2024-11-13T18:10:16-05:00 2023-12-31 990 2023-01-01 450226724 CAPITAL CREDIT UNION % Ryan Monson CAPI 7012550042 204 W THAYER AVE BISMARCK ND 585013772 Ryan Monson Chief Financial Officer 2024-11-13 2023 2024-10-15 13:58:12Z Ryan Monson 204 W THAYER AVE BISMARCK ND 585013772 43874695 false X www.capcu.org X Organization 1936 ND TO BE THE TRUSTED FINANCIAL RESOURCE THAT PUTS MEMBERS FIRST. 7 7 199 7 392200 0 0 0 31411689 35262698 461199 3203497 937115 2687644 32810003 41153839 0 20000 0 351 12070717 12805729 0 0 0 13744221 20031208 25814938 32857288 6995065 8296551 724151270 755781859 643185799 664191944 80965471 91589915 TO BE THE TRUSTED FINANCIAL RESOURCE THAT PUTS MEMBERS FIRST. false false 32857288 0 0 OUR CREDIT UNION WAS SERVING 31,429 MEMBERS AS OF DECEMBER 31 2023. OUR PROGRAM OBJECTIVES ARE TO BE THE TRUSTED FINANCIAL RESOURCE THAT PUTS MEMBERS FIRST AND TO BE THE BEST CHOICE FOR FINANCIAL SERVICES IN OUR MARKET. OUR PROGRAM OFFERS OUR MEMBERS A VARIETY OF PRODUCTS INCLUDING BUT NOT LIMITED TO: LOANS SAVINGS AND CHECKING ACCOUNTS CERTIFICATES OF DEPOSIT CARD AND DIGITAL SERVICES. 0 0 0 0 0 0 0 0 0 32857288 false false false false false false false true false true true false false true true false true false false false false false false false false false false true true false true false false false false false false false false true false false false true 12033 0 true 199 true true true false false false false false false false X 7 7 false false false false true true true true true true false true true true true true true true true false ND X Kyla Stampka 7013557738 204 W THAYER AVE BISMARCK ND 585013772 X Vance Reinbold Chief Executive Officer 45.00 0.00 X 377537 0 34601 Jonathan Griffin Chief Executive Officer 45.00 0.00 X 335523 0 34635 Keith Mantz Chief Retail Officer 45.00 0.00 X 270142 0 28217 Bradley Shetler Chief Lending Officer 45.00 0.00 X 218551 0 38292 Kurt Schmidt Chief Information Officer 45.00 0.00 X 214040 0 16303 Ryan Monson Chief Financial Officer 45.00 0.00 X 195236 0 24391 Scott Bullinger Mortgage Loan Officer 45.00 0.00 X 172974 0 40435 Sean Smith Vice President of Legal Risk 45.00 0.00 X 155443 0 12229 Douglas Lee Market President-East Region 45.00 0.00 X 154111 0 12499 Jillian Lagasse Chief Marketing Experience Officer 45.00 0.00 X 153335 0 38043 Patricia Olson Vice President of Human Resources 45.00 0.00 X 152624 0 32968 Dustin Bitz Director of Financial Education 45.00 0.00 X 149841 0 25332 Thomas Ternes Market President-Central Region 45.00 0.00 X 142945 0 29563 Chad Williams Agricultural Vice President 45.00 0.00 X 137698 0 33892 Nanette Fort Mortgage Loan Underwriter 45.00 0.00 X 125630 0 20851 Austin Kahler Vice President of Credit 45.00 0.00 X 117509 0 24151 Kyla Stampka Vice President of Accounting 45.00 0.00 X 115260 0 31592 Leanne Holzer Vice President of Operations 45.00 0.00 X 105635 0 21006 Marlina Walth Board Member 4.00 0.00 X 3728 0 0 Michael Gunsch Board Member 4.00 0.00 X 2769 0 0 Shawn Deisz Board Member 4.00 0.00 X 2604 0 0 Lance Gaebe Board Member 4.00 0.00 X 2561 0 0 Jay Buringrud Board Member 4.00 0.00 X 