Civic Intelligence

Forward Financial Credit Union

990 • Fiscal year 2011 • EIN 39-0812058

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 14, 2012

Organization ProfileWWW.FORWARDFCU.COM

View Organization Page

1250 Roosevelt Road / PO Box 4854151-0048
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$70,118,946

Flat from 2011

Net Assets

Flat

$7,692,363

Flat from 2011

Liabilities

Flat

$62,426,583

Flat from 2011

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$3,951,381

Flat from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$100M$50M$0Assets 2010: $68,796,005Liabilities 2010: $61,287,994Net Assets 2010: $7,508,0112010Assets 2011: $70,118,946Liabilities 2011: $62,426,583Net Assets 2011: $7,692,3632011Assets 2011: $70,118,946Liabilities 2011: $62,426,583Net Assets 2011: $7,692,3632011Assets 2012: $71,406,926Liabilities 2012: $63,551,104Net Assets 2012: $7,855,8222012Assets 2013: $67,758,491Liabilities 2013: $59,748,988Net Assets 2013: $8,009,5032013Assets 2014: $67,523,435Liabilities 2014: $59,413,232Net Assets 2014: $8,110,2032014Assets 2015: $69,365,086Liabilities 2015: $61,082,484Net Assets 2015: $8,282,6022015Assets 2016: $72,720,249Liabilities 2016: $64,313,538Net Assets 2016: $8,406,7112016Assets 2017: $71,416,726Liabilities 2017: $62,888,741Net Assets 2017: $8,527,9852017Assets 2018: $71,691,933Liabilities 2018: $62,957,597Net Assets 2018: $8,734,3362018Assets 2019: $74,579,111Liabilities 2019: $65,550,523Net Assets 2019: $9,028,5882019Assets 2020: $84,858,024Liabilities 2020: $75,609,799Net Assets 2020: $9,248,2252020Assets 2021: $94,902,854Liabilities 2021: $85,671,787Net Assets 2021: $9,231,0672021Assets 2022: $95,158,001Liabilities 2022: $87,394,287Net Assets 2022: $7,763,7142022Assets 2023: $90,203,429Liabilities 2023: $81,222,343Net Assets 2023: $8,981,0862023Assets 2024: $85,956,187Liabilities 2024: $75,935,847Net Assets 2024: $10,020,3402024

Highlighted filing

2011

Assets$70,118,946
Liabilities$62,426,583
Net Assets$7,692,363
Open 2011 Filing

Operations Trend

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

$6.0M$4.0M$2.0M$0Expenses 2010: $4,052,1312010Expenses 2011: $3,951,3812011Revenue 2011: $4,139,156Expenses 2011: $3,951,381Net Income 2011: $187,7752011Revenue 2012: $4,402,231Expenses 2012: $4,256,130Net Income 2012: $146,1012012Revenue 2013: $4,175,901Expenses 2013: $4,022,220Net Income 2013: $153,6812013Revenue 2014: $3,900,165Expenses 2014: $3,799,465Net Income 2014: $100,7002014Revenue 2015: $3,616,978Expenses 2015: $3,444,577Net Income 2015: $172,4012015Revenue 2016: $3,601,895Expenses 2016: $3,477,783Net Income 2016: $124,1122016Revenue 2017: $3,750,225Expenses 2017: $3,628,950Net Income 2017: $121,2752017Revenue 2018: $4,042,835Expenses 2018: $3,836,481Net Income 2018: $206,3542018Revenue 2019: $4,203,192Expenses 2019: $3,908,943Net Income 2019: $294,2492019Revenue 2020: $3,839,327Expenses 2020: $3,629,908Net Income 2020: $209,4192020Revenue 2021: $3,652,307Expenses 2021: $3,509,811Net Income 2021: $142,4962021Revenue 2022: $3,922,545Expenses 2022: $3,767,225Net Income 2022: $155,3202022Revenue 2023: $4,553,493Expenses 2023: $3,915,324Net Income 2023: $638,1692023Revenue 2024: $4,770,618Expenses 2024: $4,075,166Net Income 2024: $695,4522024

Highlighted filing

2011

Revenue-
Expenses$3,951,381
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 14, 2012
Return Version
2011v1.2
Gross Receipts
$4,322,351
Mission and Program Overview

Mission

Forward financial credit union, as a member owned and directed community financial institution, is dedicated to serving the present and future financial needs of our members, including low-income and underserved populations through cost effective financial services consistent with co-operative principles, applicable legislation and sound management.

