VALLEY COMMUNITIES CREDIT UNION: Form 990, tax year 2024

View the entire original 990 at ProPublica ↗

Organization: VALLEY COMMUNITIES CREDIT UNION (EIN 39-0744482)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-11-10
IRS object ID: 202523149349302352
Schema version: 2024v5.2
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 J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2025-11-10T09:28:21-06:00	ReturnTs
Tax Period End	2024-12-31	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	2024-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	390744482	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	VALL	BusinessNameControlTxt
Phone	7156935776	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	888 STATE HIGHWAY 153	AddressLine1Txt
City	MOSINEE	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54455	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JEFFREY HORNE	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	7156933400	PhoneNum
Signature	2025-11-10	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	JEFFREY DANEN CPA	PreparerPersonNm
PTIN	P01236582	PTIN
Phone	9203369850	PhoneNum
Preparation	2025-11-10	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)
Address Change	Yes (X)	AddressChangeInd
Principal Officer	KELLY HLADOVCAK	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	888 STATE HIGHWAY 153	AddressLine1Txt
City	MOSINEE	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54455	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$13,789,696	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	VALLEYCOMMUNITIES.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1935	FormationYr
Legal Domicile State	WI	LegalDomicileStateCd
Activity Or Mission	SEE SCHEDULE O	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	82	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$21,750	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$332	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$8,013,544	PYProgramServiceRevenueAmt
CY Program Service Revenue	$9,446,676	CYProgramServiceRevenueAmt
PY Investment Income	$3,437,032	PYInvestmentIncomeAmt
CY Investment Income	$4,231,866	CYInvestmentIncomeAmt
PY Other Revenue	$12,920	PYOtherRevenueAmt
CY Other Revenue	-$1,607	CYOtherRevenueAmt
PY Total Revenue	$11,463,496	PYTotalRevenueAmt
CY Total Revenue	$13,676,935	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$4,137,823	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$5,031,498	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$5,494,347	PYOtherExpensesAmt
CY Other Expenses	$6,299,774	CYOtherExpensesAmt
PY Total Expenses	$9,632,170	PYTotalExpensesAmt
CY Total Expenses	$11,331,272	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,831,326	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,345,663	CYRevenuesLessExpensesAmt
Total Assets BOY	$237,705,715	TotalAssetsBOYAmt
Total Assets EOY	$248,899,349	TotalAssetsEOYAmt
Total Liabilities BOY	$208,546,066	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$217,393,803	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$29,159,649	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$31,505,546	NetAssetsOrFundBalancesEOYAmt
Mission	OUR MISSION IS TO BUILD LIFELONG RELATIONSHIPS ONE MEMBER AT A TIME; PROVIDING SOUND FINANCIAL PRODUCTS AND SERVICES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	HOLDING DEPOSITS FOR AND MAKING LOANS TO 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	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	6848	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	82	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	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	0	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	JEFFREY HORNE	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	7156937350	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	975 INDIANHEAD DRIVE	AddressLine1Txt
City	MOSINEE	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54455	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (11 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd
ELIZABETH JAKUSZ
CHAIR	4.00	Yes (X)	Yes (X)	$5,814	$0	$0
PAUL DAVIS
VICE CHAIR	1.00	Yes (X)	Yes (X)	$3,577	$0	$0
JAMES KRZMARCIK
TREASURER	1.00	Yes (X)	Yes (X)	$3,716	$0	$0
KRIS LEHMAN
SECRETARY	1.00	Yes (X)	Yes (X)	$3,577	$0	$0
HAROLD MATIS
DIRECTOR	1.00	Yes (X)		$3,349	$0	$0
MIKE WALTERS
DIRECTOR	1.00	Yes (X)		$3,349	$0	$0
KEVIN WIPFLI
DIRECTOR	1.00	Yes (X)		$3,349	$0	$0
KELLY HLADOVCAK
CEO	40.00		Yes (X)	$313,368	$0	$46,073
JEFFREY HORNE
CFO	40.00		Yes (X)	$204,082	$0	$39,937
ADAM DYKMAN
COO	40.00			$196,142	$0	$39,535	Yes (X)
ANGELA DINKINS
CLO	40.00			$159,319	$0	$66,504	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$899,642	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$192,049	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 (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
225 FISERV DR	BROOKFIELD	WI	530080979	SOFTWARE	$315,548
THE DIRKS GROUP
225077 RIB MOUNTAIN DR	WAUSAU	WI	54401	IT SERVICES	$149,885
JACK HENRY
663 W HWY 60	MONETT	MO	65708	SOFTWARE	$123,114

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST	522100	$7,630,360	$7,630,360
FEES	522100	$841,223	$841,223
INTERCHANGE INCOME	522100	$763,558	$763,558
INSURANCE INCOME	522100	$211,535	$189,785	$21,750

