Civic Intelligence

Community First Credit Union

990 • Fiscal year 2013 • EIN 39-6264347

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 14, 2014

Organization ProfileWWW.COMMUNITYFIRSTCU.ORG

View Organization Page

PO Box 1487Appleton, WI 54912-1487

(920) 830-7200

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

41st percentile

0.89x

Higher debt load relative to assets than 41% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Liabilities / Revenue

74th percentile

22.38x

Higher debt load relative to revenue than 74% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Net Margin

97th percentile

37%

Higher net margin than 97% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Top Officer Pay

50th percentile

$774,176

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Asset Growth

95th percentile

14%

Faster asset growth than 95% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$2,014,304,454

Up $250,754,385 (+14%) from 2012

Net Assets

Up

$214,776,696

Up $31,773,572 (+17%) from 2012

Liabilities

Up

$1,799,527,758

Up $218,980,813 (+14%) from 2012

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin97th percentile

Revenue

$80,398,408

No earlier filing loaded for comparison.

Expenses

Down

$51,026,829

Down $1,281,822 (-2.5%) from 2012

Net Income

$29,371,579

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth95th percentile

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

$8.0B$6.0B$4.0B$2.0B$0Assets 2010: $1,435,886,607Liabilities 2010: $1,306,112,058Net Assets 2010: $129,774,5492010Assets 2011: $1,576,608,302Liabilities 2011: $1,423,299,114Net Assets 2011: $153,309,1882011Assets 2012: $1,763,550,069Liabilities 2012: $1,580,546,945Net Assets 2012: $183,003,1242012Assets 2013: $2,014,304,454Liabilities 2013: $1,799,527,758Net Assets 2013: $214,776,6962013Assets 2014: $2,074,938,633Liabilities 2014: $1,826,251,822Net Assets 2014: $248,686,8112014Assets 2015: $2,344,908,185Liabilities 2015: $2,061,262,773Net Assets 2015: $283,645,4122015Assets 2016: $2,619,103,646Liabilities 2016: $2,298,413,566Net Assets 2016: $320,690,0802016Assets 2017: $2,827,032,345Liabilities 2017: $2,462,741,344Net Assets 2017: $364,291,0012017Assets 2018: $3,117,431,248Liabilities 2018: $2,712,585,806Net Assets 2018: $404,845,4422018Assets 2019: $3,412,730,212Liabilities 2019: $2,974,301,208Net Assets 2019: $438,429,0042019Assets 2020: $4,233,572,171Liabilities 2020: $3,759,453,833Net Assets 2020: $474,118,3382020Assets 2021: $4,925,306,167Liabilities 2021: $4,396,545,649Net Assets 2021: $528,760,5182021Assets 2022: $5,156,851,836Liabilities 2022: $4,569,773,622Net Assets 2022: $587,078,2142022Assets 2023: $5,550,453,190Liabilities 2023: $4,896,441,178Net Assets 2023: $654,012,0122023Assets 2024: $6,031,707,524Liabilities 2024: $5,308,262,145Net Assets 2024: $723,445,3792024

Highlighted filing

2013

Assets$2,014,304,454
Liabilities$1,799,527,758
Net Assets$214,776,696
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400M$300M$200M$100M$0Expenses 2010: $56,529,5622010Expenses 2011: $53,644,9592011Expenses 2012: $52,308,6512012Revenue 2013: $80,398,408Expenses 2013: $51,026,829Net Income 2013: $29,371,5792013Revenue 2014: $85,279,794Expenses 2014: $51,448,708Net Income 2014: $33,831,0862014Revenue 2015: $94,925,620Expenses 2015: $56,869,777Net Income 2015: $38,055,8432015Revenue 2016: $102,552,266Expenses 2016: $64,180,736Net Income 2016: $38,371,5302016Revenue 2017: $113,188,838Expenses 2017: $70,179,100Net Income 2017: $43,009,7382017Revenue 2018: $126,012,945Expenses 2018: $84,934,074Net Income 2018: $41,078,8712018Revenue 2019: $141,751,455Expenses 2019: $102,929,505Net Income 2019: $38,821,9502019Revenue 2020: $145,139,477Expenses 2020: $108,011,225Net Income 2020: $37,128,2522020Revenue 2021: $150,657,635Expenses 2021: $96,657,185Net Income 2021: $54,000,4502021Revenue 2022: $189,052,954Expenses 2022: $118,578,205Net Income 2022: $70,474,7492022Revenue 2023: $283,664,523Expenses 2023: $218,089,593Net Income 2023: $65,574,9302023Revenue 2024: $336,004,257Expenses 2024: $269,692,868Net Income 2024: $66,311,3892024

Highlighted filing

2013

Revenue$80,398,408
Expenses$51,026,829
Net Income$29,371,579
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 14, 2014
Return Version
2013v3.0
Gross Receipts
$81,919,554
Mission and Program Overview

Mission

Our mission is to be our members' primary financial services provider.

