BEAR PAW CREDIT UNION

Address
201 SECOND STREET
HAVRE, MT 59501
Contact
Website: http://www.bearpawcu.org
Phone: +1 (406) 265-9626
Nonprofit
NTEE: W61 - Credit Unions
EIN: 81-0264486

Mission

OUR CREDIT UNION IS A NOT-FOR-PROFIT MEMBER OWNED FINANCIAL ORGANIZATION. OUR GOALS ARE TO PROVIDE THE BEST POSSIBLE FINANCIAL SERVICES TO OUR MEMBERS AT COMPETITIVE RATES AND TO PROMOTE THRIFT AND SOUND FINANCIAL MANAGEMENT.
 20172016201520142013
Basic features of the organization
Year of formation1942
Form of organization
CorporationTrue
Human resources, including compensation
Summary compensation info
Total compensation of current key personnel$215,588.00$160,395.00$153,175.00$291,553.00$277,472.00
Sum of reportable (W2/1099) compensation$417,809.00$393,409.00$380,840.00$291,553.00$277,472.00
Number of employees4344414238
Number of people compensated >$100k33321
Number of volunteers00000
Number of highly compensated contractors10000
Personnel
Brandon, Jennifer
Title    ASSOCIATE DIRECTOR
Name of key/compensated person    JENNIFER BRANDON
Position of compensated person
Current individual trustee or director    True
Average hours per week working for org    1.00
Reportable compensation from org    $0.00
Other comp, non-reportable, from org and related orgs    $0.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Fladager, Willard
TitleSECRETARY/TREASURERSECRETARY/TREASURERSECRETARY/TREASURERSECRETARY/TREASURERSECRETARY/TREASURER
Name of key/compensated personWILLARD FLADAGERWILLARD FLADAGERWILLARD FLADAGERWILLARD FLADAGERWILLARD FLADAGER
Position of compensated person
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Jensen, Jeff
TitleVICE CHAIRMANVICE CHAIRMANVICE CHAIRMANVICE CHAIRMANVICE CHAIRMAN
Name of key/compensated personJEFF JENSENJEFF JENSENJEFF JENSENJEFF JENSENJEFF JENSEN
Position of compensated person
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Jensen, Jeremy
TitleASSOCIATE DIRECTORASSOCIATE DIRECTORASSOCIATE DIRECTOR  
Name of key/compensated personJEREMY JENSENJEREMY JENSENJEREMY JENSEN  
Position of compensated person
Current individual trustee or directorTrueTrueTrue  
Average hours per week working for org1.001.001.00  
Reportable compensation from org$0.00$0.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00  
Keller, Lorrie
Title   ASSOCIATE DIRECTORASSOCIATE DIRECTOR
Name of key/compensated person   LORRIE KELLERLORRIE KELLER
Position of compensated person
Current individual trustee or director   TrueTrue
Average hours per week working for org   1.001.00
Reportable compensation from org   $0.00$0.00
Other comp, non-reportable, from org and related orgs   $0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00$0.00
McLain, Tracy
TitleBOARD MEMBERBOARD MEMBERBOARD MEMBERBOARD MEMBERBOARD MEMBER
Name of key/compensated personTRACY MCLAINTRACY MCLAINTRACY MCLAINTRACY MCLAINTRACY MCLAIN
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Overlie, Darren
TitleBOARD MEMBERBOARD MEMBERBOARD MEMBERBOARD MEMBERBOARD MEMBER
Name of key/compensated personDARREN OVERLIEDARREN OVERLIEDARREN OVERLIEDARREN OVERLIEDARREN OVERLIE
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Patrick, Jennifer
Title ASSOCIATE DIRECTORASSOCIATE DIRECTORASSOCIATE DIRECTOR 
Name of key/compensated person JENNIFER PATRICKJENNIFER PATRICKJENNIFER PATRICK 
Position of compensated person
Current individual trustee or director TrueTrueTrue 
Average hours per week working for org 1.001.001.00 
Reportable compensation from org $0.00$0.00$0.00 
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00 
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00 
Peterson, Dave
TitleBOARD MEMBERBOARD MEMBERBOARD MEMBERBOARD MEMBERBOARD MEMBER
Name of key/compensated personDAVE PETERSONDAVE PETERSONDAVE PETERSONDAVE PETERSONDAVE PETERSON
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Stone, Roger
TitleEMPLOYEEEMPLOYEEEMPLOYEE  
Name of key/compensated personROGER STONEROGER STONEROGER STONE  
Position of compensated person
