COLLINS COMMUNITY CREDIT UNION: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: COLLINS COMMUNITY CREDIT UNION (EIN 42-0190489)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-11-07
IRS object ID: 201943119349300819
Schema version: 2018v3.1
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
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-11-07T08:24:59-06:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	382492570	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	DOEREN MAYHEW	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	305 WEST BIG BEAVER ROAD	AddressLine1Txt
City	TROY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48084	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2018-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	420190489	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	COLLINS COMMUNITY CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	COLL	BusinessNameControlTxt
Phone	3193939000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 10500	AddressLine1Txt
City	CEDAR RAPIDS	CityNm
State Abbreviation	IA	StateAbbreviationCd
ZIP	52410	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	BENJAMIN WICKUM	PersonNm
Person Title	CHIEF FINANCIAL OFFICER	PersonTitleTxt
Phone	3193939000	PhoneNum
Signature	2019-11-06	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JOSEPH A ZITO CPA	PreparerPersonNm
PTIN	P00648440	PTIN
Phone	2482443000	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	104.11.88.150	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-11-06	IPDt
IP Tm	14:20:08	IPTm
IP Timezone	ES	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	A7DB26C3BB201601930FCFA0C4651552B54C26A2	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2020-03-31 21:24:44Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	STEFANIE RUPERT	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 10500	AddressLine1Txt
City	CEDAR RAPIDS	CityNm
State Abbreviation	IA	StateAbbreviationCd
ZIP	52410	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$64,097,417	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.COLLINSCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1940	FormationYr
Legal Domicile State	IA	LegalDomicileStateCd
Activity Or Mission	OUR MISSION IS TO DEVOTE OURSELVES TO FINANCIAL SUCCESS FOR ALL.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	393	TotalEmployeeCnt
Total Volunteers	10	TotalVolunteersCnt
Total Gross UBI	$117,212	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$42,131	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$54,481,257	PYProgramServiceRevenueAmt
CY Program Service Revenue	$60,384,214	CYProgramServiceRevenueAmt
PY Investment Income	$2,990,142	PYInvestmentIncomeAmt
CY Investment Income	$3,595,991	CYInvestmentIncomeAmt
PY Other Revenue	$112,685	PYOtherRevenueAmt
CY Other Revenue	$117,212	CYOtherRevenueAmt
PY Total Revenue	$57,584,084	PYTotalRevenueAmt
CY Total Revenue	$64,097,417	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$20,687,522	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$22,108,476	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$30,409,300	PYOtherExpensesAmt
CY Other Expenses	$39,876,783	CYOtherExpensesAmt
PY Total Expenses	$51,096,822	PYTotalExpensesAmt
CY Total Expenses	$61,985,259	CYTotalExpensesAmt
PY Revenues Less Expenses	$6,487,262	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,112,158	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,086,497,827	TotalAssetsBOYAmt
Total Assets EOY	$1,316,535,556	TotalAssetsEOYAmt
Total Liabilities BOY	$990,695,001	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,217,437,325	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$95,802,826	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$99,098,231	NetAssetsOrFundBalancesEOYAmt
Mission	OUR MISSION IS TO DEVOTE OURSELVES TO FINANCIAL SUCCESS FOR ALL.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	FINANCIAL DEPOSIT, LOAN AND SERVICE ACCOUNTS.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (1)	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	45597	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	393	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	FINANCE DEPARTMENT - COLLINS CCU	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	3193939000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 10500	AddressLine1Txt
City	CEDAR RAPIDS	CityNm
State Abbreviation	IA	StateAbbreviationCd
ZIP	52410	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (19 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
MARSHA SCHULTE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
WILLIAM KOOISTRA
DIRECTOR	1.00	Yes (X)	$0	$0	$0
TOM MANOR
DIRECTOR	1.00	Yes (X)	$0	$0	$0
LISA THOMPSON
DIRECTOR	1.00	Yes (X)	$0	$0	$0
KARL CASSELL
DIRECTOR	1.00	Yes (X)	$0	$0	$0
JON BUSE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
SUE NELSON
DIRECTOR	1.00	Yes (X)	$0	$0	$0
JENNIFER RUPPERT
DIRECTOR	1.00	Yes (X)	$0	$0	$0
HEATHER FRIEDMAN
DIRECTOR	0.00	Yes (X)	$0	$0	$0
STEFANIE RUPERT
PRESIDENT/CEO	40.00		$481,222	$0	$45,332	Yes (X)
BENJAMIN WICKUM
CFO	40.00		$229,456	$0	$29,851	Yes (X)
JACK EMKES
SENIOR VP	40.00		$252,061	$0	$38,242		Yes (X)
SCOTT FROST
CHIEF LENDING OFFICER	40.00		$194,145	$0	$39,823		Yes (X)
JOHN LEWIS
VP/IT AND FACILITIES	40.00		$175,364	$0	$32,408		Yes (X)
DANA GOSHON
MORTGAGE LOAN OFFICER	40.00		$222,332	$0	$35,085			Yes (X)
AMBER MATSON
MORTGAGE LOAN OFFICER	40.00		$182,103	$0	$30,480			Yes (X)
THOMAS AXVIG
MORTGAGE LOAN OFFICER	40.00		$172,726	$0	$33,989			Yes (X)
SANDRA VAUGHAN
SENIOR VP	40.00		$163,484	$0	$24,465			Yes (X)
JASON BEARD
VP CONSUMER LENDING	40.00		$168,899	$0	$15,772			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,241,792	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$325,447	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	24	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
75 REMITTANCE DRIVE STE 6974	CHICAGO	IL	606756974	CORE PROCESSOR	$2,838,452
WELLMARK
PO BOX 10353	DES MOINES	IA	503060353	MEDICAL INSURANCE	$1,712,389
NEW YORK LIFE
PO BOX 742545	CINNCINNATI	OH	452742545	INSURANCE POLICIES FOR SENIOR STAFF	$1,602,284
MASS MUTUAL
1295 STATE STREET	SPRINGFIELD	MA	011110001	INSURANCE POLICIES FOR SENIOR STAFF	$1,324,058
LOCKTON COMPANIES
PO BOX 123036	DALLAS	TX	753123036	INSURANCE FOR I LOANS	$1,278,985

