Nonprofit · EIN 41-0225925
NORTHERN COMMUNITIES CREDIT UNION
Also known as Minnesota Arrowhead Public Employees Retirement Association AFSCME Minnesota Retiree Chapter 96
Tax-exempt · DULUTH, MN 55811
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $7,313,509 | $6,102,698 | $1,210,811 | $108,506,640 | $96,196,907 | $12,309,733 |
| December 31, 2023 | 990 | $6,189,475 | $5,066,076 | $1,123,399 | $101,562,045 | $90,463,123 | $11,098,922 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $8,000
- Program service revenue
- $6,977,460
- Investment income
- $312,462
- Royalties
- $11,587
- Net rental income
- $4,000
- Net gain from sales of assets
- -$8,525
- Other revenue
- $15,587
Expenses
- Grants and similar amounts paid
- $6,904
- Compensation of officers, directors and key employees
- $641,291
- Other salaries and wages
- $1,128,789
- Salaries, compensation and benefits (total)
- $2,273,930
- Professional fundraising fees
- $0
- Legal fees
- $325
- Accounting fees
- $29,624
- Occupancy
- $191,526
- Depreciation
- $220,738
Balance sheet and other
- Total assets, start of year
- $101,562,045
- Total assets, end of year
- $108,506,640
- Total liabilities, end of year
- $96,196,907
- Net assets, end of year
- $12,309,733
- Land, buildings and equipment
- $2,416,112
- Gross unrelated business income
- $6,006
- Gross receipts
- $7,330,947
- Employees
- 37
- Year formed
- 1928
- State of legal domicile
- MN
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TRINA HOFF | PRESIDENT/CE Officer | 40 | $332,557 | $79,818 |
| ANITTA CHANDLER | COO Officer | 40 | $165,039 | $28,198 |
| SHANNON LUNDQUIST | VP LENDING Officer | 40 | $137,101 | $26,966 |
| DIRK DAVIS | VICE CHAIR Trustee or director, Officer | 0.5 | $2,136 | $66 |
| JOHN LINDQUIST | DIRECTOR Trustee or director | 0.5 | $1,259 | $66 |
| GEORGE WALTERS | DIRECTOR Trustee or director | 0.5 | $996 | $66 |
| SHAWN HERHUSKY | CHAIR Trustee or director, Officer | 0.5 | $484 | $66 |
| KAREN ERICKSON | DIRECTOR Trustee or director | 0.5 | $465 | $66 |
| JAMES KROLL | DIRECTOR Trustee or director | 0.5 | $409 | $66 |
| RUTH HEMMING | SECRETARY Trustee or director, Officer | 0.5 | $328 | $66 |
| CHARLES SCHUMACHER | DIRECTOR Trustee or director | 0.5 | $283 | $66 |
| ROBERT MCCUBBIN | DIRECTOR Trustee or director | 0.5 | $234 | $66 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TRINA HOFF | PRESIDENT/CE Officer | 40 | $169,311 | $69,621 |
| ANITA CHANDLER | VP ADMINISTR Officer | 40 | $99,804 | $15,328 |
| SHARON LUNDQUIST | VP LENDING Officer | 40 | $82,021 | $22,616 |
| DIRK DAVIS | DIRECTOR Trustee or director | 0.5 | $1,486 | $66 |
| GEORGE WALTERS | DIRECTOR Trustee or director | 0.5 | $629 | $66 |
| KAREN ERICKSON | CHAIR Trustee or director, Officer | 0.5 | $382 | $66 |
| JAMES KROLL | DIRECTOR Trustee or director | 0.5 | $343 | $66 |
| JOHN LINDQUIST | DIRECTOR Trustee or director | 0.5 | $340 | $66 |
| CHARLES SCHUMACHER | DIRECTOR Trustee or director | 0.5 | $297 | $66 |
| ROBERT MCCUBBIN | DIRECTOR Trustee or director | 0.5 | $235 | $66 |
| SHAWN HERHUSKY | VICE CHAIR Trustee or director, Officer | 0.5 | $234 | $66 |
| RUTH HEMMING | SECRETARY Trustee or director, Officer | 0.5 | $209 | $66 |
Address and contacts
- Address (IRS master file)
- 3311 W ARROWHEAD RD, DULUTH, MN 55811-4065
- Mailing address (990-N for 2008)
- 827 North Robin Ave, Duluth MN 55811
- Principal officer (990 for 2024)
- TRINA HOFF, 3311 WEST ARROWHEAD ROAD, DULUTH, MN 55811
- Principal officer (990-N for 2008)
- Edward Carlson, 827 North Robin Ave, Duluth MN 55811
- Signed the 990
- TRINA HOFF, PRESIDENT/CEO
- Phone
- (218) 279-3200
- Website
- NCCYOU.COM
- Return prepared by
- BRENT WOOKEY CPA
Mission
TO PROMOTE MEMBER SUCCESS BY MEETING THEIR CHANGING FINANCIAL NEEDS.
Program accomplishments
- THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 1,372 NEW DEPOSIT ACCOUNTS IN 2024. AS OF 12/31/24 WE HAD 6,772 MEMBERS.
- THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 1,401 NEW LOANS DURING 2024. AS OF 12/31/24 WE HAD 80,007 LOANS RECEIVABLE.
- .
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 41-0225925
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1944
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 0708: CREDIT UNIONS IN THE STATE OF MINNESOTA
- Assets (IRS master file)
- $108,506,640
- Income (IRS master file)
- $7,330,947
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $7,313,509 | $6,102,698 | $108,506,640 | XML |
| 990 | December 2023 | $6,189,475 | $5,066,076 | $101,562,045 | XML |
| 990 | December 2022 | $4,887,350 | $4,164,127 | $104,832,624 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990-N for 2008 Officer: Edward Carlson | December 31, 2008 | ≤ $50,000 receipts | – | – | e-Postcard |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 41-0225925).
Questions about NORTHERN COMMUNITIES CREDIT UNION
- What is the EIN of NORTHERN COMMUNITIES CREDIT UNION?
- The employer identification number (EIN) of NORTHERN COMMUNITIES CREDIT UNION is 41-0225925.
- Is NORTHERN COMMUNITIES CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1944.
- Are donations to NORTHERN COMMUNITIES CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does NORTHERN COMMUNITIES CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of NORTHERN COMMUNITIES CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did NORTHERN COMMUNITIES CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of NORTHERN COMMUNITIES CREDIT UNION?
- The 990 for the year ended December 31, 2024 names TRINA HOFF.
- Who are the officers and directors of NORTHERN COMMUNITIES CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 12 people; 12 received compensation from the organization, the highest $332,557 (TRINA HOFF, PRESIDENT/CE).
- How much revenue does NORTHERN COMMUNITIES CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $7,313,509, expenses of $6,102,698 and total assets of $108,506,640 at year end.
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