2013-05-10T12:05:03-07:00 2012-12-31 990 2012-01-01 416036540 ANOKA HENNEPIN CREDIT UNION ANOK 7634220290 3505 NORTHDALE BLVD NW COON RAPIDS MN 55448 JEFFREY CLAUSSEN 2013-05-10 false 2012 2016-02-24 21:20:13Z 8643131 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 8 77 252224 -59583 0 9112641 8644669 316156 219037 -394640 -220575 9034157 8643131 1500 3000 857160 442025 2656952 2668653 0 0 7260528 4559047 10776140 7672725 -1741983 970406 133403597 133094028 125040782 123760807 8362815 9333221 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 17,930 MEMBERS. AN AVERAGE OF 4.78 PRODUCTS AND SERVICES WERE USED PER MEMBER AS OF DECEMBER 31, 2012. SAVINGS - ANOKA HENNEPIN CREDIT UNION PROVIDED 32,696 SAVINGS PRODUCTS TO MEMBERS. THIS INCLUDES SHARE ACCOUNTS, SHARE DRAFT ACCOUNTS, IRAs, SHARE CERTIFICATES, AND MONEY MARKET ACCOUNTS. LOANS - ANOKA HENNEPIN CREDIT UNION PROVIDED 7,634 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 false false false false false false false false false false false true 2033 0 true 77 true true false false false false false false false false false false X 9 8 true false false false true true true true true false false true true true true false true false true false X X MARTIN WALIGORA 7634220290 3505 NORTHDALE BLVD NW COON RAPIDS MN 554486742 JIM GAFFNEY 0.80 0.00 X 0 0 0 BARBARA ROTHE 0.80 0.00 X 0 0 0 DENNIS FREDRICKSON 0.80 0.00 X 0 0 0 JEFFREY CLAUSSEN 40.00 0.00 X X 161562 0 12449 ALAN VOKATY 0.80 0.00 X 0 0 0 MARK UNDIS 0.80 0.00 X 0 0 0 JOHN FRANTESL 0.80 0.00 X 0 0 0 STEVE LEBARON 0.80 0.00 X 0 0 0 TERRY ANDERSON 0.80 0.00 X 0 0 0 JAMES BACIGALUPO 40.00 0.00 X 94254 0 16511 DANIEL BAKER 40.00 0.00 X 81948 0 8109 337764 37069 1 false true false 0 0 OTHER OPERATING INCOME 522100 1304791 1231787 73004 FEE INCOME 522100 1791849 1612629 179220 INTEREST ON LOANS 522100 5548029 5548029 8644669 219037 219037 0 0 0 0 0 0 0 GAIN(LOSS) - FIXED ASSETS 522100 -220575 -220575 GAIN(LOSS) - INVESTMENTS 522100 -220575 8643131 8171870 252224 219037 0 3000 0 442025 374833 0 1728698 35961 338709 190452 0 22420 12335 0 0 0 0 64617 307412 195261 0 607620 2451 0 179 3 0 238275 88965 MEMBER INSURANCE 120661 LOAN SERVICING EXPENSE 387534 PROFESSIONAL & OUTSIDE SERVICE 671601 PROVISION FOR LOAN LOSSES 1725361 114352 7672725 0 0 0 1812597 1960115 9765504 16190133 0 0 0 0 98829091 93083218 0 86368 172612 8678723 3645313 4766896 5033410 12774207 10805582 0 0 0 5368934 5848958 133403597 133094028 759909 748972 88734 16526 124192139 122995309 125040782 123760807 X 8362815 9333221 8362815 9333221 133403597 133094028 970406 X false false false 1048740 1048740 4940346 1303879 3636467 327292 294251 33041 2362345 2047183 315162 5033410 HEALTH SAVINGS ACCOUNTS 36524 MONEY MARKET ACCOUNTS 30617028 SHARE CERTIFICATES 9752613 IRAS 6420895 SHARE DRAFTS 26644916 REGULAR SHARES 49523333 122995309 X X false false false JEFFREY CLAUSSEN 149577 11985 12449 174011 TRACY J ANDERSON-QUALITY RESOURCE G FAMILY MEMBER-CLAUSSEN 81996 SALE OF PRODUCTS false TANYA L BACIGALUPO FAMILY MEMBER-BACIGALUPO 66444 EMPLOYEE COMPENSATION false Form 990, Part VI, Line 19 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. Form 990, Part VI, Line 15b 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 12c 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 11b 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 7b 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 7a 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 2 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 III, Line 4d 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.