Civic Intelligence

Winnebago Community Credit Union

990 • Fiscal year 2021 • EIN 39-0938509

Jan 01, 2021 to Dec 31, 2021 • Filed on Mar 24, 2022

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

45th percentile

0.90x

Higher debt load relative to assets than 45% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2021

Liabilities / Revenue

74th percentile

25.78x

Higher debt load relative to revenue than 74% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2021

Net Margin

84th percentile

24%

Higher net margin than 84% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2021

Top Officer Pay

51st percentile

$216,335

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2021

Asset Growth

49th percentile

10%

Faster asset growth than 49% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2020 to 2021

Revenue Growth

44th percentile

0.4%

Faster revenue growth than 44% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$156,593,409

Up $14,405,669 (+10%) from 2020

Net Assets

Up

$15,818,921

Up $1,320,019 (+9.1%) from 2020

Liabilities

Up

$140,774,488

Up $13,085,650 (+10%) from 2020

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin84th percentile

Revenue

Up

$5,460,122

Up $22,938 (+0.4%) from 2020

Expenses

Down

$4,140,103

Down $266,345 (-6.0%) from 2020

Net Income

Up

$1,320,019

Up $289,283 (+28%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth49th 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

2021

Assets$156,593,409
Liabilities$140,774,488
Net Assets$15,818,921
Open 2021 Filing

Operations Trend

Revenue Growth44th 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

2021

Revenue$5,460,122
Expenses$4,140,103
Net Income$1,320,019
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 24, 2022
Return Version
2021v4.0
Gross Receipts
$5,509,904
Mission and Program Overview

Mission

Helping make your dreams come true

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$100,394,717$112,128,183▲ $11,733,466
Savings and Temporary Cash Investments$35,791,678$38,225,714▲ $2,434,036
Rtn Earn Endowment Incm Other Fnds$14,498,902$15,818,921▲ $1,320,019
Land, Buildings, and Equipment, Net$2,705,794$2,685,330▼ $20,464
Investments Program Related$908,351$1,066,408▲ $158,057
Cash and Non-Interest-Bearing Accounts$914,353$952,239▲ $37,886
Prepaid Expenses and Deferred Charges$116,481$53,394▼ $63,087
Accounts Receivable$1,328--
Total Assets$142,187,740$156,593,409▲ $14,405,669
Other Assets Total$1,355,038$1,482,141▲ $127,103
Liabilities
Other Liabilities$126,925,776$139,828,049▲ $12,902,273
Accounts Payable and Accrued Expenses$763,062$946,439▲ $183,377
Total Liabilities$127,688,838$140,774,488▲ $13,085,650
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,498,902$15,818,921▲ $1,320,019
Total Liabilities and Net Assets / Fund Balance$142,187,740$156,593,409▲ $14,405,669

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,743,537$922,352$2,665,889
Equipment$161,349$898,208$1,059,557
Land$780,444-$780,444
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anthony TiedePresidentFT$156,000$60,335$216,335
Michael KrohnExec VPFT$127,660$6,778$134,438
Debra FernauCOOFT$109,452$11,231$120,683

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
$5,370,201
Investment Income
$89,921
Other Revenue
$0
Change in Net Assets
$1,320,019
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,069,417
Salaries, Compensation, and Employee Benefits$2,067,686
Grants and Similar Amounts Paid$3,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,342,551
Current Officers, Directors, Trustees, and Key Employees---$446,426
Office Expenses---$412,807
Occupancy---$143,967
Payroll Taxes---$127,424
Depreciation Depletion---$121,345
Advertising---$106,152
Pension Plan Contributions---$105,087
Information Technology---$60,164
Other Employee Benefits---$46,198
Insurance---$36,170
Fees for Services Other---$35,005
Fees for Services Accounting---$8,655
Conferences and Meetings---$7,080
Grants to Domestic Individuals---$3,000
Other Expenses---$-55,000
Total Functional Expenses$0$0$0$4,140,103
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$139,332,151
Def Comp Plan$495,898
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

Form 990, Page 6, Part VI, Line 11B

“Management provides necessary data to independent 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 form by board members.”

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 maintained.”

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 maintained.”

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 there are changes. We do not make other policies available 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
Derek Groth
Title
President/CEO
Phone
9202339096
Signed
2022-03-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Derek Groth
Formed
1954
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
47
Volunteers
5

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Raw XML Appendix372 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/BookValueAmt0161349
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0898208
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1495898
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DEF COMP PLAN
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IRS990ScheduleD/TotalLiabilityAmt0139828049
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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 FORM BY BOARD MEMBERS.
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 MAINTAINED.
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 MAINTAINED.
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 THERE ARE CHANGES. WE DO NOT MAKE OTHER POLICIES AVAILABLE UNLESS A MEMBER REQUESTS THE INFORMATION AND WE ARE REQUIRED TO PROVIDE THE INFORMATION BY REGULATION OR LAW.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt0156593409
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IRS990/TotalLiabilitiesGrp/EOYAmt0140774488
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IRS990/TotalProgramServiceRevenueAmt05370201
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IRS990/TotalRevenueGrp/ExclusionAmt098403
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05356256
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05460122
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05463
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IRS990/WebsiteAddressTxt0WWW.WINCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DEREK GROTH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09202339096
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-03-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WINNEBAGO COMMUNITY CREDIT UNION
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ReturnHeader/Filer/PhoneNum09202339096
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0461065712
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LA CROSSE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546021512
ReturnHeader/PreparerPersonGrp/PhoneNum06087920843
ReturnHeader/PreparerPersonGrp/PreparationDt02022-03-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02022-03-25T11:30:53-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0DEREK
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0GROTH
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$156,593,409
Liabilities
$140,774,488
Net assets
$15,818,921
Revenue
$5,460,122
Expenses
$4,140,103
Net income
$1,320,019
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
2021Detailed filing. Detailed filing data is available for this year.$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.
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$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