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North Star Credit Union

Organization summary

Type of Nonprofit

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

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$5.96M (2024)

Expenses
$6.08M (2024)

Total Assets
$105M (2024)

Total Liabilities
$96.1M (2024)

Source: Form 990 tax filings from 2011 to 2024

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.
2024

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,959,335
Expenses
$6,080,636
Net Income
-$121,301
Net Assets
$9,216,541
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,463,978
91.7%
Investment Income $441,119
7.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$12,639
Net Inventory Sales $0
Other Revenue $66,877
1.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $277,327
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,748,862
28.8%
Assets/Debt
Total Assets $105,276,923
Total Liabilities $96,060,382
Net Assets $9,216,541
Compensation
Key Employees and Officers Compensation Related Other
Jennifer Stedt (Ceo/Treasurer) $165,578 $0 $27,537
Jennifer Judas (Vp Of Accounting) $111,750 $0 $35,127
Stephanie Burckhardt (Vp Mortgage Lending) $106,357 $0 $33,274
Alicia Dahl (Vp Business Services) $105,606 $0 $22,762
Lara Whiteside (Chair) $0 $0 $0
Vicki Schelde (Vice Chair) $0 $0 $0
Marge Rinne (Director) $0 $0 $0
John Korpi (Secretary) $0 $0 $0
Jodie Pierce (Director) $0 $0 $0
Josh Svedberg (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,369,459
Expenses
$4,650,478
Net Income
$718,981
Net Assets
$9,337,842
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,727,285
88.0%
Investment Income $122,752
2.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $502,837
9.4%
Net Inventory Sales $0
Other Revenue $16,585
0.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $264,869
5.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,607,339
34.6%
Assets/Debt
Total Assets $97,170,448
Total Liabilities $87,832,606
Net Assets $9,337,842
Compensation
Key Employees and Officers Compensation Related Other
Jennifer Stedt (Ceo/Treasurer) $155,667 $0 $24,886
Stephanie Burckhardt (Vp Mortgage Lending) $114,290 $0 $30,327
Jennifer Judas (Vp Of Accounting) $109,202 $0 $31,298
Alicia Dahl (Vp Business Services) $102,227 $0 $20,593
Lara Whiteside (Vice Chair) $0 $0 $0
Vicki Schelde (Secretary) $0 $0 $0
Marge Rinne (Chair) $0 $0 $0
John Korpi (Director) $0 $0 $0
Jodie Pierce (Director) $0 $0 $0
Josh Svedberg (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,235,366
Expenses
$3,574,264
Net Income
$661,102
Net Assets
$8,618,861
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,190,877
98.9%
Investment Income $62,258
1.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$94,076
Net Inventory Sales $0
Other Revenue $76,307
1.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $337,538
9.4%
Professional Fundraising Fees $0
Other Salaries and Wages $1,236,675
34.6%
Assets/Debt
Total Assets $90,931,796
Total Liabilities $82,312,935
Net Assets $8,618,861
Compensation
Key Employees and Officers Compensation Related Other
Rich Crettol (Ceo/Treasurer (Former)) $202,257 $0 $31,740
Jennifer Stedt (Ceo/Treasurer) $135,281 $0 $22,874
Lara Whiteside (Secretary) $0 $0 $0
William Conner (Director) $0 $0 $0
Vicki Schelde (Director) $0 $0 $0
Marge Rinne (Vice Chair) $0 $0 $0
John Korpi (Chair) $0 $0 $0
Kristen Zigan (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,205,366
Expenses
$3,124,660
Net Income
$1,080,706
Net Assets
$7,957,759
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,003,728
95.2%
Investment Income $12,533
0.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $189,105
4.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $312,878
10.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,119,008
35.8%
Assets/Debt
Total Assets $84,380,411
Total Liabilities $76,422,652
Net Assets $7,957,759
Compensation
Key Employees and Officers Compensation Related Other
Rich Crettol (Ceo/Treasurer) $193,069 $0 $33,287
Jennifer Stedt (Coo) $119,809 $0 $21,355
Lara Whiteside (Director) $0 $0 $0
William Conner (Vice Chair) $0 $0 $0
Vicki Schelde (Chair) $0 $0 $0
Marge Rinne (Director) $0 $0 $0
John Korpi (Secretary) $0 $0 $0
Kristen Zigan (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,725,903
Expenses
$3,101,445
Net Income
$624,458
Net Assets
$6,878,573
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,659,570
98.2%
Investment Income $31,310
0.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $35,023
0.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $272,188
8.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,175,834
37.9%
Assets/Debt
Total Assets $70,279,609
Total Liabilities $63,401,036
Net Assets $6,878,573
Compensation
Key Employees and Officers Compensation Related Other
Rich Crettol (Ceo/Treasurer) $157,448 $0 $31,973
Jennifer Stedt (Coo) $114,740 $0 $20,168
Lara Whiteside (Director) $0 $0 $0
William Conner (Vice Chair) $0 $0 $0
