PCM CREDIT UNION: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: PCM CREDIT UNION (EIN 39-0974444)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-11-15
IRS object ID: 202443209349309944
Schema version: 2023v5.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule G
Schedule I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2024-11-15T11:27:56-06:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	390758449	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	WIPFLI LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	1502 LONDON ROAD SUITE 200	AddressLine1Txt
City	DULUTH	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55812	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2023-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	390974444	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	PCM CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	PCMC	BusinessNameControlTxt
Phone	9204992831	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	601 WILLARD DRIVE	AddressLine1Txt
City	GREEN BAY	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54304	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	SHELLY MELLENBERGER	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	9204992831	PhoneNum
Signature	2024-11-15	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (1)	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MICHAEL J PETERSON CPA	PreparerPersonNm
PTIN	P01833529	PTIN
Phone	2187224705	PhoneNum
Preparation	2024-11-14	PreparationDt

Field	Value	IRS element (for citing)
Tax	2023	TaxYr
Build TS	2024-10-15 13:58:12Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	SHELLY MELLENBERGER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	601 WILLARD DRIVE	AddressLine1Txt
City	GREEN BAY	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54304	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$21,878,404	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.PCMCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1958	FormationYr
Legal Domicile State	WI	LegalDomicileStateCd
Activity Or Mission	PCM CREDIT UNION IS A STRONG FINANCIAL COOPERATIVE THAT GOES ABOVE AND BEYOND PROVIDING MEMBER-OWNERS BENEFITS AND ADVANTAGES OVER OTHER FINANCIAL INSTITUTIONS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	59	TotalEmployeeCnt
Total Volunteers	8	TotalVolunteersCnt
Total Gross UBI	$78,768	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$2,341	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$21,242	CYContributionsGrantsAmt
PY Program Service Revenue	$12,615,879	PYProgramServiceRevenueAmt
CY Program Service Revenue	$14,999,285	CYProgramServiceRevenueAmt
PY Investment Income	$1,374,177	PYInvestmentIncomeAmt
CY Investment Income	$3,888,959	CYInvestmentIncomeAmt
PY Other Revenue	$4,800	PYOtherRevenueAmt
CY Other Revenue	$12,089	CYOtherRevenueAmt
PY Total Revenue	$13,994,856	PYTotalRevenueAmt
CY Total Revenue	$18,921,575	CYTotalRevenueAmt
PY Grants And Similar Paid	$13,250	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$98,656	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$4,406,369	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$4,261,380	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$6,517,193	PYOtherExpensesAmt
CY Other Expenses	$13,560,546	CYOtherExpensesAmt
PY Total Expenses	$10,936,812	PYTotalExpensesAmt
CY Total Expenses	$17,920,582	CYTotalExpensesAmt
PY Revenues Less Expenses	$3,058,044	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,000,993	CYRevenuesLessExpensesAmt
Total Assets BOY	$393,134,166	TotalAssetsBOYAmt
Total Assets EOY	$450,113,411	TotalAssetsEOYAmt
Total Liabilities BOY	$352,518,355	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$407,445,244	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$40,615,811	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$42,668,167	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	PCM CREDIT UNION IS A STRONG FINANCIAL COOPERATIVE THAT GOES ABOVE AND BEYOND PROVIDING MEMBER-OWNERS BENEFITS AND ADVANTAGES OVER OTHER FINANCIAL INSTITUTIONS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	Yes (1)	SignificantChangeInd
Desc	WE FUNDED 2,854 LOANS DURING 2023. WE HAD 2,274 MORTGAGES/HOME EQUITY LINES, 5,165 CONSUMER LOANS. WE ALSO HAD 4,487 CREDIT CARDS ACCOUNTS WITH OUR MEMBERS AT 12/31.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	WE HAVE DEPOSIT, TRANSACTION AND INVESTMENT ACCOUNTS WITH 14,446 MEMBERS AT 12/31/23. DURING 2023, WE OPENED 5,920 NEW DEPOSIT, TRANSACTION AND INVESTMENT ACCOUNTS.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	Yes (1)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	Yes (1)	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	Yes (1)	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	10138	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	59	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	Yes (1)	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	SHELLY MELLENBERGER	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	9204992831	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 28500	AddressLine1Txt
City	GREEN BAY	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54324	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (15 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
DAVE MURRAY
CHAIRPERSON	1.00	Yes (X)	$1,351	$0	$0
JEFF BURICH
VICE CHAIRPERSON	1.00	Yes (X)	$0	$0	$0
MARLIS KLIMEK
VICE CHAIRPERSON (THRU MARCH 2023)	1.00	Yes (X)	$0	$0	$0
ROBERT HATSZEGI
TREASURER	1.00	Yes (X)	$1,849	$0	$0
DEB BARLAMENT
DIRECTOR	1.00	Yes (X)	$0	$0	$0
PHILLIP GIESE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
KAREN SYLVESTER
DIRECTOR	1.00	Yes (X)	$0	$0	$0
JIM ZITTLOW
DIRECTOR	1.00	Yes (X)	$0	$0	$0
SHELLY MELLENBERGER
PRESIDENT	40.00		$227,326	$0	$26,128	Yes (X)
DANNY L WOLLIN
PRESIDENT (THRU APRIL 2023)	40.00		$242,704	$0	$34,728	Yes (X)
SAMANTHA ISTED
VICE PRESIDENT OF FINANCE	40.00		$113,112	$0	$19,776	Yes (X)
JOSEPH WOLLIN
VICE PRESIDENT LENDING	40.00		$125,385	$0	$29,967		Yes (X)
LESLEY ENZ
SENIOR DIRECTOR OF MARKETING	40.00		$107,234	$0	$19,601		Yes (X)
CHRISTINA CONNELL
VICE PRESIDENT OF HUMAN RESOURCES	40.00		$108,642	$0	$16,894		Yes (X)
GEORGE ROSENDAUL
IT DIRECTOR	40.00		$101,119	$0	$14,067		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,028,722	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$161,161	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	7	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp

