Civic Intelligence

Sheboygan Area Credit Union

EIN 39-0931439 • 501(c)14 • Sheboygan, WI

View Organization Page

Profile

Our mission is to provide efficient, progressive financial services and products to our owner-members in agreement with credit union philosophy.

1707 Indiana AvenueSheboygan, WI 53081

www.shebareacu.com

Siviq Scores

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

Liabilities / Assets

30th percentile

0.86x

Higher debt load relative to assets than 30% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

40th percentile

15.66x

Higher debt load relative to revenue than 40% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

96th percentile

34%

Higher net margin than 96% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

70th percentile

3.2%

Faster asset growth than 70% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2024

Revenue Growth

68th percentile

18%

Faster revenue growth than 68% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2024

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$81,757,653

Up $2,409,303 (+3.0%) from 2023

Liabilities

Up

$70,291,167

Up $879,247 (+1.3%) from 2023

Net Assets

Up

$11,466,486

Up $1,530,056 (+15%) from 2023

Operations
Liabilities / Revenue40th percentileNet Margin96th percentile

Revenue

Up

$4,487,822

Up $563,528 (+14%) from 2023

Expenses

Up

$2,957,766

Up $446,594 (+18%) from 2023

Net Income

Up

$1,530,056

Up $116,934 (+8.3%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth70th percentile

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

$100M$50M$0Assets 2010: $33,161,011Liabilities 2010: $29,020,836Net Assets 2010: $4,140,1752010Assets 2011: $34,208,068Liabilities 2011: $30,419,082Net Assets 2011: $3,788,9862011Assets 2012: $35,224,648Liabilities 2012: $31,276,422Net Assets 2012: $3,948,2262012Assets 2013: $38,865,196Liabilities 2013: $34,539,730Net Assets 2013: $4,325,4662013Assets 2014: $39,594,881Liabilities 2014: $35,131,435Net Assets 2014: $4,463,4462014Assets 2015: $43,896,646Liabilities 2015: $38,954,882Net Assets 2015: $4,941,7642015Assets 2016: $46,675,809Liabilities 2016: $41,470,802Net Assets 2016: $5,205,0072016Assets 2017: $49,455,838Liabilities 2017: $44,039,154Net Assets 2017: $5,416,6842017Assets 2018: $51,448,770Liabilities 2018: $45,535,157Net Assets 2018: $5,913,6132018Assets 2019: $55,162,933Liabilities 2019: $48,545,356Net Assets 2019: $6,617,5772019Assets 2020: $66,336,678Liabilities 2020: $59,070,248Net Assets 2020: $7,266,4302020Assets 2021: $74,313,723Liabilities 2021: $66,407,009Net Assets 2021: $7,906,7142021Assets 2022: $76,741,874Liabilities 2022: $68,106,912Net Assets 2022: $8,634,9622022Assets 2023: $79,348,350Liabilities 2023: $69,411,920Net Assets 2023: $9,936,4302023Assets 2024: $81,757,653Liabilities 2024: $70,291,167Net Assets 2024: $11,466,4862024

Highlighted filing

2024

Assets$81,757,653
Liabilities$70,291,167
Net Assets$11,466,486
Open 2024 Filing

Operations Trend

Revenue Growth68th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,430,9812010Expenses 2011: $2,583,3562011Expenses 2012: $1,964,0752012Revenue 2013: $1,977,641Expenses 2013: $1,938,664Net Income 2013: $38,9772013Revenue 2014: $2,092,222Expenses 2014: $1,954,242Net Income 2014: $137,9802014Revenue 2015: $2,254,195Expenses 2015: $1,775,877Net Income 2015: $478,3182015Revenue 2016: $2,306,070Expenses 2016: $2,042,828Net Income 2016: $263,2422016Revenue 2017: $2,483,922Expenses 2017: $2,274,451Net Income 2017: $209,4712017Revenue 2018: $2,763,590Expenses 2018: $2,265,373Net Income 2018: $498,2172018Revenue 2019: $2,883,039Expenses 2019: $2,178,157Net Income 2019: $704,8822019Revenue 2020: $2,726,945Expenses 2020: $2,078,094Net Income 2020: $648,8512020Revenue 2021: $2,747,095Expenses 2021: $2,106,811Net Income 2021: $640,2842021Revenue 2022: $2,992,956Expenses 2022: $2,264,709Net Income 2022: $728,2472022Revenue 2023: $3,924,294Expenses 2023: $2,511,172Net Income 2023: $1,413,1222023Revenue 2024: $4,487,822Expenses 2024: $2,957,766Net Income 2024: $1,530,0562024

