Ind
Licensed More Than One State	false	LicensedMoreThanOneStateInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	8	IndependentVotingMemberCnt
Family Or Business Rln	Yes (true)	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	false	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
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
Other Website	Yes (X)	OtherWebsiteInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	MARTIN WALIGORA	PersonNm
Phone	7634220290	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3505 NORTHDALE BLVD NW	AddressLine1Txt
City	COON RAPIDS	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	554486742	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (11 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
TERRY ANDERSON
Director	1.00	0.00	Yes (X)	$800	$0	$0
CHRISTIAN MELBERG
Director	1.00	0.00	Yes (X)	$770	$0	$0
TODD PROULX
Director	1.00	0.00	Yes (X)	$1,520	$0	$0
JOHN FRANTESL
Director	1.00	0.00	Yes (X)	$840	$0	$0
MARK UNDIS
Chairman	1.00	0.00	Yes (X)	$880	$0	$0
ALAN VOKATY
Director	1.00	0.00	Yes (X)	$840	$0	$0
JEFFREY CLAUSSEN
President & CEO	40.00	0.00	Yes (X)	$167,987	$0	$30,913	Yes (X)
BARBARA ROTHE
Vice Chair	1.00	0.00	Yes (X)	$960	$0	$0
JIM GAFFNEY
Director	1.00	0.00	Yes (X)	$840	$0	$0
MARTIN WALIGORA
CFO	40.00	0.00		$103,246	$0	$26,639	Yes (X)
JAMES BACIGALUPO
EXECUTIVE VP	40.00	0.00		$99,712	$0	$25,526	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$378,395	TotalReportableCompFromOrgAmt
Total Other Compensation	$83,078	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	2	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp

Contractor Name ContractorName

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	FISERV INC	BusinessNameLine1Txt

Contractor Address ContractorAddress

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4897 LAKE PARK BLVD STE 200	AddressLine1Txt
City	LAKE CITY	CityNm
State Abbreviation	UT	StateAbbreviationCd
ZIP	84120	ZIPCd

Field	Value	IRS element (for citing)
Services	COMP SYSTEM SUPPORT	ServicesDesc
Compensation	$121,222	CompensationAmt

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	1	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
COMMISSION INCOME	522100	$158,794	$158,794
DEBIT AND CREDIT CARD	522100	$1,122,053	$1,122,053
FEE INCOME	522100	$1,206,900	$1,206,900
INTEREST ON LOANS	522100	$4,746,028	$4,746,028
Other prog svcs revenue	522100	$137,070	$137,070

Field	Value	IRS element (for citing)
Total Program Service Revenue	$7,370,845	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$272,927	TotalRevenueColumnAmt
Related Or Exempt Func Income	$272,927	RelatedOrExemptFuncIncomeAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$24,600	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$24,600	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$24,600	TotalRevenueColumnAmt
Exclusion	$24,600	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$1,129,562	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$1,134,090	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$4,528	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$4,528	TotalRevenueColumnAmt
Exclusion	-$4,528	ExclusionAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income From Gaming NetIncomeFromGamingGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Gross Sales Of Inventory	$125,811	GrossSalesOfInventoryAmt

Net Income Or Loss NetIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$125,811	TotalRevenueColumnAmt
Unrelated Business Revenue	$125,811	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,789,655	TotalRevenueColumnAmt
Related Or Exempt Func Income	$7,643,772	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$125,811	UnrelatedBusinessRevenueAmt
Exclusion	$20,072	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$1,000	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$461,473	TotalAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$2,132,892	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$162,786	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$413,599	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$215,968	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$16,650	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$35,993	TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$186,315	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$268,462	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$213,095	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$277,405	TotalAmt

Royalties RoyaltiesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$488,051	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$4,621	TotalAmt

Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$43,933	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$291,899	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$82,512	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
Debit & Credit Card Expenses	$624,676
Loan Servicing Expenses	$277,706
Dividends on Shares	$130,651
Business Development Expenses	$92,891