Contractor Name ContractorName

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	FISERV	BusinessNameLine1Txt

Contractor Address ContractorAddress

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	600 N VEL R PHILLIPS AVE	AddressLine1Txt
City	MILWAUKEE	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	53203	ZIPCd

Field	Value	IRS element (for citing)
Services	CORE DATA PROCESSING; DEBIT AND CREDIT C	ServicesDesc
Compensation	$1,152,196	CompensationAmt

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	1	CntrctRcvdGreaterThan100KCnt
Fundraising	$21,242	FundraisingAmt
Total Contributions	$21,242	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$12,368,480	$12,368,480
INTERCHANGE INCOME	522100	$1,371,594	$1,371,594
INSURANCE/WARRANTY SALES	522100	$772,871	$694,103	$78,768
FEE INCOME	522100	$478,551	$478,551

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,789	TotalRevenueColumnAmt
Related Or Exempt Func Income	$7,789	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$14,999,285	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,848,958	TotalRevenueColumnAmt
Exclusion	$3,848,958	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$4,800	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$4,800	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,800	TotalRevenueColumnAmt
Exclusion	$4,800	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$2,829,287	SecuritiesAmt
Other	$140,362	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$2,784,494	SecuritiesAmt
Other	$145,154	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$44,793	SecuritiesAmt
Other	-$4,792	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$40,001	TotalRevenueColumnAmt
Exclusion	$40,001	ExclusionAmt

Field	Value	IRS element (for citing)
Fundraising Gross Income	$26,240	FundraisingGrossIncomeAmt
Contri Rpt Fundraising Event	$21,242	ContriRptFundraisingEventAmt
Fundraising Direct Expenses	$27,181	FundraisingDirectExpensesAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$941	TotalRevenueColumnAmt
Exclusion	-$941	ExclusionAmt

Field	Value	IRS element (for citing)
Gaming Gross Income	$8,230	GamingGrossIncomeAmt
Gaming Direct Expenses	$0	GamingDirectExpensesAmt

Net Income From Gaming NetIncomeFromGamingGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,230	TotalRevenueColumnAmt
Exclusion	$8,230	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$18,921,575	TotalRevenueColumnAmt
Related Or Exempt Func Income	$14,920,517	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$78,768	UnrelatedBusinessRevenueAmt
Exclusion	$3,901,048	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$95,656	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$3,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$666,974	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$2,601,491	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$158,719	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$583,158	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$251,038	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$33,978	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$119,256	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$55,202	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$228,021	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$476,140	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$229,145	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$16,421	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$129,367	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,774,966	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$251,095	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$70,525	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVIDENDS ON MEMBER SHA	$7,715,342
LOAN SERVICING EXPENSE	$1,079,266
DEBIT CARD EXPENSE	$565,448
PROVISION FOR LOAN LOSS	$375,406

