Civic Intelligence

Winnebago Community Credit Union

990 • Fiscal year 2018 • EIN 39-0938509

Jan 01, 2018 to Dec 31, 2018 • Filed on Apr 11, 2019

Organization ProfileWWW.WINCU.ORG

View Organization Page

PO Box 706Oshkosh, WI 54903

(920) 233-9096

Siviq Scores

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

Liabilities / Assets

44th percentile

0.89x

Higher debt load relative to assets than 44% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Liabilities / Revenue

66th percentile

18.54x

Higher debt load relative to revenue than 66% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Net Margin

89th percentile

23%

Higher net margin than 89% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Top Officer Pay

36th percentile

$183,317

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Asset Growth

87th percentile

11%

Faster asset growth than 87% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Revenue Growth

65th percentile

12%

Faster revenue growth than 65% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$108,254,719

Up $10,404,497 (+11%) from 2017

Net Assets

Up

$12,207,412

Up $1,201,730 (+11%) from 2017

Liabilities

Up

$96,047,307

Up $9,202,767 (+11%) from 2017

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin89th percentile

Revenue

Up

$5,181,127

Up $570,400 (+12%) from 2017

Expenses

Up

$3,979,395

Up $323,443 (+8.8%) from 2017

Net Income

Up

$1,201,732

Up $246,957 (+26%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth87th percentile

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

$200M$150M$100M$50M$0Assets 2010: $69,316,796Liabilities 2010: $62,373,670Net Assets 2010: $6,943,1262010Assets 2011: $74,383,288Liabilities 2011: $67,137,835Net Assets 2011: $7,245,4532011Assets 2012: $75,849,124Liabilities 2012: $68,188,564Net Assets 2012: $7,660,5602012Assets 2013: $77,180,805Liabilities 2013: $69,056,061Net Assets 2013: $8,124,7442013Assets 2014: $82,218,387Liabilities 2014: $73,617,553Net Assets 2014: $8,600,8342014Assets 2015: $88,214,722Liabilities 2015: $79,004,662Net Assets 2015: $9,210,0602015Assets 2016: $92,713,510Liabilities 2016: $82,704,890Net Assets 2016: $10,008,6202016Assets 2017: $97,850,222Liabilities 2017: $86,844,540Net Assets 2017: $11,005,6822017Assets 2018: $108,254,719Liabilities 2018: $96,047,307Net Assets 2018: $12,207,4122018Assets 2020: $142,187,740Liabilities 2020: $127,688,838Net Assets 2020: $14,498,9022020Assets 2021: $156,593,409Liabilities 2021: $140,774,488Net Assets 2021: $15,818,9212021Assets 2022: $156,637,845Liabilities 2022: $138,915,735Net Assets 2022: $17,722,1102022

Highlighted filing

2018

Assets$108,254,719
Liabilities$96,047,307
Net Assets$12,207,412
Open 2018 Filing

Operations Trend

Revenue Growth65th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,411,3412010Expenses 2011: $3,485,6322011Expenses 2012: $3,291,2472012Revenue 2013: $3,688,640Expenses 2013: $3,224,456Net Income 2013: $464,1842013Revenue 2014: $3,773,257Expenses 2014: $3,313,370Net Income 2014: $459,8872014Revenue 2015: $3,968,585Expenses 2015: $3,360,770Net Income 2015: $607,8152015Revenue 2016: $4,299,753Expenses 2016: $3,512,682Net Income 2016: $787,0712016Revenue 2017: $4,610,727Expenses 2017: $3,655,952Net Income 2017: $954,7752017Revenue 2018: $5,181,127Expenses 2018: $3,979,395Net Income 2018: $1,201,7322018Revenue 2020: $5,437,184Expenses 2020: $4,406,448Net Income 2020: $1,030,7362020Revenue 2021: $5,460,122Expenses 2021: $4,140,103Net Income 2021: $1,320,0192021Revenue 2022: $6,162,060Expenses 2022: $4,258,871Net Income 2022: $1,903,1892022

