Civic Intelligence

Forward Financial Credit Union

990 • Fiscal year 2017 • EIN 39-0812058

Jan 01, 2017 to Dec 31, 2017 • Filed on May 08, 2018

PO Box 48Niagara, WI 54151-0048

(715) 251-4546

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

43rd percentile

0.88x

Higher debt load relative to assets than 43% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

34th percentile

16.77x

Higher debt load relative to revenue than 34% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

23rd percentile

3.2%

Higher net margin than 23% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

13th percentile

$93,395

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

11th percentile

-1.8%

Faster asset growth than 11% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

42nd percentile

4.1%

Faster revenue growth than 42% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Assets

Down

$71,416,726

Down $1,303,523 (-1.8%) from 2016

Net Assets

Up

$8,527,985

Up $121,274 (+1.4%) from 2016

Liabilities

Down

$62,888,741

Down $1,424,797 (-2.2%) from 2016

Revenue

Up

$3,750,225

Up $148,330 (+4.1%) from 2016

Expenses

Up

$3,628,950

Up $151,167 (+4.3%) from 2016

Net Income

Down

$121,275

Down $2,837 (-2.3%) from 2016

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 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

2017

Assets$71,416,726
Liabilities$62,888,741
Net Assets$8,527,985

Operations Trend

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

$6.0M$4.0M$2.0M$0Expenses 2010: $4,052,1312010Revenue 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

2017

Revenue$3,750,225
Expenses$3,628,950
Net Income$121,275
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 8, 2018
Return Version
2017v2.2
Gross Receipts
$3,750,225
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
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$48,639,741$49,626,959▲ $987,218
Savings and Temporary Cash Investments$13,833,600$11,482,400▼ $2,351,200
Cash and Non-Interest-Bearing Accounts$5,796,499$6,049,359▲ $252,860
Pd in Cap Srpls Land Bldg Eqp Fund$4,757,721$4,757,721→ $0
Rtn Earn Endowment Incm Other Fnds$3,648,990$3,770,264▲ $121,274
Land, Buildings, and Equipment, Net$3,053,890$2,738,384▼ $315,506
Investments Program Related$537,711$547,400▲ $9,689
Prepaid Expenses and Deferred Charges$16,501$25,933▲ $9,432
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$72,720,249$71,416,726▼ $1,303,523
Other Assets Total$842,307$946,291▲ $103,984
Liabilities
Other Liabilities$63,481,530$62,038,056▼ $1,443,474
Accounts Payable and Accrued Expenses$832,008$850,685▲ $18,677
Total Liabilities$64,313,538$62,888,741▼ $1,424,797
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,406,711$8,527,985▲ $121,274
Total Liabilities and Net Assets / Fund Balance$72,720,249$71,416,726▼ $1,303,523

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,945,707$1,446,780$3,392,487
Equipment$480,603$1,971,509$2,452,112
Other Land Buildings$210,774$320,315$531,089
Land$101,300-$101,300
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert LangsfordPresident/CEOFT$93,173$222$93,395
Denise SauldVP Financial ServicesFT$83,137$3,514$86,651
Tammy YoungVP OperationsFT$66,987$110$67,097
Kerry GrippenChairperson-$3,000-$3,000
Dan DeckerSecretary-$2,400-$2,400
Scott PancheriTreasurer-$2,400-$2,400
Charles AichnerVice Chairperson-$1,200-$1,200

Board Members and Trustees

NameTitle
Mary Ellen WelcherDirector
Robert GannonDirector
Teresa WestDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData Processing75 REMITTANCE DR STE 6974, Chicago, IL 60675$351,307
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,535,821
Investment Income
$214,404
Other Revenue
$0
Change in Net Assets
$121,275
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,126,347
Salaries, Compensation, and Employee Benefits$1,502,603
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$915,311
Fees for Services Other---$478,097
Office Expenses---$430,593
Current Officers, Directors, Trustees, and Key Employees---$252,297
Depreciation Depletion---$220,242
Other Employee Benefits---$167,140
Occupancy---$148,842
Other Expenses---$96,353
Payroll Taxes---$90,897
Pension Plan Contributions---$76,958
Advertising---$38,208
Travel---$27,518
All Other Expenses---$12,525
Fees for Services Accounting---$11,584
Fees for Services Legal---$1,102
Total Functional Expenses$0$0$0$3,628,950
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$62,038,056
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 11B

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, NIAGARA, WI 54151-0048

Signing Officer

Name
Tammy Young
Title
VP of Operations
Phone
7152514546
Signed
2018-05-08
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
49
Volunteers
3

Preparer

Firm
Hawkins Ash Cpas Llp
Address
2360 DUCK CREEK PARKWAY, GREEN BAY, WI 54303-3300
Preparer
Jeffrey Danen
Phone
9203369850
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Isp/ support 78,806. It(informationtechnology)consulting 5,756. Maintenance agreement 367,902. Software support-mc 25,633.

