2026-02-26T10:36:07-05:00 2025-12-31 461065712 BRENT WOOKEY CPA PO BOX 1512 LA CROSSE WI 546021512 990 2025-01-01 410448160 NSP CREDIT UNION NSPC 6512287668 2303 WHITE BEAR AVE N SUITE A MAPLEWOOD MN 55109 CHARLIE YENNI PRESIDENT/CEO 6512287672 2026-02-25 true BRENT WOOKEY CPA P00062439 6087920843 2026-02-26 X 2025 2025-03-06 01:10:19Z CHARLIE YENNI 2303 WHITE BEAR AVE N SUITE A MAPLEWOOD MN 55109 3766347 false X MYNSPCU.ORG X 1933 MN DELIVERING PERSONALIZED SERVICE TO EMPOWER OUR MEMBERS' FINANCIAL DECISIONS. 7 7 7 192 6800 1936886 1869490 160040 129951 6968 4426 2103894 2010667 1675 4700 0 704565 708846 0 0 1534276 1526139 2240516 2239685 -136622 -229018 38341337 36336372 30976674 28928779 7364663 7407593 DELIVERING PERSONALIZED SERVICE TO EMPOWER OUR MEMBERS' FINANCIAL DECISIONS. false false THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 41 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 2,707 MEMBERS. THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 39,446 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 126,994 OUTSTANDING LOANS RECEIVABLE. false false false false false false false false false true false true false true false false false false false false false false false false false false false false true false true false false false false false false false false false false false false true 563 0 true 7 true false false false false false false false false X 7 7 false false false false true true true true true false false false true true true true true true false false X CHARLIE YENNI 6512287668 2303 WHITE BEAR AVE N SUITE A MAPLEWOOD MN 55109 CHARLIE YENNI PRESIDENT/CE 50.00 X 137371 0 43571 TODD RIEBE DIRECTOR 0.75 X 962 0 0 JENNY BORGERSON RIES SECRETARY 0.50 X X 616 0 0 CORY BROWN VICE CHAIR 0.50 X X 563 0 0 DARREN KARNES DIRECTOR 0.50 X 547 0 0 BRANDON CRAMER CHAIR 0.50 X X 523 0 0 ALEX AUTIO DIRECTOR 0.50 X 516 0 0 CHRISTINE MCGINNIS TREASURER 0.50 X X 465 0 0 141563 43571 1 false true false FIS GLOBAL 347 RIVERSIDE AVE JACKSONVILLE FL 32202 CARD PROCESSING 222592 SHARETEC 101 E WASHINGTON BLVD FORT WAYNE IN 46802 CORE PROCESSOR 135565 2 6800 6800 INTEREST ON LOANS 522130 1413770 1413770 OTHER MEMBER RELATED REVENUE 522130 241976 241976 MEMBER FEE INCOME 522130 213552 213552 FEE & INSURANCE REVENUE 520000 192 192 1869490 198896 198896 4426 4426 1671460 15275 1738985 16695 -67525 -1420 -68945 -68945 2010667 1800353 192 203322 4700 141563 377650 61784 87840 40009 6404 3980 114824 75450 289712 135565 103356 8463 50 74639 15157 LOAN SERVICING EXPENSE 328002 DIVIDENDS EXPENSE 223478 CREDIT LOSS EXPENSE 147059 2239685 0 0 0 162097 129149 5339133 7374565 348291 332497 1803142 1854532 21531146 21033548 381645 322488 1093316 311527 850784 781789 6810181 3470903 388041 353513 726877 683388 38341337 36336372 315459 259235 11749 30661215 28657795 30976674 28928779 X 7364663 7407593 7364663 7407593 38341337 36336372 -229018 271948 X false false 802873 205651 597222 290443 105876 184567 781789 CUOLI 2138190 F OTHER INVSTMNTS MATURITY > 1 YR 744000 C AFS SECURITIES MATURITY > 1 YR 497813 F TCT RISK SOLUTIONS CUSO 26000 C SERVION GROUP CUSO 25000 C CO-OP FINANCIAL SVCS CUSO 20000 C MEMBERSHIP PIC ALLOYA CORP FCU 19900 C 3470903 MEMBER SHARES & DEPOSITS 28220883 LEASE LIABILITY 436912 28657795 X X X false true false CHARLIE YENNI PRESIDENT/CEO 129194 8141 36 21167 22404 180942 SCHEDULE J, PART III RE 4B. THE ORGANIZATION DEPOSITED FUNDS INTO A LIFE INSURANCE POLICY ON THE PRESIDENT'S LIFE. DURING LIFE, AND SUBJECT TO THE POLICY GENERATING SUFFICIENT VALUES, THE PRESIDENT CAN BORROW FROM THE POLICY. AT DEATH, THE ORGANIZATION RECOVERS ITS PREMIUMS PLUS INTEREST PLUS ADDITIONAL KEY-PERSON INSURANCE PROCEEDS. SEE ALSO INFORMATION AT SCHEDULE L, PART V. CHARIE YENNI PRESIDENT/CEO FUND PURCHASE CASD LIFE INSUR POLIC X 1600000 1854532 false true true 1854532 SCHEDULE L, PART V THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT THE IRS REFERS TO AS COLLATERAL ASSIGNMENT SPLIT DOLLAR (CASD). ALTHOUGH THE IRS REQUIRES REPORTING IN PART II ABOVE FOR LOANS TO INTERESTED PERSONS, CASD IS NOT AN ACTUAL LOAN. THERE IS NEITHER A TRANSFER OF FUNDS TO THE PARTICIPANT NOR AN OBLIGATION FOR THE PARTICIPANT TO PAY THOSE FUNDS BACK. INSTEAD, THE CREDIT UNION RECOVERS ITS OUTLAYS PLUS INTEREST FROM THE UNDERLYING POLICY. FORM 990, PAGE 6, PART VI, LINE 6 THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION. FORM 990, PAGE 6, PART VI, LINE 7A THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE. FORM 990, PAGE 6, PART VI, LINE 7B A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE. FORM 990, PAGE 6, PART VI, LINE 11B THE PRESIDENT PROVIDES DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. THE PRESIDENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN. FORM 990, PAGE 6, PART VI, LINE 12C CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY AND ANY POTENTIAL CONFLICTS ARE DISCUSSED BY THE BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 15A THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE COMPENSATION FOR THE PRESIDENT/CEO. APPROVAL IS NOTED IN THE BOARD MINUTES. FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. SUMMARY MONTHLY FINANCIAL STATEMENTS ARE POSTED ON THE CREDIT UNION'S WEBSITE.