CO-OP CREDIT UNION: Form 990, tax year 2025
View the entire original 990 at ProPublica ↗
- Organization
- CO-OP CREDIT UNION (EIN 39-0745853)
- Tax period
- 2025-01-01 to 2025-12-31
- Filed
- 2026-05-05
- IRS object ID
- 202611259349300831
- Schema version
- 2025v4.1
- 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) |
|---|---|---|
| Return | 2026-05-05T09:20:17-05:00 | ReturnTs |
| Tax Period End | 2025-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 393647910 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WIPFLI ADVISORY LLC | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1502 LONDON ROAD SUITE 200 | AddressLine1Txt |
| City | DULUTH | CityNm |
| State Abbreviation | MN | StateAbbreviationCd |
| ZIP | 55812 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2025-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 390745853 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CO-OP CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | CO-O | BusinessNameControlTxt |
| Phone | 8002580023 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 100 E MAIN ST | AddressLine1Txt |
| City | BLACK RIVER FALLS | CityNm |
| State Abbreviation | WI | StateAbbreviationCd |
| ZIP | 54615 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | TIMOTHY TRANBERG | PersonNm |
| Person Title | CHIEF FINANCIAL OFFICER | PersonTitleTxt |
| Phone | 8002580023 | PhoneNum |
| Signature | 2026-04-30 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | MICHAEL J PETERSON CPA | PreparerPersonNm |
| PTIN | P01833529 | PTIN |
| Phone | 2187224705 | PhoneNum |
| Preparation | 2026-04-30 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2025 | TaxYr |
| Build TS | 2025-03-06 01:10:19Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | TIMOTHY TRANBERG | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 100 E MAIN ST | AddressLine1Txt |
| City | BLACK RIVER FALLS | CityNm |
| State Abbreviation | WI | StateAbbreviationCd |
| ZIP | 54615 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $33,027,514 | GrossReceiptsAmt |
| Group Return For Affiliates | 0 | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.COOPCU.COM | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1938 | FormationYr |
| Legal Domicile State | WI | LegalDomicileStateCd |
| Activity Or Mission | SERVING OUR MEMBERS, WHERE THEY ARE, THROUGH ALL STAGES OF LIFE. | ActivityOrMissionDesc |
| Voting Members Governing Body | 7 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 7 | VotingMembersIndependentCnt |
| Total Employee | 124 | TotalEmployeeCnt |
| Total Volunteers | 13 | TotalVolunteersCnt |
| Total Gross UBI | $9,296 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $0 | NetUnrelatedBusTxblIncmAmt |
| PY Contributions Grants | $28,614 | PYContributionsGrantsAmt |
| CY Contributions Grants | $58,656 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $25,801,631 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $29,774,542 | CYProgramServiceRevenueAmt |
| PY Investment Income | $3,261,311 | PYInvestmentIncomeAmt |
| CY Investment Income | $3,013,671 | CYInvestmentIncomeAmt |
| PY Other Revenue | $74,117 | PYOtherRevenueAmt |
| CY Other Revenue | $64,329 | CYOtherRevenueAmt |
| PY Total Revenue | $29,165,673 | PYTotalRevenueAmt |
| CY Total Revenue | $32,911,198 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $48,303 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $58,552 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $0 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $11,563,801 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $7,232,618 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $7,513,887 | CYSalariesCompEmpBnftPaidAmt |
| PY Total Prof Fndrsng Expns | $0 | PYTotalProfFndrsngExpnsAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $18,422,351 | PYOtherExpensesAmt |
| CY Other Expenses | $7,749,287 | CYOtherExpensesAmt |
