Enterprise Credit Union: Nonprofit Profile, Financials & Form 990 (EIN 48-0665809)

Revenue by fiscal year
FY2020	$111K
FY2021	$107K

Expenses by fiscal year
FY2020	$111K
FY2021	$102K

Net assets by fiscal year
FY2020	$74K
FY2021	$79K

Is it real?

Yes. Exemption reinstated (2012-05-15). Per the IRS revocation list. Latest filing on record: FY2021.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

100 cents of each dollar spent went to programs.

100%

Program services 100% · $102K

Form 990 Part IX, line 25. Every line is in By the numbers.

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Who runs it and what they're paid

7 people listed on the 990.

Part VII, Section A · reportable compensation

Barth Amend

Chairman

$0Pt VII · Sec A

Jack Craig

Board Member

$0Pt VII · Sec A

Peter Jackson

Vice Chairman

$0Pt VII · Sec A

Sandy Jaderborg

Treasurer

$0Pt VII · Sec A

Amy Rutz

Board Member

$0Pt VII · Sec A

Deanna Stalder

Secretary

$0Pt VII · Sec A

Michele Ohlfs-Eagleburger

Credit Union Manager

$0Pt VII · Sec A

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

Family or business ties among officersPt VI · Ln 2No
Top official's pay set by an independent reviewPt VI · Ln 15aNo

Programs and updates

Offers financial services to members for shared benefit.

Questions for Enterprise Credit Union

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Provided by the organization

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3 programs · $102K · in their own filed words · FY2021

01

Provides financial and financially related services to members of the Credit Union.

$102Kprogram expense

02

Provides a source of credit to members at a fair and reasonable rate of interest. As of December 31, 2020 there were 171 loans outstanding totaling $1,144,102.85.

Pt IX · col B

03

Paid dividends on member deposits totaling $11,675.35.

Pt IX · col B

By the numbers

The FY2021 990, line by line.

Download 990

from philanthropy.org

1The main four

Money inPt VIII

$107K

Ln 12

Fees for servicesLn 2g$106K

Investment incomeLn 3$889

Money outPt IX

$102K

Ln 25

Programscol B$102K

Owns and owesPt X

$79K

net assets · Ln 32

Cash and savingsLn 1–2$414K

Total assetsLn 16$1.6M

LiabilitiesLn 26$1.5M

PeoplePt VI, VII

7

listed · VII A

PaidVII A0

Voting boardVI 1a6

IndependentVI 1b0

2In more detail

Revenue in detailPt VIII

Fees for servicesLn 2g$106K

Investment incomeLn 3$889

Total revenueLn 12$107K

Assets in detailPt X, end of year

CashLn 1$9K

SavingsLn 2$405K

Cash and savings togetherLn 1–2$414K

Land, buildings, equipmentLn 10c$13K

Other assetsLn 15$18K

Total assetsLn 16$1.6M

LiabilitiesLn 26$1.5M

Net assetsLn 32$79K

OperationsPt I, VI

EmployeesI 53

VolunteersI 610

Fiscal year endsHeaderDecember

Conflict-of-interest policyVI 12aYes

Whistleblower policyVI 13Yes

Records policyVI 14Yes

3Year over year

Balance sheet, start vs end of yearPt X · col A, B

Line	Start FY21	End FY21
Cash and savingsLn 1–2	$554K	$414K
Land, buildings, equipmentLn 10c	$13K	$13K
Total assetsLn 16	$1.4M	$1.6M
LiabilitiesLn 26	$1.3M	$1.5M
Net assetsLn 32	$74K	$79K

4Every line

Statement of functional expensesPt IX · every line

Line	Total	Programs	Management	Fundraising
Other salaries and wagesLn 7	$36K	$36K
Payroll taxesLn 10	$3K	$3K
Accounting feesLn 11c	$167	$167
Office expensesLn 13	$41K	$41K
OccupancyLn 16	$2K	$2K
Depreciation, depletion and amortizationLn 22	$807	$807
Other expenses (24a–d)Ln 24	$20K	$20K	$0	$0
Total functional expensesLn 25	$102K	$102K	$0	$0

Filing history

Year	Money in	Money out	In minus out	Net assets	Download
FY2021 Latest Viewing	$107K	$102K	$5K	$79K	990 PDF
FY2020	$111K	$111K	$364	$74K	990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash

See the full FY2021 990 (6 parts)