Major Activities

Activity 2
Savings, certificate of deposit, money markets, checking, and iras
Activity 3
Cash handling/check cashing for members only
Filing and Contact Details

Filer

EIN
39-0812058
Raw XML AppendixShowing 400 of 404 raw XML fields

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IRS990ScheduleO/GeneralExplanation/Explanation0ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1ELECTION AT ANNUAL MEETING. UNLESS AN ALTERNATE ELECTION METHOD SET FORTH IN THE ORGANIZATION'S BYLAWS IS AUTHORIZED BY THE BOARD, DIRECTORS SHALL BE ELECTED BY THE MEMBERS PRESENT AT THE ANNUAL MEETING IN THE FOLLOWING MANNER: (A) THE CHAIRPERSON MAY APPOINT A NOMINATING COMMITTEE CONSISTING OF NOT FEWER THAN THREE (3) MEMBERS OF THE CREDIT UNION. IF APPOINTED, THE NOMINATING COMMITTEE SHALL NOMINATE ONE (1) OR MORE MEMBERS FOR EACH VACANCY ON THE BOARD, INCLUDING ANY UNEXPIRED TERM OCCUPIED BY A DIRECTOR APPOINTED BY THE BOARD UNDER SECTION 7 OF THIS ARTICLE. (B) AFTER THE NOMINATIONS OF THE NOMINATING COMMITTEE, IF ANY, HAVE BEEN PLACED BEFORE THE MEMBERS AT THE ANNUAL MEETING, THE CHAIRPERSON SHALL CALL FOR AND ACCEPT NOMINATIONS FROM THE FLOOR. WHEN NOMINATIONS ARE CLOSED, THE VOTES SHALL BE TAKEN AND TALLIED BY THE TELLERS, AND THE RESULTS SHALL BE ANNOUNCED. EXCEPT AS PROVIDED IN PARAGRAPH (C), ALL ELECTIONS SHALL BE DETERMINED BY PLURALITY VOTE, AND SHALL BE BY BALLOT EXCEPT WHEN THE NUMBER OF NOMINEES DOES NOT EXCEED THE NUMBER OF VACANCIES TO BE FILLED. (C) IF TWO (2) OR MORE CANDIDATES FOR DIRECTOR RECEIVE AN EQUAL NUMBER OF VOTES, AND RESOLUTION OF THE TIE VOTE AFFECTS THE ELECTION OF ONE (1) OR MORE DIRECTORS, THE MEMBERS PRESENT AT THE ANNUAL MEETING SHALL EITHER ELECT BY A PLURALITY VOTE THE APPROPRIATE NUMBER OF DIRECTORS FROM AMONG THE CANDIDATES WHO RECEIVED THE EQUAL NUMBER OF VOTES IN THE INITIAL BALLOTING, OR SHALL AUTHORIZE THOSE CANDIDATES TO RESOLVE THE TIE VOTE BY A DRAWING OF LOTS.
IRS990ScheduleO/GeneralExplanation/Explanation2COPIES OF THE FORM 990 WERE DISTRIBUTED TO THE GOVERNING BOARD.
IRS990ScheduleO/GeneralExplanation/Explanation3ALL OFFICER, EMPLOYEE, AND DIRECTOR'S ACTIVITIES WITHIN THE CREDIT UNION ARE MONITORED DAILY, ALL LOAN ADVANCES NEED APPROVAL OF A MAJORITY, AND THE POLICY IS REVIEWED AND SIGNED YEARLY. IF THERE IS A CONFLICT OF INTEREST THE OFFICER, EMPLOYEE, OR DIRECTOR IS REMOVED FROM VOTING.
IRS990ScheduleO/GeneralExplanation/Explanation4COMPENSATION FOR THE CEO AND THE ORGANIZATION'S OFFICERS IS DETERMINED AND APPROVED BY THE PERSONNEL COMMITTEE OF THE BOARD.
IRS990ScheduleO/GeneralExplanation/Explanation5UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6NET UNREALIZED LOSSES ON INVESTMENTS: -3,423.
IRS990ScheduleO/GeneralExplanation/Explanation7THE OVERSIGHT PROCESS OF THE FINANCIAL STATEMENTS HAS NOT CHANGED FROM PRIOR YEARS.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
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IRS990/TotalLiabNetAssetsFundBalances/EOY070118946
IRS990/TotalNbrEmployees033
IRS990/TotalNbrVolunteers07
IRS990/TotalNetAssetsFundBalances/BOY07508011
IRS990/TotalNetAssetsFundBalances/EOY07692363
IRS990/TotalOtherCompensation030160
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome046610
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn046610
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue04128039
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0222509
IRS990/TotalRevenueCurrentYear04139156
IRS990/TotalRevenue/ExclusionAmount021312
IRS990/TotalRevenuePriorYear04231255
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome04098165
IRS990/TotalRevenue/TotalRevenueColumn04139156
IRS990/TotalRevenue/UnrelatedBusinessRevenue019679
IRS990/TransactionRelatedEntity00
IRS990/Travel/Total06601
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.FORWARDFCU.COM
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01948
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0390812058
ReturnHeader/Filer/Name/BusinessNameLine10FORWARD FINANCIAL CREDIT UNION
ReturnHeader/Filer/NameControl0FORW
ReturnHeader/Filer/Phone07152514546
ReturnHeader/Filer/USAddress/AddressLine101250 ROOSEVELT ROAD / PO BOX 48
ReturnHeader/Filer/USAddress/City0NIAGARA
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode0541510048
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02012-11-14
ReturnHeader/Officer/Name0DENISE SAULD
ReturnHeader/Officer/Phone07152514546
ReturnHeader/Officer/Title0VICE PRESIDENT
ReturnHeader/Preparer/DatePrepared02012-11-14
ReturnHeader/PreparerFirm/EIN0390758449
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10WIPFLI LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10PO BOX 8010
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0WAUSAU
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0544028010
ReturnHeader/Preparer/Name0MARY A COATES CPA
ReturnHeader/Preparer/Phone07158453111
ReturnHeader/ReturnType0990

