Civic Intelligence

Simplicity Credit Union

990 • Fiscal year 2017 • EIN 39-0860994

Jan 01, 2017 to Dec 31, 2017 • Filed on May 09, 2018

Organization ProfileWWW.SIMPLICITY.COOP

View Organization Page

222 Upham AvenueMarshfield, WI 54449-0790

(715) 387-3702

Siviq Scores

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

Liabilities / Assets

48th percentile

0.89x

Higher debt load relative to assets than 48% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

50th percentile

17.87x

Higher debt load relative to revenue than 50% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

79th percentile

18%

Higher net margin than 79% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

72nd percentile

$262,076

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

47th percentile

3.6%

Faster asset growth than 47% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2017

Revenue Growth

52nd percentile

6.8%

Faster revenue growth than 52% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2017

Balance Sheet
Liabilities / Assets48th percentile

Assets

Up

$240,421,832

Up $16,220,788 (+7.2%) from 2015

Net Assets

Up

$26,420,627

Up $4,307,054 (+19%) from 2015

Liabilities

Up

$214,001,205

Up $11,913,734 (+5.9%) from 2015

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin79th percentile

Revenue

Up

$11,973,929

Up $1,469,662 (+14%) from 2015

Expenses

Up

$9,798,516

Up $747,330 (+8.3%) from 2015

Net Income

Up

$2,175,413

Up $722,332 (+50%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

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

$600M$400M$200M$0Assets 2010: $171,210,377Liabilities 2010: $153,052,620Net Assets 2010: $18,157,7572010Assets 2011: $179,777,271Liabilities 2011: $161,260,243Net Assets 2011: $18,517,0282011Assets 2012: $194,276,643Liabilities 2012: $174,872,211Net Assets 2012: $19,404,4322012Assets 2013: $203,935,642Liabilities 2013: $184,721,027Net Assets 2013: $19,214,6152013Assets 2014: $209,653,537Liabilities 2014: $188,948,663Net Assets 2014: $20,704,8742014Assets 2015: $224,201,044Liabilities 2015: $202,087,471Net Assets 2015: $22,113,5732015Assets 2017: $240,421,832Liabilities 2017: $214,001,205Net Assets 2017: $26,420,6272017Assets 2018: $248,218,049Liabilities 2018: $219,349,614Net Assets 2018: $28,868,4352018Assets 2019: $275,577,534Liabilities 2019: $244,082,179Net Assets 2019: $31,495,3552019Assets 2020: $337,112,672Liabilities 2020: $303,454,679Net Assets 2020: $33,657,9932020Assets 2021: $424,593,294Liabilities 2021: $385,821,569Net Assets 2021: $38,771,7252021Assets 2022: $432,153,101Liabilities 2022: $393,526,787Net Assets 2022: $38,626,3142022Assets 2024: $500,121,906Liabilities 2024: $454,269,750Net Assets 2024: $45,852,1562024

Highlighted filing

2017

Assets$240,421,832
Liabilities$214,001,205
Net Assets$26,420,627
Open 2017 Filing

Operations Trend

Revenue Growth52nd percentile

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

$40M$30M$20M$10M$0Expenses 2010: $8,625,0022010Expenses 2011: $8,148,8662011Expenses 2012: $8,224,7432012Revenue 2013: $9,257,423Expenses 2013: $8,751,985Net Income 2013: $505,4382013Revenue 2014: $9,736,233Expenses 2014: $8,636,495Net Income 2014: $1,099,7382014Revenue 2015: $10,504,267Expenses 2015: $9,051,186Net Income 2015: $1,453,0812015Revenue 2017: $11,973,929Expenses 2017: $9,798,516Net Income 2017: $2,175,4132017Revenue 2018: $13,914,390Expenses 2018: $11,235,885Net Income 2018: $2,678,5052018Revenue 2019: $15,576,619Expenses 2019: $13,361,379Net Income 2019: $2,215,2402019Revenue 2020: $16,512,956Expenses 2020: $14,492,445Net Income 2020: $2,020,5112020Revenue 2021: $17,622,558Expenses 2021: $15,714,933Net Income 2021: $1,907,6252021Revenue 2022: $19,742,402Expenses 2022: $17,745,967Net Income 2022: $1,996,4352022Revenue 2024: $32,520,313Expenses 2024: $29,733,748Net Income 2024: $2,786,5652024

Highlighted filing

2017

Revenue$11,973,929
Expenses$9,798,516
Net Income$2,175,413
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 9, 2018
Return Version
2017v2.2
Gross Receipts
$11,980,842
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.