550 0 0 Faye Miller Board Member 4.00 0.00 X 550 0 0 Kevin Schoenborn Board Member 4.00 0.00 X 500 0 0 3307296 0 499000 25 false true false Finastra 744 Primera Blvd Suite 2000 Lake Mary FL 32746 Financial services technology 873727 Roers Construction 200 45th St S Fargo ND 58103 General contracting 587666 Jack Henry & Associates 663 W Hwy 60 Monett MO 65708 Financial services technology 586365 Strum 2033 6th Avenue Suite 600 Seattle WA 98121 Marketing agency 431459 Diebold Nixdorf Inc 350 Orchard Ave NE North Canton OH 44720 Financial services technology 364828 16 0 0 0 0 0 0 0 0 LOAN INTEREST INCOME 522130 28049267 28049267 0 0 FEES & INTERCHANGE INCOME 522130 5450269 5385903 64366 0 MORTGAGE LENDING INCOME 522130 1763162 1763162 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35262698 2857021 2857021 0 0 0 0 0 0 0 0 0 0 123052 0 66417 0 56635 0 56635 56635 0 0 1912118 1088797 1947125 707314 -35007 381483 346476 346476 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 SPLIT DOLLAR LOAN INCOME 522130 429713 429713 0 0 LOAN INSURANCE SALES 522130 215762 215762 0 0 WEALTH MANAGEMENT 522130 202064 181292 20772 0 1783470 1476408 307062 0 2631009 41153839 40761639 392200 0 0 0 20000 20000 0 0 351 351 2927134 2927134 0 0 0 0 0 0 7451181 7451181 0 0 370327 370327 0 0 1316417 1316417 0 0 740670 740670 0 0 0 0 0 0 72360 72360 0 0 103585 103585 0 0 0 0 0 0 0 0 16317 16317 0 0 401053 401053 0 0 1515204 1515204 0 0 1386500 1386500 0 0 1699609 1699609 0 0 0 0 0 0 1210647 1210647 0 0 44800 44800 0 0 0 0 0 0 132801 132801 0 0 6761312 6761312 0 0 0 0 0 0 1214110 1214110 0 0 143781 143781 0 0 Card Services 2340229 2340229 0 0 Provision for Loan Loss 1527918 1527918 0 0 Loan Program Expenses 484533 484533 0 0 Federal & State Supervisory Fees 121543 121543 0 0 854906 854906 0 0 32857288 32857288 0 0 0 0 0 0 3733888 3754426 45582329 54495663 0 5000 566683 1724848 15101528 16792072 0 0 546909993 573358165 0 0 386961 709622 29237201 12212387 16382756 17024814 3422594 3800383 77808248 69744418 7349280 7018582 1926794 2452992 4980216 4900874 724151270 755781859 7926729 8916991 0 0 0 0 0 0 4189178 4349887 0 0 0 0 20804595 19219837 610265297 631705229 643185799 664191944 X 0 0 0 0 80965471 91589915 80965471 91589915 724151270 755781859 8296551 2327893 0 0 0 0 X false true X true false false 0 0 0 0 true X 4986956 4986956 14129549 5909745 8219805 982274 444205 538069 5290242 3744950 1545292 3848179 2113487 1734692 17024814 FEDERAL AGENCY OBLIGATIONS 50035768 F MORTGAGE-BACKED SECURITIES GSE RESIDENTIAL 17926853 F U.S. TREASURIES 1781797 F 69744418 MEMBER SHARES 467806031 MEMBER SAVINGS AND IRA CERTIFICATES 163899198 631705229 X Part X, line 2 IT IS THE OPINION OF MANAGEMENT THAT THE CREDIT UNION HAS NO SIGNIFICANT UNCERTAIN TAX POSITIONS THAT WOULD BE SUBJECT TO CHANGE UPON EXAMINATION. Part IV, line 2b OUR ORGANIZATION MUST MAINTAIN ESCROW ACCOUNTS FOR SOME OF OUR MEMBERS AND ON MORTGAGE LOANS WE SERVICE. true SCHOLARSHIPS 15 20000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Part I Line 2 THE CREDIT UNION OPENS AN APPLICATION PERIOD WHERE PROSPECTIVE COLLEGE STUDENTS