DUTRAC COMMUNITY CREDIT UNION: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization: DUTRAC COMMUNITY CREDIT UNION (EIN 42-0670685)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-05-04
IRS object ID: 202631249349301723
Schema version: 2025v4.1
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	2026-05-04T10:29:22-05:00	ReturnTs
Tax Period End	2025-12-31	TaxPeriodEndDt
Return Type	990	ReturnTypeCd
Tax Period Begin	2025-01-01	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	% Christopher J Whitt	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	CHRISTOPHER J WHITT	PersonNm
Person Title	Controller	PersonTitleTxt
Phone	5635858467	PhoneNum
Signature	2026-05-04	SignatureDt

Field	Value	IRS element (for citing)
Tax	2025	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	$68,578,189	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	214	TotalEmployeeCnt
Total Volunteers	11	TotalVolunteersCnt
Total Gross UBI	$325,213	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$55,419,094	PYProgramServiceRevenueAmt
CY Program Service Revenue	$60,007,353	CYProgramServiceRevenueAmt
PY Investment Income	$6,666,876	PYInvestmentIncomeAmt
CY Investment Income	$8,224,107	CYInvestmentIncomeAmt
PY Other Revenue	$386,501	PYOtherRevenueAmt
CY Other Revenue	$325,213	CYOtherRevenueAmt
PY Total Revenue	$62,472,471	PYTotalRevenueAmt
CY Total Revenue	$68,556,673	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$14,381,658	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$15,466,104	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$44,171,815	PYOtherExpensesAmt
CY Other Expenses	$44,486,898	CYOtherExpensesAmt
PY Total Expenses	$58,553,473	PYTotalExpensesAmt
CY Total Expenses	$59,953,002	CYTotalExpensesAmt
PY Revenues Less Expenses	$3,918,998	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$8,603,671	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,178,840,167	TotalAssetsBOYAmt
Total Assets EOY	$1,208,594,118	TotalAssetsEOYAmt
Total Liabilities BOY	$1,060,897,346	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,076,805,387	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$117,942,821	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$131,788,731	NetAssetsOrFundBalancesEOYAmt
Mission	PROMOTING THRIFT AMONG MEMBERS	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Expense	$59,953,002	ExpenseAmt
Revenue	$68,556,673	RevenueAmt
Desc	Granting affordable loans, promoting savings & thrift among 53,305 members	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	See 4a	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	See 4a	Desc

Field	Value	IRS element (for citing)
Total Program Service Expenses	$59,953,002	TotalProgramServiceExpensesAmt
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
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	75	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	214	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
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	MICHELLE A ARISS	PersonNm
Phone	5635858463	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 (24 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	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
ANDREW A HAWKINSON
PRESIDENTCEO	45.00	0.00	Yes (X)	$807,938	$0	$5,386
MICHELLE A ARISS
SENIOR VP FINANCE	45.00	0.00	Yes (X)	$226,068	$0	$11,986
RONALD J KINSELLA
SENIOR VP LENDING	45.00	0.00	Yes (X)	$209,762	$0	$8,719
JULIE SOUCINEK
MORTGAGE LOAN MANAGER	45.00	0.00		$202,308	$0	$5,695	Yes (X)
ANDREW K LASSEN
SENIOR VP IT	45.00	0.00	Yes (X)	$192,490	$0	$13,511
MEGAN E KELLEHER-EGAN
SVP HUMAN RESOURCES	45.00	0.00	Yes (X)	$184,357	$0	$11,999
LEE M HOERNER
SVP MEMBER SERVICE	45.00	0.00	Yes (X)	$177,185	$0	$12,311
TRAVIS PHELAN
COMMERCIAL LENDER	45.00	0.00		$163,439	$0	$11,208	Yes (X)
JEFFREY WALLER
COMMERCIAL LENDING MGR	45.00	0.00		$155,634	$0	$1,000	Yes (X)
KIM M ADAMS
SENIOR VP OPERATIONS	45.00	0.00	Yes (X)	$145,883	$0	$5,695
DENNIS NARANJO
COMMERCIAL LENDER	45.00	0.00		$143,537	$0	$1,946		Yes (X)
JASON R BAUER
Regional Manager	45.00	0.00		$113,348	$0	$143		Yes (X)
LAURA A JOHNSON
Consumer Lend Ops Mgr	45.00	0.00		$101,249	$0	$366		Yes (X)
KEVIN R MUELLER
DIRECTOR	2.00	0.00		$6,093	$0	$0			Yes (X)
JOHN P VAIL
DIRECTOR	2.00	0.00		$4,823	$0	$0			Yes (X)
TERI ZUCCARO
Vice Chair Person	2.00	0.00		$4,823	$0	$0			Yes (X)
CHAD M KRUSE
Director	2.00	0.00		$4,816	$0	$0			Yes (X)
HARLEN T PEDRETTI
Secretary	2.00	0.00		$2,361	$0	$0			Yes (X)
DANIEL J DEUTMEYER
CHAIR PERSON	4.00	0.00		$897	$0	$0			Yes (X)
DAVID W EGGERS
DIRECTOR	2.00	0.00		$714	$0	$0			Yes (X)
CRENNA M BRUMWELL
Treasurer	2.00	0.00		$0	$0	$0			Yes (X)
SCOTT J NEYENS
DIRECTOR	2.00	0.00		$0	$0	$0			Yes (X)
NICHOLAS J SPECHT
Director	2.00	0.00		$0	$0	$0			Yes (X)
MICHAEL T READY
DIRECTOR	2.00	0.00		$0	$0	$0			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,847,725	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$89,965	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	13	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	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
Fiserv
PO Box 934057	Atlanta	GA	311934057	Data Processing	$912,472
Townsquare Media
27142 Network Place	Chicago	IL	606731271	Advertising	$503,253
Access Softek Inc
PO Box 51581	Los Angeles	CA	900515881	Data Processing	$312,635
Corelation Inc
2305 Historic Decatur Rd Ste 300	San Diego	CA	921066073	Data Processing	$312,635
Conlon Construction Co
PO Box 3400	Dubuque	IA	520043400	Construction	$187,045