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$42,006	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,464,584	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,939,854	BOYAmt
EOY	$1,654,313	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$10,027,219	BOYAmt
EOY	$20,434,760	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

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

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$166,229	BOYAmt
EOY	$243,075	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

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

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

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

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$90,936,692	BOYAmt
EOY	$96,508,723	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

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

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$219,819	BOYAmt
EOY	$301,563	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$8,597,512	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$4,156,230	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$4,543,083	BOYAmt
EOY	$4,441,282	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$14,097,810	BOYAmt
EOY	$11,865,956	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$15,413,624	BOYAmt
EOY	$15,113,624	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

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

Intangible Assets IntangibleAssetsGrp

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

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$6,210,303	BOYAmt
EOY	$6,006,741	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$143,554,633	BOYAmt
EOY	$156,570,037	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$859,519	BOYAmt
EOY	$928,287	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$3,750	BOYAmt
EOY	$6,135	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$129,582,590	BOYAmt
EOY	$141,201,770	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$130,445,859	BOYAmt
EOY	$142,136,192	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$13,108,774	BOYAmt
EOY	$14,433,845	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$13,108,774	BOYAmt
EOY	$14,433,845	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$143,554,633	BOYAmt
EOY	$156,570,037	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,325,071	ReconcilationRevenueExpnssAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	false	FSAuditedInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,048,740	OtherCostOrOtherBasisAmt
Book Value	$1,048,740	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,802,335	OtherCostOrOtherBasisAmt
Depreciation	$1,705,698	DepreciationAmt
Book Value	$3,096,637	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$341,589	OtherCostOrOtherBasisAmt
Depreciation	$314,079	DepreciationAmt
Book Value	$27,510	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,404,848	OtherCostOrOtherBasisAmt
Depreciation	$2,136,453	DepreciationAmt
Book Value	$268,395	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$4,441,282	TotalBookValueLandBuildingsAmt
Total Book Value Securities	$15,113,624	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	Member Shares & Savings	Desc
Amt	$141,201,770	Amt

Field	Value	IRS element (for citing)
Total Liability	$141,201,770	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

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

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	JEFFREY CLAUSSEN	PersonNm
Title	President & CEO	TitleTxt
Base Compensation Filing Org	$151,955	BaseCompensationFilingOrgAmt
Bonus Filing Organization	$15,000	BonusFilingOrganizationAmount
Other Compensation Filing Org	$1,032	OtherCompensationFilingOrgAmt
Deferred Comp Rltd Orgs	$5,317	DeferredCompRltdOrgsAmt
Nontaxable Benefits Rltd Orgs	$25,596	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$167,987	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$30,913	TotalCompensationRltdOrgsAmt

