Liabilities / Assets
23rd percentile
Higher debt load relative to assets than 23% of similar nonprofits.
Cloverbelt Credit Union
EIN 39-0926186 • 501(c)14 • Wausau, WI
Profile
Cloverbelt credit union will consistently deliver prompt courteous service to our members, achieve superior, long-term value to our members. We also want to create an environment that promotes and rewards the development and positive contribution of our employees.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.87x
Liabilities / Revenue
92nd percentile
Higher debt load relative to revenue than 92% of similar nonprofits.
Net Margin
43rd percentile
Higher net margin than 43% of similar nonprofits.
Top Officer Pay
24th percentile
Higher top officer pay than 24% of similar nonprofits.
Top officer pay equals 2.3% of source-year revenue.
Asset Growth
34th percentile
Faster asset growth than 34% of similar nonprofits.
Revenue Growth
56th percentile
Faster revenue growth than 56% of similar nonprofits.
Balance Sheet
Assets
Up$317,642,521
Up $2,761,837 (+0.9%) from 2023
Liabilities
Up$277,884,510
Up $1,670,755 (+0.6%) from 2023
Net Assets
Up$39,758,011
Up $1,091,082 (+2.8%) from 2023
Revenue
Up$14,323,872
Up $1,831,568 (+15%) from 2023
Expenses
Up$13,232,790
Up $1,415,681 (+12%) from 2023
Net Income
Up$1,091,082
Up $415,887 (+62%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
- Assets
- $317,642,521
- Liabilities
- $277,884,510
- Net assets
- $39,758,011
- Revenue
- $14,323,872
- Expenses
- $13,232,790
- Net income
- $1,091,082
Latest Detailed Filing
The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2021 below.
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2021 to Dec 31, 2021
- Signed
- May 9, 2022
- Return Version
- 2021v4.2
- Gross Receipts
- $9,967,829
Mission and Program Overview
Mission
Cloverbelt credit union will consistently deliver prompt courteous service to our members, achieve superior, long-term value to our members. We also want to create an environment that promotes and rewards the development and positive contribution of our employees.
A cooperative, nonprofit corporation, incorporated under wisconsin state law to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $191,588,296 | $211,349,284 | ▲ $19,760,988 |
| Investments Other Securities | $47,348,521 | $53,836,000 | ▲ $6,487,479 |
| Rtn Earn Endowment Incm Other Fnds | $34,703,853 | $36,329,185 | ▲ $1,625,332 |
| Savings and Temporary Cash Investments | $18,291,468 | $14,237,476 | ▼ $4,053,992 |
| Land, Buildings, and Equipment, Net | $7,849,237 | $7,602,277 | ▼ $246,960 |
| Cash and Non-Interest-Bearing Accounts | $1,993,306 | $1,858,433 | ▼ $134,873 |
| Prepaid Expenses and Deferred Charges | $310,727 | $603,448 | ▲ $292,721 |
| Accounts Receivable | $436,504 | $377,059 | ▼ $59,445 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $278,288,526 | $300,302,432 | ▲ $22,013,906 |
| Other Assets Total | $10,470,467 | $10,438,455 | ▼ $32,012 |
| Liabilities | |||
| Other Liabilities | $235,606,624 | $258,833,838 | ▲ $23,227,214 |
| Mortgage Notes Payable Secured by Investment Property | $6,000,000 | $3,000,000 | ▼ $3,000,000 |
| Accounts Payable and Accrued Expenses | $1,978,049 | $2,139,409 | ▲ $161,360 |
| Total Liabilities | $243,584,673 | $263,973,247 | ▲ $20,388,574 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $34,703,853 | $36,329,185 | ▲ $1,625,332 |
| Total Liabilities and Net Assets / Fund Balance | $278,288,526 | $300,302,432 | ▲ $22,013,906 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $6,268,037 | $1,437,345 | $7,705,382 |
| Equipment | $525,319 | $2,146,201 | $2,671,520 |
| Land | $717,951 | - | $717,951 |
| Other Land Buildings | $90,970 | $272,078 | $363,048 |
| Other Securities | $1,000,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Paul J Chittum | President/CEO | FT | $268,710 | $237,197 | $505,907 |
| Lisa Hieronimus | Exec Vice President/CFO | FT | $147,191 | $74,304 | $221,495 |
| Darak Hutchinson | Vice President | FT | $90,144 | $57,725 | $147,869 |
| Jackie Sturzenegger | Vice President | FT | $85,732 | $18,262 | $103,994 |
| Kathleen Volkmann | Vice President | FT | $79,166 | $11,332 | $90,498 |
