Civic Intelligence

Pcm Credit Union

990 • Fiscal year 2015 • EIN 39-0974444

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 10, 2016

Organization Profilewww.pcmcu.org

View Organization Page

PO Box 28500Green Bay, WI 54324

(920) 499-2831

Siviq Scores

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

Liabilities / Assets

14th percentile

0.85x

Higher debt load relative to assets than 14% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

63rd percentile

19.68x

Higher debt load relative to revenue than 63% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

95th percentile

27%

Higher net margin than 95% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

63rd percentile

$226,833

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

93rd percentile

16%

Faster asset growth than 93% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

72nd percentile

8.5%

Faster revenue growth than 72% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets14th percentile

Assets

Up

$194,514,783

Up $27,390,021 (+16%) from 2014

Net Assets

Up

$29,279,140

Up $4,006,527 (+16%) from 2014

Liabilities

Up

$165,235,643

Up $23,383,494 (+16%) from 2014

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin95th percentile

Revenue

Up

$8,398,068

Up $656,342 (+8.5%) from 2014

Expenses

Up

$6,102,204

Up $460,755 (+8.2%) from 2014

Net Income

Up

$2,295,864

Up $195,587 (+9.3%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

$600M$400M$200M$0Assets 2010: $136,437,657Liabilities 2010: $118,534,003Net Assets 2010: $17,903,6542010Assets 2011: $146,961,280Liabilities 2011: $127,457,031Net Assets 2011: $19,504,2492011Assets 2012: $159,306,623Liabilities 2012: $138,029,633Net Assets 2012: $21,276,9902012Assets 2013: $163,312,376Liabilities 2013: $140,140,040Net Assets 2013: $23,172,3362013Assets 2014: $167,124,762Liabilities 2014: $141,852,149Net Assets 2014: $25,272,6132014Assets 2015: $194,514,783Liabilities 2015: $165,235,643Net Assets 2015: $29,279,1402015Assets 2016: $215,765,195Liabilities 2016: $184,390,462Net Assets 2016: $31,374,7332016Assets 2017: $243,670,703Liabilities 2017: $209,887,619Net Assets 2017: $33,783,0842017Assets 2018: $258,982,107Liabilities 2018: $223,202,083Net Assets 2018: $35,780,0242018Assets 2019: $269,206,275Liabilities 2019: $230,930,369Net Assets 2019: $38,275,9062019Assets 2020: $320,189,637Liabilities 2020: $279,283,373Net Assets 2020: $40,906,2642020Assets 2021: $358,033,017Liabilities 2021: $315,677,282Net Assets 2021: $42,355,7352021Assets 2022: $393,134,166Liabilities 2022: $352,518,355Net Assets 2022: $40,615,8112022Assets 2023: $450,113,411Liabilities 2023: $407,445,244Net Assets 2023: $42,668,1672023Assets 2024: $468,092,393Liabilities 2024: $423,327,743Net Assets 2024: $44,764,6502024

Highlighted filing

2015

Assets$194,514,783
Liabilities$165,235,643
Net Assets$29,279,140
Open 2015 Filing

Operations Trend

Revenue Growth72nd percentile

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

$30M$20M$10M$0Expenses 2010: $5,415,8272010Expenses 2011: $5,448,2082011Revenue 2012: $7,367,273Expenses 2012: $5,594,532Net Income 2012: $1,772,7412012Revenue 2013: $7,466,143Expenses 2013: $5,570,797Net Income 2013: $1,895,3462013Revenue 2014: $7,741,726Expenses 2014: $5,641,449Net Income 2014: $2,100,2772014Revenue 2015: $8,398,068Expenses 2015: $6,102,204Net Income 2015: $2,295,8642015Revenue 2016: $8,831,402Expenses 2016: $6,764,614Net Income 2016: $2,066,7882016Revenue 2017: $9,909,976Expenses 2017: $7,396,295Net Income 2017: $2,513,6812017Revenue 2018: $10,832,370Expenses 2018: $8,658,461Net Income 2018: $2,173,9092018Revenue 2019: $12,306,774Expenses 2019: $10,183,911Net Income 2019: $2,122,8632019Revenue 2020: $12,456,695Expenses 2020: $10,252,529Net Income 2020: $2,204,1662020Revenue 2021: $12,583,727Expenses 2021: $9,832,619Net Income 2021: $2,751,1082021Revenue 2022: $13,994,856Expenses 2022: $10,936,812Net Income 2022: $3,058,0442022Revenue 2023: $18,921,575Expenses 2023: $17,920,582Net Income 2023: $1,000,9932023Revenue 2024: $23,271,400Expenses 2024: $21,679,687Net Income 2024: $1,591,7132024

