2013-05-14T19:51:49-05:00 2012-12-31 391127312 WCUL Services Corp N25W23131 Paul Rd Suite 500 Pewaukee WI 53072 990 2012-01-01 390894581 Best Advantage Credit Union BEST 125 Jackson Street Brillion WI 54110 Tammy Williams 9207562119 2013-04-29 false Cari Thompson P01025704 2625490200 2013-05-14 2012 2016-03-07 17:11:31Z Tammy Williams 3762081 false X www.bacu.com X 1941 WI Meeting People9s Needs, Exceeding Their Expectations, One Member At A Time. 7 7 36 7 2500 0 0 3898144 3725242 -262062 -30258 5060 4915 3641142 3699899 0 0 1209684 1229478 0 0 3025497 2003556 4235181 3233034 -594039 466865 66564834 66575058 61734160 61277519 4830674 5297539 Meeting People9s Needs, Exceeding Their Expectations, One Member At A Time. false false We have deposit, transaction, and investment accounts with 7672 members at 12/31. During 2012, we opened 1888 new deposit, transaction and investment accounts. We funded 1415 loans during 2012. As of 12/31/12, we had 711 mortgages/home equity, 2996 consumer loans, and 28 member business loans. We also had 427 credit card accounts with our members. false false false false false false false false true false false false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 1391 0 true 36 true true false false false false false X 7 7 true false false false true true true true true false false true true true true true true false false false X Tammy Williams 9207562119 125 Jackson Street Brillion WI 54110 Bev Kalies 1.00 X X 0 0 0 Dave Sommers 1.00 X X 0 0 0 Kevin Bornemann 1.00 X X 0 0 0 Larry Nies 1.00 X X 0 0 0 Paul Nistler 1.00 X 0 0 0 Shawn Fischer 1.00 X 0 0 0 Sue Hermann 1.00 X 0 0 0 Tammy Williams 40.00 X 104022 0 15975 104022 0 15975 1 false false false Interest on Loans 522100 3021616 3021616 Member fees & charges 522100 566399 566399 Insurance Sales 524298 126899 126899 Non-Member ATM Feees 519100 2500 2500 7828 7828 3725242 25661 25661 4915 4915 6263 62182 -55919 -55919 -55919 3699899 3722742 2500 -25343 104022 883213 47901 112249 82093 47241 52433 41761 190587 226653 119307 36996 29137 199042 37181 Dividends to Members 264304 264304 Member Ins/NCUSIF 37642 37642 Loan Servicing & Loss Exp 505446 505446 Member Account Card Costs 195678 195678 20148 3233034 0 0 0 564981 1029575 4843940 6869831 -638556 894269 57125374 52947056 72884 88693 4107837 1108796 3168943 2999041 1116323 1297519 310945 449074 66564834 66575058 125107 135236 61609053 61142283 61734160 61277519 X 4830674 5297539 4830674 5297539 66564834 66575058 466865 0 X false false false 76644 76644 2830345 365795 2464550 329773 190274 139499 871075 552727 318348 2999041 NCUA Capitalizaion 603283 CUSO-Shared Service Center 10000 CCCU MCS & PIC 499236 CUAnswers 185000 1297519 Member Shares & Deposits 61114844 Deferred Comp 457B Plan 27439 61142283 O01 Unrelated business income explanation Part V line 3b An extension is being filed for Form 990-T O02 Officer directors etc family relationship Part VI line 2 The President and the Sherwood Operations Leader have a family relationship. O03 Members or stockholder classes and rights Part VI line 6 The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors). O04 Member election for additional members Part VI line 7a The Board of Directors is elected by the membership utilizing their one vote per member. O05 Governing body decisions Part VI line 7b Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization9s bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions). O06 Form 990 governing body review Part VI line 11 This will be reviewed by the CU Management Teamm and Board at the monthly Board meeting prior to filing. O07 Conflict of interest policy compliance Part VI line 12c This is disclosed annully at the reorganization meeting. Any proprosed Best Advantage dealings, other the normal BACU responsiblities with individual directors, officers, or employees, must require official approval. O08 Governing documents etc available to public Part VI line 19 Upon request.