CO-OP CREDIT UNION: Form 990, tax year 2024

View the entire original 990 at ProPublica ↗

Organization: CO-OP CREDIT UNION (EIN 39-0745853)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-05-07
IRS object ID: 202541279349302064
Schema version: 2024v5.1
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 B
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2025-05-07T10:08:51-05:00	ReturnTs
Tax Period End	2024-12-31	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	2024-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	390745853	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CO-OP CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CO-O	BusinessNameControlTxt
Phone	8002580023	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	100 E MAIN ST	AddressLine1Txt
City	BLACK RIVER FALLS	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54615	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MEGAN ELLINGSON	PersonNm
Person Title	CHIEF FINANCIAL OFFICER	PersonTitleTxt
Phone	7152845333	PhoneNum
Signature	2025-05-07	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	2025-05-01	PreparationDt

Field	Value	IRS element (for citing)
Tax	2024	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	TIMOTHY TRANBERG	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	100 E MAIN ST	AddressLine1Txt
City	BLACK RIVER FALLS	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54615	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$29,212,099	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.COOPCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1938	FormationYr
Legal Domicile State	WI	LegalDomicileStateCd
Activity Or Mission	SERVING OUR MEMBERS, WHERE THEY ARE, THROUGH ALL STAGES OF LIFE.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	121	TotalEmployeeCnt
Total Volunteers	13	TotalVolunteersCnt
Total Gross UBI	$9,846	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$106,099	PYContributionsGrantsAmt
CY Contributions Grants	$28,614	CYContributionsGrantsAmt
PY Program Service Revenue	$19,782,014	PYProgramServiceRevenueAmt
CY Program Service Revenue	$25,801,631	CYProgramServiceRevenueAmt
PY Investment Income	$2,204,556	PYInvestmentIncomeAmt
CY Investment Income	$3,261,311	CYInvestmentIncomeAmt
PY Other Revenue	$53,823	PYOtherRevenueAmt
CY Other Revenue	$74,117	CYOtherRevenueAmt
PY Total Revenue	$22,146,492	PYTotalRevenueAmt
CY Total Revenue	$29,165,673	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$48,303	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$6,492,343	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$7,232,618	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$12,074,533	PYOtherExpensesAmt
CY Other Expenses	$18,422,351	CYOtherExpensesAmt
PY Total Expenses	$18,566,876	PYTotalExpensesAmt
CY Total Expenses	$25,703,272	CYTotalExpensesAmt
PY Revenues Less Expenses	$3,579,616	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,462,401	CYRevenuesLessExpensesAmt
Total Assets BOY	$533,756,251	TotalAssetsBOYAmt
Total Assets EOY	$571,744,845	TotalAssetsEOYAmt
Total Liabilities BOY	$475,703,152	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$508,934,896	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$58,053,099	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$62,809,949	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	SERVING OUR MEMBERS, WHERE THEY ARE, THROUGH ALL STAGES OF LIFE.	MissionDesc
Significant New Program Srvc	Yes (1)	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	CCU HAD DEPOSIT, TRANSACTION, AND INVESTMENT ACCOUNTS WITH 23,265 OF OUR MEMBERS AT 12/31. DURING 2024, CCU OPENED 8,346 NEW DEPOSIT, TRANSACTION AND INVESTMENT ACCOUNTS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	CCU FUNDED 3,543 LOANS DURING 2024. AS OF 12/31/24, CCU SERVICED 3,936 MORTGAGES/HOME EQUITY LOANS, 7,955 CONSUMER LOANS, 871 MEMBER BUSINESS LOANS, AND 3,284 CREDIT CARD ACCOUNTS WITH OUR MEMBERS.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	Yes (1)	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	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	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	13378	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	121	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	Yes (1)	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	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	Yes (1)	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	0	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	MEGAN ELLINGSON	PersonNm
Phone	8002580023	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	100 E MAIN ST	AddressLine1Txt
City	BLACK RIVER FALLS	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54615	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (15 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
SARAH LEBAKKEN
VICE CHAIR	1.00	Yes (X)	Yes (X)	$9,036	$0	$0
DAVID OVERLIEN
SECRETARY	1.00	Yes (X)	Yes (X)	$7,627	$0	$0
TIMOTHY TORKELSON
CHAIR	1.00	Yes (X)	Yes (X)	$7,432	$0	$0
DAVID OLSON
DIRECTOR	1.00	Yes (X)		$7,090	$0	$0
CAROL MARTIN
DIRECTOR	1.00	Yes (X)		$7,042	$0	$0
TIMOTHY BYOM
DIRECTOR	1.00	Yes (X)		$6,840	$0	$0
STEVEN HOGDEN
TREASURER	1.00	Yes (X)	Yes (X)	$6,528	$0	$0
ERIC CHRISINGER
PRESIDENT/CEO (THRU 6/24)	40.00		Yes (X)	$232,250	$0	$45,982
TIMOTHY TRANBERG
PRESIDENT/CEO	40.00		Yes (X)	$206,298	$0	$45,574
JAYME THOMPSON
CHIEF LENDING OFFICER	40.00		Yes (X)	$118,917	$0	$15,271
MARIANNE TORKELSON
CHIEF DEVELOPMENT OFFICER	40.00		Yes (X)	$109,949	$0	$27,752
MICHELE STEIEN
CHIEF TALENT OFFICER	40.00		Yes (X)	$127,059	$0	$31,490
MEGAN ELLINGSON
CHIEF FINANCIAL OFFICER	40.00		Yes (X)	$109,472	$0	$44,921
KRIS GOETZKA
CHIEF OPERATIONS OFFICER	40.00		Yes (X)	$107,342	$0	$33,206
ERIC SKOGSTAD
VP - AUDIT & COMP	40.00			$103,328	$0	$12,291	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,166,210	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$256,487	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	8	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	GODFREY & KAHN SC	BusinessNameLine1Txt

