Civic Intelligence

Royal Credit Union

990 • Fiscal year 2016 • EIN 39-6072970

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

Organization ProfileWWW.RCU.ORG

View Organization Page

200 Riverfront TerraceEau Claire, WI 54703

(715) 833-8111

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$2,025,441,909

Flat from 2016

Net Assets

Flat

$211,590,734

Flat from 2016

Liabilities

Flat

$1,813,851,175

Flat from 2016

Revenue And Expenses

Revenue

Flat

$99,470,902

Flat from 2016

Expenses

Flat

$79,519,580

Flat from 2016

Net Income

Flat

$19,951,322

Flat from 2016

Historical Trend

Balance Sheet Trend

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

$6.0B$4.0B$2.0B$0Assets 2010: $1,247,936,678Liabilities 2010: $1,143,817,748Net Assets 2010: $104,118,9302010Assets 2011: $1,270,785,081Liabilities 2011: $1,162,142,591Net Assets 2011: $108,642,4902011Assets 2012: $1,295,129,210Liabilities 2012: $1,170,031,657Net Assets 2012: $125,097,5532012Assets 2013: $1,392,362,366Liabilities 2013: $1,236,658,384Net Assets 2013: $155,703,9822013Assets 2014: $1,543,001,886Liabilities 2014: $1,370,487,521Net Assets 2014: $172,514,3652014Assets 2015: $1,711,373,153Liabilities 2015: $1,519,733,740Net Assets 2015: $191,639,4132015Assets 2016: $2,025,441,909Liabilities 2016: $1,813,851,175Net Assets 2016: $211,590,7342016Assets 2016: $2,025,441,909Liabilities 2016: $1,813,851,175Net Assets 2016: $211,590,7342016Assets 2017: $2,211,060,527Liabilities 2017: $1,973,852,838Net Assets 2017: $237,207,6892017Assets 2018: $2,390,524,196Liabilities 2018: $2,129,936,823Net Assets 2018: $260,587,3732018Assets 2019: $2,837,926,175Liabilities 2019: $2,551,352,414Net Assets 2019: $286,573,7612019Assets 2020: $3,465,269,366Liabilities 2020: $3,150,189,725Net Assets 2020: $315,079,6412020Assets 2021: $4,046,275,359Liabilities 2021: $3,664,092,598Net Assets 2021: $382,182,7612021Assets 2022: $4,552,578,835Liabilities 2022: $4,134,659,335Net Assets 2022: $417,919,5002022Assets 2023: $5,178,101,427Liabilities 2023: $4,709,331,756Net Assets 2023: $468,769,6712023Assets 2024: $5,329,096,009Liabilities 2024: $4,806,461,248Net Assets 2024: $522,634,7612024

Highlighted filing

2016

Assets$2,025,441,909
Liabilities$1,813,851,175
Net Assets$211,590,734
Open 2016 Filing

Operations Trend

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

$400M$300M$200M$100M$0Expenses 2010: $81,787,0072010Expenses 2011: $84,422,5912011Revenue 2012: $98,042,191Expenses 2012: $81,587,128Net Income 2012: $16,455,0632012Revenue 2013: $99,897,310Expenses 2013: $69,290,881Net Income 2013: $30,606,4292013Revenue 2014: $86,490,835Expenses 2014: $70,083,794Net Income 2014: $16,407,0412014Revenue 2015: $91,590,327Expenses 2015: $72,465,279Net Income 2015: $19,125,0482015Revenue 2016: $99,470,902Expenses 2016: $79,519,580Net Income 2016: $19,951,3222016Revenue 2016: $99,470,902Expenses 2016: $79,519,580Net Income 2016: $19,951,3222016Revenue 2017: $115,794,366Expenses 2017: $90,177,413Net Income 2017: $25,616,9532017Revenue 2018: $131,746,038Expenses 2018: $108,366,353Net Income 2018: $23,379,6852018Revenue 2019: $153,742,463Expenses 2019: $127,756,075Net Income 2019: $25,986,3882019Revenue 2020: $170,100,476Expenses 2020: $141,594,596Net Income 2020: $28,505,8802020Revenue 2021: $185,328,498Expenses 2021: $120,388,667Net Income 2021: $64,939,8312021Revenue 2022: $198,876,123Expenses 2022: $159,344,082Net Income 2022: $39,532,0412022Revenue 2023: $299,976,577Expenses 2023: $258,380,438Net Income 2023: $41,596,1392023Revenue 2024: $373,611,288Expenses 2024: $323,800,255Net Income 2024: $49,811,0332024

