Civic Intelligence

Fond Du Lac Credit Union

EIN 39-0936240 • 501(c)14 • Fond Du Lac, WI

View Organization Page

Profile

Fond du Lac Credit Union opens doors by providing financial solutions to enhance members' quality of life.

91 North Pioneer Rd PO Box 1005Fond Du Lac, WI 54936

www.fdlcu.com

Siviq Scores

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

Liabilities / Assets

48th percentile

0.88x

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

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

Liabilities / Revenue

67th percentile

17.00x

Higher debt load relative to revenue than 67% of similar nonprofits.

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

Net Margin

78th percentile

21%

Higher net margin than 78% of similar nonprofits.

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

Top Officer Pay

48th percentile

$154,884

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

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

Asset Growth

50th percentile

1.6%

Faster asset growth than 50% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

72nd percentile

16%

Faster revenue growth than 72% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets48th percentile

Assets

Up

$80,513,279

Up $1,236,168 (+1.6%) from 2023

Liabilities

Up

$70,699,753

Up $346,270 (+0.5%) from 2023

Net Assets

Up

$9,813,526

Up $889,898 (+10.0%) from 2023

Operations
Liabilities / Revenue67th percentileNet Margin78th percentile

Revenue

Up

$4,157,704

Up $565,866 (+16%) from 2023

Expenses

Up

$3,267,806

Up $482,195 (+17%) from 2023

Net Income

Up

$889,898

Up $83,671 (+10%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$100M$50M$0Assets 2010: $43,582,927Liabilities 2010: $39,367,656Net Assets 2010: $4,215,2712010Assets 2011: $47,780,530Liabilities 2011: $43,460,732Net Assets 2011: $4,319,7982011Assets 2012: $50,479,175Liabilities 2012: $45,937,339Net Assets 2012: $4,541,8362012Assets 2013: $51,288,353Liabilities 2013: $46,597,433Net Assets 2013: $4,690,9202013Assets 2014: $53,432,034Liabilities 2014: $48,429,502Net Assets 2014: $5,002,5322014Assets 2015: $57,534,575Liabilities 2015: $52,234,490Net Assets 2015: $5,300,0852015Assets 2016: $59,377,550Liabilities 2016: $53,779,259Net Assets 2016: $5,598,2912016Assets 2017: $60,631,622Liabilities 2017: $54,857,651Net Assets 2017: $5,773,9712017Assets 2018: $61,930,715Liabilities 2018: $55,591,866Net Assets 2018: $6,338,8492018Assets 2019: $66,291,166Liabilities 2019: $59,429,051Net Assets 2019: $6,862,1152019Assets 2020: $75,390,419Liabilities 2020: $68,129,063Net Assets 2020: $7,261,3562020Assets 2021: $82,804,082Liabilities 2021: $75,147,433Net Assets 2021: $7,656,6492021Assets 2022: $81,252,894Liabilities 2022: $73,150,775Net Assets 2022: $8,102,1192022Assets 2023: $79,277,111Liabilities 2023: $70,353,483Net Assets 2023: $8,923,6282023Assets 2024: $80,513,279Liabilities 2024: $70,699,753Net Assets 2024: $9,813,5262024