| PY Total Expenses | $25,703,272 | PYTotalExpensesAmt |
| CY Total Expenses | $26,885,527 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $3,462,401 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $6,025,671 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $571,744,845 | TotalAssetsBOYAmt |
| Total Assets EOY | $601,424,382 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $508,934,896 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $532,530,359 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $62,809,949 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $68,894,023 | NetAssetsOrFundBalancesEOYAmt |
| Mission | SERVING OUR MEMBERS, WHERE THEY ARE, THROUGH ALL STAGES OF LIFE. | MissionDesc |
| Significant New Program Srvc | 0 | SignificantNewProgramSrvcInd |
| Significant Change | 0 | SignificantChangeInd |
| Desc | CCU HAD DEPOSIT, TRANSACTION, AND INVESTMENT ACCOUNTS WITH 23,551 OF OUR MEMBERS AT 12/31. DURING 2025, CCU OPENED 7,162 NEW DEPOSIT, TRANSACTION AND INVESTMENT ACCOUNTS. | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | CCU FUNDED 3,978 LOANS DURING 2025. AS OF 12/31/25, CCU SERVICED 4,049 MORTGAGES/HOME EQUITY LOANS, 7,712 CONSUMER LOANS, 939 MEMBER BUSINESS LOANS, AND 3,517 CREDIT CARD ACCOUNTS WITH OUR MEMBERS. | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In Section501c3 | 0 | DescribedInSection501c3Ind |
| Schedule B Required | Yes (1) | ScheduleBRequiredInd |
| Political Campaign Acty | 0 | PoliticalCampaignActyInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Donor Advised Fund | 0 | DonorAdvisedFundInd |
| Conservation Easements | 0 | ConservationEasementsInd |
| Collections Of Art | 0 | CollectionsOfArtInd |
| Credit Counseling | Yes (1) | CreditCounselingInd |
| Donor Rstr Or Quasi Endowments | 0 | DonorRstrOrQuasiEndowmentsInd |
| Report Land Building Equipment | Yes (1) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | 0 | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | 0 | ReportProgramRelatedInvstInd |
| Report Other Assets | 0 | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (1) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | 0 | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | 0 | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | 0 | ConsolidatedAuditFinclStmtInd |
| School Operating | 0 | SchoolOperatingInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Foreign Activities | 0 | ForeignActivitiesInd |
| More Than5000 K To Org | 0 | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividualsInd |
| Professional Fundraising | 0 | ProfessionalFundraisingInd |
| Fundraising Activities | 0 | FundraisingActivitiesInd |
| Gaming Activities | 0 | GamingActivitiesInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Grants To Organizations | 0 | GrantsToOrganizationsInd |
| Grants To Individuals | 0 | GrantsToIndividualsInd |
| Schedule J Required | Yes (1) | ScheduleJRequiredInd |
| Tax Exempt Bonds | 0 | TaxExemptBondsInd |
| Loan Outstanding | Yes (1) | LoanOutstandingInd |
| Grant To Related Person | 0 | GrantToRelatedPersonInd |
| Business Rln With Org Mem | 0 | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | 0 | BusinessRlnWithFamMemInd |
| Business Rln With35 Ctrl Ent | 0 | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | 0 | DeductibleNonCashContriInd |
| Deductible Art Contribution | 0 | DeductibleArtContributionInd |
| Terminate Operations | 0 | TerminateOperationsInd |
| Partial Liquidation | 0 | PartialLiquidationInd |
| Disregarded Entity | 0 | DisregardedEntityInd |
| Related Entity | 0 | RelatedEntityInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | 0 | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (1) | ScheduleORequiredInd |
| IRP Document | 14187 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (1) | BackupWthldComplianceInd |
| Employee | 124 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (1) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (1) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | Yes (1) | Form990TFiledInd |
