Civic Intelligence

Superior Choice Credit Union

990 • Fiscal year 2024 • EIN 39-0906277

Jan 01, 2024 to Dec 31, 2024 • Filed on Nov 17, 2025

Organization ProfileWWW.SUPERIORCHOICE.COM

View Organization Page

1320 Grand AvenueSuperior, WI 54880

(715) 718-5804

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.94x

Higher debt load relative to assets than 92% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

48th percentile

14.76x

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

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

2nd percentile

-27%

Higher net margin than 2% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

53rd percentile

$459,098

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

7th percentile

-4.9%

Faster asset growth than 7% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

6th percentile

-1.4%

Faster revenue growth than 6% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets92nd percentile

Assets

$764,530,540

No earlier filing loaded for comparison.

Net Assets

$47,724,178

No earlier filing loaded for comparison.

Liabilities

$716,806,362

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin2nd percentile

Revenue

$48,578,189

No earlier filing loaded for comparison.

Expenses

$61,632,780

No earlier filing loaded for comparison.

Net Income

-$13,054,591

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

$800M$600M$400M$200M$0Assets 2010: $188,271,953Liabilities 2010: $171,890,707Net Assets 2010: $16,381,2462010Assets 2011: $195,976,774Liabilities 2011: $177,779,016Net Assets 2011: $18,197,7582011Assets 2012: $227,107,571Liabilities 2012: $204,579,117Net Assets 2012: $22,528,4542012Assets 2014: $279,062,032Liabilities 2014: $249,045,558Net Assets 2014: $30,016,4742014Assets 2015: $330,110,222Liabilities 2015: $296,608,201Net Assets 2015: $33,502,0212015Assets 2016: $369,762,995Liabilities 2016: $331,190,054Net Assets 2016: $38,572,9412016Assets 2018: $474,858,507Liabilities 2018: $426,847,831Net Assets 2018: $48,010,6762018Assets 2019: $492,403,882Liabilities 2019: $438,438,071Net Assets 2019: $53,965,8112019Assets 2020: $546,658,124Liabilities 2020: $486,731,562Net Assets 2020: $59,926,5622020Assets 2021: $601,143,174Liabilities 2021: $538,551,142Net Assets 2021: $62,592,0322021Assets 2022: $708,340,396Liabilities 2022: $646,689,586Net Assets 2022: $61,650,8102022Assets 2024: $764,530,540Liabilities 2024: $716,806,362Net Assets 2024: $47,724,1782024

Highlighted filing

2024

Assets$764,530,540
Liabilities$716,806,362
Net Assets$47,724,178
Open 2024 Filing

Operations Trend

Revenue Growth6th percentile

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

$80M$60M$40M$20M$0-$20MExpenses 2010: $11,373,4192010Expenses 2011: $10,320,3722011Revenue 2012: $13,746,116Expenses 2012: $9,326,652Net Income 2012: $4,419,4642012Revenue 2014: $15,389,737Expenses 2014: $11,462,756Net Income 2014: $3,926,9812014Revenue 2015: $17,054,715Expenses 2015: $12,969,355Net Income 2015: $4,085,3602015Revenue 2016: $18,909,363Expenses 2016: $13,757,664Net Income 2016: $5,151,6992016Revenue 2018: $23,676,337Expenses 2018: $17,760,415Net Income 2018: $5,915,9222018Revenue 2019: $26,011,295Expenses 2019: $20,949,551Net Income 2019: $5,061,7442019Revenue 2020: $23,730,133Expenses 2020: $18,638,422Net Income 2020: $5,091,7112020Revenue 2021: $23,422,033Expenses 2021: $21,426,090Net Income 2021: $1,995,9432021Revenue 2022: $30,905,234Expenses 2022: $28,681,357Net Income 2022: $2,223,8772022Revenue 2024: $48,578,189Expenses 2024: $61,632,780Net Income 2024: -$13,054,5912024

Highlighted filing

2024

Revenue$48,578,189
Expenses$61,632,780
Net Income-$13,054,591
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$48,578,189
Mission and Program Overview

Mission

A not-for-profit member-owned financial institution organized to provide financial services to our members. Operations are primarily related to holding deposits for and making loans to members.