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	31	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INCOME ON LOANS	522100	$44,947,261	$44,947,261
FEES/CHARGES/OTHER INCOME	522100	$15,436,953	$15,436,953

Field	Value	IRS element (for citing)
Total Program Service Revenue	$60,384,214	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,595,991	TotalRevenueColumnAmt
Exclusion	$3,595,991	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	NON MEMBER ATM INCOME	Desc
Business	900099	BusinessCd
Total Revenue Column	$117,212	TotalRevenueColumnAmt
Unrelated Business Revenue	$117,212	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$117,212	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$64,097,417	TotalRevenueColumnAmt
Related Or Exempt Func Income	$60,384,214	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$117,212	UnrelatedBusinessRevenueAmt
Exclusion	$3,595,991	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	$1,517,904	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$16,023,073	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,514,792	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,771,491	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,281,216	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$136,871	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$423,645	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$2,006,862	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,415,033	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,428,736	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$2,096,553	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,531,981	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$64,894	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$5,549	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$14,389,336	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$199,837	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,680,002	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$190,666	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$4,623,424
LOAN SERVICING	$4,110,400
DEBIT AND CREDIT EXPENS	$1,720,315
MISCELLANEOUS	$787,848

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,064,831	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$61,985,259	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$8,942,167	BOYAmt
EOY	$8,691,401	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$56,502,330	BOYAmt
EOY	$31,558,371	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,811,463	BOYAmt
EOY	$658,587	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$7,861,056	BOYAmt
EOY	$10,787,224	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$953,374,140	BOYAmt
EOY	$1,142,173,449	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$3,983,710	BOYAmt
EOY	$4,266,810	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$36,926,574	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$16,937,758	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$16,799,371	BOYAmt
EOY	$19,988,816	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$14,571,625	BOYAmt
EOY	$63,581,358	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$5,938,512	BOYAmt
EOY	$14,329,203	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$16,713,453	BOYAmt
EOY	$20,500,337	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,086,497,827	BOYAmt
EOY	$1,316,535,556	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$15,592,835	BOYAmt
EOY	$13,742,504	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$25,000,000	BOYAmt
EOY	$225,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$950,102,166	BOYAmt
EOY	$978,694,821	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$990,695,001	BOYAmt
EOY	$1,217,437,325	EOYAmt

