Civic Intelligence

Westby Co-Op Credit Union

EIN 39-0966273 • 501(c)14 • Westby, WI

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Profile

Westby Co-op Credit Union will provide services that are efficient, confidential, and accurate in a convenient and friendly environment. We will be competitively priced, technologically advanced and economically sound,and support our communities.

PO Box 70Westby, WI 54667

wccucreditunion.coop

Siviq Scores

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

Liabilities / Assets

12th percentile

0.85x

Higher debt load relative to assets than 12% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

39th percentile

14.25x

Higher debt load relative to revenue than 39% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

73rd percentile

15%

Higher net margin than 73% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

47th percentile

$426,936

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

59th percentile

3.9%

Faster asset growth than 59% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

31st percentile

8.4%

Faster revenue growth than 31% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets12th percentile

Assets

$948,639,606

No earlier filing loaded for comparison.

Liabilities

$806,666,318

No earlier filing loaded for comparison.

Net Assets

$141,973,288

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue39th percentileNet Margin73rd percentile

Revenue

$56,626,752

No earlier filing loaded for comparison.

Expenses

$48,241,925

No earlier filing loaded for comparison.

Net Income

$8,384,827

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth59th percentile

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

$1.0B$500M$0Assets 2010: $281,560,950Liabilities 2010: $243,388,418Net Assets 2010: $38,172,5322010Assets 2011: $310,738,251Liabilities 2011: $268,769,637Net Assets 2011: $41,968,6142011Assets 2012: $348,218,099Liabilities 2012: $301,522,655Net Assets 2012: $46,695,4442012Assets 2013: $361,363,809Liabilities 2013: $311,423,974Net Assets 2013: $49,939,8352013Assets 2014: $392,764,523Liabilities 2014: $335,148,349Net Assets 2014: $57,616,1742014Assets 2015: $422,911,113Liabilities 2015: $359,480,199Net Assets 2015: $63,430,9142015Assets 2017: $474,534,404Liabilities 2017: $396,783,935Net Assets 2017: $77,750,4692017Assets 2018: $511,150,752Liabilities 2018: $425,464,959Net Assets 2018: $85,685,7932018Assets 2019: $553,187,813Liabilities 2019: $457,823,966Net Assets 2019: $95,363,8472019Assets 2021: $763,110,609Liabilities 2021: $648,405,447Net Assets 2021: $114,705,1622021Assets 2022: $834,152,989Liabilities 2022: $717,008,712Net Assets 2022: $117,144,2772022Assets 2024: $948,639,606Liabilities 2024: $806,666,318Net Assets 2024: $141,973,2882024

Highlighted filing

2024

Assets$948,639,606
Liabilities$806,666,318
Net Assets$141,973,288
Open 2024 Filing

Operations Trend

Revenue Growth31st percentile

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

$60M$40M$20M$0Expenses 2010: $14,154,9572010Expenses 2011: $14,831,4662011Revenue 2012: $18,499,917Expenses 2012: $13,627,920Net Income 2012: $4,871,9972012Revenue 2013: $19,123,728Expenses 2013: $14,512,130Net Income 2013: $4,611,5982013Revenue 2014: $20,584,077Expenses 2014: $13,831,856Net Income 2014: $6,752,2212014Revenue 2015: $22,341,208Expenses 2015: $16,780,581Net Income 2015: $5,560,6272015Revenue 2017: $26,138,270Expenses 2017: $18,147,861Net Income 2017: $7,990,4092017Revenue 2018: $29,431,962Expenses 2018: $21,435,187Net Income 2018: $7,996,7752018Revenue 2019: $32,531,228Expenses 2019: $23,085,318Net Income 2019: $9,445,9102019Revenue 2021: $36,161,276Expenses 2021: $24,862,837Net Income 2021: $11,298,4392021Revenue 2022: $40,291,199Expenses 2022: $30,262,420Net Income 2022: $10,028,7792022Revenue 2024: $56,626,752Expenses 2024: $48,241,925Net Income 2024: $8,384,8272024

Highlighted filing

2024

Revenue$56,626,752
Expenses$48,241,925
Net Income$8,384,827
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$948,639,606
Liabilities
$806,666,318
Net assets
$141,973,288
Revenue
$56,626,752
Expenses
$48,241,925
Net income
$8,384,827
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$949$807$142$56.6$48.2$8.38
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$834$717$117$40.3$30.3$10.0
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$763$648$115$36.2$24.9$11.3
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$553$458$95.4$32.5$23.1$9.45
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$511$425$85.7$29.4$21.4$8.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$475$397$77.8$26.1$18.1$7.99
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2015Detailed filing. Detailed filing data is available for this year.$423$359$63.4$22.3$16.8$5.56
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$393$335$57.6$20.6$13.8$6.75
2013Detailed filing. Detailed filing data is available for this year.$361$311$49.9$19.1$14.5$4.61
2012Summary only. Only limited summary data is available for this year.$348$302$46.7$18.5$13.6$4.87
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$311$269$42.0$14.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$282$243$38.2$14.2
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 1, 2025
Return Version
2024v5.1
Gross Receipts
$56,626,752
Mission and Program Overview

Mission

Westby Co-op Credit Union will provide services that are efficient, confidential, and accurate in a convenient and friendly environment. We will be competitively priced, technologically advanced and economically sound,and support our communities.