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | 0 | TaxablePartyNotificationInd |
| Nondeductible Contributions | 0 | NondeductibleContributionsInd |
| Indoor Tanning Services | 0 | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | 0 | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | 0 | SubjectToExcsTaxNetInvstIncInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 7 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 7 | IndependentVotingMemberCnt |
| Family Or Business Rln | Yes (1) | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | 0 | DelegationOfMgmtDutiesInd |
| Change To Org Documents | Yes (1) | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (1) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (1) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (1) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (1) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (1) | MinutesOfCommitteesInd |
| Officer Mailing Address | 0 | OfficerMailingAddressInd |
| Local Chapters | 0 | LocalChaptersInd |
| Form990 Provided To Gvrn Body | Yes (1) | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (1) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (1) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (1) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (1) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (1) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (1) | CompensationProcessCEOInd |
| Compensation Process Other | 0 | CompensationProcessOtherInd |
| Investment In Joint Venture | 0 | InvestmentInJointVentureInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | MEGAN ELLINGSON | PersonNm |
| Phone | 8002580023 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 100 E MAIN ST | AddressLine1Txt |
| City | BLACK RIVER FALLS | CityNm |
| State Abbreviation | WI | StateAbbreviationCd |
| ZIP | 54615 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (16 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Highest Compensated EmployeeHighestCompensatedEmployeeInd |
|---|---|---|---|---|---|---|---|
| SARAH LEBAKKEN | |||||||
| VICE CHAIR | 1.00 | Yes (X) | Yes (X) | $8,530 | $0 | $0 | |
| DAVID OVERLIEN | |||||||
| SECRETARY | 1.00 | Yes (X) | Yes (X) | $7,867 | $0 | $0 | |
| TIMOTHY TORKELSON | |||||||
| CHAIR | 1.00 | Yes (X) | Yes (X) | $7,608 | $0 | $0 | |
| TIMOTHY BYOM | |||||||
| DIRECTOR | 1.00 | Yes (X) | $7,170 | $0 | $0 | ||
| DAVID OLSON | |||||||
| DIRECTOR | 1.00 | Yes (X) | $6,925 | $0 | $0 | ||
| STEVEN HOGDEN | |||||||
| TREASURER | 1.00 | Yes (X) | Yes (X) | $6,460 | $0 | $0 | |
| CAROL MARTIN | |||||||
| DIRECTOR | 1.00 | Yes (X) | $6,449 | $0 | $0 | ||
| TIMOTHY TRANBERG | |||||||
| PRESIDENT/CEO | 40.00 | Yes (X) | $236,139 | $0 | $51,356 | ||
| MICHELE STEIEN | |||||||
| CHIEF TALENT OFFICER | 40.00 | Yes (X) | $135,794 | $0 | $34,470 | ||
| MEGAN ELLINGSON | |||||||
| CHIEF FINANCIAL OFFICER | 40.00 | Yes (X) | $115,956 | $0 | $48,475 | ||
| MARIANNE TORKELSON | |||||||
| CHIEF DEVELOPMENT OFFICER | 40.00 | Yes (X) | $115,728 | $0 | $43,415 | ||
| JAYME THOMPSON | |||||||
| CHIEF LENDING OFFICER | 40.00 | Yes (X) | $120,955 | $0 | $37,787 | ||
| KRIS GOETZKA | |||||||
| CHIEF OPERATIONS OFFICER | 40.00 | Yes (X) | $115,224 | $0 | $35,807 | ||
| ERIC SKOGSTAD | |||||||
| CHIEF COMPLIANCE OFFICER | 40.00 | Yes (X) | $115,704 | $0 | $13,444 | ||
| KIM BYOM | |||||||
| VP OPERATIONS | 40.00 | $100,806 | $0 | $29,831 | Yes (X) | ||
| STEPHANIE ALECKSON | |||||||
| VP ACCOUNTING | 40.00 | $108,321 | $0 | $12,525 | Yes (X) | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $1,215,636 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $307,110 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 9 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | 0 | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (1) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | 0 | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp