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

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

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

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

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

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$95,802,826	BOYAmt
EOY	$99,098,231	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$95,802,826	BOYAmt
EOY	$99,098,231	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,086,497,827	BOYAmt
EOY	$1,316,535,556	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$2,112,158	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$569,403	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$1,752,650	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,703,801	OtherCostOrOtherBasisAmt
Book Value	$8,703,801	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$15,558,641	OtherCostOrOtherBasisAmt
Depreciation	$7,086,101	DepreciationAmt
Book Value	$8,472,540	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,814,702	OtherCostOrOtherBasisAmt
Depreciation	$1,979,812	DepreciationAmt
Book Value	$834,890	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,849,430	OtherCostOrOtherBasisAmt
Depreciation	$7,871,845	DepreciationAmt
Book Value	$1,977,585	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$19,988,816	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (5 entries)

DescDesc	AmtAmt
SHARE ACCOUNTS	$151,708,143
MONEY MARKET ACCOUNTS	$241,842,511
IRA	$8,380,662
SHARE DRAFT ACCOUNTS	$189,724,836
CD AND IRA CD	$387,038,669

Field	Value	IRS element (for citing)
Total Liability	$978,694,821	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION IS EXEMPT, BY STATUTE (IRC SECTION 501(C)14), FROM FEDERAL AND STATE INCOME TAXES. THE CUSOS ARE ORGANIZED AS LIMITED LIABILITY COMPANIES (LLCS). 1150 PROPERTIES, LLC AND COLLINS HOLDING COMPANY, LLC HAVE BEEN ORGANIZED AS SINGLE-OWNER LLCS AND ARE CONSIDERED DISREGARDED ENTITIES FOR TAX PURPOSES. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES THEY HAVE DEEMED TAXABLE. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES, AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2018 AND 2017. THE CREDIT UNION'S 2015 THROUGH 2018 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Idemnification Gross Up Pmts	Yes (X)	IdemnificationGrossUpPmtsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (10 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
STEFANIE RUPERT
PRESIDENT/CEO	$343,465	$0	$110,548	$0	$27,209	$0	$24,750	$0	$20,582	$0	$526,554	$0	$0	$0
BENJAMIN WICKUM
CFO	$193,785	$0	$35,073	$0	$598	$0	$19,144	$0	$10,707	$0	$259,307	$0	$0	$0
JACK EMKES
SENIOR VP	$152,288	$0	$99,046	$0	$727	$0	$22,976	$0	$15,266	$0	$290,303	$0	$0	$0
SCOTT FROST
CHIEF LENDING OFFICER	$151,606	$0	$30,438	$0	$12,101	$0	$17,270	$0	$22,553	$0	$233,968	$0	$0	$0
JOHN LEWIS
VP/IT AND FACILITIES	$147,050	$0	$27,612	$0	$702	$0	$15,388	$0	$17,020	$0	$207,772	$0	$0	$0
DANA GOSHON
MORTGAGE LOAN OFFICER	$88,702	$0	$133,555	$0	$75	$0	$19,502	$0	$15,583	$0	$257,417	$0	$0	$0
AMBER MATSON
MORTGAGE LOAN OFFICER	$59,628	$0	$122,395	$0	$80	$0	$16,560	$0	$13,920	$0	$212,583	$0	$0	$0
THOMAS AXVIG
MORTGAGE LOAN OFFICER	$57,914	$0	$114,750	$0	$62	$0	$15,130	$0	$18,859	$0	$206,715	$0	$0	$0
SANDRA VAUGHAN
SENIOR VP	$135,881	$0	$26,970	$0	$633	$0	$13,997	$0	$10,468	$0	$187,949	$0	$0	$0
JASON BEARD
VP CONSUMER LENDING	$68,115	$0	$100,684	$0	$100	$0	$14,723	$0	$1,049	$0	$184,671	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4	FormAndLineReferenceDesc
Explanation	STEFANIE RUPERT (CEO) PARTICIPATES IN A 457(B) RETIREMENT PLAN TO WHICH SHE DEFERRED APPROXIATELY $15,000 IN 2018. THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS TO THE STEPHANIE, RUPERT, BEN WICKUM, JACK EMKES, SCOTT FROST, SANDRA VAUGHN, AND JOHN LEWIS THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR." AT SPECIFIED TIMES, THE PARTICIPANTS MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE UNDERLYING LIFE INSURANCE POLICY TO SUPPLEMENT RETIREMENT INCOME. THESE DRAWS ARE TAX FREE FOR THE PARTICIPANTS. UPON THE PARTICIPANT'S DEATH THE CREDIT UNION RECOVERS ITS PREMIUMS PLUS INTEREST, PLUS KEY-PERSON INSURANCE PROCEEDS.	ExplanationTxt