Vicki Schelde (Chair) $0 $0 $0
Pete Niska (Secretary) $0 $0 $0
Marge Rinne (Director) $0 $0 $0
John Korpi (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,388,642
Expenses
$2,783,169
Net Income
$605,473
Net Assets
$6,254,875
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,308,346
97.6%
Investment Income $49,274
1.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $7,131
0.2%
Net Inventory Sales $0
Other Revenue $23,891
0.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $256,091
9.2%
Professional Fundraising Fees $0
Other Salaries and Wages $951,391
34.2%
Assets/Debt
Total Assets $59,776,837
Total Liabilities $53,521,962
Net Assets $6,254,875
Compensation
Key Employees and Officers Compensation Related Other
Rich Crettol (Ceo/Treasurer) $146,991 $0 $31,145
Jennifer Stedt (Coo) $109,100 $0 $19,364
Lara Whiteside (Director) $0 $0 $0
William Conner (Vice Chair) $0 $0 $0
Vicki Schelde (Chair) $0 $0 $0
Pete Niska (Secretary) $0 $0 $0
Marge Rinne (Director) $0 $0 $0
John Korpi (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,858,324
Expenses
$2,671,818
Net Income
$186,506
Net Assets
$5,644,192
Notable Sources of Revenue Percent of Total Revenue
Contributions $13,500
0.5%
Program Services $2,719,530
95.1%
Investment Income $74,184
2.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $12,677
0.4%
Net Inventory Sales $0
Other Revenue $38,433
1.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $268,616
10.1%
Professional Fundraising Fees $0
Other Salaries and Wages $817,359
30.6%
Assets/Debt
Total Assets $54,435,415
Total Liabilities $48,791,223
Net Assets $5,644,192
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Rich Crettol (Ceo) $147,770 $0 $29,230
Jennifer Stedt (Coo) $105,481 $0 $18,500
Tom Beaudry (Insurance Agent) $100,923 $0 $17,967
Marla Kahn (Supervisory Committee Member) $2,472 $0 $0
Robert Champa (Alco And Supervisory Committee Member) $2,406 $0 $0
William Conner (Board Member) $1,992 $0 $0
Jody Refsdal (Supervisory Committee Member) $1,981 $0 $0
Lara Whiteside (Board Member) $1,613 $0 $0
Pete Niska (Board Member) $1,540 $0 $0
Vicki Schelde (Board Member) $1,538 $0 $0
Jeff Ross (Board Member) $1,448 $0 $0
Margaret Rinne (Alco Committee Member) $375 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,234,546
Expenses
$2,001,984
Net Income
$232,562
Net Assets
$4,707,269
Notable Sources of Revenue Percent of Total Revenue
Contributions $9,000
0.4%
Program Services $2,171,597
97.2%
Investment Income $58,262
2.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$4,313
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $209,413
10.5%
Professional Fundraising Fees $0
Other Salaries and Wages $606,425
30.3%
Assets/Debt
Total Assets $45,175,698
Total Liabilities $40,468,429
Net Assets $4,707,269
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Rich Crettol (Ceo) $142,267 $0 $38,860
Jennifer Stedt (Coo) $53,842 $0 $10,782
Robert Champa (Alco And Supervisory Committee Member) $2,375 $0 $0
Marla Kahn (Supervisory Committee Member) $2,000 $0 $0
Karen Lind (Supervisory Committee Member) $1,588 $0 $0
William Conner (Board Member) $1,503 $0 $0
Vicki Schelde (Board Member) $1,388 $0 $0
Pete Niska (Board Member) $1,353 $0 $0
Lara Whiteside (Board Member) $1,238 $0 $0
Tom Beaudry (Board Member) $1,163 $0 $0
Margaret Rinne (Alco Committee Member) $350 $0 $0
Jody Refsdal (Supervisory Committee Member) $213 $0 $0
Jeff Ross (Board Member) $133 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,984,422
Expenses
$1,618,707
Net Income
$365,715
Net Assets
$3,909,713
Notable Sources of Revenue Percent of Total Revenue
Contributions $9,000
0.5%
Program Services $1,949,220
98.2%
Investment Income $26,202
1.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $137,189
8.5%
Professional Fundraising Fees $0
Other Salaries and Wages $500,835
30.9%
Assets/Debt
Total Assets $37,284,331
Total Liabilities $33,374,618
Net Assets $3,909,713
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Rich Crettol (Ceo) $123,486 $0 $18,076
Robert Champa (Alco And Supervisory Committee Member) $2,738 $0 $0
Marla Kahn (Supervisory Committee Member) $2,483 $0 $0
Karen Lind (Supervisory Committee Member) $2,025 $0 $0
William Conner (Board Member) $1,617 $0 $0
Lara Whiteside (Board Secretary) $1,150 $0 $0
Peter Niska (Board Chair) $1,055 $0 $0
Vicki Schelde (Board Member) $863 $0 $0
Thomas Beaudry (Board Vice Chair) $850 $0 $0
Margaret Rinne (Alco And Credit Committee Member) $625 $0 $0
Leo Wilenius (Credit Committee Member) $297 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,808,413
Expenses
$1,428,725
Net Income
$379,688
Net Assets
$3,543,997
Notable Sources of Revenue Percent of Total Revenue
Contributions $9,000
0.5%
Program Services $1,771,880
98.0%
Investment Income $27,533
1.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $230,270
16.1%
Professional Fundraising Fees $0
Other Salaries and Wages $296,406
20.7%
Assets/Debt
Total Assets $35,184,098
Total Liabilities $31,640,101
Net Assets $3,543,997