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	16	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
Loans to Members	522100	$51,831,252	$51,831,252
Fees & Income	522100	$8,176,101	$8,176,101

Field	Value	IRS element (for citing)
Total Program Service Revenue	$60,007,353	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,008,028	TotalRevenueColumnAmt
Related Or Exempt Func Income	$8,008,028	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$237,595	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$21,516	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$237,595	SecuritiesAmt
Other	-$21,516	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$216,079	TotalRevenueColumnAmt

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	$153,312	$153,312
FCT Income	523000	$58,634	$58,634
ATM Surcharges to Non-Mbr	522100	$49,287	$49,287

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$63,980	TotalRevenueColumnAmt
Unrelated Business Revenue	$63,980	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$325,213	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$68,556,673	TotalRevenueColumnAmt
Related Or Exempt Func Income	$68,015,381	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$325,213	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	$3,016,951	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$9,373,713	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$464,454	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,777,537	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$833,449	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$127,090	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$75,760	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$82,870	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,103,268	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,648,408	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,287,663	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,653,862	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$185,675	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$90,118	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
Ln Ser ExpProv LN Loss	$7,147,542
Cost of Funds	$25,421,693
UBIT Tax	-$26,201
Misc Expense	$689,150

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$59,953,002	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	$20,877,681	BOYAmt
EOY	$34,593,108	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$2,291,675	BOYAmt
EOY	$3,693,941	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$2,812,423	BOYAmt
EOY	$3,016,951	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$888,213,830	BOYAmt
EOY	$907,956,405	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$3,569,960	BOYAmt
EOY	$2,839,906	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$43,197,113	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$21,187,142	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$22,547,592	BOYAmt
EOY	$22,009,971	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$217,549,813	BOYAmt
EOY	$212,661,799	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$20,977,193	BOYAmt
EOY	$21,822,037	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,178,840,167	BOYAmt
EOY	$1,208,594,118	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$11,314,921	BOYAmt
EOY	$9,831,506	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,049,582,425	BOYAmt
EOY	$1,066,973,881	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,060,897,346	BOYAmt
EOY	$1,076,805,387	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	$52,219,806	BOYAmt
EOY	$59,462,044	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$65,723,015	BOYAmt
EOY	$72,326,687	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$117,942,821	BOYAmt
EOY	$131,788,731	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,178,840,167	BOYAmt
EOY	$1,208,594,118	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$8,603,671	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$5,242,238	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	$5,878,245	InvestmentCostOrOtherBasisAmt
Book Value	$5,878,245	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$28,412,405	InvestmentCostOrOtherBasisAmt
Depreciation	$14,641,802	DepreciationAmt
Book Value	$13,770,603	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$130,457	InvestmentCostOrOtherBasisAmt
Depreciation	$130,455	DepreciationAmt
Book Value	$2	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$8,378,668	InvestmentCostOrOtherBasisAmt
Depreciation	$6,217,286	DepreciationAmt
Book Value	$2,161,382	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$397,338	InvestmentCostOrOtherBasisAmt
Depreciation	$197,599	DepreciationAmt
Book Value	$199,739	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$22,009,971	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (4 entries)