Highlighted filing

2016

Revenue$99,470,902
Expenses$79,519,580
Net Income$19,951,322
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$105,950,839
Mission and Program Overview

Mission

To create a positive impact in the lives we touch.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,470,452,081$1,681,833,954▲ $211,381,873
Rtn Earn Endowment Incm Other Fnds$191,639,413$211,590,734▲ $19,951,321
Cash and Non-Interest-Bearing Accounts$81,409,066$161,996,406▲ $80,587,340
Land, Buildings, and Equipment, Net$36,623,377$40,434,582▲ $3,811,205
Investments Program Related$24,153,693$22,786,777▼ $1,366,916
Accounts Receivable$5,305,009$22,223,329▲ $16,918,320
Savings and Temporary Cash Investments$21,646,000$18,164,621▼ $3,481,379
Intangible Assets$9,044,274$12,698,391▲ $3,654,117
Prepaid Expenses and Deferred Charges$5,709,677$7,659,261▲ $1,949,584
Investments Other Securities$14,044,209$7,006,506▼ $7,037,703
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,711,373,153$2,025,441,909▲ $314,068,756
Other Assets Total$42,985,767$50,638,082▲ $7,652,315
Liabilities
Other Liabilities$1,493,906,562$1,766,961,611▲ $273,055,049
Accounts Payable and Accrued Expenses$25,827,178$46,869,536▲ $21,042,358
Mortgage Notes Payable Secured by Investment Property-$20,028-
Total Liabilities$1,519,733,740$1,813,851,175▲ $294,117,435
Net Assets / Fund Balance
Total Net Assets Fund Balance$191,639,413$211,590,734▲ $19,951,321
Total Liabilities and Net Assets / Fund Balance$1,711,373,153$2,025,441,909▲ $314,068,756

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$26,672,292$14,684,679$41,356,971
Equipment$3,380,093$27,719,824$31,099,917
Land$10,111,023-$10,111,023
Leasehold Improvements$93,660$860,606$954,266
Other Land Buildings$177,514$384,863$562,377
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rodolfo PereiraCEO/presidentFT$533,961$250,399$784,360
Daniel AndersonFinancial ConsultantFT$279,008$41,571$320,579
Jon HehliEvp-CFOFT$189,914$113,972$303,886
Jeffrey SproulMortgage Loan OfficerFT$238,382$39,116$277,498
Brandon RiechersEvp-CLOFT$181,573$85,665$267,238
Jan JohnsonEvp-organizational AgilityFT$177,036$86,717$263,753
Randy BeckEvp-corporate Risk MgmtFT$161,791$89,172$250,963
Peter NoheltyEvp-chief Technology OfficFT$156,221$92,462$248,683
Mathew GerberVP-mortgage Loan SalesFT$191,282$40,107$231,389
David ThoeVP-business Lending ManagerFT$157,268$73,481$230,749
Jared JohnsonMortgage Loan OfficerFT$185,478$34,930$220,408
Amy Forcier-pabstEvp-member ExperienceFT$114,605$73,113$187,718
Douglas OlsonChairmanPT$28,680-$28,680
John SackettTreasurerPT$24,550-$24,550
Jennifer McdonoughSecretaryPT$19,200-$19,200
Thomas HuffcuttVice ChairmanPT$16,170-$16,170
Nancy BeltzDirectorPT$14,295-$14,295
William BlackburnDirectorPT$14,170-$14,170
Stuart SchaeferDirectorPT$12,295-$12,295

