Civic Intelligence

Whatcom Educational Credit Union

990 • Fiscal year 2018 • EIN 91-0712539

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 13, 2019

Organization ProfileWWW.WECU.COM

View Organization Page

21 Bellwether Way No 111Bellingham, WA 98225

(360) 676-1168

Siviq Scores

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

Liabilities / Assets

6th percentile

0.85x

Higher debt load relative to assets than 6% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

37th percentile

16.84x

Higher debt load relative to revenue than 37% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

40th percentile

17%

Higher net margin than 40% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

26th percentile

$643,438

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

64th percentile

8.5%

Faster asset growth than 64% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

64th percentile

15%

Faster revenue growth than 64% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets6th percentile

Assets

Up

$1,608,031,120

Up $125,784,107 (+8.5%) from 2017

Net Assets

Up

$244,327,509

Up $13,524,112 (+5.9%) from 2017

Liabilities

Up

$1,363,703,611

Up $112,259,995 (+9.0%) from 2017

Revenue And Expenses
Liabilities / Revenue37th percentileNet Margin40th percentile

Revenue

Up

$81,002,988

Up $10,830,589 (+15%) from 2017

Expenses

Up

$67,030,910

Up $15,483,648 (+30%) from 2017

Net Income

Down

$13,972,078

Down $4,653,059 (-25%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth64th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $706,976,500Liabilities 2010: $580,879,054Net Assets 2010: $126,097,4462010Assets 2011: $776,647,224Liabilities 2011: $637,304,152Net Assets 2011: $139,343,0722011Assets 2012: $883,830,603Liabilities 2012: $727,119,759Net Assets 2012: $156,710,8442012Assets 2013: $977,324,219Liabilities 2013: $806,368,475Net Assets 2013: $170,955,7442013Assets 2014: $1,082,297,679Liabilities 2014: $899,918,440Net Assets 2014: $182,379,2392014Assets 2015: $1,225,832,214Liabilities 2015: $1,030,122,679Net Assets 2015: $195,709,5352015Assets 2016: $1,367,927,360Liabilities 2016: $1,156,494,807Net Assets 2016: $211,432,5532016Assets 2017: $1,482,247,013Liabilities 2017: $1,251,443,616Net Assets 2017: $230,803,3972017Assets 2018: $1,608,031,120Liabilities 2018: $1,363,703,611Net Assets 2018: $244,327,5092018Assets 2019: $1,712,782,397Liabilities 2019: $1,453,723,572Net Assets 2019: $259,058,8252019Assets 2020: $2,136,316,633Liabilities 2020: $1,862,343,725Net Assets 2020: $273,972,9082020Assets 2021: $2,491,858,278Liabilities 2021: $2,196,578,930Net Assets 2021: $295,279,3482021Assets 2022: $2,507,427,609Liabilities 2022: $2,190,539,001Net Assets 2022: $316,888,6082022Assets 2023: $2,766,280,343Liabilities 2023: $2,430,302,080Net Assets 2023: $335,978,2632023Assets 2024: $2,957,165,947Liabilities 2024: $2,607,584,743Net Assets 2024: $349,581,2042024

Highlighted filing

2018

Assets$1,608,031,120
Liabilities$1,363,703,611
Net Assets$244,327,509
Open 2018 Filing

Operations Trend

Revenue Growth64th percentile

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

$200M$150M$100M$50M$0Expenses 2010: $39,264,2882010Expenses 2011: $36,738,2382011Expenses 2012: $37,675,9962012Revenue 2013: $50,937,148Expenses 2013: $37,199,212Net Income 2013: $13,737,9362013Revenue 2014: $51,454,248Expenses 2014: $40,141,708Net Income 2014: $11,312,5402014Revenue 2015: $54,990,783Expenses 2015: $41,471,469Net Income 2015: $13,519,3142015Revenue 2016: $62,872,274Expenses 2016: $47,429,375Net Income 2016: $15,442,8992016Revenue 2017: $70,172,399Expenses 2017: $51,547,262Net Income 2017: $18,625,1372017Revenue 2018: $81,002,988Expenses 2018: $67,030,910Net Income 2018: $13,972,0782018Revenue 2019: $86,913,366Expenses 2019: $72,182,050Net Income 2019: $14,731,3162019Revenue 2020: $85,917,838Expenses 2020: $71,003,755Net Income 2020: $14,914,0832020Revenue 2021: $85,746,120Expenses 2021: $64,051,386Net Income 2021: $21,694,7342021Revenue 2022: $98,737,059Expenses 2022: $68,523,716Net Income 2022: $30,213,3432022Revenue 2023: $138,092,209Expenses 2023: $119,310,663Net Income 2023: $18,781,5462023Revenue 2024: $166,494,738Expenses 2024: $154,291,742Net Income 2024: $12,202,9962024