Highlighted filing

2015

Revenue$8,398,068
Expenses$6,102,204
Net Income$2,295,864
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 10, 2016
Return Version
2015v2.1
Gross Receipts
$9,516,443
Mission and Program Overview

Mission

PCM Credit Union is a strong financial cooperative that goes above and beyond by providing member-owners benefits and advantages over other financial institutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$134,913,919$157,379,576▲ $22,465,657
Rtn Earn Endowment Incm Other Fnds$25,272,613$29,279,140▲ $4,006,527
Savings and Temporary Cash Investments$19,229,469$13,216,402▼ $6,013,067
Investments in Publicly Traded Securities-$8,627,733-
Investments Other Securities$6,452,565$6,807,786▲ $355,221
Land, Buildings, and Equipment, Net$4,407,807$4,475,674▲ $67,867
Investments Program Related$888,490$2,303,802▲ $1,415,312
Cash and Non-Interest-Bearing Accounts$758,604$1,106,236▲ $347,632
Prepaid Expenses and Deferred Charges$175,083$150,486▼ $24,597
Accounts Receivable$-1,641$8,242▲ $9,883
Total Assets$167,124,762$194,514,783▲ $27,390,021
Other Assets Total$300,466$438,846▲ $138,380
Liabilities
Other Liabilities$141,672,564$163,732,327▲ $22,059,763
Accounts Payable and Accrued Expenses$179,585$1,503,316▲ $1,323,731
Total Liabilities$141,852,149$165,235,643▲ $23,383,494
Net Assets / Fund Balance
Total Net Assets Fund Balance$25,272,613$29,279,140▲ $4,006,527
Total Liabilities and Net Assets / Fund Balance$167,124,762$194,514,783▲ $27,390,021

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,322,413$491,133$3,813,546
Land$866,658-$866,658
Equipment$153,183$390,486$543,669
Other Land Buildings$133,420$339,985$473,405
Investment Program Related Org$1,496,724--
Other Securities$6,807,786--
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Danny L WollinPresidentCEOFT$173,830$53,003$226,833
Cathy BecksExecutive Vice PresidentFT$141,730$63,977$205,707

Board Members and Trustees

NameTitle
Jerry KuschelChair
Jim ZittlowVice-Chair
Craig KosbabDirector
Joan KellyDirector
Karen SylvesterDirector
Marlis KlimekSecretary
Larry FrazierTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,720,586
Investment Income
$667,597
Other Revenue
$9,885
Change in Net Assets
$2,295,864
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,489,567
Salaries, Compensation, and Employee Benefits$2,612,637
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,609,507
Other Expenses-$641,538-$641,538
Current Officers, Directors, Trustees, and Key Employees---$377,872
Other Employee Benefits---$355,068
Depreciation Depletion---$269,999
Advertising---$268,897
Information Technology---$234,795
Office Expenses---$210,923
Occupancy---$167,834
Payroll Taxes---$142,337
Pension Plan Contributions---$127,853
Conferences and Meetings---$92,836
Fees for Services Other---$92,245
Insurance---$48,660
All Other Expenses---$42,958
Payments to Affiliates---$40,003
Fees for Services Accounting---$20,220
Travel---$18,996
Fees for Services Legal---$870
Total Functional Expenses$0$0$0$6,102,204
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share & Deposits$163,732,327
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).”

Member election for additional members Part VI line 7A

“The Board of Directors is elected by the membership utilizing their one vote per member.”

Governing body decisions Part VI line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).”

Form 990 governing body review Part VI line 11

“Reviewed by executive management.”

CEO executive director top management comp Part VI line 15A

“Reviewed by an independent auditor”

Other officer or key employee compensation Part VI line 15B

“Reviewed by an independent auditor”

Governing documents etc available to public Part VI line 19

“Financial Statements available to all members at Annual Meeting in the Annual Report Booklet and are also posted in the credit union lobby. All others would be considered upon request.”

Filing and Contact Details

Filer

Filer Name
PCM Credit Union
EIN
39-0974444
Address
PO BOX 28500, Green Bay, WI 54324

Signing Officer

Name
Danny L Wollin
Title
PresidentCEO
Phone
9204992831
Signed
2016-11-10
Discuss with paid preparer
No

Organization Details

Principal Officer
Danny L Wollin
Formed
1958
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
42
Volunteers
7

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Significant program services not listed on prior year return Part III line 2

“Custom Branded Mobile Apps / Instant Issue Debit and Credit Cards / EMV Technology on both Debit and Credit Cards / Tokenization (ApplePay) with MasterCard Debit and Credit Cards / Mobile Deposit Capture.”

Explanation of other changes in net assets or fund balances Part XI line 9

“Equity Aquired in Merger of Marinette County Employees Credit Union.”

