Civic Intelligence

Fox Communities Credit Union

990 • Fiscal year 2018 • EIN 39-0738415

Jan 01, 2018 to Dec 31, 2018 • Filed on Aug 22, 2019

Organization Profilewww.foxcu.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

35th percentile

0.89x

Higher debt load relative to assets than 35% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

73rd percentile

19.89x

Higher debt load relative to revenue than 73% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

87th percentile

28%

Higher net margin than 87% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

46th percentile

$833,182

Higher top officer pay than 46% of similar nonprofits.

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

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

73rd percentile

9.9%

Faster asset growth than 73% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

23rd percentile

10%

Faster revenue growth than 23% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets35th percentile

Assets

Up

$1,673,784,772

Up $150,371,929 (+9.9%) from 2017

Net Assets

Up

$191,460,887

Up $20,358,191 (+12%) from 2017

Liabilities

Up

$1,482,323,885

Up $130,013,738 (+9.6%) from 2017

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin87th percentile

Revenue

Up

$74,524,425

Up $6,935,582 (+10%) from 2017

Expenses

Up

$53,934,537

Up $4,321,714 (+8.7%) from 2017

Net Income

Up

$20,589,888

Up $2,613,868 (+15%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth73rd 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

2018

Assets$1,673,784,772
Liabilities$1,482,323,885
Net Assets$191,460,887
Open 2018 Filing

Operations Trend

Revenue Growth23rd 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

2018

Revenue$74,524,425
Expenses$53,934,537
Net Income$20,589,888
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Aug 22, 2019
Return Version
2018v3.1
Gross Receipts
$79,092,357
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.

State Chartered Credit Union - please see schedule O Statement 9 for detailed Mission Statement/Exempt Purpose

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,322,261,007$1,439,147,158▲ $116,886,151
Rtn Earn Endowment Incm Other Fnds$171,102,696$191,460,887▲ $20,358,191
Savings and Temporary Cash Investments$86,491,892$102,980,789▲ $16,488,897
Investments in Publicly Traded Securities$29,717,213$50,510,531▲ $20,793,318
Investments Program Related$25,679,867$23,082,518▼ $2,597,349
Land, Buildings, and Equipment, Net$21,657,737$22,369,870▲ $712,133
Cash and Non-Interest-Bearing Accounts$21,172,568$21,581,568▲ $409,000
Accounts Receivable$2,562,623$2,882,417▲ $319,794
Prepaid Expenses and Deferred Charges$900,733$1,023,596▲ $122,863
Total Assets$1,523,412,843$1,673,784,772▲ $150,371,929
Other Assets Total$12,969,203$10,206,325▼ $2,762,878
Liabilities
Other Liabilities$1,115,318,556$1,220,199,188▲ $104,880,632
Mortgage Notes Payable Secured by Investment Property$207,386,846$236,621,809▲ $29,234,963
Accounts Payable and Accrued Expenses$24,714,948$20,514,991▼ $4,199,957
Escrow Account Liability$4,889,797$4,987,897▲ $98,100
Total Liabilities$1,352,310,147$1,482,323,885▲ $130,013,738
Net Assets / Fund Balance
Total Net Assets Fund Balance$171,102,696$191,460,887▲ $20,358,191
Total Liabilities and Net Assets / Fund Balance$1,523,412,843$1,673,784,772▲ $150,371,929