Highlighted filing

2018

Revenue$81,002,988
Expenses$67,030,910
Net Income$13,972,078
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 13, 2019
Return Version
2018v3.1
Gross Receipts
$81,127,331
Mission and Program Overview

Mission

Whatcom educational credit union (wecu) is a member-owned financial cooperative where members are encouraged to save and borrow responsibly at fair and competitive rates, improving their financial well-being and standard of living. This state-chartered credit union is a member of the national credit union administration share insurance fund, and is regulated by the national credit union association, and the state of washington department of financial institutions - division of credit unions. Wecu's main products are consumer loans, real estate loans and commercial loans to members, which are primarily funded by deposits from members. Financial education and community service are also an integral part of wecu's operations and spirit of service.

Our mission is to make a meaningful difference in the lives of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,201,175,296$1,372,509,421▲ $171,334,125
Rtn Earn Endowment Incm Other Fnds$230,803,397$244,327,509▲ $13,524,112
Savings and Temporary Cash Investments$93,160,788$94,475,103▲ $1,314,315
Investments Other Securities$100,060,727$38,622,210▼ $61,438,517
Land, Buildings, and Equipment, Net$34,279,215$36,674,630▲ $2,395,415
Cash and Non-Interest-Bearing Accounts$26,880,285$26,344,298▼ $535,987
Receivables From Officers Etc-$11,316,824-
Investments in Publicly Traded Securities$5,735,891$5,287,925▼ $447,966
Prepaid Expenses and Deferred Charges$1,529,155$1,855,090▲ $325,935
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,482,247,013$1,608,031,120▲ $125,784,107
Other Assets Total$19,425,656$20,945,619▲ $1,519,963
Liabilities
Other Liabilities$1,226,471,420$1,337,340,005▲ $110,868,585
Accounts Payable and Accrued Expenses$23,425,782$24,677,405▲ $1,251,623
Escrow Account Liability$1,546,414$1,686,201▲ $139,787
Total Liabilities$1,251,443,616$1,363,703,611▲ $112,259,995
Net Assets / Fund Balance
Total Net Assets Fund Balance$230,803,397$244,327,509▲ $13,524,112
Total Liabilities and Net Assets / Fund Balance$1,482,247,013$1,608,031,120▲ $125,784,107

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,601,661$8,811,504$27,413,165
Equipment$3,552,138$12,027,627$15,579,765
Land$12,289,071-$12,289,071
Other Land Buildings$2,210,487-$2,210,487
Leasehold Improvements$21,273$518,838$540,111
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer E KutcherPresident/CEO/treasurerFT$422,760$220,678$643,438
Jeffrey R DykstraEvpFT$247,305$95,759$343,064
Cynthia Chase KleinChief Human Resources OfficerFT$202,322$78,364$280,686
Jack IngramChief Information OfficerFT$229,600$39,846$269,446
Brandon James HahnelVP, Finance (left 11/18)FT$124,297$132,588$256,885
Erynne Maria HallockVP, Retail DeliveryFT$174,063$52,820$226,883
Kent D BoumaVP, Business BankingFT$154,388$68,629$223,017
Matthew Henry BerendsenVP, LendingFT$157,288$65,315$222,603
Michael Peter YeendCredit Analysis Team LeaderFT$145,302$62,425$207,727
David Pierce JonesChief Marketing OfficerFT$171,864$33,617$205,481
Patti a MoserSenior Vendor Relationship ManagerFT$95,984$92,357$188,341
Janet Marie McgaryDirector of Retail OperationsFT$107,002$78,015$185,017
Aaron Heath WhitsonBusiness Banking Credit AdministratorFT$149,868$33,579$183,447
Aaron Heath WhitsonBusiness Banking Credit Administrato-$130,104$53,343$183,447
Grant DykstraBusiness Banking Senior Loan OfficerFT$121,217$57,417$178,634
Nicholas a HodsonChief Financial OfficerFT$88,686$7,133$95,819
Lesley FoxCFO (left 1/18)FT$42,518$764$43,282
Carol LagerChair-$2,822-$2,822
David WaschkeDirector-$1,879-$1,879
Ashok KhannaDirector-$1,344-$1,344
Bruce BurpeeDirector-$1,240-$1,240