CAN APPLY FOR SCHOLARSHIP FUNDS. ONCE SELECTED THE FUNDS ARE DISBURSED TO THE COLLEGE OF CHOICE. THE APPLICANTS MUST BE A CREDIT UNION MEMBER WITH A SHARE SAVINGS ACCOUNT. X true true X true false false Vance Reinbold Chief Executive Officer 294486 0 82000 0 1050 0 0 0 34601 0 412137 0 0 0 Jonathan Griffin Chief Executive Officer 298471 0 36730 0 322 0 0 0 34635 0 370158 0 0 0 Keith Mantz Chief Retail Officer 237815 0 30645 0 1682 0 0 0 28217 0 298359 0 0 0 Bradley Shetler Chief Lending Officer 166810 0 51255 0 486 0 0 0 38293 0 256844 0 0 0 Kurt Schmidt Chief Information Officer 180038 0 33094 0 908 0 0 0 16303 0 230343 0 0 0 Ryan Monson Chief Financial Officer 164522 0 29915 0 800 0 0 0 24390 0 219627 0 0 0 Scott Bullinger Mortgage Loan Officer 72551 0 99599 0 824 0 0 0 40436 0 213410 0 0 0 Jillian Lagasse Chief Marketing & Experience Officer 136217 0 16535 0 583 0 0 0 38043 0 191378 0 0 0 Patricia Olson Vice President of Human Resources 135121 0 16923 0 580 0 0 0 32968 0 185592 0 0 0 Dustin Bitz Director of Financial Education 134481 0 14882 0 478 0 0 0 25332 0 175173 0 0 0 Thomas Ternes Market President-Central Region 116929 0 25627 0 390 0 0 0 29563 0 172509 0 0 0 Chad Williams Agricultural Vice President 137528 0 0 0 170 0 0 0 33893 0 171591 0 0 0 Sean Smith Vice President of Legal & Risk 136193 0 18753 0 496 0 0 0 12230 0 167672 0 0 0 Douglas Lee Market President-East Region 120321 0 33215 0 576 0 0 0 12499 0 166611 0 0 0 Part I Line 4a | Name :, Amount:| Keith Mantz, 50000| DEBRA GALLAGHER FORMER CEO LIFE INSURANCE X 4307604 4402152 false true true VANCE REINBOLD FORMER CEO LIFE INSURANCE X 678628 690174 false true true VANCE REINBOLD FORMER CEO LIFE INSURANCE X 10219023 10392886 false true true JONATHAN GRIFFIN PRESIDENT CEO LIFE INSURANCE X 1260831 1306859 false true true 16792071 Part VI, Line 6 The organization has members. Part VI, Line 7a Our bylaws allow the members who own the credit union to elect the governing body at the credit unions annual meeting. Part VI, Line 7b Our bylaws stipulate which decisions are reserved to or subject to approval by our members. Part VI, Line 11b The Form 990 is completed by the accounting department and reviewed by the Vice President of Accounting and Chief Financial Officer. Part VI, Line 12c Annually all employees must sign a code of conduct form which includes the conflict of interest policy. Part VI, Line 15 The credit unions board of directors determine the CEOs salary and approves the annual salary budget. The CEOs salary and all other employee compensation is based on several factors including comparable data. Part VI, Line 19 The documents are available upon request by our members. Part VI, line 9 | Name of the person:, Address of the person:| Vance Reinbold, 2621 Atlas Drive, Bismarck, ND, 58503| Keith Mantz, 1819 N 26th St, Bismarck, ND, 58501-1169| Patricia Olson, 805 E LaSalle Drive, Bismarck, ND, 58503| Dustin Bitz, 2823 E Calgary Ave, Bismarck, ND, 58503| CCU FINANCIAL SERVICES LLC 204 W THAYER AVE BISMARCK ND 58501 203055779 CREDIT UNION SERVICE ORGANIZATION ND 181848 981998 CAPITAL CREDIT UNION