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Northstar Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Category: Public, Society Benefit — Multipurpose and Other / Credit Unions (NTEE)

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$12M (2020)

Expenses
$10.3M (2020)

Total Assets
$212M (2020)

Total Liabilities
$188M (2020)

Source: Form 990 tax filings from 2011 to 2020

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,026,304
Expenses
$10,284,269
Net Income
$1,742,035
Net Assets
$23,355,126
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,393,509
94.7%
Investment Income $617,672
5.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $15,123
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,355,176
13.2%
Professional Fundraising Fees $0
Other Salaries and Wages $990,094
9.6%
Assets/Debt
Total Assets $211,754,900
Total Liabilities $188,399,774
Net Assets $23,355,126
Compensation
Key Employees and Officers Compensation Related Other
Lloyd Fredendall (Ceo) $795,680 $0 $130,983
Bikramjit Dhillon (Loan Officer) $210,670 $0 $24,287
Bernard Niewoehner Iv (Vice President) $156,821 $0 $14,088
Valerie Nicholson (Controller) $138,933 $0 $18,392
Lisa Kleven (Vice President) $131,879 $0 $18,565
Luz Castello (Vice President) $128,767 $0 $23,403
Cristen Austgen (Vice President) $103,000 $0 $16,342
Dennis Hughes (Treasurer) $0 $0 $0
Daniel Aloia (Director) $0 $0 $0
James Broz (Director) $0 $0 $0
Robert Collins (Secretary) $0 $0 $0
Joseph Joseph (Chair) $0 $0 $0
Tim Keefe (Director) $0 $0 $0
Gregory Zilinsky (Vice Chair) $0 $0 $0
George Fiegle (Director) $0 $0 $0
Jill Versace (Director) $0 $0 $0
Rowena Torres Ordonez (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,962,869
Expenses
$9,862,435
Net Income
$1,100,434
Net Assets
$21,582,079
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,081,837
92.0%
Investment Income $855,890
7.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $25,142
0.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,007,486
10.2%
Professional Fundraising Fees $0
Other Salaries and Wages $1,323,489
13.4%
Assets/Debt
Total Assets $183,562,695
Total Liabilities $161,980,616
Net Assets $21,582,079
Compensation
Key Employees and Officers Compensation Related Other
Lloyd Fredendall (Ceo) $246,251 $0 $124,469
Bernard Niewoehner Iv (Vice President) $131,406 $0 $12,274
Valerie Nicholson (Controller) $116,570 $0 $17,006
Lisa Kleven (Vice President) $112,368 $0 $17,511
Luz Castello (Vice President) $107,958 $0 $24,650
Cristen Austgen (Vice President) $80,698 $0 $16,325
Dennis Hughes (Treasurer) $0 $0 $0
Daniel Aloia (Director) $0 $0 $0
James Broz (Director) $0 $0 $0
Robert Collins (Secretary) $0 $0 $0
Joseph Joseph (Chair) $0 $0 $0
Tim Keefe (Director) $0 $0 $0
Gregory Zilinsky (Vice Chair) $0 $0 $0
George Fiegle (Director) $0 $0 $0
Jill Versace (Director) $0 $0 $0
Rowena Torres Ordonez (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,066,037
Expenses
$9,132,507
Net Income
$933,530
Net Assets
$20,452,711
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,314,816
92.5%
Investment Income $746,657
7.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $4,564
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $822,389
9.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,556,631
17.0%
Assets/Debt
Total Assets $169,802,214
Total Liabilities $149,349,503
Net Assets $20,452,711
Compensation
Key Employees and Officers Compensation Related Other
Lloyd Fredendall (Ceo) $239,645 $0 $120,338
James Dean (President) $129,609 $0 $18,461
Bernard Niewoehner Iv (Vice President) $116,384 $0 $11,029
Valerie Nicholson (Controller) $113,896 $0 $16,689
Luz Castello (Vice President) $113,188 $0 $9,967
Lisa Kleven (Vice President) $109,667 $0 $17,047
Dennis Hughes (Treasurer) $0 $0 $0
Daniel Aloia (Director) $0 $0 $0
James Broz (Director) $0 $0 $0
Robert Collins (Secretary) $0 $0 $0
Joseph Joseph (Chair) $0 $0 $0
Tim Keefe (Director) $0 $0 $0
Gregory Zilinsky (Vice Chair) $0 $0 $0
George Fiegle (Director) $0 $0 $0
Jill Versace (Director) $0 $0 $0
Rowena Torres Ordonez (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,538,887
Expenses
$8,271,806
Net Income
$1,267,081
Net Assets
$19,433,157
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,597,112
90.1%
Investment Income $674,782
7.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $266,993
2.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $621,775
7.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,685,495
20.4%
Assets/Debt
Total Assets $167,243,081
Total Liabilities $147,809,924
Net Assets $19,433,157
Compensation
Key Employees and Officers Compensation Related Other
Lloyd Fredendall (Ceo) $259,785 $0 $118,658
James Dean (President) $210,033 $0 $33,299
Bernard Niewoehner Iv (Vice President) $126,183 $0 $11,895
Valerie Nicholson (Controller) $125,276 $0 $17,537
Luz Castello (Vice President) $120,322 $0 $10,336
Lisa Kleven (Vice President) $116,772 $0 $17,146
Robert Collins (Secretary) $1,650 $0 $0
Dennis Hughes (Treasurer) $0 $0 $0
Bruce Bragg (Director) $0 $0 $0
Daniel Aloia (Director) $0 $0 $0
James Broz (Director) $0 $0 $0
Joseph Joseph (Chair) $0 $0 $0
Tim Keefe (Director) $0 $0 $0
Kevin Menzer (Director) $0 $0 $0
Gregory Zilinsky (Vice Chair) $0 $0 $0
Greorge Fiegle (Director) $0 $0 $0
Jill Versace (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,426,651
Expenses
$6,542,773
Net Income
$883,878
Net Assets