Board Members and Trustees

NameTitle
Harte BresslerVice-chair
Cathie ObergDirector
Dale ZenderDirector
Margo HammondDirector
Kristi Lewis TyranSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore System Vendor75 REMITTANCE DR STE 1698, Chicago, IL 60675$2,977,641
Jack Henry & Associates (jha)Visa Card Processor663 W HWY 60 PO BOX 609, Monett, MO 65708$1,065,905
NcuaMember Insurance Services1775 DUKE STREET, Alexandria, VA 22314-3428$803,946
ExperianCredit Reports701 EXPERIAN PKWY, Allen, TX 75013$454,720
Next Step InternationalProfessional Services6000 METROWEST BLVD STE 107, Orlando, FL 32835$379,019
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$75,315,415
Investment Income
$3,701,602
Other Revenue
$1,985,971
Change in Net Assets
$13,972,078

Audited Revenue Reconciliation

Revenue per Audited Statements
$81,002,988
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$81,002,988
Total Revenue per Form 990
$81,002,988
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$31,333,682
Other Expenses$28,012,656
Grants and Similar Amounts Paid$233,095
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$20,488,807
Benefits to Members---$7,451,477
Information Technology---$4,140,795
Other Employee Benefits---$4,009,992
All Other Expenses---$3,372,809
Current Officers, Directors, Trustees, and Key Employees---$2,817,891
Office Expenses---$2,250,200
Pension Plan Contributions---$2,207,844
Advertising---$2,003,278
Occupancy---$1,957,783
Fees for Services Other---$1,950,810
Payroll Taxes---$1,809,148
Depreciation Depletion---$1,778,333
Other Expenses---$1,239,511
Conferences and Meetings---$234,137
Grants to Domestic Orgs---$160,095
Fees for Services Accounting---$160,065
Fees for Services Legal---$97,434
Travel---$90,298
Grants to Domestic Individuals---$73,000
Fees for Services Lobbying---$22,284
Insurance---$10,849
Total Functional Expenses$0$0$0$67,030,910

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$67,030,910
Total Expenses per Audited Statements$67,030,910
Total Expenses per Form 990$67,030,910
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
United Way of Whatcom CountyBellingham, WA501(c)(3)Annual Giving Drive$15,000
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$22,284
Total Exempt Function Spending$22,284
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
91-0460483Seatac, WA$22,284
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$11,316,824-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCOUNT$1,337,003,906
Accrued Pensions and Profit Sharing$336,099
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Membership is open to anyone who lives, works, worships or attends school in washington, and relatives of all members. The credit union's members receive a share of the organization's profits or excess dues in the form of cash dividends.”

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

“Members of the credit union have the right to elect members of the organization's governing body. Elections are held annually or as vacancies arise.”

Form 990, Part VI, Section A, Line 8B

“There are no other committees that have authority to act on behalf of the governing body.”

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

“Our form 990 tax filing is reviewed by wecu's controller and cfo. It is compared to our previous year's return and tied back to our financial statements and general ledger records. A copy of the form 990 is provided to the board of directors prior to filing.”

