2014-08-14T12:20:20-07:00 2013-12-31 990 2013-01-01 416036540 ANOKA HENNEPIN CREDIT UNION ANOK 7634220290 3505 NORTHDALE BLVD NW COON RAPIDS MN 55448 JEFFREY CLAUSSEN President & CEO 2014-08-14 false 2013 2015-11-30 17:44:51Z 8256181 false false X www.ahcu.coop X 1963 MN members helping members in a community-based, not-for-profit organization, with the goal of becoming our members primary financial institution; protecting members assets and providing personal, convenient and competitive services. 9 7 90 181364 -53658 0 8644669 8099295 219037 186751 -220575 -29865 8643131 8256181 3000 4500 442025 173019 2668653 2920927 0 0 4559047 3193502 7672725 6291948 970406 1964233 133094028 137672701 123760807 126375247 9333221 11297454 X members helping members in a community-based, not-for-profit organization, with the goal of becoming our members primary financial institution; protecting members assets and providing personal, convenient and competitive services. false false MEMBERSHIP - ANOKA HENNEPIN CREDIT UNION SERVED THE FINANCIAL NEEDS OF 17,237 MEMBERS. AN AVERAGE OF 4.03 PRODUCTS AND SERVICES WERE USED PER MEMBER AS OF DECEMBER 31, 2013. SAVINGS - ANOKA HENNEPIN CREDIT UNION PROVIDED 31,469 SAVINGS PRODUCTS TO MEMBERS. THIS INCLUDES SHARE ACCOUNTS, SHARE DRAFT ACCOUNTS, IRAs, SHARE CERTIFICATES, AND MONEY MARKET ACCOUNTS. LOANS - ANOKA HENNEPIN CREDIT UNION PROVIDED 7,528 LOAN PRODUCTS TO MEMBERS, INCLUDING REAL ESTATE, VEHICLE, OTHER SECURED, UNSECURED, AND CREDIT CARD LOANS. false false false false false false false false false 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 true true false false false false false false false false false false true 1761 0 true 90 true true false false false false false false false false false false X 9 7 true false false false true true true true true false false true true true true true true true true false X X MARTIN WALIGORA 7634220290 3505 NORTHDALE BLVD NW COON RAPIDS MN 554486742 TERRY ANDERSON Director 0.80 0.00 X 620 0 0 STEVE LEBARON Director 0.80 0.00 X 830 0 0 JOHN FRANTESL Director 0.80 0.00 X 830 0 0 MARK UNDIS Chairman 0.80 0.00 X 830 0 0 ALAN VOKATY Director 0.80 0.00 X 900 0 0 JEFFREY CLAUSSEN President & CEO 40.00 0.00 X X 174848 0 13637 DENNIS FREDRICKSON Director 0.80 0.00 X 0 0 0 BARBARA ROTHE Vice Chair 0.80 0.00 X 900 0 0 JIM GAFFNEY Director 0.80 0.00 X 760 0 0 DANIEL BAKER VP/MARKETING 40.00 0.00 X 86768 0 6293 JAMES BACIGALUPO EXECUTIVE VP 40.00 0.00 X 99350 0 12900 366636 32830 1 false true false 0 0 FEE INCOME 522100 1667114 1531462 135652 INTEREST ON LOANS 522100 4974126 4974126 OTHER OPERATING INCOME 522100 1458055 1412343 45712 8099295 186751 186751 0 0 0 0 0 0 0 -29865 8256181 7888066 181364 186751 0 4500 0 173019 399466 0 1876410 102642 334161 208248 0 36113 15122 0 0 0 0 54559 299360 214891 0 507269 5118 0 24829 0 0 278775 82393 PROFESSIONAL & OUTSIDE SERVICE 627268 LOAN SERVICING EXPENSE 396530 PROVISION FOR LOAN LOSSES 359000 MEMBER INSURANCE 101700 190575 6291948 0 0 0 1960115 1761717 16190133 21485792 0 0 0 0 93083218 90602414 0 172612 115558 8771243 3673613 5033410 5097630 10805582 12743920 0 0 0 5848958 5865670 133094028 137672701 748972 830166 16526 