Civic Intelligence

Service Credit Union

990 • Fiscal year 2025 • EIN 39-0607767

Jan 01, 2025 to Dec 31, 2025 • Filed on Feb 26, 2026

Organization ProfileSERVICE-CU.COM
2850 S Ashland AveGreen Bay, WI 53404

(920) 433-1784

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

90th percentile

0.77x

Higher debt load relative to assets than 90% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

98th percentile

15.61x

Higher debt load relative to revenue than 98% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Source year 2025

Net Margin

65th percentile

14%

Higher net margin than 65% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

29th percentile

$103,463

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 17.0% of source-year revenue.

2025 filings • $10M-$25M nonprofits • Source year 2025

Asset Growth

25th percentile

-1.2%

Faster asset growth than 25% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

37th percentile

1.9%

Faster revenue growth than 37% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets90th percentile

Assets

$12,369,274

No earlier filing loaded for comparison.

Net Assets

$2,894,897

No earlier filing loaded for comparison.

Liabilities

$9,474,377

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin65th percentile

Revenue

$607,079

No earlier filing loaded for comparison.

Expenses

$521,222

No earlier filing loaded for comparison.

Net Income

$85,857

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$20M$15M$10M$5.0M$0Assets 2010: $14,070,682Liabilities 2010: $11,643,111Net Assets 2010: $2,427,5712010Assets 2011: $14,324,356Liabilities 2011: $11,887,611Net Assets 2011: $2,436,7452011Assets 2012: $14,690,922Liabilities 2012: $12,253,062Net Assets 2012: $2,437,8602012Assets 2013: $14,599,914Liabilities 2013: $12,183,047Net Assets 2013: $2,416,8672013Assets 2014: $14,622,153Liabilities 2014: $12,216,018Net Assets 2014: $2,406,1352014Assets 2015: $15,275,461Liabilities 2015: $12,853,600Net Assets 2015: $2,421,8612015Assets 2016: $13,509,568Liabilities 2016: $11,072,734Net Assets 2016: $2,436,8342016Assets 2017: $12,623,471Liabilities 2017: $10,171,999Net Assets 2017: $2,451,4722017Assets 2018: $11,725,089Liabilities 2018: $9,227,778Net Assets 2018: $2,497,3112018Assets 2019: $12,569,412Liabilities 2019: $10,000,711Net Assets 2019: $2,568,7012019Assets 2020: $14,058,986Liabilities 2020: $11,381,303Net Assets 2020: $2,677,6832020Assets 2021: $14,164,841Liabilities 2021: $11,448,745Net Assets 2021: $2,716,0962021Assets 2022: $14,580,125Liabilities 2022: $11,843,483Net Assets 2022: $2,736,6422022Assets 2025: $12,369,274Liabilities 2025: $9,474,377Net Assets 2025: $2,894,8972025

Highlighted filing

2025

Assets$12,369,274
Liabilities$9,474,377
Net Assets$2,894,897
Open 2025 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$800K$600K$400K$200K$0-$200KExpenses 2010: $421,1932010Expenses 2011: $377,0222011Expenses 2012: $329,6602012Revenue 2013: $277,868Expenses 2013: $298,861Net Income 2013: -$20,9932013Revenue 2014: $281,331Expenses 2014: $292,063Net Income 2014: -$10,7322014Revenue 2015: $308,508Expenses 2015: $292,782Net Income 2015: $15,7262015Revenue 2016: $317,883Expenses 2016: $302,910Net Income 2016: $14,9732016Revenue 2017: $328,158Expenses 2017: $313,520Net Income 2017: $14,6382017Revenue 2018: $358,375Expenses 2018: $312,536Net Income 2018: $45,8392018Revenue 2019: $400,816Expenses 2019: $329,426Net Income 2019: $71,3902019Revenue 2020: $425,422Expenses 2020: $316,440Net Income 2020: $108,9822020Revenue 2021: $356,800Expenses 2021: $318,387Net Income 2021: $38,4132021Revenue 2022: $336,083Expenses 2022: $315,537Net Income 2022: $20,5462022Revenue 2025: $607,079Expenses 2025: $521,222Net Income 2025: $85,8572025

Highlighted filing

2025

Revenue$607,079
Expenses$521,222
Net Income$85,857
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 26, 2026
Return Version
2025v4.0
Gross Receipts
$607,079
Mission and Program Overview

Mission

Provide members with competitive, high quality financial services in a professional and friendly manner while maintaining a position of safety, soundness and strength.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,355,130$9,247,666▼ $107,464
Rtn Earn Endowment Incm Other Fnds$2,809,040$2,894,897▲ $85,857
Savings and Temporary Cash Investments$2,074,031$1,622,248▼ $451,783
Investments Program Related$863,563$638,563▼ $225,000
Cash and Non-Interest-Bearing Accounts$50,560$44,023▼ $6,537
Land, Buildings, and Equipment, Net$42,174$34,106▼ $8,068
Prepaid Expenses and Deferred Charges$11,027$6,409▼ $4,618
Accounts Receivable$719$750▲ $31
Total Assets$12,525,020$12,369,274▼ $155,746
Other Assets Total$127,816$775,509▲ $647,693
Liabilities
Other Liabilities$9,585,885$9,382,648▼ $203,237
Accounts Payable and Accrued Expenses$130,095$91,729▼ $38,366
Total Liabilities$9,715,980$9,474,377▼ $241,603
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,809,040$2,894,897▲ $85,857
Total Liabilities and Net Assets / Fund Balance$12,525,020$12,369,274▼ $155,746

