Civic Intelligence

Ripple Credit Union

990 • Fiscal year 2017 • EIN 39-0992061

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 13, 2018

PO Box 2346Oshkosh, WI 54903-2346

(920) 233-1140

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.90x

Higher debt load relative to assets than 73% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

38th percentile

17.30x

Higher debt load relative to revenue than 38% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

85th percentile

17%

Higher net margin than 85% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

44th percentile

$71,725

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 8.2% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

56th percentile

2.0%

Faster asset growth than 56% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

94th percentile

17%

Faster revenue growth than 94% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Assets

$16,821,905

No earlier filing loaded for comparison.

Net Assets

$1,745,244

No earlier filing loaded for comparison.

Liabilities

$15,076,661

No earlier filing loaded for comparison.

Revenue

$871,700

No earlier filing loaded for comparison.

Expenses

$725,494

No earlier filing loaded for comparison.

Net Income

$146,206

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$40M$30M$20M$10M$0Assets 2010: $13,518,015Liabilities 2010: $12,555,199Net Assets 2010: $962,8162010Assets 2011: $13,166,937Liabilities 2011: $12,135,698Net Assets 2011: $1,031,2392011Assets 2012: $13,649,029Liabilities 2012: $12,559,574Net Assets 2012: $1,089,4552012Assets 2013: $13,393,162Liabilities 2013: $12,170,049Net Assets 2013: $1,223,1132013Assets 2014: $13,380,730Liabilities 2014: $12,128,134Net Assets 2014: $1,252,5962014Assets 2015: $15,695,128Liabilities 2015: $14,150,388Net Assets 2015: $1,544,7402015Assets 2017: $16,821,905Liabilities 2017: $15,076,661Net Assets 2017: $1,745,2442017Assets 2018: $17,761,083Liabilities 2018: $15,733,186Net Assets 2018: $2,027,8972018Assets 2019: $20,129,284Liabilities 2019: $17,720,763Net Assets 2019: $2,408,5212019Assets 2020: $25,337,183Liabilities 2020: $22,566,230Net Assets 2020: $2,770,9532020Assets 2024: $35,727,612Liabilities 2024: $30,931,250Net Assets 2024: $4,796,3622024

Highlighted filing

2017

Assets$16,821,905
Liabilities$15,076,661
Net Assets$1,745,244

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $637,1992010Revenue 2011: $679,555Expenses 2011: $611,132Net Income 2011: $68,4232011Expenses 2012: $581,7232012Revenue 2013: $692,706Expenses 2013: $559,048Net Income 2013: $133,6582013Revenue 2014: $641,152Expenses 2014: $611,669Net Income 2014: $29,4832014Revenue 2015: $682,228Expenses 2015: $705,331Net Income 2015: -$23,1032015Revenue 2017: $871,700Expenses 2017: $725,494Net Income 2017: $146,2062017Revenue 2018: $1,096,804Expenses 2018: $814,151Net Income 2018: $282,6532018Revenue 2019: $1,314,857Expenses 2019: $934,233Net Income 2019: $380,6242019Revenue 2020: $1,429,173Expenses 2020: $1,066,741Net Income 2020: $362,4322020Revenue 2024: $2,361,545Expenses 2024: $1,769,812Net Income 2024: $591,7332024

Highlighted filing

2017

Revenue$871,700
Expenses$725,494
Net Income$146,206
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 13, 2018
Return Version
2017v2.2
Gross Receipts
$871,700
Mission and Program Overview

Mission

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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,169,062$13,703,214▲ $2,534,152
Savings and Temporary Cash Investments$4,170,750$2,045,205▼ $2,125,545
Rtn Earn Endowment Incm Other Fnds$1,599,038$1,745,244▲ $146,206
Cash and Non-Interest-Bearing Accounts$546,220$465,294▼ $80,926
Land, Buildings, and Equipment, Net$426,063$401,284▼ $24,779
Investments Program Related$141,329$148,609▲ $7,280
Prepaid Expenses and Deferred Charges$20,990$28,060▲ $7,070
Accounts Receivable$-10,079$-5,576▲ $4,503
Total Assets$16,484,917$16,821,905▲ $336,988
Other Assets Total$20,582$35,815▲ $15,233
Liabilities
Other Liabilities$14,866,651$15,041,649▲ $174,998
Accounts Payable and Accrued Expenses$19,228$35,012▲ $15,784
Total Liabilities$14,885,879$15,076,661▲ $190,782
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,599,038$1,745,244▲ $146,206
Total Liabilities and Net Assets / Fund Balance$16,484,917$16,821,905▲ $336,988

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$239,274$42,275$281,549
Other Land Buildings$21,343$153,999$175,342
Land$132,000-$132,000
Equipment$8,667$92,047$100,714
Investment Program Related Org$148,609--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rita VoightPresidentFT$71,459$266$71,725

