2014-12-15T16:17:36-06:00 2013-12-31 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2013-01-01 390823125 WESTCONSIN CREDIT UNION WEST 7152353403 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 LORA BENRUD CEO 7152353403 2014-12-15 1 MARY A COATES CPA P00134220 7158453111 2014-12-15 2013 2015-11-30 17:44:51Z LORA BENRUD 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 61277306 0 2157 X WESTCONSINCU.ORG X 1939 WI THE ORGANIZATION IS A COOPERATIVE, NONPROFIT CORPORATION, INCORPORATED UNDER WISCONSIN STATE LAW TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. 7 0 398 10 2649378 0 0 0 41790537 44291921 11086122 7709083 1641879 2714291 54518538 54715295 0 0 0 0 18485978 20951638 0 0 0 27117913 24218281 45603891 45169919 8914647 9545376 825640755 872135645 742088410 782746040 83552345 89389605 X THE ORGANIZATION IS A COOPERATIVE, NONPROFIT CORPORATION, INCORPORATED UNDER WISCONSIN STATE LAW TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. 0 0 PROVIDED LOW-COST FINANCIAL SERVICES TO 73,137 MEMBERS. SERVED MEMBERS' INTERESTS BY ACCEPTING DEPOSITS, GRANTING LOANS, AND INVESTING EXCESS FUNDS IN A PRUDENT MANNER. PROVIDED OVER 19,000 LOANS FOR OVER $390 MILLION TO MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 27479 0 398 1 1 1 0 0 0 0 0 X 7 0 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X LORA BENRUD 7152353403 3333 SCHNEIDER AVENUE MENOMONIE WI 54751 DALE DAHLKE BOARD MEMBER 2.00 X 6000 0 1027 COLLEEN MENSING BOARD MEMBER 2.00 X 6000 0 1027 TODD LEIPNITZ BOARD MEMBER 2.00 X 6000 0 1027 DAVE MAVES CHAIRPERSON 2.00 X X 6000 0 1027 GERALD WOLF VICE-CHAIRPERSON 2.00 X X 6000 0 1027 LYNN BRANTNER SECRETARY 2.00 X X 6000 0 1446 RITA LUNDERVILLE TREASURER 2.00 X X 6000 0 1027 GREG LENTZ CEO 40.00 X 343923 0 59756 LEO SCHINDLER CLO 40.00 X 176432 0 43514 LORA BENRUD CFO 40.00 X 182501 0 46374 JIM WOOKEY COO 40.00 X 142052 0 40593 JAY FAHL CMO 40.00 X 159897 0 43427 ROBERT CASEY CLO 40.00 X 127507 0 44471 NICOLE YARINGTON CTO 40.00 X 112878 0 16440 MICHAEL TOMASEK CIO 40.00 X 108651 0 32639 SCOTT PRINDLE MORTGAGE LOAN ORIGINATOR 40.00 X 146740 0 37280 LISA ZIEBARTH MORTGAGE LOAN ORIGINATOR 40.00 X 157869 0 51241 TIMOTHY CARLSON VP - WESTCONSIN INVESTMENT ADVISORS 40.00 X 137068 0 19302 AARON SYMICEK MORTGAGE LOAN ORIGINATOR 40.00 X 114305 0 16532 MARK FALTEISEK SENIOR BUSINESS LOAN 40.00 X 110402 0 38803 2062225 0 497980 21 0 1 0 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 DEBIT & CREDIT CARD 2449090 DIGITAL INSIGHT 1300 SEAPORT BOULEVARD SUITE 300 REDWOOD CITY CA 94063 ONLINE BANKING 741317 FISERV SOLUTIONS OF USA INC 75 REMITTANCE DRIVE STE 6944 CHICAGO IL 60675 IT SOLUTIONS 725936 CASE AND ASSOCIATES DBACASE 701 WEAVER BLVD ANOKA MN 55303 ATM/RECYCLERS 421365 NATIONAL BUSINESS SYSTEMS INC 2919 SERVICE ROAD W EAGAN MN 55121 DATA MGMT 372581 23 LOAN INTEREST INCOME 522100 30266978 30266978 FEE INCOME 522100 12278876 12253701 25175 MORTGAGE SERVICING INCOME 900099 1408613 1408613 MEMBER FINANCIAL INCOME 525990 337454 337454 44291921 2618106 2618106 88441 0 88441 88441 88441 6277337 5375651 6234235 