WESTCONSIN CREDIT UNION: Form 990, tax year 2010
View the entire original 990 at ProPublica ↗
- Organization
- WESTCONSIN CREDIT UNION (EIN 39-0823125)
- Tax period
- 2010-01-01 to 2010-12-31
- Filed
- 2011-06-23
- IRS object ID
- 201131749349300213
- Schema version
- 2010v3.2
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Timestamp | 2011-06-23T12:01:27-05:00 | Timestamp |
| Tax Period End Date | 2010-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WIPFLI LLP | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 7601 FRANCE AVENUE SOUTH SUITE 400 | AddressLine1 |
| City | MINNEAPOLIS | City |
| State | MN | State |
| ZIP Code | 55435 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2010-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 390823125 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WESTCONSIN CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | WEST | NameControl |
| Phone | 7152353403 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3333 SCHNEIDER AVENUE SE PO BOX 160 | AddressLine1 |
| City | MENOMONIE | City |
| State | WI | State |
| ZIP Code | 54751 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | GREG LENTZ | Name |
| Title | PRESIDENT | Title |
| Phone | 7152353403 | Phone |
| Date Signed | 2011-06-20 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | RICHARD RUVELSON | Name |
| Phone | 9525483400 | Phone |
| Date Prepared | 2011-06-20 | DatePrepared |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2010 | TaxYear |
| Build TS | 2016-03-07 17:11:31Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Of Principal Officer Person | GREG LENTZ | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3333 SCHNEIDER AVENUE | AddressLine1 |
| City | MENOMONIE | City |
| State | WI | State |
| ZIP Code | 54751 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 49192584 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Group Exemption Number | 2157 | GroupExemptionNumber |
| Organization501c | X | Organization501c |
| Web Site | WESTCONSINCU.ORG | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1939 | YearFormation |
| State Legal Domicile | WI | StateLegalDomicile |
| Activity Or Mission Description | 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. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 7 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 7 | NbrIndependentVotingMembers |
| Total Nbr Employees | 324 | TotalNbrEmployees |
| Total Nbr Volunteers | 9 | TotalNbrVolunteers |
| Total Gross UBI | 1021320 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | -174534 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 42286349 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 42735233 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 4789724 | InvestmentIncomePriorYear |
| Investment Income Current Year | 4358440 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 1190870 | OtherRevenuePriorYear |
| Other Revenue Current Year | 1065851 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 48266943 | TotalRevenuePriorYear |
| Total Revenue Current Year | 48159524 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 0 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 0 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 0 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 14541250 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 15437320 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp Prior Year | 0 | TotalProfFundrsngExpPriorYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 0 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 29415699 | OtherExpensePriorYear |
| Other Expenses Current Year | 29219539 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 43956949 | TotalExpensesPriorYear |
| Total Expenses Current Year | 44656859 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 4309994 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 3502665 | RevenuesLessExpensesCY |
| Total Assets BOY | 646372395 | TotalAssetsBOY |
| Total Assets EOY | 702215861 | TotalAssetsEOY |
| Total Liabilities BOY | 580564901 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 633168132 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 65807494 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 69047729 | NetAssetsOrFundBalancesEOY |
| Info In Schedule O Part III | X | InfoInScheduleOPartIII |
