Civic Intelligence

Fox Communities Credit Union

990 • Fiscal year 2015 • EIN 39-0738415

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 15, 2016

Organization Profilewww.foxcul.org

View Organization Page

3401 E Calumet StreetAppleton, WI 54915-4757

(920) 993-3753

Siviq Scores

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

Liabilities / Assets

39th percentile

0.89x

Higher debt load relative to assets than 39% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

64th percentile

21.33x

Higher debt load relative to revenue than 64% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

78th percentile

24%

Higher net margin than 78% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

35th percentile

$706,066

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

74th percentile

11%

Faster asset growth than 74% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

36th percentile

5.2%

Faster revenue growth than 36% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$1,129,782,228

Up $116,416,643 (+11%) from 2014

Net Assets

Up

$126,665,368

Up $13,781,586 (+12%) from 2014

Liabilities

Up

$1,003,116,860

Up $102,635,057 (+11%) from 2014

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin78th percentile

Revenue

Up

$47,017,694

Up $2,340,935 (+5.2%) from 2014

Expenses

Up

$35,545,508

Up $1,456,945 (+4.3%) from 2014

Net Income

Up

$11,472,186

Up $883,990 (+8.3%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth74th percentile

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

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $760,862,524Liabilities 2010: $685,521,594Net Assets 2010: $75,340,9302010Assets 2011: $803,603,332Liabilities 2011: $720,886,261Net Assets 2011: $82,717,0712011Assets 2012: $895,387,165Liabilities 2012: $802,671,207Net Assets 2012: $92,715,9582012Assets 2013: $954,518,432Liabilities 2013: $852,087,229Net Assets 2013: $102,431,2032013Assets 2014: $1,013,365,585Liabilities 2014: $900,481,803Net Assets 2014: $112,883,7822014Assets 2015: $1,129,782,228Liabilities 2015: $1,003,116,860Net Assets 2015: $126,665,3682015Assets 2016: $1,260,749,733Liabilities 2016: $1,122,375,917Net Assets 2016: $138,373,8162016Assets 2017: $1,523,412,843Liabilities 2017: $1,352,310,147Net Assets 2017: $171,102,6962017Assets 2018: $1,673,784,772Liabilities 2018: $1,482,323,885Net Assets 2018: $191,460,8872018Assets 2019: $1,834,894,059Liabilities 2019: $1,624,519,937Net Assets 2019: $210,374,1222019Assets 2021: $2,452,637,306Liabilities 2021: $2,203,601,504Net Assets 2021: $249,035,8022021Assets 2022: $2,694,097,241Liabilities 2022: $2,471,501,191Net Assets 2022: $222,596,0502022Assets 2024: $3,009,910,815Liabilities 2024: $2,737,187,610Net Assets 2024: $272,723,2052024

Highlighted filing

2015

Assets$1,129,782,228
Liabilities$1,003,116,860
Net Assets$126,665,368
Open 2015 Filing

Operations Trend

Revenue Growth36th percentile

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

$200M$150M$100M$50M$0Expenses 2010: $42,526,7602010Revenue 2011: $43,352,611Expenses 2011: $35,950,197Net Income 2011: $7,402,4142011Revenue 2012: $42,906,625Expenses 2012: $33,309,335Net Income 2012: $9,597,2902012Revenue 2013: $43,545,146Expenses 2013: $33,520,559Net Income 2013: $10,024,5872013Revenue 2014: $44,676,759Expenses 2014: $34,088,563Net Income 2014: $10,588,1962014Revenue 2015: $47,017,694Expenses 2015: $35,545,508Net Income 2015: $11,472,1862015Revenue 2016: $52,110,940Expenses 2016: $40,367,319Net Income 2016: $11,743,6212016Revenue 2017: $67,588,843Expenses 2017: $49,612,823Net Income 2017: $17,976,0202017Revenue 2018: $74,524,425Expenses 2018: $53,934,537Net Income 2018: $20,589,8882018Revenue 2019: $84,223,252Expenses 2019: $67,317,993Net Income 2019: $16,905,2592019Revenue 2021: $94,748,931Expenses 2021: $69,130,050Net Income 2021: $25,618,8812021Revenue 2022: $104,390,989Expenses 2022: $86,125,979Net Income 2022: $18,265,0102022Revenue 2024: $180,612,334Expenses 2024: $156,030,301Net Income 2024: $24,582,0332024

