SUPERIOR CHOICE CREDIT UNION: Form 990, tax year 2019

View the entire original 990 at ProPublica ↗

Organization: SUPERIOR CHOICE CREDIT UNION (EIN 39-0906277)
Tax period: 2019-01-01 to 2019-12-31
Filed: 2020-11-16
IRS object ID: 202013219349307506
Schema version: 2019v5.1
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	2020-11-16T11:12:08-06:00	ReturnTs
Tax Period End	2019-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	390912608	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	HAWKINS ASH CPAS LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	520 N BROADWAY SUITE 250	AddressLine1Txt
City	GREEN BAY	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54303	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2019-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	390906277	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	SUPE	BusinessNameControlTxt
Phone	8005694167	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1320 GRAND AVENUE	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	BEN ALTONEN	PersonNm
Person Title	EVP/CHIEF FINANCIAL OFFICER	PersonTitleTxt
Phone	7153925616	PhoneNum
Signature	2020-11-06	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JEFFREY DANEN	PreparerPersonNm
PTIN	P01236582	PTIN
Phone	9203369850	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	192.55.242.200	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2020-11-06	IPDt
IP Tm	09:53:40	IPTm
IP Timezone	CS	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	C1549D9ADAC89BAB07F3B78CEB00B58B49240047	AtSubmissionCreationDeviceId
At Submission Filing Device Id	377D763014E352B107835AEFA6100F4621694339	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2019	TaxYr
Build TS	2022-01-07 14:23:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	GARY ELLIOTT	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1320 GRAND AVENUE	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$26,223,319	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.SUPERIORCHOICE.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1932	FormationYr
Legal Domicile State	WI	LegalDomicileStateCd
Activity Or Mission	A NOT-FOR-PROFIT MEMBER-OWNED FINANCIAL INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO OUR MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	184	TotalEmployeeCnt
Total Volunteers	29	TotalVolunteersCnt
Total Gross UBI	$42,590	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$21,645,099	PYProgramServiceRevenueAmt
CY Program Service Revenue	$24,649,708	CYProgramServiceRevenueAmt
PY Investment Income	$1,706,650	PYInvestmentIncomeAmt
CY Investment Income	$1,268,880	CYInvestmentIncomeAmt
PY Other Revenue	$324,588	PYOtherRevenueAmt
CY Other Revenue	$92,707	CYOtherRevenueAmt
PY Total Revenue	$23,676,337	PYTotalRevenueAmt
CY Total Revenue	$26,011,295	CYTotalRevenueAmt
PY Grants And Similar Paid	$7,750	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$7,750	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$6,846,777	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$8,586,825	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$10,905,888	PYOtherExpensesAmt
CY Other Expenses	$12,354,976	CYOtherExpensesAmt
PY Total Expenses	$17,760,415	PYTotalExpensesAmt
CY Total Expenses	$20,949,551	CYTotalExpensesAmt
PY Revenues Less Expenses	$5,915,922	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$5,061,744	CYRevenuesLessExpensesAmt
Total Assets BOY	$474,858,507	TotalAssetsBOYAmt
Total Assets EOY	$492,403,882	TotalAssetsEOYAmt
Total Liabilities BOY	$426,847,831	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$438,438,071	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$48,010,676	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$53,965,811	NetAssetsOrFundBalancesEOYAmt
Mission	A NOT-FOR-PROFIT MEMBER-OWNED FINANCIAL INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO OUR MEMBERS. OPERATIONS ARE PRIMARILY RELATED TO HOLDING DEPOSITS FOR AND MAKING LOANS TO MEMBERS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	FINANCIAL SERVICE PROVIDER TO INCLUDE LOANS, DEPOSITS, AND TRANSACTIONAL SERVICES TO ALL MEMBERS.	Desc
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	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	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	724	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	184	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
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
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	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	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	GARY ELLIOTT	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	7153925616	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1320 GRAND AVENUE	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (14 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
WILLIAM ANDERSON
EXCEUTIVE VICE CHAIR	1.00	Yes (X)	Yes (X)	$7,200	$0	$0
JAMES LARSON
VICE CHAIR - AUDIT	1.00	Yes (X)		$4,200	$0	$0
GREG RUNNING
VICE CHAIR - ALCO	1.00	Yes (X)		$4,200	$0	$0
MARK CASPER
CHAIRMAN OF THE BOARD	1.00	Yes (X)	Yes (X)	$7,200	$0	$0
PAUL GILBERTSON
TREASURER	1.00	Yes (X)	Yes (X)	$5,400	$0	$0
PAMELA TAFALSKI
VICE CHAIR - LOAN	1.00	Yes (X)		$4,800	$0	$0
CHARLIE GLAZMAN
VICE CHAIR - PERSONNEL	1.00	Yes (X)		$3,600	$0	$0
GARY ELLIOTT
PRESIDENT & CEO	40.00		Yes (X)	$329,508	$0	$136,176
BENJAMIN ALTONEN
EVP/CHIEF FINANCIAL OFFICE	40.00		Yes (X)	$216,554	$0	$36,010
JOEL BRAUN
EVP/CHIEF LENDING OFFICER	40.00		Yes (X)	$223,617	$0	$14,545
NATHAN TEPOEL
VP BRANCH OPERATIONS	40.00		Yes (X)	$194,314	$0	$55,595
SANDIE ZANDER
VP COMPLIANCE OFFICER	40.00			$148,649	$0	$17,689	Yes (X)
JOYE BEDARD
VP COMMERCIAL SALES	40.00			$118,873	$0	$32,299	Yes (X)
DAVID STRUM
VP COMMERCIAL SALES	40.00			$128,560	$0	$32,108	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,396,675	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$324,422	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 (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
DATA FINANCIAL INC
1100 GLEN OAKS LN	MEQUON	WI	53092	EQUIPMENT SALES AND SERVICES	$877,179
FIRST DATA CORP
1000 CARR RD	WILMINGTON	DE	19809	INSTANT CASH SERVICE AND SUPPORT	$406,577
CW TECHNOLOGY
5614 GRAND AVE	DULUTH	MN	55802	IT SUPPORT SERVICES	$343,095
CU ANSWERS
600 28 ST SE STE 100	GRAND RAPIDS	MI	49546	SOFTWARE AND COMPUTER PROCESSING	$294,157
OUT THERE ADVERTISING
22 E 2ND ST	DULUTH	MN	55802	ADVERTISING, CONSULTING, AND MEDIA PACKA	$271,163

