Civic Intelligence

Fox Communities Credit Union

990 • Fiscal year 2016 • EIN 39-0738415

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 10, 2017

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

38th percentile

0.89x

Higher debt load relative to assets than 38% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

68th percentile

21.54x

Higher debt load relative to revenue than 68% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

71st percentile

23%

Higher net margin than 71% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

84th percentile

$1,311,506

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

75th percentile

12%

Faster asset growth than 75% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

57th percentile

11%

Faster revenue growth than 57% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$1,260,749,733

Up $130,967,505 (+12%) from 2015

Net Assets

Up

$138,373,816

Up $11,708,448 (+9.2%) from 2015

Liabilities

Up

$1,122,375,917

Up $119,259,057 (+12%) from 2015

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin71st percentile

Revenue

Up

$52,110,940

Up $5,093,246 (+11%) from 2015

Expenses

Up

$40,367,319

Up $4,821,811 (+14%) from 2015

Net Income

Up

$11,743,621

Up $271,435 (+2.4%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth75th 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

2016

Assets$1,260,749,733
Liabilities$1,122,375,917
Net Assets$138,373,816
Open 2016 Filing

Operations Trend

Revenue Growth57th 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

2016

Revenue$52,110,940
Expenses$40,367,319
Net Income$11,743,621
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 10, 2017
Return Version
2016v3.0
Gross Receipts
$53,271,377
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$955,153,744$1,105,268,324▲ $150,114,580
Rtn Earn Endowment Incm Other Fnds$126,665,368$138,373,816▲ $11,708,448
Savings and Temporary Cash Investments$73,457,887$54,844,369▼ $18,613,518
Investments in Publicly Traded Securities$40,555,964$38,669,418▼ $1,886,546
Investments Program Related$19,870,731$21,505,206▲ $1,634,475
Land, Buildings, and Equipment, Net$17,789,783$17,675,772▼ $114,011
Cash and Non-Interest-Bearing Accounts$6,827,758$7,370,950▲ $543,192
Prepaid Expenses and Deferred Charges$2,775,667$2,470,023▼ $305,644
Accounts Receivable$1,830,004$1,962,425▲ $132,421
Total Assets$1,129,782,228$1,260,749,733▲ $130,967,505
Other Assets Total$11,520,690$10,983,246▼ $537,444
Liabilities
Other Liabilities$850,115,090$918,546,251▲ $68,431,161
Mortgage Notes Payable Secured by Investment Property$133,057,680$180,655,725▲ $47,598,045
Accounts Payable and Accrued Expenses$16,369,243$19,082,189▲ $2,712,946
Escrow Account Liability$3,574,525$4,091,727▲ $517,202
Deferred Revenue$322$25▼ $297
Total Liabilities$1,003,116,860$1,122,375,917▲ $119,259,057
Net Assets / Fund Balance
Total Net Assets Fund Balance$126,665,368$138,373,816▲ $11,708,448
Total Liabilities and Net Assets / Fund Balance$1,129,782,228$1,260,749,733▲ $130,967,505

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,439,088$5,258,922$14,698,010
Land$6,216,365-$6,216,365
Equipment$1,382,434$2,790,405$4,172,839
Other Land Buildings$637,885$2,107,016$2,744,901
Investment Program Related Org$7,820,391--
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Greg HilbertPresidentCEOFT$418,499$893,007$1,311,506
Bruce KotarekVP-FinanceFT$143,034$39,090$182,124
Rick RipleyVP-Commercial LendingFT$149,256$26,796$176,052
Christopher AllenVP-Business ServicesFT$148,602$26,657$175,259
Gary BrumVP-Commercial LendingFT$148,635$14,731$163,366
Nancy KrahnVP-Branch OperationsFT$117,493$42,910$160,403
David ThoneVP-Internal OperationsFT$109,217$24,211$133,428
Catherine GustavsonVP-MarketingFT$105,901$23,978$129,879
Christopher CumucekVP - Commercial LendingFT$101,722$23,548$125,270

Board Members and Trustees

NameTitle
William PanellaChair
Paul SipplVice-Chair
Alan TimmermanDirector
Brian HasserDirector
Fred VanHandelDirector
Marty DoctorDirector
Mary ZitoDirector
Rich ScottDirector
Joanne BogenschutzSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
CU AnswersData Processing6000 28th St SE Suite 100, Grand Rapids, MI 49546$1,067,906
Business Lending GroupLoan Servicing2350 N Casaloma Dr Ste 100, Appleton, WI 54913$1,040,750
Capital Data IncIT Software2350 N Casaloma Dr Ste 100, Appleton, WI 54913$499,916
VanVreede TVAdvertising75 Remittance Dr Suite 1150, Chicago, IL 60675$429,256
CDW Direct LLCIT Equipment-$278,112
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$50,330,998
Investment Income
$1,688,240
Other Revenue
$91,702
Change in Net Assets
$11,743,621
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,372,261
Salaries, Compensation, and Employee Benefits$17,995,058
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,073,863
Interest---$3,084,067
Other Expenses-$3,006,040-$3,006,040
Fees for Services Other---$2,823,612
Other Employee Benefits---$2,798,518
Advertising---$2,092,031
Information Technology---$1,756,950
Office Expenses---$1,683,036
Current Officers, Directors, Trustees, and Key Employees---$1,442,360
Occupancy---$1,394,175
Depreciation Depletion---$1,101,245
Payroll Taxes---$1,013,908
All Other Expenses---$694,545
Pension Plan Contributions---$666,409
Insurance---$223,332
Travel---$207,666
Fees for Services Accounting---$166,495
Payments to Affiliates---$128,517
Fees for Services Legal---$116,139
Conferences and Meetings---$20,174
Fees for Service Investment Mgmnt Fees---$9,682
Total Functional Expenses$0$0$0$40,367,319
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$720,145,870
Member CDs$198,400,381
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
2017-11-10
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
394
Volunteers
9

Preparer

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

Financial Statement Notes

Escrow account liability (Part IV, line 2B)

“Tax Escrow Accounts for Credit Unions”

Raw XML AppendixShowing 400 of 589 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/PersonNm15Gary Brum
IRS990/Form990PartVIISectionAGrp/PersonNm16Rick Ripley
IRS990/Form990PartVIISectionAGrp/PersonNm17Christopher Cumucek
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IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt10VP-Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP-Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP-Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP-Internal Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP-Business Services
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP-Commercial Lending
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IRS990/InterestGrp/TotalAmt03084067
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt017675772
IRS990/LandBldgEquipCostOrOtherBssAmt027832115
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IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01160437
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IRS990/MembersOrStockholdersInd0true
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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.
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IRS990/OfficeExpensesGrp/TotalAmt01683036
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IRS990/OperateHospitalInd0false
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IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt011520690
IRS990/OtherAssetsTotalGrp/EOYAmt010983246
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02798518
IRS990/OtherExpensesGrp/Desc0Dividends to Members
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IRS990/PrincipalOfficerNm0Greg Hilbert
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,260,749,733
Liabilities
$1,122,375,917
Net assets
$138,373,816
Revenue
$52,110,940
Expenses
$40,367,319
Net income
$11,743,621
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
2016Detailed filing. Detailed filing data is available for this year.$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