Civic Intelligence

Tomah Area Credit Union

EIN 39-0966830 • 501(c)14 • Tomah, WI

Profile

The mission of this credit union to provide the best financial service to our members.

PO Box 940Tomah, WI 54660

www.tacuonline.com

Siviq Scores

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

Liabilities / Assets

35th percentile

0.88x

Higher debt load relative to assets than 35% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

71st percentile

16.95x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Net Margin

97th percentile

33%

Higher net margin than 97% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Top Officer Pay

80th percentile

$334,100

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Asset Growth

92nd percentile

11%

Faster asset growth than 92% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

21st percentile

6.7%

Faster revenue growth than 21% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Assets

Up

$121,088,675

Up $11,555,005 (+11%) from 2024

Liabilities

Up

$106,280,719

Up $9,499,681 (+9.8%) from 2024

Net Assets

Up

$14,807,956

Up $2,055,324 (+16%) from 2024

Revenue

Up

$6,269,770

Up $391,541 (+6.7%) from 2024

Expenses

Up

$4,214,446

Up $183,352 (+4.5%) from 2024

Net Income

Up

$2,055,324

Up $208,189 (+11%) from 2024

Trend Graphs

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2010: $50,130,277Liabilities 2010: $45,418,861Net Assets 2010: $4,711,4162010Assets 2011: $52,348,322Liabilities 2011: $47,597,224Net Assets 2011: $4,751,0982011Assets 2012: $53,665,562Liabilities 2012: $48,552,444Net Assets 2012: $5,113,1182012Assets 2013: $54,490,678Liabilities 2013: $49,162,662Net Assets 2013: $5,328,0162013Assets 2014: $56,830,903Liabilities 2014: $51,382,551Net Assets 2014: $5,448,3522014Assets 2015: $57,279,573Liabilities 2015: $51,732,031Net Assets 2015: $5,547,5422015Assets 2016: $57,841,230Liabilities 2016: $52,288,836Net Assets 2016: $5,552,3942016Assets 2017: $60,328,102Liabilities 2017: $54,509,743Net Assets 2017: $5,818,3592017Assets 2018: $62,540,147Liabilities 2018: $56,211,417Net Assets 2018: $6,328,7302018Assets 2019: $66,628,756Liabilities 2019: $59,597,405Net Assets 2019: $7,031,3512019Assets 2020: $88,934,855Liabilities 2020: $81,315,123Net Assets 2020: $7,619,7322020Assets 2021: $100,004,143Liabilities 2021: $91,790,260Net Assets 2021: $8,213,8832021Assets 2022: $98,532,665Liabilities 2022: $89,365,064Net Assets 2022: $9,167,6012022Assets 2023: $98,978,712Liabilities 2023: $88,073,215Net Assets 2023: $10,905,4972023Assets 2024: $109,533,670Liabilities 2024: $96,781,038Net Assets 2024: $12,752,6322024Assets 2025: $121,088,675Liabilities 2025: $106,280,719Net Assets 2025: $14,807,9562025

Highlighted filing

2025

Assets$121,088,675
Liabilities$106,280,719
Net Assets$14,807,956

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $2,411,8432010Expenses 2011: $2,338,7422011Expenses 2012: $2,124,1762012Revenue 2013: $2,426,149Expenses 2013: $2,121,741Net Income 2013: $304,4082013Revenue 2014: $2,182,380Expenses 2014: $2,062,044Net Income 2014: $120,3362014Revenue 2015: $2,240,970Expenses 2015: $2,141,780Net Income 2015: $99,1902015Revenue 2016: $2,364,491Expenses 2016: $2,359,639Net Income 2016: $4,8522016Revenue 2017: $2,556,483Expenses 2017: $2,290,518Net Income 2017: $265,9652017Revenue 2018: $2,874,189Expenses 2018: $2,363,818Net Income 2018: $510,3712018Revenue 2019: $3,147,121Expenses 2019: $2,444,499Net Income 2019: $702,6222019Revenue 2020: $3,141,614Expenses 2020: $2,553,234Net Income 2020: $588,3802020Revenue 2021: $3,057,536Expenses 2021: $2,463,385Net Income 2021: $594,1512021Revenue 2022: $3,376,958Expenses 2022: $2,423,240Net Income 2022: $953,7182022Revenue 2023: $4,837,364Expenses 2023: $3,099,468Net Income 2023: $1,737,8962023Revenue 2024: $5,878,229Expenses 2024: $4,031,094Net Income 2024: $1,847,1352024Revenue 2025: $6,269,770Expenses 2025: $4,214,446Net Income 2025: $2,055,3242025

