MEMBERS ADVANTAGE CREDIT UNION: Form 990, tax year 2020

View the entire original 990 at ProPublica ↗

Organization: MEMBERS ADVANTAGE CREDIT UNION (EIN 39-6062826)
Tax period: 2020-01-01 to 2020-12-31
Filed: 2021-05-06
IRS object ID: 202121269349300802
Schema version: 2020v4.1
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 I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2021-05-06T07:31:35-05:00	ReturnTs
Tax Period End	2020-12-31	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	PO BOX 8010	AddressLine1Txt
City	WAUSAU	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	544028010	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2020-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	396062826	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	MEMB	BusinessNameControlTxt
Phone	7154211610	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1208	AddressLine1Txt
City	WISCONSIN RAPIDS	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	544951208	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	TAMMY SCHWEBACH-ERDMAN	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	7154211610	PhoneNum
Signature	2021-05-05	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	TAMMY	PersonFirstNm
Person Last	SCHWEBACH-ERDMAN	PersonLastNm

Field	Value	IRS element (for citing)
SSN	XXX-XX-XXXX	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MARY A COATES CPA	PreparerPersonNm
PTIN	P00134220	PTIN
Phone	7158453111	PhoneNum
Preparation	2021-05-05	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	2	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2020	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	THOMAS BULIN	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1208	AddressLine1Txt
City	WISCONSIN RAPIDS	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	544951208	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$7,562,804	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Group Exemption	2157	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.MEMBERSADVANTAGECU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1932	FormationYr
Legal Domicile State	WI	LegalDomicileStateCd
Activity Or Mission	A MEMBER-OWNED FINANCIAL ORGANIZATION DEDICATED TO: MEETING THE CHANGING NEEDS OF MEMBERS IN FRIENDLY & PROFESSIONAL MANNER; PROVIDING A VARIETY OF COMPETITIVELY PRICED FINANCIAL PRODUCTS & FINANCIAL PRODUCTS & SERVICES; & MAINTAINING THE CREDIT UNION'S LONG-TERM STABILITY.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	43	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$2,008	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$6,884,724	PYProgramServiceRevenueAmt
CY Program Service Revenue	$7,379,052	CYProgramServiceRevenueAmt
PY Investment Income	$202,384	PYInvestmentIncomeAmt
CY Investment Income	$183,752	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$7,087,108	PYTotalRevenueAmt
CY Total Revenue	$7,562,804	CYTotalRevenueAmt
PY Grants And Similar Paid	$1,250	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$39,420	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,461,163	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,693,836	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,901,681	PYOtherExpensesAmt
CY Other Expenses	$3,017,066	CYOtherExpensesAmt
PY Total Expenses	$5,364,094	PYTotalExpensesAmt
CY Total Expenses	$5,750,322	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,723,014	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,812,482	CYRevenuesLessExpensesAmt
Total Assets BOY	$122,415,246	TotalAssetsBOYAmt
Total Assets EOY	$145,968,452	TotalAssetsEOYAmt
Total Liabilities BOY	$99,855,735	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$121,596,459	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$22,559,511	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$24,371,993	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	A MEMBER-OWNED FINANCIAL ORGANIZATION DEDICATED TO: MEETING THE CHANGING NEEDS OF MEMBERS IN FRIENDLY & PROFESSIONAL MANNER; PROVIDING A VARIETY OF COMPETITIVELY PRICED FINANCIAL PRODUCTS & FINANCIAL PRODUCTS & SERVICES; & MAINTAINING THE CREDIT UNION'S LONG-TERM STABILITY.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	WE FUNDED 1,346 LOANS DURING 2020. AS OF 12/31/20, WE HAD $42,105,699 IN MORTGAGES/HOME EQUITY LINES, $42,105,699 IN CONSUMER LOANS AND $12,230,987,059 IN MEMBER BUSINESS LOANS. WE ALSO HAD 1,607 CREDIT CARD ACCOUNTS WITH OUR MEMBERS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	WE HAVE DEPOSIT, TRANSACTION, AND INVESTMENT ACCOUNTS WITH 12,100 MEMBERS AT 12/31/20. DURING 2020, WE OPENED 1,078 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	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	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	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	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	3713	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	43	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	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	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	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	TAMMY SCHWEBACH-ERDMAN CFO	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	7154211610	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1208	AddressLine1Txt
City	WISCONSIN RAPIDS	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	544951208	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (13 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Highest Compensated EmployeeHighestCompensatedEmployeeInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
HAYLEY MARSCHKE
MORTGAGE ORIGINATOR	40.00	Yes (X)	$208,426	$0	$31,365
THOMAS BULIN
CEO	40.00		$265,562	$0	$67,575	Yes (X)
SCOTT VANDEHEY
EVP	40.00		$150,183	$0	$49,793	Yes (X)
TAMMY SCHWEBACH-ERDMAN
CFO	40.00		$148,702	$0	$42,959	Yes (X)
THOMAS SCHARFF
CHAIR	1.00		$0	$0	$0	Yes (X)	Yes (X)
GARY PHILLIPS
VICE-CHAIR	1.00		$0	$0	$0	Yes (X)	Yes (X)
RONALD SCHWANZ
TREASURER	1.00		$0	$0	$0	Yes (X)	Yes (X)
LEANNE PEARSON
SECRETARY	1.00		$0	$0	$0	Yes (X)	Yes (X)
JOE BREDL
DIRECTOR	1.00		$0	$0	$0		Yes (X)
DONNA RASMUSSEN
DIRECTOR	1.00		$0	$0	$0		Yes (X)
MARY ELLEN SCHARFF
DIRECTOR	1.00		$0	$0	$0		Yes (X)
JACK UTTERMARK
DIRECTOR	1.00		$0	$0	$0		Yes (X)
RICH WATER
DIRECTOR	1.00		$0	$0	$0		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$772,873	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$191,692	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	4	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	STRATA DEFENSE	BusinessNameLine1Txt

