2015-11-16T16:13:19-06:00 2014-12-31 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2014-01-01 390394240 CAPITAL CREDIT UNION CAPI 9204942828 825 MORRIS AVENUE GREEN BAY WI 54306 KAREN CAREW CEO 9204942828 2015-11-16 1 MARY A COATES CPA P00134220 7158453111 2015-11-16 2014 2016-02-25 16:41:14Z X ALAN ZIERLER 825 MORRIS AVENUE GREEN BAY WI 54306 32843489 0 X WWW.CAPITALCU.COM X 1934 WI A NONPROFIT MEMBER OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. 17 17 427 17 20396 -28316 0 0 16149315 31285632 458340 1081881 9260 11456 16616915 32378969 0 71767 0 0 6520229 12821999 0 0 0 7110891 13620543 13631120 26514309 2985795 5864660 469606525 1092115623 403372675 955119830 66233850 136995793 X A NONPROFIT MEMBER OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. CAPITAL CREDIT UNION IS A FULL SERVICE FINANCIAL INSTITUION THAT OFFERS OUR MEMBERS MULTIPLE LOAN PRODUCTS AS WELL AS SHARE, SHARE DRAFT, CD AND IRA PRODUCTS. IN ADDITION, CAPITAL SERVES MEMBERS BY OFFERING AUTOMATED TELLER MACHINES, DIRECT DEPOSITS, CALL 24 ONLINE BANKING, DEBIT AND CREDIT CARDS, GIFT CARDS, SAFE DEPOSIT BOXES, E-STATEMENTS, BILL PAY AND MANY OTHER SERVICES. CAPITAL SERVES OVER 90,000 MEMBERS IN 10 NORTHEAST WISCONSIN COUNTIES: BROWN, CALUMET, DOOR, KEWAUNEE, MANITOWOC, MARINETTE, OCONTO, OUTAGAMIE, SHAWANO, AND WINNEBAGO. 0 0 CAPITAL CREDIT UNION PROVIDES A FULL MENU OF LOAN PRODUCTS TO ITS 90,265 MEMBERS. MORTGAGES ARE IN HIGH DEMAND AS THE ECONOMY CONTINUES TO IMPROVE. WITH A HIGH-RATE CHECKING ACCOUNT AND MONEY MARKET RATES THAT WERE AT THE TOP OF THE MARKET, WE WERE ABLE TO PROVIDE MEMBERS WITH INSURED, LIQUID ALTERNATIVES FOR THEIR DEPOSIT NEEDS. CAPITAL DONATED IN EXCESS OF $71,500.00 TO VARIOUS LOCAL CHARITIES THROUGHOUT THE YEAR, AND CONTINUES TO SUPPORT CHILDREN'S HOSPITAL, MARCH OF DIMES, AND MANY COMMUNITY EVENTS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 78202 0 1 427 1 1 1 0 0 0 0 0 0 0 X 17 17 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 0 0 X KAREN CAREW 9207887304 825 MORRIS AVENUE GREEN BAY WI 54306 JOHN CARRIER DIRECTOR 1.50 X 0 0 8 MELANIE HAEN DIRECTOR 1.50 X 0 0 16 JEFFREY HERMUS DIRECTOR 1.50 X 0 0 16 HEATHER KARCZ DIRECTOR 1.50 X 0 0 8 PEGGY LEMEROND DIRECTOR 1.50 X 0 0 8 KEITH LUCIUS DIRECTOR 1.50 X 0 0 8 TED PAPPAS DIRECTOR 1.50 X 0 0 8 NANCY RIETVELD DIRECTOR 1.50 X 0 0 16 AARON STEFFENS DIRECTOR 1.50 X 0 0 16 ALLISON SWANSON DIRECTOR 1.50 X 0 0 8 BOB TETZLAFF DIRECTOR 1.50 X 0 0 5 COLLEEN VAN ZEELAND DIRECTOR 1.50 X 0 0 16 BRUCE WEILAND DIRECTOR 1.50 X 0 0 16 PAUL PATTERSON CHAIRMAN 3.50 X X 0 0 8 STEVEN FRASSETTO VICE CHAIRMAN 