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,019,246$6,633,625$18,652,871
Land$8,513,168-$8,513,168
Equipment$1,006,306$3,264,618$4,270,924
Other Land Buildings$831,150$1,420,492$2,251,642
Investment Program Related Org$10,226,811--
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Greg HilbertPresidentCEOFT$469,831$363,351$833,182
Kory KitowskiCIOFT$172,579$37,769$210,348
Gary BrumVP-Commercial LendingFT$135,867$72,926$208,793
Christopher AllenCLOFT$146,748$46,833$193,581
Bruce KotarekVP-FinanceFT$160,461$26,537$186,998
Christopher CumicekVP - Commercial LendingFT$113,390$70,997$184,387
Scott YukelVP-Commercial LendingFT$135,263$47,233$182,496
Rick RipleyVP-Commercial LendingFT$134,745$46,062$180,807
Dawn DobersteinVP-Commercial LendingFT$135,268$44,494$179,762
Nancy KrahnVP-Branch OperationsFT$132,030$30,895$162,925
Patrick JosephsonVP-Retail Lending Service & SFT$127,001$27,129$154,130
Patrick JosephsonVP-Retail Lending Service & Sales-$108,751$45,379$154,130
Catherine HarvathVP-MarketingFT$124,014$25,764$149,778
David ThoneVP-Internal OperationsFT$120,949$26,872$147,821
Bryan SpaethVP-Commercial LendingFT$116,562$7,671$124,233
Theresa GreenVP-hrFT$109,101$12,639$121,740

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
CU Answersdata processing6000 28th St SE Suite 100, Grand Rapids, MI 49546$1,077,669
Business Lending Groupbusiness loan srv2350 N Casaloma Dr, Appleton, WI 54913$984,978
Fiserv Incdata processing75 Remittance Dr Suite 1649, Chicago, IL 60675$779,347
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$70,906,833
Investment Income
$3,573,523
Other Revenue
$44,069
Change in Net Assets
$20,589,888
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$31,475,879
Salaries, Compensation, and Employee Benefits$22,458,658
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$14,627,672
Other Expenses-$4,894,276-$4,894,276
Interest---$4,390,745
Fees for Services Other---$3,142,324
Other Employee Benefits---$3,060,761
Current Officers, Directors, Trustees, and Key Employees---$2,727,181
Information Technology---$2,368,532
Advertising---$2,159,084
Office Expenses---$1,973,902
Occupancy---$1,678,511
All Other Expenses---$1,509,906
Depreciation Depletion---$1,261,747
Payroll Taxes---$1,252,071
Pension Plan Contributions---$790,973
Travel---$304,044
Insurance---$279,145
Fees for Services Accounting---$216,088
Payments to Affiliates---$183,006
Fees for Services Legal---$136,146
Conferences and Meetings---$13,317
Fees for Service Investment Mgmnt Fees---$12,667
Total Functional Expenses$0$0$0$53,934,537
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$922,350,455
Member CDs$297,848,733
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
2019-08-22
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
495
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

General explanation attachment

“Exempt PurposeWe 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 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 communities activities.”

Financial Statement Notes

Escrow account liability (Part IV, line 2B)

“Escrow accounts related to mortgages (property taxes and insurance) and loan closings”

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IRS990/Form990PartVIISectionAGrp/PersonNm7Fred VanHandel
IRS990/Form990PartVIISectionAGrp/PersonNm8Rich Scott
IRS990/Form990PartVIISectionAGrp/PersonNm9Greg Hilbert
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IRS990/Form990PartVIISectionAGrp/PersonNm11Nancy Krahn
IRS990/Form990PartVIISectionAGrp/PersonNm12Catherine Harvath
IRS990/Form990PartVIISectionAGrp/PersonNm13David Thone
IRS990/Form990PartVIISectionAGrp/PersonNm14Christopher Allen
IRS990/Form990PartVIISectionAGrp/PersonNm15Gary Brum
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IRS990/Form990PartVIISectionAGrp/PersonNm20Dawn Doberstein
IRS990/Form990PartVIISectionAGrp/PersonNm21Scott Yukel
IRS990/Form990PartVIISectionAGrp/PersonNm22Bryan Spaeth
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2SecretaryTreasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt9PresidentCEO
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IRS990/Form990PartVIISectionAGrp/TitleTxt12VP-Marketing
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IRS990/Form990PartVIISectionAGrp/TitleTxt16VP-Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP - Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP-Retail Lending Service & S
IRS990/Form990PartVIISectionAGrp/TitleTxt19CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP-Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP-Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP-Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP-HR
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2507638
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt348060

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,673,784,772
Liabilities
$1,482,323,885
Net assets
$191,460,887
Revenue
$74,524,425
Expenses
$53,934,537
Net income
$20,589,888
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
2018Detailed filing. Detailed filing data is available for this year.$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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