Contractor Name ContractorName
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | GODFREY & KAHN SC | BusinessNameLine1Txt |
Contractor Address ContractorAddress
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | BIN318 | AddressLine1Txt |
| City | MILWAUKEE | CityNm |
| State Abbreviation | WI | StateAbbreviationCd |
| ZIP | 53288 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Services | LEGAL ADVISOR | ServicesDesc |
| Compensation | $135,593 | CompensationAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 1 | CntrctRcvdGreaterThan100KCnt |
| Government Grants | $58,656 | GovernmentGrantsAmt |
| Total Contributions | $58,656 | TotalContributionsAmt |
Program Service Revenue ProgramServiceRevenueGrp (5 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| INTEREST ON LOANS | 522100 | $26,790,594 | $26,790,594 | |
| OTHER MEMBER SERVICE FEES | 522100 | $2,186,997 | $2,177,701 | $9,296 |
| MEMBER LOAN FEES | 522100 | $440,836 | $440,836 | |
| INSURANCE SALES | 522100 | $231,425 | $231,425 | |
| OFFICER LOAN INCOME | 522100 | $96,170 | $96,170 |
Total Oth Program Service Rev TotalOthProgramServiceRevGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $28,520 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $28,520 | RelatedOrExemptFuncIncomeAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $29,774,542 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $3,046,882 | TotalRevenueColumnAmt |
| Exclusion | $3,046,882 | ExclusionAmt |
Royalties Revenue RoyaltiesRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $44,425 | TotalRevenueColumnAmt |
| Exclusion | $44,425 | ExclusionAmt |
Gross Rents GrossRentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $19,040 | RealAmt |
Less Rental Expenses LessRentalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $0 | RealAmt |
Rental Income Or Loss RentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $19,040 | RealAmt |
Net Rental Income Or Loss NetRentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $19,040 | TotalRevenueColumnAmt |
| Exclusion | $19,040 | ExclusionAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | $83,105 | OtherAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | $116,316 | OtherAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | -$33,211 | OtherAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | -$33,211 | TotalRevenueColumnAmt |
| Exclusion | -$33,211 | ExclusionAmt |
Miscellaneous Revenue MiscellaneousRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $864 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $864 | RelatedOrExemptFuncIncomeAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $864 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $32,911,198 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $29,766,110 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $9,296 | UnrelatedBusinessRevenueAmt |
| Exclusion | $3,077,136 | ExclusionAmt |
Grants To Domestic Orgs GrantsToDomesticOrgsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $58,552 | TotalAmt |
Benefits To Members BenefitsToMembersGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $11,563,801 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,271,263 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,538,009 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $296,959 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,029,610 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $378,046 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $135,593 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $57,691 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $141,802 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $433,703 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $834,180 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $932,240 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $447,996 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $75,601 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $169,970 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $711,421 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $98,414 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| CARDS & ATM EXPENSE | $1,921,486 |
