Civic Intelligence

Golden Rule Community Credit Union

EIN 39-1018715 • 501(c)14 • Ripon, WI

View Organization Page

Profile

Golden rule community credit union provides quality products and services to meet the changing financial needs of our members by treating people according to the golden rule; by helping others develop; by pursuing excellence and by growing financially.

PO Box 97Ripon, WI 54971

www.goldenrulecu.org

Siviq Scores

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

Liabilities / Assets

64th percentile

0.89x

Higher debt load relative to assets than 64% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

55th percentile

16.42x

Higher debt load relative to revenue than 55% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

80th percentile

22%

Higher net margin than 80% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

88th percentile

$190,061

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 8.7% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

47th percentile

0.5%

Faster asset growth than 47% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

37th percentile

4.9%

Faster revenue growth than 37% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets64th percentile

Assets

$40,542,049

No earlier filing loaded for comparison.

Liabilities

$36,030,114

No earlier filing loaded for comparison.

Net Assets

$4,511,935

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue55th percentileNet Margin80th percentile

Revenue

$2,194,339

No earlier filing loaded for comparison.

Expenses

$1,717,606

No earlier filing loaded for comparison.

Net Income

$476,733

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

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

$60M$40M$20M$0Assets 2010: $27,023,456Liabilities 2010: $25,072,969Net Assets 2010: $1,950,4872010Assets 2011: $28,712,044Liabilities 2011: $26,576,692Net Assets 2011: $2,135,3522011Assets 2012: $31,302,171Liabilities 2012: $28,939,395Net Assets 2012: $2,362,7762012Assets 2013: $27,184,983Liabilities 2013: $25,186,288Net Assets 2013: $1,998,6952013Assets 2015: $27,148,163Liabilities 2015: $25,016,683Net Assets 2015: $2,131,4802015Assets 2016: $27,384,404Liabilities 2016: $25,179,833Net Assets 2016: $2,204,5712016Assets 2017: $27,325,145Liabilities 2017: $25,035,870Net Assets 2017: $2,289,2752017Assets 2018: $27,980,814Liabilities 2018: $25,438,592Net Assets 2018: $2,542,2222018Assets 2019: $31,079,044Liabilities 2019: $28,241,088Net Assets 2019: $2,837,9562019Assets 2020: $35,898,944Liabilities 2020: $32,919,800Net Assets 2020: $2,979,1442020Assets 2021: $40,945,561Liabilities 2021: $37,737,994Net Assets 2021: $3,207,5672021Assets 2022: $42,032,673Liabilities 2022: $38,627,323Net Assets 2022: $3,405,3502022Assets 2024: $40,542,049Liabilities 2024: $36,030,114Net Assets 2024: $4,511,9352024

Highlighted filing

2024

Assets$40,542,049
Liabilities$36,030,114
Net Assets$4,511,935
Open 2024 Filing

Operations Trend

Revenue Growth37th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,612,3112010Expenses 2011: $1,429,7932011Expenses 2012: $1,384,3662012Revenue 2013: $1,448,241Expenses 2013: $1,812,322Net Income 2013: -$364,0812013Revenue 2015: $1,211,924Expenses 2015: $1,181,149Net Income 2015: $30,7752015Revenue 2016: $1,254,667Expenses 2016: $1,181,576Net Income 2016: $73,0912016Revenue 2017: $1,291,207Expenses 2017: $1,206,503Net Income 2017: $84,7042017Revenue 2018: $1,507,020Expenses 2018: $1,254,073Net Income 2018: $252,9472018Revenue 2019: $1,640,668Expenses 2019: $1,344,930Net Income 2019: $295,7382019Revenue 2020: $1,508,852Expenses 2020: $1,367,663Net Income 2020: $141,1892020Revenue 2021: $1,467,500Expenses 2021: $1,239,077Net Income 2021: $228,4232021Revenue 2022: $1,592,423Expenses 2022: $1,394,640Net Income 2022: $197,7832022Revenue 2024: $2,194,339Expenses 2024: $1,717,606Net Income 2024: $476,7332024

