CAPITAL CREDIT UNION: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: CAPITAL CREDIT UNION (EIN 45-0226724)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-05-13
IRS object ID: 201301339349301870
Schema version: 2012v2.0
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)
Timestamp	2013-05-13T10:22:04-07:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	450226724	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	CAPITAL CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	CAPI	NameControl
Phone	7012550042	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	204 West Thayer Avenue	AddressLine1
City	Bismarck	City
State	ND	State
ZIP Code	585013772	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	Vance Reinbold	Name
Title	Chief Financial Officer	Title
Phone	7012550042	Phone
Date Signed	2013-05-13	DateSigned

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-02-25 16:41:14Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	Deb Gallagher	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	204 W Thayer Ave	AddressLine1
City	Bismarck	City
State	ND	State
ZIP Code	58501	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	17150679	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	www.capcu.org	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	Organization	TypeOfOrgOtherDescription
Year Formation	1936	YearFormation
State Legal Domicile	ND	StateLegalDomicile
Activity Or Mission Description	Members' First. To be the best choice for financial services in our market.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	10	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	10	NbrIndependentVotingMembers
Total Nbr Employees	134	TotalNbrEmployees
Total Nbr Volunteers	10	TotalNbrVolunteers
Total Gross UBI	41689	TotalGrossUBI
Net Unrelated Business Txbl Income	-42409	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	13053385	ProgramServiceRevenuePriorYear
Program Service Revenue CY	14851892	ProgramServiceRevenueCY
Investment Income Prior Year	1098429	InvestmentIncomePriorYear
Investment Income Current Year	900441	InvestmentIncomeCurrentYear
Other Revenue Prior Year	310670	OtherRevenuePriorYear
Other Revenue Current Year	261617	OtherRevenueCurrentYear
Total Revenue Prior Year	14462484	TotalRevenuePriorYear
Total Revenue Current Year	16013950	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	0	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	10663	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	35331	BenefitsPaidToMembersCY
Salaries Etc Prior Year	5629874	SalariesEtcPriorYear
Salaries Etc Current Year	6490509	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	7055639	OtherExpensePriorYear
Other Expenses Current Year	6542699	OtherExpensesCurrentYear
Total Expenses Prior Year	12696176	TotalExpensesPriorYear
Total Expenses Current Year	13068539	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	1766308	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	2945411	RevenuesLessExpensesCY
Total Assets BOY	285661109	TotalAssetsBOY
Total Assets EOY	327315934	TotalAssetsEOY
Total Liabilities BOY	257713403	TotalLiabilitiesBOY
Total Liabilities EOY	296367617	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	27947706	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	30948317	NetAssetsOrFundBalancesEOY
Mission Description	Members' First. To be the best choice for financial services in our market.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Description	Provide a variety of financial services to our members. Our Credit Union was serving 25,189 members as of December 31, 2012. Our program's objective is to be the best choice for financial services in our market. Our program offers our member's a variety of products, including (but not limited to): loans, savings, certificates of deposits, card services and electronic fund services.	Description
Total Of Other Program Service Exp	0	TotalOfOtherProgramServiceExp
Total Of Other Program Service Grnt	0	TotalOfOtherProgramServiceGrnt
Total Of Other Program Service Rev	0	TotalOfOtherProgramServiceRev
Total Program Service Expense	0	TotalProgramServiceExpense
Described In501 C3	0	DescribedIn501C3
Schedule B Required	0	ScheduleBRequired
Political Activities	0	PoliticalActivities
Subject To Proxy Tax	0	SubjectToProxyTax
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	1	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	1	ReportInvestOthSecurities
Report Prog Rel Invest	0	ReportProgRelInvest
Report Other Assets	0	ReportOtherAssets
Report Other Liabilities	1	ReportOtherLiabilities
Report Fin48 Footnote	1	ReportFin48Footnote
Independent Audit Financial Stmt	0	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	1	ConsolidatedAuditFinancialStmt
School	0	School
Foreign Office	0	ForeignOffice
Foreign Activities	0	ForeignActivities
More Than5000 K To Organizations	0	MoreThan5000KToOrganizations
More Than5000 K To Individuals	0	MoreThan5000KToIndividuals
Professional Fundraising	0	ProfessionalFundraising
Fundraising Activities	0	FundraisingActivities
Gaming	0	Gaming
Hospital	0	Hospital
Grants To Organizations	0	GrantsToOrganizations
Grants To Individuals	0	GrantsToIndividuals
Schedule J Required	1	ScheduleJRequired
Tax Exempt Bonds	0	TaxExemptBonds
Loan To Officer Or DQP	0	LoanToOfficerOrDQP
Grant To Related Person	0	GrantToRelatedPerson
Bsnss Rltnshp With Organization	0	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	1	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	0	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	0	DeductibleNonCashContributions
Deductible Contributions Of Art	0	DeductibleContributionsOfArt
Terminated	0	Terminated
Partial Liquidation	0	PartialLiquidation
Disregarded Entity	1	DisregardedEntity
Related Entity	0	RelatedEntity
Related Org Controlled Entity	0	RelatedOrgControlledEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	6072	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	134	NumberOfEmployees
Employment Tax Returns Filed	1	EmploymentTaxReturnsFiled
Unrelated Business Income	1	UnrelatedBusinessIncome
Form990-T Filed	1	Form990-TFiled
Foreign Financial Account	0	ForeignFinancialAccount
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTrans
Taxable Party Notification	0	TaxablePartyNotification
Non Deductible Contributions	0	NonDeductibleContributions
Indoor Tanning Services	0	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	10	NbrVotingGoverningBodyMembers
Number Independent Voting Members	10	NumberIndependentVotingMembers
Family Or Business Relationship	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	0	ChangesToOrganizingDocs
Material Diversion Or Misuse	0	MaterialDiversionOrMisuse
Members Or Stockholders	1	MembersOrStockholders
Election Of Board Members	1	ElectionOfBoardMembers
Decisions Subject To Approval	1	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	1	LocalChapters
Policies Reference Chapters	1	PoliciesReferenceChapters
Form990 Provided To Governing Body	0	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	1	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	1	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	Capital Credit Union	BusinessNameLine1