Highlighted filing

2015

Revenue$47,017,694
Expenses$35,545,508
Net Income$11,472,186
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 15, 2016
Return Version
2015v2.1
Gross Receipts
$47,718,902
Mission and Program Overview

Mission

We at fox communities credit union have a commitment to enrich the quality of life for our members through personalized financial services throughout their entire life cycle. The credit union is dedicated to the protection of our member's financial well-being and to operate in an economically sound manner. The credit union will provide an atmosphere of professionalism, friendliness and mutual trust. We shall remain strong in our involvement and support of our community's activities.

We at Fox Communities Credit Union have a commitment to enrich the quality of life for our members through personalized financial services throughout their entire life cycle. The credit union is dedicated to the protection of our members financial well being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$830,288,173$955,153,744▲ $124,865,571
Rtn Earn Endowment Incm Other Fnds$112,883,782$126,665,368▲ $13,781,586
Savings and Temporary Cash Investments$86,954,828$73,457,887▼ $13,496,941
Investments in Publicly Traded Securities$45,325,831$40,555,964▼ $4,769,867
Investments Program Related-$19,870,731-
Land, Buildings, and Equipment, Net$16,265,523$17,789,783▲ $1,524,260
Investments Other Securities$15,206,134--
Cash and Non-Interest-Bearing Accounts$7,183,472$6,827,758▼ $355,714
Prepaid Expenses and Deferred Charges$2,613,404$2,775,667▲ $162,263
Accounts Receivable-$1,830,004-
Total Assets$1,013,365,585$1,129,782,228▲ $116,416,643
Other Assets Total$9,528,220$11,520,690▲ $1,992,470
Liabilities
Other Liabilities$753,804,795$850,115,090▲ $96,310,295
Mortgage Notes Payable Secured by Investment Property$134,182,919$133,057,680▼ $1,125,239
Accounts Payable and Accrued Expenses$9,444,301$16,369,243▲ $6,924,942
Escrow Account Liability$3,048,698$3,574,525▲ $525,827
Deferred Revenue$1,090$322▼ $768
Total Liabilities$900,481,803$1,003,116,860▲ $102,635,057
Net Assets / Fund Balance
Total Net Assets Fund Balance$112,883,782$126,665,368▲ $13,781,586
Total Liabilities and Net Assets / Fund Balance$1,013,365,585$1,129,782,228▲ $116,416,643

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,602,181$5,364,466$14,966,647
Land$6,278,641-$6,278,641
Equipment$1,350,414$2,766,041$4,116,455
Other Land Buildings$558,547$2,415,787$2,974,334
Investment Program Related Org$7,914,848--
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Greg HilbertPresidentCEOFT$578,658$127,408$706,066
Donald VanevenhovenVP-LendingFT$193,397$99,996$293,393
Bruce KotarekVP-FinanceFT$134,625$49,996$184,621
Nancy KrahnVP-Branch OperationsFT$111,893$67,654$179,547
Rick RipleyVP-Commercial LendingFT$116,295$43,259$159,554
Christopher AllenVP-Business ServicesFT$119,392$33,920$153,312
Gary BrumVP-Commercial LendingFT$118,904$29,899$148,803
David ThoneVP-Internal OperationsFT$104,804$31,249$136,053
Catherine GustavsonVP-MarketingFT$101,907$30,747$132,654