Highlighted filing

2024

Revenue$2,194,339
Expenses$1,717,606
Net Income$476,733
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$40,542,049
Liabilities
$36,030,114
Net assets
$4,511,935
Revenue
$2,194,339
Expenses
$1,717,606
Net income
$476,733
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.5$36.0$4.51$2.19$1.72$0.48
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.0$38.6$3.41$1.59$1.39$0.20
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.9$37.7$3.21$1.47$1.24$0.23
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.9$32.9$2.98$1.51$1.37$0.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.1$28.2$2.84$1.64$1.34$0.30
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.0$25.4$2.54$1.51$1.25$0.25
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$27.3$25.0$2.29$1.29$1.21$0.08
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.4$25.2$2.20$1.25$1.18$0.07
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.1$25.0$2.13$1.21$1.18$0.03
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2013Detailed filing. Detailed filing data is available for this year.$27.2$25.2$2.00$1.45$1.81$0.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.3$28.9$2.36$1.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.7$26.6$2.14$1.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.0$25.1$1.95$1.61
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 2, 2025
Return Version
2024v5.1
Gross Receipts
$2,194,339
Mission and Program Overview

Mission

Golden rule community credit union provides quality products and services to meet the changing financial needs of our members by treating people according to the golden rule; by helping others develop; by pursuing excellence and by growing financially.

Golden rule community credit union provides quality products and services to meet the changing financial needs of our members by treating people according to the "golden rule; by helping others develop; by pursuing excellence and by growing financially.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$19,947,285$17,210,285▼ $2,737,000
Other Notes and Loans Receivable, Net$14,137,898$12,494,061▼ $1,643,837
Savings and Temporary Cash Investments$4,067,339$7,846,668▲ $3,779,329
Rtn Earn Endowment Incm Other Fnds$4,035,202$4,511,935▲ $476,733
Cash and Non-Interest-Bearing Accounts$834,768$1,692,063▲ $857,295
Land, Buildings, and Equipment, Net$658,484$652,904▼ $5,580
Accounts Receivable$123,383$115,443▼ $7,940
Prepaid Expenses and Deferred Charges$89,081$79,932▼ $9,149
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$40,325,410$40,542,049▲ $216,639
Other Assets Total$467,172$450,693▼ $16,479
Liabilities
Other Liabilities$35,667,275$35,524,233▼ $143,042
Accounts Payable and Accrued Expenses$622,933$505,881▼ $117,052
Total Liabilities$36,290,208$36,030,114▼ $260,094
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,035,202$4,511,935▲ $476,733
Total Liabilities and Net Assets / Fund Balance$40,325,410$40,542,049▲ $216,639

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$367,056$452,247$819,303
Equipment$65,848$410,617$476,465
Land$220,000-$220,000
Other Securities$29,400--
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Daniel IgePresident/CEO/treasurerFT$148,739$41,322$190,061

Board Members and Trustees

NameTitle
Bryan FritschChairman
Kim ShadyVice-chair
Gary BergerDirector
Gary BornDirector
Tom HenkenDirector
John LongshineSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,003,186
Investment Income
$1,191,153
Other Revenue
$0
Change in Net Assets
$476,733
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$856,770
Salaries, Compensation, and Employee Benefits$776,071
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$454,681
Information Technology---$259,724
Current Officers, Directors, Trustees, and Key Employees---$190,061
Benefits to Members---$84,765
Other Employee Benefits---$76,626
Payroll Taxes---$51,303
Office Expenses---$46,438
All Other Expenses---$46,029
Depreciation Depletion---$43,965
Occupancy---$41,939
Other Expenses---$35,158
Advertising---$29,636
Fees for Services Accounting---$27,060
Fees for Services Other---$26,138
Insurance---$21,626
Conferences and Meetings---$13,933
Travel---$3,777
Pension Plan Contributions---$3,400
Total Functional Expenses$0$0$0$1,717,606
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$35,524,233
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, 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).”

Form 990, Part VI, Section A, Line 7A

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

Form 990, Part VI, Section A, Line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the board as outlined in the organization's 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, Part VI, Section B, Line 11B

“The form 990 is reviewed by the president/ceo. A copy of the form 990 is provided to all board members as it has been filed.”

Form 990, Part VI, Section B, Line 12C

“Employees and volunteer directors are covered under the policy. Directors determine whether a conflict exists for the president/ceo. The president/ceo determines whether a conflict exists for the employees. The directors and the president/ceo determine whether a conflict exists for directors. Employees are prohibited from doing transactions on their own accounts. Officials and directors should not seek nor accept a position of responsibility for an organization that competes with the credit union.”

