2025-11-10T09:28:21-06:00 2024-12-31 390912608 HAWKINS ASH CPAS LLP 520 N BROADWAY SUITE 250 GREEN BAY WI 54303 990 2024-01-01 390744482 VALLEY COMMUNITIES CREDIT UNION VALL 7156935776 888 STATE HIGHWAY 153 MOSINEE WI 54455 JEFFREY HORNE CFO 7156933400 2025-11-10 1 1 JEFFREY DANEN CPA P01236582 9203369850 2025-11-10 2024 2025-03-06 01:10:19Z X KELLY HLADOVCAK 888 STATE HIGHWAY 153 MOSINEE WI 54455 13789696 0 X VALLEYCOMMUNITIES.ORG X 1935 WI SEE SCHEDULE O 7 7 82 9 21750 332 0 0 8013544 9446676 3437032 4231866 12920 -1607 11463496 13676935 0 0 0 0 4137823 5031498 0 0 0 5494347 6299774 9632170 11331272 1831326 2345663 237705715 248899349 208546066 217393803 29159649 31505546 OUR MISSION IS TO BUILD LIFELONG RELATIONSHIPS ONE MEMBER AT A TIME; PROVIDING SOUND FINANCIAL PRODUCTS AND SERVICES. 0 0 HOLDING DEPOSITS FOR AND MAKING LOANS TO MEMBERS. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 6848 0 1 82 1 1 1 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 1 1 1 0 1 1 1 1 0 X JEFFREY HORNE 7156937350 975 INDIANHEAD DRIVE MOSINEE WI 54455 ELIZABETH JAKUSZ CHAIR 4.00 X X 5814 0 0 PAUL DAVIS VICE CHAIR 1.00 X X 3577 0 0 JAMES KRZMARCIK TREASURER 1.00 X X 3716 0 0 KRIS LEHMAN SECRETARY 1.00 X X 3577 0 0 HAROLD MATIS DIRECTOR 1.00 X 3349 0 0 MIKE WALTERS DIRECTOR 1.00 X 3349 0 0 KEVIN WIPFLI DIRECTOR 1.00 X 3349 0 0 KELLY HLADOVCAK CEO 40.00 X 313368 0 46073 JEFFREY HORNE CFO 40.00 X 204082 0 39937 ADAM DYKMAN COO 40.00 X 196142 0 39535 ANGELA DINKINS CLO 40.00 X 159319 0 66504 899642 0 192049 4 0 1 0 FISERV 225 FISERV DR BROOKFIELD WI 530080979 SOFTWARE 315548 THE DIRKS GROUP 225077 RIB MOUNTAIN DR WAUSAU WI 54401 IT SERVICES 149885 JACK HENRY 663 W HWY 60 MONETT MO 65708 SOFTWARE 123114 3 LOAN INTEREST 522100 7630360 7630360 FEES 522100 841223 841223 INTERCHANGE INCOME 522100 763558 763558 INSURANCE INCOME 522100 211535 189785 21750 9446676 4245749 4245749 94225 95878 -1653 -1653 -1653 3000 16883 -13883 -13883 -13883 MISCELLANEOUS 522100 46 46 46 13676935 9409436 21750 4245749 899642 3040014 252934 550994 287914 57328 50138 199005 116530 374601 1460363 161395 32906 90681 10 245336 DIVIDENDS ON SHARES 3042368 PROVISION FOR LOAN LOSS 213359 LOAN SERVICING 97531 MISCELLANEOUS EXPENSE 86155 72068 11331272 3925327 2901213 82015057 89059342 18796 20640 4139259 4249363 137958348 139358888 114246 112663 10625436 4182994 3040527 6442442 7990 7512 3758296 3870635 2727869 2876651 237705715 248899349 997700 1282270 685340 594626 206863026 215516907 208546066 217393803 X 0 0 0 0 29159649 31505546 29159649 31505546 237705715 248899349 2345663 234 0 X 0 0 0 0 1 X 1030426 1030426 6766804 2207539 4559265 2026079 1571442 454637 802127 404013 398114 6442442 SHARES 215516907 215516907 PART IV, LINE 2B: WHEN NECESSARY, ESCROW ACCOUNT FOR MORTGAGES ARE HELD ON BEHALF OF MEMBERS. X X X 0 1 0 KELLY HLADOVCAK CEO 313368 0 0 0 0 0 19180 0 26893 0 359441 0 0 0 JEFFREY HORNE CFO 204082 0 0 0 0 0 12652 0 27285 0 244019 0 0 0 ADAM DYKMAN COO 196142 0 0 0 0 0 12199 0 27336 0 235677 0 0 0 ANGELA DINKINS CLO 159319 0 0 0 0 0 39961 0 26543 0 225823 0 0 0 PART I, LINE 4B ANGELA DINKINS PARTICIPATE IN A DEFERRED COMPENSATION PLAN. THE CALCULATED UNVESTED DEFERRED BENEFIT IS $80,000 AS OF DECEMBER 31, 2024. KELLY HLADOVCAK CEO SPLIT-DOLLAR AGREEMENT X 3970400 4249363 0 1 1 4249363 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.