Westby co-op credit union will provide services that are efficient, confidential, and accurate in a convenient and friendly environment. We will be competitively priced, technologically advanced and economically sound, and support our communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$706,079,372$695,938,069▼ $10,141,303
Rtn Earn Endowment Incm Other Fnds$126,544,216$141,973,288▲ $15,429,072
Investments Other Securities$99,892,981$140,491,146▲ $40,598,165
Savings and Temporary Cash Investments$50,623,572$59,754,106▲ $9,130,534
Prepaid Expenses and Deferred Charges$25,348,243$21,277,888▼ $4,070,355
Land, Buildings, and Equipment, Net$12,101,741$11,192,523▼ $909,218
Cash and Non-Interest-Bearing Accounts$5,440,293$5,689,362▲ $249,069
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$913,235,207$948,639,606▲ $35,404,399
Other Assets Total$13,749,005$14,296,512▲ $547,507
Liabilities
Other Liabilities$735,535,074$777,431,761▲ $41,896,687
Accounts Payable and Accrued Expenses$51,155,917$29,234,557▼ $21,921,360
Total Liabilities$786,690,991$806,666,318▲ $19,975,327
Net Assets / Fund Balance
Total Net Assets Fund Balance$126,544,216$141,973,288▲ $15,429,072
Total Liabilities and Net Assets / Fund Balance$913,235,207$948,639,606▲ $35,404,399

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,527,961$5,792,332$13,320,293
Equipment$1,553,087$9,095,932$10,649,019
Land$2,111,475-$2,111,475
Other Securities$140,491,146--
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Chris BarnickPresident/CEOFT$368,047$58,889$426,936
John RudieCFOFT$244,470$43,676$288,146
Tom HafemannCTOFT$205,409$58,499$263,908
Vincent PaduanoCLOFT$207,683$50,181$257,864
Marlene OlsonCXOFT$186,576$23,164$209,740
Blake SjobergCmsoFT$124,264$9,857$134,121
Monte TorgersonChairperson Credit COM-$12,900-$12,900
Kevin Larson2nd Vice Chair-$11,750-$11,750
Joanne Hurnfeld2nd Vice Chair Alco COM-$9,600-$9,600
William MarohlSecretary Audit COM-$8,575-$8,575
Sarah ManiTreasurer Alco COM-$7,825-$7,825
Christine SloatVice Chairman It COM-$7,625-$7,625
Alan Berg2nd Vice Chair Audit COM-$5,800-$5,800

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack HenrySoftware/hardwarePO BOX 807, Monett, MO 65708$762,075
Sales ForceSoftwarePO BOX 203141, Dallas, TX 75320$638,970
Alkami TechnologySoftware5601 GRANITE PKWY STE 120, Plano, TX 75024$558,224
VeleroSoftware560 CARILLON PARKWAY, St Petersburg, FL 33716$456,705
Heartland BusinessSoftware/hardwarePO BOX 856846, Minneapolis, MN 55485$404,353
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$51,286,266
Investment Income
$5,340,486
Other Revenue
$0
Change in Net Assets
$8,384,827
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$32,848,622
Salaries, Compensation, and Employee Benefits$15,393,303
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$17,168,556
Other Salaries and Wages---$10,114,115
Information Technology---$3,434,089
Office Expenses---$1,823,577
Other Employee Benefits---$1,787,586
Current Officers, Directors, Trustees, and Key Employees---$1,644,790
Depreciation Depletion---$1,118,625
Payroll Taxes---$1,017,885
Pension Plan Contributions---$828,927
Occupancy---$783,056
Advertising---$716,254
Fees for Services Legal---$709,939
Travel---$239,260
Conferences and Meetings---$163,645
Insurance---$145,060
Other Expenses---$127,131
Fees for Services Accounting---$110,472
Fees for Service Investment Mgmnt Fees---$2,489
Total Functional Expenses$0$0$0$48,241,925
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 and Deposits$777,431,761
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
No
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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members who elect members of the governing body annually. At december 31, 2024, westby co-op credit union has 40,961 members.”

Form 990, Part VI, Section A, Line 7A

“The organization has members who elect members of the governing body annually.”

Form 990, Part VI, Section A, Line 7B

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

Form 990, Part VI, Section B, Line 11B

“The cfo accumulates all 990 and 990t information. The 990 and the 990t are reviewed by the governing body and senior management.”