| SERVICING EXPENSE | $737,275 |
| PROVISION FOR CREDIT LO | $719,444 |
| DUES & ASSESSMENTS | $85,694 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $246,776 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $26,885,527 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,983,638 | BOYAmt |
| EOY | $5,528,077 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $59,519,080 | BOYAmt |
| EOY | $35,178,846 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,460,440 | BOYAmt |
| EOY | $1,637,196 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,732,402 | BOYAmt |
| EOY | $3,814,281 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $458,219,186 | BOYAmt |
| EOY | $506,839,148 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $437,432 | BOYAmt |
| EOY | $559,814 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $16,623,965 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $7,364,015 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $9,234,545 | BOYAmt |
| EOY | $9,259,950 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $11,028,322 | BOYAmt |
| EOY | $11,220,514 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,492,000 | BOYAmt |
| EOY | $2,582,000 | EOYAmt |
Investments Program Related InvestmentsProgramRelatedGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,287,943 | BOYAmt |
| EOY | $3,375,943 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $20,349,857 | BOYAmt |
| EOY | $21,428,613 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $571,744,845 | BOYAmt |
| EOY | $601,424,382 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,575,690 | BOYAmt |
| EOY | $4,048,808 | EOYAmt |
Deferred Revenue DeferredRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $165,201 | BOYAmt |
| EOY | $315,498 | EOYAmt |
Escrow Account Liability EscrowAccountLiabilityGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,426,469 | BOYAmt |
| EOY | $1,449,515 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $502,767,536 | BOYAmt |
| EOY | $526,716,538 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $508,934,896 | BOYAmt |
| EOY | $532,530,359 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $62,809,949 | BOYAmt |
| EOY | $68,894,023 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $62,809,949 | BOYAmt |
| EOY | $68,894,023 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $571,744,845 | BOYAmt |
| EOY | $601,424,382 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expnss | $6,025,671 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $58,403 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $0 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | 0 | AccountantCompileOrReviewInd |
| FS Audited | 0 | FSAuditedInd |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequiredInd |
Schedule B IRS990ScheduleB
Contributor Information ContributorInformationGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Contributor | RESTRICTED | ContributorNum |
Contributor Business Name ContributorBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RESTRICTED | BusinessNameLine1 |
Contributor US Address ContributorUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | RESTRICTED | AddressLine1 |
| Address Line2 | RESTRICTED | AddressLine2 |
| City | RESTRICTED | City |
| State | RESTRICTED | State |
| ZIP Code | RESTRICTED | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Contributions | RESTRICTED | TotalContributionsAmt |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Agent Trustee Etc | 0 | AgentTrusteeEtcInd |
