Civic Intelligence

Arcadia Credit Union

EIN 39-1081863 • 501(c)14 • Arcadia, WI

Profile

We strive to provide our members with quality service, low/no fees, and great rates.

PO Box 187Arcadia, WI 54612

www.arcadiacu.com

Siviq Scores

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

Liabilities / Assets

28th percentile

0.87x

Higher debt load relative to assets than 28% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

50th percentile

15.14x

Higher debt load relative to revenue than 50% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Net Margin

81st percentile

21%

Higher net margin than 81% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Top Officer Pay

86th percentile

$368,233

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Asset Growth

83rd percentile

7.8%

Faster asset growth than 83% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

37th percentile

11%

Faster revenue growth than 37% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Using 2022 Form 990 data because the latest 2024 filing does not report standard financial totals.

Assets

Up

$115,271,165

Up $5,620,531 (+5.1%) from 2021

Liabilities

Up

$101,346,340

Up $4,636,562 (+4.8%) from 2021

Net Assets

Up

$13,924,825

Up $983,969 (+7.6%) from 2021

Revenue

Up

$4,580,474

Up $533,171 (+13%) from 2021

Expenses

Up

$3,596,505

Up $394,235 (+12%) from 2021

Net Income

Up

$983,969

Up $138,936 (+16%) from 2021

Trend Graphs

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2010: $57,567,271Liabilities 2010: $51,816,188Net Assets 2010: $5,751,0832010Assets 2011: $57,696,213Liabilities 2011: $51,225,857Net Assets 2011: $6,470,3562011Assets 2012: $62,831,368Liabilities 2012: $55,720,795Net Assets 2012: $7,110,5732012Assets 2013: $63,383,816Liabilities 2013: $55,696,480Net Assets 2013: $7,687,3362013Assets 2014: $69,291,068Liabilities 2014: $61,046,830Net Assets 2014: $8,244,2382014Assets 2015: $67,781,974Liabilities 2015: $58,951,286Net Assets 2015: $8,830,6882015Assets 2016: $71,559,370Liabilities 2016: $62,187,299Net Assets 2016: $9,372,0712016Assets 2017: $74,811,047Liabilities 2017: $64,874,849Net Assets 2017: $9,936,1982017Assets 2018: $75,787,655Liabilities 2018: $65,184,155Net Assets 2018: $10,603,5002018Assets 2019: $84,738,273Liabilities 2019: $73,324,662Net Assets 2019: $11,413,6112019Assets 2020: $96,545,820Liabilities 2020: $84,449,997Net Assets 2020: $12,095,8232020Assets 2021: $109,650,634Liabilities 2021: $96,709,778Net Assets 2021: $12,940,8562021Assets 2022: $115,271,165Liabilities 2022: $101,346,340Net Assets 2022: $13,924,8252022

Latest loaded filing

2022

Assets$115,271,165
Liabilities$101,346,340
Net Assets$13,924,825

Operations Trend

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,876,7022010Expenses 2011: $2,647,7632011Expenses 2012: $2,559,7582012Revenue 2013: $3,106,609Expenses 2013: $2,530,530Net Income 2013: $576,0792013Revenue 2014: $3,152,780Expenses 2014: $2,597,658Net Income 2014: $555,1222014Revenue 2015: $3,150,305Expenses 2015: $2,563,855Net Income 2015: $586,4502015Revenue 2016: $3,272,303Expenses 2016: $2,730,920Net Income 2016: $541,3832016Revenue 2017: $3,515,156Expenses 2017: $2,951,029Net Income 2017: $564,1272017Revenue 2018: $3,653,833Expenses 2018: $2,986,531Net Income 2018: $667,3022018Revenue 2019: $3,887,047Expenses 2019: $3,076,937Net Income 2019: $810,1102019Revenue 2020: $3,935,822Expenses 2020: $3,253,610Net Income 2020: $682,2122020Revenue 2021: $4,047,303Expenses 2021: $3,202,270Net Income 2021: $845,0332021Revenue 2022: $4,580,474Expenses 2022: $3,596,505Net Income 2022: $983,9692022

Latest loaded filing

2022

Revenue$4,580,474
Expenses$3,596,505
Net Income$983,969

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
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.$115$101$13.9$4.58$3.60$0.98
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$96.7$12.9$4.05$3.20$0.85
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$96.5$84.4$12.1$3.94$3.25$0.68
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.7$73.3$11.4$3.89$3.08$0.81
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.8$65.2$10.6$3.65$2.99$0.67
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.8$64.9$9.94$3.52$2.95$0.56
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.6$62.2$9.37$3.27$2.73$0.54
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$67.8$59.0$8.83$3.15$2.56$0.59
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$69.3$61.0$8.24$3.15$2.60$0.56
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$63.4$55.7$7.69$3.11$2.53$0.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.8$55.7$7.11$2.56
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.7$51.2$6.47$2.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.6$51.8$5.75$2.88
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2021 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 6, 2022
Return Version
2021v4.2
Gross Receipts
$4,047,303
Mission and Program Overview