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$34,106$51,083$85,189
Investment Program Related Org$114,563--
Other Assets Org$400--
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Nicole FawcettPresidentFT$98,536$4,927$103,463
Ted ProsserSecretary-$560-$560
Bradley CoenenChair-$200-$200
Brandon GerlikowskiDirector-$200-$200
Holly NeratDirector-$200-$200
Jessica KugelTreasurer-$200-$200
Marcia ThompsonDirector-$200-$200
Sarah MeadVice Chair-$200-$200
William GruhlkeDirector-$200-$200

Board Members and Trustees

NameTitle
Kristy KayePrior Chair
Revenue and Support

Revenue Composition

Contributions and Grants
$1,852
Program Service Revenue
$480,205
Investment Income
$125,022
Other Revenue
$0
All Other Contributions
$1,852
Change in Net Assets
$85,857
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$308,536
Salaries, Compensation, and Employee Benefits$212,686
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$100,496
Office Expenses---$90,972
Other Salaries and Wages---$88,148
Information Technology---$41,145
Payroll Taxes---$14,197
Depreciation Depletion---$9,633
Pension Plan Contributions---$8,263
Insurance---$6,787
Fees for Services Accounting---$6,727
Other Expenses---$5,619
Other Employee Benefits---$1,582
Advertising---$700
Conferences and Meetings---$428
Travel---$222
Interest---$33
Total Functional Expenses$0$0$0$521,222
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$9,382,625
Allowance Off Bal Sheet Credit Loss$23
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

Form 990, Page 6, Part VI, Line 11B

“Data is compiled by president and provided to an independent preparer. The president reviews return for accuracy and authorizes preparer to e-file the return. The completed return is reviewed with board of directors at their next meeting.”

Form 990, Page 6, Part VI, Line 12C

“Officers, directors and employees are required to review our vendor list each year and indicate any conflicts of interest. A code of ethics is signed as part of this process.”

Form 990, Page 6, Part VI, Line 15A

“Compensation for president is determined by the compensation committee of the board of directors. Salary surveys are utilized. The board approves the compensation and the committee meeting minutes are included in board meeting minutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and conflict of interest policy are available upon request. Year-end financial statements are posted in the lobby and provided at the annual member meeting.”

Filing and Contact Details

Filer

Filer Name
Service Credit Union
EIN
39-0607767
Phone
9204331784
Address
2850 S ASHLAND AVE, GREEN BAY, WI 53404

Signing Officer

Name
Nicole Fawcett
Title
President
Phone
9204331784
Signed
2026-02-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nicole Fawcett
Formed
1934
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
8

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Raw XML Appendix367 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1114563
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt215595
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt311798
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt47143
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc4ACCRUED INTEREST ON INVESTMENTS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DATA IS COMPILED BY PRESIDENT AND PROVIDED TO AN INDEPENDENT PREPARER. THE PRESIDENT REVIEWS RETURN FOR ACCURACY AND AUTHORIZES PREPARER TO E-FILE THE RETURN. THE COMPLETED RETURN IS REVIEWED WITH BOARD OF DIRECTORS AT THEIR NEXT MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4OFFICERS, DIRECTORS AND EMPLOYEES ARE REQUIRED TO REVIEW OUR VENDOR LIST EACH YEAR AND INDICATE ANY CONFLICTS OF INTEREST. A CODE OF ETHICS IS SIGNED AS PART OF THIS PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION FOR PRESIDENT IS DETERMINED BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS. SALARY SURVEYS ARE UTILIZED. THE BOARD APPROVES THE COMPENSATION AND THE COMMITTEE MEETING MINUTES ARE INCLUDED IN BOARD MEETING MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. YEAR-END FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND PROVIDED AT THE ANNUAL MEMBER MEETING.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01202 JOHNSON ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ONALASKA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
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ReturnHeader/PreparerPersonGrp/PhoneNum06083173765
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-02-26T15:36:27-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,369,274
Liabilities
$9,474,377
Net assets
$2,894,897
Revenue
$607,079
Expenses
$521,222
Net income
$85,857
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$12.4$9.47$2.89$0.61$0.52$0.09
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.6$11.8$2.74$0.34$0.32$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.2$11.4$2.72$0.36$0.32$0.04
2020Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$14.1$11.4$2.68$0.43$0.32$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.6$10.0$2.57$0.40$0.33$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.7$9.23$2.50$0.36$0.31$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.6$10.2$2.45$0.33$0.31$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.5$11.1$2.44$0.32$0.30$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.3$12.9$2.42$0.31$0.29$0.02
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.6$12.2$2.41$0.28$0.29$0.01
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$14.6$12.2$2.42$0.28$0.30$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.7$12.3$2.44$0.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.3$11.9$2.44$0.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.1$11.6$2.43$0.42