2014-11-13T09:03:43-06:00 2013-12-31 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2013-01-01 390540608 PIONEER CREDIT UNION PION 9204942828 825 MORRIS AVENUE / PO BOX 2526 GREEN BAY WI 543062526 THOMAS YOUNG PRESIDENT 9204942828 2014-11-12 1 MARY A COATES CPA P00134220 7158453111 2014-11-12 2013 2015-11-30 17:44:51Z THOMAS YOUNG 825 MORRIS AVENUE / PO BOX 2526 GREEN BAY WI 543062526 36462709 0 2157 X WWW.PIONEERCU.ORG X 1927 WI A COOPERATIVE, NONPROFIT CORPORATION, INCORPORATED 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. 9 9 217 11 26745 -21456 0 0 31996809 31779797 424231 800897 16512 22512 32437552 32603206 141513 370677 0 0 8589150 9463256 0 0 0 17384792 16533268 26115455 26367201 6322097 6236005 542292347 609630814 492519444 554323445 49772903 55307369 X PIONEER CREDIT UNION IS COMMITTED TO THE DELIVERY OF TOTAL MEMBER UNDERSTANDING AND SATISFACTION IN EVERYTHING WE DO. THIS IS ACCOMPLISHED THROUGH A BALANCE OF SOUND AND RESPONSIBLE OPERATIONS, FOCUS ON EMPLOYEE SATISFACTION AND DEVELOPMENT, AND ACTIVELY STRIVING TO SERVE THE NEEDS OF OUR MEMBERSHIP. 0 0 PIONEER CREDIT UNION PROVIDES A FULL MENU OF LOAN PRODUCTS TO IT'S 55,226 MEMBERS. FIXED RATE MORTGAGES, AS WELL AS 10-YEAR BALLOON MORTGAGES, WERE VERY POPULAR FOR MEMBERS LOOKING TO RESTRUCTURE THEIR DEBT AND TO BRING THEIR BUSINESS BACK TO A SAFE, LOCAL FINANCIAL INSTITUTION. 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. PIONEER CREDIT UNION IS A MAJOR CONTRIBUTOR TO FREEDOM HOUSE, A SHELTER WHOSE PURPOSE IS TO HELP HOMELESS FAMILIES BECOME SUCCESSFUL IN ALL AREAS OF THEIR LIVES. CREDIT UNION EMPLOYEES VOLUNTEER AT FREEDOM HOUSE ON COMPANY TIME. PIONEER DONATED IN EXCESS OF $370,000 TO VARIOUS LOCAL CHARITIES THROUGHOUT THE YEAR, AND CONTINUES TO SUPPORT CHILDRENS HOSPITAL. THE CREDIT UNION ALSO HAS AN ACTIVE PROGRAM IN TEACHING "AT RISK" CHILDREN AT AN INNER-CITY SCHOOL, ON COMPANY TIME. 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 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 21038 0 1 217 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 0 0 X KAREN CAREW 9204942828 825 MORRIS AVENUE GREEN BAY WI 543062526 JOHN CARRIER DIRECTOR 3.50 X 0 0 16 ERWIN DEPAS DIRECTOR (THRU MARCH) 3.50 X 0 0 0 HEATHER KARCZ DIRECTOR 3.50 X 0 0 16 KEITH LUCIUS DIRECTOR 3.50 X 0 0 7 PAUL PATTERSON DIRECTOR 3.50 X 0 0 12 ROBERT TETZLAFF DIRECTOR 3.50 X 0 0 10 MIKE VANDENHOUTEN DIRECTOR 3.50 X 0 0 16 JAMES ZIMMER BOARD CHAIRMAN (THRU JULY) 3.50 X X 0 0 8 JAY KRAMER BOARD CHAIRMAN 3.50 X X 0 0 16 PEGGY LEMEROND TREASURER 3.50 X X 0 0 16 THEODORE PAPPAS SECRETARY 3.50 X X 0 0 16 THOMAS YOUNG PRESIDENT/CEO 40.00 X 283635 0 37341 KAREN CAREW VP-FINANCE/CFO 40.00 X 157432 0 9977 441067 0 47451 6 0 1 0 FISERV 75 REMITTANCE DR STE 6974 CHICAGO IL 606756974 COMPUTER MAINTENANCE 1409548 INTUIT PO BOX 51536 LOS ANGELES CA 900516606 HOME BANKING, BILLE PAYER 704260 PULSE 1301 MCKINNEY ST STE 2500 HOUSTON TX 77010 TRANSACTION PROCESSING, TERMINAL DRIVING 652668 LENDKEY 104 W 27TH ST NEW YORK NY 10001 CLOUD BASED TECHNOLOGY 484773 TECHNOLOGY ARCHITECTS 1300 W MAIN AVENUE DE PERE WI 54115 IT CONSULTING 453029 5 INTEREST ON LOANS 522100 22449423 22449423 PRODUCT SALES 522100 3457111 3430366 26745 ACCT MAINT FEES 522100 3025855 3025855 LENDING FEES 522100 2200948 2200948 INSURANCE