Civic Intelligence

Community First Credit Union

990 • Fiscal year 2016 • EIN 39-6264347

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 14, 2017

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

17th percentile

0.88x

Higher debt load relative to assets than 17% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

73rd percentile

22.41x

Higher debt load relative to revenue than 73% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

98th percentile

37%

Higher net margin than 98% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

57th percentile

$910,278

Higher top officer pay than 57% of similar nonprofits.

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

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

77th percentile

12%

Faster asset growth than 77% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

36th percentile

8.0%

Faster revenue growth than 36% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$2,619,103,646

Up $274,195,461 (+12%) from 2015

Net Assets

Up

$320,690,080

Up $37,044,668 (+13%) from 2015

Liabilities

Up

$2,298,413,566

Up $237,150,793 (+12%) from 2015

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin98th percentile

Revenue

Up

$102,552,266

Up $7,626,646 (+8.0%) from 2015

Expenses

Up

$64,180,736

Up $7,310,959 (+13%) from 2015

Net Income

Up

$38,371,530

Up $315,687 (+0.8%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth77th 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

2016

Assets$2,619,103,646
Liabilities$2,298,413,566
Net Assets$320,690,080
Open 2016 Filing

Operations Trend

Revenue Growth36th 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

2016

Revenue$102,552,266
Expenses$64,180,736
Net Income$38,371,530
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 14, 2017
Return Version
2016v3.0
Gross Receipts
$104,451,207
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$1,942,334,219$2,146,164,131▲ $203,829,912
Investments Program Related$329,144,119$368,856,586▲ $39,712,467
Rtn Earn Endowment Incm Other Fnds$283,645,412$320,690,080▲ $37,044,668
Land, Buildings, and Equipment, Net$33,602,047$52,760,641▲ $19,158,594
Cash and Non-Interest-Bearing Accounts$22,616,774$34,601,396▲ $11,984,622
Prepaid Expenses and Deferred Charges$11,083,764$11,733,260▲ $649,496
Accounts Receivable$8,974$87,086▲ $78,112
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,344,908,185$2,619,103,646▲ $274,195,461
Other Assets Total$6,118,288$4,900,546▼ $1,217,742
Liabilities
Other Liabilities$2,036,035,531$2,263,338,630▲ $227,303,099
Accounts Payable and Accrued Expenses$25,227,242$35,074,936▲ $9,847,694
Total Liabilities$2,061,262,773$2,298,413,566▲ $237,150,793
Net Assets / Fund Balance
Total Net Assets Fund Balance$283,645,412$320,690,080▲ $37,044,668
Total Liabilities and Net Assets / Fund Balance$2,344,908,185$2,619,103,646▲ $274,195,461

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$35,057,088$11,002,341$46,059,429
Equipment$3,694,062$15,171,542$18,865,604
Land$13,313,279-$13,313,279
Leasehold Improvements$563,760$65,889$629,649
Other Land Buildings$132,452$119,396$251,848
Investment Program Related Org$368,856,586--
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Catherine J TierneyCEO/president/treasurerFT$489,490$420,788$910,278
Kim Van OsdolSVP Business ServicesFT$191,566$188,892$380,458
Mary J SullivanChief Financial OfficerFT$230,588$111,467$342,055
Timothy SciborskiChief Lending OfficerFT$162,245$152,025$314,270
Scott SteinfortChief Technology OfficerFT$186,785$97,681$284,466
Jeffrey SchweitzerSVP Facilities and PurchaseFT$145,046$127,990$273,036
Kevin HartzSVP Branch OperationsFT$184,070$81,685$265,755
Laurie ButzSVP Org. Development, Investments &FT$170,313$74,344$244,657
Amanda SecorSVP MarketingFT$135,034$53,328$188,362