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
RICK BENHART
CEO	TO FUND LIFE INSURANCE POLICY	Yes (X)	$2,837,547	$2,837,547	0	Yes (1)	Yes (1)
RICK BENHART
CEO	TO FUND LIFE INSURANCE POLICY	Yes (X)	$784,000	$784,000	0	Yes (1)	Yes (1)
STEFANIE RUPERT
COO	TO FUND LIFE INSURANCE POLICY	Yes (X)	$1,560,223	$1,560,223	0	Yes (1)	Yes (1)
STEFANIE RUPERT
COO	TO FUND LIFE INSURANCE POLICY	Yes (X)	$339,525	$339,525	0	Yes (1)	Yes (1)
JOHN LEWIS
IT DIRECTOR	TO FUND LIFE INSURANCE POLICY	Yes (X)	$669,899	$669,899	0	Yes (1)	Yes (1)
SCOTT FROST
CHIEF LENDING OFFICER	TO FUND LIFE INSURANCE POLICY	Yes (X)	$911,248	$911,248	0	Yes (1)	Yes (1)
SANDRA VAUGHAN
SENIOR VP	TO FUND LIFE INSURANCE POLICY	Yes (X)	$791,372	$791,372	0	Yes (1)	Yes (1)
BRUCE TAYLOR
CONSUMER LENDING DIRECTOR	TO FUND LIFE INSURANCE POLICY	Yes (X)	$759,280	$759,280	0	Yes (1)	Yes (1)
JACK EMKES
SENIOR VP	TO FUND LIFE INSURANCE POLICY	Yes (X)	$1,288,787	$1,288,787	0	Yes (1)	Yes (1)
BEN WICKUM
CFO	TO FUND LIFE INSURANCE POLICY	Yes (X)	$845,343	$845,343	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$10,787,224	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

SCHEDULE L, PART II, LOANS TO AND FROM INTERESTED PERSONS:

(A) NAME OF PERSON: RICHARD BENHART(B) RELATIONSHIP WITH ORGANIZATION: PRESIDENT/CEO(C) PURPOSE OF LOAN: INSURANCE PREMIUM(A) NAME OF PERSON: STEFANIE RUPERT(C) PURPOSE OF LOAN: INSURANCE PREMIUM(A)NAME OF PERSON: RICHARD BENHART(B)RELATIONSHIP WITH ORGANIZATION: PRESIDENT/CEO(C)PURPOSE OF LOAN: INSURANCE PREMIUM(A) NAME OF PERSON: STEFANIE RUPERT(C) PURPOSE OF LOAN: INSURANCE PREMIUM(A)NAME OF PERSON: SCOTT FROST(B)RELATIONSHIP WITH ORGANIZATION: CHIEF LENDING OFFICER(C)PURPOSE OF LOAN: INSURANCE PREMIUM{A)NAME OF PERSON: SANDRA VAUGHAN(B)RELATIONSHIP WITH ORGANIZATION: SENIOR VICE PRESIDENT(C)PURPOSE OF LOAN: INSURANCE PREMIUM{A) NAME OF PERSON: JACK EMKES{B) RELATIONSHIP WITH ORGANIZATION: SENIOR VICE PRESIDENT{C) PURPOSE OF LOAN: INSURANCE PREMIUM(A)NAME OF PERSON: BEN WICKUM(B)RELATIONSHIP WITH ORGANIZATION: CHIEF FINANCIAL OFFICER(C)PURPOSE OF LOAN: INSURANCE PREMIUM