Average hours per week working for org40.0040.0040.00  
Reportable compensation from org$111,764.00$102,576.00$100,111.00  
Other comp, non-reportable, from org and related orgs$21,528.00$6,906.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00  
Swenson, Lowell
TitleCHAIRMANCHAIRMANCHAIRMANCHAIRMANCHAIRMAN
Name of key/compensated personLOWELL SWENSONLOWELL SWENSONLOWELL SWENSONLOWELL SWENSONLOWELL SWENSON
Position of compensated person
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Veiss, Gerry
TitleVICE PRESIDENTVICE PRESIDENTVICE PRESIDENTVICE PRESIDENT 
Name of key/compensated personGERRY VEISSGERRY VEISSGERRY VEISSGERRY VEISS 
Position of compensated person
Average hours per week working for org40.0040.0040.0040.00 
Reportable compensation from org$138,472.00$130,438.00$129,890.00$106,393.00 
Other comp, non-reportable, from org and related orgs$37,370.00$9,165.00$290.00$8,705.00 
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00 
Veiss, Jerry
Title    VICE PRESIDENT
Name of key/compensated person    JERRY VEISS
Position of compensated person
Average hours per week working for org    40.00
Reportable compensation from org    $97,515.00
Other comp, non-reportable, from org and related orgs    $8,003.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Vukasin, Albert
TitlePRESIDENT/CEOPRESIDENT/CEOMANAGER/CEOMANAGER/CEOMANAGER/CEO
Name of key/compensated personALBERT J VUKASIN JRALBERT J VUKASIN JRALBERT J VUKASIN JRALBERT J VUKASIN JRALBERT J VUKASIN JR
Position of compensated person
Average hours per week working for org40.0040.0040.0040.0040.00
Reportable compensation from org$167,573.00$160,395.00$150,839.00$185,160.00$179,957.00
Other comp, non-reportable, from org and related orgs$48,015.00$11,214.00$2,336.00$14,512.00$13,996.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Wirtzberger, Cal
TitleBOARD MEMBERBOARD MEMBERBOARD MEMBERBOARD MEMBERASSOCIATE DIRECTOR
Name of key/compensated personCAL WIRTZBERGERCAL WIRTZBERGERCAL WIRTZBERGERCAL WIRTZBERGERCAL WIRTZBERGER
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrue 
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Wolf, Elmer
TitleASSOCIATE DIRECTORASSOCIATE DIRECTORASSOCIATE DIRECTORASSOCIATE DIRECTORBOARD MEMBER
Name of key/compensated personELMER W WOLFELMER W WOLFELMER W WOLFELMER W WOLFELMER W WOLF
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Purpose: mission, activities, & accomplishments
Mission or significant activitiesCONSUMER (MEMBER) FINANCIAL SERVICESCONSUMER (MEMBER) FINANCIAL SERVICESCONSUMER (MEMBER) FINANCIAL SERVICESCONSUMER (MEMBER) FINANCIAL SERVICESCONSUMER (MEMBER) FINANCIAL SERVICES
Programs, including revenue & expenses
PRIMARY FINANCIAL SERVICES INCLUDE MEMBER SAVINGS AND LENDING. ADDITIONAL SERVICES PROVIDED INCLUDED COUNSELING, FINANCIAL EDUCATION, NEWSLETTERS, DEPOSIT AND LOAN INSURANCE PROTECTION, AND CONSUMER EDUCATION.
Program descriptionPRIMARY FINANCIAL SERVICES INCLUDE MEMBER SAVINGS AND LENDING. ADDITIONAL SERVICES PROVIDED INCLUDED COUNSELING, FINANCIAL EDUCATION, NEWSLETTERS, DEPOSIT AND LOAN INSURANCE PROTECTION, AND CONSUMER EDUCATION.PRIMARY FINANCIAL SERVICES INCLUDE MEMBER SAVINGS AND LENDING. ADDITIONAL SERVICES PROVIDED INCLUDED COUNSELING, FINANCIAL EDUCATION, NEWSLETTERS, DEPOSIT AND LOAN INSURANCE PROTECTION, AND CONSUMER EDUCATION.PRIMARY FINANCIAL SERVICES INCLUDE MEMBER SAVINGS AND LENDING. ADDITIONAL SERVICES PROVIDED INCLUDED COUNSELING, FINANCIAL EDUCATION, NEWSLETTERS, DEPOSIT AND LOAN INSURANCE PROTECTION, AND CONSUMER EDUCATION.PRIMARY FINANCIAL SERVICES INCLUDE MEMBER SAVINGS AND LENDING. ADDITIONAL SERVICES PROVIDED INCLUDED COUNSELING, FINANCIAL EDUCATION, NEWSLETTERS, DEPOSIT AND LOAN INSURANCE PROTECTION, AND CONSUMER EDUCATION.PRIMARY FINANCIAL SERVICES INCLUDE MEMBER SAVINGS AND LENDING. ADDITIONAL SERVICES PROVIDED INCLUDED COUNSELING, FINANCIAL EDUCATION, NEWSLETTERS, DEPOSIT AND LOAN INSURANCE PROTECTION, AND CONSUMER EDUCATION.