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

“Wecu's conflict of interest policy focuses on defining and preventing conflicts of interest. Before engaging in any activity, transaction, or before entering into any relationship that might give rise to a conflict of interest, employees must seek review from their managers, the internal auditor, or the human resources deptartment. Wecu's human resources department, staff liaison, and internal auditor are responsible for ensuring that no conflict of interests occur that could have a negative effect on wecu. If anyone suspects a conflict of interest, it is reported to management, the staff liaison, the human resources department, or the internal auditor. Wecu has various annual reviews and controls in place to monitor situations in which a conflict of interest might arise, which are performed by management, or our internal auditor.”

Form 990, Part VI, Section B, Line 15

“Compensation for the president/ceo is determined by the details of the employment contract set forth between the board of directors and the president/ceo and provided for in the annual wecu ceo compensation & performance plan. The board works with an independent consultant who utilizes national surveys and other data to help inform the compensation outlined in the plan. The credit union has engaged an independent consultant to ensure that pay rates for employees are competitive within the marketplace. The consultant utilizes a number of compensation surveys to help determine the overall salary structure of the organization.”

Form 990, Part VI, Section C, Line 19

“Wecu has a member rights policy in which we outline how our members can request and receive credit union corporate records, which include our articles and bylaws, minutes of our membership meetings, financial reports, code of ethics and board governance policies. A member request must be submitted in writing to the credit union and specifically identify the disclosable records requested. The credit union may require the member to sign a confidentiality agreement to protect the credit union from unauthorized disclosure of certain proprietary information. If any documents contain member information, it will be expunged from the document before being provided to the public.”

Filing and Contact Details

Filer

Filer Name
Whatcom Educational Credit Union
EIN
91-0712539
Phone
3606761168
Address
21 BELLWETHER WAY NO 111, BELLINGHAM, WA 98225

Signing Officer

Name
Nick Hodson
Title
Chief Financial Officer
Phone
3607567716
Signed
2019-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Kutcher
Formed
1936
Legal Domicile
Wa
Voting Board Members
9
Independent Board Members
9
Employees
466
Volunteers
12

Preparer

Firm
Cliftonlarsonallen Llp
Address
20 E THOMAS RD STE 2300, PHOENIX, AZ 85012
Preparer
Mary C Green
Phone
6022662248
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“Money received with mortgage payments that is held in escrow for real estate taxes.”

PART X, LINE 2:

“The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2018 and 2017.”