Mission

We strive to provide our members with quality service, low/no fees, and great rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$71,175,499$79,069,164▲ $7,893,665
Rtn Earn Endowment Incm Other Fnds$12,095,823$12,940,856▲ $845,033
Savings and Temporary Cash Investments$10,548,550$12,571,306▲ $2,022,756
Investments Other Securities$5,499,959$8,497,959▲ $2,998,000
Land, Buildings, and Equipment, Net$1,626,362$1,529,477▼ $96,885
Cash and Non-Interest-Bearing Accounts$755,255$703,739▼ $51,516
Accounts Receivable$93,090$84,236▼ $8,854
Prepaid Expenses and Deferred Charges$81,526$60,743▼ $20,783
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$96,545,820$109,650,634▲ $13,104,814
Other Assets Total$6,765,579$7,134,010▲ $368,431
Liabilities
Other Liabilities$83,529,338$95,711,237▲ $12,181,899
Accounts Payable and Accrued Expenses$920,659$998,541▲ $77,882
Total Liabilities$84,449,997$96,709,778▲ $12,259,781
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,095,823$12,940,856▲ $845,033
Total Liabilities and Net Assets / Fund Balance$96,545,820$109,650,634▲ $13,104,814

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,142,844$547,585$1,690,429
Equipment$354,133$340,163$694,296
Land$32,500-$32,500
Other Land Buildings$0$21,849$21,849
Other Assets Org$2,260--
Other Securities$2,000,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michele RoeslerPresidentFT$140,000$127,214$267,214
Ivan PronschinskeChairman-$3,118-$3,118
Robert BraunVice-chair-$3,018-$3,018
Carol WineskiSecretary-$2,143-$2,143
John T SlabyTreasurer-$1,918-$1,918
Bruce SchweisthalDirector-$1,518-$1,518
Joseph HainesDirector-$1,518-$1,518
Dale HowardDirector-$1,418-$1,418
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,001,261
Investment Income
$46,042
Other Revenue
$0
Change in Net Assets
$845,033
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,614,069
Other Expenses$1,588,201
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$865,760
Other Employee Benefits---$292,751
Current Officers, Directors, Trustees, and Key Employees---$281,865
Office Expenses---$174,158
Advertising---$151,495
Information Technology---$139,080
Depreciation Depletion---$118,802
All Other Expenses---$117,066
Pension Plan Contributions---$92,716
Payroll Taxes---$80,977
Other Expenses---$80,806
Occupancy---$78,430
Insurance---$42,235
Conferences and Meetings---$42,197
Fees for Services Other---$25,074
Fees for Services Accounting---$21,878
Interest---$1
Total Functional Expenses$0$0$0$3,202,270
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
Shares and Deposits$95,711,237
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 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 a regulatory agency (i.e. Ncua, wisconsin office of credit unions).

Form 990, Part VI, Section B, Line 11B

A copy of the 990 is reviewed and approved by the board of directors before it is filed by the irs.

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

No director, officer, committee member, agent or employee of this credit union shall in any manner, directly or indirectly, participate in the deliberation upon or the determination of any question affecting his or her pecuniary or personal interest or the pecuniary interest of any organization or association in which the person is directly or indirectly interested. In the event of disqualification of any director or member of the credit committee respecting any matter presented to the board or credit committee for deliberation or determination, such director or committee member shall withdraw from the deliberation or determination. If a director or credit committee member withdraws from any deliberation or determination, the remaining qualified directors or credit committee members present at the meeting may exercise all powers of the board or credit committee, provided the number of directors or credit committee members present, including the disqualified directors or members, constitutes a quorum.

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

The board of directors review and approve ceo compensation based on salary surveys.

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents available upon request.