Highlighted filing

2018

Revenue$5,181,127
Expenses$3,979,395
Net Income$1,201,732
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Apr 11, 2019
Return Version
2018v3.1
Gross Receipts
$5,191,217
Mission and Program Overview

Mission

Helping Make Your Dreams Come True

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$85,443,281$92,691,066▲ $7,247,785
Rtn Earn Endowment Incm Other Fnds$11,005,682$12,207,412▲ $1,201,730
Savings and Temporary Cash Investments$7,170,723$9,863,102▲ $2,692,379
Land, Buildings, and Equipment, Net$2,421,209$2,805,667▲ $384,458
Cash and Non-Interest-Bearing Accounts$1,131,228$800,082▼ $331,146
Investments Program Related$1,501,659$737,513▼ $764,146
Prepaid Expenses and Deferred Charges$107,640$113,936▲ $6,296
Accounts Receivable$3,900$1,885▼ $2,015
Total Assets$97,850,222$108,254,719▲ $10,404,497
Other Assets Total$70,582$1,241,468▲ $1,170,886
Liabilities
Other Liabilities$86,572,647$95,157,907▲ $8,585,260
Accounts Payable and Accrued Expenses$271,893$889,400▲ $617,507
Total Liabilities$86,844,540$96,047,307▲ $9,202,767
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,005,682$12,207,412▲ $1,201,730
Total Liabilities and Net Assets / Fund Balance$97,850,222$108,254,719▲ $10,404,497

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,834,968$310,643$2,145,611
Equipment$190,255$985,476$1,175,731
Land$780,444-$780,444
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anthony TiedePresidentFT$135,000$48,317$183,317
Michael KrohnExec VPFT$115,051$369$115,420

Board Members and Trustees

NameTitle
Thomas GeskeChair
Karen KoelblVice Chair
John SheehanDirector
Kimberly SchugSecretary
Ralph NielsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,041,923
Investment Income
$139,204
Other Revenue
$0
Change in Net Assets
$1,201,732
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,077,003
Salaries, Compensation, and Employee Benefits$1,900,892
Grants and Similar Amounts Paid$1,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,357,914
Office Expenses---$452,311
Current Officers, Directors, Trustees, and Key Employees---$297,999
Occupancy---$142,758
Advertising---$140,004
Payroll Taxes---$122,871
Depreciation Depletion---$112,875
Information Technology---$76,300
Pension Plan Contributions---$72,005
Other Employee Benefits---$50,103
Insurance---$36,843
Other Expenses---$35,000
Fees for Services Other---$33,507
Conferences and Meetings---$14,719
Fees for Services Accounting---$9,778
Grants to Domestic Individuals---$1,500
Total Functional Expenses$0$0$0$3,979,395
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$94,868,370
Def Comp Plan$289,537
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 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 cpa who completes the return. Management reviews the return for accuracy, and then presents it to the board of directors before it is filed. Management then authorizes the preparer to e-file the approved return.”

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

“Annual completion of the conflict of interest board form.”

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

“The board is provided salary survey information from cuna that includes the salaries by different asset sizes of credit unions. The board then determines and approves the compensation. Meeting minutes are kept.”

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

“The board is provided salary survey information from cuna that includes the salaries by different asset sizes of credit unions. The board then determines and approves the compensation. Meeting minutes are kept.”

Form 990, Page 6, Part VI, Line 19

“A summary financial statement is given to the membership each year at the annual meeting. We provide our privacy policy to our membership annually if changes are made. We do not make policies available to the public unless a member requests the information and we are required to provide the information by regulation or law.”