| Mission Description | 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. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Description | PROVIDED LOW-COST FINANCIAL SERVICES TO 66,045 MEMBERS. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | SERVED MEMBERS' INTERESTS BY ACCEPTING DEPOSITS, GRANTING LOANS, AND INVESTING EXCESS FUNDS IN A PRUDENT MANNER. | Description |
Activity3 Activity3
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | PROVIDED OVER 19,000 LOANS FOR OVER $247 MILLION TO MEMBERS. | Description |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In501 C3 | 0 | DescribedIn501C3 |
| Schedule B Required | 0 | ScheduleBRequired |
| Political Activities | 0 | PoliticalActivities |
| Donor Advised Funds | 0 | DonorAdvisedFunds |
| Conservation Easements | 0 | ConservationEasements |
| Collections Of Art | 0 | CollectionsOfArt |
| Credit Counseling | 0 | CreditCounseling |
| Term Or Permanent Endowments | 0 | TermOrPermanentEndowments |
| Report Land Bldg Equip | 1 | ReportLandBldgEquip |
| Report Invest Oth Securities | 0 | ReportInvestOthSecurities |
| Report Prog Rel Invest | 0 | ReportProgRelInvest |
| Report Other Assets | 0 | ReportOtherAssets |
| Report Other Liabilities | 0 | ReportOtherLiabilities |
| Report Fin48 Footnote | 0 | ReportFin48Footnote |
| Independent Audit Financial Stmt | 0 | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | 0 | ConsolidatedAuditFinancialStmt |
| School | 0 | School |
| Foreign Office | 0 | ForeignOffice |
| Foreign Activities | 0 | ForeignActivities |
| More Than5000 K To Organizations | 0 | MoreThan5000KToOrganizations |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividuals |
| Professional Fundraising | 0 | ProfessionalFundraising |
| Fundraising Activities | 0 | FundraisingActivities |
| Gaming | 0 | Gaming |
| Hospital | 0 | Hospital |
| Grants To Organizations | 0 | GrantsToOrganizations |
| Grants To Individuals | 0 | GrantsToIndividuals |
| Schedule J Required | 1 | ScheduleJRequired |
| Tax Exempt Bonds | 0 | TaxExemptBonds |
| Loan To Officer Or DQP | 0 | LoanToOfficerOrDQP |
| Grant To Related Person | 0 | GrantToRelatedPerson |
| Bsnss Rltnshp With Organization | 0 | BsnssRltnshpWithOrganization |
| Bsnss Rltnshp Thru Family Member | 0 | BsnssRltnshpThruFamilyMember |
| Officer Entity With Bsnss Rltnshp | 0 | OfficerEntityWithBsnssRltnshp |
| Deductible Non Cash Contributions | 0 | DeductibleNonCashContributions |
| Deductible Contributions Of Art | 0 | DeductibleContributionsOfArt |
| Terminated | 0 | Terminated |
| Partial Liquidation | 0 | PartialLiquidation |
| Disregarded Entity | 1 | DisregardedEntity |
| Related Entity | 0 | RelatedEntity |
| Related Org Controlled Entity | 0 | RelatedOrgControlledEntity |
| Transaction Related Entity | 0 | TransactionRelatedEntity |
| Activities Conducted Partnership | 0 | ActivitiesConductedPartnership |
| Schedule O Required | 1 | ScheduleORequired |
| Number Forms Transmitted With1096 | 27353 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Number Of Employees | 324 | NumberOfEmployees |
| Employment Tax Returns Filed | 1 | EmploymentTaxReturnsFiled |
| Unrelated Business Income | 1 | UnrelatedBusinessIncome |
| Form990-T Filed | 1 | Form990-TFiled |
| Foreign Financial Account | 0 | ForeignFinancialAccount |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTrans |
| Taxable Party Notification | 0 | TaxablePartyNotification |
| Non Deductible Contributions | 0 | NonDeductibleContributions |
| Indoor Tanning Services | 0 | IndoorTanningServices |
| Info In Schedule O Part VI | X | InfoInScheduleOPartVI |
| Nbr Voting Governing Body Members | 7 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 7 | NumberIndependentVotingMembers |
| Family Or Business Relationship | 0 | FamilyOrBusinessRelationship |
| Delegation Of Management Duties | 0 | DelegationOfManagementDuties |
| Changes To Organizing Docs | 0 | ChangesToOrganizingDocs |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuse |
| Members Or Stockholders | 1 | MembersOrStockholders |
| Election Of Board Members | 1 | ElectionOfBoardMembers |
| Decisions Subject To Approval | 1 | DecisionsSubjectToApproval |
| Minutes Of Governing Body | 1 | MinutesOfGoverningBody |
| Minutes Of Committees | 1 | MinutesOfCommittees |
| Officer Mailing Address | 0 | OfficerMailingAddress |
| Local Chapters | 1 | LocalChapters |
| Policies Reference Chapters | 1 | PoliciesReferenceChapters |