A non profit member owned financial institution organized to provide financial services to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$634,622,080$584,098,389▼ $50,523,691
Savings and Temporary Cash Investments$60,098,942$58,412,495▼ $1,686,447
Investments Other Securities$35,044,686$51,428,396▲ $16,383,710
Rtn Earn Endowment Incm Other Fnds$60,194,629$47,724,178▼ $12,470,451
Land, Buildings, and Equipment, Net$26,088,482$30,855,297▲ $4,766,815
Intangible Assets$9,062,177$7,375,335▼ $1,686,842
Investments Program Related$6,260,869--
Cash and Non-Interest-Bearing Accounts$8,624,042$5,285,985▼ $3,338,057
Investments in Publicly Traded Securities$2,892,500$2,442,500▼ $450,000
Prepaid Expenses and Deferred Charges$7,251,966$2,223,878▼ $5,028,088
Accounts Receivable$727,267$0▼ $727,267
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$804,124,778$764,530,540▼ $39,594,238
Other Assets Total$13,451,767$22,408,265▲ $8,956,498
Liabilities
Other Liabilities$660,842,489$656,451,778▼ $4,390,711
Mortgage Notes Payable Secured by Investment Property$76,500,000$53,625,000▼ $22,875,000
Accounts Payable and Accrued Expenses$6,587,660$6,729,584▲ $141,924
Total Liabilities$743,930,149$716,806,362▼ $27,123,787
Net Assets / Fund Balance
Total Net Assets Fund Balance$60,194,629$47,724,178▼ $12,470,451
Total Liabilities and Net Assets / Fund Balance$804,124,778$764,530,540▼ $39,594,238

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$24,194,253$4,983,026$29,177,279
Equipment$2,972,900$8,230,286$11,203,186
Land$3,450,689-$3,450,689
Leasehold Improvements$237,455$318,260$555,715
Other Securities$7,298,151--
Compensation and Service Providers
Top Officer Pay53rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tim FosterChief Executive OfficerFT$415,000$44,098$459,098
Kelli KoehlerChief Brand OfficerFT$259,399$51,566$310,965
Jennifer StramaChief Lending OfficerFT$199,039$44,068$243,107
Shane AsbelChief Operating OfficerFT$141,784$83,936$225,720
Benjamin AltonenSVP of AccountingFT$174,664$42,712$217,376
Heather DavisChief Operating OfficerFT$143,863$48,652$192,515
Julie LupaVP of Loan OperationsFT$142,877$10,531$153,408
Tammy MakelaVP of AccountingFT$135,307-$135,307
Eric AndersonVP of LendingFT$123,232-$123,232
Dawne DavisVP of Digital SolutionsFT$111,260-$111,260
Katie BedardMortgage OriginatorFT$104,005-$104,005
Mark CasperBoard Member-$3,200-$3,200
Robert FrenchickBoard Member-$3,050-$3,050
Charles GlazmanBoard Member-$3,000-$3,000
Gregory Running JrBoard Member-$3,000-$3,000
James LarsonBoard Member-$3,000-$3,000
Lisa NaultBoard Member-$3,000-$3,000
Pamela TafelskiBoard Member-$3,000-$3,000
Paul GilbertsonBoard Member-$3,000-$3,000
William AndersonBoard Member-$2,400-$2,400
Jill UnterbergerBoard Member-$600-$600

Board Members and Trustees

NameTitle
Justin FonfaraBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Hoeft Builders INCBuilding Contractor1450 RIVERS EDGE TRAIL, Altoona, WI 54720$6,392,900
Fiserv INCCore ProcessorPO BOX 934057, Atlanta, GA 31193$2,161,194
PscuveleraDebit Card Processing560 CARILLON PKWY, St Peterburg, FL 33716$1,178,197
Alkami TechnologyDigital SfotwarePO BOX 122223, Dallax, TX 75312$834,026
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$42,465,560
Investment Income
$6,112,629
Other Revenue
$0
Change in Net Assets
$-13,054,591

Audited Revenue Reconciliation

Revenue per Audited Statements
$48,578,189
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$48,578,189
Total Revenue per Form 990
$48,578,189
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$49,359,768
Salaries, Compensation, and Employee Benefits$12,273,012
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,939,704
Interest---$2,948,503
Office Expenses---$2,804,103
Occupancy---$2,194,369
Other Employee Benefits---$2,115,792
Depreciation Depletion---$2,008,790
Current Officers, Directors, Trustees, and Key Employees---$1,935,384
Advertising---$1,644,303
Insurance---$880,410
Payroll Taxes---$751,009
Pension Plan Contributions---$531,123
Other Expenses---$405,002
All Other Expenses---$395,187
Fees for Services Accounting---$234,388
Travel---$166,385
Fees for Services Other---$91,005
Fees for Services Legal---$78,908
Fees for Services Management---$11,700
Total Functional Expenses$0$0$0$61,632,780

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$61,632,780
Total Expenses per Audited Statements$61,632,780
Total Expenses per Form 990$61,632,780
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Certificates$249,462,670
Regular Shares$175,721,140
Share Drafts$154,582,311
Money Market$64,461,928
Ira Shares$7,732,330
Other Share Accounts$4,491,399
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 35% controlled entity
No
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

Form 990, Part VI, Section A, Line 7A

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the president and cfo and presented to the board of directors at their monthly meeting immediately following the submission of form 990.”