INCOME 524298 421865 421865 224595 224595 31779797 780372 780372 22512 0 22512 22512 22512 3262992 617036 3209107 650396 53885 -33360 20525 20525 32603206 31753052 26745 823409 370677 488518 6457598 246914 1734080 536146 1929 121854 52924 200224 583873 1721548 3593144 764597 59796 47811 362107 806051 163394 DIVIDENDS ON MEMBER SHA 3579502 LOAN SERVICING EXPENSE 1631067 PROVISION FOR LOAN LOSS 1595621 REO EXPENSE 849865 397961 26367201 5881996 5662766 60815618 43053405 1180038 1240018 416183603 496426746 1141469 1546412 24790318 8923013 13853331 15867305 24905376 26291839 2777315 4135175 15553601 15407148 542292347 609630814 6700825 24907014 16906 2793 17000000 40000000 468801713 489413638 492519444 554323445 X 0 0 0 0 49772903 55307369 49772903 55307369 542292347 609630814 6236005 -701539 0 X 0 0 0 6166958 6166958 11464980 4535120 6929860 2358874 2047745 311129 4799506 2340148 2459358 15867305 MEMBER SHARES 489413638 489413638 1 ASHWAUBENON HIGH SCHOOL 1055 GRIFFITHS LANE ASHWAUBENON WI 54304 PUBLIC SCHOOL 240000 IMPROVEMENT OF ATHLETIC FIELDS. BAY AREA HUMANE SOCIETY INC 1830 RADISSON STREET GREEN BAY WI 54302 390988577 501(C)(3) 10000 GENERAL SUPPORT BOYS & GIRLS CLUB OF GREEN BAY 311 S ONEIDA ST GREEN BAY WI 54303 396102943 501(C)(3) 6911 GENERAL SUPPORT FREEDOM HOUSE 2997 ST ANTHONY DR GREEN BAY WI 54311 391721843 501(C)(3) 19120 GENERAL SUPPORT TOURETTE SYNDROME ASSOCIATION 42-40 BELL BOULEVARD BAYSIDE NY 11361 237191992 501(C)(3) 7456 GENERAL SUPPORT BROWN COUNTY DARE PROGRAM PO BOX 23600 GREEN BAY WI 54305 COUNTY 5000 GENERAL SUPPORT HABITAT FOR HUMANITY PO BOX 10263 GREEN BAY WI 54307 391589910 501(C)(3) 11122 GENERAL SUPPORT MY BROTHERS KEEPER 1039 WEST MASON STREET GREEN BAY WI 54303 200319330 501(C)(3) 5530 GENERAL SUPPORT NEW ZOOLOGICAL SOCIETY INC PO BOX 12647 GREEN BAY WI 54307 391516018 501(C)(3) 10000 GENERAL SUPPORT 7 2 X X 1 1 X X X X X 0 0 0 THOMAS YOUNG PRESIDENT/CEO 253938 0 21051 0 8646 0 10200 0 27141 0 320976 0 0 0 KAREN CAREW VP-FINANCE/CFO 137397 0 11411 0 8624 0 6041 0 3936 0 167409 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS WHO DEPOSIT MONEY AS A REGULAR DEPOSIT OF A FINANCIAL INSTITUTION, THEY ALSO OWN A PART OF THE INSTITUTION. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS WHO DEPOSIT MONEY IN THE CREDIT UNION VOTE ON THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11 THE 990 IS REVIEWED BY THE PRESIDENT AND CFO PRIOR TO SUBMISSION WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C STAFF AND OFFICERS ARE REQUIRED TO REVIEW POLICY ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15A VP-HUMAN RESOURCES PROVIDES THE COMPENSATION COMMITTEE, COMPOSED OF THREE DIRECTORS, WITH STATE AND NATIONAL COMPENSATION SURVEYS AND DISCUSSES PERTINENT ISSUES RELATED TO CEO COMPENSATION AND BENEFITS. COMMITTEE REVIEWS INFORMATION WITH FULL BOARD AND DETERMINES COURSE OF ACTION BASED ON CURRENT MARKET. FORM 990, PART VI, SECTION C, LINE 19 POLICIES ARE AVAILABLE UPON REQUEST, SUMMARIZED FINANCIALS ARE POSTED IN BRANCHES. PIONEER TITLE LLC PO BOX 2526 GREEN BAY WI 54306 391921064 TITLE SERVICES WI CREATIVE RESOURCE UNRELATED 106087 3 0 1 0.50000 CREATIVE RESOURCE GROUP PO BOX 2526 GREEN BAY WI 54306 391791605 INSURANCE WI PIONEER CREDIT UNION C 49208 33142 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1