Liabilities / Assets
35th percentile
Higher debt load relative to assets than 35% of similar nonprofits.
Forward Financial Credit Union
990 • Fiscal year 2013 • EIN 39-0812058
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.88x
Liabilities / Revenue
20th percentile
Higher debt load relative to revenue than 20% of similar nonprofits.
Net Margin
26th percentile
Higher net margin than 26% of similar nonprofits.
Top Officer Pay
23rd percentile
Higher top officer pay than 23% of similar nonprofits.
Top officer pay equals 2.5% of source-year revenue.
Asset Growth
5th percentile
Faster asset growth than 5% of similar nonprofits.
Revenue Growth
23rd percentile
Faster revenue growth than 23% of similar nonprofits.
Balance Sheet
Assets
Down$67,758,491
Down $3,648,435 (-5.1%) from 2012
Net Assets
Up$8,009,503
Up $153,681 (+2.0%) from 2012
Liabilities
Down$59,748,988
Down $3,802,116 (-6.0%) from 2012
Revenue And Expenses
Revenue
Down$4,175,901
Down $226,330 (-5.1%) from 2012
Expenses
Down$4,022,220
Down $233,910 (-5.5%) from 2012
Net Income
Up$153,681
Up $7,580 (+5.2%) from 2012
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Aug 12, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $4,316,423
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.
`a state chartered nonprofit corporation, serving members in northeast wisconsin and the upper peninsula of michigan by creating a source of credit at a fair and reasonable cost, and provide resources to help nurture members needs.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $58,387,167 | $55,664,145 | ▼ $2,723,022 |
| Rtn Earn Endowment Incm Other Fnds | $7,855,822 | $8,009,503 | ▲ $153,681 |
| Investments Other Securities | $4,617,824 | $4,367,928 | ▼ $249,896 |
| Land, Buildings, and Equipment, Net | $4,047,898 | $3,812,126 | ▼ $235,772 |
| Savings and Temporary Cash Investments | $3,071,635 | $2,701,996 | ▼ $369,639 |
| Cash and Non-Interest-Bearing Accounts | $718,323 | $939,061 | ▲ $220,738 |
| Prepaid Expenses and Deferred Charges | $108,692 | $63,937 | ▼ $44,755 |
| Accounts Receivable | $178,027 | $4,216 | ▼ $173,811 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $71,406,926 | $67,758,491 | ▼ $3,648,435 |
| Other Assets Total | $277,360 | $205,082 | ▼ $72,278 |
| Liabilities | |||
| Other Liabilities | $63,379,683 | $59,458,386 | ▼ $3,921,297 |
| Accounts Payable and Accrued Expenses | $171,421 | $290,602 | ▲ $119,181 |
| Total Liabilities | $63,551,104 | $59,748,988 | ▼ $3,802,116 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $7,855,822 | $8,009,503 | ▲ $153,681 |
| Total Liabilities and Net Assets / Fund Balance | $71,406,926 | $67,758,491 | ▼ $3,648,435 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,568,423 | $1,303,537 | $3,871,960 |
| Equipment | $634,953 | $863,384 | $1,498,337 |
| Other Land Buildings | $507,450 | $265,833 | $773,283 |
| Land | $101,300 | - | $101,300 |
| Other Securities | $3,498,600 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Robert Langsford | CEO | FT | $88,447 | $15,622 | $104,069 |
| Denise Sauld | VP Financial Services | FT | $77,129 | $5,946 | $83,075 |
| Tammy Young | VP Operations | FT | $63,072 | $10,104 | $73,176 |
| Kerry Grippen | Chairman | - | $3,000 | - | $3,000 |
| Craig Paulson | Secretary | - | $2,400 | - | $2,400 |
| Scott Pancheri | Treasurer | - | $2,400 | - | $2,400 |
| Charles Aichner | Vice Chairman | - | $1,200 | - | $1,200 |
| Dan Decker | Director | - | $1,200 | - | $1,200 |
Board Members and Trustees
| Name | Title |
|---|---|
| Robert Gannon | Director |
| Steven Eakley | Director |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv Consulting | Data Processing | - | $292,829 |
| Wipfli LLP | CPA & Consultants | - | $146,057 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $4,149,554
- Investment Income
- $26,347
- Other Revenue
- $0
- Change in Net Assets
- $153,681
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,537,829 |
| Salaries, Compensation, and Employee Benefits | $1,484,391 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $915,216 |
| Office Expenses | - | - | - | $376,134 |
| Depreciation Depletion | - | - | - | $367,674 |
| Fees for Services Management | - | - | - | $288,570 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $270,519 |
| Occupancy | - | - | - | $174,025 |
| Other Employee Benefits | - | - | - | $151,458 |
| Fees for Services Accounting | - | - | - | $134,315 |
| Information Technology | - | - | - | $93,953 |
| Payroll Taxes | - | - | - | $90,099 |
| Advertising | - | - | - | $77,456 |
| Conferences and Meetings | - | - | - | $65,259 |
| Pension Plan Contributions | - | - | - | $57,099 |
| Other Expenses | - | - | - | $49,948 |
| Insurance | - | - | - | $46,526 |
| All Other Expenses | - | - | - | $15,805 |
| Travel | - | - | - | $4,415 |
| Fees for Services Legal | - | - | - | $2,500 |
| Interest | - | - | - | $8 |
| Total Functional Expenses | $0 | $0 | $0 | $4,022,220 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares | $59,458,386 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- 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
- Yes
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- No
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“Organization has members.”
Form 990, Part VI, Section A, Line 7A
“Election 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.”
Form 990, Part VI, Section B, Line 11
“Copies of the form 990 were distributed to the governing board prior to submission to the internal revenue service.”
Form 990, Part VI, Section B, Line 12C
“All 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.”
Form 990, Part VI, Section B, Line 15
“Compensation for the ceo and the organization's officers is determined and approved by the personnel committee of the board.”
Form 990, Part VI, Section C, Line 19
“UPON REQUEST.”
Filing and Contact Details
Filer
- EIN
- 39-0812058
- Phone
- 7152514546
Signing Officer
- Name
- Tammy Young
- Title
- Vice President of Operations
- Phone
- 7152514546