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$19,551,099	$19,551,099
FEE INCOME	522100	$3,229,639	$3,216,339	$13,300
INTERCHANGE FEES	522100	$1,310,440	$1,310,440
OTHER OPERATING REVENUE	522100	$315,132	$315,132
INSURANCE SALES & COMMISSIONS	524298	$243,398	$214,108	$29,290

Field	Value	IRS element (for citing)
Total Program Service Revenue	$24,649,708	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,458,701	TotalRevenueColumnAmt
Exclusion	$1,458,701	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$89,153	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$22,203	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$66,950	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$66,950	TotalRevenueColumnAmt
Related Or Exempt Func Income	$66,950	RelatedOrExemptFuncIncomeAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$189,821	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$189,821	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$189,821	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$189,821	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	NON-OPERATING INCOME	Desc
Business	522100	BusinessCd
Total Revenue Column	$25,757	TotalRevenueColumnAmt
Related Or Exempt Func Income	$25,757	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$25,757	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$26,011,295	TotalRevenueColumnAmt
Related Or Exempt Func Income	$24,510,004	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$42,590	UnrelatedBusinessRevenueAmt
Exclusion	$1,458,701	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$7,750	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,396,675	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$5,987,469	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$78,403	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$603,521	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$520,757	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$39,377	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$1,290	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$286,090	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$572,637	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,757,698	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$667,757	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$637,059	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$173,106	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,136,666	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$763,910	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$113,959	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVS ON SHARES	$3,747,673
PROVISION FOR BAD DEBT	$1,227,334
OTHER EXPENSES	$605,211
LOAN ORIGINATION & SERV	$455,435

