BLAZE CREDIT UNION: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: BLAZE CREDIT UNION (EIN 41-0585825)
Tax period: 2017-01-01 to 2017-12-31
Filed: 2018-11-14
IRS object ID: 201803189349304955
Schema version: 2017v2.3
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 O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2018-11-14T11:50:32-06:00	ReturnTs
Tax Period End	2017-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	410746749	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	CLIFTONLARSONALLEN LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 217	AddressLine1Txt
City	AUSTIN	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55912	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2017-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	410585825	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	SPIR	BusinessNameControlTxt
Phone	6512153500	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2025 LARPENTEUR AVE W	AddressLine1Txt
City	FALCON HEIGHTS	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55113	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JON SEEMAN	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	6512153500	PhoneNum
Signature	2018-11-09	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	TANYA MEDGAARDEN	PreparerPersonNm
PTIN	P01717240	PTIN
Phone	5074347000	PhoneNum
Preparation	2018-11-06	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	67.137.57.251	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2018-11-09	IPDt
IP Tm	10:54:07	IPTm
IP Timezone	CS	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	967DCA4FABF3D6C7AE4D014617AEEE9CE601AE20	AtSubmissionCreationDeviceId
At Submission Filing Device Id	70545651873736B39CE34854CE8383AE7E7A4B44	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2019-02-21 02:37:17Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Initial Return	Yes (X)	InitialReturnInd
Principal Officer	DAN STOLTZ	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2025 LARPENTEUR AVE W	AddressLine1Txt
City	FALCON HEIGHTS	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55113	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$70,639,729	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.MYSPIRE.COM	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Other Organization Dsc	CU	OtherOrganizationDsc
Formation	1934	FormationYr
Legal Domicile State	MN	LegalDomicileStateCd
Activity Or Mission	TO IMPROVE THE FINANCIAL WELL BEING OF OUR MEMBER-OWNERS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	8	VotingMembersIndependentCnt
Total Employee	317	TotalEmployeeCnt
Total Volunteers	8	TotalVolunteersCnt
Total Gross UBI	$282,881	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$136,209	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$34,742,167	PYProgramServiceRevenueAmt
CY Program Service Revenue	$41,188,050	CYProgramServiceRevenueAmt
PY Investment Income	$3,260,708	PYInvestmentIncomeAmt
CY Investment Income	$2,801,649	CYInvestmentIncomeAmt
PY Other Revenue	$138,074	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$38,140,949	PYTotalRevenueAmt
CY Total Revenue	$43,989,699	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$1,648,423	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$1,647,759	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$14,643,273	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$16,861,425	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$17,770,504	PYOtherExpensesAmt
CY Other Expenses	$20,174,682	CYOtherExpensesAmt
PY Total Expenses	$34,062,200	PYTotalExpensesAmt
CY Total Expenses	$38,683,866	CYTotalExpensesAmt
PY Revenues Less Expenses	$4,078,749	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$5,305,833	CYRevenuesLessExpensesAmt
Total Assets BOY	$893,889,886	TotalAssetsBOYAmt
Total Assets EOY	$979,607,332	TotalAssetsEOYAmt
Total Liabilities BOY	$815,856,979	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$893,095,072	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$78,032,907	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$86,512,260	NetAssetsOrFundBalancesEOYAmt
Mission	SPIRE CREDIT UNION IS A FINANCIAL COOPERATIVE COMMITTED TO PROVIDING COMPETITIVE, QUALITY FINANCIAL SERVICES WITH EMPHASIS ON SAFETY, SOUND OPERATIONS AND RESPECT FOR OUR MEMBERS AND EMPLOYEES. OUR PURPSOE: TO IMPROVE THE FINANCIAL WELL BEING OF OUR MEMBER-OWNERS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDING SAVINGS DEPOSIT SERVICES, CHECKING ACCOUNTS, ORIGINATING NEW LOANS, AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	DIVIDENDS PAID TO MEMBERS ON 202,970 DEPOSIT ACCOUNTS HELD BY 98,321 MEMBERS TOTALING $1,647,759.42	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING MEMBERS ACCESS TO THEIR ACCOUNTS VIA HOME BANKING, ATM NETWORKS, AND IN PERSON AT THE CU OFFICE.	Desc