Board Members and Trustees

NameTitle
Fred VanHandelChair
Paul SipplVice-Chair
Alan TimmermanDirector
Brian HasserDirector
Marty DocterDirector
Mary ZitoDirector
Rich ScottDirector
William PanellaDirector
Joanne BogenschutzSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
United Health CareHealth Insurance22561 Network Place, Chicago, IL 60601$2,352,429
Smet ConstructionBuilding Construct300 North Broadway, Green Bay, WI 54303$1,126,712
Business Lending GroupBusiness Loan Orig2350 N Casaloma Dr Ste 100, Appleton, WI 54913$1,114,927
CU AnswersCore Software Prov6000 28th St SE Suite 100, Grand Rapids, MI 49546$937,044
CDW Direct LLCComputer Hardware75 Remittance Dr Suite 1150, Chicago, IL 60675$469,993
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$45,394,699
Investment Income
$1,599,323
Other Revenue
$23,672
Change in Net Assets
$11,472,186
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$19,969,081
Salaries, Compensation, and Employee Benefits$15,576,427
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,181,706
Interest---$2,829,217
Other Expenses-$2,540,204-$2,540,204
Fees for Services Other---$2,461,585
Other Employee Benefits---$2,356,623
Advertising---$1,805,515
Current Officers, Directors, Trustees, and Key Employees---$1,579,875
Office Expenses---$1,509,457
Information Technology---$1,472,622
Occupancy---$1,181,774
Depreciation Depletion---$971,353
Payroll Taxes---$903,685
All Other Expenses---$594,639
Pension Plan Contributions---$554,538
Insurance---$241,670
Travel---$219,943
Fees for Services Accounting---$177,739
Payments to Affiliates---$123,431
Fees for Services Legal---$87,248
Conferences and Meetings---$21,829
Fees for Service Investment Mgmnt Fees---$8,327
Total Functional Expenses$0$0$0$35,545,508
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$649,060,029
Member CDs$201,055,061
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 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

Members or stockholder classes and rights Part VI line 6

“The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).”

Member election for additional members Part VI line 7A

“The Board of Directors is elected by the membership utilizing their one vote per member”

Governing body decisions Part VI line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).”

Form 990 governing body review Part VI line 11

“The form 990 is reviewed by the Vice President of Finance and the President/CEO prior to filing.”

Conflict of interest policy compliance Part VI line 12C

“Each director and officer must complete a conflict of interest form annually that is reviewed by the President/CEO. The President/CEOs form is reviewed by the board of directors.”

CEO executive director top management comp Part VI line 15A

“The compensation of the President/CEO is determined by the Personnel Committee made up of board members. Final compensation recommendation is approved by the board.”

Governing documents etc available to public Part VI line 19

“These documents are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Fox Communities Credit Union
EIN
39-0738415
Address
3401 E Calumet Street, Appleton, WI 54915-4757

Signing Officer

Name
Bruce Kotarek
Title
VP-Finance
Phone
8778295500
Signed
2016-08-15
Discuss with paid preparer
No

Organization Details

Principal Officer
Greg Hilbert
Formed
1937
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
9
Employees
396
Volunteers
9

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Equity Acquired in Merger”

Financial Statement Notes

Escrow account liability (Part IV, line 2B)

“Tax Escrow Accounts for Credit Unions”

