2026-08-25T08:37:18-04:00 2025-12-31 411710454 MYSLAJEK KEMP & SPENCER LTD 1000 SHELARD PARKWAY 6TH FLOOR ST LOUIS PARK MN 55426 990 2025-01-01 352668800 MINNESOTA CREDIT UNION EMPLOYEE BENEFITS PLAN TRUST MINN 6512885511 555 WABASHA STREET N SUITE 200 ST PAUL MN 55102 AARON DEJONG CHAIR 6512885170 2026-08-12 MATTHEW K LIND CPA P01072458 9525444147 2026-08-12 2025 2025-03-06 01:10:19Z AARON DEJONG 555 WABASHA STREET N SUITE 200 ST PAUL MN 55102 6573826 false X WWW.MNCUN.ORG X 2019 MN TO PROVIDE HEALTH CARE AND OTHER BENEFITS TO MEMBER CREDIT UNION'S EMPLOYEES AND FAMILIES. 7 7 0 0 0 6311269 6573826 0 0 6311269 6573826 0 6311269 6573826 0 0 0 0 6311269 6573826 0 579684 599514 579644 599474 40 40 TO PROVIDE HEALTH CARE AND OTHER BENEFITS TO MEMBER CREDIT UNION'S EMPLOYEES AND FAMILIES. false false THE TRUST PROVIDES HEALTH CARE AND OTHER BENEFITS TO MEMBER CREDIT UNION'S EMPLOYEES AND FAMILIES. THE TRUST HAD A TOTAL OF 492 ACTIVE PARTICIPANTS AS OF DECEMBER 31, 2025. false false false false false false false false false false false false false true true true false false false false false false false false false false false false false false false false false false false false false false false false false false false true 0 0 0 false false false false false false false false X 7 7 false false false false true true false true true false false true false false false true true false X X TOMMY REMPFER 6512885511 555 WABASHA STREET N SUITE 200 ST PAUL MN 55102 X AARON DEJONG CHAIR 0.15 X X 0 0 0 AMANDA NESS TRUSTEE 0.15 X 0 0 0 JENNIFER STEDT TRUSTEE 0.15 X 0 0 0 MARA HUMPHREY TRUSTEE 0.15 X 0 0 0 KRIS JACOBSEN TRUSTEE 0.15 X 0 0 0 JAY GOSTONCZIK TRUSTEE 0.15 X 0 0 0 JASON OLSEN TRUSTEE 0.15 X 0 0 0 false false false EMPLOYER/EMPLOYEE PREMIUMS 525100 6544396 6544396 COBRA PREMIUMS 525100 29430 29430 6573826 6573826 6573826 6573826 6573826 0 0 0 579684 599514 579684 599514 579644 599474 579644 599474 X 40 40 40 40 579684 599514 0 X false true X true PREMIUMS PAYABLE 574474 DUE TO NETWORK 25000 599474 X 6573826 6573826 6573826 6573826 6573826 6573826 SCHEDULE D, PAGE 3, PART X THE PLAN HAS RECEIVED A DETERMINATION LETTER FROM THE INTERNAL REVENUE SERVICE (IRS) STATING THAT IT QUALIFIES AS A TAX-EXEMPT ORGANIZATION UNDER SECTION 501(C)(9) OF THE INTERNAL REVENUE CODE (IRC). ACCORDINGLY, THE PLAN IS EXEMPT FROM FEDERAL INCOME TAX ON INCOME RELATED TO ITS EXEMPT PURPOSE. THE DETERMINATION LETTER DOES NOT EXPRESS AN OPINION REGARDING THE TAX CONSEQUENCES UNDER IRC SECTIONS 105, 106, AND 125, NOR DOES IT ADDRESS WHETHER CONTRIBUTIONS TO THE PLAN ARE DEDUCTIBLE BY EMPLOYERS UNDER IRC SECTIONS 419 AND 419A. THE PLAN IS REQUIRED TO FILE AN ANNUAL INFORMATION RETURN WITH THE IRS (FORM 990, 990-EZ, OR 990-N, AS APPLICABLE). FAILURE TO FILE THE REQUIRED RETURN FOR THREE CONSECUTIVE YEARS MAY RESULT IN REVOCATION OF THE PLAN'S TAX-EXEMPT STATUS. MANAGEMENT BELIEVES THE PLAN CONTINUES TO BE OPERATED IN COMPLIANCE WITH THE APPLICABLE REQUIREMENTS OF THE IRC AND, THEREFORE, MAINTAINS ITS TAX- EXEMPT STATUS. NO PROVISION FOR INCOME TAXES HAS BEEN INCLUDED IN THE ACCOMPANYING FINANCIAL STATEMENTS, AS THE PLAN HAS NO MATERIAL UNRELATED BUSINESS INCOME SUBJECT TO TAXATION. FORM 990, PAGE 6, PART VI, LINE 6 PARTICIPATING MEMBERS ARE EITHER A MEMBER OR SUBSIDIARY OF MNCUN OR ANY CREDIT UNION SERVICE ORGANIZATION (CUSO) AS DEFINED BY THE NATIONAL CREDIT UNION ADMINISTRATION, THAT IS OWNED IN WHOLE OR IN PART BY A MEMBER OF MNCUN AND IS HEADQUARTERED IN MINNESOTA WHICH ELECTS TO PARTICIPATE IN THE PLAN TO PROVIDE GROUP HEALTH COVERAGE TO THE MEMBER'S ELIGIBLE EMPLOYEES AND THEIR DEPENDENTS. FORM 990, PAGE 6, PART VI, LINE 7A THE GOVERNING BODY FOR THE PLAN CONSISTS OF SEVEN (7) TOTAL INDIVIDUALS. TWO (2) OF THE BOARD TRUSTEES SHALL BE REPRESENTATIVES OF MNCUN, ONE (1) BOARD TRUSTEE SHALL BE A REPRESENTATIVE FROM MNCUN'S BOARD OF DIRECTORS, AND THE REMAINING FOUR (4) BOARD OF TRUSTEES SHALL BE EMPLOYEES OF THE PARTICIPATING MEMBERS AND ELECTED TO THE BOARD BY A MAJORITY VOTE OF THE PARTICIPATING MEMBERS OTHER THAN MNCUN. FORM 990, PAGE 6, PART VI, LINE 11B THE ADMINISTRATIVE OFFICE REVIEWS FORM 990 PRIOR TO FILING. THE TRUSTEES OF MINNESOTA CREDIT UNION EMPLOYEE BENEFITS PLAN ARE ALSO ALLOWED TO REVIEW, ASK QUESTIONS OR CLARIFICATIONS PRIOR TO SUBMISSION. FORM 990, PAGE 6, PART VI, LINE 15A MEMBERS OF THE GOVERNING BODY DO NOT RECEIVE ANY DIRECT COMPENSATION FROM MINNESOTA CREDIT UNION EMPLOYEE BENEFITS PLAN. FORM 990, PAGE 6, PART VI, LINE 15B COMPENSATION PROCESS FOR OFFICERS AND KEY EMPLOYEES NOT APPLICABLE AT THIS TIME. FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.