Liabilities / Assets
76th percentile
Higher debt load relative to assets than 76% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
76th percentile
Higher debt load relative to assets than 76% of similar nonprofits.
Liabilities / Revenue
52nd percentile
Higher debt load relative to revenue than 52% of similar nonprofits.
Net Margin
15th percentile
Higher net margin than 15% of similar nonprofits.
Top Officer Pay
55th percentile
Higher top officer pay than 55% of similar nonprofits.
Top officer pay equals 11.0% of source-year revenue.
Asset Growth
97th percentile
Faster asset growth than 97% of similar nonprofits.
Revenue Growth
80th percentile
Faster revenue growth than 80% of similar nonprofits.
Assets
Up$15,695,128
Up $2,314,398 (+17%) from 2014
Net Assets
Up$1,544,740
Up $292,144 (+23%) from 2014
Liabilities
Up$14,150,388
Up $2,022,254 (+17%) from 2014
Revenue
Up$682,228
Up $41,076 (+6.4%) from 2014
Expenses
Up$705,331
Up $93,662 (+15%) from 2014
Net Income
Down-$23,103
Down $52,586 (-178%) from 2014
To provide appropriate financial services to our members so they may increase their personal financial strength and stability.
To provide appropriate financial services to health care workers who are employed or reside in Winnebago County, Wisconsin, so that they may increase their personal financial strength and stability.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $11,249,589 | $11,456,184 | ▲ $206,595 |
| Savings and Temporary Cash Investments | $1,316,811 | $3,349,419 | ▲ $2,032,608 |
| Rtn Earn Endowment Incm Other Fnds | $1,252,596 | $1,544,740 | ▲ $292,144 |
| Land, Buildings, and Equipment, Net | $453,459 | $437,468 | ▼ $15,991 |
| Cash and Non-Interest-Bearing Accounts | $201,002 | $275,690 | ▲ $74,688 |
| Investments Program Related | $121,292 | $133,037 | ▲ $11,745 |
| Prepaid Expenses and Deferred Charges | $18,458 | $24,188 | ▲ $5,730 |
| Accounts Receivable | $-255 | $68 | ▲ $323 |
| Total Assets | $13,380,730 | $15,695,128 | ▲ $2,314,398 |
| Other Assets Total | $20,374 | $19,074 | ▼ $1,300 |
| Liabilities | |||
| Other Liabilities | $12,109,120 | $14,132,192 | ▲ $2,023,072 |
| Accounts Payable and Accrued Expenses | $19,014 | $18,196 | ▼ $818 |
| Total Liabilities | $12,128,134 | $14,150,388 | ▲ $2,022,254 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,252,596 | $1,544,740 | ▲ $292,144 |
| Total Liabilities and Net Assets / Fund Balance | $13,380,730 | $15,695,128 | ▲ $2,314,398 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $258,376 | $18,926 | $277,302 |
| Other Land Buildings | $38,500 | $129,293 | $167,793 |
| Land | $132,000 | - | $132,000 |
| Equipment | $8,592 | $87,499 | $96,091 |
| Investment Program Related Org | $133,037 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Rita Voight | President | FT | $71,662 | $3,659 | $75,321 |
| Name | Title |
|---|---|
| Elizabeth Cummings | Chairman |
| Ted Bowen | Vice-Chair |
| Cathy Steinert | Director |
| Cheryl Minerath | Director |
| Geoff Anderson | Director |
| Kim Jones Verstegen | Director |
| Sandy Koxh | Director |
| Terry Goodermuth | Director |
| Paula Pedretti | Secretary |
| Sue Hammerseng | Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $378,094 |
| Other Expenses | $327,237 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $240,752 |
| Office Expenses | - | - | - | $76,335 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $71,662 |
| Payroll Taxes | - | - | - | $33,964 |
| Occupancy | - | - | - | $31,636 |
| Depreciation Depletion | - | - | - | $29,622 |
| Other Employee Benefits | - | - | - | $28,441 |
| Information Technology | - | - | - | $27,099 |
| All Other Expenses | - | - | - | $19,385 |
| Insurance | - | - | - | $10,369 |
| Payments to Affiliates | - | - | - | $10,194 |
| Other Expenses | - | $10,091 | - | $10,091 |
| Advertising | - | - | - | $5,198 |
| Conferences and Meetings | - | - | - | $4,163 |
| Pension Plan Contributions | - | - | - | $3,275 |
| Fees for Services Accounting | - | - | - | $2,000 |
| Fees for Services Legal | - | - | - | $1,905 |
| Interest | - | - | - | $364 |
| Total Functional Expenses | $0 | $0 | $0 | $705,331 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares & Deposits | $14,132,117 |
| Accrued Dividends | $75 |
“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).”
“The Board of Directors is elected by the membership utilizing their one vote per member.”
“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 is provided to the board of directors and approved at our next scheduled board meeting.”
“Annual review.”
“The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce”
“The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce”
“Available at annual meeting and upon request.”