Raw XML AppendixShowing 400 of 607 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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IRS990/Form990PartVIISectionAGrp/PersonNm1Paul Sippl
IRS990/Form990PartVIISectionAGrp/PersonNm2Joanne Bogenschutz
IRS990/Form990PartVIISectionAGrp/PersonNm3Alan Timmerman
IRS990/Form990PartVIISectionAGrp/PersonNm4Mary Zito
IRS990/Form990PartVIISectionAGrp/PersonNm5Rich Scott
IRS990/Form990PartVIISectionAGrp/PersonNm6William Panella
IRS990/Form990PartVIISectionAGrp/PersonNm7Marty Docter
IRS990/Form990PartVIISectionAGrp/PersonNm8Brian Hasser
IRS990/Form990PartVIISectionAGrp/PersonNm9Greg Hilbert
IRS990/Form990PartVIISectionAGrp/PersonNm10Donald Vanevenhoven
IRS990/Form990PartVIISectionAGrp/PersonNm11Bruce Kotarek
IRS990/Form990PartVIISectionAGrp/PersonNm12Nancy Krahn
IRS990/Form990PartVIISectionAGrp/PersonNm13Catherine Gustavson
IRS990/Form990PartVIISectionAGrp/PersonNm14David Thone
IRS990/Form990PartVIISectionAGrp/PersonNm15Christopher Allen
IRS990/Form990PartVIISectionAGrp/PersonNm16Gary Brum
IRS990/Form990PartVIISectionAGrp/PersonNm17Rick Ripley
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9PresidentCEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP-Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP-Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP-Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP-Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP-Internal Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP-Business Services
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP-Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP-Commercial Lending
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IRS990/GamingActivitiesInd0false
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IRS990/InsuranceGrp/TotalAmt0241670
IRS990/InterestGrp/TotalAmt02829217
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt040555964
IRS990/IRPDocumentCnt035252
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010546294
IRS990/LandBldgEquipBasisNetGrp/BOYAmt016265523
IRS990/LandBldgEquipBasisNetGrp/EOYAmt017789783
IRS990/LandBldgEquipCostOrOtherBssAmt028336077
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0701208
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0We at Fox Communities Credit Union have a commitment to enrich the quality of life for our members through personalized financial services throughout their entire life cycle. The credit union is dedicated to the protection of our members financial well being.
IRS990/MoreThan5000KToIndividualsInd0false
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0133057680
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IRS990/NetUnrelatedBusTxblIncmAmt0-170659
IRS990/NetUnrlzdGainsLossesInvstAmt092973
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IRS990/OccupancyGrp/TotalAmt01181774
IRS990/OfficeExpensesGrp/TotalAmt01509457
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09528220
IRS990/OtherAssetsTotalGrp/EOYAmt011520690
IRS990/OtherChangesInNetAssetsAmt02216427
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02356623
IRS990/OtherExpensesGrp/Desc0Dividends Paid
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03722528
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IRS990/PayrollTaxesGrp/TotalAmt0903685
IRS990/PensionPlanContributionsGrp/TotalAmt0554538
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02613404
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02775667
IRS990/PrincipalOfficerNm0Greg Hilbert
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2405067
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt413115
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt113115
IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 81,824 members at 12/31/15.During 2015, we opened 23,508 new deposit, transaction and investment accounts.
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IRS990ScheduleD/EquipmentGrp/BookValueAmt01350414
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02766041
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,129,782,228
Liabilities
$1,003,116,860
Net assets
$126,665,368
Revenue
$47,017,694
Expenses
$35,545,508
Net income
$11,472,186
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,010$2,737$273$181$156$24.6
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,694$2,472$223$104$86.1$18.3
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,453$2,204$249$94.7$69.1$25.6
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,835$1,625$210$84.2$67.3$16.9
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,674$1,482$191$74.5$53.9$20.6
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,523$1,352$171$67.6$49.6$18.0
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,261$1,122$138$52.1$40.4$11.7
2015Detailed filing. Detailed filing data is available for this year.$1,130$1,003$127$47.0$35.5$11.5
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,013$900$113$44.7$34.1$10.6
2013Detailed filing. Detailed filing data is available for this year.$955$852$102$43.5$33.5$10.0
2012Summary only. Only limited summary data is available for this year.$895$803$92.7$42.9$33.3$9.60
2011Summary only. Only limited summary data is available for this year.$804$721$82.7$43.4$36.0$7.40
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$761$686$75.3$42.5
Peer Organizations

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