Civic Intelligence

Community First Credit Union

990 • Fiscal year 2015 • EIN 39-6264347

Jan 01, 2015 to Dec 31, 2015 • Filed on Oct 13, 2016

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

16th percentile

0.88x

Higher debt load relative to assets than 16% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

68th percentile

21.71x

Higher debt load relative to revenue than 68% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

99th percentile

40%

Higher net margin than 99% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

53rd percentile

$891,211

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

81st percentile

13%

Faster asset growth than 81% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

74th percentile

11%

Faster revenue growth than 74% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets16th percentile

Assets

Up

$2,344,908,185

Up $269,969,552 (+13%) from 2014

Net Assets

Up

$283,645,412

Up $34,958,601 (+14%) from 2014

Liabilities

Up

$2,061,262,773

Up $235,010,951 (+13%) from 2014

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin99th percentile

Revenue

Up

$94,925,620

Up $9,645,826 (+11%) from 2014

Expenses

Up

$56,869,777

Up $5,421,069 (+11%) from 2014

Net Income

Up

$38,055,843

Up $4,224,757 (+12%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth81st 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

2015

Assets$2,344,908,185
Liabilities$2,061,262,773
Net Assets$283,645,412
Open 2015 Filing

Operations Trend

Revenue Growth74th percentile

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

2015

Revenue$94,925,620
Expenses$56,869,777
Net Income$38,055,843
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Oct 13, 2016
Return Version
2015v2.1
Gross Receipts
$96,683,066
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,692,468,397$1,942,334,219▲ $249,865,822
Investments Program Related$317,217,468$329,144,119▲ $11,926,651
Rtn Earn Endowment Incm Other Fnds$248,686,811$283,645,412▲ $34,958,601
Land, Buildings, and Equipment, Net$25,199,584$33,602,047▲ $8,402,463
Cash and Non-Interest-Bearing Accounts$21,773,345$22,616,774▲ $843,429
Prepaid Expenses and Deferred Charges$11,934,525$11,083,764▼ $850,761
Accounts Receivable$518,729$8,974▼ $509,755
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,074,938,633$2,344,908,185▲ $269,969,552
Other Assets Total$5,826,585$6,118,288▲ $291,703
Liabilities
Other Liabilities$1,803,804,951$2,036,035,531▲ $232,230,580
Accounts Payable and Accrued Expenses$22,446,871$25,227,242▲ $2,780,371
Total Liabilities$1,826,251,822$2,061,262,773▲ $235,010,951
Net Assets / Fund Balance
Total Net Assets Fund Balance$248,686,811$283,645,412▲ $34,958,601
Total Liabilities and Net Assets / Fund Balance$2,074,938,633$2,344,908,185▲ $269,969,552

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$17,057,674$10,181,977$27,239,651
Equipment$3,193,162$14,389,087$17,582,249
Land$13,313,279-$13,313,279
Other Land Buildings$35,476$151,951$187,427
Leasehold Improvements$2,456$26,038$28,494
Investment Program Related Org$329,144,119--
Compensation and Service Providers
Top Officer Pay53rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Catherine J TierneyCEO/president/treasurerFT$470,262$420,949$891,211
Mary J SullivanChief Financial OfficerFT$223,629$131,842$355,471
Kim Van OsdolSVP Business ServicesFT$181,912$151,755$333,667
Timothy SciborskiChief Lending OfficerFT$158,887$144,218$303,105
Scott SteinfortChief Technology OfficerFT$180,333$94,640$274,973
Jeffrey SchweitzerSVP Facilities and PurchaseFT$146,208$110,657$256,865
Kevin HartzSVP Branch OperationsFT$176,562$78,168$254,730
Laurie ButzSVP Org. Development, Investments & Insurance ServFT$197,967$31,336$229,303
Laurie ButzSVP Org. Development, Investments &-$163,049$66,254$229,303
Amanda SecorSVP MarketingFT$131,882$52,588$184,470