Form 990, Part VI, Section B, Line 12C

“Annual disclosures of family and business relationships is required from all insiders. Internal and external audits of these relationships are conducted.”

Form 990, Part VI, Section B, Line 15A

“Management and staff salaries, other than the president, are administered through the use of the company's salary administration program. The system provides a structured approach to salary grading and comparable salaries for all positions on staff. All salary adjustments are made according to board approved matrices with final review and approval by the president. The president's salary and annual adjustment is reviewed and approved by the board of directors.”

Form 990, Part VI, Section C, Line 18

“The governing documents, financial statements, and policies of the credit union are available upon written request for the same period of disclosure as set forth in section 6104(d). Financial information is posted in the lobby each month.”

Form 990, Part VI, Section C, Line 19

“These documents are not available to the general public.”

Filing and Contact Details

Filer

Filer Name
Superior Choice Credit Union
EIN
39-0906277
Phone
7157185804
Address
1320 GRAND AVENUE, SUPERIOR, WI 54880

Signing Officer

Name
Justin Houle
Title
CFO
Phone
7157185804
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Justin Houle
Formed
1932
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
198
Volunteers
5

Preparer

Firm
Gbq Partners LLC
Address
230 WEST STREET SUITE 700, COLUMBUS, OH 43215
Preparer
Kathleen M Moseley
Phone
6142211120
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in defined benefit obligation 794,555.”

Form 990, Part XII, Line 2C

“The process is not changed from prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union accounts for uncertainty in income taxes in its financial statements as required under financial accounting standards board (fasb) accounting standards codification (asc), accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The standard also provides guidance on de-recognition, classification, interest and penalties, accounting in interim periods, disclosure and transition accounting. Management determined there were no material uncertain positions taken in its tax returns.”

Schedule D, Page 2, Part IV, Line 1 B

“The credit union services mortgage loans on behalf of freddie mac. Funds are held in escrow to pay taxes and insurance on behalf of mortgage loan members.”

Raw XML AppendixShowing 400 of 683 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/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF BRAND OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP OF DIGITAL SOLUTIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP OF LOAN OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt21MORTGAGE ORIGINATOR
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IRS990/Form990TFiledInd01
IRS990/FormationYr01932
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01210385
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01210385
IRS990/GrossReceiptsAmt048578189
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
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IRS990/IndivRcvdGreaterThan100KCnt011
IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/IntangibleAssetsGrp/BOYAmt09062177
IRS990/IntangibleAssetsGrp/EOYAmt07375335
IRS990/InterestGrp/TotalAmt02948503
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04902244
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IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
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IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt053625000
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IRS990/NetAssetsOrFundBalancesEOYAmt047724178
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01210385
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IRS990/NetUnrlzdGainsLossesInvstAmt0-210415
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IRS990/OfficeExpensesGrp/TotalAmt02804103
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt022408265
IRS990/OtherChangesInNetAssetsAmt0794555
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02115792
IRS990/OtherExpensesGrp/Desc0PROVISION FOR BAD DEBT
IRS990/OtherExpensesGrp/Desc1DIVIDENDS PAID TO MEMBE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3OTHER
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IRS990/OtherExpensesGrp/TotalAmt114836060
IRS990/OtherExpensesGrp/TotalAmt22963855
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt029177279

Document Assets

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Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$764,530,540
Liabilities
$716,806,362
Net assets
$47,724,178
Revenue
$48,578,189
Expenses
$61,632,780
Net income
-$13,054,591
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$765$717$47.7$48.6$61.6$13.1
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.$708$647$61.7$30.9$28.7$2.22
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$601$539$62.6$23.4$21.4$2.00
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$547$487$59.9$23.7$18.6$5.09
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$492$438$54.0$26.0$20.9$5.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$475$427$48.0$23.7$17.8$5.92
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$370$331$38.6$18.9$13.8$5.15
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$330$297$33.5$17.1$13.0$4.09
2014Detailed filing. Detailed filing data is available for this year.$279$249$30.0$15.4$11.5$3.93
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2012Summary only. Only limited summary data is available for this year.$227$205$22.5$13.7$9.33$4.42
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$196$178$18.2$10.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$188$172$16.4$11.4