FORM 990, PART XI, LINE 9:

ROUNDING -1.

Raw XML Appendix387 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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IRS990/OtherExpensesGrp/Desc2DIVIDENDS ON SHARES
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0238728
IRS990/OtherExpensesGrp/TotalAmt1217848
IRS990/OtherExpensesGrp/TotalAmt2204707
IRS990/OtherExpensesGrp/TotalAmt396353
IRS990/OtherLiabilitiesGrp/BOYAmt063481530
IRS990/OtherLiabilitiesGrp/EOYAmt062038056
IRS990/OtherSalariesAndWagesGrp/TotalAmt0915311
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt048639741
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt049626959
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt090897
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt04757721
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt04757721
IRS990/PensionPlanContributionsGrp/TotalAmt076958
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt016501
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt025933
IRS990/PrincipalOfficerNm0ROB LANGSFORD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3NON MEMBER ATM FEE INC
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02529923
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1516595
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2452179
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02529923
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1516595
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2452179
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt337124
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt037124
IRS990/ProgSrvcAccomActy2Grp/Desc0SAVING, CERTIFICATE OF DEPOSIT, MONEY MARKETS, CHECKING, AND IRAS
IRS990/ProgSrvcAccomActy3Grp/Desc0CASH HANDLING/CHECKING CASH FOR MEMBERS ONLY
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0134618
IRS990/PYOtherExpensesAmt02060774
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03467277
IRS990/PYRevenuesLessExpensesAmt0124112
IRS990/PYSalariesCompEmpBnftPaidAmt01417009
IRS990/PYTotalExpensesAmt03477783
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03601895
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0121275
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03648990
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03770264
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013833600
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011482400
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01945707
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01446780
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03392487
IRS990ScheduleD/EquipmentGrp/BookValueAmt0480603
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01971509
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02452112
IRS990ScheduleD/LandGrp/BookValueAmt0101300
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0101300
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0210774
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0320315
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0531089
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt062038056
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02738384
IRS990ScheduleD/TotalLiabilityAmt062038056
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ELECTION 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/ExplanationTxt2COPIES OF THE FORM 990 WERE DISTRIBUTED TO THE GOVERNING BOARD PRIOR TO SUBMISSION TO THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL 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/ExplanationTxt4COMPENSATION FOR THE CEO AND THE ORGANIZATION'S OFFICERS IS DETERMINED AND APPROVED BY THE PERSONNEL COMMITTEE OF THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ISP/ SUPPORT 78,806. IT(INFORMATIONTECHNOLOGY)CONSULTING 5,756. MAINTENANCE AGREEMENT 367,902. SOFTWARE SUPPORT-MC 25,633.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ROUNDING -1.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt072720249
IRS990/TotalAssetsEOYAmt071416726
IRS990/TotalAssetsGrp/BOYAmt072720249
IRS990/TotalAssetsGrp/EOYAmt071416726
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt049
IRS990/TotalFunctionalExpensesGrp/TotalAmt03628950
IRS990/TotalGrossUBIAmt037124
IRS990/TotalLiabilitiesBOYAmt064313538
IRS990/TotalLiabilitiesEOYAmt062888741
IRS990/TotalLiabilitiesGrp/BOYAmt064313538
IRS990/TotalLiabilitiesGrp/EOYAmt062888741
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08406711
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08527985
IRS990/TotalOtherCompensationAmt03846
IRS990/TotalProgramServiceRevenueAmt03535821
IRS990/TotalReportableCompFromOrgAmt0252297
IRS990/TotalRevenueGrp/ExclusionAmt0214404
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03498697
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03750225
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt037124
IRS990/TotalVolunteersCnt03
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt072720249
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt071416726
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt027518
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01250 ROOSEVELT ROAD
IRS990/USAddress/CityNm0NIAGRA
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054151
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.FORWARDFINANCIALCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TAMMY YOUNG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VP OF OPERATIONS
ReturnHeader/BusinessOfficerGrp/PhoneNum07152514546
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FORWARD FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FORW
ReturnHeader/Filer/EIN0390812058
ReturnHeader/Filer/PhoneNum07152514546
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 48
ReturnHeader/Filer/USAddress/CityNm0NIAGARA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd0541510048
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F8010D7DA425B4A725D31163D91EEB50B43C46E6
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0377D763014E352B107835AEFA6100F4621694339
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0192.55.242.200
ReturnHeader/FilingSecurityInformation/IPDt02018-05-08
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm013:19:10
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0390912608
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HAWKINS ASH CPAS LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02360 DUCK CREEK PARKWAY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0GREEN BAY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0543033300
ReturnHeader/PreparerPersonGrp/PhoneNum09203369850
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JEFFREY DANEN
ReturnHeader/ReturnTs02018-05-11T10:23:43-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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
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