Civic Intelligence

Pcm Credit Union

990 • Fiscal year 2018 • EIN 39-0974444

Jan 01, 2018 to Dec 31, 2018 • Filed on May 13, 2019

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

19th percentile

0.86x

Higher debt load relative to assets than 19% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

84th percentile

20.61x

Higher debt load relative to revenue than 84% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

78th percentile

20%

Higher net margin than 78% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

17th percentile

$276,551

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

69th percentile

6.3%

Faster asset growth than 69% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

42nd percentile

9.3%

Faster revenue growth than 42% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$258,982,107

Up $15,311,404 (+6.3%) from 2017

Net Assets

Up

$35,780,024

Up $1,996,940 (+5.9%) from 2017

Liabilities

Up

$223,202,083

Up $13,314,464 (+6.3%) from 2017

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin78th percentile

Revenue

Up

$10,832,370

Up $922,394 (+9.3%) from 2017

Expenses

Up

$8,658,461

Up $1,262,166 (+17%) from 2017

Net Income

Down

$2,173,909

Down $339,772 (-14%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth69th 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

2018

Assets$258,982,107
Liabilities$223,202,083
Net Assets$35,780,024
Open 2018 Filing

Operations Trend

Revenue Growth42nd 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

2018

Revenue$10,832,370
Expenses$8,658,461
Net Income$2,173,909
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 13, 2019
Return Version
2018v3.1
Gross Receipts
$12,149,886
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$195,430,284$216,316,481▲ $20,886,197
Rtn Earn Endowment Incm Other Fnds$33,783,084$35,780,024▲ $1,996,940
Savings and Temporary Cash Investments$18,812,654$14,899,770▼ $3,912,884
Investments Other Securities$7,568,901$7,980,144▲ $411,243
Investments in Publicly Traded Securities$10,573,207$7,963,238▼ $2,609,969
Land, Buildings, and Equipment, Net$7,053,567$7,096,328▲ $42,761
Investments Program Related$2,582,757$2,695,048▲ $112,291
Cash and Non-Interest-Bearing Accounts$949,767$1,286,871▲ $337,104
Prepaid Expenses and Deferred Charges$242,518$183,787▼ $58,731
Accounts Receivable$9,687$13,630▲ $3,943
Total Assets$243,670,703$258,982,107▲ $15,311,404
Other Assets Total$447,361$546,810▲ $99,449
Liabilities
Other Liabilities$198,565,300$216,691,331▲ $18,126,031
Mortgage Notes Payable Secured by Investment Property$8,000,000$5,000,000▼ $3,000,000
Accounts Payable and Accrued Expenses$3,322,319$1,510,752▼ $1,811,567
Total Liabilities$209,887,619$223,202,083▲ $13,314,464
Net Assets / Fund Balance
Total Net Assets Fund Balance$33,783,084$35,780,024▲ $1,996,940
Total Liabilities and Net Assets / Fund Balance$243,670,703$258,982,107▲ $15,311,404

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,640,073$742,179$6,382,252
Land$866,658-$866,658
Equipment$348,681$493,575$842,256
Other Land Buildings$240,916$362,749$603,665
Investment Program Related Org$1,887,970--
Other Securities$7,980,144--
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Danny L WollinPresidentCEOFT$201,953$74,598$276,551
Cathy BecksExecutive Vice PresidentFT$168,169$62,147$230,316
Michael J McMullenVP of LendingFT$113,533$47,151$160,684
Kaylynn C NackersVP of OperationsFT$109,587$31,686$141,273
Joan EickDirector-$717-$717

Board Members and Trustees

NameTitle
Jim ZittlowChair
Marlis KlimekVice-Chair
Al JamirDirector
Craig KosbabDirector
Jeff BurichDirector
Karen SylvesterSecretary
Jerry KuschelTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,003,491
Investment Income
$820,475
Other Revenue
$8,404
Change in Net Assets
$2,173,909
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,324,027
Salaries, Compensation, and Employee Benefits$3,334,434
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,931,898
Other Expenses-$791,060-$791,060
Current Officers, Directors, Trustees, and Key Employees---$658,833
Other Employee Benefits---$391,817
Advertising---$371,372
Depreciation Depletion---$310,255
Information Technology---$305,217
Office Expenses---$283,512
Occupancy---$213,180
Payroll Taxes---$185,790
Pension Plan Contributions---$166,096
Conferences and Meetings---$118,922
Fees for Services Other---$77,964
Insurance---$53,203
Payments to Affiliates---$49,935
All Other Expenses---$28,054
Travel---$18,861
Fees for Services Legal---$2,550
Fees for Services Accounting---$-7,025
Total Functional Expenses$0$0$0$8,658,461
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$216,691,331
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
Yes
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 supervisory examiners and compensation committee”

Other officer or key employee compensation Part VI line 15B

“Reviewed by supervisory examiners and compensation committee”

Governing documents etc available to public Part VI line 19

“Financial Statements are available to all members at our Annual Meeting in the Annual Report booklet, and year end financials are posted in the lobby at both branches. 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
2019-05-13
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
51
Volunteers
7

Preparer

Firm
WCUL Services Corp
Address
1 E Main Street Suite 101, Madison, WI 53703
Preparer
Cari Thompson
Phone
6086404040
Supplemental Narrative

Additional Explanations

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

“Added a prize linked savings account / Implemented palm vein biometrics internally and will also roll that out to members in 2019 / Did a core data processing change from an in-house system with Fiserv CUSA to Fiserv Portico, which is now a service bureau environment for us.”