A nonprofit member-owned thrift institution organized to provide financial services to individuals. Operations are primarily related to holding deposits for and making loans to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$156,063,398$163,879,206▲ $7,815,808
Savings and Temporary Cash Investments$35,566,000$40,148,276▲ $4,582,276
Rtn Earn Endowment Incm Other Fnds$19,741,729$21,950,778▲ $2,209,049
Investments in Publicly Traded Securities$14,711,675$15,190,951▲ $479,276
Land, Buildings, and Equipment, Net$6,529,964$8,600,058▲ $2,070,094
Pd in Cap Srpls Land Bldg Eqp Fund$4,469,849$4,469,849→ $0
Cash and Non-Interest-Bearing Accounts$11,545,579$3,036,573▼ $8,509,006
Investments Program Related$2,667,649$2,605,491▼ $62,158
Receivables From Officers Etc$1,403,596$1,701,146▲ $297,550
Prepaid Expenses and Deferred Charges$429,489$382,137▼ $47,352
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$234,156,223$240,421,832▲ $6,265,609
Other Assets Total$5,238,873$4,877,994▼ $360,879
Liabilities
Other Liabilities$208,510,608$211,771,193▲ $3,260,585
Accounts Payable and Accrued Expenses$1,434,037$2,230,012▲ $795,975
Total Liabilities$209,944,645$214,001,205▲ $4,056,560
Net Assets / Fund Balance
Total Net Assets Fund Balance$24,211,578$26,420,627▲ $2,209,049
Total Liabilities and Net Assets / Fund Balance$234,156,223$240,421,832▲ $6,265,609

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,481,730$1,659,099$8,140,829
Equipment$1,423,565$3,569,182$4,992,747
Land$575,920-$575,920
Other Land Buildings$118,843$272,094$390,937
Leasehold Improvements$0$16,910$16,910
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patricia WesenbergPresident/CEOFT$236,663$25,413$236,663
Darlyne KellerChief Administration OfficFT$140,314-$140,314
Kelly KorthChief Experience OfficerFT$119,795-$119,795
Richard VoigtChairman-$1,080-$1,080
Mark PageVice Chair-$780-$780
Sue ShulferSecretary/treasurer-$650-$650
Bobbi BradleyDirector-$500-$500
Herb StephaniDirector-$500-$500
Patti Shafto-carlsonDirector-$450-$450
Tom MccartenDirector-$450-$450
John WelterDirector-$400-$400
Cliff WiernikDirector-$300-$300

Highest Paid Contractors

ContractorServicesLocationCompensation
Security Health PlanMedical Insurance Premiums1515 ST JOSEPHS AVE PO BOX 8000, Marshfield, WI 54449$752,942
FiservDebit Card Processing, Computer Main Fra75 REMITTANCE DRIVE SUITE 1649, Chicago, IL 60675$544,945
Lamacchia GroupContractor For Building Remodels157 NORTH MILWAUKEE STREET, Milwaukee, WI 53202$449,839
Nusource Financial IAtms, Teller Cash Recyclers9749 HAMILTON ROAD, Eden Praire, MN 55344$448,293
Ncr Corporation Fka Digital InsightHome BankingPO BOX 740641, Los Angeles, CA 90051$446,975
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,130,664
Investment Income
$838,974
Other Revenue
$4,291
Change in Net Assets
$2,175,413

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,973,929
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$11,973,929
Total Revenue per Form 990
$11,973,929
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,218,691
Salaries, Compensation, and Employee Benefits$4,579,825
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,722,900
All Other Expenses---$1,022,842
Other Employee Benefits---$932,430
Depreciation Depletion---$784,491
Information Technology---$521,183
Current Officers, Directors, Trustees, and Key Employees---$501,882
Occupancy---$370,030
Other Expenses---$305,019
Payroll Taxes---$235,763
Fees for Services Management---$214,595
Pension Plan Contributions---$186,850
Advertising---$147,707
Travel---$144,938
Office Expenses---$110,994
Fees for Services Accounting---$76,694
Fees for Services Other---$54,117
Total Functional Expenses$0$0$0$9,798,516

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,798,516
Total Expenses per Audited Statements$9,798,516
Total Expenses per Form 990$9,798,516
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 ItemAmount
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 ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,403,596$1,701,146▲ $297,550
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$211,771,193
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 11B

“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

Filer Name
Simplicity Credit Union
EIN
39-0860994
Phone
7153873702
Address
222 UPHAM AVENUE, MARSHFIELD, WI 54449-0790

Signing Officer

Name
Patricia Wesenberg
Title
CFO
Phone
7152076801
Signed
2018-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patricia Wesenberg
Formed
1949
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
9
Employees
109
Volunteers
0

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 24E

“Other expenses 284,856. Provision for bad debt 240,000. Postage 120,291. Telephone 108,295. Surety bond expense 76,133. Dues 71,820. Service charges 66,462. Misc write offs 38,615. Taxes 15,454. Cash over & short 1,241. Atm cash over & short -325.”

Form 990 Part XII Line 2C

“No change as the board of directors oversees the audit.”

Financial Statement Notes

PART X, LINE 2:

“U.s. Gaap requires management to evaluate tax positions taken by the credit union and recognize a tax liability (or asset) if the credit union has taken an uncertain position that more likely than not would be sustained upon examination by a taxing authority. Management has analyzed the tax positions taken by the credit union and has concluded that as of december 31, 2016, 2015, and 2014, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The credit union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The credit union will recognize future accrued interest and penalties related to unrecognized tax benefits in income tax expense if incurred.”