Contractor Address ContractorAddress

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	8400 HIGHLAND DR	AddressLine1Txt
City	WAUSAU	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54401	ZIPCd

Field	Value	IRS element (for citing)
Services	IT/COMPUTERS	ServicesDesc
Compensation	$145,866	CompensationAmt

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	1	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$4,606,873	$4,606,873
MEMBER FEE INCOME	522100	$2,772,179	$2,770,171	$2,008

Field	Value	IRS element (for citing)
Total Program Service Revenue	$7,379,052	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$173,253	TotalRevenueColumnAmt
Exclusion	$173,253	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$10,499	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$10,499	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$10,499	TotalRevenueColumnAmt
Exclusion	$10,499	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,562,804	TotalRevenueColumnAmt
Related Or Exempt Func Income	$7,377,044	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$2,008	UnrelatedBusinessRevenueAmt
Exclusion	$183,752	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$39,420	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$724,774	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,419,358	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$44,823	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$384,726	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$120,155	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$26,532	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$11,052	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$24,041	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$211,244	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$175,739	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$180,959	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$7,891	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$52,706	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$50	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$325,534	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$43,002	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVIDENDS ON MEMBER SHA	$735,651
LOAN & CLOSING COSTS	$444,821
DEBIT CARD EXPENSES	$356,045
PROVISION FOR LOAN LOSS	$181,000

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$240,799	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,750,322	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,658,821	BOYAmt
EOY	$1,443,719	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$2,261,736	BOYAmt
EOY	$19,858,078	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$251,789	BOYAmt
EOY	$234,759	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$95,813,079	BOYAmt
EOY	$90,929,819	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$136,212	BOYAmt
EOY	$118,307	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$6,349,193	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,817,342	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$4,657,457	BOYAmt
EOY	$4,531,851	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$11,334,708	BOYAmt
EOY	$22,241,486	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$6,301,444	BOYAmt
EOY	$6,610,433	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$122,415,246	BOYAmt
EOY	$145,968,452	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$2,484,555	BOYAmt
EOY	$2,943,400	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$97,371,180	BOYAmt
EOY	$118,653,059	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$99,855,735	BOYAmt
EOY	$121,596,459	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	$22,559,511	BOYAmt
EOY	$24,371,993	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$22,559,511	BOYAmt
EOY	$24,371,993	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$122,415,246	BOYAmt
EOY	$145,968,452	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,812,482	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$0	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

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$905,598	OtherCostOrOtherBasisAmt
Book Value	$905,598	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,875,326	OtherCostOrOtherBasisAmt
Depreciation	$983,288	DepreciationAmt
Book Value	$2,892,038	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,119,478	OtherCostOrOtherBasisAmt
Depreciation	$662,977	DepreciationAmt
Book Value	$456,501	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$448,791	OtherCostOrOtherBasisAmt
Depreciation	$171,077	DepreciationAmt
Book Value	$277,714	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$4,531,851	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (7 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
DEPOSIT IN COMMERCIAL BANKS	$3,224,000	C
LOANS TO AND INVESTMENTS IN NATURAL PERSON CREDIT UNIONS	$2,480,000	C
NONPERPETUAL CAPITAL ACCOUNT	$700,114	C
PERPETUAL CONTRIBUTED CAPITAL	$218,000	C
ALL OTHER INVESTMENTS IN CORPORATE CREDIT UNIONS	$12,950,000	C
ALL OTHER INVESTMENTS	$158,800	C
LOANS HELD FOR SALE	$2,510,572	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$22,241,486	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES & DEPOSITS	Desc
Amt	$118,653,059	Amt