Highest Paid Contractors

ContractorServicesLocationCompensation
Greendoor Graphics & AdvertisingProfessional Design Services/media Buyin2726 MONDOVI ROAD, Eau Claire, WI 54701$928,110
Weld Riley S CLegal3624 OAKWOOD HILLS PARKWAY PO BOX, Eau Claire, WI 54702-1030$376,391
Service Solutions INCAtm Maintenance161 BUSINESS PARK CIRCLE, Stoughton, WI 53589$281,145
Howard & Howard Attorneys PllcLegal450 WEST FOURTH STREET, Royal Oak, MI 48067$142,604
Gold Cross Courier Service INCCorporate CourierPO BOX 1245, Eau Claire, WI 54702-1245$138,618
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$96,528,961
Investment Income
$2,941,941
Other Revenue
$0
Change in Net Assets
$19,951,322

Audited Revenue Reconciliation

Revenue per Audited Statements
$99,123,642
Revenue Not Reported on Financial Statements
$347,260
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$347,260
Total Revenue per Audited Statements
$99,123,642
Total Revenue per Form 990
$99,470,902
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$34,544,049
Other Expenses$32,950,833
Grants and Similar Amounts Paid$1,426,615
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$24,476,898
Office Expenses---$12,146,535
Benefits to Members---$10,598,083
Other Employee Benefits---$3,706,396
Occupancy---$2,777,940
Depreciation Depletion---$2,695,265
Current Officers, Directors, Trustees, and Key Employees---$2,435,961
Advertising---$2,314,597
Payroll Taxes---$2,100,870
Pension Plan Contributions---$1,823,924
Grants to Domestic Orgs---$1,426,615
Fees for Services Other---$812,786
Conferences and Meetings---$323,897
Other Expenses---$171,137
Interest---$147,199
Total Functional Expenses$0$0$0$79,519,580

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$79,519,580
Expenses per Audited Statements$79,172,319
Total Expenses per Audited Statements$79,172,319
Expenses Not Reported on Financial Statements$347,261
Other Expense Adjustments$347,261
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Royal Credit Union FoundationEau Claire, WI501(c)(3)To Provide Financial Support to the Foundation to Fulfill Its Exempt Purpose.$1,426,615
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
MEMBERS' SHARES$1,766,961,611
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
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

“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 return preparer emails a copy of the final form 990 to the vp-finance for review. The cfo performs a final review prior to signing and submission to the irs. The cfo reports the completion of the form 990 by the required deadlines to management and the board of directors.”

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

“The conflict of interest policy is included in the code of ethics policy. The policy, along with our core system, prevents team members from transacting business on their accounts. The code of ethics als0 prohibits team members from transacting on accounts they are associated with, regardless of ownership. Quarterly, all team members receive notification they should not transact on any accounts that may pose a potential conflict of interest. Also quarterly, we notify team members they must report violations of code of ethics, including conflict of interest.”

Form 990, Part VI, Section B, Line 15

“Royal credit union utilized various salary surveys and an outside consultatnt to determine compensation for ceo. Royal credit union utilized various market salary surveys and an outside compensation consultant to assist the talent services team in determining market appropriate salary grades and the placement of positions into them. The talent services team then reviewed and determined individual compensation for top management and key employees within those salary grades/ranges in alignment to our compensation philosophy. This process was most recently completed in 2016.”

Form 990, Part VI, Section C, Line 19

“Royal credit union's monthly financial statements are posted in all branch offices. Year-end financial statements are also provided in the annual report and presented at the annual meeting in april. Governing documents and the conflict of interest policy are not available to the public, but would be provided upon request.”

Filing and Contact Details

Filer

Filer Name
Royal Credit Union
EIN
39-6072970
Phone
7158338111
Address
200 RIVERFRONT TERRACE, EAU CLAIRE, WI 54703

Signing Officer

Name
Jon Hehli
Title
Chief Financial Officer
Phone
7158338111
Signed
2017-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jon Hehli
Formed
1964
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
733
Volunteers
677

Preparer

Firm
Cliftonlarsonallen Llp
Address
PO BOX 217, AUSTIN, MN 55912
Preparer
Katherine L Simmons
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING -1.”