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,528,833
Expenses
$1,177,257
Net Income
$351,576
Net Assets
$3,173,311
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,497,365
97.9%
Investment Income $31,468
2.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $220,093
18.7%
Professional Fundraising Fees $0
Other Salaries and Wages $256,322
21.8%
Assets/Debt
Total Assets $30,152,823
Total Liabilities $26,979,512
Net Assets $3,173,311
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Rich Crettol (Ceo) $117,032 $0 $0
Sue Carstens (Coo) $48,664 $0 $0
Myrna Malm (Cfo) $39,701 $0 $0
Robert Champa (Supervisory Committee) $2,413 $0 $0
Marla Kahn (Supervisory Committee) $2,357 $0 $0
Karen Lind (Supervisory Committee) $1,906 $0 $0
Peter Niska (Board Member) $1,371 $0 $0
William Conner (Board Secretary) $1,341 $0 $0
Leo Wilenius (Credit Committee) $1,214 $0 $0
Margaret Rinne (Credit Committee Secretary) $1,194 $0 $0
Lara Whiteside (Board Vice Chair) $1,013 $0 $0
Vicki Schelde (Credit Committee Chair) $875 $0 $0
Jane Marconett (Board Member) $675 $0 $0
Myrna Malm (Board Chair) $337 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,483,855
Expenses
$1,141,801
Net Income
$342,054
Net Assets
$2,821,735
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,452,896
97.9%
Investment Income $33,751
2.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$2,792
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $173,984
15.2%
Professional Fundraising Fees $0
Other Salaries and Wages $255,536
22.4%
Assets/Debt
Total Assets $28,319,954
Total Liabilities $25,498,219
Net Assets $2,821,735
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Rich Crettol (Exec Director/Ceo) $106,816 $0 $0
Sue Carstens (Vice President/Coo) $51,293 $0 $0
Robert Champa (Supervisory Committee) $2,512 $0 $0
Karen Lind (Supervisory Committee Chair) $1,812 $0 $0
Marla Kahn (Supervisory Committee) $1,688 $0 $0
William Conner (Board Secretary) $1,562 $0 $0
Margaret Rinne (Credit Committee) $1,488 $0 $0
Myrna Malm (Board Chair) $1,300 $0 $0
Pete Niska (Board Member) $1,263 $0 $0
Vicki Schelde (Credit Committee Chair) $1,150 $0 $0
Lara Whiteside (Board Vice Chair) $1,100 $0 $0
Leo Wilenius (Credit Committe Meber) $1,050 $0 $0
Jane Marconett (Board Chair) $950 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,434,599
Expenses
$1,080,319
Net Income
$354,280
Net Assets
$2,479,681
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,430,999
99.7%
Investment Income $30,825
2.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$27,225
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $149,321
13.8%
Professional Fundraising Fees $0
Other Salaries and Wages $214,167
19.8%
Assets/Debt
Total Assets $27,605,783
Total Liabilities $25,126,102
Net Assets $2,479,681

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,308,527
Expenses
$1,083,162
Net Income
$225,365
Net Assets
$2,125,401
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,322,961
> 100%
Investment Income $46,793
3.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$61,227
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $140,422
13.0%
Professional Fundraising Fees $0
Other Salaries and Wages $185,094
17.1%
Assets/Debt
Total Assets $23,390,301
Total Liabilities $21,264,900
Net Assets $2,125,401

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

What Is 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.
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  • 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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