Civic Intelligence

Oshkosh Community Credit Union

EIN 39-0919640 • 501(c)14 • Oshkosh, WI

Profile

Oshkosh Community Credit Union is a member-owned financial institution dedicated to providing the highest level of service to meet its members needs.

250 Pearl AvenueOshkosh, WI 54901

www.oshkoshcommunitycu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

69th percentile

0.89x

Higher debt load relative to assets than 69% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

27th percentile

12.56x

Higher debt load relative to revenue than 27% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

45th percentile

6.2%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

50th percentile

$80,556

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 5.7% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

13th percentile

-8.4%

Faster asset growth than 13% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

68th percentile

11%

Faster revenue growth than 68% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Assets

$21,792,628

No earlier filing loaded for comparison.

Liabilities

$19,601,194

No earlier filing loaded for comparison.

Net Assets

$2,191,434

No earlier filing loaded for comparison.

Revenue

$1,270,396

No earlier filing loaded for comparison.

Expenses

$1,115,391

No earlier filing loaded for comparison.

Net Income

$155,005

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $12,508,280Liabilities 2010: $11,281,155Net Assets 2010: $1,227,1252010Assets 2011: $13,056,622Liabilities 2011: $11,819,487Net Assets 2011: $1,237,1352011Assets 2012: $14,108,700Liabilities 2012: $12,827,823Net Assets 2012: $1,280,8772012Assets 2013: $13,636,927Liabilities 2013: $12,327,409Net Assets 2013: $1,309,5182013Assets 2015: $17,782,217Liabilities 2015: $16,305,387Net Assets 2015: $1,476,8302015Assets 2016: $18,067,968Liabilities 2016: $16,496,759Net Assets 2016: $1,571,2092016Assets 2017: $18,496,385Liabilities 2017: $16,789,087Net Assets 2017: $1,707,2982017Assets 2018: $18,560,817Liabilities 2018: $16,770,699Net Assets 2018: $1,790,1182018Assets 2019: $20,429,633Liabilities 2019: $18,572,741Net Assets 2019: $1,856,8922019Assets 2020: $24,746,935Liabilities 2020: $22,953,545Net Assets 2020: $1,793,3902020Assets 2022: $22,164,380Liabilities 2022: $20,270,093Net Assets 2022: $1,894,2872022Assets 2024: $21,792,628Liabilities 2024: $19,601,194Net Assets 2024: $2,191,4342024

Highlighted filing

2024

Assets$21,792,628
Liabilities$19,601,194
Net Assets$2,191,434

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $777,6832010Revenue 2011: $740,366Expenses 2011: $730,356Net Income 2011: $10,0102011Expenses 2012: $659,2242012Revenue 2013: $665,228Expenses 2013: $636,587Net Income 2013: $28,6412013Revenue 2015: $931,833Expenses 2015: $780,473Net Income 2015: $151,3602015Revenue 2016: $966,210Expenses 2016: $871,831Net Income 2016: $94,3792016Revenue 2017: $1,032,263Expenses 2017: $896,174Net Income 2017: $136,0892017Revenue 2018: $1,097,458Expenses 2018: $1,014,639Net Income 2018: $82,8192018Revenue 2019: $1,157,826Expenses 2019: $1,091,052Net Income 2019: $66,7742019Revenue 2020: $1,045,535Expenses 2020: $1,109,037Net Income 2020: -$63,5022020Revenue 2022: $999,743Expenses 2022: $899,068Net Income 2022: $100,6752022Revenue 2024: $1,270,396Expenses 2024: $1,115,391Net Income 2024: $155,0052024

Highlighted filing

2024

Revenue$1,270,396
Expenses$1,115,391
Net Income$155,005

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.8$19.6$2.19$1.27$1.12$0.16
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.2$20.3$1.89$1.00$0.90$0.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.7$23.0$1.79$1.05$1.11$0.06
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.4$18.6$1.86$1.16$1.09$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.6$16.8$1.79$1.10$1.01$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.5$16.8$1.71$1.03$0.90$0.14
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.1$16.5$1.57$0.97$0.87$0.09
2015Detailed filing. Detailed filing data is available for this year.$17.8$16.3$1.48$0.93$0.78$0.15
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$13.6$12.3$1.31$0.67$0.64$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.1$12.8$1.28$0.66
2011Summary only. Only limited summary data is available for this year.$13.1$11.8$1.24$0.74$0.73$0.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.5$11.3$1.23$0.78
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 25, 2025
Return Version
2024v5.0
Gross Receipts
$1,270,396
Mission and Program Overview

Mission

Oshkosh community credit union is a member-owned financial institution dedicated to providing the highest level of service to meet its' members needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,731,345$16,143,884▼ $1,587,461
Savings and Temporary Cash Investments$1,204,604$4,290,396▲ $3,085,792
Rtn Earn Endowment Incm Other Fnds$2,036,429$2,191,434▲ $155,005
Investments Program Related$1,016,527$673,494▼ $343,033
Cash and Non-Interest-Bearing Accounts$354,978$299,284▼ $55,694
Land, Buildings, and Equipment, Net$124,263$175,273▲ $51,010
Prepaid Expenses and Deferred Charges$102,109$77,667▼ $24,442
Total Assets$20,766,720$21,792,628▲ $1,025,908
Other Assets Total$232,894$132,630▼ $100,264
Liabilities
Other Liabilities$18,651,243$19,640,726▲ $989,483
Escrow Account Liability$28,774$39,892▲ $11,118
Accounts Payable and Accrued Expenses$50,274$-79,424▼ $129,698
Total Liabilities$18,730,291$19,601,194▲ $870,903
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,036,429$2,191,434▲ $155,005
Total Liabilities and Net Assets / Fund Balance$20,766,720$21,792,628▲ $1,025,908