FORM 990, PART XII, LINE 2C:

“This process has not changed from last year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes. Management evaluated the credit union's tax positions and concluded the credit union had taken no uncertain tax positions that require adjustment to financial statements to comply with the provisions of this guidance. The credit union files form 990 in the us federal juristiction.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Gain/loss on sale of assets reported in revenue section 347,260.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Gain/loss on sale of assets reported in revenue section 347,260. Rounding 1.”

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt922017
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1036334
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1115743
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1223218
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1329189
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1413737
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1527338
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1620187
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1710264
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1811093
IRS990/Form990PartVIISectionAGrp/PersonNm0STUART SCHAEFER
IRS990/Form990PartVIISectionAGrp/PersonNm1NANCY BELTZ
IRS990/Form990PartVIISectionAGrp/PersonNm2WILLIAM BLACKBURN
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN SACKETT
IRS990/Form990PartVIISectionAGrp/PersonNm4JENNIFER MCDONOUGH
IRS990/Form990PartVIISectionAGrp/PersonNm5DOUGLAS OLSON
IRS990/Form990PartVIISectionAGrp/PersonNm6THOMAS HUFFCUTT
IRS990/Form990PartVIISectionAGrp/PersonNm7JON HEHLI
IRS990/Form990PartVIISectionAGrp/PersonNm8BRANDON RIECHERS
IRS990/Form990PartVIISectionAGrp/PersonNm9RANDY BECK
IRS990/Form990PartVIISectionAGrp/PersonNm10RODOLFO PEREIRA
IRS990/Form990PartVIISectionAGrp/PersonNm11JAN JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm12AMY FORCIER-PABST
IRS990/Form990PartVIISectionAGrp/PersonNm13PETER NOHELTY
IRS990/Form990PartVIISectionAGrp/PersonNm14DANIEL ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm15DAVID THOE
IRS990/Form990PartVIISectionAGrp/PersonNm16MATHEW GERBER
IRS990/Form990PartVIISectionAGrp/PersonNm17JEFFREY SPROUL
IRS990/Form990PartVIISectionAGrp/PersonNm18JARED JOHNSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt012295
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt114295
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt214170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt324550
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt419200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt528680
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt616170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7276032
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8252823
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9228946
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10748026
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11248010
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12164500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13219494
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14306842
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15203411
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16211202
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17267234
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18209315
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/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt7EVP-CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EVP-CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt9EVP-CORPORATE RISK MGMT
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP-ORGANIZATIONAL AGILITY
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP-MEMBER EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt13EVP-CHIEF TECHNOLOGY OFFIC
IRS990/Form990PartVIISectionAGrp/TitleTxt14FINANCIAL CONSULTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP-BUSINESS LENDING MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP-MORTGAGE LOAN SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt17MORTGAGE LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18MORTGAGE LOAN OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01964
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0891693
IRS990/GainOrLossGrp/SecuritiesAmt0-6539
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt01426615
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt07365091
IRS990/GrossReceiptsAmt0105950839
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt038
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/IntangibleAssetsGrp/BOYAmt09044274
IRS990/IntangibleAssetsGrp/EOYAmt012698391
IRS990/InterestGrp/TotalAmt0147199
IRS990/InvestmentIncomeGrp/ExclusionAmt02056787
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02056787
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt014044209
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07006506
IRS990/InvestmentsProgramRelatedGrp/BOYAmt024153693
IRS990/InvestmentsProgramRelatedGrp/EOYAmt022786777
IRS990/IRPDocumentCnt043822
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt043649972
IRS990/LandBldgEquipBasisNetGrp/BOYAmt036623377
IRS990/LandBldgEquipBasisNetGrp/EOYAmt040434582
IRS990/LandBldgEquipCostOrOtherBssAmt084084554
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt06473398
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt06539
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO CREATE A POSITIVE IMPACT IN THE LIVES WE TOUCH.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt020028
IRS990/NetAssetsOrFundBalancesBOYAmt0191639413
IRS990/NetAssetsOrFundBalancesEOYAmt0211590734
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0885154
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0885154
IRS990/NetUnrelatedBusTxblIncmAmt0-14191
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02777940
IRS990/OfficeExpensesGrp/TotalAmt012146535
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt042985767
IRS990/OtherAssetsTotalGrp/EOYAmt050638082
IRS990/OtherChangesInNetAssetsAmt0-1
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03706396
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS OPERATING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt07349061
IRS990/OtherExpensesGrp/TotalAmt12267294
IRS990/OtherExpensesGrp/TotalAmt21945122
IRS990/OtherExpensesGrp/TotalAmt3171137
IRS990/OtherLiabilitiesGrp/BOYAmt01493906562
IRS990/OtherLiabilitiesGrp/EOYAmt01766961611
IRS990/OtherSalariesAndWagesGrp/TotalAmt024476898
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01470452081
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01681833954
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt02100870
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01823924
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05709677
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt07659261
IRS990/PrincipalOfficerNm0JON HEHLI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SERVICE CHARGES & FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt064782100
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118366676
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt213183840
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt064782100
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt118366676
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt213380185
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0196345
IRS990/ProgSrvcAccomActy2Grp/Desc0WE HAVE DEPOSIT, TRANSACTION, AND INVESTMENT ACCOUNTS WITH 180,346 MEMBERS AT 12/31/16. DURING 2016, WE OPENED 48,232 NEW DEPOSIT, TRANSACTION AND INVESTMENT ACCOUNTS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt07476831
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt01386652
IRS990/PYInvestmentIncomeAmt04383106
IRS990/PYOtherExpensesAmt031500251
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt087207221
IRS990/PYRevenuesLessExpensesAmt019125048
IRS990/PYSalariesCompEmpBnftPaidAmt032101545
IRS990/PYTotalExpensesAmt072465279
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt091590327
IRS990/ReconcilationRevenueExpnssAmt019951322
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0191639413
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0211590734
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021646000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018164621
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt026672292
IRS990ScheduleD/BuildingsGrp/DepreciationAmt014684679
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt041356971
IRS990ScheduleD/EquipmentGrp/BookValueAmt03380093
IRS990ScheduleD/EquipmentGrp/DepreciationAmt027719824
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt031099917
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0347261
IRS990ScheduleD/ExpensesSubtotalAmt079172319
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt010111023
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt010111023
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt093660
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0860606
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0954266
IRS990ScheduleD/OtherExpensesNotIncludedAmt0347261
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0177514
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0384863
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0562377
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01766961611
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0347260
IRS990ScheduleD/RevenueNotReportedAmt00

