Civic Intelligence

Oshkosh Community Credit Union

990 • Fiscal year 2020 • EIN 39-0919640

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 16, 2021

Organization ProfileWWW.OSHKOSHCOMMUNITYCU.COM

View Organization Page

250 Pearl AvenueOshkosh, WI 54901

(920) 233-1952

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.93x

Higher debt load relative to assets than 93% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

52nd percentile

21.95x

Higher debt load relative to revenue than 52% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Net Margin

15th percentile

-6.1%

Higher net margin than 15% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

27th percentile

$56,122

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Asset Growth

87th percentile

21%

Faster asset growth than 87% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

32nd percentile

-9.7%

Faster revenue growth than 32% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$24,746,935

Up $4,317,302 (+21%) from 2019

Net Assets

Down

$1,793,390

Down $63,502 (-3.4%) from 2019

Liabilities

Up

$22,953,545

Up $4,380,804 (+24%) from 2019

Revenue And Expenses
Liabilities / Revenue52nd percentileNet Margin15th percentile

Revenue

Down

$1,045,535

Down $112,291 (-9.7%) from 2019

Expenses

Up

$1,109,037

Up $17,985 (+1.6%) from 2019

Net Income

Down

-$63,502

Down $130,276 (-195%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth87th percentile

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

$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

2020

Assets$24,746,935
Liabilities$22,953,545
Net Assets$1,793,390
Open 2020 Filing

Operations Trend

Revenue Growth32nd percentile

Revenue, expenses, and net income across loaded years, with this 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

2020

Revenue$1,045,535
Expenses$1,109,037
Net Income-$63,502
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 16, 2021
Return Version
2020v4.0
Gross Receipts
$1,045,535
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$14,797,213$13,776,969▼ $1,020,244
Savings and Temporary Cash Investments$4,516,935$9,193,040▲ $4,676,105
Rtn Earn Endowment Incm Other Fnds$1,856,892$1,793,390▼ $63,502
Investments Program Related$139,206$990,504▲ $851,298
Cash and Non-Interest-Bearing Accounts$223,550$262,657▲ $39,107
Land, Buildings, and Equipment, Net$240,432$198,495▼ $41,937
Prepaid Expenses and Deferred Charges$25,748$23,543▼ $2,205
Total Assets$20,429,633$24,746,935▲ $4,317,302
Other Assets Total$486,549$301,727▼ $184,822
Liabilities
Other Liabilities$18,483,085$22,843,125▲ $4,360,040
Accounts Payable and Accrued Expenses$57,034$74,102▲ $17,068
Escrow Account Liability$32,622$36,318▲ $3,696
Total Liabilities$18,572,741$22,953,545▲ $4,380,804
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,856,892$1,793,390▼ $63,502
Total Liabilities and Net Assets / Fund Balance$20,429,633$24,746,935▲ $4,317,302

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$30,404$410,557$440,961
Buildings$168,091$189,045$357,136
Leasehold Improvements-$66,929$66,929
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer StrangePresidentFT$55,159$963$56,122

Board Members and Trustees

NameTitle
James PollnowChair
Bradford WilliamsVice Chair
Maigon ModeneDirector
Trasy RuettenSecretary
Nancy JudkinsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,003,766
Investment Income
$37,981
Other Revenue
$3,788
Change in Net Assets
$-63,502
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$795,138
Salaries, Compensation, and Employee Benefits$313,899
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$226,311
Office Expenses---$203,621
Information Technology---$142,383
Other Expenses---$75,286
Current Officers, Directors, Trustees, and Key Employees---$55,159
Depreciation Depletion---$49,666
Occupancy---$34,588
Insurance---$21,747
Payroll Taxes---$21,645
Fees for Services Other---$20,052
Advertising---$12,187
Fees for Services Accounting---$7,620
Pension Plan Contributions---$6,580
Other Employee Benefits---$4,204
Conferences and Meetings---$1,249
Total Functional Expenses$0$0$0$1,109,037
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$22,879,443
Escrow Balances to Line 21 Bal Sheet$-36,318
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
Yes
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, board members, etc.”

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

“The personnel committee determines the president's yearly pay increases. 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 15B

“The personnel committee determines the employees yearly pay increases. This increase is part of the budget process which is then approved by the board. Any other pay increases are determined by the personnel committee and then approved at the next board meeting. 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
Phone
9202331952
Signed
2021-04-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Strange
Formed
1936
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
10
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 Appendix340 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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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/TotalBookValueLandBuildingsAmt0198495
IRS990ScheduleD/TotalLiabilityAmt022843125
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, BOARD MEMBERS, ETC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PERSONNEL COMMITTEE DETERMINES THE PRESIDENT'S YEARLY PAY INCREASES. 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/ExplanationTxt6THE PERSONNEL COMMITTEE DETERMINES THE EMPLOYEES YEARLY PAY INCREASES. THIS INCREASE IS PART OF THE BUDGET PROCESS WHICH IS THEN APPROVED BY THE BOARD. ANY OTHER PAY INCREASES ARE DETERMINED BY THE PERSONNEL COMMITTEE AND THEN APPROVED AT THE NEXT BOARD MEETING. THE BOARD APPROVAL IS RECORDED IN THE BOARD MEETING MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING 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 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt020429633
IRS990/TotalAssetsEOYAmt024746935
IRS990/TotalAssetsGrp/BOYAmt020429633
IRS990/TotalAssetsGrp/EOYAmt024746935
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01109037
IRS990/TotalGrossUBIAmt02660
IRS990/TotalLiabilitiesBOYAmt018572741
IRS990/TotalLiabilitiesEOYAmt022953545
IRS990/TotalLiabilitiesGrp/BOYAmt018572741
IRS990/TotalLiabilitiesGrp/EOYAmt022953545
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01856892
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01793390
IRS990/TotalOtherCompensationAmt0963
IRS990/TotalProgramServiceRevenueAmt01003766
IRS990/TotalReportableCompFromOrgAmt055159
IRS990/TotalRevenueGrp/ExclusionAmt041769
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01001106
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01045535
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02660
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020429633
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt024746935
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0250 PEARL AVE
IRS990/USAddress/CityNm0OSHKOSH
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054901
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.OSHKOSHCOMMUNITYCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JENNIFER STRANGE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09202331952
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-16
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/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/PreparationDt02021-06-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02021-06-10T16:13:36-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JENNIFER
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0STRANGE
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,746,935
Liabilities
$22,953,545
Net assets
$1,793,390
Revenue
$1,045,535
Expenses
$1,109,037
Net income
-$63,502
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.
2020Detailed filing. Detailed filing data is available for this year.$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