Raw XML AppendixShowing 400 of 526 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/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9236663
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10140314
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11119795
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF ADMINISTRATION OFFIC
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF EXPERIENCE OFFICER
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IRS990/Form990TFiledInd01
IRS990/FormationYr01949
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-6913
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt011980842
IRS990/GrossRentsGrp/RealAmt04291
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0521183
IRS990/InvestmentIncomeGrp/ExclusionAmt0845887
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0845887
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt02667649
IRS990/InvestmentsProgramRelatedGrp/EOYAmt02605491
IRS990/InvestmentsPubTradedSecGrp/BOYAmt014711675
IRS990/InvestmentsPubTradedSecGrp/EOYAmt015190951
IRS990/IRPDocumentCnt04970
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt06529964
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08600058
IRS990/LandBldgEquipCostOrOtherBssAmt014117343
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt06913
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A 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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt024211578
IRS990/NetAssetsOrFundBalancesEOYAmt026420627
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-6913
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-6913
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt04291
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt04291
IRS990/NetUnrelatedBusTxblIncmAmt0-17662
IRS990/NetUnrlzdGainsLossesInvstAmt033636
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0370030
IRS990/OfficeExpensesGrp/TotalAmt0110994
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05238873
IRS990/OtherAssetsTotalGrp/EOYAmt04877994
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0932430
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON SHARES
IRS990/OtherExpensesGrp/Desc1HOME BANKING EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN ORIGINATION AND SE
IRS990/OtherExpensesGrp/Desc3DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/TotalAmt0589089
IRS990/OtherExpensesGrp/TotalAmt1453525
IRS990/OtherExpensesGrp/TotalAmt2423467
IRS990/OtherExpensesGrp/TotalAmt3305019
IRS990/OtherLiabilitiesGrp/BOYAmt0208510608
IRS990/OtherLiabilitiesGrp/EOYAmt0211771193
IRS990/OtherSalariesAndWagesGrp/TotalAmt02722900
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0156063398
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0163879206
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0235763
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt04469849
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt04469849
IRS990/PensionPlanContributionsGrp/TotalAmt0186850
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0429489
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0382137
IRS990/PrincipalOfficerNm0PATRICIA WESENBERG
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0PROG.SERV.REVENUE-RELATED-990
IRS990/ProgramServiceRevenueGrp/Desc1UBIT INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011121476
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011121476
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19188
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt09188
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0604616
IRS990/PYOtherExpensesAmt05186291
IRS990/PYOtherRevenueAmt0167715
IRS990/PYProgramServiceRevenueAmt010785238
IRS990/PYRevenuesLessExpensesAmt02155707
IRS990/PYSalariesCompEmpBnftPaidAmt04215571
IRS990/PYTotalExpensesAmt09401862
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011557569
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01403596
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01701146
IRS990/ReconcilationRevenueExpnssAmt02175413
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/RentalIncomeOrLossGrp/RealAmt04291
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt019741729
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt021950778
IRS990/SavingsAndTempCashInvstGrp/BOYAmt035566000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt040148276
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06481730
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01659099
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08140829
IRS990ScheduleD/EquipmentGrp/BookValueAmt01423565
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03569182
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04992747
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt09798516
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0575920
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0575920
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt016910
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt016910
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0118843
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0272094
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0390937
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0211771193
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt011973929
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0U.S. GAAP REQUIRES MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD BE SUSTAINED UPON EXAMINATION BY A TAXING AUTHORITY. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2016, 2015, AND 2014, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS IN INCOME TAX EXPENSE IF INCURRED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08600058
IRS990ScheduleD/TotalExpensesPerForm990Amt09798516
IRS990ScheduleD/TotalLiabilityAmt0211771193
IRS990ScheduleD/TotalRevenuePerForm990Amt011973929
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt011973929
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09798516
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/FirstClassOrCharterTravelInd0X
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0236663
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PATRICIA WESENBERG
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0236663
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CONTRACTUAL OBLIGATION.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1GROUP LIFE/SPLIT DOLLAR
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 1B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01701146
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT DOLLAR LIFE INSURANCE POLICY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01701146
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0PATRICIA WESENBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT/CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt01701146
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS 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/ExplanationTxt1BOARD OF DIRECTORS IS ELECTED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD MEETING

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$240,421,832
Liabilities
$214,001,205
Net assets
$26,420,627
Revenue
$11,973,929
Expenses
$9,798,516
Net income
$2,175,413
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$500$454$45.9$32.5$29.7$2.79
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$432$394$38.6$19.7$17.7$2.00
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$425$386$38.8$17.6$15.7$1.91
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$337$303$33.7$16.5$14.5$2.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$276$244$31.5$15.6$13.4$2.22
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$248$219$28.9$13.9$11.2$2.68
2017Detailed filing. Detailed filing data is available for this year.$240$214$26.4$12.0$9.80$2.18
2015Detailed filing. Detailed filing data is available for this year.$224$202$22.1$10.5$9.05$1.45
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$210$189$20.7$9.74$8.64$1.10
2013Detailed filing. Detailed filing data is available for this year.$204$185$19.2$9.26$8.75$0.51
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$194$175$19.4$8.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$180$161$18.5$8.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$171$153$18.2$8.63