Part I · Summary $107,301 revenue, 12 lines filed

I-8 Contributions and grantsPrior year $0$0

I-9 Program service revenuePrior year $110,521$106,412

I-10 Investment incomePrior year $359$889

I-11 Other revenuePrior year $0$0

I-12 Total revenuePrior year $110,880$107,301

I-13 Grants and similar amounts paidPrior year $0$0

I-14 Benefits paid to membersPrior year $0$0

I-15 Salaries and benefitsPrior year $46,259$38,673

I-16a Professional fundraising feesPrior year $0$0

I-17 Other expensesPrior year $64,257$63,579

I-18 Total expensesPrior year $110,516$102,252

I-19 Revenue less expensesPrior year $364$5,049

Part VI · Governance 0 of 6 board members independent, 1 to look at

VI-1a Voting members of the governing body6

VI-1b Independent voting members0

VI-15a Process for setting top official's payNo

VI-2 Family or business relationship among officers or directorsNo

VI-12a Written conflict of interest policyYes

VI-13 Written whistleblower policyYes

VI-14 Document retention and destruction policyYes

Part VIII · Statement of revenue $107,301 across 5 lines filed

VIII-1h Total contributions, gifts and grants$0

VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $106,412 · Unrelated business $0 · Excluded from tax $0$106,412

VIII-3 Investment incomeRelated to mission $889 · Unrelated business $0 · Excluded from tax $0$889

VIII-5 RoyaltiesRelated to mission $0 · Unrelated business $0 · Excluded from tax $0$0

VIII-12 Total revenueRelated to mission $107,301 · Unrelated business $0 · Excluded from tax $0$107,301

Part IX · Statement of functional expenses $102,252 across 7 lines filed

IX-7 Other salaries and wagesPrograms $35,889$35,889

IX-10 Payroll taxesPrograms $2,784$2,784

IX-11c Accounting feesPrograms $167$167

IX-13 Office expensesPrograms $40,722$40,722

IX-16 OccupancyPrograms $2,161$2,161

IX-22 Depreciation, depletion and amortizationPrograms $807$807

IX-24 Other expenses (24a–d)Programs $19,722 · Management $0 · Fundraising $0$19,722

IX-25 Total functional expensesPrograms $102,252 · Management $0 · Fundraising $0$102,252

Part X · Balance sheet $1,555,029 assets, 17 lines filed

Asset lines not itemized here account for $1,110,532; see the IRS return.

X-1 Cash, non-interest-bearingStart of year $18,595$8,685

X-2 Savings and temporary cash investmentsStart of year $535,128$405,082

X-3 Pledges and grants receivableStart of year $0$0

X-4 Accounts receivableStart of year $67$66

X-8 Inventories for sale or useStart of year $0$0

X-9 Prepaid expenses and deferred chargesStart of year $0$0

X-10c Land, buildings and equipment, netStart of year $13,453$12,646

X-15 Other assetsStart of year $16,759$18,018

X-16 Total assetsStart of year $1,401,206$1,555,029

X-17 Accounts payable and accrued expensesStart of year $28,092$43,573

X-18 Grants payableStart of year $0$0

X-19 Deferred revenueStart of year $0$0

X-20 Tax-exempt bond liabilitiesStart of year $0$0

X-25 Other liabilitiesStart of year $1,299,066$1,432,006

X-26 Total liabilitiesStart of year $1,327,158$1,475,579

X-32 Total net assets or fund balancesStart of year $74,048$79,450

X-33 Total liabilities and net assetsStart of year $1,401,206$1,555,029

Part XI · Reconciliation of net assets $79,450 net assets at year end

XI-1 Total revenue$107,301

XI-2 Total expenses$102,252

XI-3 Revenue less expenses$5,049

XI-4 Net assets at start of year$74,048

XI-5 Net unrealized gains (losses) on investments$0

XI-6 Donated services and use of facilities$0

XI-7 Investment expenses$0

XI-8 Prior period adjustments$0

XI-9 Other changes in net assets$353

XI-10 Net assets at end of year$79,450

Form 990 e-file (XML) FY2021 from the IRS · Classification, formation year and address from the IRS Business Master File

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Enterprise Credit Union

Before you give

Is it real?

Where the money goes

Who runs it and what they're paid

Questions the 990 asks

Programs and updates

Questions for Enterprise Credit Union

By the numbers

Filing history

Schedules filed Part IV