Field	Value	IRS element (for citing)
Total Liability	$118,653,059	TotalLiabilityAmt

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	Purpose Of GrantPurposeOfGrantTxt
PORTAGE COUNTY HHS ADMINISTRATORS
1516 CHURCH ST	STEVENS POINT	WI	54481	396005731	GOV'T	$7,500	PROGRAM ASSISTANCE
WOOD COUNTY HUMAN SERVICES
111 WEST JACKSON ST	WISCONSIN RAPIDS	WI	54495	396005763	GOV'T	$7,500	PROGRAM ASSISTANCE

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	THE ORGANIZATION MONITORS THE USE OF GRANTS THROUGH CONVERSATIONS, THROUGH INDIVIDUALS TALKING IN THE COMMUNITY OR STOPPING BY THE ORGANIZATION.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
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
HAYLEY MARSCHKE
MORTGAGE ORIGINATOR	$29,111	$0	$179,315	$0	$0	$0	$2,250	$0	$29,115	$0	$239,791	$0	$0	$0
THOMAS BULIN
CEO	$209,080	$0	$47,591	$0	$8,891	$0	$22,474	$0	$45,101	$0	$333,137	$0	$0	$0
SCOTT VANDEHEY
EVP	$126,328	$0	$23,855	$0	$0	$0	$8,221	$0	$41,572	$0	$199,976	$0	$0	$0
TAMMY SCHWEBACH-ERDMAN
CFO	$125,302	$0	$23,400	$0	$0	$0	$8,064	$0	$34,895	$0	$191,661	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	THOMAS BULIN PARTICIPATES IN A 457F PLAN WITH THE CREDIT UNION. IN 2020 THE ORGANIZATION DEFERRED $8,603 TO HIS 457F PLAN.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 2	THE BOARD CHAIR, THOMAS SCHARFF, AND A BOARD DIRECTOR, MARY ELLEN SCHARFF, ARE BROTHER AND SISTER.
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 DECISIONS TO DISSOLVE OR MERGE THE ORGANIZATION REQUIRES APPROVAL OF MEMBERSHIP, UNLESS MANDATED BY REGULATORY AGENCY (I.E., NCUA, WISCONSIN OFFICE OF CREDIT UNION).
FORM 990, PART VI, SECTION B, LINE 11B	A COPY OF THE 990 IS REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS BEFORE IT IS FILED BY THE IRS.
FORM 990, PART VI, SECTION B, LINE 12C	NO DIRECTOR, OFFICER, COMMITTEE MEMBER, AGENT OR EMPLOYEE OF THIS CREDIT UNION SHALL IN ANY MANNER, DIRECTLY OR INDIRECTLY, PARTICIPATE IN THE DELIBERATION UPON OR THE DETERMINATION OF ANY QUESTION AFFECTING HIS OR HER PECUNIARY OR PERSONAL INTEREST OR THE PECUNIARY INTEREST OF ANY ORGANIZATION OR ASSOCIATION IN WHICH THE PERSON IS DIRECTLY OR INDIRECTLY INTERESTED. IN THE EVENT OF DISQUALIFICATION OF ANY DIRECTOR OR MEMBER OF THE CREDIT COMMITTEE RESPECTING ANY MATTER PRESENTED O THE BOARD OR CREDIT COMMITTEE FOR DELIBERATION OR DETERMINATION, SUCH DIRECTOR OR COMMITTEE MEMBER SHALL WITHDRAW FROM THE DELIBERATION OR DETERMINATION. IF A DIRECTOR OR CREDIT COMMITTEE MEMBER WITHDRAWS FROM ANY DELIBERATION OR DETERMINATION, THE REMAINING QUALIFIED DIRECTORS OR CREDIT COMMITTEE MEMBERS PRESENT AT THE MEETING MAY EXERCISE ALL POWERS OF THE BOARD OR CREDIT COMMITTEE, PROVIDED THE NUMBER OF DIRECTORS OR CREDIT COMMITTEE MEMBERS PRESENT, INCLUDING THE DISQUALIFIED DIRECTORS OR MEMBERS, CONSTITUTES A QUORUM.
FORM 990, PART VI, SECTION B, LINE 15	COMPENSATION IS DECIDED BY COMPARATIVE DATA FROM CUES AND THEN IS DETERMINED BY THE BOARD OF DIRECTORS. THE CEO COMPENSATION IS DONE IN A CLOSED SESSION BY THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AVAILABLE UPON REQUEST THROUGH THE CFO. FINANCIALS ARE ON THE ORGANIZATION'S WEBSITE, ANNUAL MEETING AND ENTRANCES OF BUILDINGS.