Raw XML AppendixShowing 400 of 417 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/AccountantCompileOrReviewInd0true
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0179585
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01503316
IRS990/AccountsReceivableGrp/BOYAmt0-1641
IRS990/AccountsReceivableGrp/EOYAmt08242
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PCM Credit Union is a strong financial cooperative that goes above and beyond by providing member-owners benefits and advantages over other financial institutions.
IRS990/AdvertisingGrp/TotalAmt0268897
IRS990/AllOtherExpensesGrp/TotalAmt042958
IRS990/AuditCommitteeInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Danny L Wollin
IRS990/BooksInCareOfDetail/PhoneNum09204992831
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 28500
IRS990/BooksInCareOfDetail/USAddress/CityNm0Green Bay
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054324
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0758604
IRS990/CashNonInterestBearingGrp/EOYAmt01106236
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0377872
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt092836
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0667597
IRS990/CYOtherExpensesAmt03489567
IRS990/CYOtherRevenueAmt09885
IRS990/CYProgramServiceRevenueAmt07720586
IRS990/CYRevenuesLessExpensesAmt02295864
IRS990/CYSalariesCompEmpBnftPaidAmt02612637
IRS990/CYTotalExpensesAmt06102204
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt08398068
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0269999
IRS990/Desc0We funded 2,252 loans during 2015. As of 12/31/15, we had 1,676 mortgages/home equity lines, 3,227 consumer loans and 38 member business loans. We also had 2,384 credit card accounts with our members at 12/31.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt042
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt020220
IRS990/FeesForServicesLegalGrp/TotalAmt0870
IRS990/FeesForServicesOtherGrp/TotalAmt092245
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
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/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt731943
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt822726
IRS990/Form990PartVIISectionAGrp/PersonNm0Larry Frazier
IRS990/Form990PartVIISectionAGrp/PersonNm1Joan Kelly
IRS990/Form990PartVIISectionAGrp/PersonNm2Jerry Kuschel
IRS990/Form990PartVIISectionAGrp/PersonNm3Craig Kosbab
IRS990/Form990PartVIISectionAGrp/PersonNm4Jim Zittlow
IRS990/Form990PartVIISectionAGrp/PersonNm5Marlis Klimek
IRS990/Form990PartVIISectionAGrp/PersonNm6Karen Sylvester
IRS990/Form990PartVIISectionAGrp/PersonNm7Cathy Becks
IRS990/Form990PartVIISectionAGrp/PersonNm8Danny L Wollin
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7173764
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8204107
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/TitleTxt0Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Executive Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt8PresidentCEO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01958
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt07483
IRS990/GainOrLossGrp/SecuritiesAmt0595
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0232858
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0893595
IRS990/GrossReceiptsAmt09516443
IRS990/GrossRentsGrp/RealAmt09300
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0234795
IRS990/InsuranceGrp/TotalAmt048660
IRS990/InvestmentIncomeGrp/ExclusionAmt0659519
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0659519
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06452565
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06807786
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0888490
IRS990/InvestmentsProgramRelatedGrp/EOYAmt02303802
IRS990/InvestmentsPubTradedSecGrp/EOYAmt08627733
IRS990/IRPDocumentCnt04891
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01221604
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04407807
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04475674
IRS990/LandBldgEquipCostOrOtherBssAmt05697278
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0225375
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0893000
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PCM Credit Union is a strong financial cooperative that goes above and beyond by providing member-owners benefits and advantages over other financial institutions.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt025272613
IRS990/NetAssetsOrFundBalancesEOYAmt029279140
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt08078
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt08078
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt09300
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt09300
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt044733
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0167834
IRS990/OfficeExpensesGrp/TotalAmt0210923
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0300466
IRS990/OtherAssetsTotalGrp/EOYAmt0438846
IRS990/OtherChangesInNetAssetsAmt01665930
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0355068
IRS990/OtherExpensesGrp/Desc0Dividends on Shares
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Member AcctCard Fees
IRS990/OtherExpensesGrp/Desc3Loan Servicing Exp
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01129751
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1-123700
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2332742
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3641538
IRS990/OtherExpensesGrp/TotalAmt01129751
IRS990/OtherExpensesGrp/TotalAmt1-123700
IRS990/OtherExpensesGrp/TotalAmt2332742
IRS990/OtherExpensesGrp/TotalAmt3641538
IRS990/OtherLiabilitiesGrp/BOYAmt0141672564
IRS990/OtherLiabilitiesGrp/EOYAmt0163732327
IRS990/OtherSalariesAndWagesGrp/TotalAmt01609507
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0134913919
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0157379576
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt040003
IRS990/PayrollTaxesGrp/TotalAmt0142337
IRS990/PensionPlanContributionsGrp/TotalAmt0127853
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0175083
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0150486
IRS990/PrincipalOfficerNm0Danny L Wollin
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Other Member Fee Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06633383
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11087203
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06633383
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11087203
IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 11,554 members at 12/31/15. During 2015, we opened 4,991 new deposit, transaction and investment accounts.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0525677
IRS990/PYOtherExpensesAmt03378699
IRS990/PYOtherRevenueAmt086639
IRS990/PYProgramServiceRevenueAmt07129410
IRS990/PYRevenuesLessExpensesAmt02100277
IRS990/PYSalariesCompEmpBnftPaidAmt02262750
IRS990/PYTotalExpensesAmt05641449
IRS990/PYTotalRevenueAmt07741726
IRS990/ReconcilationRevenueExpnssAmt02295864
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt09300
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt0585
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0585
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt025272613
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt029279140
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019229469
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013216402
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03322413
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0491133
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03813546
IRS990ScheduleD/EquipmentGrp/BookValueAmt0153183
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0390486
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0543669
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0807078
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt11496724
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CCCU MCS & PCC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NCUA
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt0866658
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0866658
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0133420
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0339985
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0473405
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0163732327
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Share & Deposits
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06807786
IRS990ScheduleD/OtherSecuritiesGrp/Desc0New York Life
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04475674
IRS990ScheduleD/TotalBookValueProgramRltdAmt02303802
IRS990ScheduleD/TotalBookValueSecuritiesAmt06807786
IRS990ScheduleD/TotalLiabilityAmt0163732327
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0141730
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1173830
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount032034
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount130277
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013073
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt115255
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt018870
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt17471
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Cathy Becks
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Danny L Wollin
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Executive Vice President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1PresidentCEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0205707
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1226833
IRS990ScheduleJ/SeverancePaymentInd0true
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Reviewed by executive management.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Reviewed by an independent auditor
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Reviewed by an independent auditor
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financial Statements available to all members at Annual Meeting in the Annual Report Booklet and are also posted in the credit union lobby. All others would be considered upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Custom Branded Mobile Apps / Instant Issue Debit and Credit Cards / EMV Technology on both Debit and Credit Cards / Tokenization (ApplePay) with MasterCard Debit and Credit Cards / Mobile Deposit Capture.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Equity Aquired in Merger of Marinette County Employees Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Significant program services not listed on prior year return Part III line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Explanation of other changes in net assets or fund balances Part XI line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0true
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0167124762
IRS990/TotalAssetsEOYAmt0194514783
IRS990/TotalAssetsGrp/BOYAmt0167124762
IRS990/TotalAssetsGrp/EOYAmt0194514783
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt042
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt06102204
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0141852149
IRS990/TotalLiabilitiesEOYAmt0165235643
IRS990/TotalLiabilitiesGrp/BOYAmt0141852149
IRS990/TotalLiabilitiesGrp/EOYAmt0165235643
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt025272613
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt029279140
IRS990/TotalOtherCompensationAmt054669
IRS990/TotalProgramServiceRevenueAmt07720586
IRS990/TotalReportableCompFromOrgAmt0377871
IRS990/TotalRevenueGrp/ExclusionAmt0677482
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt07720586
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt08398068
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0167124762
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0194514783
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt018996
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.pcmcu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Danny L Wollin
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PresidentCEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09204992831
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PCM Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0PCMC
ReturnHeader/Filer/EIN0390974444
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 28500