Contractor Address ContractorAddress

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	BIN318	AddressLine1Txt
City	MILWAUKEE	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	53288	ZIPCd

Field	Value	IRS element (for citing)
Services	LEGAL ADVISOR	ServicesDesc
Compensation	$114,957	CompensationAmt

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	1	CntrctRcvdGreaterThan100KCnt
Government Grants	$28,614	GovernmentGrantsAmt
Total Contributions	$28,614	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$22,976,763	$22,976,763
OTHER MEMBER SERVICE FEES	522100	$2,081,444	$2,071,598	$9,846
MEMBER LOAN FEES	522100	$390,325	$390,325
INSURANCE SALES	522100	$237,276	$237,276
OFFICER LOAN INCOME	522100	$94,198	$94,198

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$21,625	TotalRevenueColumnAmt
Related Or Exempt Func Income	$21,625	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$25,801,631	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,238,387	TotalRevenueColumnAmt
Exclusion	$3,238,387	ExclusionAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$45,915	TotalRevenueColumnAmt
Exclusion	$45,915	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$18,632	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	$18,632	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$18,632	TotalRevenueColumnAmt
Exclusion	$18,632	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$69,350	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$46,426	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$22,924	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$22,924	TotalRevenueColumnAmt
Exclusion	$22,924	ExclusionAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$9,570	TotalRevenueColumnAmt
Related Or Exempt Func Income	$9,570	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$9,570	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$29,165,673	TotalRevenueColumnAmt
Related Or Exempt Func Income	$25,801,355	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$9,846	UnrelatedBusinessRevenueAmt
Exclusion	$3,325,858	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$48,303	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,307,077	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,241,618	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$327,030	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,992,560	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$364,333	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$114,957	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$45,114	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$124,487	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$443,523	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$749,050	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$875,487	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$486,066	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$58,793	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$149,116	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$9,901	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$705,776	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$94,663	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVIDENDS ON SHARES	$11,595,665
CARDS & ATM EXPENSE	$1,754,232
SERVICING EXPENSE	$526,465
PROVISION FOR CREDIT LO	$328,863