| Incl Escrow Custodial Acct Liab | Yes (1) | InclEscrowCustodialAcctLiabInd |
| Explanation Provided | Yes (X) | ExplanationProvidedInd |
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,365,904 | OtherCostOrOtherBasisAmt |
| Book Value | $1,365,904 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $9,778,732 | OtherCostOrOtherBasisAmt |
| Depreciation | $3,292,126 | DepreciationAmt |
| Book Value | $6,486,606 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $5,392,820 | OtherCostOrOtherBasisAmt |
| Depreciation | $4,071,889 | DepreciationAmt |
| Book Value | $1,320,931 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $86,509 | OtherCostOrOtherBasisAmt |
| Book Value | $86,509 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $9,259,950 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | MEMBERS SHARES & DEPOSITS | Desc |
| Amt | $526,716,538 | Amt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $526,716,538 | TotalLiabilityAmt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART IV, LINE 2B: | FormAndLineReferenceDesc |
| Explanation | THE ORGANIZATION MAINTAINS ESCROW ACCOUNTS FOR MEMBERS' REAL ESTATE TAXES AND INSURANCE FOR MEMBERS WHO CARRY A MORTGAGE LOAN. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Club Dues Or Fees | Yes (X) | ClubDuesOrFeesInd |
| Written Policy Ref T And E Expnss | Yes (1) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | Yes (1) | SubstantiationRequiredInd |
| Form990 Of Other Organizations | Yes (X) | Form990OfOtherOrganizationsInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | 0 | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | Yes (1) | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | 0 | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (6 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Bonus Related OrganizationsBonusRelatedOrganizationsAmt | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt | Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt | Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt | Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TIMOTHY TRANBERG | ||||||||||||||
| PRESIDENT/CEO | $188,545 | $0 | $40,920 | $0 | $6,674 | $0 | $23,614 | $0 | $27,742 | $0 | $287,495 | $0 | $0 | $0 |
| MICHELE STEIEN | ||||||||||||||
| CHIEF TALENT OFFICER | $96,676 | $0 | $26,247 | $0 | $12,871 | $0 | $13,579 | $0 | $20,891 | $0 | $170,264 | $0 | $0 | $0 |
| MEGAN ELLINGSON | ||||||||||||||
| CHIEF FINANCIAL OFFICER | $86,848 | $0 | $26,731 | $0 | $2,377 | $0 | $11,596 | $0 | $36,879 | $0 | $164,431 | $0 | $0 | $0 |
| MARIANNE TORKELSON | ||||||||||||||
| CHIEF DEVELOPMENT OFFICER | $87,500 | $0 | $26,882 | $0 | $1,346 | $0 | $41,909 | $0 | $1,506 | $0 | $159,143 | $0 | $0 | $0 |
| JAYME THOMPSON | ||||||||||||||
| CHIEF LENDING OFFICER | $97,935 | $0 | $20,528 | $0 | $2,492 | $0 | $12,095 | $0 | $25,692 | $0 | $158,742 | $0 | $0 | $0 |
| KRIS GOETZKA | ||||||||||||||
| CHIEF OPERATIONS OFFICER | $85,895 | $0 | $29,329 | $0 | $0 | $0 | $11,522 | $0 | $24,285 | $0 | $151,031 | $0 | $0 | $0 |
Supplemental Information Detail SupplementalInformationDetail (2 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| PART I, LINE 1A | ALL EMPLOYEES ARE OFFERED GOLF AND WELLNESS MEMBERSHIPS AT 50% UP TO $400. THE PRESIDENT/CEO'S GOLF MEMBERSHIP IS PAID FOR IN FULL BY THE CREDIT UNION. EXPENSES FOR OFFICERS AND HIGHEST COMPENSATED EMPLOYEES ARE AS FOLLOWS AND WERE INCLUDED IN TAXABLE COMPENSATION: GOLF MEMBERSHIP PARTICIPANTS: - ERIC SKOGSTAD $400 - TIM TRANBERG $920 - JAYME THOMPSON $400 WELLNESS REIMBURSEMENT PARTICIPANTS: - MEGAN ELLINGSON $368 - JAYME THOMPSON $225 - MARIANNE TORKELSON $400 |
| PART I, LINE 4B | MARIANNE TORKELSON PARTICIPATES IN A DEFERRED BONUS PLAN. ACCRUALS RELATING TO THIS PLAN DURING 2025: - MARIANNE TORKELSON $30,336 THERE WERE NO PAYOUTS FROM THIS PLAN DURING 2025. |
Schedule L IRS990ScheduleL
Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (4 entries)