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,025,441,909
Liabilities
$1,813,851,175
Net assets
$211,590,734
Revenue
$99,470,902
Expenses
$79,519,580
Net income
$19,951,322
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5,329$4,806$523$374$324$49.8
2023Detailed filing. Detailed filing data is available for this year.$5,178$4,709$469$300$258$41.6
2022Detailed filing. Detailed filing data is available for this year.$4,553$4,135$418$199$159$39.5
2021Detailed filing. Detailed filing data is available for this year.$4,046$3,664$382$185$120$64.9
2020Detailed filing. Detailed filing data is available for this year.$3,465$3,150$315$170$142$28.5
2019Detailed filing. Detailed filing data is available for this year.$2,838$2,551$287$154$128$26.0
2018Detailed filing. Detailed filing data is available for this year.$2,391$2,130$261$132$108$23.4
2017Detailed filing. Detailed filing data is available for this year.$2,211$1,974$237$116$90.2$25.6
2016Detailed filing. Detailed filing data is available for this year.$2,025$1,814$212$99.5$79.5$20.0
2016Detailed filing. Detailed filing data is available for this year.$2,025$1,814$212$99.5$79.5$20.0
2015Detailed filing. Detailed filing data is available for this year.$1,711$1,520$192$91.6$72.5$19.1
2014Detailed filing. Detailed filing data is available for this year.$1,543$1,370$173$86.5$70.1$16.4
2013Detailed filing. Detailed filing data is available for this year.$1,392$1,237$156$99.9$69.3$30.6
2012Summary only. Only limited summary data is available for this year.$1,295$1,170$125$98.0$81.6$16.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,271$1,162$109$84.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,248$1,144$104$81.8