Field	Value	IRS element (for citing)
Telephone Number	7012550042	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	204 West Thayer Avenue	AddressLine1
City	Bismarck	City
State	ND	State
ZIP Code	585013772	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (22 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Average Hours Per Week RelatedAverageHoursPerWeekRelated	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer	Highest Compensated EmployeeHighestCompensatedEmployee
Michael Gunsch
Board Member	3	0	X	0	0	0
Lynn Blakeman
Board Member	3	0	X	0	0	0
Monte Weiand
Board Member	3	0	X	0	0	0
Kevin Ressler
Board Member	3	0	X	0	0	0
Ron Torgeson
Board Member	3	0	X	0	0	0
Dennis Klipfel
Board Member	3	0	X	0	0	0
Jay Buringrud
Board Member	3	0	X	0	0	0
Ken Geiger
Board Member	3	0	X	0	0	0
Faye Miller
Board Member	3	0	X	650	0	0
Stephen Vaughan
Board Member	3	0	X	0	0	0
Kevin Schoenborn
Board Member	3	0	X	0	0	0
Deb Gallagher
CEO/President	40	0		228727	0	161913	X
Steve Davis
Chief Operations Officer	40	0		163398	0	20824	X
Vance Reinbold
Chief Financial Officer	40	0		130624	0	20400	X
Loni Bienek
Vice President of Marketing and Administration	40	0		112390	0	7732	X
Gordy Rauser
Vice President of Lending	40	0		109003	0	7919	X
Kurt Schmidt
Vice President of Information Technology	40	0		94969	0	17904	X
Dustin Bitz
Vice President of Member Services	40	0		86390	0	16484	X
Jim Schaefbauer
VP of Member Services - East Region	40	0		44683	0	5615	X
Scott Bullinger
Mortgage Sales Manager	40	0		222325	0	26767		X
Aaron Wentz
Mortgage Loan Officer	40	0		121438	0	13028		X
Lisa Liken
Mortgage Loan Officer	40	0		119513	0	12850		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	1434110	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	311436	TotalOtherCompensation
Number Individuals GT100 K	8	NumberIndividualsGT100K
Formers Listed	0	FormersListed
Total Comp GT150 K	1	TotalCompGT150K
Compensation From Other Sources	0	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	Address Line2AddressOfContractor/AddressUS/AddressLine2	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
Harland Financial Solutions
605 Crescent Executive Court	Suite 600	Lake Mary	FL	32746	Software Solutions	254164
Presort Plus
2355 Vermont Avenue		Bismarck	ND	58504	Postage and statement preparation services	179507
Diebold
PO Box 643543		Pittsburgh	PA	152643543	Equipment installation, upgrades, and maintenance	324857
Professional Contractors
1131 Airport Road		Bismarck	ND	585046712	Construction contractor	1538077
JPR Investments LLC
200 S 45th St	Suite 200	Fargo	ND	58103	Construction Contractor	174655

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	7	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue	ExclusionExclusionAmount
Loan Interest Income	522291	9539529	9539529	0	$0
Fees and Interchange Income	522210	2995769	2960609	35160	$0
Mortgage Lending Income	522292	2316594	2316594	0	$0

Total Oth Program Service Revenue TotalOthProgramServiceRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Total Program Service Revenue	14851892	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	974285	TotalRevenueColumn
Related Or Exempt Function Income	967756	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	6529	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Royalties Revenue RoyaltiesRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Rental Income Or Loss RentalIncomeOrLoss