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$194,514,783
Liabilities
$165,235,643
Net assets
$29,279,140
Revenue
$8,398,068
Expenses
$6,102,204
Net income
$2,295,864
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$468$423$44.8$23.3$21.7$1.59
2023Detailed filing. Detailed filing data is available for this year.$450$407$42.7$18.9$17.9$1.00
2022Detailed filing. Detailed filing data is available for this year.$393$353$40.6$14.0$10.9$3.06
2021Detailed filing. Detailed filing data is available for this year.$358$316$42.4$12.6$9.83$2.75
2020Detailed filing. Detailed filing data is available for this year.$320$279$40.9$12.5$10.3$2.20
2019Detailed filing. Detailed filing data is available for this year.$269$231$38.3$12.3$10.2$2.12
2018Detailed filing. Detailed filing data is available for this year.$259$223$35.8$10.8$8.66$2.17
2017Detailed filing. Detailed filing data is available for this year.$244$210$33.8$9.91$7.40$2.51
2016Detailed filing. Detailed filing data is available for this year.$216$184$31.4$8.83$6.76$2.07
2015Detailed filing. Detailed filing data is available for this year.$195$165$29.3$8.40$6.10$2.30
2014Detailed filing. Detailed filing data is available for this year.$167$142$25.3$7.74$5.64$2.10
2013Detailed filing. Detailed filing data is available for this year.$163$140$23.2$7.47$5.57$1.90
2012Summary only. Only limited summary data is available for this year.$159$138$21.3$7.37$5.59$1.77
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$147$127$19.5$5.45
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$136$119$17.9$5.42