Civic Intelligence

1 St Community Credit Union

EIN 39-6049882 • 501(c)14 • Sparta, WI

Profile

To function as a member-owned, not-for-profit financial cooperative.

1000 W Wisconsin Street PO Box 167Sparta, WI 54656

www.1stccu.com

Siviq Scores

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

Liabilities / Assets

75th percentile

0.91x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2021

Liabilities / Revenue

79th percentile

19.88x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2021

Net Margin

55th percentile

13%

Higher net margin than 55% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

96th percentile

15%

Faster asset growth than 96% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2021

Revenue Growth

23rd percentile

7.0%

Faster revenue growth than 23% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2021

Balance Sheet
Liabilities / Assets75th percentile

Assets

Down

$266,506,560

Down $7,564,021 (-2.8%) from 2023

Liabilities

Down

$243,383,541

Down $9,556,361 (-3.8%) from 2023

Net Assets

Up

$23,123,019

Up $1,992,340 (+9.4%) from 2023

Operations
Liabilities / Revenue79th percentileNet Margin55th percentile

Revenue

Up

$17,514,479

Up $2,984,536 (+21%) from 2023

Expenses

Up

$15,405,124

Up $2,021,307 (+15%) from 2023

Net Income

Up

$2,109,355

Up $963,229 (+84%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth96th percentile

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

$300M$200M$100M$0Assets 2010: $102,791,402Liabilities 2010: $93,468,664Net Assets 2010: $9,322,7382010Assets 2011: $105,594,577Liabilities 2011: $95,488,030Net Assets 2011: $10,106,5472011Assets 2012: $116,119,936Liabilities 2012: $105,004,294Net Assets 2012: $11,115,6422012Assets 2013: $117,291,868Liabilities 2013: $105,599,168Net Assets 2013: $11,692,7002013Assets 2014: $122,420,730Liabilities 2014: $110,168,805Net Assets 2014: $12,251,9252014Assets 2015: $128,229,632Liabilities 2015: $115,062,724Net Assets 2015: $13,166,9082015Assets 2016: $141,790,404Liabilities 2016: $127,710,532Net Assets 2016: $14,079,8722016Assets 2017: $153,128,048Liabilities 2017: $137,920,479Net Assets 2017: $15,207,5692017Assets 2018: $169,904,232Liabilities 2018: $153,472,464Net Assets 2018: $16,431,7682018Assets 2019: $169,733,263Liabilities 2019: $151,967,703Net Assets 2019: $17,765,5602019Assets 2020: $205,616,019Liabilities 2020: $187,131,344Net Assets 2020: $18,484,6752020Assets 2021: $223,297,257Liabilities 2021: $203,623,236Net Assets 2021: $19,674,0212021Assets 2022: $254,992,758Liabilities 2022: $234,868,290Net Assets 2022: $20,124,4682022Assets 2023: $274,070,581Liabilities 2023: $252,939,902Net Assets 2023: $21,130,6792023Assets 2024: $266,506,560Liabilities 2024: $243,383,541Net Assets 2024: $23,123,0192024

Highlighted filing

2024

Assets$266,506,560
Liabilities$243,383,541
Net Assets$23,123,019
Open 2024 Filing

Operations Trend

Revenue Growth23rd percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $4,640,9292010Expenses 2011: $4,535,3502011Expenses 2012: $4,361,6492012Revenue 2013: $5,038,684Expenses 2013: $4,461,626Net Income 2013: $577,0582013Revenue 2014: $5,036,958Expenses 2014: $4,477,733Net Income 2014: $559,2252014Revenue 2015: $5,449,578Expenses 2015: $4,534,595Net Income 2015: $914,9832015Revenue 2016: $6,085,001Expenses 2016: $5,172,037Net Income 2016: $912,9642016Revenue 2017: $7,155,462Expenses 2017: $5,957,853Net Income 2017: $1,197,6092017Revenue 2018: $8,058,897Expenses 2018: $6,774,259Net Income 2018: $1,284,6382018Revenue 2019: $8,954,959Expenses 2019: $7,527,599Net Income 2019: $1,427,3602019Revenue 2020: $9,246,293Expenses 2020: $8,328,445Net Income 2020: $917,8482020Revenue 2021: $10,243,774Expenses 2021: $8,942,492Net Income 2021: $1,301,2822021Revenue 2022: $10,965,703Expenses 2022: $10,106,697Net Income 2022: $859,0062022Revenue 2023: $14,529,943Expenses 2023: $13,383,817Net Income 2023: $1,146,1262023Revenue 2024: $17,514,479Expenses 2024: $15,405,124Net Income 2024: $2,109,3552024