Filing and Contact Details

Filer

Filer Name
Arcadia Credit Union
EIN
39-1081863
Phone
6083232126
Address
PO BOX 187, ARCADIA, WI 54612

Signing Officer

Name
Michele Roesler
Title
President
Phone
6083232126
Signed
2022-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michele Roesler
Formed
1963
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
28
Volunteers
7

Preparer

Firm
Wipfli Llp
Address
PO BOX 8010, WAUSAU, WI 54402-8010
Preparer
Mary a Coates CPA
Phone
7158453111
Raw XML Appendix399 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/BOYAmt0920659
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0998541
IRS990/AccountsReceivableGrp/BOYAmt093090
IRS990/AccountsReceivableGrp/EOYAmt084236
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WE STRIVE TO PROVIDE OUR MEMBERS WITH QUALITY SERVICE, LOW/NO FEES, AND GREAT RATES.
IRS990/AdvertisingGrp/TotalAmt0151495
IRS990/AllOtherExpensesGrp/TotalAmt0117066
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MICHELE ROESLER PRESIDENT
IRS990/BooksInCareOfDetail/PhoneNum06083232126
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0535 S DETTLOFF DR
IRS990/BooksInCareOfDetail/USAddress/CityNm0ARCADIA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054612
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0755255
IRS990/CashNonInterestBearingGrp/EOYAmt0703739
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0281865
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt042197
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt046042
IRS990/CYOtherExpensesAmt01588201
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt04001261
IRS990/CYRevenuesLessExpensesAmt0845033
IRS990/CYSalariesCompEmpBnftPaidAmt01614069
IRS990/CYTotalExpensesAmt03202270
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04047303
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0118802
IRS990/Desc0WE FUNDED 1,021 LOANS DURING 2021. AS OF 12/31/21, WE HAD 660 MORTGAGES/HOME EQUITY LINES, 1,301 CONSUMER LOANS, AND 101 MEMBER BUSINESS LOANS. WE ALSO HAD 792 CREDIT CARD ACCOUNTS WITH OUR MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt028
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt021878
IRS990/FeesForServicesOtherGrp/TotalAmt025074
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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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/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt7115857
IRS990/Form990PartVIISectionAGrp/PersonNm0IVAN PRONSCHINSKE
IRS990/Form990PartVIISectionAGrp/PersonNm1ROBERT BRAUN
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN T SLABY
IRS990/Form990PartVIISectionAGrp/PersonNm3CAROL WINESKI
IRS990/Form990PartVIISectionAGrp/PersonNm4JOSEPH HAINES
IRS990/Form990PartVIISectionAGrp/PersonNm5DALE HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm6BRUCE SCHWEISTHAL
IRS990/Form990PartVIISectionAGrp/PersonNm7MICHELE ROESLER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt03118
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13018
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21918
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
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IRS990/InterestGrp/TotalAmt01
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt046042
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt01529477
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IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE STRIVE TO PROVIDE OUR MEMBERS WITH QUALITY SERVICE, LOW/NO FEES, AND GREAT RATES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt012095823
IRS990/NetAssetsOrFundBalancesEOYAmt012940856
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt078430
IRS990/OfficeExpensesGrp/TotalAmt0174158
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06765579
IRS990/OtherAssetsTotalGrp/EOYAmt07134010
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0292751
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON MEMBER SHA
IRS990/OtherExpensesGrp/Desc1CREDIT CARD FEES
IRS990/OtherExpensesGrp/Desc2LOAN & CLOSING COSTS
IRS990/OtherExpensesGrp/TotalAmt0326812
IRS990/OtherExpensesGrp/TotalAmt1270167
IRS990/OtherExpensesGrp/TotalAmt280806
IRS990/OtherLiabilitiesGrp/BOYAmt083529338
IRS990/OtherLiabilitiesGrp/EOYAmt095711237
IRS990/OtherSalariesAndWagesGrp/TotalAmt0865760
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt071175499
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt079069164
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt080977
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt092716
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt081526
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt060743
IRS990/PrincipalOfficerNm0MICHELE ROESLER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03568683
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1420176
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03568683
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1432578
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt012402
IRS990/ProgSrvcAccomActy2Grp/Desc0WE HAVE DEPOSIT, TRANSACTION, AND INVESTMENT ACCOUNTS WITH 6,143 MEMBERS AT 12/31/21. DURING 2021, WE OPENED 1154 NEW DEPOSIT, TRANSACTION AND INVESTMENT ACCOUNTS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt096102
IRS990/PYOtherExpensesAmt01661143
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03839720
IRS990/PYRevenuesLessExpensesAmt0682212
IRS990/PYSalariesCompEmpBnftPaidAmt01592467
IRS990/PYTotalExpensesAmt03253610
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03935822
IRS990/ReconcilationRevenueExpnssAmt0845033
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012095823
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012940856
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010548550
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012571306
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01142844
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0547585
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01690429
IRS990ScheduleD/EquipmentGrp/BookValueAmt0354133
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0340163
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0694296
IRS990ScheduleD/LandGrp/BookValueAmt032500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt032500
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0823177
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt16308573
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt22260
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUA SHARE INSURANCE CAPITALIZATION DEPOSITS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NEW YORK LIFE INSURANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ALL OTHER ASSETS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt021849
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt021849
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt095711237
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt04723000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11490000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2284959
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt32000000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1LOANS TO AND INVESTMENTS IN NATURAL PERSON CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2PEREPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc3ALL OTHER INVESTMENTS IN CORPORATE CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01529477
IRS990ScheduleD/TotalBookValueOtherAssetsAmt07134010
IRS990ScheduleD/TotalBookValueSecuritiesAmt08497959
IRS990ScheduleD/TotalLiabilityAmt095711237
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0140000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount08168
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0100407
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015450
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt03189
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHELE ROESLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0267214
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0MICHELE ROESLER PARTICIPATES IN A 457(F) PLAN WITH THE CREDIT UNION. IN 2021, THERE WERE NO PAYMENTS FROM THE PLAN. DURING 2021, THE CREDIT UNION DEFERRED $85,254 TO THIS PLAN AND IS REFLECTED ON SCHEDULE J PART II COLUMN C.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
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 A REGULATORY AGENCY (I.E. NCUA, WISCONSIN OFFICE OF CREDIT UNIONS).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF THE 990 IS REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS BEFORE IT IS FILED BY THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO DIRECTOR, OFFICER, COMMITTEE MEMBER, AGENT OR EMPLOYEE OF THIS CREDIT UNION SHALL IN ANY MANNER, DIRECTLY OR INDIRECTLY, PARTICIPATE IN THE DELIBERATION UPON OR THE DETERMINATION OF ANY QUESTION AFFECTING HIS OR HER PECUNIARY OR PERSONAL INTEREST OR THE PECUNIARY INTEREST OF ANY ORGANIZATION OR ASSOCIATION IN WHICH THE PERSON IS DIRECTLY OR INDIRECTLY INTERESTED. IN THE EVENT OF DISQUALIFICATION OF ANY DIRECTOR OR MEMBER OF THE CREDIT COMMITTEE RESPECTING ANY MATTER PRESENTED TO THE BOARD OR CREDIT COMMITTEE FOR DELIBERATION OR DETERMINATION, SUCH DIRECTOR OR COMMITTEE MEMBER SHALL WITHDRAW FROM THE DELIBERATION OR DETERMINATION. IF A DIRECTOR OR CREDIT COMMITTEE MEMBER WITHDRAWS FROM ANY DELIBERATION OR DETERMINATION, THE REMAINING QUALIFIED DIRECTORS OR CREDIT COMMITTEE MEMBERS PRESENT AT THE MEETING MAY EXERCISE ALL POWERS OF THE BOARD OR CREDIT COMMITTEE, PROVIDED THE NUMBER OF DIRECTORS OR CREDIT COMMITTEE MEMBERS PRESENT, INCLUDING THE DISQUALIFIED DIRECTORS OR MEMBERS, CONSTITUTES A QUORUM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEW AND APPROVE CEO COMPENSATION BASED ON SALARY SURVEYS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS 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/TotalAssetsBOYAmt096545820
IRS990/TotalAssetsEOYAmt0109650634
IRS990/TotalAssetsGrp/BOYAmt096545820
IRS990/TotalAssetsGrp/EOYAmt0109650634
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt028
IRS990/TotalFunctionalExpensesGrp/TotalAmt03202270
IRS990/TotalGrossUBIAmt012402
IRS990/TotalLiabilitiesBOYAmt084449997
IRS990/TotalLiabilitiesEOYAmt096709778
IRS990/TotalLiabilitiesGrp/BOYAmt084449997
IRS990/TotalLiabilitiesGrp/EOYAmt096709778
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012095823
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012940856
IRS990/TotalOtherCompensationAmt0115857
IRS990/TotalProgramServiceRevenueAmt04001261
IRS990/TotalReportableCompFromOrgAmt0166008
IRS990/TotalRevenueGrp/ExclusionAmt046042
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03988859
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04047303
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt012402
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt096545820
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0109650634
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 187
IRS990/USAddress/CityNm0ARCADIA
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054612
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.ARCADIACU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHELE ROESLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06083232126
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-05-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ARCADIA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ARCA
ReturnHeader/Filer/EIN0391081863
ReturnHeader/Filer/PhoneNum06083232126
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 187
ReturnHeader/Filer/USAddress/CityNm0ARCADIA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054612
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0390758449
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WIPFLI LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 8010
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WAUSAU
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0544028010
ReturnHeader/PreparerPersonGrp/PhoneNum07158453111
ReturnHeader/PreparerPersonGrp/PreparationDt02022-05-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARY A COATES CPA
ReturnHeader/ReturnTs02022-05-10T08:10:29-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0MICHELE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0ROESLER
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

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