| Eldon Pagel | Chairman | - | $2,400 | - | $2,400 |
| Beverly Folgert | Secretary | - | $1,800 | - | $1,800 |
| James Nick | Credit Committee | - | $1,800 | - | $1,800 |
| Joel Breitzman | Credit Committee | - | $1,800 | - | $1,800 |
| Marty Krach | Credit Committee | - | $1,800 | - | $1,800 |
| Scott Hunger | Vice Chairman | - | $1,800 | - | $1,800 |
| Terrance Pisca | Treasurer | - | $1,800 | - | $1,800 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $9,309,019
- Investment Income
- $658,810
- Other Revenue
- $0
- Change in Net Assets
- $1,625,332
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,241,533 |
| Salaries, Compensation, and Employee Benefits | $4,088,639 |
| Grants and Similar Amounts Paid | $12,325 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $2,182,297 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $1,082,963 |
| Other Employee Benefits | - | - | - | $516,546 |
| Depreciation Depletion | - | - | - | $442,972 |
| Occupancy | - | - | - | $363,648 |
| Information Technology | - | - | - | $329,986 |
| Office Expenses | - | - | - | $317,786 |
| Advertising | - | - | - | $292,230 |
| All Other Expenses | - | - | - | $219,071 |
| Payroll Taxes | - | - | - | $218,871 |
| Interest | - | - | - | $145,166 |
| Pension Plan Contributions | - | - | - | $87,962 |
| Fees for Services Other | - | - | - | $68,255 |
| Other Expenses | - | - | - | $53,001 |
| Insurance | - | - | - | $42,414 |
| Fees for Services Accounting | - | - | - | $36,188 |
| Conferences and Meetings | - | - | - | $19,772 |
| Grants to Domestic Individuals | - | - | - | $6,500 |
| Grants to Domestic Orgs | - | - | - | $5,825 |
| Travel | - | - | - | $3,649 |
| Fees for Services Legal | - | - | - | $930 |
| Total Functional Expenses | $0 | $0 | $0 | $8,342,497 |
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
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Certificates of Deposits and Savings | $217,525,668 |
| Drafts | $41,308,170 |
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
- No
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“Cloverbelt credit union is owned and operated by its 16,842 members and a volunteer board of directors. To qualify as a member, you must have a minimum of $5.00 in a savings account and live or work in marathon, lincoln, wood, portage, clark, langlade, shawano, or taylor counties.”
Form 990, Part VI, Section A, Line 7A
“Any person that qualifies to be a member of cloverbelt credit union has the same voting rights to elect one or more members of the governing body (board of directors). The board of directors are elected by the members utilizing their one vote per member.”
Form 990, Part VI, Section B, Line 11B
“The form 990 is reviewed by the vice president and chief financial officer with the board of directors.”
Form 990, Part VI, Section B, Line 12C
“Each year all employees and board of directors complete a written conflict of interest form agreeing to abide by our conflict of interest policy. A form is also completed by each new hire. Our core computer systems allow us to input employee account numbers in their user set up and prevents them from performing transactions on their own accounts or accounts they have joint ownership on. We also review security reports to verify no activity has been performed by an employee on their own account.”
Form 990, Part VI, Section B, Line 15
“Compensation for the ceo is determined by the board of directors. The salary is based on the performance and asset size of the credit union. Credit union compensation surveys are also evaluated. The president/ceo determines the salaries for other officers of the credit union. The salary is based on the performance and asset size of the credit union as well as industry averages based on credit union compensation surveys.”
Form 990, Part VI, Section C, Line 19
“We do not make the by-laws or conflict of interest policy available to the public. Monthly financial statements are posted in our foyer for members to view. Financial statements are also available by viewing the ncua 5300 call report. We would also provide a copy of the annual form 990 if requested.”