Highlighted filing

2024

Assets$80,513,279
Liabilities$70,699,753
Net Assets$9,813,526
Open 2024 Filing

Operations Trend

Revenue Growth72nd percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,122,9402010Expenses 2011: $2,244,2212011Expenses 2012: $2,242,5052012Revenue 2013: $2,516,725Expenses 2013: $2,367,641Net Income 2013: $149,0842013Revenue 2014: $2,563,430Expenses 2014: $2,344,141Net Income 2014: $219,2892014Revenue 2015: $2,584,887Expenses 2015: $2,287,334Net Income 2015: $297,5532015Revenue 2016: $2,605,742Expenses 2016: $2,307,536Net Income 2016: $298,2062016Revenue 2017: $2,670,034Expenses 2017: $2,494,354Net Income 2017: $175,6802017Revenue 2018: $2,906,082Expenses 2018: $2,341,204Net Income 2018: $564,8782018Revenue 2019: $3,139,833Expenses 2019: $2,616,567Net Income 2019: $523,2662019Revenue 2020: $2,721,182Expenses 2020: $2,321,941Net Income 2020: $399,2412020Revenue 2021: $2,490,008Expenses 2021: $2,094,715Net Income 2021: $395,2932021Revenue 2022: $2,717,548Expenses 2022: $2,272,078Net Income 2022: $445,4702022Revenue 2023: $3,591,838Expenses 2023: $2,785,611Net Income 2023: $806,2272023Revenue 2024: $4,157,704Expenses 2024: $3,267,806Net Income 2024: $889,8982024

Highlighted filing

2024

Revenue$4,157,704
Expenses$3,267,806
Net Income$889,898
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$80,513,279
Liabilities
$70,699,753
Net assets
$9,813,526
Revenue
$4,157,704
Expenses
$3,267,806
Net income
$889,898
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$80.5$70.7$9.81$4.16$3.27$0.89
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.3$70.4$8.92$3.59$2.79$0.81
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.3$73.2$8.10$2.72$2.27$0.45
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.8$75.1$7.66$2.49$2.09$0.40
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$75.4$68.1$7.26$2.72$2.32$0.40
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.3$59.4$6.86$3.14$2.62$0.52
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$61.9$55.6$6.34$2.91$2.34$0.56
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.6$54.9$5.77$2.67$2.49$0.18
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.4$53.8$5.60$2.61$2.31$0.30
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.5$52.2$5.30$2.58$2.29$0.30
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$53.4$48.4$5.00$2.56$2.34$0.22
2013Detailed filing. Detailed filing data is available for this year.$51.3$46.6$4.69$2.52$2.37$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.5$45.9$4.54$2.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.8$43.5$4.32$2.24
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.6$39.4$4.22$2.12
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Jun 12, 2023
Return Version
2022v5.0
Gross Receipts
$2,745,125
Mission and Program Overview

Mission

To create exceptional members experiences.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$42,892,440$43,794,412▲ $901,972
Investments Program Related$16,853,476$18,950,776▲ $2,097,300
Savings and Temporary Cash Investments$18,724,330$14,563,127▼ $4,161,203
Rtn Earn Endowment Incm Other Fnds$7,656,649$8,102,119▲ $445,470
Land, Buildings, and Equipment, Net$1,583,376$1,641,887▲ $58,511
Cash and Non-Interest-Bearing Accounts$1,050,519$1,067,632▲ $17,113
Prepaid Expenses and Deferred Charges$328,667$242,698▼ $85,969
Accounts Receivable$-67,006$-260,246▼ $193,240
Total Assets$82,804,082$81,252,894▼ $1,551,188
Other Assets Total$1,438,280$1,252,608▼ $185,672
Liabilities
Other Liabilities$74,902,622$72,754,688▼ $2,147,934
Accounts Payable and Accrued Expenses$226,601$371,847▲ $145,246
Escrow Account Liability$18,210$24,240▲ $6,030
Total Liabilities$75,147,433$73,150,775▼ $1,996,658
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,656,649$8,102,119▲ $445,470
Total Liabilities and Net Assets / Fund Balance$82,804,082$81,252,894▼ $1,551,188

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,223,396$603,325$1,826,721
Equipment$168,491$472,727$641,218
Land$250,000-$250,000
Investment Program Related Org$3,000--
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott RoeschPresidentFT$121,432$3,681$125,113
Lorri HeimbackVP MarktngFT$85,993$27,146$113,139
Megan GysbersDirector AccFT$67,583$28,774$96,357