Financial data
Revenue
Total revenue$4,934,522.00$4,955,581.00$4,688,850.00$4,862,448.00$4,985,483.00
Revenue from contributions (total)    $0.00
Investment income, current yr$0.00$0.00$0.00$0.00$0.00
Total revenue from grants, etc., current yr$0.00$0.00$0.00$0.00$0.00
Total unrelated business revenue$34,514.00$72,705.00$24,566.00$39,266.00$0.00
Other revenue, current yr$20,029.00$96,897.00-$26,700.00$23,721.00$16,752.00
Net unrelated business taxable revenue$16,744.00$15,177.00$4,207.00$6,547.00$0.00
Program service revenue (total)$4,914,493.00$4,858,684.00$4,715,550.00$4,838,727.00$4,968,731.00
Gross receipts$4,934,522.00$4,955,581.00$4,688,850.00$4,862,448.00$4,985,483.00
Other types of revenue
Miscellaneous revenue (total)$20,029.00$96,897.00-$26,700.00$23,721.00$16,752.00
Net rental income    $0.00
Expense categories (totals)
Total functional expenses: sum of all$5,042,947.00$4,748,725.00$4,543,585.00$4,352,357.00$4,602,550.00
Fees for services
Fundraising service fees (total)$0.00$0.00$0.00$0.00$0.00
Assets and liabilities
Total assets$117,724,544.00$116,877,144.00$114,705,919.00$104,624,227.00$99,291,140.00
Total assets, beginning of year$116,877,144.00$114,705,919.00$104,624,227.00$99,291,140.00$94,899,869.00
Total liabilities$951,353.00$672,957.00$583,541.00$562,599.00$637,220.00
Total liabilities, beginning of year$672,957.00$583,541.00$562,599.00$637,220.00$509,679.00
Net assets$116,773,191.00$116,204,187.00$114,122,378.00$104,061,628.00$98,653,920.00
Net assets, beginning of year$116,204,187.00$114,122,378.00$104,061,628.00$98,653,920.00$94,390,190.00
Other liabilities$848,100.00$548,969.00$454,747.00$536,773.00$569,663.00
Other assets$1,206,514.00$1,120,364.00$1,093,364.00$1,104,334.00$1,060,577.00
Cash: non-interest bearing$18,954,394.00$20,923,802.00$20,124,509.00$15,981,650.00$22,802,040.00
Cash: non-interest bearing, beginning of year$20,923,802.00$20,124,509.00$15,981,650.00$22,802,040.00$27,712,720.00
Other financial variables
Revenue less expenses-$108,425.00$206,856.00$145,265.00$510,091.00$382,933.00
Savings & temp cash investment$38,912,444.00$35,556,444.00$35,293,444.00$26,978,444.00$16,945,912.00
Prepaid expenses & deferred charges$1,360,303.00$1,130,960.00$1,041,691.00$1,103,230.00$967,728.00
Accounts payable & accrued expenses$103,253.00$123,988.00$128,794.00$25,826.00$67,557.00
Total net assets or fund balances$116,773,191.00$116,204,187.00$114,122,378.00$104,061,628.00$98,653,920.00
Governance and accountability
Number of voting members77777
Number of independent voting members77777
Financial sheets audited TrueTrueTrueTrue
Accrual accountingTrueTrueTrueTrueTrue
Tax year start date2017-01-012016-01-012015-01-012014-01-012013-01-01
Tax year end date2017-12-012016-12-012015-12-012014-12-012013-12-01
Metadata about the filing
E-return type: 990, 990EZ, or 990PF990990990990990
Date e-filing submitted2018-10-112018-01-102017-03-082015-09-302014-10-22
IRS schema version2017v2.22016v3.02015v2.12014v5.02013v3.0
Filing identifier201831359349302483201713199349306491201603209349303635201512409349300141201401969349300730
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