Highlighted filing

2024

Revenue$4,487,822
Expenses$2,957,766
Net Income$1,530,056
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$81,757,653
Liabilities
$70,291,167
Net assets
$11,466,486
Revenue
$4,487,822
Expenses
$2,957,766
Net income
$1,530,056
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$81.8$70.3$11.5$4.49$2.96$1.53
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.3$69.4$9.94$3.92$2.51$1.41
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$76.7$68.1$8.63$2.99$2.26$0.73
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$74.3$66.4$7.91$2.75$2.11$0.64
2020Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$66.3$59.1$7.27$2.73$2.08$0.65
2019Detailed filing. Detailed filing data is available for this year.$55.2$48.5$6.62$2.88$2.18$0.70
2018Detailed filing. Detailed filing data is available for this year.$51.4$45.5$5.91$2.76$2.27$0.50
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.5$44.0$5.42$2.48$2.27$0.21
2016Detailed filing. Detailed filing data is available for this year.$46.7$41.5$5.21$2.31$2.04$0.26
2015Detailed filing. Detailed filing data is available for this year.$43.9$39.0$4.94$2.25$1.78$0.48
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.6$35.1$4.46$2.09$1.95$0.14
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$38.9$34.5$4.33$1.98$1.94$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.2$31.3$3.95$1.96
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.2$30.4$3.79$2.58
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.2$29.0$4.14$2.43
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.1
Gross Receipts
$4,487,822
Mission and Program Overview

Mission

Our mission is to provide efficient, progressive financial services and products to our owner-members in agreement with credit union philosophy.

Our mission is to provide efficient, progressive financial services and products to our owner-members in agreement with credit union philosophy

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$50,066,133$50,564,701▲ $498,568
Savings and Temporary Cash Investments$25,147,518$27,042,123▲ $1,894,605
Rtn Earn Endowment Incm Other Fnds$8,245,881$9,775,937▲ $1,530,056
Pd in Cap Srpls Land Bldg Eqp Fund$1,690,549$1,690,549→ $0
Land, Buildings, and Equipment, Net$1,445,634$1,374,337▼ $71,297
Cash and Non-Interest-Bearing Accounts$499,493$600,398▲ $100,905
Prepaid Expenses and Deferred Charges$318,925$248,337▼ $70,588
Accounts Receivable$5,147$6,470▲ $1,323
Investments Other Securities$3,861$4,203▲ $342
Total Assets$79,348,350$81,757,653▲ $2,409,303
Other Assets Total$1,861,639$1,917,084▲ $55,445
Liabilities
Other Liabilities$68,461,918$69,485,760▲ $1,023,842
Mortgage Notes Payable Secured by Investment Property$643,487$439,318▼ $204,169
Accounts Payable and Accrued Expenses$306,515$366,089▲ $59,574
Total Liabilities$69,411,920$70,291,167▲ $879,247
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,936,430$11,466,486▲ $1,530,056
Total Liabilities and Net Assets / Fund Balance$79,348,350$81,757,653▲ $2,409,303

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$887,003$1,181,767-
Other Land Buildings$2,118$117,690-
Land$362,545--
Equipment$122,671$663,355-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert WallesserPresidentFT$149,898$26,374$176,272

Board Members and Trustees

NameTitle
Dione KnopChairperson
Eric EdsonVice Chairperson
Jeremy FettererDirector
Andrew LorgeSecretary
Anthony BlakeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,398,199
Investment Income
$1,075,997
Other Revenue
$13,626
Change in Net Assets
$1,530,056
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,643,153
Salaries, Compensation, and Employee Benefits$1,314,613
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$898,292$0$0$898,292
Other Expenses$360,352$0$0$360,352
Fees for Services Management$248,144$0$0$248,144
Current Officers, Directors, Trustees, and Key Employees$149,898$0$0$149,898
Other Employee Benefits$148,438$0$0$148,438
Depreciation Depletion$146,486$0$0$146,486
Occupancy$124,783$0$0$124,783
Office Expenses$119,085$0$0$119,085
Payroll Taxes$78,878$0$0$78,878
Information Technology$75,798$0$0$75,798
Advertising$74,946$0$0$74,946
Pension Plan Contributions$39,107$0$0$39,107
Conferences and Meetings$24,603$0$0$24,603
Payments to Affiliates$23,305$0$0$23,305
Insurance$22,191$0$0$22,191
Fees for Services Accounting$19,630$0$0$19,630
Fees for Services Legal$12,215$0$0$12,215
All Other Expenses$-5,096$0$0$-5,096
Total Functional Expenses$2,957,766$0$0$2,957,766
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$36,683,012
Sharedrafts$16,639,875
Certificates$7,265,250
Money Market Accounts$7,078,924
Iras$1,756,908
Christmas Club$34,056
Vacation Club$14,678
Escrow & Insurance$13,057
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
Filing and Contact Details

Filer

Filer Name
Sheboygan Area Credit Union
EIN
39-0931439
Phone
9204595151
Address
1707 INDIANA AVENUE, SHEBOYGAN, WI 53081

Signing Officer

Name
Lois Pluff
Title
President
Phone
9204595151
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Walleser
Formed
1954
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
27
Volunteers
5

Preparer

Firm
LeBlanc Accounting & Tax Services
Address
315 Church Street, Kohler, WI 53044
Preparer
Katie LeBlanc
Phone
9202544213
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (board of directors).”

Pt VI, Line 7A

“The board of directors is elected by the membership utilizing their one vote per member.”

Pt VI, Line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the board as outlined in the organizations bylaws. Any decisions to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e. Ncua, wisconsin office of credit unions).”