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$66,040$334,825$400,865
Buildings$109,233$250,619$359,852
Leasehold Improvements-$66,929$66,929
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer StrangePresident &FT$75,690$5,032$80,722

Board Members and Trustees

NameTitle
Bradford WilliamsChair
Bradley HunterVice Chair
Nancy JudkinsSecretary
Joyce AndersonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,178,976
Investment Income
$90,184
Other Revenue
$1,236
Change in Net Assets
$155,005
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$807,837
Salaries, Compensation, and Employee Benefits$307,554
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$277,180
Other Salaries and Wages---$200,690
Information Technology---$98,114
Current Officers, Directors, Trustees, and Key Employees---$75,690
Occupancy---$33,769
Fees for Services Other---$26,874
Insurance---$26,085
Depreciation Depletion---$22,242
Payroll Taxes---$21,420
Other Expenses---$17,942
Advertising---$9,469
Conferences and Meetings---$6,720
Fees for Services Legal---$6,412
Pension Plan Contributions---$5,287
Fees for Services Accounting---$4,689
Other Employee Benefits---$4,467
Interest---$1,482
Total Functional Expenses$0$0$0$1,115,391
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 & Deposits$19,680,618
Escrow Balances to Line 21 Bal Sheet$-39,892
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 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, Page 6, Part VI, Line 6

The organization has members. To be a member one must have a share (savings) account at the credit union.

Form 990, Page 6, Part VI, Line 7A

The board of directors is elected by the credit union members. Each member has one vote.

Form 990, Page 6, Part VI, Line 7B

A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.

Form 990, Page 6, Part VI, Line 11B

Management provides necessary data to independent preparer who completes the return. Management reviews the return for accuracy, and then authorizes the preparer to e-file the approved return. Management reviews the return with the directors at their next board meeting.

Form 990, Page 6, Part VI, Line 12C

All accounts that are listed as "conflict of interest" are blocked from those employees and board members.

Form 990, Page 6, Part VI, Line 15A

The personnel committee determines the president's yearly pay increase. This increase is part of the budget process which is approved by the board of directors. The board approval is recorded in the board meeting minutes.

Form 990, Page 6, Part VI, Line 19

Governing documents and conflict of interest policy are provided upon request. Financial statements are posted in the credit union lobby.

Filing and Contact Details

Filer

Filer Name
Oshkosh Community Credit Union
EIN
39-0919640
Phone
9202331952
Address
250 PEARL AVENUE, OSHKOSH, WI 54901

Signing Officer

Name
Jennifer Strange
Title
President & Director
Phone
9202331952
Signed
2025-09-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Strange
Formed
1936
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
4
Employees
8
Volunteers
5

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Supplemental Narrative

Financial Statement Notes

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

The credit union holds funds in escrow accounts for property taxes and homeowners insurance related to mortgage loans.

Raw XML Appendix336 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/SavingsAndTempCashInvstGrp/EOYAmt04290396
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0109233
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0250619
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0359852
IRS990ScheduleD/EquipmentGrp/BookValueAmt066040
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0334825
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0400865
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt066929
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt066929
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt019680618
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-39892
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ESCROW BALANCES TO LINE 21 BAL SHEET
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0175273
IRS990ScheduleD/TotalLiabilityAmt019640726
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT PREPARER WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES THE PREPARER TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE DIRECTORS AT THEIR NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL ACCOUNTS THAT ARE LISTED AS "CONFLICT OF INTEREST" ARE BLOCKED FROM THOSE EMPLOYEES AND BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PERSONNEL COMMITTEE DETERMINES THE PRESIDENT'S YEARLY PAY INCREASE. THIS INCREASE IS PART OF THE BUDGET PROCESS WHICH IS APPROVED BY THE BOARD OF DIRECTORS. THE BOARD APPROVAL IS RECORDED IN THE BOARD MEETING MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE PROVIDED UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt020766720
IRS990/TotalAssetsEOYAmt021792628
IRS990/TotalAssetsGrp/BOYAmt020766720
IRS990/TotalAssetsGrp/EOYAmt021792628
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01115391
IRS990/TotalGrossUBIAmt02225
IRS990/TotalLiabilitiesBOYAmt018730291
IRS990/TotalLiabilitiesEOYAmt019601194
IRS990/TotalLiabilitiesGrp/BOYAmt018730291
IRS990/TotalLiabilitiesGrp/EOYAmt019601194
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02036429
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02191434
IRS990/TotalOtherCompensationAmt05032
IRS990/TotalProgramServiceRevenueAmt01178976
IRS990/TotalReportableCompFromOrgAmt075690
IRS990/TotalRevenueGrp/ExclusionAmt091420
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01176751
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01270396
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02225
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020766720
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021792628
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0250 PEARL AVE
IRS990/USAddress/CityNm0OSHKOSH
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054901
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0OSHKOSHCOMMUNITYCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JENNIFER STRANGE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum09202331952
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0OSHKOSH COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0OSHK
ReturnHeader/Filer/EIN0390919640
ReturnHeader/Filer/PhoneNum09202331952
ReturnHeader/Filer/USAddress/AddressLine1Txt0250 PEARL AVENUE
ReturnHeader/Filer/USAddress/CityNm0OSHKOSH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054901
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0811697509
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0AUDIT THREESIXTY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01202 JOHNSON ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ONALASKA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546502008
ReturnHeader/PreparerPersonGrp/PhoneNum06083173765
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-10-07T17:28:08-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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