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$827,613
Investment Income
$40,514
Other Revenue
$3,573
Change in Net Assets
$146,206
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$387,153
Salaries, Compensation, and Employee Benefits$338,341
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$238,051
Office Expenses---$97,619
Information Technology---$44,876
Current Officers, Directors, Trustees, and Key Employees---$42,339
Payroll Taxes---$29,194
Other Employee Benefits---$26,047
Occupancy---$25,809
Depreciation Depletion---$24,779
All Other Expenses---$16,793
Other Expenses-$13,447-$13,447
Insurance---$10,357
Payments to Affiliates---$9,867
Conferences and Meetings---$9,220
Advertising---$7,341
Fees for Services Accounting---$3,890
Pension Plan Contributions---$2,710
Fees for Services Legal---$2,333
Interest---$60
Total Functional Expenses$0$0$0$725,494
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
Member Shares & Deposits$15,040,263
Accrued Dividends$1,386
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

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

Form 990 is provided to the board of directors and approved at our next scheduled board meeting.

Conflict of interest policy compliance Part VI line 12C

Annual review.

CEO executive director top management comp Part VI line 15A

The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce

Other officer or key employee compensation Part VI line 15B

The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce

Governing documents etc available to public Part VI line 19

Available at annual meeting and upon request.

Filing and Contact Details

Filer

Filer Name
Health Care Credit Union
EIN
39-0992061
Address
PO BOX 2346, Oshkosh, WI 54903-2346

Signing Officer

Name
Derek Groth
Title
Financial Analy
Phone
9202331140
Signed
2018-11-13
Discuss with paid preparer
No

Organization Details

Principal Officer
Rita Voight
Formed
1960
Legal Domicile
Wi
Voting Board Members
6
Independent Board Members
6
Employees
13
Volunteers
9