Highlighted filing

2024

Revenue$17,514,479
Expenses$15,405,124
Net Income$2,109,355
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$266,506,560
Liabilities
$243,383,541
Net assets
$23,123,019
Revenue
$17,514,479
Expenses
$15,405,124
Net income
$2,109,355
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$267$243$23.1$17.5$15.4$2.11
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$274$253$21.1$14.5$13.4$1.15
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$255$235$20.1$11.0$10.1$0.86
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$223$204$19.7$10.2$8.94$1.30
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$206$187$18.5$9.25$8.33$0.92
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$170$152$17.8$8.95$7.53$1.43
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$170$153$16.4$8.06$6.77$1.28
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$153$138$15.2$7.16$5.96$1.20
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$142$128$14.1$6.09$5.17$0.91
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$128$115$13.2$5.45$4.53$0.91
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$122$110$12.3$5.04$4.48$0.56
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$117$106$11.7$5.04$4.46$0.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$116$105$11.1$4.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$106$95.5$10.1$4.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$103$93.5$9.32$4.64
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
Jul 20, 2022
Return Version
2021v4.2
Gross Receipts
$10,337,697
Mission and Program Overview

Mission

To function as a member-owned, not-for-profit financial cooperative.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$145,398,387$170,481,062▲ $25,082,675
Investments Other Securities$40,705,347$29,358,326▼ $11,347,021
Rtn Earn Endowment Incm Other Fnds$18,484,675$19,674,021▲ $1,189,346
Savings and Temporary Cash Investments$6,466,000$9,986,532▲ $3,520,532
Land, Buildings, and Equipment, Net$6,621,069$7,179,900▲ $558,831
Cash and Non-Interest-Bearing Accounts$3,040,754$2,519,916▼ $520,838
Prepaid Expenses and Deferred Charges$484,644$665,823▲ $181,179
Accounts Receivable$384,799$288,791▼ $96,008
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$205,616,019$223,297,257▲ $17,681,238
Other Assets Total$2,515,019$2,816,907▲ $301,888
Liabilities
Other Liabilities$181,435,011$198,547,321▲ $17,112,310
Accounts Payable and Accrued Expenses$5,670,472$5,058,221▼ $612,251
Deferred Revenue$25,861$17,694▼ $8,167
Total Liabilities$187,131,344$203,623,236▲ $16,491,892
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,484,675$19,674,021▲ $1,189,346
Total Liabilities and Net Assets / Fund Balance$205,616,019$223,297,257▲ $17,681,238

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,783,071$1,330,419$6,113,490
Land$1,836,644-$1,836,644
Equipment$551,710$1,222,636$1,774,346
Leasehold Improvements$8,475$1,639$10,114
Other Securities$1,486,634--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brad BaugesPresident/CEOFT$246,052$29,362$275,414
Diana MackVP OperationsFT$105,344$16,536$121,880
Krista WilsonVP of LendingFT$97,904$21,555$119,459
Sandra AndersonVP Human ResourceFT$94,352$21,430$115,782
Wendy SwansonVP or FinanceFT$94,780$20,229$115,009
Mike LorenzVP Member ExperienceFT$89,398$20,999$110,397

Board Members and Trustees

NameTitle
Wendy WhiteheadChairperson
Mark MulderVice Chairperson
Doug BillingsDirector
Joe BellingDirector
Phil YahnkeDirector
Terri LenselinkSecretary
Scott HerrmanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,305,954
Investment Income
$937,820
Other Revenue
$0
Change in Net Assets
$1,301,282
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$4,388,734
Other Expenses$3,668,158
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,746,868
Benefits to Members---$885,600
Current Officers, Directors, Trustees, and Key Employees---$857,941
Fees for Services Other---$620,501
Information Technology---$552,069
Interest---$525,335
Other Employee Benefits---$407,111
Occupancy---$371,738
Advertising---$277,148
Payroll Taxes---$257,537
Office Expenses---$244,411
Depreciation Depletion---$215,067
Pension Plan Contributions---$119,277
Conferences and Meetings---$67,960
Fees for Services Accounting---$57,813
Payments to Affiliates---$38,916
Insurance---$37,744
Other Expenses---$29,370
All Other Expenses---$21,643
Travel---$12,253
Fees for Services Legal---$7,063
Total Functional Expenses$0$0$0$8,942,492
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
Share Deposits$198,547,321
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
Yes
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

“Depositors of credit union are members”

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

“The board of directors are elected by the voting members each year.”