- Signed
- 2014-08-12
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Tammy Young
- Formed
- 1948
- Legal Domicile
- Wi
- Voting Board Members
- 7
- Independent Board Members
- 3
- Employees
- 50
- Volunteers
- 2
Preparer
- Preparer
- Mary a Coates CPA
- Phone
- 7158453111
Raw XML AppendixShowing 400 of 411 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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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 290602 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 178027 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 4216 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | `A STATE CHARTERED NONPROFIT CORPORATION, SERVING MEMBERS IN NORTHEAST WISCONSIN AND THE UPPER PENINSULA OF MICHIGAN BY CREATING A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE RESOURCES TO HELP NURTURE MEMBERS NEEDS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 77456 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 15805 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 1250 ROOSEVELT ROAD / PO BOX 48 |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | NIAGARA |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | WI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 541510048 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 939061 |
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| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
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| IRS990/CompensationProcessOtherInd | 0 | 1 |
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| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
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| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
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| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 146057 |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 0 | CHICAGO |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 0 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 1 | WI |
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| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 1 | WIPFLI LLP |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | DATA PROCESSING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | CPA & CONSULTANTS |
| IRS990/CreditCounselingInd | 0 | 0 |
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| IRS990/CYTotalExpensesAmt | 0 | 4022220 |
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| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 4175901 |
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| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 367674 |
| IRS990/Desc | 0 | LOANS: CONSUMER, BUSINESS, AND REAL ESTATE |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 50 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
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| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 2500 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 288570 |
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| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP FINANCIAL SERVICES |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP OPERATIONS |
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| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1948 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
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| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
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| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 31869 |
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| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3812126 |
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| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 7855822 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 8009503 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -5522 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -5522 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -19731 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 174025 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 376134 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 277360 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 205082 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 151458 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDEND EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 3 | NCUSIF STABLIZATION |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 441412 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 215814 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 184015 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 49948 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 63379683 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 59458386 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 915216 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 58387167 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 55664145 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 90099 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 57099 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 108692 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 63937 |
| IRS990/PrincipalOfficerNm | 0 | TAMMY YOUNG |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | SERVICE FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | INTERCHANGE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | LOAN FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | INSURANCE SALES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3294206 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 327087 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 269409 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 123936 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 114083 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3294206 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 343050 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 269409 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 123936 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 114083 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 15963 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | SAVINGS, CERTIFICATE OF DEPOSIT, MONEY MARKETS, CHECKING, AND IRAS |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | CASH HANDLING/CHECK CASHING FOR MEMBERS ONLY |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 5185 |