Form 990, Part VI, Section B, Line 15A

“Compensation is determined for the ceo by using a salary survey. The board approves the president's compensation and the president approves employee salaries.”

Form 990, Part VI, Section C, Line 19

“We post our financial statements on the member bulletin board in our credit union's entrance on an annual basis. The conflict of interest policy and the governing documents are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Westby Co-op Credit Union
EIN
39-0966273
Phone
6086347615
Address
PO BOX 70, WESTBY, WI 54667

Signing Officer

Name
John Rudie
Title
CFO
Phone
6086347615
Signed
2025-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Rudie
Formed
1939
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
262
Volunteers
0

Preparer

Firm
Mbe Cpas Llp
Address
1136 E MAIN STREET, REEDSBURG, WI 53959
Preparer
Ryan Weber CPA
Phone
6085248998
Raw XML AppendixShowing 400 of 511 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/AccountantCompileOrReviewInd01
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WESTBY CO-OP CREDIT UNION WILL PROVIDE SERVICES THAT ARE EFFICIENT, CONFIDENTIAL, AND ACCURATE IN A CONVENIENT AND FRIENDLY ENVIRONMENT. WE WILL BE COMPETITIVELY PRICED, TECHNOLOGICALLY ADVANCED AND ECONOMICALLY SOUND, AND SUPPORT OUR COMMUNITIES.
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IRS990/BooksInCareOfDetail/PhoneNum06086343118
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IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt016
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01644790
IRS990/CompensationFromOtherSrcsInd00
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IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0762075
IRS990/ContractorCompensationGrp/CompensationAmt1638970
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt112900
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt211750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt37625
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt45800
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON CREDIT COM
IRS990/Form990PartVIISectionAGrp/TitleTxt22ND VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIRMAN IT COM
IRS990/Form990PartVIISectionAGrp/TitleTxt42ND VICE CHAIR AUDIT COM
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY AUDIT COM
IRS990/Form990PartVIISectionAGrp/TitleTxt62ND VICE CHAIR ALCO COM
IRS990/Form990PartVIISectionAGrp/TitleTxt7CMSO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CXO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CTO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt12TREASURER ALCO COM
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IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
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IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt022
IRS990/IndoorTanningServicesInd00
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IRS990/InformationTechnologyGrp/TotalAmt03434089
IRS990/InsuranceGrp/TotalAmt0145060
IRS990/InterestGrp/TotalAmt017168556
IRS990/InvestmentIncomeGrp/ExclusionAmt05340486
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IRS990/MissionDesc0WESTBY CO-OP CREDIT UNION WILL PROVIDE SERVICES THAT ARE EFFICIENT, CONFIDENTIAL, AND ACCURATE IN A CONVENIENT AND FRIENDLY ENVIRONMENT. WE WILL BE COMPETITIVELY PRICED, TECHNOLOGICALLY ADVANCED AND ECONOMICALLY SOUND, AND SUPPORT OUR COMMUNITIES.
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IRS990/NetAssetsOrFundBalancesEOYAmt0141973288
IRS990/NetUnrelatedBusTxblIncmAmt019107
IRS990/NetUnrlzdGainsLossesInvstAmt02896747
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IRS990/OccupancyGrp/TotalAmt0783056
IRS990/OfficeExpensesGrp/TotalAmt01823577
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IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt014296512
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt01787586
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IRS990/OtherExpensesGrp/Desc1CARD EXPENSES
IRS990/OtherExpensesGrp/Desc2DUES AND SUBSCRIPTIONS
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IRS990/OtherExpensesGrp/TotalAmt12258672
IRS990/OtherExpensesGrp/TotalAmt2127131
IRS990/OtherLiabilitiesGrp/BOYAmt0735535074
IRS990/OtherLiabilitiesGrp/EOYAmt0777431761
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0695938069
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IRS990/PensionPlanContributionsGrp/TotalAmt0828927
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt025348243
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt021277888
IRS990/PrincipalOfficerNm0JOHN RUDIE
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IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
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IRS990/ProgramServiceRevenueGrp/Desc1LOAN INSURANCE
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1354685
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1354685
IRS990/ProgSrvcAccomActy2Grp/Desc0WE FUNDED 6,327 LOANS DURING 2024. AS OF 12/31/24, WE HAD 3,622 MORTGAGES/HOME EQUITY, 12,232 CONSUMER LOANS, 3,771 BUSINESS LOANS, AND 6,059 CREDIT CARD ACCOUNTS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDE LOW COST FINANCIAL SERVICES TO 40,961 MEMBERS. DURING 2024, WE OPENED 21,116 NEW DEPOSITS, TRANSACTION AND INVESTMENT ACCOUNTS.
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt059754106
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IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1244470
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2205409
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3207683
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4186576
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount022850
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