| Form990 Provided To Governing Body | 1 | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | 1 | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | 1 | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | 1 | RegularMonitoringEnforcement |
| Whistleblower Policy | 1 | WhistleblowerPolicy |
| Document Retention Policy | 1 | DocumentRetentionPolicy |
| Compensation Process CEO | 1 | CompensationProcessCEO |
| Compensation Process Other | 1 | CompensationProcessOther |
| Investment In Joint Venture | 0 | InvestmentInJointVenture |
| Upon Request | X | UponRequest |
The Books Are In Care Of TheBooksAreInCareOf
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | LORA BENRUD | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 7152353403 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3333 SCHNEIDER AVENUE | AddressLine1 |
| City | MENOMONIE | City |
| State | WI | State |
| ZIP Code | 54751 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (14 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | OfficerOfficer | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | Key EmployeeKeyEmployee | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|---|
| DAVE MAVES | ||||||||
| BOARD CHAIRPERSON | 2.00 | X | X | 6000 | 0 | 967 | ||
| GERALD WOLF | ||||||||
| BOARD VICE-CHAIRPERSON | 2.00 | X | X | 6000 | 0 | 967 | ||
| LYNN BRANTNER | ||||||||
| BOARD SECRETARY | 2.00 | X | X | 6000 | 0 | 967 | ||
| RITA LUNDERVILLE | ||||||||
| BOARD TREASURER | 2.00 | X | X | 6000 | 0 | 967 | ||
| DALE DAHLKE | ||||||||
| BOARD ASST VICE CHAIRPERSO | 2.00 | X | 5000 | 0 | 967 | |||
| COLLEEN MENSING | ||||||||
| BOARD ASST VICE CHAIRPERSO | 2.00 | X | 6000 | 0 | 967 | |||
| TODD LEIPNITZ | ||||||||
| BOARD ASST VICE CHAIRPERSO | 2.00 | X | 6000 | 0 | 967 | |||
| GREG LENTZ | ||||||||
| PRESIDENT | 40.00 | X | 278572 | 0 | 57584 | X | ||
| LEO SCHINDLER | ||||||||
| VP-LENDING | 40.00 | X | 140754 | 0 | 36053 | |||
| LORA BENRUD | ||||||||
| VP-FINANCE | 40.00 | X | 141388 | 0 | 38178 | |||
| MIKE SCHMITZ | ||||||||
| VP-OPERATIONS | 40.00 | X | 140034 | 0 | 36053 | |||
| JAY FAHL | ||||||||
| VP-MARKETING | 40.00 | X | 124804 | 0 | 35659 | |||
| JEFFREY MCCARDLE | ||||||||
| VP - BUSINESS LENDING | 40.00 | X | 125945 | 0 | 52100 | |||
| LISA ZIEBARTH | ||||||||
| REAL ESTATE LOAN ORIGINATO | 40.00 | 142141 | 0 | 39915 | X | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 1134638 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 302311 | TotalOtherCompensation |
| Number Individuals GT100 K | 7 | NumberIndividualsGT100K |
| Formers Listed | 0 | FormersListed |
| Total Comp GT150 K | 1 | TotalCompGT150K |
| Compensation From Other Sources | 0 | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation
Name Of Contractor NameOfContractor
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Person | CRAIG PECHACEK | NamePerson |
Address Of Contractor AddressOfContractor
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3333 SCHNEIDER AVENUE SE PO BOX 160 | AddressLine1 |
| City | MENOMONIE | City |
| State | WI | State |
| ZIP Code | 54751 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description Of Services | REAL ESTATE BROKER | DescriptionOfServices |
| Compensation | 154048 | Compensation |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 1 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (4 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| LOAN INTEREST INCOME | 522100 | 32554071 | 32554071 | |
| FEE INCOME | 522100 | 9240801 | 9201927 | 38874 |
| MORTGAGE SERVICING INC | 900099 | 785178 | 785178 | |
| MEMBER FINANCIAL INCOM | 525990 | 155183 | 155183 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 42735233 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 454868 | TotalRevenueColumn |
| Exclusion | $454,868 | ExclusionAmount |
Gross Rents GrossRents
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 83405 | Real |
Rental Income Or Loss RentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 83405 | Real |
Net Rental Income Or Loss NetRentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 83405 | TotalRevenueColumn |
| Related Or Exempt Function Income | 83405 | RelatedOrExemptFunctionIncome |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 4936632 | Other |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 1033060 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 3903572 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 3903572 | TotalRevenueColumn |