Filing and Contact Details
Filer
- Filer Name
- Cloverbelt Credit Union
- EIN
- 39-0926186
- Phone
- 7158425693
- Address
- 110 MCINDOE STREET PO BOX 659, WAUSAU, WI 54402-0659
Signing Officer
- Name
- Lisa Hieronimus
- Title
- Executive Vice President/CFO
- Phone
- 7158425693
- Signed
- 2022-05-09
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Lisa Hieronimus
- Formed
- 1935
- Legal Domicile
- Wi
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 63
- Volunteers
- 7
Preparer
- Firm
- Wipfli Llp
- Address
- PO BOX 8010, WAUSAU, WI 54402-8010
- Preparer
- Mary a Coates CPA
- Phone
- 7158453111
Raw XML AppendixShowing 400 of 472 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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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 2139409 |
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| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 377059 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | A COOPERATIVE, NONPROFIT CORPORATION, INCORPORATED UNDER WISCONSIN STATE LAW TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. |
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| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | WAUSAU |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | WI |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1858433 |
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| IRS990/Desc | 0 | PROVIDED 7,123 LOANS TO MEMBERS FOR $211,577,411. |
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| IRS990/EmployeeCnt | 0 | 63 |
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| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 68255 |
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| 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 | 40.00 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | PAUL J CHITTUM |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | CREDIT COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | CREDIT COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | CREDIT COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | EXEC VICE PRESIDENT/CFO |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VICE PRESIDENT |
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| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1935 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
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| IRS990/GrantsToIndividualsInd | 0 | 1 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
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| IRS990/GroupExemptionNum | 0 | 2157 |
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| IRS990/InsuranceGrp/TotalAmt | 0 | 42414 |
| IRS990/InterestGrp/TotalAmt | 0 | 145166 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 658810 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 658810 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 47348521 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 53836000 |
| IRS990/IRPDocumentCnt | 0 | 7198 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3855624 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 7849237 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 7602277 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 11457901 |
| IRS990/LegalDomicileStateCd | 0 | WI |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | CLOVERBELT CREDIT UNION WILL CONSISTENTLY DELIVER PROMPT COURTEOUS SERVICE TO OUR MEMBERS, ACHIEVE SUPERIOR, LONG-TERM VALUE TO OUR MEMBERS. WE ALSO WANT TO CREATE AN ENVIRONMENT THAT PROMOTES AND REWARDS THE DEVELOPMENT AND POSITIVE CONTRIBUTION OF OUR EMPLOYEES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 6000000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 3000000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 34703853 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 36329185 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 363648 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 317786 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 10470467 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 10438455 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 516546 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | CHARGES AND FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING FEES |
| IRS990/OtherExpensesGrp/Desc | 3 | DUES AND MEMBERSHIPS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1321637 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 407854 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 176974 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 53001 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 235606624 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 258833838 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2182297 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 191588296 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 211349284 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 218871 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 87962 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 310727 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 603448 |
| IRS990/PrincipalOfficerNm | 0 | LISA HIERONIMUS |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME/OTHER |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | CREDIT LIFE/CREDIT DIS |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | ATM FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | GAP/MECHANICAL REPAIR |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7890089 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1313093 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 64623 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 29788 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 6027 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 7890089 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1313093 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 64623 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 34813 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 6401 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 5025 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 374 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDED LOW-COST FINANCIAL SERVICES TO 16,842 MEMBERS WITH $258,828,910 IN DEPOSITS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PAID DIVIDENDS TO MEMBERS TOTALING $1,321,637. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 35000 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 51931 |
| IRS990/PYInvestmentIncomeAmt | 0 | 791140 |
