2013-05-13T10:22:04-07:00 2012-12-31 990 2012-01-01 450226724 CAPITAL CREDIT UNION CAPI 7012550042 204 West Thayer Avenue Bismarck ND 585013772 Vance Reinbold 7012550042 2013-05-13 2012 2016-02-25 16:41:14Z Deb Gallagher 204 W Thayer Ave Bismarck ND 58501 17150679 0 X www.capcu.org X Organization 1936 ND Members' First. To be the best choice for financial services in our market. 10 10 134 10 41689 -42409 0 0 13053385 14851892 1098429 900441 310670 261617 14462484 16013950 0 0 10663 35331 5629874 6490509 0 0 0 7055639 6542699 12696176 13068539 1766308 2945411 285661109 327315934 257713403 296367617 27947706 30948317 Members' First. To be the best choice for financial services in our market. 0 0 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. 0 0 0 0 0 0 0 0 0 0 0 1 0 1 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 0 0 0 0 0 1 0 0 0 1 6072 0 1 134 1 1 1 0 0 0 0 0 X 10 10 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X Capital Credit Union 7012550042 204 West Thayer Avenue Bismarck ND 585013772 Michael Gunsch 3 0 X 0 0 0 Lynn Blakeman 3 0 X 0 0 0 Monte Weiand 3 0 X 0 0 0 Kevin Ressler 3 0 X 0 0 0 Ron Torgeson 3 0 X 0 0 0 Dennis Klipfel 3 0 X 0 0 0 Jay Buringrud 3 0 X 0 0 0 Ken Geiger 3 0 X 0 0 0 Faye Miller 3 0 X 650 0 0 Stephen Vaughan 3 0 X 0 0 0 Kevin Schoenborn 3 0 X 0 0 0 Deb Gallagher 40 0 X 228727 0 161913 Steve Davis 40 0 X 163398 0 20824 Vance Reinbold 40 0 X 130624 0 20400 Loni Bienek 40 0 X 112390 0 7732 Gordy Rauser 40 0 X 109003 0 7919 Kurt Schmidt 40 0 X 94969 0 17904 Dustin Bitz 40 0 X 86390 0 16484 Jim Schaefbauer 40 0 X 44683 0 5615 Scott Bullinger 40 0 X 222325 0 26767 Aaron Wentz 40 0 X 121438 0 13028 Lisa Liken 40 0 X 119513 0 12850 1434110 0 311436 8 0 1 0 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 7 0 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 0 0 0 0 14851892 974285 967756 6529 0 0 0 0 0 0 0 0 0 0 0 908157 154728 838766 297963 69391 -143235 -73844 -73844 0 0 261617 261617 0 0 261617 16013950 15972261 41689 0 0 0 0 35331 1228975 0 4024726 226285 639186 371337 0 44293 34551 0 0 21432 0 399969 640536 242748 0 481644 15066 0 93874 1232683 0 883922 63951 Card Services 1037188 Loan Program Expenses 288813 Provision for Loan and Lease Losses 116763 Assessments and Writedowns 231210 714056 13068539 0 0 0 1896566 1936567 52735422 68582136 0 0 215812 578352 0 0 0 0 177427354 201744797 0 0 179612 135654 16284605 7098977 7316293 9185628 1579384 1764835 39169191 38308631 3574630 3660736 0 0 1566845 1418598 285661109 327315934 3021093 2270111 0 0 0 0 0 0 109171 239375 0 0 21000000 14500000 0 0 233583139 279358131 257713403 296367617 X 0 0 0 0 27947706 30948317 27947706 30948317 285661109 327315934 2945411 55200 0 0 0 0 X 0 1 X 1 0 0 1 X 0 2087015 2087015 0 7929589 2870627 5058962 0 829876 363838 466038 0 2573182 1719010 854172 0 2864943 2145502 719441 9185628 0 0 Federal Agency Obligations 30171816 F Mortgage Backed Securities 7952758 F Corporate Debt Securities 101166 F Government Securities 82891 F 38308631 0 Member's Savings and IRA Certificates 62047198 Member's Shares 216604072 Deferred Compensation 706861 279358131 X 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. X 1 1 X X 0 0 0 Deb Gallagher 196913 0 31590 0 224 0 134381 0 27532 0 390640 0 123647 0 Steve Davis 115193 0 29132 0 19073 0 0 0 20824 0 184222 0 0 0 Vance Reinbold 110234 0 20220 0 170 0 0 0 20400 0 151024 0 0 0 Scott Bullinger 39040 0 179967 0 3318 0 0 0 26766 0 249091 0 0 0 SchJ_P01_S00_L01a Schedule J, Part I, Line 1a The Credit Union will reimburse director's spouses for their travel in accordance with our policies. Greg Tschider Spouse of Officer 46822 Legal retainer and additional legal services 0 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. CCU Financial Services LLC 204 West Thayer Avenue Bismarck ND 58501 203055779 Credit Union Service Organization ND 16614 38417 Capital Credit Union