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$169,774	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$20,949,551	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$55,240,570	BOYAmt
EOY	$48,133,168	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$7,310,374	BOYAmt
EOY	$8,781,552	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$121,078	BOYAmt
EOY	$395,272	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$378,583,821	BOYAmt
EOY	$387,408,121	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$475,907	BOYAmt
EOY	$1,310,215	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$21,323,083	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$11,170,689	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$10,478,402	BOYAmt
EOY	$10,152,394	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$4,920,958	BOYAmt
EOY	$15,382,621	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$2,069,339	BOYAmt
EOY	$2,343,569	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$5,928,478	BOYAmt
EOY	$5,744,587	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$9,729,580	BOYAmt
EOY	$12,752,383	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$474,858,507	BOYAmt
EOY	$492,403,882	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$2,940,059	BOYAmt
EOY	$4,524,410	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$42,500,000	BOYAmt
EOY	$34,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$381,407,772	BOYAmt
EOY	$399,913,661	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$426,847,831	BOYAmt
EOY	$438,438,071	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	$33,328,000	BOYAmt
EOY	$33,328,000	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$14,682,676	BOYAmt
EOY	$20,637,811	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$48,010,676	BOYAmt
EOY	$53,965,811	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$474,858,507	BOYAmt
EOY	$492,403,882	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$5,061,744	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$178,395	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$714,996	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	Yes (1)	AgentTrusteeEtcInd
Beginning Balance	$1,367,698	BeginningBalanceAmt
Additions During Year	$2,728,602	AdditionsDuringYearAmt
Distributions During Year	$2,733,352	DistributionsDuringYearAmt
Ending Balance	$1,362,949	EndingBalanceAmt
Incl Escrow Custodial Acct Liab	0	InclEscrowCustodialAcctLiabInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,236,438	OtherCostOrOtherBasisAmt
Book Value	$2,236,438	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$11,085,446	OtherCostOrOtherBasisAmt
Depreciation	$4,353,493	DepreciationAmt
Book Value	$6,731,953	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,738,344	OtherCostOrOtherBasisAmt
Depreciation	$6,817,196	DepreciationAmt
Book Value	$921,148	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$262,855	OtherCostOrOtherBasisAmt
Book Value	$262,855	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$10,152,394	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	SHARES	Desc
Amt	$399,913,661	Amt

Field	Value	IRS element (for citing)
Total Liability	$399,913,661	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$26,011,295	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$26,011,295	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$26,011,295	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$20,949,551	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$20,949,551	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$20,949,551	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

PART IV, LINE 2B:

THE CREDIT UNION SERVICES MORTGAGE LOANS ON BEHALF OF FREDDIE MAC. FUNDS ARE HELD IN ESCROW TO PAY TAXES AND INSURANCE ON BEHALF OF MORTGAGE LOAN MEMBERS.

PART X, LINE 2:

GAAP REQUIRES MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD BE SUSTAINED UPON EXAMINATION BY A TAXING AUTHORITY. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2019 AND 2018, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS IN INCOME TAX EXPENSE IF INCURRED.

Schedule I IRS990ScheduleI

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

Recipient Table RecipientTable

Recipient Business Name RecipientBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	NORTHWEST WISCONSIN COMMUNITY SERVICES AGENCY INC - FOOD PANTRY	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1118 TOWER AVENUE	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Field	Value	IRS element (for citing)
Recipient EIN	391091469	RecipientEIN
IRC Section	501(C)(3)	IRCSectionDesc
Cash Grant	$7,750	CashGrantAmt
Purpose Of Grant	DONATION FOR FOOD PANTRY TO HELP LOCAL RESIDENTS	PurposeOfGrantTxt