Board Members and Trustees

NameTitle
Marty SchibbelhutChair
Hannah SmetVice Chair
Mike SweneyDirector
Ryan KnueppelDirector
Amy TeifkeSecretary
Jeremy Van DeraaTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
ShazamDebit Card Proc6700 PIONEER PARKWAY, Johnston, IA 50131$271,869
DatamaticCore Software5545 ENTERPRISE DRIVE, Lansing, MI 48911$101,285
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,326,091
Investment Income
$384,625
Other Revenue
$6,832
Change in Net Assets
$445,470
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,181,600
Salaries, Compensation, and Employee Benefits$1,080,169
Grants and Similar Amounts Paid$10,309
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$588,083
Office Expenses---$432,340
Current Officers, Directors, Trustees, and Key Employees---$275,008
Other Employee Benefits---$135,780
Information Technology---$133,661
Occupancy---$86,944
Advertising---$86,757
Depreciation Depletion---$77,447
Payroll Taxes---$66,540
Insurance---$33,184
Other Expenses---$26,277
Fees for Services Accounting---$20,681
Conferences and Meetings---$18,591
Fees for Services Legal---$16,402
Pension Plan Contributions---$14,758
Grants to Domestic Orgs---$9,309
Interest---$6,875
Travel---$2,508
Grants to Domestic Individuals---$1,000
Total Functional Expenses$0$0$0$2,272,078
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$72,778,928
Escrow Accounts to Line 21 Bal Sheet$-24,240
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
Yes
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 4

“The by-laws were updated in 2022 to change the number of directors on the board from severn to five.”

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 data to independent cpa who completes the return. Management reviews the return for accuarcy and then authorizes cpa to e- file the approved return. The approved return is then provided to the board of directors.”

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

“Annually every director and employee is required to sign the conflict of interest policy and state if a conflict exists. New employees sign the policy with their new employee paperwork.”

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

“The board of directors determines compensation for president using comparative salary survey data from wi credit union league. Board approval is recorded in the minutes.”

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

“Management reviews all employees and determines their compensation using comparative salary survey data. The board approves salaries as part of the annual budget approval.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and policies are available upon request. Financial statements are provided at the annual meeting and are posted in the lobby each month.”

Filing and Contact Details

Filer

Filer Name
Fond Du Lac Credit Union
EIN
39-0936240
Phone
9209211123
Address
91 NORTH PIONEER RD PO BOX 1005, FOND DU LAC, WI 54936

Signing Officer

Name
Scott Roesch
Title
President
Phone
9209211123
Signed
2023-06-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Roesch
Formed
1954
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
26
Volunteers
6