Highlighted filing

2025

Revenue$6,269,770
Expenses$4,214,446
Net Income$2,055,324

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$121$106$14.8$6.27$4.21$2.06
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$110$96.8$12.8$5.88$4.03$1.85
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$99.0$88.1$10.9$4.84$3.10$1.74
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$98.5$89.4$9.17$3.38$2.42$0.95
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$100$91.8$8.21$3.06$2.46$0.59
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$88.9$81.3$7.62$3.14$2.55$0.59
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.6$59.6$7.03$3.15$2.44$0.70
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.5$56.2$6.33$2.87$2.36$0.51
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$60.3$54.5$5.82$2.56$2.29$0.27
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.8$52.3$5.55$2.36$2.36$0.00
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.3$51.7$5.55$2.24$2.14$0.10
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$56.8$51.4$5.45$2.18$2.06$0.12
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$54.5$49.2$5.33$2.43$2.12$0.30
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.7$48.6$5.11$2.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.3$47.6$4.75$2.34
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.1$45.4$4.71$2.41
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 20, 2026
Return Version
2025v4.0
Gross Receipts
$6,269,770
Mission and Program Overview

Mission

To function as a member-owned, not-for-profit financial cooperative.

The mission of this credit union to provide the best financial service to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$56,689,623$59,854,890▲ $3,165,267
Savings and Temporary Cash Investments$44,617,892$31,002,478▼ $13,615,414
Investments Program Related$5,223,705$26,809,861▲ $21,586,156
Rtn Earn Endowment Incm Other Fnds$12,752,632$14,807,956▲ $2,055,324
Land, Buildings, and Equipment, Net$1,018,778$1,019,076▲ $298
Cash and Non-Interest-Bearing Accounts$650,691$761,840▲ $111,149
Prepaid Expenses and Deferred Charges$160,493$150,177▼ $10,316
Accounts Receivable$274,091$16,276▼ $257,815
Total Assets$109,533,670$121,088,675▲ $11,555,005
Other Assets Total$898,397$1,474,077▲ $575,680
Liabilities
Other Liabilities$95,717,761$105,478,756▲ $9,760,995
Accounts Payable and Accrued Expenses$991,063$708,113▼ $282,950
Escrow Account Liability$72,214$93,850▲ $21,636
Total Liabilities$96,781,038$106,280,719▲ $9,499,681
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,752,632$14,807,956▲ $2,055,324
Total Liabilities and Net Assets / Fund Balance$109,533,670$121,088,675▲ $11,555,005

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$752,860$987,572$1,740,432
Equipment$150,126$534,316$684,442
Land$116,090-$116,090
Investment Program Related Org$32,004--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Todd ScholzPresident/ceFT$210,313$123,787$334,100
Todd ScholzPresident/CEO-$151,582$182,518$334,100
Jayme AltmanVP AccountinFT$94,044$47,397$141,441
Joesph BubnichDirector-$3,500-$3,500
John FroelichVice Chair-$3,500-$3,500
Paul WieseChair-$3,500-$3,500
Alan LaylanDirector-$3,250-$3,250
Linda JohnsonTreasurer-$3,250-$3,250
Jeffery CramSecretary-$3,000-$3,000
Martha KlattDirector-$3,000-$3,000

Highest Paid Contractors

ContractorServicesLocationCompensation
ShazamCard Processor6700 PIONEER PARKWAY, Johnston, IA 50131$295,126
Enhanced Software Products INCCore Processor1811 N HUTCHINSON ROAD, Spokane, WA 99212$168,397
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,934,865
Investment Income
$2,325,338
Other Revenue
$9,567
Change in Net Assets
$2,055,324
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,772,972
Salaries, Compensation, and Employee Benefits$1,439,474
Grants and Similar Amounts Paid$2,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$699,348
Current Officers, Directors, Trustees, and Key Employees---$327,357
Office Expenses---$280,875
Pension Plan Contributions---$182,712
Information Technology---$171,982
Other Employee Benefits---$154,679
Depreciation Depletion---$103,596
Occupancy---$76,985
Payroll Taxes---$75,378
Advertising---$52,881
Conferences and Meetings---$33,090
Insurance---$28,738
Fees for Services Accounting---$26,529
Travel---$12,843
Fees for Services Legal---$4,182
Grants to Domestic Orgs---$2,000
Other Expenses---$-1,233
Total Functional Expenses$0$0$0$4,214,446
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$105,196,609
Deferred Comp Plans$375,997
Escrow Accounts to Line 21 Bal Sheet$-93,850
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

The organization provides the information to independent cpa to prepare the return. Management reviews the 990 for accuracy, and then authorizes cpa to e-file the approved return.

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

The conflict of interest policy is monitored constantly. Each time an issue arrises, the policy is reviewed to ensure compliance.

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

The board of directors determines and approves the compensation for the president. Salary surveys and comparability studies are used in the process.