Board Members and Trustees

NameTitle
Terri TowleChairperson
Daniel FerrisVice-chairperson
David PeperkornBoard Member
Dean HawkinsonBoard Member
Dr Susan MayBoard Member
Jay FulkersonBoard Member
William PetersBoard Member
Mary HultgrenSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Burton Karstedt INCAdvertising2336 HIGHPOINT DR, Lindenhurst, IL 60046$2,119,345
FiservData Processing75 REMITTANCE DRIVE SUITE 6962, Chicago, IL 60675-6962$1,460,087
Miron ConstructionConstruction1471 MCMAHON DR, Neenah, WI 54956$927,534
US Dept Of EducationFfel Consolidation Loan Rebate FeesPO BOX 979066, St Louis, MO 63197-9000$444,649
Commercial Horizons INCConsultingPO BOX 11237, Green Bay, WI 54307-1237$390,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$93,746,655
Investment Income
$1,186,752
Other Revenue
$-7,787
Change in Net Assets
$38,055,843
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$24,931,008
Other Expenses$20,391,893
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$18,978,003
Benefits to Members---$11,546,876
Advertising---$2,669,371
Information Technology---$2,016,210
Depreciation Depletion---$2,005,887
Current Officers, Directors, Trustees, and Key Employees---$1,824,761
Occupancy---$1,693,959
Other Employee Benefits---$1,499,142
Payroll Taxes---$1,478,114
All Other Expenses---$1,329,606
Pension Plan Contributions---$1,150,988
Other Expenses---$610,312
Conferences and Meetings---$547,983
Insurance---$250,331
Fees for Services Legal---$238,769
Fees for Services Accounting---$219,600
Travel---$74,095
Interest---$192
Total Functional Expenses$0$0$0$56,869,777
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$2,036,035,531
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 form 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. The deliberation and decisions for setting compensations are documented as appropriate. This process was last conducted in 2015.”

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. The organization does not make its governing documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Community First Credit Union
EIN
39-6264347
Phone
9208307200
Address
PO BOX 1487, APPLETON, WI 54912-1487

Signing Officer

Name
Catherine J Tierney
Title
CEO/president
Phone
9208307200
Signed
2016-10-13
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
548
Volunteers
8

Preparer

Firm
Cliftonlarsonallen Llp
Address
PO BOX 217, AUSTIN, MN 55912
Preparer
Karen Gries
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Other comprehensive income -3,097,241.”

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 form 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 674 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/PersonNm10MARY J SULLIVAN
IRS990/Form990PartVIISectionAGrp/PersonNm11SCOTT STEINFORT
IRS990/Form990PartVIISectionAGrp/PersonNm12JEFFREY SCHWEITZER
IRS990/Form990PartVIISectionAGrp/PersonNm13KEVIN HARTZ
IRS990/Form990PartVIISectionAGrp/PersonNm14AMANDA SECOR
IRS990/Form990PartVIISectionAGrp/PersonNm15KIM VAN OSDOL
IRS990/Form990PartVIISectionAGrp/PersonNm16LAURIE BUTZ
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11221371
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/PRESIDENT/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE-CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP FACILITIES AND PURCHASE
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP ORG. DEVELOPMENT, INVESTMENTS & INSURANCE SERV
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IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-7787
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt0-7787
IRS990/NetUnrelatedBusTxblIncmAmt0-38196
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01693959
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05826585
IRS990/OtherAssetsTotalGrp/EOYAmt06118288
IRS990/OtherChangesInNetAssetsAmt0-3097241
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01499142
IRS990/OtherExpensesGrp/Desc0OFFICE OPERATIONS EXPEN
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc2PUBLIC RELATIONS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt04960357
IRS990/OtherExpensesGrp/TotalAmt12918630
IRS990/OtherExpensesGrp/TotalAmt2856591
IRS990/OtherExpensesGrp/TotalAmt3610312
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IRS990/PensionPlanContributionsGrp/TotalAmt01150988
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt011934525
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt011083764
IRS990/PrincipalOfficerNm0CATHERINE J TIERNEY
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES & SERVICE CHGS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt069113030
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115656289
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt28867715
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115656289
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IRS990/PYSalariesCompEmpBnftPaidAmt021726997
IRS990/PYTotalExpensesAmt051448708
IRS990/PYTotalProfFndrsngExpnsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt8163049
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount132973

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,344,908,185
Liabilities
$2,061,262,773
Net assets
$283,645,412
Revenue
$94,925,620
Expenses
$56,869,777
Net income
$38,055,843
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
2015Detailed filing. Detailed filing data is available for this year.$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. 2015 filings • 501(c)14 • $1B+ nonprofits