2013-05-13T09:20:01-05:00 2012-12-31 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2012-01-01 390823125 WESTCONSIN CREDIT UNION WEST 7152353403 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 GREG LENTZ 7152353403 2013-05-10 1 MARY A COATES CPA P00134220 7158453111 2013-05-10 2012 2016-02-24 21:20:13Z GREG LENTZ 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 89305488 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 0 370 10 1579396 -50276 0 0 42524799 41790537 6463338 11086122 1321859 1641879 50309996 54518538 0 0 0 0 16441091 18485978 0 0 0 29067766 27117913 45508857 45603891 4801139 8914647 743678532 825640755 669138626 742088410 74539906 83552345 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 69,989 MEMBERS. SERVED MEMBERS' INTERESTS BY ACCEPTING DEPOSITS, GRANTING LOANS, AND INVESTING EXCESS FUNDS IN A PRUDENT MANNER. PROVIDED OVER 18,000 LOANS FOR OVER $353 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 29179 0 1 370 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 2.00 X 6000 0 967 COLLEEN MENSING 2.00 X 6000 0 967 TODD LEIPNITZ 2.00 X 6000 0 967 DAVE MAVES 2.00 X X 6000 0 967 GERALD WOLF 2.00 X X 6000 0 967 LYNN BRANTNER 2.00 X X 6000 0 967 RITA LUNDERVILLE 2.00 X X 6000 0 967 GREG LENTZ 40.00 X 306739 0 55983 LEO SCHINDLER 40.00 X 158388 0 36708 LORA BENRUD 40.00 X 159230 0 41674 JIM WOOKEY 40.00 X 118293 0 35301 JAY FAHL 40.00 X 143529 0 39454 SCOTT PRINDLE 40.00 X 191001 0 23611 LISA ZIEBARTH 40.00 X 150842 0 42918 JORDI BUCHNER 40.00 X 146821 0 26258 TAMARA HERBST 40.00 X 136144 0 19240 PATRICIA JOHNSON 40.00 X 119856 0 35710 1672843 0 363626 10 0 1 0 JAMES HELMER 2880 PIERCE ST CROIX RD SPRING VALLEY WI 54767 REALTY AGENT 123156 CRAIG PECHACEK 1441 RIVERSIDE PO BOX 615 RIVER FALLS WI 54022 REALTY AGENT 120715 JENNIFER SYVERSON 1368 FOSTER ST RIVER FALLS WI 54022 REALTY AGENT 105404 3 LOAN INTEREST INCOME 522100 30000527 30000527 FEE INCOME 522100 11254783 11229766 25017 MEMBER FINANCIAL INCOME 525990 373013 373013 MORTGAGE SERVICING INCOME 900099 162214 162214 41790537 2032555 2032555 85936 0 85936 85936 85936 34867304 8973213 34374857 412093 492447 8561120 9053567 8561120 492447 REALTY COMMISSION INCOME 531390 1368161 1366725 1436 TITLE SERVICE INCOME 531390 187782 187654 128 1555943 54518538 50412576 1579396 2526566 X 1144068 12831508 1394490 2047426 1068486 107254 83850 954010 1357617 2142321 3684254 1249394 244105 1192302 177247 DIVIDENDS ON MEMBER ACC 6271089 PROVISION FOR LOAN LOSS 3920659 LOAN SERVICING EXPENSE 3433673 MSR IMPAIRMENT 1454737 845401 45603891 3785653 3900328 138563109 197444291 569939635 588990919 222194 295113 28598473 11003679 13586656 17594794 400140 389310 17181145 17026000 743678532 825640755 5631757 5590294 663506869 736498116 669138626 742088410 X 0 0 0 0 74539906 83552345 74539906 83552345 743678532 825640755 X 8914647 371549 -273757 X 0 0 0 3737658 3737658 16994984 5372588 11622396 7865831 5631091 2234740 17594794 DEPOSITS 736498116 736498116 X X 0 0 0 GREG LENTZ 302521 0 0 0 4218 0 32958 0 23025 0 362722 0 0 0 LEO SCHINDLER 156408 0 0 0 1980 0 17091 0 19617 0 195096 0 0 0 LORA BENRUD 158496 0 0 0 734 0 17604 0 24070 0 200904 0 0 0 JIM WOOKEY 117962 0 0 0 331 0 13108 0 22193 0 153594 0 0 0 JAY FAHL 142878 0 0 0 651 0 15896 0 23558 0 182983 0 0 0 SCOTT PRINDLE 190824 0 0 0 177 0 11644 0 11967 0 214612 0 0 0 LISA ZIEBARTH 150602 0 0 0 240 0 17263 0 25655 0 193760 0 0 0 JORDI BUCHNER 146640 0 0 0 181 0 16305 0 9953 0 173079 0 0 0 TAMARA HERBST 135799 0 0 0 345 0 8261 0 10979 0 155384 0 0 0 PATRICIA JOHNSON 119692 0 0 0 164 0 13666 0 22044 0 155566 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 ACCOUNTING MANAGER ACCUMULATES ALL 990 AND 990T INFORMATION, INCLUDING THE UBIT CALCULATIONS. THESE DOCUMENTS ARE REVIEWED BY THE VP-FINANCE. THE 990 AND THE 990T ARE REVIEWED BY THE GOVERNING BODY AND SENIOR MANAGEMENT. 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. OTHER FEES FORM 990, PART IX, LINE 11G COMMISSION FEES : TOTAL EXPENSES 954,010. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 9: CHANGE IN OTHER COMPREHENSIVE INCOME -273,757. WESTCONSIN REALTY LLC 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 200157525 REAL ESTATE BROKERAGE SERVICES WI 1368161 324366 WESTCONSIN CREDIT UNION WESTCONSIN TITLE SERVICES LLC 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 455377540 GENERAL TITLE SERVICES WI 187782 108564 WESTCONSIN CREDIT UNION