9600 122995309 125535481 123760807 126375247 X 9333221 11297454 9333221 11297454 133094028 137672701 1964233 X false false false 1048740 1048740 5053461 1442184 3611277 327292 299609 27683 2341750 1931820 409930 5097630 HEALTH SAVINGS ACCOUNTS 50554 IRAS 5718481 MONEY MARKET ACCOUNTS 31251383 REGULAR SHARES 53173843 SHARE CERTIFICATES 8151444 SHARE DRAFTS 27189776 125535481 X X false false false JEFFREY CLAUSSEN President & CEO 157247 4000 13601 13637 188485 TANYA L BACIGALUPO FAMILY 78091 EMPLOYEE COMPENSATION false TRACY J ANDERSON - QRG FAMILY 54761 SALE OF PRODUCTS false TRACY J ANDERSON - JOHNSO FAMILY 10359 SALE OF PRODUCTS false DENNIS FREDRICKSON - ACE DIRECTOR 4343 SALES OF SERVICES false Form 990, Part III, Line 4d: Other Program Services Description OTHER PROGRAM SERVICES 4: OTHER PRODUCTS AND SERVICES - ANOKA HENNEPIN CREDIT UNION DELIVERED 45,421 OTHER FINANCIAL PRODUCTS AND SERVICES TO MEMBERS INCLUDING DEBIT CARDS, INTERNET BANKING, BILL PAYMENT, INSURANCE, AND SAFE DEPOSIT BOXES. Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et JEFFREY CLAUSSEN AND JAMES BACIGALUPO - FAMILY RELATIONSHIP Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body ALL PRIMARY MEMBERS HAVE THE RIGHT TO VOTE TO ELECT MEMBERS TO OUR GOVERNING BODY. Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders ALL ELIGIBLE MEMBERS MAY VOTE ON CHANGES TO THE BYLAWS OF ANOKA HENNEPIN CREDIT UNION, APPROVAL OF DIRECTOR STIPENDS, THE REMOVAL OF DIRECTORS, OR THE REMOVAL OF ANOTHER MEMBER UNDER CERTAIN CIRCUMSTANCES. Form 990, Part VI, Line 11b: Form 990 Review Process A FINAL COPY OF FORM 990 WAS AVAILABLE TO EACH VOTING MEMBER OF OUR GOVERNING BODY VIA THE BOARD MEMBER WEBSITE, WWW.AHCU.NET, BEFORE THE RETURN WAS FILED WITH THE IRS. Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts CONFLICTS OF INTEREST ARE MONITORED BY INTERNAL AUDITS, EXTERNAL (CPA FIRM) AUDITS, AND NCUA AND STATE EXAMS. ALL EMPLOYEES ARE COVERED BY THE POLICY, INCLUDING MEMBERS OF MANAGEMENT AND THE BOARD OF DIRECTORS. DETERMINATIONS ARE MADE BY THE PRESIDENT AND CEO. ACTUAL CONFLICTS ARE REVIEWED BY THE CHAIRPERSON OF THE BOARD AND THE MANAGEMENT TEAM. IF A CONFLICT ARISES, THE IDENTIFIED PERSON IS RESTRICTED AND MAY NOT VOTE OR MAKE RECOMMENDATIONS ON PROPOSALS FROM THOSE ENTITIES. Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management THE VICE PRESIDENT OF HUMAN RESOURCES REVIEWED AND COLLECTED INFORMATION FROM CREDIT UNION EXECUTIVES SOCIETY (CUES), CREDIT UNION NATIONAL ASSOCIATION (CUNA), AND GOVERNMENT AGENCY RESOURCES TO FORMULATE RANGES FOR COMPENSATION. Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees THE VICE PRESIDENT OF HUMAN RESOURCES REVIEWED AND COLLECTED INFORMATION FROM CREDIT UNION EXECUTIVES SOCIETY (CUES), CREDIT UNION NATIONAL ASSOCIATION (CUNA), AND GOVERNMENT AGENCY RESOURCES TO FORMULATE RANGES FOR COMPENSATION. Form 990, Part VI, Line 19: Other Organization Documents Publicly Available GOVERNING DOCUMENTS ARE POSTED ON THE WEBSITE, WWW.AHCU.NET, AND ARE PROVIDED UPON WRITTEN REQUEST TO THE GENERAL PUBLIC. THE FINANCIAL STATEMENTS ARE POSTED MONTHLY IN ALL OFFICES, AND ARE AVAILABLE QUARTERLY ON THE NCUA'S WEBSITE, WWW.NCUA.GOV.