| IRS990/PYOtherExpensesAmt | 0 | 2765607 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4397046 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 146101 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1490523 |
| IRS990/PYTotalExpensesAmt | 0 | 4256130 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4402231 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 153681 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 7855822 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 8009503 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3071635 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 2701996 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2568423 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1303537 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3871960 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 634953 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 863384 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1498337 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 101300 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 101300 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 507450 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 265833 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 773283 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 59458386 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 869328 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 3498600 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | DEPOSITS IN COMMERCIAL BANKS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3812126 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 4367928 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 59458386 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | ORGANIZATION HAS MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ELECTION 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/SupplementalInformationDetail/ExplanationTxt | 2 | COPIES OF THE FORM 990 WERE DISTRIBUTED TO THE GOVERNING BOARD PRIOR TO SUBMISSION TO THE INTERNAL REVENUE SERVICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | ALL 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/SupplementalInformationDetail/ExplanationTxt | 4 | COMPENSATION FOR THE CEO AND THE ORGANIZATION'S OFFICERS IS DETERMINED AND APPROVED BY THE PERSONNEL COMMITTEE OF THE BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 71406926 |
| IRS990/TotalAssetsEOYAmt | 0 | 67758491 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 71406926 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 67758491 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 50 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 4022220 |
| IRS990/TotalGrossUBIAmt | 0 | 15963 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 63551104 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 59748988 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 63551104 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 59748988 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 7855822 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 8009503 |
| IRS990/TotalOtherCompensationAmt | 0 | 31672 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4870 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 4870 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 4149554 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 238848 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 31869 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4128069 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 4175901 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 15963 |
| IRS990/TotalVolunteersCnt | 0 | 2 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 71406926 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 67758491 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 4415 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 1250 ROOSEVELT ROAD / PO BOX 48 |
| IRS990/USAddress/City | 0 | NIAGARA |
| IRS990/USAddress/State | 0 | WI |
| IRS990/USAddress/ZIPCode | 0 | 541510048 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 3 |
| IRS990/WebsiteAddressTxt | 0 | WWW.FORWARDFCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | TAMMY YOUNG |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | VICE PRESIDENT OF OPERATIONS |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7152514546 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-08-12 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | FORWARD FINANCIAL CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | FORW |
| ReturnHeader/Filer/EIN | 0 | 390812058 |
| ReturnHeader/Filer/PhoneNum | 0 | 7152514546 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 1250 ROOSEVELT ROAD / PO BOX 48 |
| ReturnHeader/Filer/USAddress/City | 0 | NIAGARA |
| ReturnHeader/Filer/USAddress/State | 0 | WI |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 541510048 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 390758449 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | WIPFLI LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | PO BOX 8010 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $67,758,491
- Liabilities
- $59,748,988
- Net assets
- $8,009,503
- Revenue
- $4,175,901
- Expenses
- $4,022,220
- Net income
- $153,681
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