Liabilities / Assets
63rd percentile
Higher debt load relative to assets than 63% of similar nonprofits.
Simplicity Credit Union
990 • Fiscal year 2013 • EIN 39-0860994
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
66th percentile
Higher debt load relative to revenue than 66% of similar nonprofits.
Net Margin
27th percentile
Higher net margin than 27% of similar nonprofits.
Top Officer Pay
65th percentile
Higher top officer pay than 65% of similar nonprofits.
Top officer pay equals 2.4% of source-year revenue.
Asset Growth
72nd percentile
Faster asset growth than 72% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$203,935,642
Up $9,658,999 (+5.0%) from 2012
Net Assets
Down$19,214,615
Down $189,817 (-1.0%) from 2012
Liabilities
Up$184,721,027
Up $9,848,816 (+5.6%) from 2012
Revenue And Expenses
Revenue
$9,257,423
No earlier filing loaded for comparison.
Expenses
Up$8,751,985
Up $527,242 (+6.4%) from 2012
Net Income
$505,438
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- May 15, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $9,257,423
Mission and Program Overview
Mission
A nonprofit member-owned thrift institution organized to provide financial services to individuals. Operations are primarily related to holding deposit for and making loans to members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $128,105,634 | $143,067,036 | ▲ $14,961,402 |
| Investments Other Securities | $19,894,243 | $22,255,534 | ▲ $2,361,291 |
| Savings and Temporary Cash Investments | $21,224,330 | $18,143,075 | ▼ $3,081,255 |
| Rtn Earn Endowment Incm Other Fnds | $14,934,583 | $14,744,766 | ▼ $189,817 |
| Cash and Non-Interest-Bearing Accounts | $13,035,734 | $9,516,013 | ▼ $3,519,721 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $4,469,849 | $4,469,849 | → $0 |
| Land, Buildings, and Equipment, Net | $4,310,650 | $4,248,906 | ▼ $61,744 |
| Prepaid Expenses and Deferred Charges | $363,743 | $439,697 | ▲ $75,954 |
| Receivables From Officers Etc | $147,846 | $0 | ▼ $147,846 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $194,276,643 | $203,935,642 | ▲ $9,658,999 |
| Other Assets Total | $7,194,463 | $6,265,381 | ▼ $929,082 |
| Liabilities | |||
| Other Liabilities | $173,555,070 | $183,626,015 | ▲ $10,070,945 |
| Accounts Payable and Accrued Expenses | $1,317,141 | $1,095,012 | ▼ $222,129 |
| Total Liabilities | $174,872,211 | $184,721,027 | ▲ $9,848,816 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $19,404,432 | $19,214,615 | ▼ $189,817 |
| Total Liabilities and Net Assets / Fund Balance | $194,276,643 | $203,935,642 | ▲ $9,658,999 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $1,247,184 | $2,184,696 | $3,431,880 |
| Buildings | $2,187,276 | $1,178,671 | $3,365,947 |
| Land | $513,167 | - | $513,167 |
| Other Land Buildings | $159,058 | $171,519 | $330,577 |
| Leasehold Improvements | $142,221 | $48,909 | $191,130 |
| Other Securities | $750,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Robert Kublank | Former CVO | - | $221,390 | $149 | $221,539 |
| Patricia Wesenberg | President/CEO | FT | $176,044 | $35,315 | $211,359 |
| Susan Foth | Executive Vice President | FT | $88,298 | $29,954 | $118,252 |
| Richard Voigt | Chairman | - | $990 | - | $990 |
| Mark Page | Vice Chair | - | $735 | - | $735 |
| Bobbi Bradley | Director | - | $550 | - | $550 |
| Herb Stephani | Director | - | $550 | - | $550 |
| Sue Shulfer | Director | - | $550 | - | $550 |
| Cliff Wiernik | Director | - | $500 | - | $500 |
| John Welter | Director | - | $500 | - | $500 |
| Patti Shafto-carlson | Director | - | $500 | - | $500 |
| Tom Mccarten | Director | - | $500 | - | $500 |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fis - Accounting Dep | Debit Card Processing | - | $324,341 |
| Intuit Financial Services | Web, Home Banking, Bill Payments | - | $274,020 |
| Trane | Hvac Provider | - | $107,994 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $8,667,262
- Investment Income
- $590,161
- Other Revenue
- $0
- Change in Net Assets
- $505,438
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $9,257,423
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $9,257,423
- Total Revenue per Form 990
- $9,257,423
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,740,046 |
| Salaries, Compensation, and Employee Benefits | $4,011,939 |
| 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 | - | - | - | $2,218,696 |
| All Other Expenses | - | - | - | $1,012,234 |
| Other Employee Benefits | - | - | - | $888,374 |
| Occupancy | - | - | - | $724,271 |