| Relationship With OrgRelationshipWithOrgTxt | Loan PurposeLoanPurposeTxt | Loan From OrganizationLoanFromOrganizationInd | Original PrincipalOriginalPrincipalAmt | Balance DueBalanceDueAmt | DefaultDefaultInd | Board Or Committee ApprovalBoardOrCommitteeApprovalInd | Written AgreementWrittenAgreementInd |
|---|---|---|---|---|---|---|---|
| TIMOTHY TRANBERG | |||||||
| OFFICER | LIFE INSURANCE LIABILITY - SPLIT DOLLAR LIFE INSURANCE AGREEMENT | Yes (X) | $124,843 | $1,313,713 | 0 | Yes (1) | Yes (1) |
| MICHELE STEIEN | |||||||
| OFFICER | LIFE INSURANCE LIABILITY - SPLIT DOLLAR LIFE INSURANCE AGREEMENT | Yes (X) | $72,742 | $836,820 | 0 | Yes (1) | Yes (1) |
| KRISTINE GOETZKA | |||||||
| OFFICER | LIFE INSURANCE LIABILITY - SPLIT DOLLAR LIFE INSURANCE AGREEMENT | Yes (X) | $73,134 | $841,330 | 0 | Yes (1) | Yes (1) |
| MEGAN ELLINGSON | |||||||
| OFFICER | LIFE INSURANCE LIABILITY - SPLIT DOLLAR LIFE INSURANCE AGREEMENT | Yes (X) | $71,490 | $822,418 | 0 | Yes (1) | Yes (1) |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | $3,814,281 | TotalBalanceDueAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (9 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 2 | TIMOTHY TORKELSON AND MARIANNE TORKELSON HAVE A FAMILY RELATIONSHIP. |
| FORM 990, PART VI, SECTION A, LINE 4 | THE CREDIT UNION UPDATED ITS BYLAWS TO INCLUDE THE FOLLOWING AS ELIGIBLE MEMBERS: - EMPLOYEES AND RETIREES OF THE BURLINGTON NORTHERN SANTA FE RAILROAD, CHICAGO AND TWIN CITIES DIVISIONS, THAT WORK IN TO OR OUT OF LA CROSSE, WI - MEMBERS OF LA CROSSE BURLINGTON CREDIT UNION AT THE DATE OF CONSOLIDATION |
| FORM 990, PART VI, SECTION A, LINE 6 | MEMBERSHIP ID DEFINED BY THE ORGANIZATION'S BYLAWS AND IS LOCATED ON THEIR WEBSITE. GENERALLY DEPOSITORS ARE ELIGIBLE TO BE MEMBERS OF THE ORGANIZATIONS, THERE ARE CERTAIN GEOGRAPHIC REQUIREMENTS AND THERE ARE MEMBERSHIP DESIGNATIONS FOR CERTAIN EMPLOYEE AND FORMER EMPLOYEE GROUPS. |
| FORM 990, PART VI, SECTION A, LINE 7A | THE BOARD OF DIRECTORS SERVE A THREE YEAR TERM AND ARE ELECTED BY THE MEMBERS. |
| FORM 990, PART VI, SECTION A, LINE 7B | EACH MEMBER HAS ONE VOTE TO UTILIZE IN RATIFYING SIGNIFICANT DECISIONS BEYOND THE AUTHORITY OF THE BOARD AS OUTLINED IN THE ORGANIZATION'S 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). |
| FORM 990, PART VI, SECTION B, LINE 11B | THE ORGANIZATION PROVIDED THE INFORMATION NECESSARY TO THE ACCOUNTING FIRM TO PREPARE THE FORM 990. THE FORM 990 WAS THEN GIVEN TO MANAGEMENT FOR REVIEW AND BOARD APPROVAL PRIOR TO FILING IT WITH THE IRS. |
| FORM 990, PART VI, SECTION B, LINE 12C | THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS CONSTANTLY MONITORED. EACH TIME AN ISSUE ARISES, THE POLICY IS REVIEW TO ENSURE COMPLIANCE. |
| FORM 990, PART VI, SECTION B, LINE 15A | THE CHIEF TALENT OFFICER LEADS THE REVIEW OF SALARY AND BENEFIT INFORMATION; WHICH IS COMPARED TO SURVEYS WE RECEIVE ANNUALLY FROM AMERICA'S CREDIT UNION AND WESTERN & CENTRAL WI WAGE SURVEY. THE WESTERN & CENTRAL WI WAGE SURVEY REVIEWS CERTAIN POSITIONS ON A ROTATING BASIS ACROSS MULTIPLE INDUSTRIES. THE PRESIDENT/CEO AND CHIEF TALENT OFFICER JOINTLY REVIEW THE COMPENSATION OF OFFICERS AND KEY EMPLOYEES. THE DOCUMENT IS MAINTAINED BY THE CHIEF TALENT OFFICER. THE BOARD REVIEWS THE PRESIDENT/CEO'S COMPENSATION TO THE SURVEYS AND OTHER CREDIT UNION'S 990S DURING ITS EXECUTIVE SESSION. FORM 990, PART VI, SECTION B, LINE 15B: COMPENSATION LEVELS ARE ESTABLISHED USING INDEPENDENT SALARY SURVEYS AND MARKET COMPARISON DATA. THE CEO AND CHIEF TALENT OFFICER ARE RESPONSIBLE FOR DETERMINING APPROPRIATE COMPENSATION. THE CFO MAY PROVIDE INPUT AS PART OF THE ORGANIZATION'S ANNUAL BUDGET REVIEW. |
| FORM 990, PART VI, SECTION C, LINE 19 | THE ORGANIZATION'S RECORDS ARE KEPT AT THE CREDIT UNION FOR PUBLIC INSPECTION AND MEMBERS ARE ADVISED TO REQUEST THESE DOCUMENTS AT THE ANNUAL MEETING. |
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