Field	Value	IRS element (for citing)
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	Yes (1)	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	0	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	0	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	0	DisregardedEntityInd
Related Entity	Yes (1)	RelatedEntityInd
Related Organization Ctrl Ent	Yes (1)	RelatedOrganizationCtrlEntInd
Transaction With Control Ent	0	TransactionWithControlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	22645	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	317	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
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	8	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	0	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	JON SEEMAN	PersonNm
Phone	6512153500	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2025 LARPENTUER AVE W	AddressLine1Txt
City	FALCON HEIGHTS	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55113	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (15 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
TOM HEINZEN
CHAIR	1.00	Yes (X)	$0	$0	$0
RON GLASGOW
VICE CHAIR	1.00	Yes (X)	$0	$0	$0
LYNN KOTHE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
LEE BRUCKER
SECRETARY	1.00	Yes (X)	$0	$0	$0
TOM HIRTE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
JIM TAGLIA
DIRECTOR	1.00	Yes (X)	$0	$0	$0
BOB OEHRLEIN
DIRECTOR	1.00	Yes (X)	$0	$0	$0
CARL ANDERSON
DIRECTOR	1.00	Yes (X)	$0	$0	$0
DAN STOLTZ
CEO	40.00	Yes (X)	$818,776	$0	$39,394	Yes (X)
JON SEEMAN
CFO	40.00		$223,235	$0	$25,157	Yes (X)
STAN EDWARDS
COO/EVP	40.00		$373,277	$0	$30,071		Yes (X)
CLIFF WANTZ
VP OF LENDING	40.00		$218,650	$0	$39,013		Yes (X)
JAMES GANGER
VP MEMBER PTSP DEVELOP.	40.00		$187,450	$0	$22,000		Yes (X)
JANNA LIPSTEIN
VP/CHIEF INFORMATION OFFICER	40.00		$153,001	$0	$23,756		Yes (X)
CASEY CARLSON
VP OF MARKETING AND DEVELOPMENT	40.00		$151,687	$0	$16,801		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,126,076	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$196,192	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	18	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
JACK HENRY AND ASSOCIATES
PO BOX 609	MONETT	MO	55708	SOFTWARE SALES	$772,858
IAN-INTEGRATED ADV CO
3948 WEST 50TH FRANCE SUITE 212	EDINA	MN	55424	ADVERTISING	$750,243
GREINER
121 SOUTH 8TH STREET	MINNEAPOLIS	MN	55402	CONSTRUCTION CONTRACTOR	$469,323
CORNERSTONE
7272 E INDIAN SCHOOL ROAD	SCOTTSDALE	AR	55420	CONSULTANTS	$412,574
SPC SECURITY
4005 PHEASANT RIDGE DR NE	BLAINE	MN	55449	SECURITY	$409,480

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

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	900099	$24,535,053	$24,327,753	$207,300
OTHER OPERATING INCOME	900099	$10,216,480	$10,216,480
FEE INCOME	522100	$6,436,517	$6,360,936	$75,581

Field	Value	IRS element (for citing)
Total Program Service Revenue	$41,188,050	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,533,978	TotalRevenueColumnAmt
Exclusion	$2,533,978	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$26,726,834	SecuritiesAmt
Other	$190,867	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$26,531,804	SecuritiesAmt
Other	$118,226	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$195,030	SecuritiesAmt
Other	$72,641	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$267,671	TotalRevenueColumnAmt
Exclusion	$267,671	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$43,989,699	TotalRevenueColumnAmt
Related Or Exempt Func Income	$40,905,169	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$282,881	UnrelatedBusinessRevenueAmt
Exclusion	$2,801,649	ExclusionAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$1,647,759	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,106,562	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$11,210,798	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$3,459,063	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,085,002	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$56,924	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$29,052	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,174,880	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,248,807	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$331,824	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$176,737	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$2,349,383	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$15,610	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROFESSIONAL & OUTSIDE	$3,207,305
EDUCATIONAL & PROMOTION	$2,456,276
LOAN SERVICING EXPENSES	$1,890,967
PROVISION FOR LOAN LOSS	$1,317,300

