Liabilities / Assets
39th percentile
Higher debt load relative to assets than 39% of similar nonprofits.
Forward Financial Credit Union
990 • Fiscal year 2015 • EIN 39-0812058
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.88x
Liabilities / Revenue
35th percentile
Higher debt load relative to revenue than 35% of similar nonprofits.
Net Margin
31st percentile
Higher net margin than 31% of similar nonprofits.
Top Officer Pay
18th percentile
Higher top officer pay than 18% of similar nonprofits.
Top officer pay equals 2.8% of source-year revenue.
Asset Growth
38th percentile
Faster asset growth than 38% of similar nonprofits.
Revenue Growth
8th percentile
Faster revenue growth than 8% of similar nonprofits.
Balance Sheet
Assets
Up$69,365,086
Up $1,841,651 (+2.7%) from 2014
Net Assets
Up$8,282,602
Up $172,399 (+2.1%) from 2014
Liabilities
Up$61,082,484
Up $1,669,252 (+2.8%) from 2014
Revenue And Expenses
Revenue
Down$3,616,978
Down $283,187 (-7.3%) from 2014
Expenses
Down$3,444,577
Down $354,888 (-9.3%) from 2014
Net Income
Up$172,401
Up $71,701 (+71%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- May 11, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $3,616,978
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.
Forward financial credit union, as a member owned directed community financial institution, is dedicated to serving the present and future financial needs of our members, including low-income and underserved population through cost effective financial services.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $51,057,903 | $48,157,794 | ▼ $2,900,109 |
| Savings and Temporary Cash Investments | $7,140,239 | $11,599,209 | ▲ $4,458,970 |
| Cash and Non-Interest-Bearing Accounts | $5,415,516 | $5,548,687 | ▲ $133,171 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $4,757,721 | $4,757,721 | → $0 |
| Rtn Earn Endowment Incm Other Fnds | $3,352,482 | $3,524,881 | ▲ $172,399 |
| Land, Buildings, and Equipment, Net | $3,563,855 | $3,265,865 | ▼ $297,990 |
| Investments Program Related | - | $537,711 | - |
| Prepaid Expenses and Deferred Charges | - | $15,020 | - |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $67,523,435 | $69,365,086 | ▲ $1,841,651 |
| Other Assets Total | $345,922 | $240,800 | ▼ $105,122 |
| Liabilities | |||
| Other Liabilities | $59,097,465 | $60,671,540 | ▲ $1,574,075 |
| Accounts Payable and Accrued Expenses | $315,767 | $410,944 | ▲ $95,177 |
| Total Liabilities | $59,413,232 | $61,082,484 | ▲ $1,669,252 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,110,203 | $8,282,602 | ▲ $172,399 |
| Total Liabilities and Net Assets / Fund Balance | $67,523,435 | $69,365,086 | ▲ $1,841,651 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,093,119 | $1,267,831 | $3,360,950 |
| Equipment | $808,732 | $1,606,939 | $2,415,671 |
| Other Land Buildings | $262,714 | $265,049 | $527,763 |
| Land | $101,300 | - | $101,300 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Robert Langsford | President/CEO | FT | $89,944 | $11,888 | $101,832 |
| Denise Sauld | VP Financial Services | FT | $81,942 | $3,662 | $85,604 |
| Tammy Young | VP Operations | FT | $67,149 | $8,064 | $75,213 |
| Kerry Grippen | Chairperson | - | $3,000 | - | $3,000 |
| Craig Paulson | Secretary | - | $2,400 | - | $2,400 |
| Scott Pancheri | Treasurer | - | $2,400 | - | $2,400 |
| Charles Airchner | Vice Chairperson | - | $1,200 | - | $1,200 |
| Dan Decker | Director | - | $1,200 | - | $1,200 |
Board Members and Trustees
| Name | Title |
|---|---|
| Mary Ellen Welcher | Director |
| Robert Gannon | Director |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv | Data Processing | 75 REMITTANCE DR STE 6974, Chicago, IL 60675 | $309,470 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $3,517,866
- Investment Income
- $99,112
- Other Revenue
- $0
- Change in Net Assets
- $172,401
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,064,992 |
| Salaries, Compensation, and Employee Benefits | $1,379,585 |
| 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 | - | - | - | $821,020 |
| Office Expenses | - | - | - | $516,525 |
| Fees for Services Other | - | - | - | $442,459 |
| Occupancy | - | - | - | $264,986 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $249,235 |
| Other Employee Benefits | - | - | - | $148,197 |
| Other Expenses | - | - | - | $107,063 |
| Payroll Taxes | - | - | - | $80,609 |
| Pension Plan Contributions | - | - | - | $80,524 |
| Advertising | - | - | - | $44,480 |
| Fees for Services Accounting | - | - | - | $33,000 |
| Travel | - | - | - | $18,500 |
| All Other Expenses | - | - | - | $13,209 |
| Total Functional Expenses | $0 | $0 | $0 | $3,444,577 |
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 | $60,671,540 |
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
- 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
“The credit union 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 votes shall be taken and tallied by the nominating committee, 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
- Filer Name
- Forward Financial Credit Union
- EIN
- 39-0812058
- Phone
- 7152514546
- Address
- PO BOX 48, NIAGRA, WI 54151-0048
Signing Officer
- Name
- Tammy Young
- Title
- VP of Operations
- Phone
- 7152514546
- Signed
- 2016-05-11
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Rob Langsford
- Formed
- 1948
- Legal Domicile
- Wi
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 40
- Volunteers
- 7
Preparer
- Firm
- Hawkins Ash Cpas Llp
- Address
- 2360 DUCK CREEK PARKWAY, GREEN BAY, WI 54303-3300
- Preparer
- Steven G Handrick
- Phone
- 9203369850
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 11G
“Maintenance agreement 355,184. It(informationtechnology)consulting 878. Isp/ support 69,920. Software support-mc 16,477.”
