SUPERIOR CHOICE CREDIT UNION: Form 990, tax year 2014

View the entire original 990 at ProPublica ↗

Organization: SUPERIOR CHOICE CREDIT UNION (EIN 39-0906277)
Tax period: 2014-01-01 to 2014-12-31
Filed: 2015-10-20
IRS object ID: 201502939349300110
Schema version: 2014v5.0
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 O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2015-10-20T12:38:49-05:00	ReturnTs
Tax Period End	2014-12-31	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	2360 DUCK CREEK PARKWAY	AddressLine1Txt
City	GREEN BAY	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	543033300	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2014-01-01	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	PO BOX 127	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	548800127	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	GARY ELLIOTT	PersonNm
Person Title	VICE PRESIDENT/CFO	PersonTitleTxt
Phone	7153925616	PhoneNum
Signature	2015-10-20	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	STEVEN G HANDRICK	PreparerPersonNm
PTIN	P00007603	PTIN
Phone	9203369850	PhoneNum

Field	Value	IRS element (for citing)
Tax	2014	TaxYr
Build TS	2016-02-25 16:41:14Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Address Change	Yes (X)	AddressChangeInd
Principal Officer	GARY ELLIOT	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2911 TOWER AVE SUITE 9	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$15,716,222	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	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	111	TotalEmployeeCnt
Total Volunteers	29	TotalVolunteersCnt
Total Gross UBI	$30,505	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$14,155,321	PYProgramServiceRevenueAmt
CY Program Service Revenue	$13,564,981	CYProgramServiceRevenueAmt
PY Investment Income	$520,939	PYInvestmentIncomeAmt
CY Investment Income	$109,541	CYInvestmentIncomeAmt
PY Other Revenue	$40,177	PYOtherRevenueAmt
CY Other Revenue	$1,715,215	CYOtherRevenueAmt
PY Total Revenue	$14,716,437	PYTotalRevenueAmt
CY Total Revenue	$15,389,737	CYTotalRevenueAmt
PY Grants And Similar Paid	$39,966	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$1,520,912	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$4,251,861	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$4,535,185	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$5,276,606	PYOtherExpensesAmt
CY Other Expenses	$6,927,571	CYOtherExpensesAmt
PY Total Expenses	$11,089,345	PYTotalExpensesAmt
CY Total Expenses	$11,462,756	CYTotalExpensesAmt
PY Revenues Less Expenses	$3,627,092	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,926,981	CYRevenuesLessExpensesAmt
Total Assets BOY	$250,655,171	TotalAssetsBOYAmt
Total Assets EOY	$279,062,032	TotalAssetsEOYAmt
Total Liabilities BOY	$224,997,957	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$249,045,558	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$25,657,214	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$30,016,474	NetAssetsOrFundBalancesEOYAmt
Mission	A NOT-FOR-PROFIT MEMBER-OWNED FINANCIAL INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO OUR MEMBERS. OPERATIONS ARE PRIMARILY RELATED TO HOLDING DEPOSIT 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
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	Yes (1)	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	0	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 With Officer Ent	0	BusinessRlnWithOfficerEntInd
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	Yes (1)	RelatedEntityInd
Related Organization Ctrl Ent	Yes (1)	RelatedOrganizationCtrlEntInd
Transaction With Control Ent	0	TransactionWithControlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	7736	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	111	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
Rcv Fnds To Pay Prsnl Bnft Cntrct	0	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	0	PayPremiumsPrsnlBnftCntrctInd
Form8899 Filedind	0	Form8899Filedind
Form1098 C Filed	0	Form1098CFiledInd
DAF Excess Business Holdings	0	DAFExcessBusinessHoldingsInd
Taxable Distributions	0	TaxableDistributionsInd
Distribution To Donor	0	DistributionToDonorInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	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	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
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	Yes (1)	InvestmentInJointVentureInd
Written Policy Or Procedure	Yes (1)	WrittenPolicyOrProcedureInd
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	2911 TOWER AVE SUITE 9	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
WILLIAM ANDERSON
VICE CHAIR	1.00	Yes (X)	Yes (X)	$3,500	$0	$0
JAMES LARSON
CHAIR	1.00	Yes (X)	Yes (X)	$3,500	$0	$0
GREG RUNNING
TREASURER	1.00	Yes (X)	Yes (X)	$3,300	$0	$0
LYNDA HOFMAN
SECRETARY	1.00	Yes (X)	Yes (X)	$2,700	$0	$0
MAKR CASPER
VICE CHAIR - LOANS	1.00	Yes (X)		$3,300	$0	$0
ELAINE PETERSON
VICE CHAIR - COMPLIANCE	1.00	Yes (X)		$2,700	$0	$0
PAUL GILBERTSON
VICE CHAIR - PERSONNEL	1.00	Yes (X)		$2,700	$0	$0
DIANE ZIMMERMAN
VICE CHAIR - IT	1.00	Yes (X)		$2,700	$0	$0
CANDICE FITZGERALD
VICE CHAIR - AUDIT	1.00	Yes (X)		$2,700	$0	$0
GARY ELLIOTT
PRESIDENT & CEO	40.00		Yes (X)	$231,672	$0	$41,406
BENJAMIN ALTONEN
VICE PRESIDENT - CFO	40.00		Yes (X)	$67,485	$0	$3,171
ANN MARIE OLSON
EXECUTIVE VICE PRESIDENT	40.00		Yes (X)	$150,758	$0	$14,235
JOEL BRAUN
SENIOR VICE PRESIDENT	40.00		Yes (X)	$101,556	$0	$4,265
NATHAN TEPOEL
SENIOR VICE PRESIDENT	40.00		Yes (X)	$73,274	$0	$25,201