| IRS990/PYOtherExpensesAmt | 0 | 4975939 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 9729693 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1481437 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 4046526 |
| IRS990/PYTotalExpensesAmt | 0 | 9074396 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 10555833 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1625332 |
| 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 | 34703853 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 36329185 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 18291468 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 14237476 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 6268037 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1437345 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 7705382 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 525319 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2146201 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2671520 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 717951 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 717951 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 90970 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 272078 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 363048 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 41308170 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 217525668 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | CERTIFICATES OF DEPOSITS AND SAVINGS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 49393000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 1515083 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 495000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 484917 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 948000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 5 | 1000000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | HELD-TO-MATURITY DEBT SECURITIES |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | NONPERPETUAL CAPITAL ACCOUNT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | PERPETUAL CONTRIBUTED CAPITAL |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | DEPOSITS IN COMMERCIAL BANKS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 5 | OTHER INVESTMENTS IN CORPORATE CREDIT UNIONS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 5 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 7602277 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 53836000 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 258833838 |
| IRS990ScheduleI/GrantRecordsMaintainedInd | 0 | 1 |
| IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt | 0 | 6500 |
| IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt | 0 | SCHOLARSHIPS |
| IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt | 0 | 13 |
| IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt | 0 | CLOVERBELT CREDIT UNION DID NOT DONATE MORE THAN $5,000 TO ANY INDIVIDUAL ORGANIZATION DURING 2021. |
| IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 2: |
| IRS990ScheduleI/Total501c3OrgCnt | 0 | 0 |
| IRS990ScheduleI/TotalOtherOrgCnt | 0 | 0 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 268710 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 147191 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 25050 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 15050 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 52741 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 142750 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 36805 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 16656 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 22449 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 52741 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | PAUL J CHITTUM |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | LISA HIERONIMUS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | EXEC VICE PRESIDENT/CFO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 505907 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 221495 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | DISTRIBUTIONS FROM A 457(F) SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN: PAUL J CHITTUM - $52,741 INCREASE IN THE 457(F) SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN: PAUL J CHITTUM - $129,456 DARAK HUTCHINSON - $30,889 LISA HIERONIMUS - $28,972 |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | CLOVERBELT CREDIT UNION IS OWNED AND OPERATED BY ITS 16,842 MEMBERS AND A VOLUNTEER BOARD OF DIRECTORS. TO QUALIFY AS A MEMBER, YOU MUST HAVE A MINIMUM OF $5.00 IN A SAVINGS ACCOUNT AND LIVE OR WORK IN MARATHON, LINCOLN, WOOD, PORTAGE, CLARK, LANGLADE, SHAWANO, OR TAYLOR COUNTIES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ANY PERSON THAT QUALIFIES TO BE A MEMBER OF CLOVERBELT CREDIT UNION HAS THE SAME VOTING RIGHTS TO ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY (BOARD OF DIRECTORS). THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS UTILIZING THEIR ONE VOTE PER MEMBER. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE FORM 990 IS REVIEWED BY THE VICE PRESIDENT AND CHIEF FINANCIAL OFFICER WITH THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | EACH YEAR ALL EMPLOYEES AND BOARD OF DIRECTORS COMPLETE A WRITTEN CONFLICT OF INTEREST FORM AGREEING TO ABIDE BY OUR CONFLICT OF INTEREST POLICY. A FORM IS ALSO COMPLETED BY EACH NEW HIRE. OUR CORE COMPUTER SYSTEMS ALLOW US TO INPUT EMPLOYEE ACCOUNT NUMBERS IN THEIR USER SET UP AND PREVENTS THEM FROM PERFORMING TRANSACTIONS ON THEIR OWN ACCOUNTS OR ACCOUNTS THEY HAVE JOINT OWNERSHIP ON. WE ALSO REVIEW SECURITY REPORTS TO VERIFY NO ACTIVITY HAS BEEN PERFORMED BY AN EMPLOYEE ON THEIR OWN ACCOUNT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | COMPENSATION FOR THE CEO IS DETERMINED BY THE BOARD OF DIRECTORS. THE SALARY IS BASED ON THE PERFORMANCE AND ASSET SIZE OF THE CREDIT UNION. CREDIT UNION COMPENSATION SURVEYS ARE ALSO EVALUATED. THE PRESIDENT/CEO DETERMINES THE SALARIES FOR OTHER OFFICERS OF THE CREDIT UNION. THE SALARY IS BASED ON THE PERFORMANCE AND ASSET SIZE OF THE CREDIT UNION AS WELL AS INDUSTRY AVERAGES BASED ON CREDIT UNION COMPENSATION SURVEYS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | WE DO NOT MAKE THE BY-LAWS OR CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC. MONTHLY FINANCIAL STATEMENTS ARE POSTED IN OUR FOYER FOR MEMBERS TO VIEW. FINANCIAL STATEMENTS ARE ALSO AVAILABLE BY VIEWING THE NCUA 5300 CALL REPORT. WE WOULD ALSO PROVIDE A COPY OF THE ANNUAL FORM 990 IF REQUESTED. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
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