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

Compensation for all other officers and key employees is determined by the president using salary surveys and comparability studies.

Form 990, Page 6, Part VI, Line 19

Governing documents, conflict of interest policy, and financial statements are available to members upon request.

Filing and Contact Details

Filer

Filer Name
Tomah Area Credit Union
EIN
39-0966830
Phone
6083724736
Address
PO BOX 940, TOMAH, WI 54660

Signing Officer

Name
Todd Scholz
Title
President/CEO
Phone
6083724736
Signed
2026-03-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Todd Scholz
Formed
1939
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
27
Volunteers
7

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 425 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/BOYAmt0991063
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0708113
IRS990/AccountsReceivableGrp/BOYAmt0274091
IRS990/AccountsReceivableGrp/EOYAmt016276
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE MISSION OF THIS CREDIT UNION TO PROVIDE THE BEST FINANCIAL SERVICE TO OUR MEMBERS.
IRS990/AdvertisingGrp/TotalAmt052881
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0JAYME ALTMAN
IRS990/BooksInCareOfDetail/PhoneNum06083724736
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 940
IRS990/BooksInCareOfDetail/USAddress/CityNm0TOMAH
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054660
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0650691
IRS990/CashNonInterestBearingGrp/EOYAmt0761840
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0327357
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt033090
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0295126
IRS990/ContractorCompensationGrp/CompensationAmt1168397
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt06700 PIONEER PARKWAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt11811 N HUTCHINSON ROAD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0JOHNSTON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1SPOKANE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0IA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1WA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd050131
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd199212
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0SHAZAM
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1ENHANCED SOFTWARE PRODUCTS INC
IRS990/ContractorCompensationGrp/ServicesDesc0CARD PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc1CORE PROCESSOR
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt02000
IRS990/CYInvestmentIncomeAmt02325338
IRS990/CYOtherExpensesAmt02772972
IRS990/CYOtherRevenueAmt09567
IRS990/CYProgramServiceRevenueAmt03934865
IRS990/CYRevenuesLessExpensesAmt02055324
IRS990/CYSalariesCompEmpBnftPaidAmt01439474
IRS990/CYTotalExpensesAmt04214446
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt06269770
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0103596
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 301 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 6,704 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt027
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt072214
IRS990/EscrowAccountLiabilityGrp/EOYAmt093850
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt026529
IRS990/FeesForServicesLegalGrp/TotalAmt04182
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt045.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt145.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt0123787
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt147397
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0TODD SCHOLZ
IRS990/Form990PartVIISectionAGrp/PersonNm1JAYME ALTMAN
IRS990/Form990PartVIISectionAGrp/PersonNm2JOESPH BUBNICH
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN FROELICH
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL WIESE
IRS990/Form990PartVIISectionAGrp/PersonNm5LINDA JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm6ALAN LAYLAN
IRS990/Form990PartVIISectionAGrp/PersonNm7JEFFERY CRAM
IRS990/Form990PartVIISectionAGrp/PersonNm8MARTHA KLATT
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0210313
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt194044
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt33500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt43500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt53250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt63250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt73000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt83000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP ACCOUNTIN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01939
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt02000
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt06269770
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0171982
IRS990/InsuranceGrp/TotalAmt028738
IRS990/InvestmentIncomeGrp/ExclusionAmt02325338
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02325338
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt05223705
IRS990/InvestmentsProgramRelatedGrp/EOYAmt026809861
IRS990/IRPDocumentCnt02305
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01521888
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01018778
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01019076
IRS990/LandBldgEquipCostOrOtherBssAmt02540964
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0THE MISSION OF THIS CREDIT UNION TO PROVIDE THE BEST FINANCIAL SERVICE TO OUR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt012752632
IRS990/NetAssetsOrFundBalancesEOYAmt014807956
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt076985
IRS990/OfficeExpensesGrp/TotalAmt0280875
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0898397
IRS990/OtherAssetsTotalGrp/EOYAmt01474077
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0154679
IRS990/OtherExpensesGrp/Desc0DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc1DEBIT CARD PROGRAMS EXP
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3CREDIT LOSS EXP ADJUSTMNT
IRS990/OtherExpensesGrp/TotalAmt01565457
IRS990/OtherExpensesGrp/TotalAmt1343228
IRS990/OtherExpensesGrp/TotalAmt273819
IRS990/OtherExpensesGrp/TotalAmt3-1233
IRS990/OtherLiabilitiesGrp/BOYAmt095717761
IRS990/OtherLiabilitiesGrp/EOYAmt0105478756
IRS990/OtherSalariesAndWagesGrp/TotalAmt0699348
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt056689623
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt059854890
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt075378
IRS990/PensionPlanContributionsGrp/TotalAmt0182712
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0160493
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0150177