Preparer

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

Additional Explanations

Unrelated business income explanation Part V line 3B

Extension filed for the Form 990-T

Raw XML Appendix396 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt019228
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt035012
IRS990/AccountsReceivableGrp/BOYAmt0-10079
IRS990/AccountsReceivableGrp/EOYAmt0-5576
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To 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/TotalAmt07341
IRS990/AllOtherExpensesGrp/TotalAmt016793
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Derek Groth
IRS990/BooksInCareOfDetail/PhoneNum09202331140
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 2346
IRS990/BooksInCareOfDetail/USAddress/CityNm0Oshkosh
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0549032346
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0546220
IRS990/CashNonInterestBearingGrp/EOYAmt0465294
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt042339
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt09220
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt040514
IRS990/CYOtherExpensesAmt0387153
IRS990/CYOtherRevenueAmt03573
IRS990/CYProgramServiceRevenueAmt0827613
IRS990/CYRevenuesLessExpensesAmt0146206
IRS990/CYSalariesCompEmpBnftPaidAmt0338341
IRS990/CYTotalExpensesAmt0725494
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0871700
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt024779
IRS990/Desc0We funded 416 loans during 2017. As of 12/31/17, we had 28 mortgages/home equity lines, and 388 consumer loans.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt013
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt03890
IRS990/FeesForServicesLegalGrp/TotalAmt02333
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/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt9266
IRS990/Form990PartVIISectionAGrp/PersonNm0Elizabeth Cummings
IRS990/Form990PartVIISectionAGrp/PersonNm1Paula Pedretti
IRS990/Form990PartVIISectionAGrp/PersonNm2Ted Bowen
IRS990/Form990PartVIISectionAGrp/PersonNm3Sandy Koch
IRS990/Form990PartVIISectionAGrp/PersonNm4Kim Jones Verstegen
IRS990/Form990PartVIISectionAGrp/PersonNm5Sue Hammerseng
IRS990/Form990PartVIISectionAGrp/PersonNm6Terry Goodermuth
IRS990/Form990PartVIISectionAGrp/PersonNm7Cheryl Minerath
IRS990/Form990PartVIISectionAGrp/PersonNm8Geoff Anderson
IRS990/Form990PartVIISectionAGrp/PersonNm9Rita Voight
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt971459
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/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9President
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr01960
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0871700
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InformationTechnologyGrp/TotalAmt044876
IRS990/InsuranceGrp/TotalAmt010357
IRS990/InterestGrp/TotalAmt060
IRS990/InvestmentIncomeGrp/ExclusionAmt040514
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt040514
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0141329
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0148609
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0288321
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0426063
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0401284
IRS990/LandBldgEquipCostOrOtherBssAmt0689605
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To 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/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01599038
IRS990/NetAssetsOrFundBalancesEOYAmt01745244
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt025809
IRS990/OfficeExpensesGrp/TotalAmt097619
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt020582
IRS990/OtherAssetsTotalGrp/EOYAmt035815
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt026047
IRS990/OtherExpensesGrp/Desc0Dividends to Members
IRS990/OtherExpensesGrp/Desc1Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc2Member AccountCard Fees
IRS990/OtherExpensesGrp/Desc3Loan Servicing
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt015291
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt135500
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt269971
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt313447
IRS990/OtherExpensesGrp/TotalAmt015291
IRS990/OtherExpensesGrp/TotalAmt135500
IRS990/OtherExpensesGrp/TotalAmt269971
IRS990/OtherExpensesGrp/TotalAmt313447
IRS990/OtherLiabilitiesGrp/BOYAmt014866651
IRS990/OtherLiabilitiesGrp/EOYAmt015041649
IRS990/OtherSalariesAndWagesGrp/TotalAmt0238051
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011169062
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013703214
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt09867
IRS990/PayrollTaxesGrp/TotalAmt029194
IRS990/PensionPlanContributionsGrp/TotalAmt02710
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt020990
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt028060
IRS990/PrincipalOfficerNm0Rita Voight
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2519100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Other Member Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Non-Member ATM
IRS990/ProgramServiceRevenueGrp/Desc3Non-Member Check Cashng
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0630097
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1195513
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0630097
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1195513
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21998
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01998
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt15
IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 2430 members at 12/31. During 2017, we opened 143 new deposit, transaction and investment accounts.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt031965
IRS990/PYOtherExpensesAmt0329238
IRS990/PYOtherRevenueAmt04534
IRS990/PYProgramServiceRevenueAmt0705787
IRS990/PYRevenuesLessExpensesAmt054298
IRS990/PYSalariesCompEmpBnftPaidAmt0358750
IRS990/PYTotalExpensesAmt0687988
IRS990/PYTotalRevenueAmt0742286
IRS990/ReconcilationRevenueExpnssAmt0146206
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt03573
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt03573
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01599038
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01745244
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04170750
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02045205
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0239274
IRS990ScheduleD/BuildingsGrp/DepreciationAmt042275
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0281549
IRS990ScheduleD/EquipmentGrp/BookValueAmt08667
IRS990ScheduleD/EquipmentGrp/DepreciationAmt092047
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0100714
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0148609
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0132000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0132000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt021343
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0153999
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0175342
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015040263
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11386
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0401284
IRS990ScheduleD/TotalBookValueProgramRltdAmt0148609
IRS990ScheduleD/TotalLiabilityAmt015041649
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Extension filed for the Form 990-T
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The 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/ExplanationTxt2The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Each 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/ExplanationTxt4Form 990 is provided to the board of directors and approved at our next scheduled board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annual review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Available at annual meeting and upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Unrelated business income explanation Part V line 3b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt016484917
IRS990/TotalAssetsEOYAmt016821905
IRS990/TotalAssetsGrp/BOYAmt016484917
IRS990/TotalAssetsGrp/EOYAmt016821905
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0725494
IRS990/TotalGrossUBIAmt02003
IRS990/TotalLiabilitiesBOYAmt014885879
IRS990/TotalLiabilitiesEOYAmt015076661
IRS990/TotalLiabilitiesGrp/BOYAmt014885879
IRS990/TotalLiabilitiesGrp/EOYAmt015076661
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01599038
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01745244
IRS990/TotalOtherCompensationAmt0266
IRS990/TotalProgramServiceRevenueAmt0827613
IRS990/TotalReportableCompFromOrgAmt071459
IRS990/TotalRevenueGrp/ExclusionAmt044087
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0825610
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0871700
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02003
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016484917
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016821905
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.healthcarecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Derek Groth
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Financial Analy
ReturnHeader/BusinessOfficerGrp/PhoneNum09202331140
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Health Care Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0HEAL
ReturnHeader/Filer/EIN0390992061
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 2346
ReturnHeader/Filer/USAddress/CityNm0Oshkosh
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd0549032346
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392018317w00c2kz
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02018-11-13
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt065.30.128.241
ReturnHeader/FilingSecurityInformation/IPDt02018-11-13
ReturnHeader/FilingSecurityInformation/IPTm022:41:16
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01 E Main Street Suite 101
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Madison
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053703
ReturnHeader/PreparerPersonGrp/PhoneNum06086404040
ReturnHeader/PreparerPersonGrp/PreparationDt02018-11-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02018-11-13T21:29:40-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.7$30.9$4.80$2.36$1.77$0.59
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.3$22.6$2.77$1.43$1.07$0.36
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.1$17.7$2.41$1.31$0.93$0.38
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.8$15.7$2.03$1.10$0.81$0.28
2017Detailed filing. Detailed filing data is available for this year.$16.8$15.1$1.75$0.87$0.73$0.15
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.7$14.2$1.54$0.68$0.71$0.02
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.4$12.1$1.25$0.64$0.61$0.03
2013Detailed filing. Detailed filing data is available for this year.$13.4$12.2$1.22$0.69$0.56$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.6$12.6$1.09$0.58
2011Summary only. Only limited summary data is available for this year.$13.2$12.1$1.03$0.68$0.61$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.5$12.6$0.96$0.64