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NORTHERN COMMUNITIES CREDIT UNION

EIN 41-0225925 DULUTH, MN

Revenue 2024
$7,313,509
Expenses 2024
$6,102,698

Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Classification
1000
Street
3311 W ARROWHEAD RD

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of CREDIT UNIONS IN THE STATE OF MINNESOTA (EIN 41-6053882). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Mission and programs · 2024

Mission

TO PROMOTE MEMBER SUCCESS BY MEETING THEIR CHANGING FINANCIAL NEEDS.

  • 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.

  • .

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Trina Hoff

    PRESIDENT/CE

    Total calculated
    $412,375
    From this org
    $332,557
    From related orgs
    $0
    Other
    $79,818
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $170,701
    Bonus
    $22,500
    Other
    $139,356
    Deferred
    $48,716
    Nontaxable benefits
    $31,102
    Filer's total
    $412,375
  • Anitta Chandler

    COO

    Total calculated
    $193,237
    From this org
    $165,039
    From related orgs
    $0
    Other
    $28,198
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $111,703
    Bonus
    $9,000
    Other
    $44,336
    Deferred
    $25,434
    Nontaxable benefits
    $2,764
    Filer's total
    $193,237
  • Shannon Lundquist

    VP LENDING

    Total calculated
    $164,067
    From this org
    $137,101
    From related orgs
    $0
    Other
    $26,966
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $91,735
    Bonus
    $7,700
    Other
    $37,666
    Deferred
    $13,599
    Nontaxable benefits
    $13,367
    Filer's total
    $164,067
  • Dirk Davis

    VICE CHAIR

    Total calculated
    $2,202
    From this org
    $2,136
    From related orgs
    $0
    Other
    $66
    Hours/week
    0.5
  • John Lindquist

    DIRECTOR

    Total calculated
    $1,325
    From this org
    $1,259
    From related orgs
    $0
    Other
    $66
    Hours/week
    0.5
  • George Walters

    DIRECTOR

    Total calculated
    $1,062
    From this org
    $996
    From related orgs
    $0
    Other
    $66
    Hours/week
    0.5
  • Shawn Herhusky

    CHAIR

    Total calculated
    $550
    From this org
    $484
    From related orgs
    $0
    Other
    $66
    Hours/week
    0.5
  • Karen Erickson

    DIRECTOR

    Total calculated
    $531
    From this org
    $465
    From related orgs
    $0
    Other
    $66
    Hours/week
    0.5
  • James Kroll

    DIRECTOR

    Total calculated
    $475
    From this org
    $409
    From related orgs
    $0
    Other
    $66
    Hours/week
    0.5
  • Ruth Hemming

    SECRETARY

    Total calculated
    $394
    From this org
    $328
    From related orgs
    $0
    Other
    $66
    Hours/week
    0.5
  • Charles Schumacher

    DIRECTOR

    Total calculated
    $349
    From this org
    $283
    From related orgs
    $0
    Other
    $66
    Hours/week
    0.5
  • Robert McCubbin

    DIRECTOR

    Total calculated
    $300
    From this org
    $234
    From related orgs
    $0
    Other
    $66
    Hours/week
    0.5

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $7,313,509
    Expenses
    $6,102,698
    Contributions
    $8,000
    Grants paid
    $6,904
  • 2023
    Revenue
    $6,189,475
    Expenses
    $5,066,076
    Contributions
    $5,375
    Grants paid
    $10,296
  • 2022
    Revenue
    $4,887,350
    Expenses
    $4,164,127
    Contributions
    $2,350
    Grants paid
    $6,805

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $4,585,811
    Expenses
    $3,557,760
    Assets (EOY)
    $101,821,358
  • 2020 · 990

    Revenue
    $4,233,203
    Expenses
    $3,435,385
    Assets (EOY)
    $89,854,744
  • 2019 · 990

    Revenue
    $4,305,352
    Expenses
    $3,324,208
    Assets (EOY)
    $75,737,048
  • 2018 · 990

    Revenue
    $3,985,809
    Expenses
    $3,107,898
    Assets (EOY)
    $73,538,535
  • 2017 · 990

    Revenue
    $3,623,610
    Expenses
    $3,161,020
    Assets (EOY)
    $72,445,089
  • 2016 · 990

    Revenue
    $3,507,178
    Expenses
    $3,393,175
    Assets (EOY)
    $71,599,116
  • 2015 · 990

    Revenue
    $3,617,270
    Expenses
    $3,586,928
    Assets (EOY)
    $71,581,899
  • 2014 · 990

    Revenue
    $3,571,501
    Expenses
    $4,139,858
    Assets (EOY)
    $70,804,340
  • 2013 · 990

    Revenue
    $3,583,432
    Expenses
    $3,560,145
    Assets (EOY)
    $71,054,873
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $4,073,910
    Assets (EOY)
    $73,024,140

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Form 990-N e-Postcard, tax year 2008

Tax period
1 January 2008 to 31 December 2008
Principal officer
Edward Carlson
Mailing address
827 North Robin AveDuluth MN 55811
Doing business as
Minnesota Arrowhead Public Employees Retirement Association AFSCME Minnesota Retiree Chapter 96

As filed, from the IRS e-Postcard file of 26 October 2026. The IRS publishes only each organization's most recent postcard, so earlier years are not shown. A 990-N carries no financial detail. The postcard also gives the principal officer's address, which is not shown here.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.