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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/PersonNm2KRISTI LEWIS TYRAN
IRS990/Form990PartVIISectionAGrp/PersonNm3BRUCE BURPEE
IRS990/Form990PartVIISectionAGrp/PersonNm4ASHOK KHANNA
IRS990/Form990PartVIISectionAGrp/PersonNm5CATHIE OBERG
IRS990/Form990PartVIISectionAGrp/PersonNm6MARGO HAMMOND
IRS990/Form990PartVIISectionAGrp/PersonNm7DAVID WASCHKE
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IRS990/Form990PartVIISectionAGrp/PersonNm10NICHOLAS A HODSON
IRS990/Form990PartVIISectionAGrp/PersonNm11LESLEY FOX
IRS990/Form990PartVIISectionAGrp/PersonNm12JEFFREY R DYKSTRA
IRS990/Form990PartVIISectionAGrp/PersonNm13JACK INGRAM
IRS990/Form990PartVIISectionAGrp/PersonNm14CYNTHIA CHASE KLEIN
IRS990/Form990PartVIISectionAGrp/PersonNm15DAVID PIERCE JONES
IRS990/Form990PartVIISectionAGrp/PersonNm16ERYNNE MARIA HALLOCK
IRS990/Form990PartVIISectionAGrp/PersonNm17MATTHEW HENRY BERENDSEN
IRS990/Form990PartVIISectionAGrp/PersonNm18KENT D BOUMA
IRS990/Form990PartVIISectionAGrp/PersonNm19BRANDON JAMES HAHNEL
IRS990/Form990PartVIISectionAGrp/PersonNm20GRANT DYKSTRA
IRS990/Form990PartVIISectionAGrp/PersonNm21JANET MARIE MCGARY
IRS990/Form990PartVIISectionAGrp/PersonNm22PATTI A MOSER
IRS990/Form990PartVIISectionAGrp/PersonNm23AARON HEATH WHITSON
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO (LEFT 1/18)
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF HUMAN RESOURCES OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP, RETAIL DELIVERY
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP, LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP, BUSINESS BANKING
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP, FINANCE (LEFT 11/18)
IRS990/Form990PartVIISectionAGrp/TitleTxt20BUSINESS BANKING SENIOR LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR OF RETAIL OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt22SENIOR VENDOR RELATIONSHIP MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt23BUSINESS BANKING CREDIT ADMINISTRATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24CREDIT ANALYSIS TEAM LEADER
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IRS990/FormationYr01936
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IRS990/FSAuditedInd01
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IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossRentsGrp/RealAmt043690
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IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/TotalAmt010849
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt05287925
IRS990/IRPDocumentCnt048039
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt036674630
IRS990/LandBldgEquipCostOrOtherBssAmt058032599
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IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0124343
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
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IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WHATCOM EDUCATIONAL CREDIT UNION (WECU) IS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE WHERE MEMBERS ARE ENCOURAGED TO SAVE AND BORROW RESPONSIBLY AT FAIR AND COMPETITIVE RATES, IMPROVING THEIR FINANCIAL WELL-BEING AND STANDARD OF LIVING. THIS STATE-CHARTERED CREDIT UNION IS A MEMBER OF THE NATIONAL CREDIT UNION ADMINISTRATION SHARE INSURANCE FUND, AND IS REGULATED BY THE NATIONAL CREDIT UNION ASSOCIATION, AND THE STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS - DIVISION OF CREDIT UNIONS. WECU'S MAIN PRODUCTS ARE CONSUMER LOANS, REAL ESTATE LOANS AND COMMERCIAL LOANS TO MEMBERS, WHICH ARE PRIMARILY FUNDED BY DEPOSITS FROM MEMBERS. FINANCIAL EDUCATION AND COMMUNITY SERVICE ARE ALSO AN INTEGRAL PART OF WECU'S OPERATIONS AND SPIRIT OF SERVICE.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/OtherExpensesGrp/Desc2ATM EXPENSES
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IRS990/OtherExpensesGrp/TotalAmt13541206
IRS990/OtherExpensesGrp/TotalAmt21239511
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IRS990/OtherLiabilitiesGrp/EOYAmt01337340005
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
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IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01855090
IRS990/PrincipalOfficerNm0JENNIFER KUTCHER
IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES AND FEES
IRS990/ProgramServiceRevenueGrp/Desc2CREDIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc3INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc4GAIN ON SALE OF LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt055326357
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19356850

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,608,031,120
Liabilities
$1,363,703,611
Net assets
$244,327,509
Revenue
$81,002,988
Expenses
$67,030,910
Net income
$13,972,078
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2,957$2,608$350$166$154$12.2
2023Detailed filing. Detailed filing data is available for this year.$2,766$2,430$336$138$119$18.8
2022Detailed filing. Detailed filing data is available for this year.$2,507$2,191$317$98.7$68.5$30.2
2021Detailed filing. Detailed filing data is available for this year.$2,492$2,197$295$85.7$64.1$21.7
2020Detailed filing. Detailed filing data is available for this year.$2,136$1,862$274$85.9$71.0$14.9
2019Detailed filing. Detailed filing data is available for this year.$1,713$1,454$259$86.9$72.2$14.7
2018Detailed filing. Detailed filing data is available for this year.$1,608$1,364$244$81.0$67.0$14.0
2017Detailed filing. Detailed filing data is available for this year.$1,482$1,251$231$70.2$51.5$18.6
2016Detailed filing. Detailed filing data is available for this year.$1,368$1,156$211$62.9$47.4$15.4
2015Detailed filing. Detailed filing data is available for this year.$1,226$1,030$196$55.0$41.5$13.5
2014Detailed filing. Detailed filing data is available for this year.$1,082$900$182$51.5$40.1$11.3
2013Detailed filing. Detailed filing data is available for this year.$977$806$171$50.9$37.2$13.7
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$884$727$157$37.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$777$637$139$36.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$707$581$126$39.3