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$440,968	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$17,920,582	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,131,089	BOYAmt
EOY	$2,769,556	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$19,248,375	BOYAmt
EOY	$9,564,217	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$128,312	BOYAmt
EOY	$1,016,707	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$296,365,214	BOYAmt
EOY	$319,980,701	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$320,204	BOYAmt
EOY	$280,442	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$8,810,937	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$2,898,596	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$6,100,065	BOYAmt
EOY	$5,912,341	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$54,764,513	BOYAmt
EOY	$83,504,573	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$11,663,886	BOYAmt
EOY	$11,873,904	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$3,412,508	BOYAmt
EOY	$15,210,970	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$393,134,166	BOYAmt
EOY	$450,113,411	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$4,910,927	BOYAmt
EOY	$5,970,846	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$173,323	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$27,500,000	BOYAmt
EOY	$54,698,127	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$320,107,428	BOYAmt
EOY	$346,602,948	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$352,518,355	BOYAmt
EOY	$407,445,244	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$5,000,000	BOYAmt
EOY	$5,000,000	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$35,615,811	BOYAmt
EOY	$37,668,167	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$40,615,811	BOYAmt
EOY	$42,668,167	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$393,134,166	BOYAmt
EOY	$450,113,411	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$1,000,993	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,170,642	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$119,279	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$866,658	OtherCostOrOtherBasisAmt
Book Value	$866,658	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,382,252	OtherCostOrOtherBasisAmt
Depreciation	$1,577,610	DepreciationAmt
Book Value	$4,804,642	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,562,027	OtherCostOrOtherBasisAmt
Depreciation	$1,320,986	DepreciationAmt
Book Value	$241,041	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,912,341	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES AND DEPOSITS	Desc
Amt	$346,602,948	Amt

Field	Value	IRS element (for citing)
Total Liability	$346,602,948	TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt	$18,921,575	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$18,921,575	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$18,921,575	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$17,920,582	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$17,920,582	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$17,920,582	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART IV, LINE 2B:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR TAXES AND INSURANCE AS PART OF THEIR LOAN PROGRAM.	ExplanationTxt

Schedule G IRS990ScheduleG

Fundraising Event Information FundraisingEventInformationGrp

Field	Value	IRS element (for citing)
Event1	GOLF OUTING	Event1Nm
Gross Receipts Event1	$47,482	GrossReceiptsEvent1Amt
Charitable Contri Event1	$21,242	CharitableContriEvent1Amt
Gross Revenue Event1	$26,240	GrossRevenueEvent1Amt
Food And Beverage Event1	$17,318	FoodAndBeverageEvent1Amt
Other Direct Expenses Event1	$9,188	OtherDirectExpensesEvent1Amt
Gross Receipts Total	$47,482	GrossReceiptsTotalAmt
Charitable Contributions Tot	$21,242	CharitableContributionsTotAmt
Gross Revenue Total Events	$26,240	GrossRevenueTotalEventsAmt
Food And Beverage Total Events	$17,318	FoodAndBeverageTotalEventsAmt
Oth Direct Expnss Total Events	$9,188	OthDirectExpnssTotalEventsAmt
Direct Expense Summary Events	$26,506	DirectExpenseSummaryEventsAmt
Net Income Summary	-$266	NetIncomeSummaryAmt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Recipient Table RecipientTable (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Non Cash AssistanceNonCashAssistanceAmt	Purpose Of GrantPurposeOfGrantTxt
ASHWAUBENON YOUTH BASEBALL ORGANIZATION
1415 AVONDALE DR	GREEN BAY	WI	54313	911914641	501(C)(3)	$50,000	$0	BASEBALL FIELD REBUILD
CHILDREN'S HOSPITAL AND HEALTH SYSTEM INC
PO BOX 1997	MILWAUKEE	WI	53201	391500074	501(C)(3)	$29,206	$0	PROGRAM SUPPORT

Field	Value	IRS element (for citing)
Total501c3 Org	2	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	ALL GRANTS ARE APPROVED VIA A COMMITTEE CONSISTING OF MEMBERS OF THE LEADERSHIP TEAM. IN 2023, THE GRANT MADE TO THE ASHWAUBENON YOUTH BASEBALL ORGANIZATION WAS APPROVED BY BOTH LEADERSHIP AND THE BOARD OF DIRECTORS. PROGRESS ON THE PROJECT WAS MONITORED BY REACHING OUT TO THE GRANTEE REGULARLY.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
DANNY L WOLLIN
PRESIDENT (THRU APRIL 2023)	$206,141	$0	$36,563	$0	$0	$0	$18,213	$0	$16,515	$0	$277,432	$0	$0	$0
SHELLY MELLENBERGER
PRESIDENT	$209,854	$0	$17,472	$0	$0	$0	$16,767	$0	$9,361	$0	$253,454	$0	$0	$0
JOSEPH WOLLIN
VICE PRESIDENT LENDING	$115,791	$0	$9,594	$0	$0	$0	$9,850	$0	$20,117	$0	$155,352	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 1A	FormAndLineReferenceDesc
Explanation	ALL BOARD MEMBERS ARE ELIGIBLE TO USE THE TRAVEL FOR COMPANIONS PROGRAM. IN YEARS OF USE, THE ORGANIZATION WILL ISSUE A 1099-NEC AND THE COMPENSATION IS CONSIDERED TAXABLE COMPENSATION. DURING 2023, THE FOLLOWING BOARD MEMBERS RECEIVED THE TRAVEL FOR COMPANIONS BENEFIT: - DAVE MURRAY $1,351 - ROBERT HATSZEGI $1,849	ExplanationTxt