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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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IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01239000
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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
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt05000000
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IRS990/NetAssetsOrFundBalancesEOYAmt035780024
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt03360
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt03360
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt07800
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt07800
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-176969
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0213180
IRS990/OfficeExpensesGrp/TotalAmt0283512
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0447361
IRS990/OtherAssetsTotalGrp/EOYAmt0546810
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0391817
IRS990/OtherExpensesGrp/Desc0Dividends on Shares
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Member AcctCard Fees
IRS990/OtherExpensesGrp/Desc3Loan Servicing Exp
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt02386602
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1-117100
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2437465
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3791060
IRS990/OtherExpensesGrp/TotalAmt02386602
IRS990/OtherExpensesGrp/TotalAmt1-117100
IRS990/OtherExpensesGrp/TotalAmt2437465
IRS990/OtherExpensesGrp/TotalAmt3791060
IRS990/OtherLiabilitiesGrp/BOYAmt0198565300
IRS990/OtherLiabilitiesGrp/EOYAmt0216691331
IRS990/OtherSalariesAndWagesGrp/TotalAmt01931898
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0195430284
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0216316481
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt049935
IRS990/PayrollTaxesGrp/TotalAmt0185790
IRS990/PensionPlanContributionsGrp/TotalAmt0166096
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0242518
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0183787
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/RelatedOrExemptFuncIncomeAmt08641763
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11361728
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08641763
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11361728
IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 12,893 members at 12/31/18. During 2018, we opened 1,845 new deposit, transaction and investment accounts.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0772360
IRS990/PYOtherExpensesAmt04353464
IRS990/PYOtherRevenueAmt08504
IRS990/PYProgramServiceRevenueAmt09129112
IRS990/PYRevenuesLessExpensesAmt02513681
IRS990/PYSalariesCompEmpBnftPaidAmt03042831
IRS990/PYTotalExpensesAmt07396295
IRS990/PYTotalRevenueAmt09909976
IRS990/ReconcilationRevenueExpnssAmt02173909
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt07800
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt0604
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0604
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt033783084
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt035780024
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018812654
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014899770
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt05640073
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0742179
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06382252
IRS990ScheduleD/EquipmentGrp/BookValueAmt0348681
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0493575
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0842256
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0807078
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt11887970
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CCCU MCS & PCC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NCUA
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt0866658
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0866658
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0240916
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0362749
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0603665
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0216691331
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Share & Deposits
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07980144
IRS990ScheduleD/OtherSecuritiesGrp/Desc0New York Life
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07096328
IRS990ScheduleD/TotalBookValueProgramRltdAmt02695048
IRS990ScheduleD/TotalBookValueSecuritiesAmt07980144
IRS990ScheduleD/TotalLiabilityAmt0216691331
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0168169
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1201953
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2113533
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount028922
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount131504
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt014754
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt116818
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt28545
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017794
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt122908
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt238204
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0677
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt13368
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2402
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Cathy Becks
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Danny L Wollin
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2Michael J McMullen
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Executive Vice President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1PresidentCEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VP of Lending
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0230316
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1276551
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2160684
IRS990ScheduleJ/SeverancePaymentInd0false
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 supervisory examiners and compensation committee
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Reviewed by supervisory examiners and compensation committee
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financial Statements are available to all members at our Annual Meeting in the Annual Report booklet, and year end financials are posted in the lobby at both branches. All others would be considered upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Added a prize linked savings account / Implemented palm vein biometrics internally and will also roll that out to members in 2019 / Did a core data processing change from an in-house system with Fiserv CUSA to Fiserv Portico, which is now a service bureau environment for us.
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0true
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0243670703
IRS990/TotalAssetsEOYAmt0258982107
IRS990/TotalAssetsGrp/BOYAmt0243670703
IRS990/TotalAssetsGrp/EOYAmt0258982107
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt051
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt08658461
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0209887619
IRS990/TotalLiabilitiesEOYAmt0223202083
IRS990/TotalLiabilitiesGrp/BOYAmt0209887619

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$258,982,107
Liabilities
$223,202,083
Net assets
$35,780,024
Revenue
$10,832,370
Expenses
$8,658,461
Net income
$2,173,909
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