IRS990/PrincipalOfficerNm0TODD SCHOLZ
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER MEMBER RELATED REVENUE
IRS990/ProgramServiceRevenueGrp/Desc3FEE & INSURANCE REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03201026
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1647288
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt279250
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03201026
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1647288
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt279250
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt37301
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt07301
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 425 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 2,841 LOANS RECEIVABLE.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt02000
IRS990/PYInvestmentIncomeAmt02278691
IRS990/PYOtherExpensesAmt02680685
IRS990/PYOtherRevenueAmt09874
IRS990/PYProgramServiceRevenueAmt03589664
IRS990/PYRevenuesLessExpensesAmt01847135
IRS990/PYSalariesCompEmpBnftPaidAmt01348409
IRS990/PYTotalExpensesAmt04031094
IRS990/PYTotalRevenueAmt05878229
IRS990/ReconcilationRevenueExpnssAmt02055324
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesRevenueGrp/ExclusionAmt09567
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt09567
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012752632
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014807956
IRS990/SavingsAndTempCashInvstGrp/BOYAmt044617892
IRS990/SavingsAndTempCashInvstGrp/EOYAmt031002478
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0752860
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0987572
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01740432
IRS990ScheduleD/EquipmentGrp/BookValueAmt0150126
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0534316
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0684442
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt021496000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt14366947
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2367475
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3277633
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4166700
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt5103102
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt632004
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS WITH MATURITY > 1 YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NY LIFE INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CAPITAL ACCOUNT CORPORATE CU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3WISCUB STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4FHLB STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5REACH BUSINESS LENDERS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6PSU CAPITAL CREDITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6C
IRS990ScheduleD/LandGrp/BookValueAmt0116090
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0116090
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0105196609
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1375997
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2-93850
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DEFERRED COMP PLANS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ESCROW 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
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01019076
IRS990ScheduleD/TotalBookValueProgramRltdAmt026809861
IRS990ScheduleD/TotalLiabilityAmt0105478756
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0151582
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount025250
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0110492
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt013295
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt033481
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TODD SCHOLZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0334100
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0TODD SCHOLZ 0 100,000 0
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1TODD SCHOLZ, PRESIDENT/CEO, PARTICIPATES IN AN INTERNAL EXECUTIVE BENEFIT ARRANGEMENT PLAN WHICH PROVIDES DEFERRED COMPENSATION BENEFITS. THE PLAN IS INTENDED TO BE COMPLIANT WITH CODE SECTION 457(F) TO THE EXTENT POSSIBLE. THE PLAN IS UNFUNDED, BUT AN ACCRUAL IS RECORDED ANNUALLY. THE AMOUNT SHOWN ABOVE IS THE AMOUNT ACCRUED FOR THIS TAX YEAR.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE J, PART III
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990/ScheduleORequiredInd0true
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/ExplanationTxt3THE ORGANIZATION PROVIDES THE INFORMATION TO INDEPENDENT CPA TO PREPARE THE RETURN. MANAGEMENT REVIEWS THE 990 FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CONFLICT OF INTEREST POLICY IS MONITORED CONSTANTLY. EACH TIME AN ISSUE ARRISES, THE POLICY IS REVIEWED TO ENSURE COMPLIANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE COMPENSATION FOR THE PRESIDENT. SALARY SURVEYS AND COMPARABILITY STUDIES ARE USED IN THE PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COMPENSATION FOR ALL OTHER OFFICERS AND KEY EMPLOYEES IS DETERMINED BY THE PRESIDENT USING SALARY SURVEYS AND COMPARABILITY STUDIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST.
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0109533670
IRS990/TotalAssetsEOYAmt0121088675
IRS990/TotalAssetsGrp/BOYAmt0109533670
IRS990/TotalAssetsGrp/EOYAmt0121088675
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt027
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt04214446
IRS990/TotalGrossUBIAmt07301
IRS990/TotalLiabilitiesBOYAmt096781038
IRS990/TotalLiabilitiesEOYAmt0106280719
IRS990/TotalLiabilitiesGrp/BOYAmt096781038
IRS990/TotalLiabilitiesGrp/EOYAmt0106280719
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012752632
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt014807956
IRS990/TotalOtherCompensationAmt0171184
IRS990/TotalProgramServiceRevenueAmt03934865
IRS990/TotalReportableCompFromOrgAmt0327357
IRS990/TotalRevenueGrp/ExclusionAmt02334905
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03927564
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt06269770
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt07301
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0109533670
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0121088675
IRS990/TravelGrp/TotalAmt012843
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 940
IRS990/USAddress/CityNm0TOMAH
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054660
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0TACUONLINE.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TODD SCHOLZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)14 • $100M-$250M nonprofits