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$360,193	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$25,703,272	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$8,056,662	BOYAmt
EOY	$2,983,638	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$45,915,083	BOYAmt
EOY	$59,519,080	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$64,925	BOYAmt
EOY	$1,460,440	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$3,652,495	BOYAmt
EOY	$3,732,402	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$434,401,945	BOYAmt
EOY	$458,219,186	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$463,925	BOYAmt
EOY	$437,432	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$16,034,606	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,800,061	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$9,388,282	BOYAmt
EOY	$9,234,545	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$2,104,571	BOYAmt
EOY	$11,028,322	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
EOY	$1,492,000	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$9,074,801	BOYAmt
EOY	$3,287,943	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$20,633,562	BOYAmt
EOY	$20,349,857	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$533,756,251	BOYAmt
EOY	$571,744,845	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$4,472,448	BOYAmt
EOY	$4,575,690	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$188,079	BOYAmt
EOY	$165,201	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$1,284,035	BOYAmt
EOY	$1,426,469	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$469,758,590	BOYAmt
EOY	$502,767,536	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$475,703,152	BOYAmt
EOY	$508,934,896	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	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$58,053,099	BOYAmt
EOY	$62,809,949	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$58,053,099	BOYAmt
EOY	$62,809,949	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$533,756,251	BOYAmt
EOY	$571,744,845	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$3,462,401	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$218,548	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$1,075,901	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 B IRS990ScheduleB

Contributor Information ContributorInformationGrp

Field	Value	IRS element (for citing)
Contributor	RESTRICTED	ContributorNum

Contributor Business Name ContributorBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RESTRICTED	BusinessNameLine1

Contributor US Address ContributorUSAddress

Field	Value	IRS element (for citing)
Address Line1	RESTRICTED	AddressLine1
Address Line2	RESTRICTED	AddressLine2
City	RESTRICTED	City
State	RESTRICTED	State
ZIP Code	RESTRICTED	ZIPCode

Field	Value	IRS element (for citing)
Total Contributions	RESTRICTED	TotalContributionsAmt

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	$1,333,614	OtherCostOrOtherBasisAmt
Book Value	$1,333,614	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,596,976	OtherCostOrOtherBasisAmt
Depreciation	$3,074,367	DepreciationAmt
Book Value	$6,522,609	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,102,403	OtherCostOrOtherBasisAmt
Depreciation	$3,725,694	DepreciationAmt
Book Value	$1,376,709	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,613	OtherCostOrOtherBasisAmt
Book Value	$1,613	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$9,234,545	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBERS SHARES & DEPOSITS	Desc
Amt	$502,767,536	Amt

Field	Value	IRS element (for citing)
Total Liability	$502,767,536	TotalLiabilityAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART IV, LINE 2B:	FormAndLineReferenceDesc
Explanation	THE ORGANIZATION MAINTAINS ESCROW ACCOUNTS FOR MEMBERS' REAL ESTATE TAXES AND INSURANCE FOR MEMBERS WHO CARRY A MORTGAGE LOAN.	ExplanationTxt

Schedule J IRS990ScheduleJ

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

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (4 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
ERIC CHRISINGER
PRESIDENT/CEO (THRU 6/24)	$199,504	$0	$25,000	$0	$7,746	$0	$23,225	$0	$22,757	$0	$278,232	$0	$0	$0
TIMOTHY TRANBERG
PRESIDENT/CEO	$166,932	$0	$32,318	$0	$7,048	$0	$20,630	$0	$24,944	$0	$251,872	$0	$0	$0
MICHELE STEIEN
CHIEF TALENT OFFICER	$94,127	$0	$22,572	$0	$10,360	$0	$12,706	$0	$18,784	$0	$158,549	$0	$0	$0
MEGAN ELLINGSON
CHIEF FINANCIAL OFFICER	$84,108	$0	$23,056	$0	$2,308	$0	$10,947	$0	$33,974	$0	$154,393	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

PART I, LINE 1A

ALL EMPLOYEES ARE OFFERED GOLF AND WELLNESS MEMBERSHIPS AT 50% UP TO $400. THE PRESIDENT/CEO'S GOLF MEMBERSHIP IS PAID FOR IN FULL BY THE CREDIT UNION. EXPENSES FOR OFFICERS AND HIGHEST COMPENSATED EMPLOYEES ARE AS FOLLOWS AND WERE INCLUDED IN TAXABLE COMPENSATION: GOLF MEMBERSHIP PARTICIPANTS: ERIC SKOGSTAD $400 TIM TRANBERG $918 JAYME THOMPSON $213 WELLNESS REIMBURSEMENT PARTICIPANTS: MEGAN ELLINGSON $368 JAYME THOMPSON $400 MARIANNE TORKELSON $180

PART I, LINE 4B

MARIANNE TORKELSON AND KARLA LAUFENBERG PARTICIPATE IN A DEFERRED BONUS PLAN. ACCRUALS RELATING TO THIS PLAN DURING 2024: - MARIANNE TORKELSON $15,168 - KARLA LAUFENBERG $5,208 THERE WERE NO PAYOUTS FROM THIS PLAN DURING 2024.