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$651,845	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$88,278	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	3	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
CUNA MUTUAL GROUP
PO BOX 2694	MILWAUKEE	WI	532012964	INSURANCE, LOANS, SHARE PRODUCTS, AND SU	$521,056
FIRST DATA CORP
1000 CARR RD	WILMINGTON	DE	19809	INSTANT CASH SERVICE AND SUPPORT	$442,708
CU ANSWERS
600 28 ST SE STE 100	GRAND RAPIDS	MI	49546	SOFTWARE AND COMPUTER PROCESSING SERVICE	$417,080
SECURITY HEALTH PLAN
1515 SAINT JOESPH AVE	MARSHFIELD	WI	54449	EMPLOYEE INSURANCE	$363,353
SPC
4005 PHEASANT RIDGE DR NE	BLAINE	MN	55449	EQUIPMENT AND BUILDING REPAIR	$166,237

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	7	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
PROG.SERV.REVENUE-RELATED-990	522100	$13,534,476	$13,534,476
PROG.SERV.REVENUE-UNRELATED-990	900099	$30,505		$30,505

Field	Value	IRS element (for citing)
Total Program Service Revenue	$13,564,981	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$436,026	TotalRevenueColumnAmt
Exclusion	$436,026	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$24,428	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	$24,428	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$24,428	TotalRevenueColumnAmt
Related Or Exempt Func Income	$24,428	RelatedOrExemptFuncIncomeAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$264,642	SecuritiesAmt
Other	$61,843	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$264,642	SecuritiesAmt
Other	-$61,843	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$326,485	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$61,843	RelatedOrExemptFuncIncomeAmt
Exclusion	-$264,642	ExclusionAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,690,787	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,690,787	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$1,690,787	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$15,389,737	TotalRevenueColumnAmt
Related Or Exempt Func Income	$15,187,848	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$30,505	UnrelatedBusinessRevenueAmt
Exclusion	$171,384	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$651,845	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,174,140	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$77,534	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$326,120	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$305,546	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$39,123	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$309,772	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$359,130	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,380,912	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$710,359	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$178,521	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$30,314	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$289,531	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$118,635	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVS ON SHARES	$1,584,825
LOAN ORIGINATION & SERV	$807,045
PROVISION FOR BAD DEBT	$720,000
OTHER EXPENSES	$306,646

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$92,758	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$11,462,756	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$10,242,040	BOYAmt
EOY	$17,648,357	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$8,151,496	BOYAmt
EOY	$2,940,122	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$696,276	BOYAmt
EOY	$42,894	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$191,360,490	BOYAmt
EOY	$223,211,487	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$188,335	BOYAmt
EOY	$307,052	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$13,685,624	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$7,733,481	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$5,530,639	BOYAmt
EOY	$5,952,143	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$20,328,411	BOYAmt
EOY	$12,254,274	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$14,157,484	BOYAmt
EOY	$16,705,703	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$250,655,171	BOYAmt
EOY	$279,062,032	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$740,368	BOYAmt
EOY	$991,724	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$875,957	BOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$3,000,000	BOYAmt
EOY	$4,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$220,381,632	BOYAmt
EOY	$244,053,834	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$224,997,957	BOYAmt
EOY	$249,045,558	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