DescDesc	AmtAmt
Mbr Share Deposits	$355,466,479
Mbr Share Draft Deposits	$140,432,778
Mbr CDs	$513,075,222
Mbr IRA Deposits	$57,999,402

Field	Value	IRS element (for citing)
Total Liability	$1,066,973,881	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
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 (10 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt
ANDREW A HAWKINSON
PRESIDENTCEO	$738,037	$60,353	$9,548	$5,386	$813,324
RONALD J KINSELLA
SENIOR VP LENDING	$206,622		$3,140	$8,719	$218,481
LEE M HOERNER
SVP MEMBER SERVICE	$174,961		$2,224	$12,311	$189,496
MEGAN E KELLEHER-EGAN
SVP HUMAN RESOURCES	$164,814	$17,500	$2,043	$11,999	$196,356
ANDREW K LASSEN
SENIOR VP IT	$190,919		$1,571	$13,511	$206,001
KIM M ADAMS
SENIOR VP OPERATIONS	$133,471	$10,000	$2,412	$5,695	$151,578
MICHELLE A ARISS
SENIOR VP FINANCE	$205,035	$19,449	$1,584	$11,986	$238,054
TRAVIS PHELAN
COMMERCIAL LENDER	$145,439	$17,056	$944	$11,208	$174,647
JULIE SOUCINEK
MORTGAGE LOAN MANAGER	$87,962	$113,346	$1,000	$5,695	$208,003
JEFFREY WALLER
COMMERCIAL LENDING MGR	$153,694		$1,940	$1,000	$156,634

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (10 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
ANDREW A HAWKINSON
PresidentCEO	Credit Union Ln to Mbr	Yes (X)	$503,200	$328,710	false	Yes (true)	Yes (true)
LEE M HOERNER
SVP of Member Service	Credit Union Ln to Mbr	Yes (X)	$155,084	$87,043	false	Yes (true)	Yes (true)
MEGAN E KELLEHER-EGAN
SVP of HR	Credit Union Ln to Mbr	Yes (X)	$83,540	$56,387	false	Yes (true)	Yes (true)
ANDREW K LASSEN
SVP of IT	Credit Union LN to Mbr	Yes (X)	$517,573	$334,524	false	Yes (true)	Yes (true)
MICHELLE A ARISS
SVP of Finance	Credit Union Ln to Mbr	Yes (X)	$233,863	$192,591	false	Yes (true)	Yes (true)
DANIEL J DEUTMEYER
Chairperson	Credit Union Ln to Mbr	Yes (X)	$22,509	$22,458	false	Yes (true)	Yes (true)
CRENNA M BRUMWELL
Treasurer	Credit Union Ln to Mbr	Yes (X)	$209,770	$146,086	false	Yes (true)	Yes (true)
HARLAN T PEDRETTI
Secretary	Credit Union Ln to Mbr	Yes (X)		$43	false	Yes (true)	Yes (true)
DAVID W EGGERS
DIRECTOR	Credit Union Ln to Mbr	Yes (X)	$204,000	$164,168	false	Yes (true)	Yes (true)
SCOTT J NEYENS
DIRECTOR	Credit Union Ln to Mbr	Yes (X)	$301,000	$295,423	false	Yes (true)	Yes (true)

Field	Value	IRS element (for citing)
Total Balance Due	$1,627,433	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (19 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Part VI Line 6	The credit union is owned equally by each of its 53,305 members
Part VI Line 7a	The credit union is owned equally by each of its members and does not have
Part VI Line 7a	stockholders. However, each member has one vote which they can use to elect
Part VI Line 7b	Only in special circumstances such as mergers, the member of the merging
Part VI Line 7b	credit union would have to approve the unification
Part VI Line 11b	It is reviewed by the CEO, Board Executive Committe, and Controller
Part VI Line 11b	who prepared the filing
Part VI Line 12c	The credit union has an internal auditor and a compliance officer to insure
Part VI Line 12c	the policies are updated and adhered to by all staff regardless of seniorit
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 regular periodic decisions such as comp, benefi
Part VI Line 19	The accounting records are maintained by the SVP of Finance, who shares
Part VI Line 19	Financial Reports with the CEO & BOD. They on display in the main lobby
Part IX Line 11g	Other Professional fees 1,103,268.08
Part VI Line 6	The credit union is owned equally by each of its 53,305 members
Part VI Line 7A	The credit union is owned equally by each of its members and does not have
Part VI Line 7A	stockholders. However, each member has one vote which they can use to elect
Part VI Line 7B	Only in special circumstances such as mergers, the member of the merging
Part VI Line 7B	credit union would have to approve the unification