Form 990, Part VI, Section B, Line 15A

“Compensation for the ceo is determined by the board of directors. Credit union surveys are also evaluated. The ceo determines the compensation for other officers of the credit union.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy, and financial statements are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Golden Rule Community Credit Union
EIN
39-1018715
Phone
9207485336
Address
PO BOX 97, RIPON, WI 54971

Signing Officer

Name
Daniel Ige
Title
President & CEO
Phone
9207485336
Signed
2025-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Daniel Ige
Formed
1938
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
6
Employees
23
Volunteers
6

Preparer

Firm
Wipfli Llp
Address
1502 LONDON ROAD SUITE 200, DULUTH, MN 55812
Preparer
Michael J Peterson CPA
Phone
2187224705
Raw XML Appendix385 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0622933
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0505881
IRS990/AccountsReceivableGrp/BOYAmt0123383
IRS990/AccountsReceivableGrp/EOYAmt0115443
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0GOLDEN RULE COMMUNITY CREDIT UNION PROVIDES QUALITY PRODUCTS AND SERVICES TO MEET THE CHANGING FINANCIAL NEEDS OF OUR MEMBERS BY TREATING PEOPLE ACCORDING TO THE "GOLDEN RULE; BY HELPING OTHERS DEVELOP; BY PURSUING EXCELLENCE AND BY GROWING FINANCIALLY.
IRS990/AdvertisingGrp/TotalAmt029636
IRS990/AllOtherExpensesGrp/TotalAmt046029
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BenefitsToMembersGrp/TotalAmt084765
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0DANIEL IGE
IRS990/BooksInCareOfDetail/PhoneNum09207485336
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 97
IRS990/BooksInCareOfDetail/USAddress/CityNm0RIPON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054971
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0834768
IRS990/CashNonInterestBearingGrp/EOYAmt01692063
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0190061
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt013933
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt084765
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01191153
IRS990/CYOtherExpensesAmt0856770
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01003186
IRS990/CYRevenuesLessExpensesAmt0476733
IRS990/CYSalariesCompEmpBnftPaidAmt0776071
IRS990/CYTotalExpensesAmt01717606
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02194339
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt043965
IRS990/Desc0WE FUNDED 259 LOANS DURING 2024. AS OF 12/31/24, WE HAD 109 MORTGAGES/HOME EQUITY LINES AND 748 CONSUMER LOANS. WE ALSO HAD 669 CREDIT CARD ACCOUNTS WITH OUR MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt023
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt027060
IRS990/FeesForServicesOtherGrp/TotalAmt026138
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IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
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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/OtherCompensationAmt029874
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0DANIEL IGE
IRS990/Form990PartVIISectionAGrp/PersonNm1BRYAN FRITSCH
IRS990/Form990PartVIISectionAGrp/PersonNm2KIM SHADY
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN LONGSHINE
IRS990/Form990PartVIISectionAGrp/PersonNm4GARY BERGER
IRS990/Form990PartVIISectionAGrp/PersonNm5GARY BORN
IRS990/Form990PartVIISectionAGrp/PersonNm6TOM HENKEN
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
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IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/FSAuditedInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
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IRS990/InvestmentInJointVentureInd00
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IRS990/IRPDocumentW2GCnt00
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0GOLDEN RULE COMMUNITY CREDIT UNION PROVIDES QUALITY PRODUCTS AND SERVICES TO MEET THE CHANGING FINANCIAL NEEDS OF OUR MEMBERS BY TREATING PEOPLE ACCORDING TO THE "GOLDEN RULE; BY HELPING OTHERS DEVELOP; BY PURSUING EXCELLENCE AND BY GROWING FINANCIALLY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt04511935
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/TotalAmt046438
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0467172
IRS990/OtherAssetsTotalGrp/EOYAmt0450693
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt076626
IRS990/OtherExpensesGrp/Desc0LOAN & CLOSING COSTS
IRS990/OtherExpensesGrp/Desc1CREDIT CARD PROCESSING
IRS990/OtherExpensesGrp/Desc2DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3BAD DEBT EXPENSE
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IRS990/OtherExpensesGrp/TotalAmt1104701
IRS990/OtherExpensesGrp/TotalAmt238824
IRS990/OtherExpensesGrp/TotalAmt335158
IRS990/OtherLiabilitiesGrp/BOYAmt035667275
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014137898
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt012494061
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt051303
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt03400
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt089081
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt079932
IRS990/PrincipalOfficerNm0DANIEL IGE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOAN
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INSURANCE SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0825888
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1132195
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt243957
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0825888
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1132461
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt243957
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0266
IRS990/ProgSrvcAccomActy2Grp/Desc0WE HAVE DEPOSIT, TRANSACTION, AND INVESTMENT ACCOUNTS WITH 3,232 MEMBERS AT 12/31/24. DURING 2024, WE OPENED 286 NEW DEPOSIT, TRANSACTION AND INVESTMENT ACCOUNTS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0963445