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$919,617	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$38,683,866	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$4,481,155	BOYAmt
EOY	$5,437,637	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$70,649,261	BOYAmt
EOY	$46,207,866	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$758,645	BOYAmt
EOY	$612,452	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$603,503,349	BOYAmt
EOY	$753,966,448	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,290,652	BOYAmt
EOY	$1,317,348	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$61,283,024	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$23,404,908	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$38,349,739	BOYAmt
EOY	$37,878,116	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$63,536,032	BOYAmt
EOY	$42,088,660	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$75,804,542	BOYAmt
EOY	$59,692,324	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$35,516,511	BOYAmt
EOY	$32,406,481	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$893,889,886	BOYAmt
EOY	$979,607,332	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$7,174,349	BOYAmt
EOY	$10,745,513	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$808,682,630	BOYAmt
EOY	$882,349,559	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$815,856,979	BOYAmt
EOY	$893,095,072	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	$78,032,907	BOYAmt
EOY	$86,512,260	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$78,032,907	BOYAmt
EOY	$86,512,260	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$893,889,886	BOYAmt
EOY	$979,607,332	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$5,305,833	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$227,104	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$3,400,624	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	0	FSAuditedInd
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	$15,117,349	OtherCostOrOtherBasisAmt
Book Value	$15,117,349	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$32,352,847	OtherCostOrOtherBasisAmt
Depreciation	$12,436,727	DepreciationAmt
Book Value	$19,916,120	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$114,897	OtherCostOrOtherBasisAmt
Depreciation	$17,469	DepreciationAmt
Book Value	$97,428	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,340,208	OtherCostOrOtherBasisAmt
Depreciation	$3,315,878	DepreciationAmt
Book Value	$1,024,330	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,357,723	OtherCostOrOtherBasisAmt
Depreciation	$7,634,834	DepreciationAmt
Book Value	$1,722,889	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$37,878,116	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp

Field	Value	IRS element (for citing)
Desc	SECURITIES - HTM	Desc
Book Value	$59,692,324	BookValueAmt
Method Valuation	C	MethodValuationCd

Field	Value	IRS element (for citing)
Total Book Value Securities	$59,692,324	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (7 entries)

DescDesc	AmtAmt
SHARE DRAFTS	$64,583,776
REGULAR SHARES	$451,772,010
MONEY MARKET SHARES	$242,569,345
SHARE CERTIFICATES	$72,386,179
IRA/KEOGH ACCOUNTS	$49,425,086
ALL OTHER SHARES/DEPOSITS	$1,347,957
NONMEMBER DEPOSITS	$265,206

Field	Value	IRS element (for citing)
Total Liability	$882,349,559	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	PART X: AS ALLOWED BY STATE REGULATORY AUTHORITIES, THE AUDIT IS DONE AS OF JUNE 30. THE REPORTING PERIOD FOR THE AUDIT, THEREFORE, DOES NOT MATCH THE REPORTING PERIOD FOR THE 990. PER FOOTNOTE 1 IN THE CREDIT UNION'S JUNE 30, 2017 FINANCIAL STATEMENTS, THE CREDIT UNION IS EXEMPT, UNDER IRC 501 (C) (14), FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. SPIRE CREDIT UNION CONVERTED TO A STATE CHARTERED CREDIT UNION ON JUNE 1, 2014 RESULTING IN IT BEING SUBJECT TO UNRELATED BUSINESS INCOME TAX. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF JUNE 30, 2017 AND 2016. THE CREDIT UNION'S 2016 AND 2017 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. THE CUSO (ROCHDALE AGENCY), HOWEVER, IS SUBJECT TO FEDERAL AND STATE INCOME TAXES. THE SUBSIDIARY HAS FILED TAX RETURNS IN THE PAST. THE SUBSIDIARY HAS EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF JUNE 30, 2017 AND 2016. THE SUBSIDIARY'S TAX YEARS 2013 AND FORWARD ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES.	ExplanationTxt