FORM 990, SCH L, PART II

THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR." ALTHOUGH THE IRS REQUIRES REPORTING IN PART II AS A LOAN TO AN INTERESTED PARTY, THIS IS NOT AN ACTUAL LOAN. THERE IS NO TRANSFER OF FUNDS TO THE PARTICIPANTS NOR AN OBLIGATION TO REPAY THE FUNDS. INSTEAD THE CREDIT UNION RECOVERS ANY OUTLAYS, PLUS INTEREST, FROM THE UNDERLYING POLICY. THAT IS, THE CREDIT UNION DEPOSITS FUNDS DIRECTLY INTO A LIFE INSURANCE POLICY TO ENSURE REPAYMENT. AT SPECIFIED TIMES, THE PARTICIPANTS MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE POLICY TO SUPPLEMENT RETIREMENT INCOME. THE BORROWINGS ARE MONITORED TO ENSURE THE POLICY WILL PAY A DEATH BENEFIT AT LEAST SUFFICIENT TO COVER THE CREDIT UNION'S OUTLAYS PLUS INTEREST. ANY REMAINING DEATH BENEFITS ARE DIVIDED BETWEEN THE CREDIT UNION AND THE PARTICIPANT'S BENEFICIARIES AS AGREED UPON.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS INTERNAL AND EXTERNAL MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERSHIP ELECTS THE BOARD MEMBERS AT THE CREDIT UNION'S ANNUAL MEETING.
FORM 990, PART VI, SECTION A, LINE 7B	THE MEMBERS HAVE THE RIGHTS AND THE RESPONSIBILITY TO APPROVE THE ORGANIZATION'S MINUTES DURING THE ANNUAL MEETING.
FORM 990, PART VI, SECTION B, LINE 11B	THE FORM WILL BE REVEIWED BY THE PRESIDENT/CEO.
FORM 990, PART VI, SECTION B, LINE 12C	ALL NEW EMPLOYEES AND BOARD OF DIRECTORS MUST READ AND SIGN A CREDIT UNION BRIBERY POLICY THAT OUTLINES EMPLOYEE AND DIRECTOR CODE OF CONDUCT AND REQUIRES DISCLOSURE OF ANY CONFLICTS OF INTEREST.
FORM 990, PART VI, SECTION B, LINE 15	THE CEO'S PERFORMANCE IS REVIEWED ANNUALLY BY THE BOARD. THE BOARD THEN SETS A REASONABLE COMPENSATION FOR THE CEO BASED ON HIS PERFORMANCE REVIEW. COMPENSATION FOR OTHER OFFICERS AND KEY EMPLOYEES IS THEN DETERMINED BY THE CEO BASED ON PERFORMANCE REVIEWS AND COMPETITORS COMPARISONS. THE CEO USES CREDIT UNION NATIONAL ASSOCIATION (CUNA) WAGES SURVEYS, OTHER MARKET SURVEYS AND 990 REPORTS FROM COMPARABLE ORGANIZATIONS WHEN DETERMINING COMPENSATION OF THE OTHER OFFICERS AND KEY EMPLOYEES.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION RELEASES ITS ANNUAL FINANCIAL STATEMENTS TO ALL OF ITS MEMBERS AND EMPLOYEES AT THE ANNUAL MEETING. THE ORGANIZATION'S ANNUAL REPORT AS WELL AS A COPY OF THE MOST UPDATED CONFLICT OF INTEREST POLICY OR FINANCIAL STATEMENTS IS AVAILABLE TO MEMBERS AND THE PUBLIC UPON REQUEST
FORM 990, PART IX, LINE 24E	ATM EXPENSES 783,496. MAINTENANCE AND EQUIP RENTAL 730,499. TRAINING/EDUCATION 550,836.
FORM 990, PART XI, LINE 9:	CAPITAL CONTRIBUTION 1,488,400. RECLASSIFICATION FOR LOSSES INCLUDED IN NET INCOME - DEFINED BENEFIT PLAN 280,997. UNREALIZED LOSS INCURRED DURING THE PERIOD - DEFINED BENEFIT PLAN -572,523. UNREALIZED GAIN INCURRED DURING THE PERIOD - POSTRETIREMENT PLAN 553,331. RECLASSIFICATION FOR LOSSES INCLUDED IN NET INCOME - POSTRETIREMENT PLAN 2,445.
FORM 990, PART XII, LINE 2C:	THE CREDIT UNION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	1150 PROPERTIES LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1150 42ND ST NE	AddressLine1Txt
City	CEDAR RAPIDS	CityNm
State Abbreviation	IA	StateAbbreviationCd
ZIP	52402	ZIPCd

Field	Value	IRS element (for citing)
EIN	420190489	EIN
Primary Activities	PROPERTY MANAGEMENT, SERVICES FOR SELECT PROPERTIES	PrimaryActivitiesTxt
Legal Domicile State	IA	LegalDomicileStateCd
Total Income	$195	TotalIncomeAmt
End Of Year Assets	$6,136,594	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	COLLINS COMMUNITY CU	BusinessNameLine1Txt