“Extension filed for the Form 990-T”
“Equity acquired in merger, net of payables”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 19014 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 18196 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | -255 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 68 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | To provide appropriate financial services to health care workers who are employed or reside in Winnebago County, Wisconsin, so that they may increase their personal financial strength and stability. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 5198 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 19385 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Rita Voight |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9202331140 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 2346 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Oshkosh |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 549032346 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 201002 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 275690 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 71662 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 4163 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 15294 |
| IRS990/CYOtherExpensesAmt | 0 | 327237 |
| IRS990/CYOtherRevenueAmt | 0 | 3924 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 663010 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -23103 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 378094 |
| IRS990/CYTotalExpensesAmt | 0 | 705331 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 682228 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 29622 |
| IRS990/Desc | 0 | We funded 238 loans during 2015. As of 12/31/15, we had 11 mortgages/home equity lines, and 227 consumer loans. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 12 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 2000 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 1905 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 3659 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Elizabeth Cummings |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Cheryl Minerath |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Paula Pedretti |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Geoff Anderson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Ted Bowen |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Cathy Steinert |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Kim Jones Verstegen |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Sandy Koxh |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Sue Hammerseng |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Terry Goodermuth |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Rita Voight |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 71662 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Vice-Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | President |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | false |
| IRS990/FormationYr | 0 | 1960 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 682228 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartVInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 27099 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 10369 |
| IRS990/InterestGrp/TotalAmt | 0 | 364 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 15294 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 15294 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 121292 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 133037 |
| IRS990/IRPDocumentCnt | 0 | 327 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 235718 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 453459 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 437468 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 673186 |
| IRS990/LegalDomicileStateCd | 0 | WI |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | To provide appropriate financial services to health care workers who are employed or reside in Winnebago County, Wisconsin, so that they may increase their personal financial strength and stability. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1252596 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1544740 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 31636 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 76335 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 20374 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 19074 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 315247 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 28441 |
| IRS990/OtherExpensesGrp/Desc | 0 | Dividends to Members |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 2 | Member AccountCard Fees |
| IRS990/OtherExpensesGrp/Desc | 3 | Loan Servicing |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 21911 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 493 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 76472 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 10091 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 21911 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 493 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 76472 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10091 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 12109120 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 14132192 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 240752 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 11249589 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 11456184 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 10194 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 33964 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 3275 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 18458 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 24188 |
| IRS990/PrincipalOfficerNm | 0 | Rita Voight |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 519100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Other Member Fee Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Non-Member ATM |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Investment Referrals |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 520326 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 133020 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 6989 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 520326 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 133020 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 2675 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 6989 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 2675 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | We have deposit, transaction, and investment accounts with 2455 members at 12/31. During 2015, we opened 1042 new deposit, transaction and investment accounts. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 17846 |
| IRS990/PYOtherExpensesAmt | 0 | 281372 |
| IRS990/PYOtherRevenueAmt | 0 | 3270 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 620036 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 29483 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 330297 |
| IRS990/PYTotalExpensesAmt | 0 | 611669 |
| IRS990/PYTotalRevenueAmt | 0 | 641152 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -23103 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 3924 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 3924 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1252596 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1544740 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1316811 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3349419 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 258376 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 18926 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 277302 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 8592 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 87499 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 96091 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 133037 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | NCUA Capitalization |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 132000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 132000 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 38500 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 129293 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 167793 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 14132117 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 75 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares & Deposits |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Accrued Dividends |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 437468 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 133037 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 14132192 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Extension filed for the Form 990-T |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | 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). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The Board of Directors is elected by the membership utilizing their one vote per member. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Form 990 is provided to the board of directors and approved at our next scheduled board meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Annual review. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Available at annual meeting and upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | Equity acquired in merger, net of payables |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Unrelated business income explanation Part V line 3b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Members or stockholder classes and rights Part VI line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Member election for additional members Part VI line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Governing body decisions Part VI line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990 governing body review Part VI line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Conflict of interest policy compliance Part VI line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | CEO executive director top management comp Part VI line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Other officer or key employee compensation Part VI line 15b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Governing documents etc available to public Part VI line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Explanation of other changes in net assets or fund balances Part XI line 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 13380730 |
| IRS990/TotalAssetsEOYAmt | 0 | 15695128 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 13380730 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 15695128 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 12 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 705331 |
| IRS990/TotalGrossUBIAmt | 0 | 2675 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 12128134 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 14150388 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 12128134 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 14150388 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1252596 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1544740 |
| IRS990/TotalOtherCompensationAmt | 0 | 3659 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 663010 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 71662 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 19218 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 660335 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 682228 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 2675 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 13380730 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 15695128 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | www.healthcarecu.org |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2016-12-15 16:53:06Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | false |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Rita Voight |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | President |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9202331140 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-08-12 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Health Care Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | HEAL |
| ReturnHeader/Filer/EIN | 0 | 390992061 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 2346 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Oshkosh |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | WI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 549032346 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 391127312 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | WCUL Services Corp |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | N25W2313 Paul Rd Suite 500 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Pewaukee |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | WI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 53072 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2625490200 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-08-12 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Cari Thompson |
| ReturnHeader/ReturnTs | 0 | 2016-08-12T17:03:24-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
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