| Related Or Exempt Function Income | 3903572 | RelatedOrExemptFunctionIncome |
Other Revenue Misc OtherRevenueMisc
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | REALTY COMMISSION INCO | Description |
| Business Code | 531390 | BusinessCode |
| Total Revenue Column | 982446 | TotalRevenueColumn |
| Unrelated Business Revenue | 982446 | UnrelatedBusinessRevenue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Other Revenue | 982446 | TotalOtherRevenue |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 48159524 | TotalRevenueColumn |
| Related Or Exempt Function Income | 46683336 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 1021320 | UnrelatedBusinessRevenue |
| Exclusion | $454,868 | ExclusionAmount |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1436949 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 9602656 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1072121 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2504006 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 821588 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 254617 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 58672 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1111336 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1884935 | Total |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3289474 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1075792 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 205447 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1018340 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 131433 | Total |
Other Expenses OtherExpenses (5 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| DIVIDENDS ON MEMBER ACC | 9356834 |
| PROVISION FOR LOAN LOSS | 5327759 |
| LOAN SERVICING EXPENSE | 3071038 |
| NCUSIF FEES | 1445622 |
| REALTY COMMISSIONS | 658805 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 329435 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 44656859 | Total |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 3728709 | BOY |
| EOY | 3755577 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 90703604 | BOY |
| EOY | 119819134 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 526644271 | BOY |
| EOY | 549991631 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 323185 | BOY |
| EOY | 292389 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 22741596 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 10865733 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 12248063 | BOY |
| EOY | 11875863 | EOY |
Investments Other Securities InvestmentsOtherSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 10100 | BOY |
| EOY | 10100 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 12714463 | BOY |
| EOY | 16471167 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 646372395 | BOY |
| EOY | 702215861 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 3973164 | BOY |
| EOY | 5086810 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 576591737 | BOY |
| EOY | 628081322 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 580564901 | BOY |
| EOY | 633168132 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Do Not Follow SFAS117 | X | DoNotFollowSFAS117 |
Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 65807494 | BOY |
| EOY | 69047729 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 65807494 | BOY |
| EOY | 69047729 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 646372395 | BOY |
| EOY | 702215861 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | X | InfoInScheduleOPartXI |
| Reconcilation Revenue Expenses | 3502665 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | -262430 | ReconcilationOtherChanges |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | 0 | AccountantCompileOrReview |
| FS Audited | 0 | FSAudited |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequired |
Schedule D IRS990ScheduleD
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 3166865 | OtherCostOrOtherBasis |
| Book Value | 3166865 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 11522874 | OtherCostOrOtherBasis |
| Depreciation | 4517019 | Depreciation |
| Book Value | 7005855 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 8051857 | OtherCostOrOtherBasis |
| Depreciation | 6348714 | Depreciation |
