Civic Intelligence

Fox Communities Credit Union

990 • Fiscal year 2017 • EIN 39-0738415

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 12, 2018

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

37th percentile

0.89x

Higher debt load relative to assets than 37% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

61st percentile

20.01x

Higher debt load relative to revenue than 61% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

87th percentile

27%

Higher net margin than 87% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

41st percentile

$755,677

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Asset Growth

97th percentile

21%

Faster asset growth than 97% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Revenue Growth

97th percentile

30%

Faster revenue growth than 97% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$1,523,412,843

Up $262,663,110 (+21%) from 2016

Net Assets

Up

$171,102,696

Up $32,728,880 (+24%) from 2016

Liabilities

Up

$1,352,310,147

Up $229,934,230 (+20%) from 2016

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin87th percentile

Revenue

Up

$67,588,843

Up $15,477,903 (+30%) from 2016

Expenses

Up

$49,612,823

Up $9,245,504 (+23%) from 2016

Net Income

Up

$17,976,020

Up $6,232,399 (+53%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth97th 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

2017

Assets$1,523,412,843
Liabilities$1,352,310,147
Net Assets$171,102,696
Open 2017 Filing

Operations Trend

Revenue Growth97th 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

2017

Revenue$67,588,843
Expenses$49,612,823
Net Income$17,976,020
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 12, 2018
Return Version
2017v2.2
Gross Receipts
$69,013,092
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$1,105,268,324$1,322,261,007▲ $216,992,683
Rtn Earn Endowment Incm Other Fnds$138,373,816$171,102,696▲ $32,728,880
Savings and Temporary Cash Investments$54,844,369$86,491,892▲ $31,647,523
Investments in Publicly Traded Securities$38,669,418$29,717,213▼ $8,952,205
Investments Program Related$21,505,206$25,679,867▲ $4,174,661
Land, Buildings, and Equipment, Net$17,675,772$21,657,737▲ $3,981,965
Cash and Non-Interest-Bearing Accounts$7,370,950$21,172,568▲ $13,801,618
Accounts Receivable$1,962,425$2,562,623▲ $600,198
Prepaid Expenses and Deferred Charges$2,470,023$900,733▼ $1,569,290
Total Assets$1,260,749,733$1,523,412,843▲ $262,663,110
Other Assets Total$10,983,246$12,969,203▲ $1,985,957
Liabilities
Other Liabilities$918,546,251$1,115,318,556▲ $196,772,305
Mortgage Notes Payable Secured by Investment Property$180,655,725$207,386,846▲ $26,731,121
Accounts Payable and Accrued Expenses$19,082,189$24,714,948▲ $5,632,759
Escrow Account Liability$4,091,727$4,889,797▲ $798,070
Deferred Revenue$25--
Total Liabilities$1,122,375,917$1,352,310,147▲ $229,934,230
Net Assets / Fund Balance
Total Net Assets Fund Balance$138,373,816$171,102,696▲ $32,728,880
Total Liabilities and Net Assets / Fund Balance$1,260,749,733$1,523,412,843▲ $262,663,110

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,811,855$5,902,806$18,714,661
Land$7,331,263-$7,331,263
Equipment$1,161,773$3,098,675$4,260,448
Other Land Buildings$352,846$2,342,018$2,694,864
Investment Program Related Org$8,911,238--
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Greg HilbertPresidentCEOFT$545,509$210,168$755,677
Rick RipleyVP-Commercial LendingFT$169,143$25,619$194,762
Gary BrumVP-Commercial LendingFT$177,632$13,767$191,399
Christopher AllenVP-Commercial LendingFT$161,877$28,366$190,243
Dawn DobersteinVP-Commercial Lending-$160,923$13,828$174,751
Christopher CumicekVP - Commercial LendingFT$148,600$25,063$173,663
Bruce KotarekVP-FinanceFT$149,580$21,457$171,037
Kory KitowskiCIOFT$157,383$10,858$168,241
Scott YukelVP-Commercial LendingFT$135,264$25,410$160,674
Nancy KrahnVP-Branch OperationsFT$126,303$23,275$149,578
David ThoneVP-Internal OperationsFT$111,080$25,069$136,149
Catherine GustavsonVP-MarketingFT$111,801$23,676$135,477
Patrick JosephsonVP-Retail LendingFT$106,352$21,120$127,472

Board Members and Trustees

NameTitle
William PanellaChair
Rich ScottVice-Chair
Alan TimmermanDirector
Fred VanHandelDirector
Jamie RichardsonDirector
Marty DocterDirector
Mary ZitoDirector
Paul SipplDirector
Joanne BogenschutzSecretaryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$59,773,539
Investment Income
$2,435,558
Other Revenue
$5,379,746
Change in Net Assets
$17,976,020
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$28,777,479
Salaries, Compensation, and Employee Benefits$20,835,344
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$14,266,807
Other Expenses-$4,321,586-$4,321,586
Interest---$3,727,846
Fees for Services Other---$3,339,984
Information Technology---$3,285,157
Other Employee Benefits---$2,846,192
Advertising---$2,232,413
Office Expenses---$1,988,720
Current Officers, Directors, Trustees, and Key Employees---$1,808,441
Occupancy---$1,593,497
All Other Expenses---$1,364,062
Depreciation Depletion---$1,264,454
Payroll Taxes---$1,158,616
Pension Plan Contributions---$755,288
Travel---$271,037
Insurance---$256,940
Fees for Services Legal---$179,152
Payments to Affiliates---$148,837
Fees for Services Accounting---$121,602
Conferences and Meetings---$20,903
Fees for Service Investment Mgmnt Fees---$11,799
Total Functional Expenses$0$0$0$49,612,823
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$890,209,031
Member CDs$225,109,525
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

“All accounts listd on the conflict of interest forms are flagged on our computer system and periodic reviews of these accounts take place.”

CEO executive director top management comp Part VI line 15A

“The CEOs compensation is reviewed and approved by the board of directors.”

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
2018-11-12
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
465
Volunteers
9

Preparer

Firm
WCUL Services Corp
Address
1 E Main Street Suite 101, Madison, WI 53703
Preparer
Cari Thompson
Phone
6086404040
Supplemental Narrative

Additional Explanations

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

“Equity acquired in merger”

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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/PersonNm5Marty Docter
IRS990/Form990PartVIISectionAGrp/PersonNm6Jamie Richardson
IRS990/Form990PartVIISectionAGrp/PersonNm7Fred VanHandel
IRS990/Form990PartVIISectionAGrp/PersonNm8Rich Scott
IRS990/Form990PartVIISectionAGrp/PersonNm9Greg Hilbert
IRS990/Form990PartVIISectionAGrp/PersonNm10Bruce Kotarek
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IRS990/Form990PartVIISectionAGrp/PersonNm15Gary Brum
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IRS990/Form990PartVIISectionAGrp/PersonNm21Scott Yukel
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
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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-Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP-Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP-Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP - Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP-Retail Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt19CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP-Commercial Lending
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IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 100,113 members at 12/31/17.During 2017, we opened 8,765 new deposit, transaction and investment accounts.
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Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,523,412,843
Liabilities
$1,352,310,147
Net assets
$171,102,696
Revenue
$67,588,843
Expenses
$49,612,823
Net income
$17,976,020
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
2017Detailed filing. Detailed filing data is available for this year.$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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