IRS990/PYOtherExpensesAmt0833819
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01127461
IRS990/PYRevenuesLessExpensesAmt0687372
IRS990/PYSalariesCompEmpBnftPaidAmt0569715
IRS990/PYTotalExpensesAmt01403534
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02090906
IRS990/ReconcilationRevenueExpnssAmt0476733
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04035202
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04511935
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04067339
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07846668
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0367056
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0452247
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0819303
IRS990ScheduleD/EquipmentGrp/BookValueAmt065848
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0410617
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0476465
IRS990ScheduleD/LandGrp/BookValueAmt0220000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0220000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt035524233
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt063326
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1123559
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt216994000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt329400
IRS990ScheduleD/OtherSecuritiesGrp/Desc0NONPERPETUAL CAPITAL ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc2ALL OTHER INVESTMENTS IN CORPORATE CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0652904
IRS990ScheduleD/TotalBookValueSecuritiesAmt017210285
IRS990ScheduleD/TotalLiabilityAmt035524233
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0148739
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount011448
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt08029
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021845
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DANIEL IGE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO/TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0190061
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0COMPENSATION FOR THE CEO IS DETERMINED BY THE BOARD OF DIRECTORS. CREDIT UNION SURVEYS ARE ALSO EVALUATED. THE CEO DETERMINES THE COMPENSATION FOR OTHER OFFICERS OF THE CREDIT UNION.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
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 ORGANIZATION'S 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/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE PRESIDENT/CEO. A COPY OF THE FORM 990 IS PROVIDED TO ALL BOARD MEMBERS AS IT HAS BEEN FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEES AND VOLUNTEER DIRECTORS ARE COVERED UNDER THE POLICY. DIRECTORS DETERMINE WHETHER A CONFLICT EXISTS FOR THE PRESIDENT/CEO. THE PRESIDENT/CEO DETERMINES WHETHER A CONFLICT EXISTS FOR THE EMPLOYEES. THE DIRECTORS AND THE PRESIDENT/CEO DETERMINE WHETHER A CONFLICT EXISTS FOR DIRECTORS. EMPLOYEES ARE PROHIBITED FROM DOING TRANSACTIONS ON THEIR OWN ACCOUNTS. OFFICIALS AND DIRECTORS SHOULD NOT SEEK NOR ACCEPT A POSITION OF RESPONSIBILITY FOR AN ORGANIZATION THAT COMPETES WITH THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION FOR THE CEO IS DETERMINED BY THE BOARD OF DIRECTORS. CREDIT UNION SURVEYS ARE ALSO EVALUATED. THE CEO DETERMINES THE COMPENSATION FOR OTHER OFFICERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt040325410
IRS990/TotalAssetsEOYAmt040542049
IRS990/TotalAssetsGrp/BOYAmt040325410
IRS990/TotalAssetsGrp/EOYAmt040542049
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt023
IRS990/TotalFunctionalExpensesGrp/TotalAmt01717606
IRS990/TotalGrossUBIAmt0266
IRS990/TotalLiabilitiesBOYAmt036290208
IRS990/TotalLiabilitiesEOYAmt036030114
IRS990/TotalLiabilitiesGrp/BOYAmt036290208
IRS990/TotalLiabilitiesGrp/EOYAmt036030114
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04035202
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04511935
IRS990/TotalOtherCompensationAmt029874
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0880
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0880
IRS990/TotalProgramServiceRevenueAmt01003186
IRS990/TotalReportableCompFromOrgAmt0160187
IRS990/TotalRevenueGrp/ExclusionAmt01191153
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01002920
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02194339
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0266
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt040325410
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt040542049
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt03777
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 97
IRS990/USAddress/CityNm0RIPON
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054971
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.GOLDENRULECU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DANIEL IGE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09207485336
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GOLDEN RULE COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GOLD
ReturnHeader/Filer/EIN0391018715
ReturnHeader/Filer/PhoneNum09207485336
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 97
ReturnHeader/Filer/USAddress/CityNm0RIPON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054971
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0390758449
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WIPFLI LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01502 LONDON ROAD SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DULUTH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd055812
ReturnHeader/PreparerPersonGrp/PhoneNum02187224705
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL J PETERSON CPA
ReturnHeader/ReturnTs02025-05-12T05:56:11-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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