Schedule L IRS990ScheduleL

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp

Name Of Interested NameOfInterested

Field	Value	IRS element (for citing)
Person	TANYA L BACIGALUPO	PersonNm

Field	Value	IRS element (for citing)
Relationship Description	FAMILY	RelationshipDescriptionTxt
Transaction	$83,365	TransactionAmt
Transaction	EMPLOYEE COMPENSATION	TransactionDesc
Sharing Of Revenues	false	SharingOfRevenuesInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule L, Part V Supplemental Information	FormAndLineReferenceDesc
Explanation	SCH. L, PART IV, BUSINESS TRANSACTIONS INVOLVING INTERESTED PERSONS:A) NAME OF PERSON: TANYA L BACIGALUPOB) RELATIONSHIP BETWEEN INTERESTED PERSON AND ORGANIZATION: FAMILY MEMBER OF OFFICER	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (12 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part III, Line 4d: Other Program Services Description	OTHER PROGRAM SERVICES 4: OTHER PRODUCTS AND SERVICES - ANOKA HENNEPIN CREDIT UNION DELIVERS 37,398 OTHER FINANCIAL PRODUCTS AND SERVICES TO MEMBERS INCLUDING DEBIT CARDS, INTERNET BANKING, BILL PAYMENT, INSURANCE, AND SAFE DEPOSIT BOXES.
Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et	JEFFREY CLAUSSEN AND JAMES BACIGALUPO - FAMILY RELATIONSHIP
Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	MEMBERSHIP TO THE ORGANIZATION IS LIMITED TO THOSE WHO ARE EMPLOYEES AND FAMILY MEMBERS OF SUCH EMPLOYEES OF THE ORGANIZATIONS STATED IN THE BYLAWS OF ANOKA HENNEPIN CREDIT UNION.
Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body	ALL PRIMARY MEMBERS HAVE THE RIGHT TO VOTE TO ELECT MEMBERS TO OUR GOVERNING BODY.
Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders	ALL ELIGIBLE MEMBERS MAY VOTE ON CHANGES TO THE BYLAWS OF ANOKA HENNEPIN CREDIT UNION, APPROVAL OF DIRECTOR STIPENDS, THE REMOVAL OF DIRECTORS, OR THE REMOVAL OF ANOTHER MEMBER UNDER CERTAIN CIRCUMSTANCES.
Form 990, Part VI, Line 8: Explanation of No Contemporaneously Documentation of Meetings	THE COMMITTEES ARE NOT GRANTED AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
Form 990, Part VI, Line 11b: Form 990 Review Process	A FINAL COPY OF FORM 990 WAS AVAILABLE TO EACH VOTING MEMBER OF OUR GOVERNING BODY VIA A BOARD MEMBER WEBSITE AFTER THE CEO AND CFO DOES AN INITIAL REVIEW AND PRIOR TO THE RETURN BEING FILED WITH THE INTERNAL REVENUE SERVICE.
Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	CONFLICTS OF INTEREST ARE MONITORED BY INTERNAL AUDITS, EXTERNAL (CPA FIRM) AUDITS, AND NCUA AND STATE EXAMS. ALL EMPLOYEES ARE COVERED BY THE POLICY, INCLUDING MEMBERS OF MANAGEMENT AND THE BOARD OF DIRECTORS. DETERMINATIONS ARE MADE BY THE PRESIDENT AND CEO. ACTUAL CONFLICTS ARE REVIEWED BY THE CHAIRPERSON OF THE BOARD AND THE MANAGEMENT TEAM. IF A CONFLICT ARISES, THE IDENTIFIED PERSON IS RESTRICTED AND MAY NOT VOTE OR MAKE RECOMMENDATIONS ON PROPOSALS FROM THOSE ENTITIES.
Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management	THE VICE PRESIDENT OF HUMAN RESOURCES REVIEWED AND COLLECTED INFORMATION FROM CREDIT UNION EXECUTIVES SOCIETY (CUES), CREDIT UNION NATIONAL ASSOCIATION (CUNA), AND GOVERNMENT AGENCY RESOURCES TO FORMULATE RANGES FOR COMPENSATION.
Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees	THE VICE PRESIDENT OF HUMAN RESOURCES REVIEWED AND COLLECTED INFORMATION FROM CREDIT UNION EXECUTIVES SOCIETY (CUES), CREDIT UNION NATIONAL ASSOCIATION (CUNA), AND GOVERNMENT AGENCY RESOURCES TO FORMULATE RANGES FOR COMPENSATION.
Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	GOVERNING DOCUMENTS ARE POSTED ON THE WEBSITE, WWW.AHCU.NET, AND ARE PROVIDED UPON WRITTEN REQUEST TO THE GENERAL PUBLIC. THE FINANCIAL STATEMENTS ARE POSTED MONTHLY IN ALL OFFICES, AND ARE AVAILABLE QUARTERLY ON THE NCUA'S WEBSITE, WWW.NCUA.GOV.
ANOKA HENNEPIN CREDIT UNION	FORM 990, PART I, LINE 1, DESCRIPTION OF ORGANIZATION MISSION:BECOMING OUR MEMBERS' PRIMARY FINANCIAL INSTITUTION; PROTECTING MEMBERS' ASSETS AND PROVIDING PERSONAL, CONVENIENT, AND COMPETITIVE SERVICES.