2013-11-13T11:22:57-06:00 2012-12-31 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2012-01-01 390540608 PIONEER CREDIT UNION PION 9204942828 825 MORRIS AVENUE / PO BOX 2526 GREEN BAY WI 543062526 THOMAS YOUNG 9204942828 2013-11-04 1 MARY A COATES CPA P00134220 7158453111 2013-11-04 2012 2016-02-25 16:41:14Z X THOMAS YOUNG 825 MORRIS AVENUE / PO BOX 2526 GREEN BAY WI 543062526 33059041 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 9 208 10 98666 -19194 0 0 29213311 31996809 494110 424231 33582 16512 29741003 32437552 0 141513 0 0 8103129 8589150 0 0 0 20247112 17384792 28350241 26115455 1390762 6322097 495367524 542292347 452241802 492519444 43125722 49772903 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 MEMBERS RESULTING IN $262 MILLION IN ORIGINATIONS IN 2012. 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 $78,500 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 23282 0 1 208 1 1 1 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 3.50 X 0 0 13 ERWIN DEPAS TERM EXPIRED 3212013 3.50 X 0 0 7 HEATHER KARCZ 3.50 X 0 0 13 PAUL PATTERSON TERM BEGAN 3212013 3.50 X 0 0 0 ROBERT TETZLAFF 3.50 X 0 0 9 MIKE VANDENHOUTEN 3.50 X 0 0 13 JAMES ZIMMER 3.50 X X 0 0 13 JAY KRAMER 3.50 X X 0 0 13 PEGGY LEMEROND 3.50 X X 0 0 13 THEODORE PAPPAS 3.50 X X 0 0 13 THOMAS YOUNG 40.00 X 265507 0 30244 KAREN CAREW 40.00 X 147626 0 6832 RANDALL GLASER 40.00 X 137237 0 18961 JOSEPH SLATTERY 40.00 X 123709 0 17832 WENDY WOHR 40.00 X 132443 0 25093 JOY SNYDER 40.00 X 126109 0 24739 932631 0 123808 6 0 1 0 INTUIT PO BOX 51536 LOS ANGELES CA 900516606 HOME BANKING, BILLE PAYER 780249 PULSE 1301 MCKINNEY ST STE 2500 HOUSTON TX 77010 TRANSACTION PROCESSING, TERMINAL DRIVING 506719 BUSINESS LENDING GROUP 2350 N CASALOMA DR STE 100 APPLETON WI 549138284 COMMERCIAL LOAN ORIGINATION & SERVICING 360633 CORRIGAN'S CUSTOM BUILT STRUCTURES 4424 DICKINSON RD DE PERE WI 54115 TAYLOR ST EXPANSION 289369 FISERV 75 REMITTANCE DR STE 6974 CHICAGO IL 606756974 COMPUTER MAINTENANCE 221660 13 INTEREST ON LOANS 522100 22256439 22256439 ACCT MAINT FEES 522100 3324589 3324589 PRODUCT SALES 522100 3242611 3213722 28889 LENDING FEES 522100 2283573 2283573 INSURANCE INCOME 524298 889597 889597 31996809 673551 69777 603774 16512 0 16512 16512 16512 372169 197649 423840 -197649 -51671 -249320 -51671 -197649 32437552 31932761 98666 406125 139513 2000 1056439 5243681 220778 1572665 495587 2705 71985 45087 168472 783499 1607988 3018691 709263 87647 36311 397647 850661 49868 DIVIDENDS ON MEMBER SHA 4085080 PROVISION FOR LOAN LOSS 2439873 LOAN SERVICING EXPENSE 1588634 REO EXPENSE 825140 616241 26115455 4762033 5881996 36501099 60815618 1080254 1180038 416233854 416183603 914727 1141469 22055830 8202499 13999297 13853331 8921932 24905376 2528315 2777315 10426013 15553601 495367524 542292347 8915983 6700825 47907 16906 18500000 17000000 424777912 468801713 452241802 492519444 X 0 0 0 0 43125722 49772903 43125722 49772903 495367524 542292347 6322097 325084 0 X 0 0 0 6166958 6166958 11041720 4080979 6960741 3132289 2641348 490941 1714863 1480172 234691 13853331 MEMBER SHARES 468801713 468801713 1 ASHWAUBENON HIGH SCHOOL 1055 GRIFFITHS LANE ASHWAUBENON WI 54304 PUBLIC SCHOOL 60000 IMPROVEMENT OF ATHLETIC FIELDS. CHILDREN'S HOSPITAL OF WI 9000 W WISCONSIN AVE WAUWATOSA WI 53226 390812532 501(C)(3) 10297 OPERATING EXPENSES FREEDOM HOUSE 2997 ST ANTHONY DR GREEN BAY WI 54311 391721843 501(C)(3) 13246 OPERATING NEEDS 3 X X 1 1 X X X X X 0 0 0 THOMAS YOUNG 245456 0 20051 0 0 0 10000 0 20244 0 295751 0 0 0 KAREN CAREW 136695 0 10931 0 0 0 5684 0 1148 0 154458 0 0 0 RANDALL GLASER 126866 0 10371 0 0 0 5365 0 13596 0 156198 0 0 0 WENDY WOHR 122392 0 10051 0 0 0 5284 0 19809 0 157536 0 0 0 JOY SNYDER 116858 0 9251 0 0 0 4863 0 19876 0 150848 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 825 MORRIS AVE GREEN BAY WI 54304 391921064 TITLE SERVICES WI CREATIVE RESOURCE UNRELATED 91951 3 0 1 CREATIVE RESOURCE GROUP 825 MORRIS AVE GREEN BAY WI 54304 391791605 TITLE SERVICES WI PIONEER CREDIT UNION C 53937 53275 1.00000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 0 0