Schedule L IRS990ScheduleL

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp

Name Of Interested NameOfInterested

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	JOSEPH WOLLIN	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Relationship Description	FAMILY MEMBER OF DANNY WOLLIN (PRESIDENT/CEO)	RelationshipDescriptionTxt
Transaction	$155,352	TransactionAmt
Transaction	EMPLOYMENT COMPENSATION	TransactionDesc
Sharing Of Revenues	0	SharingOfRevenuesInd

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART III, LINE 3	WE OPENED A NEW BRANCH LOCATION IN HOWARD, WI IN OCTOBER 2023. WE ALSO EXPANDED OUR CHARTER TO INCLUDE ANYONE WHO LIVES, WORKS OR IS PART OF A SELECT EMPLOYEE GROUP (SEG) IN THE COUNTIES OF BROWN, DOOR, KEWAUNEE, MARINETTE, OCONTO AND SHAWANO COUNTIES.
FORM 990, PART VI, SECTION A, LINE 4	- THE CREDIT UNION TRANSITIONED FROM A SEG-BASED TO A COMMUNITY CHARTER. - INCREASED THE AREA OF MEMBERSHIP TO INCLUDE BROWN, DOOR, KEWAUNEE, MARINETTE, OCONTO AND SHAWANO COUNTIES.
FORM 990, PART VI, SECTION A, LINE 6	THE ORGANIZATION CONSISTS OF MEMBERS. TO BE A MEMBER, ONE MUST HAVE A SHARE/SAVINGS ACCOUNT. EACH MEMBER HAS ONE VOTE TO ELECT THE GOVERNING BODY (BOARD OF DIRECTORS).
FORM 990, PART VI, SECTION A, LINE 7A	THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP UTILIZING THEIR ONE VOTE PER MEMBER.
FORM 990, PART VI, SECTION A, LINE 7B	EACH MEMBER HAS ONE VOTE TO UTILIZE IN RATIFYING SIGNIFICANT DECISIONS BEYOND THE AUTHORITY OF THE BOARD AS OUTLINED IN THE ORGANIZATION'S BYLAWS. ANY DECISION TO DISSOLVE OR MERGE THE ORGANIZATION REQUIRES APPROVAL OF MEMBERSHIP, UNLESS MANDATED BY REGULATORY AGENCY (I.E., NCUA, WISCONSIN OFFICE OF CREDIT UNIONS).
FORM 990, PART VI, SECTION B, LINE 11B	THE FORM 990 IS REVIEWED BY EXECUTIVE MANAGEMENT PRIOR TO FILING WITH THE IRS.
FORM 990, PART VI, SECTION B, LINE 12C	ON AN ANNUAL BASIS THE OFFICERS, DIRECTORS AND EMPLOYEES ARE REQUIRED TO DISCLOSE ANY FAMILY OR PERSONAL INTEREST INDIVIDUALS. THESE LISTS ARE BLOCKED FROM EMPLOYEE ACCESS.
FORM 990, PART VI, SECTION B, LINE 15	THE CREDIT UNION UTILIZES A THIRD-PARTY COMPENSATION VENDOR, BALANCEDCOMP, TO DETERMINE MARKET RATES AND SALARY RANGES FOR EACH POSITION. THIS INFORMATION IS PROVIDED TO THE BOARD OF DIRECTORS WHO DISCUSS AND THEN DETERMINE THE CEO'S ANNUAL SALARY VIA A VOTE. THE CEO AND HR REVIEW THE INFORMATION FOR ALL OTHER KEY EMPLOYEES AND OFFICERS. THE CEO MAKES THE FINAL DECISION ON KEY EMPLOYEE AND OFFICER SALARIES.
FORM 990, PART VI, SECTION C, LINE 19	FINANCIAL STATEMENTS ARE AVAILABLE TO ALL MEMBERS AT OUR ANNUAL MEETING IN THE ANNUAL REPORT BOOKLET, AND YEAR END FINANCIALS ARE POSTED IN THE LOBBY AT BOTH BRANCHES. ALL OTHERS WOULD BE CONSIDERED UPON REQUEST.
FORM 990, PART XI, LINE 9:	ONE-TIME ADJ. TO UNDIVIDED EARNINGS (CECL) -119,279.