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
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
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 (7 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
GARY ELLIOTT
PRESIDENT & CEO	$291,323	$0	$32,729	$0	$5,456	$0	$121,138	$0	$15,038	$0	$465,684	$0	$0	$0
BENJAMIN ALTONEN
EVP/CHIEF FINANCIAL OFFICE	$190,043	$0	$25,974	$0	$537	$0	$10,823	$0	$25,187	$0	$252,564	$0	$0	$0
JOEL BRAUN
EVP/CHIEF LENDING OFFICER	$197,106	$0	$25,974	$0	$537	$0	$11,400	$0	$3,145	$0	$238,162	$0	$0	$0
NATHAN TEPOEL
VP BRANCH OPERATIONS	$181,284	$0	$12,690	$0	$340	$0	$35,774	$0	$19,821	$0	$249,909	$0	$0	$0
SANDIE ZANDER
VP COMPLIANCE OFFICER	$134,236	$0	$12,442	$0	$1,971	$0	$0	$0	$17,689	$0	$166,338	$0	$0	$0
JOYE BEDARD
VP COMMERCIAL SALES	$118,873	$0	$0	$0	$0	$0	$6,707	$0	$25,592	$0	$151,172	$0	$0	$0
DAVID STRUM
VP COMMERCIAL SALES	$128,560	$0	$0	$0	$0	$0	$6,797	$0	$25,311	$0	$160,668	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	EXPLANATION: TRAVEL FOR COMPANIONS WAS AVAILABLE FOR EDUCATIONAL EVENTS, LEAGUE CONVENTIONS, CHAPTER EVENTS, AND STRATEGIC PLANNING OFF SITE RETREATS.
PART I, LINE 4	SIX KEY EMPLOYEES PARTICIPATED IN A DEFERRED COMPENSATION PLAN DURING 2019. AS OF 12/31/19, THE BALANCE OF THESE DEFERRED COMPENSATION AGREEMENTS WAS APPROXIMATELY $268,000. THERE WERE NO DISBURSEMENTS FROM THE PLAN IN 2019.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE.
FORM 990, PART VI, SECTION A, LINE 7B	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
FORM 990, PART VI, SECTION B, LINE 11B	FORM 990 IS REVIEWED BY THE PRESIDENT AND CFO AND PRESENTED TO THE BOARD OF DIRECTORS AT THEIR MONTHLY MEETING IMMEDIATELY FOLLOWING THE SUBMISSION OF FORM 990.
FORM 990, PART VI, SECTION B, LINE 12C	ANNUAL DISCLOSURES OF FAMILY AND BUSINESS RELATIONSHIPS IS REQUIRED FROM ALL INSIDERS. INTERNAL AND EXTERNAL AUDITS OF THESE RELATIONSHIPS ARE CONDUCTED.
FORM 990, PART VI, SECTION B, LINE 15	MANAGEMENT AND STAFF SALARIES, OTHER THAN THE PRESIDENT, ARE ADMINISTERED THROUGH THE USE OF THE COMPANIES SALARY ADMINISTRATION PROGRAM. THE SYSTEM PROVIDES A STRUCTURED APPROACH TO SALARY GRADING AND COMPARABLE SALARIES FOR ALL POSITIONS ON STAFF. ALL SALARY ADJUSTMENTS ARE MADE ACCORDING TO BOARD APPROVED MATRICES WITH FINAL REVIEW AND APPROVAL BY THE PRESIDENT. THE PRESIDENT'S SALARY AND ANNUAL ADJUSTMENT IS REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION C, LINE 18	THE GOVERNING DOCUMENTS, FINANCIAL STATEMENTS, AND POLICIES OF THE CREDIT UNION ARE AVAILABLE UPON WRITTEN REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D). FINANCIAL INFORMATION IS POSTED IN THE LOBBY EACH MONTH.
FORM 990, PART VI, SECTION C, LINE 19	THESE DOCUMENTS ARE NOT AVAILABLE TO THE GENERAL PUBLIC.
FORM 990, PART XI, LINE 9:	NET CHANGE IN UNRECOGNIZED PENSION (LOSS) GAIN AND TRANSITION OBLIGATION 715,001. ROUNDING -5.