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	$25,657,214	BOYAmt
EOY	$30,016,474	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$25,657,214	BOYAmt
EOY	$30,016,474	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$250,655,171	BOYAmt
EOY	$279,062,032	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$3,926,981	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$973,657	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$541,378	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	0	AgentTrusteeEtcInd
Beginning Balance	$1,202,511	BeginningBalanceAmt
Additions During Year	$1,620,572	AdditionsDuringYearAmt
Distributions During Year	$1,443,905	DistributionsDuringYearAmt
Ending Balance	$1,379,178	EndingBalanceAmt
Incl Escrow Custodial Acct Liab	0	InclEscrowCustodialAcctLiabInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,591,410	OtherCostOrOtherBasisAmt
Book Value	$1,591,410	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,115,271	OtherCostOrOtherBasisAmt
Depreciation	$2,614,315	DepreciationAmt
Book Value	$3,500,956	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$348,562	OtherCostOrOtherBasisAmt
Depreciation	$238,999	DepreciationAmt
Book Value	$109,563	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,630,381	OtherCostOrOtherBasisAmt
Depreciation	$4,880,167	DepreciationAmt
Book Value	$750,214	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,952,143	TotalBookValueLandBuildingsAmt

Other Assets Org OtherAssetsOrgGrp (8 entries)

DescDesc	Book ValueBookValueAmt
OTHER ASSETS(DETAIL)-990	$11,626
OTHER REAL ESTATE OWNED	$1,680,141
FREDDIE MAC	$690,237
PENSION	$2,141,701
AMORTIZED LOANS - TRIAD	$8,044,522
NCUA SHARE INSURANCE FUND	$2,089,062
CAPITAL SHARES IN CORP CU	$1,280,162
ACCRUED LOAN INTEREST RECEIVABLE	$768,252

Field	Value	IRS element (for citing)
Total Book Value Other Assets	$16,705,703	TotalBookValueOtherAssetsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
TRIAD LOAN LOSS RESERVE MMA	$5,073,708
MEMBER SHARES	$238,980,126

Field	Value	IRS element (for citing)
Total Liability	$244,053,834	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$15,389,737	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$15,389,737	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$15,389,737	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$11,462,756	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$11,462,756	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$11,462,756	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

PART IV, LINE 2B:

ARRANGEMENT: 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:

U.S. GAAP REQUIRES MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOOGNIZE 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 POSIITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2014 AND 2013 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 WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS IN INCOME TAX EXPENSE IF INCURRED.

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
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	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (2 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	$231,672	$0	$0	$0	$0	$0	$21,317	$0	$20,089	$0	$273,078	$0	$0	$0
ANN MARIE OLSON
EXECUTIVE VICE PRESIDENT	$150,758	$0	$0	$0	$0	$0	$13,326	$0	$909	$0	$164,993	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	EXPLANATION: TRAVEL FOR COMPANIONS WAS AVIALABLE FOR EDUCATIONAL EVENTS, LEAGUE CONVENTIONS, CHAPTER EVENTS, AND STRATEGIC PLANNING OFF SITE RETREATS.
PART I, LINE 4B	THERE WERE NO DISBURSEMENTS FROM THIS PLAN IN 2014.

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 11	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 -541,378.

Schedule R IRS990ScheduleR

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	NORTHLAND BENEFITS INC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2911 TOWER AVENUE	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Field	Value	IRS element (for citing)
EIN	320258695	EIN
Primary Activities	OTHER - BENEFITS PLUS MEMBERSHIP	PrimaryActivitiesTxt
Legal Domicile State	WI	LegalDomicileStateCd

Direct Controlling Entity Name DirectControllingEntityName

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

Field	Value	IRS element (for citing)
Entity Type	C	EntityTypeTxt
Share Of Total Income	$1,666	ShareOfTotalIncomeAmt
Share Of EOY Assets	$1,441	ShareOfEOYAssetsAmt
Ownership	1.00000	OwnershipPct
Controlled Organization	Yes (1)	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	0	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	0	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	0	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	0	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	0	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	0	DivRelatedOrganizationInd
Asset Sale To Other Org	0	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	0	AssetPurchaseFromOtherOrgInd
Asset Exchange	0	AssetExchangeInd
Rental Of Facilities To Oth Org	0	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	0	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	0	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	0	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	0	SharingOfFacilitiesInd
Paid Employees Sharing	0	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	0	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	0	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	0	TransferToOtherOrgInd
Transfer From Other Org	0	TransferFromOtherOrgInd