Pt VI, Line 11B

“The report will be reviewed by a second person before it is submitted.”

Pt VI, Line 12C

“The board of directors know they need to report any conflict of interest.”

Pt VI, Line 15A

“The chairman and other board members hold a separate meeting that our president or vp are not a part of to determine the presidents compensation. Separate minutes are written and kept isolated.”

Pt VI, Line 19

“UPON REQUEST.”

Raw XML AppendixShowing 400 of 433 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/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
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IRS990/OccupancyGrp/TotalAmt0124783
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0119085
IRS990/OfficeExpensesGrp/TotalAmt0119085
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01861639
IRS990/OtherAssetsTotalGrp/EOYAmt01917084
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt0148438
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IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3DIVIDENDS TO MEMBERS
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IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
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IRS990/OtherExpensesGrp/ProgramServicesAmt19042
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IRS990/OtherExpensesGrp/ProgramServicesAmt3360352
IRS990/OtherExpensesGrp/TotalAmt0333994
IRS990/OtherExpensesGrp/TotalAmt19042
IRS990/OtherExpensesGrp/TotalAmt253675
IRS990/OtherExpensesGrp/TotalAmt3360352
IRS990/OtherLiabilitiesGrp/BOYAmt068461918
IRS990/OtherLiabilitiesGrp/EOYAmt069485760
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt013626
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt013626
IRS990/OtherRevenueTotalAmt013626
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0898292
IRS990/OtherSalariesAndWagesGrp/TotalAmt0898292
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt050066133
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt050564701
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
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IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt078878
IRS990/PayrollTaxesGrp/TotalAmt078878
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01690549
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01690549
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt039107
IRS990/PensionPlanContributionsGrp/TotalAmt039107
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0318925
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0248337
IRS990/PrincipalOfficerNm0ROBERT WALLESER
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2381824
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc4MEMBER ACCT/CARD FEES
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1292868
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt233831
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt320396
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4600258
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt14941
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt320396
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0976646
IRS990/PYOtherExpensesAmt01441683
IRS990/PYOtherRevenueAmt034937
IRS990/PYProgramServiceRevenueAmt02912711
IRS990/PYRevenuesLessExpensesAmt01413122
IRS990/PYSalariesCompEmpBnftPaidAmt01069489
IRS990/PYTotalExpensesAmt02511172
IRS990/PYTotalRevenueAmt03924294
IRS990/ReconcilationRevenueExpnssAmt01530056
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08245881
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09775937
IRS990/SavingsAndTempCashInvstGrp/BOYAmt025147518
IRS990/SavingsAndTempCashInvstGrp/EOYAmt027042123
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0887003
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01181767
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt02068770
IRS990ScheduleD/EquipmentGrp/BookValueAmt0122671
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0663355
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0786026
IRS990ScheduleD/LandGrp/BookValueAmt0362545
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0362545
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02118
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0117690
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0119808
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt036683012
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt17078924
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt216639875
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt313057
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt434056
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt514678
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt61756908
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt77265250
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHAREDRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3ESCROW & INSURANCE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4CHRISTMAS CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5VACATION CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6IRAS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7CERTIFICATES
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IRS990ScheduleD/TotalLiabilityAmt069485760
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION CONSISTS OF MEMBERS. TO BE A MEMBER, ONE MUST HAVE A SHARE/SAVINGS ACCOUNT. EACH MEMBER HAS ONE VOTE TO ELECT THE GOVERNING BODY (BOARD OF DIRECTORS).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP UTILIZING THEIR ONE VOTE PER MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER HAS ONE VOTE TO UTILIZE IN RATIFYING SIGNIFICANT DECISIONS BEYOND THE AUTHORITY OF THE BOARD AS OUTLINED IN THE ORGANIZATIONS BYLAWS. ANY DECISIONS TO DISSOLVE OR MERGE THE ORGANIZATION REQUIRES APPROVAL OF MEMBERSHIP, UNLESS MANDATED BY REGULATORY AGENCY (I.E. NCUA, WISCONSIN OFFICE OF CREDIT UNIONS).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE REPORT WILL BE REVIEWED BY A SECOND PERSON BEFORE IT IS SUBMITTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS KNOW THEY NEED TO REPORT ANY CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CHAIRMAN AND OTHER BOARD MEMBERS HOLD A SEPARATE MEETING THAT OUR PRESIDENT OR VP ARE NOT A PART OF TO DETERMINE THE PRESIDENTS COMPENSATION. SEPARATE MINUTES ARE WRITTEN AND KEPT ISOLATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 19
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IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/TotalAmt02957766
IRS990/TotalGrossUBIAmt038963
IRS990/TotalLiabilitiesBOYAmt069411920
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt011466486
IRS990/TotalOtherCompensationAmt026374
IRS990/TotalProgramServiceRevenueAmt03398199
IRS990/TotalReportableCompFromOrgAmt0149898
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04448859
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04487822
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt038963
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt079348350
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt081757653
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01707 INDIANA AVENUE
IRS990/USAddress/CityNm0SHEBOYGAN
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd053081
IRS990/VotingMembersGoverningBodyCnt05

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