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
Miron ConstructionConstruction1471 MCMAHON DR, Neenah, WI 54956$19,117,010
Burton Karstedt INCAdvertising2336 HIGHPOINT DR, Lindenhurst, IL 60046$2,234,207
FiservData Processing75 REMITTANCE DRIVE SUITE 6962, Chicago, IL 60675-6962$1,674,189
US Dept Of EducationFfel Consolidation Loan Rebate FeesPO BOX 979066, St Louis, MO 63197-9000$339,584
AccentureConsultingPO BOX 28662, Chicago, IL 60673$252,885
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$100,567,302
Investment Income
$1,992,681
Other Revenue
$-7,717
Change in Net Assets
$38,371,530
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$26,953,342
Other Expenses$22,467,845
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$19,588,669
Benefits to Members---$14,759,549
Advertising---$2,772,458
Information Technology---$2,371,549
Pension Plan Contributions---$2,340,749
Depreciation Depletion---$2,255,722
Occupancy---$1,862,685
Current Officers, Directors, Trustees, and Key Employees---$1,851,069
Other Employee Benefits---$1,666,171
Payroll Taxes---$1,506,684
Other Expenses---$960,934
All Other Expenses---$556,877
Conferences and Meetings---$450,673
Insurance---$365,117
Travel---$262,287
Fees for Services Accounting---$226,300
Fees for Services Legal---$147,053
Total Functional Expenses$0$0$0$64,180,736
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$2,263,338,630
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 11B

“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 2016.”

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
2017-11-14
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
575
Volunteers
8

Preparer

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

Additional Explanations

FORM 990, PART XI, LINE 9:

“Other comprehensive income -1,326,862.”