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	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (7 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
DAN STOLTZ
CEO	$444,657	$0	$151,360	$0	$222,759	$0	$16,050	$0	$23,344	$0	$858,170	$0	$0	$0
JON SEEMAN
CFO	$186,221	$0	$31,937	$0	$5,077	$0	$13,204	$0	$11,953	$0	$248,392	$0	$0	$0
STAN EDWARDS
COO/EVP	$150,333	$0	$64,021	$0	$158,923	$0	$16,949	$0	$13,122	$0	$403,348	$0	$0	$0
CLIFF WANTZ
VP OF LENDING	$182,764	$0	$35,410	$0	$476	$0	$12,131	$0	$26,882	$0	$257,663	$0	$0	$0
JAMES GANGER
VP MEMBER PTSP DEVELOP.	$151,198	$0	$29,610	$0	$6,642	$0	$11,020	$0	$10,980	$0	$209,450	$0	$0	$0
JANNA LIPSTEIN
VP/CHIEF INFORMATION OFFICER	$137,011	$0	$15,500	$0	$490	$0	$811	$0	$22,945	$0	$176,757	$0	$0	$0
CASEY CARLSON
VP OF MARKETING AND DEVELOPMENT	$123,427	$0	$25,410	$0	$2,850	$0	$8,908	$0	$7,893	$0	$168,488	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	DAN STOLTZ - PARTICIPATED IN 457(F) PLAN. 2017 ACCRUED AMOUNT $99,141 - 2017 PAYOUT $198,291 STAN EDWARDS - PARTICIPATED IN 457(F) PLAN. 2017 ACCCRUED AMOUNT $78,462 - 2017 PAYOUT $156,923.	ExplanationTxt

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 IS COMPRISED OF A SINGLE CLASS OF MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. THE SUPERVISORY COMMITTEE IS APPOINTED BY THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 7B	ANY CHANGES TO THE ENTITY'S BYLAWS NEED TO BE APPROVED BY THE MEMBERSHIP.
FORM 990, PART VI, SECTION B, LINE 11B	THE FORM 990 WILL BE REVIEWED PRIOR TO SUBMISSION BY MANAGEMENT INCLUDING THE CFO.
FORM 990, PART VI, SECTION B, LINE 12C	A LISTING OF RELATED BUSINESSES ARE PROVIDED TO BOARD MEMBERS AND THEY ARE ASKED TO REVIEW AND SIGN OFF ANNUALLY.
FORM 990, PART VI, SECTION B, LINE 15A	FORM 990, PART VI, SECTION B, LINE 15: THE BOARD SUBCOMMITTEE UTILIZES A 3RD PARTY RESOURCE, BALANCE COMP, TO DETERMINE THE CEO'S COMPENSATION. THE CEO DETERMINES THE COO'S COMPENSATION AND THE COO WORKS WITH HR ON THE REMAINING STAFF. NO INDEPENDENT PERSON/BUSINESS IS USED TO COMPLETE THE REVIEW, RATHER THEY UTILIZE A 3RD PARTY RESOURCE WHEN MAKING THE EVALUATION.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE POSTED IN THE CU BRANCHES MONTHLY.
FORM 990, PART XI, LINE 9:	EQUITY ACQUIRED IN MERGER 3,400,624.
FORM 990, PART XII, LINE 2B	AUDITED FINANCIAL STATEMENTS - THE AUDIT WAS DONE AS OF 6/30. THEREFORE, THE REPORTING PERIOD FOR THE AUDIT DOES NOT MATCH THE REPORTING PERIOD FOR THE 990.
FORM 990, PART XII, LINE 2C:	THE SUPERVISORY COMMITTEE OVERSEES THE AUDIT AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT.

Schedule R IRS990ScheduleR

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	ROCHDALE AGENCY INC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2025 LARPENTEUR AVE	AddressLine1Txt
City	FALCON HEIGHTS	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55113	ZIPCd

Field	Value	IRS element (for citing)
EIN	410709699	EIN
Primary Activities	INSURANCE	PrimaryActivitiesTxt
Legal Domicile State	MN	LegalDomicileStateCd

Direct Controlling Entity Name DirectControllingEntityName

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

Field	Value	IRS element (for citing)
Entity Type	C	EntityTypeTxt
Share Of Total Income	$1,444	ShareOfTotalIncomeAmt
Share Of EOY Assets	$10	ShareOfEOYAssetsAmt
Ownership	1.00000	OwnershipPct
Controlled Organization	Yes (1)	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	0	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	0	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	0	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	0	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	0	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	0	DivRelatedOrganizationInd
Asset Sale To Other Org	0	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	0	AssetPurchaseFromOtherOrgInd
Asset Exchange	0	AssetExchangeInd
Rental Of Facilities To Oth Org	0	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	0	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	0	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	0	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	0	SharingOfFacilitiesInd
Paid Employees Sharing	0	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	0	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	0	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	0	TransferToOtherOrgInd
Transfer From Other Org	0	TransferFromOtherOrgInd