Field	Value	IRS element (for citing)
Real	0	Real
Personal	0	Personal

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	908157	Securities
Other	154728	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	838766	Securities
Other	297963	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	69391	Securities
Other	-143235	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	-73844	TotalRevenueColumn
Related Or Exempt Function Income	-73844	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Miscellaneous Revenue MiscellaneousRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	261617	TotalRevenueColumn
Related Or Exempt Function Income	261617	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Total Other Revenue	261617	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	16013950	TotalRevenueColumn
Related Or Exempt Function Income	15972261	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	41689	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	35331	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	1228975	Total

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	4024726	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	226285	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	639186	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	371337	Total

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	44293	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	34551	Total

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	21432	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	0	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	399969	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	640536	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	242748	Total

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	481644	Total

Travel Travel

Field	Value	IRS element (for citing)
Total	15066	Total

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	93874	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	1232683	Total

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	883922	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	63951	Total

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal
Card Services	1037188
Loan Program Expenses	288813
Provision for Loan and Lease Losses	116763
Assessments and Writedowns	231210

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	714056	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	13068539	Total
Program Services	0	ProgramServices
Management And General	0	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	1896566	BOY
EOY	1936567	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	52735422	BOY
EOY	68582136	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	215812	BOY
EOY	578352	EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	177427354	BOY
EOY	201744797	EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	179612	BOY
EOY	135654	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	16284605	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	7098977	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	7316293	BOY
EOY	9185628	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	1579384	BOY
EOY	1764835	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	39169191	BOY
EOY	38308631	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
BOY	3574630	BOY
EOY	3660736	EOY

Intangible Assets IntangibleAssets

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1566845	BOY
EOY	1418598	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	285661109	BOY
EOY	327315934	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	3021093	BOY
EOY	2270111	EOY

Grants Payable GrantsPayable

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Deferred Revenue DeferredRevenue

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Tax Exempt Bond Liabilities TaxExemptBondLiabilities

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	109171	BOY
EOY	239375	EOY

Loans From Officers Directors LoansFromOfficersDirectors

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

Field	Value	IRS element (for citing)
BOY	21000000	BOY
EOY	14500000	EOY

Unsecured Notes Loans Payable UnsecuredNotesLoansPayable

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	233583139	BOY
EOY	279358131	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	257713403	BOY
EOY	296367617	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	27947706	BOY
EOY	30948317	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	27947706	BOY
EOY	30948317	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	285661109	BOY
EOY	327315934	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	2945411	ReconcilationRevenueExpenses
Reconciliation Unrealized Invest	55200	ReconciliationUnrealizedInvest
Reconcilation Donated Services	0	ReconcilationDonatedServices
Reconcilation Invest Expenses	0	ReconcilationInvestExpenses
Reconcilation Prior Adjustment	0	ReconcilationPriorAdjustment
Reconcilation Other Changes	0	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited

FS Audited Basis FSAuditedBasis

Field	Value	IRS element (for citing)
Financial Statement Consolidated	X	FinancialStatementConsolidated

Field	Value	IRS element (for citing)
Audit Committee	1	AuditCommittee
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtc
Included On FS	1	IncludedOnFS
Explanation In Part XIII	X	ExplanationInPartXIII

Land Land

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	2087015	OtherCostOrOtherBasis
Book Value	2087015	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	7929589	OtherCostOrOtherBasis
Depreciation	2870627	Depreciation
Book Value	5058962	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	829876	OtherCostOrOtherBasis
Depreciation	363838	Depreciation
Book Value	466038	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	2573182	OtherCostOrOtherBasis
Depreciation	1719010	Depreciation
Book Value	854172	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	2864943	OtherCostOrOtherBasis
Depreciation	2145502	Depreciation
Book Value	719441	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	9185628	TotalOfBookValueLandBuildings

Financial Derivatives FinancialDerivatives

Field	Value	IRS element (for citing)
Book Value	0	BookValue

Closely Held Equity Interests CloselyHeldEquityInterests

Field	Value	IRS element (for citing)
Book Value	0	BookValue

Other Securities OtherSecurities (4 entries)

DescriptionDescription	Book ValueBookValue	Method Of ValuationMethodOfValuation
Federal Agency Obligations	30171816	F
Mortgage Backed Securities	7952758	F
Corporate Debt Securities	101166	F
Government Securities	82891	F

Field	Value	IRS element (for citing)
Total Of Book Value Securities	38308631	TotalOfBookValueSecurities
Federal Income Tax Liability	0	FederalIncomeTaxLiability

Other Liabilities OtherLiabilities (3 entries)

DescriptionDescription	AmountAmount
Member's Savings and IRA Certificates	$62,047,198
Member's Shares	$216,604,072
Deferred Compensation	$706,861

Field	Value	IRS element (for citing)
Total Of Amounts	279358131	TotalOfAmounts
Footnote In Part XIII	X	FootnoteInPartXIII

Form990 Schedule D Part XIII Form990ScheduleDPartXIII (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
SchD_P04_S00_L02b	Schedule D, Part IV, Line 2b	Our organization maintains escrow accounts for some of our members.
SchD_P10_S00_L02	Schedule D, 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.