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 does not match 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 680 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/BOYAmt025227242
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt035074936
IRS990/AccountsReceivableGrp/BOYAmt08974
IRS990/AccountsReceivableGrp/EOYAmt087086
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0OUR MISSION IS TO BE OUR MEMBERS' PRIMARY FINANCIAL SERVICES PROVIDER.
IRS990/AdvertisingGrp/TotalAmt02772458
IRS990/AllOtherExpensesGrp/TotalAmt0556877
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt014759549
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CATHERINE J TIERNEY
IRS990/BooksInCareOfDetail/PhoneNum09208307220
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02626 S ONEIDA ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0APPLETON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054912
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt022616774
IRS990/CashNonInterestBearingGrp/EOYAmt034601396
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt014
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01851069
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0450673
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt019117010
IRS990/ContractorCompensationGrp/CompensationAmt12234207
IRS990/ContractorCompensationGrp/CompensationAmt21674189
IRS990/ContractorCompensationGrp/CompensationAmt3339584
IRS990/ContractorCompensationGrp/CompensationAmt4252885
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt01471 MCMAHON DR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12336 HIGHPOINT DR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt275 REMITTANCE DRIVE SUITE 6962
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 979066
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4PO BOX 28662
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0NEENAH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1LINDENHURST
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2CHICAGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3ST LOUIS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4CHICAGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3MO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd054956
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160046
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd2606756962
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd3631979000
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd460673
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0MIRON CONSTRUCTION
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1BURTON KARSTEDT INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3US DEPT OF EDUCATION
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4ACCENTURE
IRS990/ContractorCompensationGrp/ServicesDesc0CONSTRUCTION
IRS990/ContractorCompensationGrp/ServicesDesc1ADVERTISING
IRS990/ContractorCompensationGrp/ServicesDesc2DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc3FFEL CONSOLIDATION LOAN REBATE FEES
IRS990/ContractorCompensationGrp/ServicesDesc4CONSULTING
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt014759549
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01992681
IRS990/CYOtherExpensesAmt022467845
IRS990/CYOtherRevenueAmt0-7717
IRS990/CYProgramServiceRevenueAmt0100567302
IRS990/CYRevenuesLessExpensesAmt038371530
IRS990/CYSalariesCompEmpBnftPaidAmt026953342
IRS990/CYTotalExpensesAmt064180736
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0102552266
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt02255722
IRS990/Desc0PROVIDED FINANCIAL SERVICES TO 126,544 MEMBER OWNERS IN 2016. FUNDED 21,095 LOANS TO THESE MEMBERS IN 2016 FOR $980,860,948.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0575
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0226300
IRS990/FeesForServicesLegalGrp/TotalAmt0147053
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt0202526
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt9108878
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1044977
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1153324
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1286742
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1341393
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1422635
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt15141954
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1636224
IRS990/Form990PartVIISectionAGrp/PersonNm0CATHERINE J TIERNEY
IRS990/Form990PartVIISectionAGrp/PersonNm1TERRI TOWLE
IRS990/Form990PartVIISectionAGrp/PersonNm2DANIEL FERRIS
IRS990/Form990PartVIISectionAGrp/PersonNm3MARY HULTGREN
IRS990/Form990PartVIISectionAGrp/PersonNm4JAY FULKERSON
IRS990/Form990PartVIISectionAGrp/PersonNm5DEAN HAWKINSON
IRS990/Form990PartVIISectionAGrp/PersonNm6DR SUSAN MAY
IRS990/Form990PartVIISectionAGrp/PersonNm7DAVID PEPERKORN
IRS990/Form990PartVIISectionAGrp/PersonNm8WILLIAM PETERS
IRS990/Form990PartVIISectionAGrp/PersonNm9TIMOTHY SCIBORSKI
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
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0707752
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9205392
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10297078
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11231142
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12186294
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13224362
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14165727
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15238504
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16208433
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/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 &
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01975
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-92567
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01774222
IRS990/GrossReceiptsAmt0104451207
IRS990/GrossRentsGrp/RealAmt024435
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt022
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02371549
IRS990/InsuranceGrp/TotalAmt0365117
IRS990/InvestmentIncomeGrp/ExclusionAmt02085248
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02085248
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0329144119
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0368856586
IRS990/IRPDocumentCnt064794
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt026359168
IRS990/LandBldgEquipBasisNetGrp/BOYAmt033602047
IRS990/LandBldgEquipBasisNetGrp/EOYAmt052760641
IRS990/LandBldgEquipCostOrOtherBssAmt079119809
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01866789
IRS990/LessRentalExpensesGrp/RealAmt032152
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0COMMUNITY 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0283645412
IRS990/NetAssetsOrFundBalancesEOYAmt0320690080
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-92567
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-92567
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-7717
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt0-7717
IRS990/NetUnrelatedBusTxblIncmAmt0-49019
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01862685
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06118288
IRS990/OtherAssetsTotalGrp/EOYAmt04900546
IRS990/OtherChangesInNetAssetsAmt0-1326862
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01666171
IRS990/OtherExpensesGrp/Desc0OFFICE OPERATIONS EXPEN
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3PUBLIC RELATIONS
IRS990/OtherExpensesGrp/TotalAmt05349320
IRS990/OtherExpensesGrp/TotalAmt13091949
IRS990/OtherExpensesGrp/TotalAmt21794921
IRS990/OtherExpensesGrp/TotalAmt3960934
IRS990/OtherLiabilitiesGrp/BOYAmt02036035531
IRS990/OtherLiabilitiesGrp/EOYAmt02263338630
IRS990/OtherSalariesAndWagesGrp/TotalAmt019588669
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01942334219
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02146164131
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01506684
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt02340749
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt011083764
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt011733260
IRS990/PrincipalOfficerNm0CATHERINE J TIERNEY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES & SERVICE CHGS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt075610302
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt116385045
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt28472791
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt075610302
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116386565
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt28570435
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01520
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt197644
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt011546876
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01186752
IRS990/PYOtherExpensesAmt020391893
IRS990/PYOtherRevenueAmt0-7787
IRS990/PYProgramServiceRevenueAmt093746655
IRS990/PYRevenuesLessExpensesAmt038055843
IRS990/PYSalariesCompEmpBnftPaidAmt024931008
IRS990/PYTotalExpensesAmt056869777
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt094925620
IRS990/ReconcilationRevenueExpnssAmt038371530
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/RentalIncomeOrLossGrp/RealAmt0-7717
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0283645412
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0320690080
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt035057088
IRS990ScheduleD/BuildingsGrp/DepreciationAmt011002341
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt046059429
IRS990ScheduleD/EquipmentGrp/BookValueAmt03694062
IRS990ScheduleD/EquipmentGrp/DepreciationAmt015171542
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt018865604
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0368856586
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS - PROGRAM RELATED
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt013313279
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt013313279
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0563760
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt065889
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0629649
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0132452
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0119396
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0251848
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02263338630
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt052760641
IRS990ScheduleD/TotalBookValueProgramRltdAmt0368856586
IRS990ScheduleD/TotalLiabilityAmt02263338630
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0489490
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1162245
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2230588
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3186785
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4145046
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5184070
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6135034
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt7191566
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt8170313
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0195366
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount135627
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount261230

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$2,619,103,646
Liabilities
$2,298,413,566
Net assets
$320,690,080
Revenue
$102,552,266
Expenses
$64,180,736
Net income
$38,371,530
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
2016Detailed filing. Detailed filing data is available for this year.$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