327776 43102 5047875 5090977 5047875 43102 REALTY COMMISSION INCOME 531390 1977825 1976643 1182 TITLE SERVICE INCOME 531390 648025 647560 465 2625850 54715295 49403062 2649378 2662855 1850857 13998805 1373457 2516830 1211689 948 87603 1371687 1474529 2328298 4452289 1432993 19967 254575 1177748 181542 DIVIDENDS ON MEMBER ACC 5520071 LOAN SERVICING EXPENSE 3254615 PROVISION FOR LOAN LOSS 1854084 NCUSIF FEES 563126 244206 45169919 3900328 4105062 197444291 176075412 588990919 655333292 295113 243092 30001938 12157168 17594794 17844770 389310 759755 17026000 17774262 825640755 872135645 5590294 5563989 736498116 777182051 742088410 782746040 X 0 0 0 0 83552345 89389605 83552345 89389605 825640755 872135645 X 9545376 -3749475 41359 X 0 0 0 3962718 3962718 17240160 5827401 11412759 8799060 6329767 2469293 17844770 DEPOSITS 777182051 777182051 X X 0 0 0 GREG LENTZ CEO 343923 0 0 0 0 0 38250 0 21506 0 403679 0 0 0 LEO SCHINDLER CLO 176432 0 0 0 0 0 23894 0 19620 0 219946 0 0 0 LORA BENRUD CFO 182501 0 0 0 0 0 24705 0 21669 0 228875 0 0 0 JIM WOOKEY COO 142052 0 0 0 0 0 19565 0 21028 0 182645 0 0 0 JAY FAHL CMO 159897 0 0 0 0 0 22209 0 21218 0 203324 0 0 0 ROBERT CASEY CLO 127507 0 0 0 0 0 17843 0 26628 0 171978 0 0 0 SCOTT PRINDLE MORTGAGE LOAN ORIGINATOR 146740 0 0 0 0 0 15282 0 21998 0 184020 0 0 0 LISA ZIEBARTH MORTGAGE LOAN ORIGINATOR 157869 0 0 0 0 0 24461 0 26780 0 209110 0 0 0 TIMOTHY CARLSON VP - WESTCONSIN INVESTMENT ADVISORS 137068 0 0 0 0 0 18225 0 1077 0 156370 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS IN COMMUNITIES LOCATED IN WESTERN WISCONSIN. FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION HAS MEMBERS WHO ELECT MEMBERS OF THE GOVERNING BODY ANNUALLY. FORM 990, PART VI, SECTION A, LINE 7B SOME DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS OF THE ORGANIZATION. FORM 990, PART VI, SECTION B, LINE 11 THE VP-ACCOUNTING ACCUMULATES ALL 990 AND 990-T INFORMATION, INCLUDING THE UBIT CALCULATIONS. THESE DOCUMENTS ARE REVIEWED BY THE CFO. THE 990 AND THE 990T ARE REVIEWED BY THE GOVERNING BODY AND SENIOR MANAGEMENT PRIOR TO SUBMISSION TO THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION'S CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY BY THE GOVERNING BODY AND THE POLICY IS REVIEWED ANNUALLY BY EMPLOYEES. THE GOVERNING BODY VERIFIES EMPLOYEES ARE IN COMPLIANCE WITH CONFLICT OF INTEREST POLICY. FORM 990, PART VI, SECTION B, LINE 15 THE CREDIT UNION RECEIVES SEVERAL ANNUAL SALARY SURVEYS AND SUBSCRIBES TO SERVICES FROM A COMPANY SPECIALIZING IN COMPENSATION TO REVIEW PAY STRUCTURE AND CONTINUALLY PROVIDE THE CREDIT UNION WITH ANNUAL PAY COMPARISONS TO SIMILAR POSITIONS IN THE INDUSTRY. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9: CHANGE IN OTHER COMPREHENSIVE INCOME 41,359. WESTCONSIN REALTY LLC 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 200157525 REAL ESTATE BROKERAGE SERVICES WI 1977825 580388 WESTCONSIN CREDIT UNION WESTCONSIN TITLE SERVICES LLC 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 455377540 GENERAL TITLE SERVICES WI 648025 219675 WESTCONSIN CREDIT UNION