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

“The decisions of the organization are approved by the board of directors.”

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

“The organization provided the information necessary to the accounting firm to prepare the form 990. The form 990 was then given to management for review and board approval prior to filing it with the irs.”

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

“The conflict of interest form is filled out annually by each employee. These are monitored by the human resources director.”

Form 990, Part VI, Section B, Line 15

“The board of directors determines the compensation for the president using comparability studies. Compensation for all other key employees is determined by the president using similar methods.”

Form 990, Part VI, Section C, Line 19

“The organization's records are kept at the credit union for public inspection and members are advised to request these documents at the annual meeting.”

Filing and Contact Details

Filer

Filer Name
1st Community Credit Union
EIN
39-6049882
Phone
6082698121
Address
1000 W WISCONSIN STREET PO BOX 167, SPARTA, WI 54656

Signing Officer

Name
Wendy Swanson
Title
VP Finance
Phone
6083662304
Signed
2022-07-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Wendy Swanson
Formed
1961
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
82
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
435 JULIE STREET PO BOX 547, TOMAH, WI 54660
Preparer
Daniel Lueck
Phone
6083722177
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING 1.”

Raw XML AppendixShowing 400 of 455 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/BOYAmt05670472
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt05058221
IRS990/AccountsReceivableGrp/BOYAmt0384799
IRS990/AccountsReceivableGrp/EOYAmt0288791
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0STATE CHARTERED CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt0277148
IRS990/AllOtherExpensesGrp/TotalAmt021643
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt0885600
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0WENDY SWANSON
IRS990/BooksInCareOfDetail/PhoneNum06083662304
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01000 W WISCONSIN STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPARTA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054656
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt03040754
IRS990/CashNonInterestBearingGrp/EOYAmt02519916
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0857941
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt067960
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt0885600
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0937820
IRS990/CYOtherExpensesAmt03668158
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt09305954
IRS990/CYRevenuesLessExpensesAmt01301282
IRS990/CYSalariesCompEmpBnftPaidAmt04388734
IRS990/CYTotalExpensesAmt08942492
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt010243774
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt025861
IRS990/DeferredRevenueGrp/EOYAmt017694
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0215067
IRS990/Desc0A COOPERATIVE, NONPROFIT 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
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt082
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt057813
IRS990/FeesForServicesLegalGrp/TotalAmt07063
IRS990/FeesForServicesOtherGrp/TotalAmt0620501
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
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/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt729362
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt816536
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt921555
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1021430
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1120229
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1220999
IRS990/Form990PartVIISectionAGrp/PersonNm0WENDY WHITEHEAD
IRS990/Form990PartVIISectionAGrp/PersonNm1MARK MULDER
IRS990/Form990PartVIISectionAGrp/PersonNm2TERRI LENSELINK
IRS990/Form990PartVIISectionAGrp/PersonNm3SCOTT HERRMAN
IRS990/Form990PartVIISectionAGrp/PersonNm4JOE BELLING
IRS990/Form990PartVIISectionAGrp/PersonNm5DOUG BILLINGS
IRS990/Form990PartVIISectionAGrp/PersonNm6PHIL YAHNKE
IRS990/Form990PartVIISectionAGrp/PersonNm7BRAD BAUGES
IRS990/Form990PartVIISectionAGrp/PersonNm8DIANA MACK
IRS990/Form990PartVIISectionAGrp/PersonNm9KRISTA WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm10SANDRA ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm11WENDY SWANSON
IRS990/Form990PartVIISectionAGrp/PersonNm12MIKE LORENZ
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7246052
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8105344
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt997904
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1094352
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1194780
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1289398
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP HUMAN RESOURCE
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OR FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP MEMBER EXPERIENCE
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01961
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt029577
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0123500
IRS990/GrossReceiptsAmt010337697
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0552069
IRS990/InsuranceGrp/TotalAmt037744
IRS990/InterestGrp/TotalAmt0525335
IRS990/InvestmentIncomeGrp/ExclusionAmt0908243
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0908243
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt040705347
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt029358326
IRS990/IRPDocumentCnt061
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02554694
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06621069
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07179900
IRS990/LandBldgEquipCostOrOtherBssAmt09734594
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt093923
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO FUNCTION AS A MEMBER-OWNED, NOT-FOR-PROFIT FINANCIAL COOPERATIVE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt018484675