| Depreciation Depletion | - | - | - | $502,670 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $491,107 |
| Other Expenses | - | - | - | $383,000 |
| Payroll Taxes | - | - | - | $239,531 |
| Pension Plan Contributions | - | - | - | $174,231 |
| Advertising | - | - | - | $156,105 |
| Office Expenses | - | - | - | $108,488 |
| Fees for Services Legal | - | - | - | $23,484 |
| Fees for Services Accounting | - | - | - | $20,020 |
| Insurance | - | - | - | $13,300 |
| Total Functional Expenses | $0 | $0 | $0 | $8,751,985 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $8,751,985 |
| Total Expenses per Audited Statements | $8,751,985 |
| Total Expenses per Form 990 | $8,751,985 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
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
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $147,846 | $0 | ▼ $147,846 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Shares | $183,626,015 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- 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
“Members are individuals living or working in adams, clark, jackson, marathon, portage, shawano, waupaca, waushara, wood counties and the township of alma; employees of the cp rail systems, copps company and corporation, delta dental plan of wisconsin, donaldson company, corporate express, herrschners, inc., napa distribution center, skyward, steel king industries, inc., sne corporation, sunrise medical, and stockholders or patrons of the tomorrow valley co-op. That have deposits with the credit union.”
Form 990, Part VI, Section A, Line 7A
“Board of directors is elected by members”
Form 990, Part VI, Section B, Line 11
“BOARD MEETING”
Form 990, Part VI, Section B, Line 12C
“The credit union has both a fraud and anit-bribery act policy in the handbook that employees are required to acknowledge each year that addreses preferential treatment, the acceptance of gifts from a third party to derive special favors, and unauthorized disclosure or manipulation of member account informaiton. All board members must sign a code of conduct agreement and conflict of interest statement and disclosure annually as part of the reorganizational meeting.”
Form 990, Part VI, Section B, Line 15
“Various sources of comparative data are used and ranges are determined for each position. These ranges are reviewed against industry standards each year and ajusted as necessary. The board reviews ceo annually and the ceo reviews performance of key employees annually.”
Form 990, Part VI, Section C, Line 18
“UPON REQUEST”
Form 990, Part VI, Section C, Line 19
“Financial statements are available upon request and an annual report is printed for each year-end. Any other requests for information would be submitted to the president/ceo or board chairman”
Filing and Contact Details
Filer
- EIN
- 39-0860994
- Phone
- 7153873702
Signing Officer
- Name
- Patricia Wesenberg
- Title
- Executive Vice President
- Phone
- 7153873702
- Signed
- 2014-05-15
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Susan Foth
- Formed
- 1949
- Legal Domicile
- Wi
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 94
- Volunteers
- 9
Preparer
- Preparer
- Steve Handrick
- Phone
- 9203369850
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“Home banking expense : total expenses 281,758. Postage : total expenses 128,786. Loan origination and servicing : total expenses 126,811. Telephone : total expenses 122,805. Surety bond expense : total expenses 99,372. Ncua stabilization : total expenses 98,846. Service charges : total expenses 64,072. Dues : total expenses 54,228. Misc write offs : total expenses 30,159. Taxes : total expenses 6,992. Cash over & short : total expenses -790. Atm cash over & short : total expenses -805.”
Form 990 Part XII Line 2C
“No change as the board of directors oversees the audit.”
Financial Statement Notes
PART X, LINE 2:
“In accordance with u.s. Gaap, the credit union has adopted the provisions of "accounting for uncertainty in income taxes", on january 1, 2009. The implentation of this standard had no impact on the financial statement. As of both the date of adoption, and as of december 31, 2013, the unrecognized tax benefit accrual was zero. The credit union will recognize future accrued interest and penalties related to unrecognized tax benefits income tax expense if incurred. The credit union is no longer subject to federal tax examination by tax authorities for years before 2010 and state examination for the years before 2009.”