Community first credit union will provide high quality, competitive financial products and services which anticipate and exceed our members' needs. We intend to be the primary financial organization for our members by earning and maintaining their trust, by maintaining a balance between sound growth, earnings and reserves, by providing a challenging and rewarding environment for our employees and by contributing to the social and economic well-being of the communities we serve.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,269,623,431$1,496,821,822▲ $227,198,391
Investments Program Related$443,518,565$455,998,517▲ $12,479,952
Rtn Earn Endowment Incm Other Fnds$183,003,124$214,776,696▲ $31,773,572
Land, Buildings, and Equipment, Net$23,283,115$23,061,376▼ $221,739
Cash and Non-Interest-Bearing Accounts$13,260,749$19,892,799▲ $6,632,050
Prepaid Expenses and Deferred Charges$6,337,917$9,921,407▲ $3,583,490
Accounts Receivable$439,122$475,216▲ $36,094
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,763,550,069$2,014,304,454▲ $250,754,385
Other Assets Total$7,087,170$8,133,317▲ $1,046,147
Liabilities
Other Liabilities$1,571,747,592$1,708,647,812▲ $136,900,220
Mortgage Notes Payable Secured by Investment Property-$70,000,000-
Accounts Payable and Accrued Expenses$8,799,353$20,879,946▲ $12,080,593
Total Liabilities$1,580,546,945$1,799,527,758▲ $218,980,813
Net Assets / Fund Balance
Total Net Assets Fund Balance$183,003,124$214,776,696▲ $31,773,572
Total Liabilities and Net Assets / Fund Balance$1,763,550,069$2,014,304,454▲ $250,754,385

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,002,785$8,600,393$22,603,178
Equipment$2,714,540$13,255,311$15,969,851
Land$6,242,169-$6,242,169
Other Land Buildings$101,882$85,545$187,427
Leasehold Improvements$0$25,692$25,692
Investment Program Related Org$455,998,517--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Catherine J TierneyCEO/president/treasurerFT$427,596$346,580$774,176
Mary J SullivanChief Financial OfficerFT$207,189$110,737$317,926
Kim Van OsdolSVP Business ServicesFT$164,395$87,894$252,289
Timothy SciborskiChief Lending OfficerFT$141,284$96,912$238,196
Scott SteinfortChief Technology OfficerFT$159,061$70,039$229,100
Kevin HartzSVP Branch OperationsFT$154,477$52,667$207,144
Jeffrey SchweitzerSVP Facilities and PurchasFT$138,387$66,637$205,024
Laurie ButzSVP Human ResourcesFT$151,823$53,094$204,917
Amanda SecorSVP MarketingFT$132,035$47,615$179,650

Board Members and Trustees

NameTitle
Jay FulkersonChairperson
Terri TowleVice-chairperson
David PeperkornBoard Member
Dean HawkinsonBoard Member
Dr Susan MayBoard Member
Joyce BytofBoard Member
Mary HultgrenBoard Member
William PetersBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Burton KarstedtAdvertising-$1,782,343
FiservData Processing-$1,278,138
US Dept Of EducationFfel Consolidation Loan Rebate Fees-$505,531
Trans Union LLCCredit Bureau-$254,852
Van Lieshout Law OfficeAttorney Fees-$224,786
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$79,027,588
Investment Income
$1,173,399
Other Revenue
$197,421
Change in Net Assets
$29,371,579
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$20,915,943
Other Expenses$19,555,063
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$15,788,367
Benefits to Members---$10,555,823
Advertising---$2,450,887
Other Employee Benefits---$2,425,935
Depreciation Depletion---$1,923,268
Information Technology---$1,508,415
Occupancy---$1,494,409
Current Officers, Directors, Trustees, and Key Employees---$1,430,352
All Other Expenses---$1,406,020
Payroll Taxes---$1,271,289
Other Expenses---$1,227,070
Conferences and Meetings---$322,960
Insurance---$295,824
Fees for Services Legal---$245,881
Fees for Services Accounting---$194,791
Travel---$68,808
Interest---$637
Total Functional Expenses$0$0$0$51,026,829
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 Accounts$1,708,647,812
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 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

“Members of the credit union.”

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

“Each member owner has one vote to elect one or more directors of the governing body.”

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 by 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 11

“The 990 is reviewed by ceo and presented to the board of directors.”

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

“Board of directors completes a conflict of interest questionnaire annually.”

Form 990, Part VI, Section B, Line 15

“The compensation committee used an outside compensation consultant for ceo and key employee compensation. The compensation consultant works directly with the compensation committee of the board of directors.”

Form 990, Part VI, Section C, Line 19

“Financial statements are reviewed by the board of directors monthly and an annual report is available to membership each year.”

Filing and Contact Details

Filer

EIN
39-6264347
Phone
9208307200

Signing Officer

Name
Catherine J Tierney
Title
CEO/president
Phone
9208307200
Signed
2014-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Catherine J Tierney
Formed
1975
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
8
Employees
479
Volunteers
8

Preparer

Preparer
Karen Gries
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Other comprehensive income 886,857. Equity acquired in merger 1,515,136.”

FORM 990, PART XII, LINE 2B:

“Audited financial statements: the organization has an audit performed each year as of september 30th. This question is being answered 'no' only because the reporting period for the annual audit not matching the december 31st reporting period for the 990.”

FORM 990, PART XII, LINE 2C:

“A financial audit is performed annually along with internal audits which are performed throughout the year. The audit plan and actual audit reports are reviewed with the audit committee of the board of directors.”

Raw XML AppendixShowing 400 of 675 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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IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP FACILITIES AND PURCHAS
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP HUMAN RESOURCES
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Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,014,304,454
Liabilities
$1,799,527,758
Net assets
$214,776,696
Revenue
$80,398,408
Expenses
$51,026,829
Net income
$29,371,579
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6,032$5,308$723$336$270$66.3
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,550$4,896$654$284$218$65.6
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5,157$4,570$587$189$119$70.5
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,925$4,397$529$151$96.7$54.0
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,234$3,759$474$145$108$37.1
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,413$2,974$438$142$103$38.8
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,117$2,713$405$126$84.9$41.1
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,827$2,463$364$113$70.2$43.0
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,619$2,298$321$103$64.2$38.4
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,345$2,061$284$94.9$56.9$38.1
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,075$1,826$249$85.3$51.4$33.8
2013Detailed filing. Detailed filing data is available for this year.$2,014$1,800$215$80.4$51.0$29.4
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,764$1,581$183$52.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,577$1,423$153$53.6
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,436$1,306$130$56.5
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $1B+ nonprofits