IRS990/NetAssetsOrFundBalancesEOYAmt019674021
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt029577
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt029577
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-111937
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0371738
IRS990/OfficeExpensesGrp/TotalAmt0244411
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02515019
IRS990/OtherAssetsTotalGrp/EOYAmt02816907
IRS990/OtherChangesInNetAssetsAmt01
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0407111
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1BANK SERVICE CHARGES
IRS990/OtherExpensesGrp/Desc2MISC EXPENSE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt0494547
IRS990/OtherExpensesGrp/TotalAmt150249
IRS990/OtherExpensesGrp/TotalAmt244331
IRS990/OtherExpensesGrp/TotalAmt329370
IRS990/OtherLiabilitiesGrp/BOYAmt0181435011
IRS990/OtherLiabilitiesGrp/EOYAmt0198547321
IRS990/OtherSalariesAndWagesGrp/TotalAmt02746868
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0145398387
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0170481062
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt038916
IRS990/PayrollTaxesGrp/TotalAmt0257537
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0119277
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0484644
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0665823
IRS990/PrincipalOfficerNm0WENDY SWANSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06603379
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11501847
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2798293
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3397899
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06603379
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11506383
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2798293
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3397899
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt04536
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01189345
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0764015
IRS990/PYOtherExpensesAmt03096942
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt08482278
IRS990/PYRevenuesLessExpensesAmt0917848
IRS990/PYSalariesCompEmpBnftPaidAmt04042158
IRS990/PYTotalExpensesAmt08328445
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09246293
IRS990/ReconcilationRevenueExpnssAmt01301282
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt018484675
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt019674021
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06466000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09986532
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04783071
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01330419
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06113490
IRS990ScheduleD/EquipmentGrp/BookValueAmt0551710
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01222636
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01774346
IRS990ScheduleD/LandGrp/BookValueAmt01836644
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01836644
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt08475
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01639
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt010114
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0198547321
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0508818
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1266200
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22938060
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt323137541
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt41021073
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt51486634
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CCU PIC
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CCU PLATEAU ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3SBA INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4AGENCY CALLABLE
IRS990ScheduleD/OtherSecuritiesGrp/Desc5BANK NOTE INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07179900
IRS990ScheduleD/TotalBookValueSecuritiesAmt029358326
IRS990ScheduleD/TotalLiabilityAmt0198547321
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0246052
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt012374
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt016988
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BRAD BAUGES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0275414
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DEPOSITORS OF CREDIT UNION ARE MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE VOTING MEMBERS EACH YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE DECISIONS OF THE ORGANIZATION ARE APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION PROVIDED THE INFORMATION NECESSARY TO THE ACCOUNTING FIRM TO PREPARE THE FORM 990. THE FORM 990 WAS THEN GIVEN TO MANAGEMENT FOR REVIEW AND BOARD APPROVAL PRIOR TO FILING IT WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CONFLICT OF INTEREST FORM IS FILLED OUT ANNUALLY BY EACH EMPLOYEE. THESE ARE MONITORED BY THE HUMAN RESOURCES DIRECTOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS DETERMINES THE COMPENSATION FOR THE PRESIDENT USING COMPARABILITY STUDIES. COMPENSATION FOR ALL OTHER KEY EMPLOYEES IS DETERMINED BY THE PRESIDENT USING SIMILAR METHODS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION'S RECORDS ARE KEPT AT THE CREDIT UNION FOR PUBLIC INSPECTION AND MEMBERS ARE ADVISED TO REQUEST THESE DOCUMENTS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ROUNDING 1.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0205616019
IRS990/TotalAssetsEOYAmt0223297257
IRS990/TotalAssetsGrp/BOYAmt0205616019
IRS990/TotalAssetsGrp/EOYAmt0223297257
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt082
IRS990/TotalFunctionalExpensesGrp/TotalAmt08942492
IRS990/TotalGrossUBIAmt04536
IRS990/TotalLiabilitiesBOYAmt0187131344
IRS990/TotalLiabilitiesEOYAmt0203623236
IRS990/TotalLiabilitiesGrp/BOYAmt0187131344
IRS990/TotalLiabilitiesGrp/EOYAmt0203623236
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt018484675
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt019674021
IRS990/TotalOtherCompensationAmt0130111

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