Raw XML AppendixShowing 400 of 481 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 |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 1317141 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1095012 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. OPERATIONS ARE PRIMARILY RELATED TO HOLDING DEPOSIT FOR AND MAKING LOANS TO MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 156105 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 1012234 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | CENTRAL CITY CREDIT UNION - ATT BOARD SECRETARY |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7153873702 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 222 UPHAM AVENUE |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | MARSHFIELD |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | WI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 544490790 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 13035734 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 9516013 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 491107 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 324341 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 274020 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 107994 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1 | 0 | PO BOX 4535 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1 | 1 | PO BOX 515306 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1 | 2 | PO BOX 98167 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 0 | CAROL STREAM |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 1 | LOS ANGELES |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 2 | CHICAGO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 0 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 1 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 2 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 0 | 60197 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 1 | 90051 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 2 | 60693 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 0 | FIS - ACCOUNTING DEP |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 1 | INTUIT FINANCIAL SERVICES |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 2 | TRANE |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | DEBIT CARD PROCESSING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | WEB, HOME BANKING, BILL PAYMENTS |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | HVAC PROVIDER |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 590161 |
| IRS990/CYOtherExpensesAmt | 0 | 4740046 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 8667262 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 505438 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 4011939 |
| IRS990/CYTotalExpensesAmt | 0 | 8751985 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 9257423 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 502670 |
| IRS990/Desc | 0 | HOLDING DEPOSITS FOR AND MAKING LOANS TO MEMBERS |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 94 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 20020 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 23484 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| 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/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 35315 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 149 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | RICHARD VOIGT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | MARK PAGE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | BOBBI BRADLEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | JOHN WELTER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | PATTI SHAFTO-CARLSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | HERB STEPHANI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | TOM MCCARTEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | SUE SHULFER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | CLIFF WIERNIK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | SUSAN FOTH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | PATRICIA WESENBERG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | ROBERT KUBLANK |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 735 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 550 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 550 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 550 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 88298 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 176044 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 221390 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | EXECUTIVE VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | FORMER CVO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1949 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 1 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 8713 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 8713 |
| IRS990/GrossReceiptsAmt | 0 | 9257423 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 13300 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 581448 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 581448 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 19894243 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 22255534 |
| IRS990/IRPDocumentCnt | 0 | 3794 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3583795 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 4310650 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 4248906 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 7832701 |
| IRS990/LegalDomicileStateCd | 0 | WI |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| 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 | A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. OPERATIONS ARE PRIMARILY RELATED TO HOLDING DEPOSIT FOR AND MAKING LOANS TO MEMBERS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 19404432 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 19214615 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 8713 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 8713 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -16388 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -695255 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 724271 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 108488 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 7194463 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6265381 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 888374 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS ON SHARES |
| IRS990/OtherExpensesGrp/Desc | 1 | DEBIT/CREDIT CARD EXPEN |
| IRS990/OtherExpensesGrp/Desc | 2 | OTHER EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR BAD DEBT |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 850412 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 551928 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 394134 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 383000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 173555070 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 183626015 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2218696 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 128105634 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 143067036 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 239531 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 4469849 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 4469849 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 174231 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 363743 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 439697 |