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
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 AppendixShowing 400 of 414 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0226601
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0371847
IRS990/AccountsReceivableGrp/BOYAmt0-67006
IRS990/AccountsReceivableGrp/EOYAmt0-260246
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO CREATE EXCEPTIONAL MEMBERS EXPERIENCES.
IRS990/AdvertisingGrp/TotalAmt086757
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0MEGAN GYSBERS
IRS990/BooksInCareOfDetail/PhoneNum09209211123
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt091 N PIONEER RD PO BOX 1005
IRS990/BooksInCareOfDetail/USAddress/CityNm0FOND DU LAC
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054936
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01050519
IRS990/CashNonInterestBearingGrp/EOYAmt01067632
IRS990/ChangeToOrgDocumentsInd0true
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0275008
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt018591
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0271869
IRS990/ContractorCompensationGrp/CompensationAmt1101285
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt06700 PIONEER PARKWAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt15545 ENTERPRISE DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0JOHNSTON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1LANSING
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0IA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd050131
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd148911
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1DATAMATIC
IRS990/ContractorCompensationGrp/ServicesDesc0DEBIT CARD PROC
IRS990/ContractorCompensationGrp/ServicesDesc1CORE SOFTWARE
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt010309
IRS990/CYInvestmentIncomeAmt0384625
IRS990/CYOtherExpensesAmt01181600
IRS990/CYOtherRevenueAmt06832
IRS990/CYProgramServiceRevenueAmt02326091
IRS990/CYRevenuesLessExpensesAmt0445470
IRS990/CYSalariesCompEmpBnftPaidAmt01080169
IRS990/CYTotalExpensesAmt02272078
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02717548
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt077447
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 413 NEW DEPOSIT ACCOUNTS IN 2022. AS OF 12/31/22 WE HAD 6,369 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt026
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt018210
IRS990/EscrowAccountLiabilityGrp/EOYAmt024240
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt020681
IRS990/FeesForServicesLegalGrp/TotalAmt016402
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0SCOTT ROESCH
IRS990/Form990PartVIISectionAGrp/PersonNm1LORRI HEIMBACK
IRS990/Form990PartVIISectionAGrp/PersonNm2MEGAN GYSBERS
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP MARKTNG
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR ACC
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
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IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt01573
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt01000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt09309
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt029150
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IRS990/MissionDesc0TO CREATE EXCEPTIONAL MEMBERS EXPERIENCES.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt08102119
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt0135780
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IRS990/OtherExpensesGrp/TotalAmt1110387
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IRS990/PrincipalOfficerNm0SCOTT ROESCH
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER MEMBER RELATED INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FEE & INSURANCE REVENUE
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1278199
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 776 NEW LOANS DURING 2022. AS OF 12/31/22 WE HAD 3,416 LOANS RECEIVABLE.
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0603325
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01826721
IRS990ScheduleD/EquipmentGrp/BookValueAmt0168491
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0472727
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0641218
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt11118329
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2456763
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3258536
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt451301
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt53000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS W/ MATURITY > 1 YEAR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CU OWNED LIFE INSUR INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2FHLB STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3CAPITAL ACCOUNTS CORPORATE CU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4PSCU CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5WISCUB CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5C
IRS990ScheduleD/LandGrp/BookValueAmt0250000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0250000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt072778928
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-24240
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ESCROW ACCOUNTS 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
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IRS990ScheduleD/TotalBookValueProgramRltdAmt018950776
IRS990ScheduleD/TotalLiabilityAmt072754688
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BY-LAWS WERE UPDATED IN 2022 TO CHANGE THE NUMBER OF DIRECTORS ON THE BOARD FROM SEVERN TO FIVE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A 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/ExplanationTxt4MANAGEMENT PROVIDES DATA TO INDEPENDENT CPA WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCUARCY AND THEN AUTHORIZES CPA TO E- FILE THE APPROVED RETURN. THE APPROVED RETURN IS THEN PROVIDED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ANNUALLY EVERY DIRECTOR AND EMPLOYEE IS REQUIRED TO SIGN THE CONFLICT OF INTEREST POLICY AND STATE IF A CONFLICT EXISTS. NEW EMPLOYEES SIGN THE POLICY WITH THEIR NEW EMPLOYEE PAPERWORK.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS DETERMINES COMPENSATION FOR PRESIDENT USING COMPARATIVE SALARY SURVEY DATA FROM WI CREDIT UNION LEAGUE. BOARD APPROVAL IS RECORDED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MANAGEMENT REVIEWS ALL EMPLOYEES AND DETERMINES THEIR COMPENSATION USING COMPARATIVE SALARY SURVEY DATA. THE BOARD APPROVES SALARIES AS PART OF THE ANNUAL BUDGET APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE PROVIDED AT THE ANNUAL MEETING AND ARE POSTED IN THE LOBBY EACH MONTH.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TerminateOperationsInd0false
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IRS990/TotalEmployeeCnt026
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IRS990/TotalGrossUBIAmt03976
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02717548
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03976
IRS990/TotalVolunteersCnt06
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt081252894
IRS990/TravelGrp/TotalAmt02508
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt091 NORTH PIONEER RD PO BOX 1005
IRS990/USAddress/CityNm0FOND DU LAC
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054936
IRS990/VotingMembersGoverningBodyCnt05
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IRS990/WebsiteAddressTxt0WWW.FDLCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SCOTT ROESCH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09209211123
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-06-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FOND DU LAC CREDIT UNION
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ReturnHeader/Filer/PhoneNum09209211123
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0461065712
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRENT WOOKEY CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 1512

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