2025-11-12T11:02:53-05:00 2024-12-31 461065712 BRENT WOOKEY CPA PO BOX 1512 LA CROSSE WI 546021512 990 2024-01-01 410225925 NORTHERN COMMUNITIES CREDIT UNION NORT 2182793200 3311 WEST ARROWHEAD ROAD DULUTH MN 55811 TRINA HOFF PRESIDENT/CEO 2182793200 2025-11-03 true true BRENT WOOKEY CPA P00062439 6087920843 2025-11-12 X 2024 2025-03-06 01:10:19Z TRINA HOFF 3311 WEST ARROWHEAD ROAD DULUTH MN 55811 7330947 false X NCCYOU.COM X 1928 MN TO PROMOTE MEMBER SUCCESS BY MEETING THEIR CHANGING FINANCIAL NEEDS. 9 9 37 6006 5375 8000 5451372 6977460 687997 312462 44731 15587 6189475 7313509 10296 6904 0 1973291 2273930 0 0 3082489 3821864 5066076 6102698 1123399 1210811 101562045 108506640 90463123 96196907 11098922 12309733 TO PROMOTE MEMBER SUCCESS BY MEETING THEIR CHANGING FINANCIAL NEEDS. false false THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 1,372 NEW DEPOSIT ACCOUNTS IN 2024. AS OF 12/31/24 WE HAD 6,772 MEMBERS. THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 1,401 NEW LOANS DURING 2024. AS OF 12/31/24 WE HAD 80,007 LOANS RECEIVABLE. . false false false false false false false true false true false false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true 1981 0 37 true true true false false false false false false false X 9 9 false false false false true true true true true false false false true true false true true true false false X TRINA HOFF 2182793200 3311 WEST ARROWHEAD ROAD DULUTH MN 55811 TRINA HOFF PRESIDENT/CE 40.00 X 332557 0 79818 ANITTA CHANDLER COO 40.00 X 165039 0 28198 SHANNON LUNDQUIST VP LENDING 40.00 X 137101 0 26966 DIRK DAVIS VICE CHAIR 0.50 X X 2136 0 66 JOHN LINDQUIST DIRECTOR 0.50 X 1259 0 66 GEORGE WALTERS DIRECTOR 0.50 X 996 0 66 SHAWN HERHUSKY CHAIR 0.50 X X 484 0 66 KAREN ERICKSON DIRECTOR 0.50 X 465 0 66 JAMES KROLL DIRECTOR 0.50 X 409 0 66 RUTH HEMMING SECRETARY 0.50 X X 328 0 66 CHARLES SCHUMACHER DIRECTOR 0.50 X 283 0 66 ROBERT MCCUBBIN DIRECTOR 0.50 X 234 0 66 641291 135576 3 false true false CU COOP SYSTEMS INC 9692 HAVEN AVE RANCHO CUCAMONGA CA 91730 CARD PROCESSING 305000 SHARE ONE INC 2650 THOUSAND OAKS BLVD STE 1120 MEMPHIS TN 38118 CORE SYS SOFTWR 217177 2 8000 8000 INTEREST ON LOANS 522130 5726904 5726904 OTHER MEMBER RELATED REVENUE 522130 757944 757944 MEMBER FEE INCOME 522130 486606 486606 FEE & INSURANCE REVENUE 520000 6006 6006 6977460 320987 320987 11587 11587 4000 4000 4000 4000 8913 17438 -8525 -8525 -8525 7313509 6962929 6006 336574 5884 1020 641291 1128789 116373 247719 139758 325 29624 160011 114677 852702 213127 191526 128505 17983 220738 56143 LOAN SERVICING 686116 DIVIDEND EXPENSE 600531 LOAN LOSS EXPENSE 549856 6102698 0 0 0 842059 885613 5945588 9918088 10003 6412 82700707 89643363 692082 618884 5156029 2739917 2404060 2416112 5980630 1901730 2986916 3116438 101562045 108506640 1100339 1224601 21719 14249 930915 88410150 94958057 90463123 96196907 X 11098922 12309733 11098922 12309733 101562045 108506640 1210811 X false false false true X 367315 367315 3422376 1630771 1791605 1366338 1109146 257192 2416112 MEMBER SHARES & DEPOSITS 94939435 DEFERRED COMP PAYABLE 18480 LEASE LIABILITY 14391 ESCROW ACCOUNTS TO LINE 21 BAL SHEET -14249 94958057 SCHEDULE D, PAGE 2, PART IV, LINE 2B THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS. X X X X false true false TRINA HOFF PRESIDENT/CEO 170701 22500 139356 48716 31102 412375 139188 ANITTA CHANDLER COO 111703 9000 44336 25434 2764 193237 42968 SHANNON LUNDQUIST VP LENDING 91735 7700 37666 13599 13367 164067 37498 SCHEDULE J, PAGE 1, PART I, LINE 4 TRINA HOFF 0 34,800 0 ANITTA CHANDLER 0 11,160 0 SHANNON LUNDQUIST 0 9,480 0 SCHEDULE J, PART III THE PRESIDENT/CEO, THE COO, AND THE VP LENDING PARTICIPATE IN A 457(F) PLAN. THE AMOUNTS SHOWN ABOVE ARE THE CONTRIBUTIONS TO THE PLAN FOR THIS CALENDAR YEAR. THESE INDIVIDUALS ALSO RECEIVED DISTRIBUTIONS FROM THE PLAN DURING 2024. THE AMOUNTS ARE SHOWN IN PART II, COLUMN F. 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 MANAGEMENT GATHERS INFORMATION NECESSARY TO PREPARE RETURN AND PROVIDES THE DATA TO INDEPENDENT CPA WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN. FORM 990, PAGE 6, PART VI, LINE 15A THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT/CEO COMPENSATION. THIS APPROVAL IS NOTED IN THE BOARD MINUTES. A CUNA SALARY SURVEY IS USED AS PART OF THE PROCESS. FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST.