Civic Intelligence

Stoppenbach Credit Union

EIN 39-6047476 • 501(c)14 • Jefferson, WI

Profile

A cooperative, non-profit corporation, incorporated to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.

318 Wisconsin DriveJefferson, WI 53549

n/A

Siviq Scores

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

Liabilities / Assets

37th percentile

0.77x

Higher debt load relative to assets than 37% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

65th percentile

14.20x

Higher debt load relative to revenue than 65% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Net Margin

44th percentile

-3.5%

Higher net margin than 44% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

43rd percentile

$39,624

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 37.3% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Asset Growth

72nd percentile

-2.5%

Faster asset growth than 72% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

54th percentile

-1.6%

Faster revenue growth than 54% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets37th percentile

Assets

Down

$1,969,586

Down $50,490 (-2.5%) from 2024

Liabilities

Down

$1,508,328

Down $46,727 (-3.0%) from 2024

Net Assets

Down

$461,258

Down $3,763 (-0.8%) from 2024

Operations
Liabilities / Revenue65th percentileNet Margin44th percentile

Revenue

Down

$106,226

Down $1,752 (-1.6%) from 2024

Expenses

Up

$109,989

Up $4,420 (+4.2%) from 2024

Net Income

Down

-$3,763

Down $6,172 (-256%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth72nd percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $1,093,646Liabilities 2010: $725,754Net Assets 2010: $367,8922010Assets 2011: $1,210,067Liabilities 2011: $840,708Net Assets 2011: $369,3592011Assets 2012: $1,199,901Liabilities 2012: $822,799Net Assets 2012: $377,1022012Assets 2013: $1,225,570Liabilities 2013: $844,997Net Assets 2013: $380,5732013Assets 2014: $1,243,335Liabilities 2014: $853,318Net Assets 2014: $390,0172014Assets 2015: $1,295,546Liabilities 2015: $899,051Net Assets 2015: $396,4952015Assets 2016: $1,267,305Liabilities 2016: $867,774Net Assets 2016: $399,5312016Assets 2017: $1,364,194Liabilities 2017: $962,958Net Assets 2017: $401,2362017Assets 2018: $1,378,074Liabilities 2018: $975,527Net Assets 2018: $402,5472018Assets 2019: $1,656,299Liabilities 2019: $1,245,918Net Assets 2019: $410,3812019Assets 2020: $1,732,414Liabilities 2020: $1,312,608Net Assets 2020: $419,8062020Assets 2021: $1,851,147Liabilities 2021: $1,419,354Net Assets 2021: $431,7932021Assets 2022: $1,843,425Liabilities 2022: $1,397,455Net Assets 2022: $445,9702022Assets 2023: $2,007,975Liabilities 2023: $1,551,709Net Assets 2023: $456,2662023Assets 2024: $2,020,076Liabilities 2024: $1,555,055Net Assets 2024: $465,0212024Assets 2025: $1,969,586Liabilities 2025: $1,508,328Net Assets 2025: $461,2582025

Highlighted filing

2025

Assets$1,969,586
Liabilities$1,508,328
Net Assets$461,258
Open 2025 Filing

Operations Trend

Revenue Growth54th percentile

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

$150K$100K$50K$0-$50KExpenses 2010: $71,2642010Expenses 2011: $78,0602011Expenses 2012: $72,7792012Revenue 2013: $75,357Expenses 2013: $71,886Net Income 2013: $3,4712013Revenue 2014: $81,396Expenses 2014: $71,952Net Income 2014: $9,4442014Revenue 2015: $80,040Expenses 2015: $73,562Net Income 2015: $6,4782015Revenue 2016: $71,026Expenses 2016: $67,990Net Income 2016: $3,0362016Revenue 2017: $71,324Expenses 2017: $69,619Net Income 2017: $1,7052017Revenue 2018: $76,130Expenses 2018: $74,819Net Income 2018: $1,3112018Revenue 2019: $89,056Expenses 2019: $81,221Net Income 2019: $7,8352019Revenue 2020: $94,371Expenses 2020: $84,946Net Income 2020: $9,4252020Revenue 2021: $92,183Expenses 2021: $80,196Net Income 2021: $11,9872021Revenue 2022: $96,322Expenses 2022: $82,145Net Income 2022: $14,1772022Revenue 2023: $110,949Expenses 2023: $100,653Net Income 2023: $10,2962023Revenue 2024: $107,978Expenses 2024: $105,569Net Income 2024: $2,4092024Revenue 2025: $106,226Expenses 2025: $109,989Net Income 2025: -$3,7632025

Highlighted filing

2025

Revenue$106,226
Expenses$109,989
Net Income-$3,763
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,969,586
Liabilities
$1,508,328
Net assets
$461,258
Revenue
$106,226
Expenses
$109,989
Net income
-$3,763
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.97$1.51$0.46$0.11$0.11$0.00
2024Detailed filing. Detailed filing data is available for this year.$2.02$1.56$0.47$0.11$0.11$0.00
2023Detailed filing. Detailed filing data is available for this year.$2.01$1.55$0.46$0.11$0.10$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.84$1.40$0.45$0.10$0.08$0.01
2021Detailed filing. Detailed filing data is available for this year.$1.85$1.42$0.43$0.09$0.08$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.73$1.31$0.42$0.09$0.08$0.01
2019Detailed filing. Detailed filing data is available for this year.$1.66$1.25$0.41$0.09$0.08$0.01
2018Detailed filing. Detailed filing data is available for this year.$1.38$0.98$0.40$0.08$0.07$0.00
2017Detailed filing. Detailed filing data is available for this year.$1.36$0.96$0.40$0.07$0.07$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.27$0.87$0.40$0.07$0.07$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.30$0.90$0.40$0.08$0.07$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.24$0.85$0.39$0.08$0.07$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.23$0.84$0.38$0.08$0.07$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.20$0.82$0.38$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.21$0.84$0.37$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.09$0.73$0.37$0.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 13, 2026
Return Version
2025v4.0
Gross Receipts
$106,226
Mission and Program Overview

Mission

A cooperative, non-profit corporation, incorporated to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,398,304$1,364,422▼ $33,882
Savings and Temporary Cash Investments$584,752$566,395▼ $18,357
Rtn Earn Endowment Incm Other Fnds$465,021$461,258▼ $3,763
Investments Program Related$15,060$15,151▲ $91
Cash and Non-Interest-Bearing Accounts$3,117$3,897▲ $780
Prepaid Expenses and Deferred Charges$3,072$3,521▲ $449
Land, Buildings, and Equipment, Net-$458-
Total Assets$2,020,076$1,969,586▼ $50,490
Other Assets Total$15,771$15,742▼ $29
Liabilities
Other Liabilities$1,529,182$1,488,479▼ $40,703
Accounts Payable and Accrued Expenses$25,873$19,849▼ $6,024
Total Liabilities$1,555,055$1,508,328▼ $46,727
Net Assets / Fund Balance
Total Net Assets Fund Balance$465,021$461,258▼ $3,763
Total Liabilities and Net Assets / Fund Balance$2,020,076$1,969,586▼ $50,490

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$458$24,731$25,189
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joetta FurgasonPresidentPT$39,624$39,624

Board Members and Trustees

NameTitle
Kurtis KernanChair
Charles MoehlingVice Chair
Raul GuerraDirector
Lana JilekSecretary
Keith GriepTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$96,231
Investment Income
$9,995
Other Revenue
$0
Change in Net Assets
$-3,763
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$65,160
Salaries, Compensation, and Employee Benefits$44,829
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$39,624
Office Expenses---$9,093
Insurance---$8,109
Occupancy---$5,925
Information Technology---$5,886
Payroll Taxes---$3,186
Other Salaries and Wages---$2,019
Conferences and Meetings---$1,048
Advertising---$518
Other Expenses---$329
Depreciation Depletion---$42
Total Functional Expenses$0$0$0$109,989
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$1,488,479
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 4

“By laws amended to include membership eligibility for members of ufcw local 1473 of jefferson county.”

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

Form 990, Page 6, Part VI, Line 11B

“Management provides data to an independent cpa who completes the return. Management reviews the return and authorizes the preparer to e-file the approved return. Management reviews the return with board of directors at the next regular board meeting.”

Form 990, Page 6, Part VI, Line 15A

“Board vice chair and secretary review and determine president's salary. The compensation is documented in the yearly budget which is approved by the board.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and financial statements are made available to members upon request.”

Filing and Contact Details

Filer

Filer Name
Stoppenbach Credit Union
EIN
39-6047476
Phone
9206742325
Address
318 WISCONSIN DRIVE, JEFFERSON, WI 53549

Signing Officer

Name
Joetta Furgason
Title
President
Phone
9206742325
Signed
2026-03-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joetta Furgason
Formed
1937
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
7

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“A cooperative, non-profit corporation, incorporated to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.”

Raw XML Appendix312 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.

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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COOPERATIVE, NON-PROFIT CORPORATION, INCORPORATED TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BY LAWS AMENDED TO INCLUDE MEMBERSHIP ELIGIBILITY FOR MEMBERS OF UFCW LOCAL 1473 OF JEFFERSON COUNTY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MANAGEMENT PROVIDES DATA TO AN INDEPENDENT CPA WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN AND AUTHORIZES THE PREPARER TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH BOARD OF DIRECTORS AT THE NEXT REGULAR BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD VICE CHAIR AND SECRETARY REVIEW AND DETERMINE PRESIDENT'S SALARY. THE COMPENSATION IS DOCUMENTED IN THE YEARLY BUDGET WHICH IS APPROVED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO MEMBERS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/USAddress/AddressLine1Txt0318 WISCONSIN DRIVE
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0JOETTA FURGASON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09206742325
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STOPPENBACH CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STOP
ReturnHeader/Filer/EIN0396047476
ReturnHeader/Filer/PhoneNum09206742325
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRENT WOOKEY CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 1512
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LA CROSSE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546021512
ReturnHeader/PreparerPersonGrp/PhoneNum06087920843
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-03-23T15:55:48-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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