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	1	SubstantiationRequired
Compensation Committee	X	CompensationCommittee
Compensation Survey	X	CompensationSurvey
Severance Payment	0	SeverancePayment
Supplemental Nonqual Retire Plan	0	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (4 entries)

TitleTitle	Base Compensation Filing OrgBaseCompensationFilingOrg	Comp Based On Related OrgsCompBasedOnRelatedOrgs	Bonus Filing OrgBonusFilingOrg	Bonus Related OrgsBonusRelatedOrgs	Other Compensation Filing OrgOtherCompensationFilingOrg	Other Compensation Related OrgsOtherCompensationRelatedOrgs	Deferred Comp Filing OrgDeferredCompFilingOrg	Deferred Comp Related OrgsDeferredCompRelatedOrgs	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs	Total Compensation Filing OrgTotalCompensationFilingOrg	Total Compensation Related OrgsTotalCompensationRelatedOrgs	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
Deb Gallagher
CEO/President	196913	0	31590	0	224	0	134381	0	27532	0	390640	0	123647	0
Steve Davis
Chief Operations Officer	115193	0	29132	0	19073	0	0	0	20824	0	184222	0	0	0
Vance Reinbold
Chief Financial Officer	110234	0	20220	0	170	0	0	0	20400	0	151024	0	0	0
Scott Bullinger
Mortgage Sales Manager	39040	0	179967	0	3318	0	0	0	26766	0	249091	0	0	0

Form990 Schedule J Part III Form990ScheduleJPartIII

Field	Value	IRS element (for citing)
Identifier	SchJ_P01_S00_L01a	Identifier
Return Reference	Schedule J, Part I, Line 1a	ReturnReference
Explanation	The Credit Union will reimburse director's spouses for their travel in accordance with our policies.	Explanation

Schedule L IRS990ScheduleL

Form990 Schedule L Part IV Form990ScheduleLPartIV

Name Of Interested Person NameOfInterestedPerson

Field	Value	IRS element (for citing)
Name Person	Greg Tschider	NamePerson

Field	Value	IRS element (for citing)
Relationship	Spouse of Officer	Relationship
Amount Of Transaction	46822	AmountOfTransaction
Description Of Transaction	Legal retainer and additional legal services	DescriptionOfTransaction
Sharing Of Revenues	0	SharingOfRevenues

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
F990_P06_S0A_L06	Form 990, Part VI, Section A, Line 6	The organization has members.
F990_P06_S0A_L07a	Form 990, Part VI, Section A, Line 7a	Our bylaws allow the members, who own the Credit Union, to elect the governing body at the Credit Union's annual meeting.
F990_P06_S0A_L07b	Form 990, Part VI, Section A, Line 7b	Some decisions need to be voted on by the membership and must pass a certain percentage of the membership in attendance at the meeting.
F990_P06_S0B_L11b	Form 990, Part VI, Section B, Line 11b	The Form 990 is completed by the Accounting department and reviewed by the CFO and Controller.
F990_P06_S0B_L12c	Form 990, Part VI, Section B, Line 12c	Annually, the employees sign a Code of Conduct form, which includes the Conflict of Interest Policy.
F990_P06_S0B_L15	Form 990, Part VI, Section B, Line 15	The Credit Union's Board of Directors has a Compensation Committee that reviews compensation. The Board of Directors determines the CEO's salary based upon several factors, including comparable data.
F990_P06_S0C_L19	Form 990, Part VI, Section C, Line 19	The documents are available upon request by our members.

Schedule R IRS990ScheduleR

Form990 Schedule R Part I Form990ScheduleRPartI

Name Of Disregarded Entity NameOfDisregardedEntity

Field	Value	IRS element (for citing)
Business Name Line1	CCU Financial Services LLC	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	204 West Thayer Avenue	AddressLine1
City	Bismarck	City
State	ND	State
ZIP Code	58501	ZIPCode

Field	Value	IRS element (for citing)
EIN	203055779	EIN
Primary Activities	Credit Union Service Organization	PrimaryActivities
Legal Domicile State	ND	LegalDomicileState
Total Income	16614	TotalIncome
EOY Assets	38417	EOYAssets

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	Capital Credit Union	BusinessNameLine1