Filing and Contact Details

Filer

Filer Name
Winnebago Community Credit Union
EIN
39-0938509
Phone
9202339096
Address
PO BOX 706, OSHKOSH, WI 54903

Signing Officer

Name
Anthony Tiede
Title
President
Phone
9202339096
Signed
2019-04-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Anthony Tiede
Formed
1954
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
39
Volunteers
5

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“ROUNDIG -2”

Raw XML Appendix377 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/EquipmentGrp/DepreciationAmt0985476
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DEF COMP PLAN
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IRS990ScheduleD/TotalLiabilityAmt095157907
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount029690
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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 CPA WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN PRESENTS IT TO THE BOARD OF DIRECTORS BEFORE IT IS FILED. MANAGEMENT THEN AUTHORIZES THE PREPARER TO E-FILE THE APPROVED RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUAL COMPLETION OF THE CONFLICT OF INTEREST BOARD FORM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD IS PROVIDED SALARY SURVEY INFORMATION FROM CUNA THAT INCLUDES THE SALARIES BY DIFFERENT ASSET SIZES OF CREDIT UNIONS. THE BOARD THEN DETERMINES AND APPROVES THE COMPENSATION. MEETING MINUTES ARE KEPT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD IS PROVIDED SALARY SURVEY INFORMATION FROM CUNA THAT INCLUDES THE SALARIES BY DIFFERENT ASSET SIZES OF CREDIT UNIONS. THE BOARD THEN DETERMINES AND APPROVES THE COMPENSATION. MEETING MINUTES ARE KEPT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7A SUMMARY FINANCIAL STATEMENT IS GIVEN TO THE MEMBERSHIP EACH YEAR AT THE ANNUAL MEETING. WE PROVIDE OUR PRIVACY POLICY TO OUR MEMBERSHIP ANNUALLY IF CHANGES ARE MADE. WE DO NOT MAKE POLICIES AVAILABLE TO THE PUBLIC UNLESS A MEMBER REQUESTS THE INFORMATION AND WE ARE REQUIRED TO PROVIDE THE INFORMATION BY REGULATION OR LAW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ROUNDIG -2
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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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt02678
IRS990/TotalLiabilitiesBOYAmt086844540
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IRS990/TotalLiabilitiesGrp/BOYAmt086844540
IRS990/TotalLiabilitiesGrp/EOYAmt096047307
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt011005682
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IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt0971
IRS990/TotalProgramServiceRevenueAmt05041923
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IRS990/TotalRevenueGrp/ExclusionAmt0138514
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05039935
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05181127
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02678
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IRS990/WebsiteAddressTxt0WWW.WINCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-01-14 16:20:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ANTHONY TIEDE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09202339096
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-04-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WINNEBAGO COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WINN
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ReturnHeader/Filer/PhoneNum09202339096
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ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.88.144.85
ReturnHeader/FilingSecurityInformation/IPDt02019-04-22
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm018:32:39
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0461605712
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRENT WOOKEY CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 1512
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LA CROSSE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546021512
ReturnHeader/PreparerPersonGrp/PhoneNum06087920843
ReturnHeader/PreparerPersonGrp/PreparationDt02019-04-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02019-04-22T18:32:39-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$108,254,719
Liabilities
$96,047,307
Net assets
$12,207,412
Revenue
$5,181,127
Expenses
$3,979,395
Net income
$1,201,732
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
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.$157$139$17.7$6.16$4.26$1.90
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$157$141$15.8$5.46$4.14$1.32
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$142$128$14.5$5.44$4.41$1.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2018Detailed filing. Detailed filing data is available for this year.$108$96.0$12.2$5.18$3.98$1.20
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.9$86.8$11.0$4.61$3.66$0.95
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.7$82.7$10.0$4.30$3.51$0.79
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$88.2$79.0$9.21$3.97$3.36$0.61
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$82.2$73.6$8.60$3.77$3.31$0.46
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$77.2$69.1$8.12$3.69$3.22$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.8$68.2$7.66$3.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.4$67.1$7.25$3.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.3$62.4$6.94$3.41