| Book Value | 1703143 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 11875863 | TotalOfBookValueLandBuildings |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | DEPOSITS | Description |
| Amount | $628,081,322 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 628081322 | TotalOfAmounts |
| Total Revenue | 48159524 | TotalRevenue |
| Total Expenses | 44656859 | TotalExpenses |
| Excess Or Deficit For Year | 3502665 | ExcessOrDeficitForYear |
| Other | -$262,430 | OtherAmount |
| Total Adjustments | -262430 | TotalAdjustments |
| Excess Or Deficit Per FS | 3240235 | ExcessOrDeficitPerFS |
Form990 Schedule D Part XIV Form990ScheduleDPartXIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Explanation | SCHEDULE D, PAGE 4, PART XI, LINE 8: HEALTH INSURANCE FOR FUTURE RETIREES WAS RECORDED AS A DEBIT TO EQUITY (OTHER COMPREHENSIVE INCOME) IN THE AMOUNT OF $262,430. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Independent Consultant | X | IndependentConsultant |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | 0 | SeverancePayment |
| Supplemental Nonqual Retire Plan | 0 | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | 0 | EquityBasedCompArrangement |
Form990 Schedule J Part II Form990ScheduleJPartII (7 entries)
| Base Compensation Filing OrgBaseCompensationFilingOrg | Comp Based On Related OrgsCompBasedOnRelatedOrgs | Bonus Filing OrgBonusFilingOrg | Bonus Related OrgsBonusRelatedOrgs | Other Compensation Filing OrgOtherCompensationFilingOrg | Other Compensation Related OrgsOtherCompensationRelatedOrgs | Deferred Comp Filing OrgDeferredCompFilingOrg | Deferred Comp Related OrgsDeferredCompRelatedOrgs | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg | Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs | Total Compensation Filing OrgTotalCompensationFilingOrg | Total Compensation Related OrgsTotalCompensationRelatedOrgs | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg | Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| GREG LENTZ | |||||||||||||
| 278572 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 57584 | 0 | 336156 | 0 | 0 | 0 |
| LEO SCHINDLER | |||||||||||||
| 140754 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36053 | 0 | 176807 | 0 | 0 | 0 |
| LORA BENRUD | |||||||||||||
| 141388 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 38178 | 0 | 179566 | 0 | 0 | 0 |
| MIKE SCHMITZ | |||||||||||||
| 140034 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36053 | 0 | 176087 | 0 | 0 | 0 |
| JAY FAHL | |||||||||||||
| 124804 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35659 | 0 | 160463 | 0 | 0 | 0 |
| JEFFREY MCCARDLE | |||||||||||||
| 125945 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 52100 | 0 | 178045 | 0 | 0 | 0 |
| LISA ZIEBARTH | |||||||||||||
| 142141 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39915 | 0 | 182056 | 0 | 0 | 0 |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (8 entries)
| IdentifierIdentifier | ExplanationExplanation | Return ReferenceReturnReference |
|---|---|---|
| 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 ORGANIZTION. | |
| 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. | |
| 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 12C | |
| 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 B, LINE 15 | |
| THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. | FORM 990, PART VI, SECTION C, LINE 19 | |
| CHANGES IN NET ASSETS OR FUND BALANCES: | OTHER COMPREHENSIVE INCOME - RETIREE HEALTH INSURANCE -262,430. TOTAL TO FORM 990, PART XI, LINE 5: -262,430. | FORM 990, PART XI, LINE 5: |
Schedule R IRS990ScheduleR
Form990 Schedule R Part I Form990ScheduleRPartI
Name Of Disregarded Entity NameOfDisregardedEntity
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WESTCONSIN REALTY LLC | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 3333 SCHNEIDER AVENUE SE PO BOX 160 | AddressLine1 |
| City | MENOMONIE | City |
| State | WI | State |
| ZIP Code | 54751 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 200157525 | EIN |
| Primary Activities | REAL ESTATE BROKERAGE SERVICES | PrimaryActivities |
| Legal Domicile State | WI | LegalDomicileState |
| Total Income | 982446 | TotalIncome |
| EOY Assets | 329750 | EOYAssets |
Direct Controlling Entity Name DirectControllingEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WESTCONSIN CREDIT UNION | BusinessNameLine1 |
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