2014-05-15T14:48:23-05:00 2013-12-31 390912608 HAWKINS ASH CPAS LLP 2360 DUCK CREEK PARKWAY GREEN BAY WI 543033300 990 2013-01-01 390394240 CAPITAL CREDIT UNION CAPI 9207887304 738 FORD STREET KIMBERLY WI 54136 ALAN ZIERLER PRESIDENT/CEO 9207887304 2014-05-15 1 STEVE HANDRICK P00007603 9203369850 2013 2015-11-30 17:44:51Z ALAN ZIERLER 738 FORD STREET KIMBERLY WI 54136 16657941 0 X WWW.CAPITALCU.COM X 1934 WI A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. CAPITAL CREDIT UNION IS A FULL SERVICE FINANCIAL INSTITUTION 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 DEPOSIT, CALL 24 ONLINE BANKING, DEBIT AND CREDIT CARDS, GIFT CARDS, SAFE DEPOSIT BOXES, E-STATEMENTS, BILL PAY AND MANY OTHER SERVICES. CAPITAL SERVES OVER 32,000 MEMBERS IN OUTAGAMIE, CALUMET, WINNEBAGO AND BROWN COUNTIES. 9 8 214 9 17197 0 0 0 17352970 16149315 279757 458340 36480 9260 17669207 16616915 0 0 0 0 6229851 6520229 0 0 0 7963376 7110891 14193227 13631120 3475980 2985795 449547050 469606525 386425376 403372675 63121674 66233850 X A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. CAPITAL CREDIT UNION IS A FULL SERVICE FINANCIAL INSTITUTION 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 DEPOSIT, CALL 24 ONLINE BANKING, DEBIT AND CREDIT CARDS, GIFT CARDS, SAFE DEPOSIT BOXES, E-STATEMENTS, BILL PAY AND MANY OTHER SERVICES. CAPITAL SERVES OVER 32,000 MEMBERS IN OUTAGAMIE, CALUMET, WINNEBAGO AND BROWN COUNTIES. 0 0 HOLDING DEPOSITS FOR AND MAKING LOANS TO MEMEBERS 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 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 9843 0 1 214 1 1 1 0 0 0 0 0 0 0 X 9 8 0 0 0 0 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X ALAN M ZIERLER 9207313195 738 FORD STREET KIMBERLY WI 54136 ALAN ZIERLER PRESIDENT/TREASURER 40.00 X X 304667 0 141327 STEVEN FRASSETTO CHAIRMAN 1.00 X X 0 0 0 JEFFREY HERMUS DIRECTOR 1.00 X 0 0 0 RANDALL SANDERS VICE CHAIR 1.00 X X 0 0 0 COLLEEN VAN ZEELAND SECRETARY 1.00 X X 0 0 0 MELANIE HAEN DIRECTOR 1.00 X 0 0 0 NANCY RIETVELD DIRECTOR 1.00 X 0 0 0 AARON STEFFENS DIRECTOR 1.00 X 0 0 0 BRUCE WEILAND DIRECTOR 1.00 X 0 0 0 VICKI RUNNING VICE PRESIDENT-OPERATIONS 40.00 X 116990 0 0 TIMOTHY WYNGAARD VICE PRESIDENT LENDING 40.00 X 131713 0 0 MICHANA WESTERFIELD VICE PRESIDENT OF MARKETIN 40.00 X 110812 0 0 TIM BARTHEL VICE PRESIDENT MEMBER SERVICES 40.00 X 100858 0 0 KATHY FANDREY VICE PRESIDENT OF HUMAN RESOURCES 40.00 X 113089 0 0 878129 0 141327 6 0 1 0 0 PROG.SERV.REVENUE-RELATED-990 900099 16132118 16132118 ATM 900099 17197 17197 16149315 499366 499366 9260 0 9260 9260 9260 41026 -41026 -41026 -41026 16616915 16599718 17197 0 878129 4215343 296454 688114 442189 32571 32102 883347 74629 979188 74802 337244 328776 DIVIDENDS ON SHARES 2219855 DEBIT/CREDIT CARD EXPEN 820068 OTHER EXPENSES 659431 PROVISION FOR BAD DEBT 228097 440781 13631120 16329537 6819659 98017570 108255963 705534 0 296146099 299441071 251145 189292 11676808 5246044 6734696 6430764 14216886 31398914 144988 147051 17000595 16923811 449547050 469606525 2070982 2225705 384354394 401146970 386425376 403372675 X 0 0 11493569 11619957 51628105 54613893 63121674 66233850 449547050 469606525 2985795 126381 0 X X 0 1 X 1 0 1830757 1830757 6951985 2808700 4143285 61977 23603 38374 2832089 2413741 418348 6430764 SHARES 401146970 401146970 X 16616915 0 16616915 0 16616915 13631120 0 13631120 0 13631120 PART X, LINE 2: IN ACCORDANCE WITH U.S. GAAP, THE CREDIT UNION HAS ADOPTED THE PROVISIONS OF "ACCOUNTING FOR UNCERTAINT 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, 2013 AND 2012, 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 2010 AND STATE EXAMINATIONS FOR YEARS BEFORE 2009. X 1 1 X X X 0 0 0 ALAN ZIERLER PRESIDENT/TREASURER 280000 0 20700 0 3967 0 141327 0 0 0 445994 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 MEMBERS ARE INDIVIDUALS LIVING OR WORKING IN THE COUNTIES OF BROWN, CALUMET, OUTAGAMIE, AND WINNEBAGO THAT HAVE DEPOSITS WITH THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A BOARD OF DIRECTORS IS ELECTED BY MEMBERS FORM 990, PART VI, SECTION B, LINE 11 MADE AVAILABLE TO THE BOARD OF DIRECTORS PRIOR TO FILING FORM 990, PART VI, SECTION B, LINE 12C DISCUSSION IN BOARD MEETINGS AND DOCUMENTED IN BOARD MINUTES FORM 990, PART VI, SECTION B, LINE 15 THE PROCESS OF DETERMINING PROPER COMPENSATION IS COMPLETED DURING BOARD OF DIRECTORS MEETINGS FORM 990, PART VI, SECTION C, LINE 19 AVAILABLE UPON REQUEST FORM 990 PART XII LINE 2C THE BOARD OF DIRECTORS OVERSEE THE AUDIT PROCESS AND THIS HAS NOT CHANGED FROM PRIOR YEARS.