3.50 X X 0 0 16 RANDALL SANDERS TREASURER 1.50 X X 0 0 16 MIKE VANDENHOUTEN SECRETARY 1.50 X X 0 0 8 ALAN ZIERLER CEO 40.00 X 362004 0 7095 THOMAS YOUNG PRESIDENT 40.00 X 162267 0 18815 KAREN CAREW CFO/EXECUTIVE VP 40.00 X 99118 0 5084 KATHLEEN FANDREY VP - HUMAN RESOURCES (THRU DECEMBER) 40.00 X 126124 0 16225 VICKI RUNNING VP - RISK MANAGEMENT 40.00 X 123875 0 4354 TIMOTHY BARTHEL VP - MEMBER SERVICE (THRU OCTOBER) 40.00 X 87048 0 12134 RANDALL GLASER VP - CONSUMER LENDING 40.00 X 79203 0 14298 JOSEPH SLATTERY VP - MARKETING/CORPORATE CULTURE 40.00 X 72769 0 12777 JOY SNYDER VP - CHIEF TECHNOLOGY OFFICER 40.00 X 85595 0 16872 MICHANA WESTERFIELD VP - MARKETING (THRU AUGUST) 40.00 X 98962 0 11858 WENDY WOHR VP - BRANCH DEVELOPMENT 40.00 X 79090 0 17915 TIMOTHY WYNGAARD VP - MORTGAGE LENDING 40.00 X 143449 0 5038 1519504 0 142662 5 0 1 0 FISERV 75 REMITTANCE DR STE 1649 CHICAGO IL 60675 CORE PROCESSOR 838308 DIGITAL INSIGHT PO BOX 515306 LOS ANGELES CA 900516606 HOME BANKING 659390 PULSE 1301 MCKINNEY STE 2500 HOUSTON TX 77010 ATM/DEBIT CARD PROCESSOR 359684 BANCVUE PO BOX 527 LUBBOCK TX 79408 ACCT MAINT/LICENSE FEE 321016 LENDKEY 104 W 27TH ST 4TH FLOOR NEW YORK NY 10001 STUDENT LOANS 242759 12 INTEREST ON LOANS 522100 25040072 25040072 FEE INCOME 522100 5251254 5230858 20396 INSURANCE INCOME 524298 721691 721691 COMMISSION INCOME 522100 96362 96362 176253 176253 31285632 938115 938115 11456 0 11456 11456 11456 608286 39378 425142 -39378 183144 143766 143766 32378969 31265236 20396 1093337 71767 1663741 10004199 417506 736553 2838 61858 309721 1271318 1349016 250821 1401197 181249 171589 392744 156419 DIVIDENDS ON SHARES 3021377 PROCESSING EXPENSES 2328760 LOAN SERVICING EXPENSES 1462434 PROVISION FOR LOAN LOSS 541016 718186 26514309 6819659 107271754 108255963 54967005 299441071 816884218 189292 749268 36963009 15293768 6430764 21669241 31398914 38103863 147051 5019784 13807158 16923811 33643332 469606525 1092115623 2225705 11774399 15748199 401146970 927597232 403372675 955119830 X 0 0 11619957 11350466 54613893 125645327 66233850 136995793 469606525 1092115623 X 5864660 142896 64754387 X X 0 1 X 1 0 8207688 8207688 17429454 8025073 9404381 6964059 5555568 1408491 4361808 1713127 2648681 21669241 MEMBERS SHARE 927597232 927597232 X 32378969 0 32378969 0 32378969 26514309 0 26514309 0 26514309 PART X, LINE 2: IN ACCORDANCE WITH US GAPP, THE CREDIT UNION HAS ADOPTED THE PROVISIONS OF "ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES," ON JANUARY 1, 2009. THE IMPLEMENTATION OF THIS STANDARD HAD NO IMPACT ON THE FINANCIAL STATEMENTS. AS OF BOTH THE DATE OF ADOPTION, AND AS OF DECEMBER 31, 2014 AND 2013, THE UNRECOGNIZED TAX BENEFIT ACCRUAL WAS ZERO. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS INCOME TAX EXPENSE IF INCURRED. THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL TAX EXAMINATION BY TAX AUTHORITIES FOR YEARS BEFORE 2011 AND STATE EXAMINATIONS FOR YEARS BEFORE 2010. 0 BAY AREA HUMANE SOCIETY 1830 RADISSON ST GREEN BAY WI 54302 390988577 501(C)(3) 10000 GENERAL SUPPORT MARCH OF DIMES (WI CHAPTER) 677 BAETEN RD STE 100 GREEN BAY WI 54304 131846366 501(C)(3) 13647 GENERAL SUPPORT TOURETTE SYNDROME ASSOCIATION 1795 SANDY SPRINGS RD DEPERE WI 54115 237191992 501(C)(3) 9257 GENERAL SUPPORT 3 0 X X 1 1 X X X X X 0 0 0 ALAN ZIERLER CEO 334696 0 23680 0 3628 0 3051 0 4044 0 369099 0 0 0 THOMAS YOUNG PRESIDENT 134975 0 22050 0 5242 0 4631 0 14184 0 181082 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 MEMBERS ARE INDIVIDUALS LIVING OR WORKING IN THE COUNTIES OF BROWN, CALUMET, DOOR, KEWAUNEE, MANITOWOC, MARINETTE, OCONTO, OUTAGAMIE, SHAWNO, AND WINNEBAGO THAT HAVE DEPOSITS WITH THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A BOARD OF DIRECTORS ARE ELECTED BY MEMBERS. FORM 990, PART VI, SECTION B, LINE 11 REVIEWED BY THE PRESIDENT AND CFO PRIOR TO SUBMISSION WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY THAT COVERS ALL EMPLOYEES AND BOARD OF DIRECTORS. THE DETERMINATION AND REVIEW OF A PERCIEVED CONFLICT IS DONE AT THE MANAGEMENT TEAM LEVEL. UPON DETERMINATION OF A CONFLICT, THE PERSON INVOLVED IN SAID CONFLICT CANNOT PARTICIPATE IN DELIBERATIONS OR DECISIONS. STAFF AND OFFICERS ARE REQUIRED TO RENEW THE POLICY ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15A THE PROCESS OF DETERMINING PROPER COMPENSATION IS COMPLETED DURING THE BOARD OF DIRECTORS MEETINGS. FORM 990, PART VI, SECTION C, LINE 19 POLICIES ARE AVAILABLE UPON REQUEST, SUMMARIZED FINANCIALS ARE POSTED IN BRANCHES. FORM 990, PART XI, LINE 9: PAID IN CAPITAL CHANGE -269,495. MERGER WITH PIONEER CREDIT UNION EIN-39-0540608 65,023,882. FORM 990 PART XII LINE 2C THE BOARD OF DIRECTORS OVERSEE THE AUDIT PROCESS AND THIS HAS NOT CHANGED FROM PRIOR YEARS. PIONEER TITLE SERVICES LLC 825 MORRIS AVE GREEN BAY WI 54304 391921064 TITLE SERVICES WI CREATIVE RESOURCE GROUP UNRELATED 0 1 0.50000 CREATIVE RESOURCE GROUP 825 MORRIS AVE GREEN BAY WI 54304 391791605 TITLE SERVICES WI CAPITAL CREDIT UNION C 14060 26337 1.00000 1 CAPITAL CREDIT UNION SERVICE CORP 825 MORRIS AVE GREEN BAY WI 54304 391852107 INSURANCE COMMISSIONS WI CAPITAL CREDIT UNION C 9126 29048 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 1