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$70,118,946
Liabilities
$62,426,583
Net assets
$7,692,363
Revenue
-
Expenses
$3,951,381
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$86.0$75.9$10.0$4.77$4.08$0.70
2023Detailed filing. Detailed filing data is available for this year.$90.2$81.2$8.98$4.55$3.92$0.64
2022Detailed filing. Detailed filing data is available for this year.$95.2$87.4$7.76$3.92$3.77$0.16
2021Detailed filing. Detailed filing data is available for this year.$94.9$85.7$9.23$3.65$3.51$0.14
2020Detailed filing. Detailed filing data is available for this year.$84.9$75.6$9.25$3.84$3.63$0.21
2019Detailed filing. Detailed filing data is available for this year.$74.6$65.6$9.03$4.20$3.91$0.29
2018Detailed filing. Detailed filing data is available for this year.$71.7$63.0$8.73$4.04$3.84$0.21
2017Detailed filing. Detailed filing data is available for this year.$71.4$62.9$8.53$3.75$3.63$0.12
2016Detailed filing. Detailed filing data is available for this year.$72.7$64.3$8.41$3.60$3.48$0.12
2015Detailed filing. Detailed filing data is available for this year.$69.4$61.1$8.28$3.62$3.44$0.17
2014Detailed filing. Detailed filing data is available for this year.$67.5$59.4$8.11$3.90$3.80$0.10
2013Detailed filing. Detailed filing data is available for this year.$67.8$59.7$8.01$4.18$4.02$0.15
2012Summary only. Only limited summary data is available for this year.$71.4$63.6$7.86$4.40$4.26$0.15
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.1$62.4$7.69$3.95
2011Summary only. Only limited summary data is available for this year.$70.1$62.4$7.69$4.14$3.95$0.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.8$61.3$7.51$4.05