$18,160,785
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,873,032
92.5%
Investment Income $538,875
7.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $14,744
0.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,836,977
28.1%
Assets/Debt
Total Assets $160,750,212
Total Liabilities $142,589,427
Net Assets $18,160,785
Compensation
Key Employees and Officers Compensation Related Other
Lloyd Fredendall (Ceo) $229,721 $0 $110,272
Valerie Nicholson (Controller) $128,003 $0 $16,836
Bernard Niewoehner Iv (Vice President) $111,148 $0 $10,350
James Dean (Vice President) $107,831 $0 $18,688
Luz Castello (Vice President) $105,882 $0 $9,069
Lisa Kleven (Vice President) $105,767 $0 $18,078
Dennis Hughes (Treasurer) $0 $0 $0
Bruce Bragg (Director) $0 $0 $0
Daniel Aloia (Director) $0 $0 $0
James Broz (Director) $0 $0 $0
Robert Collins (Secretary) $0 $0 $0
Joseph Joseph (Chair) $0 $0 $0
Tim Keefe (Director) $0 $0 $0
Kevin Menzer (Director) $0 $0 $0
Gregory Zilinsky (Vice Chair) $0 $0 $0
Greorge Fiegle (Director) $0 $0 $0
Jill Versace (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,874,926
Expenses
$4,821,679
Net Income
$1,053,247
Net Assets
$10,426,652
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,407,061
92.0%
Investment Income $431,277
7.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $4,862
0.1%
Net Fundraising $0
Sales of Assets $31,726
0.5%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,378,342
28.6%
Assets/Debt
Total Assets $110,703,020
Total Liabilities $100,276,368
Net Assets $10,426,652
Compensation
Key Employees and Officers Compensation Related Other
Lloyd Fredendall (Ceo) $209,251 $0 $104,461
Bernard Niewoehner Iv (Vice President) $105,331 $0 $10,158
Dennis Hughes (Treasurer) $0 $0 $0
Bruce Bragg (Director) $0 $0 $0
Deenna Adamson (Director) $0 $0 $0
Mario Bilbao (Director) $0 $0 $0
Robert Collins (Secretary) $0 $0 $0
Joseph Joseph (Chair) $0 $0 $0
Gerald Katzman (Director) $0 $0 $0
Jill Versace (Director) $0 $0 $0
Gregory Zilinsky (Vice Chair) $0 $0 $0
Greorge Fiegle (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,220,990
Expenses
$4,496,142
Net Income
$724,848
Net Assets
$9,388,368
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,858,745
93.1%
Investment Income $421,757
8.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $4,302
0.1%
Net Fundraising $0
Sales of Assets -$63,814
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,288,227
28.7%
Assets/Debt
Total Assets $100,006,260
Total Liabilities $90,617,892
Net Assets $9,388,368
Compensation
Key Employees and Officers Compensation Related Other
Lloyd Fredendall (Ceo) $197,736 $0 $97,619
Robert Foguth (Director) $0 $0 $0
Dennis Hughes (Treasurer) $0 $0 $0
Bruce Bragg (Director) $0 $0 $0
Deenna Adamson (Director) $0 $0 $0
Mario Bilbao (Director) $0 $0 $0
Robert Collins (Director) $0 $0 $0
Joseph Joseph (Chair) $0 $0 $0
Gerald Katzman (Director) $0 $0 $0
Jill Versace (Director) $0 $0 $0
Gregory Zilinsky (Vice Chair) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,665,762
Expenses
$4,219,157
Net Income
$446,605
Net Assets
$8,663,520
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,378,645
72.4%
Investment Income $402,646
8.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,459
0.0%
Net Inventory Sales $0
Other Revenue $883,012
18.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $279,180
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,128,955
26.8%
Assets/Debt
Total Assets $92,635,299
Total Liabilities $83,971,779
Net Assets $8,663,520
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Lloyd Fredendall (President/Ceo) $187,048 $0 $91,411
Cherlyn Bradley (Secretary) $1,800 $0 $0
Bruce Bragg (Director) $0 $0 $0
Robert Foguth (Director) $0 $0 $0
Dennis Hughes (Treasurer) $0 $0 $0
Deenna Adamson (Director) $0 $0 $0
Mario Bilbao (Director) $0 $0 $0
Robert Collins (Director) $0 $0 $0
Joe Joseph (Chairperson) $0 $0 $0
Gerald Katzman (Director) $0 $0 $0
Jill Versace (Director) $0 $0 $0
Gregory Zilinsky (Vice Chairperson) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,349,381
Expenses
$4,168,979
Net Income
$180,402
Net Assets
$6,386,263
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,247,686
74.7%
Investment Income $334,574
7.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $767,121
17.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $264,244
6.3%
Professional Fundraising Fees $0
Other Salaries and Wages $996,534
23.9%
Assets/Debt
Total Assets $81,885,693
Total Liabilities $75,499,430
Net Assets $6,386,263

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,523,156
Expenses
$4,276,434
Net Income
$246,722
Net Assets
$6,205,861
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,358,991
74.3%
Investment Income $341,182
7.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $9,644
0.2%
Net Inventory Sales $0
Other Revenue $813,339
18.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $249,274
5.8%
Professional Fundraising Fees $0
Other Salaries and Wages $909,786
21.3%
Assets/Debt
Total Assets $75,979,414
Total Liabilities $69,773,553
Net Assets $6,205,861

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

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For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
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  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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