| IRS990/PrincipalOfficerNm | 0 | SUSAN FOTH |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | PROG.SERV.REVENUE-RELA |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | ATM FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 8660191 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 8660191 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 7071 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 7071 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 720114 |
| IRS990/PYOtherExpensesAmt | 0 | 4477635 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 8190410 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 685781 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3747108 |
| IRS990/PYTotalExpensesAmt | 0 | 8224743 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 8910524 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 147846 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 505438 |
| 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 | 14934583 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 14744766 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 21224330 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 18143075 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2187276 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1178671 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3365947 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1247184 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2184696 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 3431880 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 8751985 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 513167 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 513167 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 142221 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 48909 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 191130 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 159058 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 171519 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 330577 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 183626015 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARES |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 311171 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 21194363 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 750000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | WISCUB INV |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | AFS SECURITIES |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | FHLB |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 9257423 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | IN ACCORDANCE WITH U.S. GAAP, THE CREDIT UNION HAS ADOPTED THE PROVISIONS OF "ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES", ON JANUARY 1, 2009. THE IMPLENTATION OF THIS STANDARD HAD NO IMPACT ON THE FINANCIAL STATEMENT. AS OF BOTH THE DATE OF ADOPTION, AND AS OF DECEMBER 31, 2013, THE UNRECOGNIZED TAX BENEFIT ACCRUAL WAS ZERO. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS INCOME TAX EXPENSE IF INCURRED. THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL TAX EXAMINATION BY TAX AUTHORITIES FOR YEARS BEFORE 2010 AND STATE EXAMINATION FOR THE YEARS BEFORE 2009. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 4248906 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 22255534 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 8751985 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 183626015 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 9257423 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 9257423 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 8751985 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/FirstClassOrCharterTravelInd | 0 | X |
| IRS990ScheduleJ/IdemnificationGrossUpPmtsInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 176044 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 221390 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 12168 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 149 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 23147 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | PATRICIA WESENBERG |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | ROBERT KUBLANK |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | FORMER CVO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 211359 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 221539 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | 1 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | CONTRACTUAL OBLIGATION. |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 1 | GROUP LIFE/SPLIT DOLLAR |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 1A |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART I, LINE 1B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/TravelForCompanionsInd | 0 | X |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | MEMBERS ARE INDIVIDUALS LIVING OR WORKING IN ADAMS, CLARK, JACKSON, MARATHON, PORTAGE, SHAWANO, WAUPACA, WAUSHARA, WOOD COUNTIES AND THE TOWNSHIP OF ALMA; EMPLOYEES OF THE CP RAIL SYSTEMS, COPPS COMPANY AND CORPORATION, DELTA DENTAL PLAN OF WISCONSIN, DONALDSON COMPANY, CORPORATE EXPRESS, HERRSCHNERS, INC., NAPA DISTRIBUTION CENTER, SKYWARD, STEEL KING INDUSTRIES, INC., SNE CORPORATION, SUNRISE MEDICAL, AND STOCKHOLDERS OR PATRONS OF THE TOMORROW VALLEY CO-OP. THAT HAVE DEPOSITS WITH THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | BOARD OF DIRECTORS IS ELECTED BY MEMBERS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | BOARD MEETING |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE CREDIT UNION HAS BOTH A FRAUD AND ANIT-BRIBERY ACT POLICY IN THE HANDBOOK THAT EMPLOYEES ARE REQUIRED TO ACKNOWLEDGE EACH YEAR THAT ADDRESES PREFERENTIAL TREATMENT, THE ACCEPTANCE OF GIFTS FROM A THIRD PARTY TO DERIVE SPECIAL FAVORS, AND UNAUTHORIZED DISCLOSURE OR MANIPULATION OF MEMBER ACCOUNT INFORMAITON. ALL BOARD MEMBERS MUST SIGN A CODE OF CONDUCT AGREEMENT AND CONFLICT OF INTEREST STATEMENT AND DISCLOSURE ANNUALLY AS PART OF THE REORGANIZATIONAL MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | VARIOUS SOURCES OF COMPARATIVE DATA ARE USED AND RANGES ARE DETERMINED FOR EACH POSITION. THESE RANGES ARE REVIEWED AGAINST INDUSTRY STANDARDS EACH YEAR AND AJUSTED AS NECESSARY. THE BOARD REVIEWS CEO ANNUALLY AND THE CEO REVIEWS PERFORMANCE OF KEY EMPLOYEES ANNUALLY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | UPON REQUEST |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST AND AN ANNUAL REPORT IS PRINTED FOR EACH YEAR-END. ANY OTHER REQUESTS FOR INFORMATION WOULD BE SUBMITTED TO THE PRESIDENT/CEO OR BOARD CHAIRMAN |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | HOME BANKING EXPENSE : TOTAL EXPENSES 281,758. POSTAGE : TOTAL EXPENSES 128,786. LOAN ORIGINATION AND SERVICING : TOTAL EXPENSES 126,811. TELEPHONE : TOTAL EXPENSES 122,805. SURETY BOND EXPENSE : TOTAL EXPENSES 99,372. NCUA STABILIZATION : TOTAL EXPENSES 98,846. SERVICE CHARGES : TOTAL EXPENSES 64,072. DUES : TOTAL EXPENSES 54,228. MISC WRITE OFFS : TOTAL EXPENSES 30,159. TAXES : TOTAL EXPENSES 6,992. CASH OVER & SHORT : TOTAL EXPENSES -790. ATM CASH OVER & SHORT : TOTAL EXPENSES -805. |
Document Assets
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Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $203,935,642
- Liabilities
- $184,721,027
- Net assets
- $19,214,615
- Revenue
- $9,257,423
- Expenses
- $8,751,985
- Net income
- $505,438
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