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (4 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
TIMOTHY TRANBERG
OFFICER	LIFE INSURANCE LIABILITY - SPLIT DOLLAR LIFE INSURANCE AGREEMENT	Yes (X)	$124,843	$1,294,727	0	Yes (1)	Yes (1)
MICHELE STEIEN
OFFICER	LIFE INSURANCE LIABILITY - SPLIT DOLLAR LIFE INSURANCE AGREEMENT	Yes (X)	$72,742	$815,773	0	Yes (1)	Yes (1)
KRISTINE GOETZKA
OFFICER	LIFE INSURANCE LIABILITY - SPLIT DOLLAR LIFE INSURANCE AGREEMENT	Yes (X)	$73,134	$820,169	0	Yes (1)	Yes (1)
MEGAN ELLINGSON
OFFICER	LIFE INSURANCE LIABILITY - SPLIT DOLLAR LIFE INSURANCE AGREEMENT	Yes (X)	$71,490	$801,733	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$3,732,402	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART III, LINE 2	LA CROSSE BURLINGTON CREDIT UNION WAS ACQUIRED 12/1/2024.
FORM 990, PART VI, SECTION A, LINE 2	TIMOTHY TORKELSON AND MARIANNE TORKELSON HAVE A FAMILY RELATIONSHIP.
FORM 990, PART VI, SECTION A, LINE 6	MEMBERSHIP ID DEFINED BY THE ORGANIZATION'S BYLAWS AND IS LOCATED ON THEIR WEBSITE. GENERALLY DEPOSITORS ARE ELIGIBLE TO BE MEMBERS OF THE ORGANIZATIONS, THERE ARE CERTAIN GEOGRAPHIC REQUIREMENTS AND THERE ARE MEMBERSHIP DESIGNATIONS FOR CERTAIN EMPLOYEE AND FORMER EMPLOYEE GROUPS.
FORM 990, PART VI, SECTION A, LINE 7A	THE BOARD OF DIRECTORS SERVE A THREE YEAR TERM AND ARE ELECTED BY THE MEMBERS.
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 ORGANIZATION PROVIDED THE INFORMATION NECESSARY TO THE ACCOUNTING FIRM TO PREPARE THE FORM 990. THE FORM 990 WAS THEN GIVEN TO MANAGEMENT FOR REVIEW AND BOARD APPROVAL PRIOR TO FILING IT WITH THE IRS.
FORM 990, PART VI, SECTION B, LINE 12C	THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS CONSTANTLY MONITORED. EACH TIME AN ISSUE ARISES, THE POLICY IS REVIEW TO ENSURE COMPLIANCE.
FORM 990, PART VI, SECTION B, LINE 15A	THE CHIEF TALENT OFFICER LEADS THE REVIEW OF SALARY AND BENEFIT INFORMATION; WHICH IS COMPARED TO SURVEYS WE RECEIVE ANNUALLY FROM AMERICA'S CREDIT UNION AND WESTERN & CENTRAL WI WAGE SURVEY. THE WESTERN & CENTRAL WI WAGE SURVEY REVIEWS CERTAIN POSITIONS ON A ROTATING BASIS ACROSS MULTIPLE INDUSTRIES. THE PRESIDENT/CEO AND CHIEF TALENT OFFICER JOINTLY REVIEW THE COMPENSATION OF OFFICERS AND KEY EMPLOYEES. THE DOCUMENT IS MAINTAINED BY THE CHIEF TALENT OFFICER. THE BOARD REVIEWS THE PRESIDENT/CEO'S COMPENSATION TO THE SURVEYS AND OTHER CREDIT UNION'S 990S DURING ITS EXECUTIVE SESSION.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION'S RECORDS ARE KEPT AT THE CREDIT UNION FOR PUBLIC INSPECTION AND MEMBERS ARE ADVISED TO REQUEST THESE DOCUMENTS AT THE ANNUAL MEETING.
FORM 990, PART XI, LINE 9:	EQUITY ACQUIRED IN MERGER 1,075,901.