Field	Value	IRS element (for citing)
Total Program Service Revenue	$9,446,676	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,245,749	TotalRevenueColumnAmt
Exclusion	$4,245,749	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$94,225	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$95,878	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	-$1,653	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$1,653	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$1,653	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$3,000	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$16,883	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$13,883	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$13,883	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$13,883	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	MISCELLANEOUS	Desc
Business	522100	BusinessCd
Total Revenue Column	$46	TotalRevenueColumnAmt
Related Or Exempt Func Income	$46	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$46	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$13,676,935	TotalRevenueColumnAmt
Related Or Exempt Func Income	$9,409,436	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$21,750	UnrelatedBusinessRevenueAmt
Exclusion	$4,245,749	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$899,642	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,040,014	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$252,934	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$550,994	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$287,914	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$57,328	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$50,138	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$199,005	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$116,530	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$374,601	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,460,363	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$161,395	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$32,906	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$90,681	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$10	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$245,336	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVIDENDS ON SHARES	$3,042,368
PROVISION FOR LOAN LOSS	$213,359
LOAN SERVICING	$97,531
MISCELLANEOUS EXPENSE	$86,155

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$72,068	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$11,331,272	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,925,327	BOYAmt
EOY	$2,901,213	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$82,015,057	BOYAmt
EOY	$89,059,342	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$18,796	BOYAmt
EOY	$20,640	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$4,139,259	BOYAmt
EOY	$4,249,363	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$137,958,348	BOYAmt
EOY	$139,358,888	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$114,246	BOYAmt
EOY	$112,663	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$10,625,436	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$4,182,994	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$3,040,527	BOYAmt
EOY	$6,442,442	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$7,990	BOYAmt
EOY	$7,512	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$3,758,296	BOYAmt
EOY	$3,870,635	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$2,727,869	BOYAmt
EOY	$2,876,651	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$237,705,715	BOYAmt
EOY	$248,899,349	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$997,700	BOYAmt
EOY	$1,282,270	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$685,340	BOYAmt
EOY	$594,626	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$206,863,026	BOYAmt
EOY	$215,516,907	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$208,546,066	BOYAmt
EOY	$217,393,803	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	$29,159,649	BOYAmt
EOY	$31,505,546	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$29,159,649	BOYAmt
EOY	$31,505,546	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$237,705,715	BOYAmt
EOY	$248,899,349	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$2,345,663	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$234	NetUnrlzdGainsLossesInvstAmt
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

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	$1,030,426	OtherCostOrOtherBasisAmt
Book Value	$1,030,426	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,766,804	OtherCostOrOtherBasisAmt
Depreciation	$2,207,539	DepreciationAmt
Book Value	$4,559,265	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,026,079	OtherCostOrOtherBasisAmt
Depreciation	$1,571,442	DepreciationAmt
Book Value	$454,637	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$802,127	OtherCostOrOtherBasisAmt
Depreciation	$404,013	DepreciationAmt
Book Value	$398,114	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$6,442,442	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	SHARES	Desc
Amt	$215,516,907	Amt

Field	Value	IRS element (for citing)
Total Liability	$215,516,907	TotalLiabilityAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART IV, LINE 2B:	FormAndLineReferenceDesc
Explanation	WHEN NECESSARY, ESCROW ACCOUNT FOR MORTGAGES ARE HELD ON BEHALF OF MEMBERS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
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
KELLY HLADOVCAK
CEO	$313,368	$0	$0	$0	$0	$0	$19,180	$0	$26,893	$0	$359,441	$0	$0	$0
JEFFREY HORNE
CFO	$204,082	$0	$0	$0	$0	$0	$12,652	$0	$27,285	$0	$244,019	$0	$0	$0
ADAM DYKMAN
COO	$196,142	$0	$0	$0	$0	$0	$12,199	$0	$27,336	$0	$235,677	$0	$0	$0
ANGELA DINKINS
CLO	$159,319	$0	$0	$0	$0	$0	$39,961	$0	$26,543	$0	$225,823	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	ANGELA DINKINS PARTICIPATE IN A DEFERRED COMPENSATION PLAN. THE CALCULATED UNVESTED DEFERRED BENEFIT IS $80,000 AS OF DECEMBER 31, 2024.	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Field	Value	IRS element (for citing)
Person	KELLY HLADOVCAK	PersonNm
Relationship With Org	CEO	RelationshipWithOrgTxt
Loan Purpose	SPLIT-DOLLAR AGREEMENT	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$3,970,400	OriginalPrincipalAmt
Balance Due	$4,249,363	BalanceDueAmt
Default	0	DefaultInd
Board Or Committee Approval	Yes (1)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (1)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$4,249,363	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART I, LINE 1	OUR MISSION IS TO BUILD LIFELONG RELATIONSHIPS ONE MEMBER AT A TIME; PROVIDING SOUND FINANCIAL PRODUCTS AND SERVICES.
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 MEMEBER.
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 UNIONS).
FORM 990, PART VI, SECTION B, LINE 11B	THE CFO AND CEO REVIEW THE RETURN PRIOR TO FILING. THE BOARD OF DIRECTORS WILL HAVE A COMPLETED COPY OF THE 990 PRESENTED AT A MEETING.
FORM 990, PART VI, SECTION B, LINE 15	CEO COMPENSATION IS SET BY THE BOARD OF DIRECTORS AFTER REVIEWING THE INDIVIDUAL AND CREDIT UNION PEER DATA. ALL OTHER STAFF IS SET BY THE CEO.
FORM 990, PART VI, SECTION C, LINE 19	THE BALANCE SHEET IS DISPLAYED IN ALL OFFICES AS WELL AS ON THE WEB SITE. RELASE OF ADDITIONAL RECORDS ARE COVERED IN THE VCCU MEMBER INSPECTION POLICY WHICH COVERS RECORDS AND MINUTES.