FORM 990, PART XI, LINE 9:
“ROUNDING -2.”
Raw XML Appendix382 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.
| Path | # | Value |
|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 410944 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | FORWARD FINANCIAL CREDIT UNION, AS A MEMBER OWNED DIRECTED COMMUNITY FINANCIAL INSTITUTION, IS DEDICATED TO SERVING THE PRESENT AND FUTURE FINANCIAL NEEDS OF OUR MEMBERS, INCLUDING LOW-INCOME AND UNDERSERVED POPULATION THROUGH COST EFFECTIVE FINANCIAL SERVICES. |
| IRS990/AddressChangeInd | 0 | X |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 44480 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 13209 |
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| IRS990/BackupWthldComplianceInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7152514546 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1250 ROOSEVELT ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | NIAGARA |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 54151 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
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| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 5415516 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 5548687 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 1 |
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| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
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| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 60675 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | FISERV |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | DATA PROCESSING |
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| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
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| IRS990/CYOtherExpensesAmt | 0 | 2064992 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
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| IRS990/CYRevenuesLessExpensesAmt | 0 | 172401 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1379585 |
| IRS990/CYTotalExpensesAmt | 0 | 3444577 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3616978 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| 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 | 40 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 33000 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 442459 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| 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/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | SCOTT PANCHERI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | DAN DECKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | ROBERT GANNON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | MARY ELLEN WELCHER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | ROBERT LANGSFORD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DENISE SAULD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | TAMMY YOUNG |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 1200 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP FINANCIAL SERVICES |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP OPERATIONS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1948 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 15656 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 15656 |
| IRS990/GrossReceiptsAmt | 0 | 3616978 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
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| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 83456 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 537711 |
| IRS990/IRPDocumentCnt | 0 | 1429 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
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| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3265865 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 6405684 |
| IRS990/LegalDomicileStateCd | 0 | WI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| 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 DIRECTED COMMUNITY FINANCIAL INSTITUTION, IS DEDICATED TO SERVING THE PRESENT AND FUTURE FINANCIAL NEEDS OF OUR MEMBERS, INCLUDING LOW-INCOME AND UNDERSERVED POPULATION THROUGH COST EFFECTIVE FINANCIAL SERVICES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 8282602 |
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| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 15656 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -46552 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 264986 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 516525 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 345922 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 240800 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -2 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 148197 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENS ON SHARES |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR BAD DEBIT |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS EXPENSE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 292092 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 181846 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 150832 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 107063 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 59097465 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 60671540 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 821020 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 51057903 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 48157794 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 80609 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 4757721 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 4757721 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 80524 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 15020 |
| IRS990/PrincipalOfficerNm | 0 | ROB LANGSFORD |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | NON MEMBER ATM FEE INC |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2665147 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 519997 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 304928 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2665147 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 519997 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 304928 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 27794 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 27794 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | SAVING, CERTIFICATE OF DEPOSIT, MONEY MARKETS, CHECKING, AND IRAS |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | CASH HANDLING/CHECKING CASH FOR MEMBERS ONLY |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 50751 |
| IRS990/PYOtherExpensesAmt | 0 | 2301973 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3849414 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 100700 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1497492 |
| IRS990/PYTotalExpensesAmt | 0 | 3799465 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 3900165 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 172401 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 3352482 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 3524881 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 7140239 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 11599209 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2093119 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1267831 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3360950 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 808732 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1606939 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2415671 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 101300 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 101300 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 262714 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 265049 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 527763 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 60671540 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3265865 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 60671540 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION 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 VOTES SHALL BE TAKEN AND TALLIED BY THE NOMINATING COMMITTEE, 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/ExplanationTxt | 6 | MAINTENANCE AGREEMENT 355,184. IT(INFORMATIONTECHNOLOGY)CONSULTING 878. ISP/ SUPPORT 69,920. SOFTWARE SUPPORT-MC 16,477. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | ROUNDING -2. |
| 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 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART IX, LINE 11G |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XI, LINE 9: |
| 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 | 67523435 |
| IRS990/TotalAssetsEOYAmt | 0 | 69365086 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 67523435 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 69365086 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 40 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 3444577 |
| IRS990/TotalGrossUBIAmt | 0 | 27794 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 59413232 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 61082484 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 59413232 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 61082484 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 8110203 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 8282602 |
| IRS990/TotalOtherCompensationAmt | 0 | 23614 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 3517866 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 249235 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3589184 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 3616978 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 27794 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 67523435 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 69365086 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 18500 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 1250 ROOSEVELT ROAD |
| IRS990/USAddress/CityNm | 0 | NIAGRA |
| IRS990/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/USAddress/ZIPCd | 0 | 54151 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.FORWARDFINANCIALCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2016-12-15 16:53:06Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | TAMMY YOUNG |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | VP OF OPERATIONS |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7152514546 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-05-11 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | FORWARD FINANCIAL CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | FORW |
| ReturnHeader/Filer/EIN | 0 | 390812058 |
| ReturnHeader/Filer/PhoneNum | 0 | 7152514546 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 48 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | NIAGRA |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | WI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 541510048 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 390912608 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | HAWKINS ASH CPAS LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 2360 DUCK CREEK PARKWAY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | GREEN BAY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | WI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 543033300 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 9203369850 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | STEVEN G HANDRICK |
| ReturnHeader/ReturnTs | 0 | 2016-05-13T10:03:21-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $69,365,086
- Liabilities
- $61,082,484
- Net assets
- $8,282,602
- Revenue
- $3,616,978
- Expenses
- $3,444,577
- Net income
- $172,401