2026-05-12T10:50:29-05:00 2025-12-31 393647910 WIPFLI ADVISORY LLC 1502 LONDON ROAD SUITE 200 DULUTH MN 55812 990 2025-01-01 390823125 WESTCONSIN CREDIT UNION WEST 7152353403 3227 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 JIM WOOKEY CEO 7152353403 2026-05-07 1 MICHAEL J PETERSON CPA P01833529 2187224705 2026-05-06 2025 2025-03-06 01:10:19Z JIM WOOKEY 3227 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 133351761 0 2157 X WESTCONSINCU.ORG X 1938 WI TO GIVE MEMBERS, COMMUNITIES, AND ONE ANOTHER THE INSPIRATION, RESOURCES, AND SUPPORT TO ACHIEVE FINANCIAL WELLNESS. 7 7 519 7 3221893 8992 0 0 102342497 115666176 10475544 14404211 2747765 3249806 115565806 133320193 115012 160966 25252670 28709426 43828151 45386007 0 0 0 33417048 36076033 102612881 110332432 12952925 22987761 1957979183 2163974553 1743572658 1907280271 214406525 256694282 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 WESTCONSIN CREDIT UNION, LIKE ALL CREDIT UNIONS, IS EXEMPT FROM FEDERAL AND MOST STATE TAXES BECAUSE WE ARE A MEMBER-OWNED, NOT FOR PROFIT ORGANIZATION. IN TURN, WE REINVEST INTO OUR ORGANIZATION AND COMMUNITIES. WE ENCOURAGE OUR LEADERS AND EMPLOYEES TO GET INVOLVED IN COMMUNITY CHARITABLE ACTIVITIES AND WORTHWHILE CAUSES, VOLUNTEERING 5,308 HOURS IN 2025. THROUGH PROVIDING FREE FINANCIAL PROGRAMS AND SERVICES TO PROMOTE FINANCIAL EDUCATION AND LITERACY, WESTCONSIN EDUCATED OVER 80,467 STUDENTS IN OVER 185 AREA SCHOOLS. IN 2025, WESTCONSIN PROVIDED LOW-COST FINANCIAL SERVICES TO 126,216 MEMBERS. SERVED MEMBERS' INTERESTS BY ACCEPTING DEPOSITS, GRANTING LOANS, AND INVESTING EXCESS FUNDS IN A PRUDENT MANNER. PROVIDED OVER 17,000 LOANS FOR OVER $464 MILLION TO MEMBERS. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 67109 0 1 519 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X JIM WOOKEY 7152353403 3227 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 GERALD WOLF CHAIRPERSON 5.00 X X 9700 0 0 TODD LEIPNITZ VICE CHAIRPERSON 5.00 X X 9700 0 0 KAREN FLUG TREASURER 5.00 X X 9700 0 0 COLLEEN MENSING SECRETARY 5.00 X X 9700 0 0 DALE DAHLKE BOARD MEMBER 5.00 X 9700 0 0 SARAH NOREEN BOARD MEMBER 5.00 X 9700 0 0 JESSE SINGERHOUSE BOARD MEMBER 5.00 X 9700 0 0 JIM WOOKEY CEO 40.00 X 564856 0 96638 STEPHANIE RASMUSSEN CXO 40.00 X 245099 0 80576 NICOLE YARRINGTON CTO 40.00 X 258841 0 81871 SCOTT GILTNER CLO 40.00 X 304648 0 87103 KEVIN HALL CIO 40.00 X 262219 0 68279 RUSS BLASIUS COO 40.00 X 278374 0 83322 JERILYN KINDERMAN CFO 40.00 X 329200 0 91052 JAMES WYNN VP-BUSINESS LOANS AND SERVICES 40.00 X 239283 0 81767 JAMIE GOWER VP-HUMAN RESOURCES 40.00 X 175676 0 69243 JAYSON AMPIG VP-INFORMATION TECHNOLOGY 40.00 X 189538 0 55278 JASON JOHNSON VP-IT SECURITY 40.00 X 180025 0 67023 ALEXANDER BURIAN VP-WISCONSIN INVESTMENT ADVISORS 40.00 X 266018 0 71761 3361677 0 933913 88 0 1 0 VISA USA 900 METRO CENTER BLVD FOSTER CITY CA 94404 PAYMENTS PROCESSOR 3876437 MARKET & JOHNSON 2350 GALLOWAY STREET EAU CLAIRE WI 54702 BUILDING CONTRACTOR 3082009 DIGITAL FIRST HOLDINGS - DRAGON BUYER IN 9 WEST 57TH STREET 32ND FLOOR NEW YOURK NY 10019 MOBILE AND ONLINE BANKING 1560353 FISERV 255 FISERV DR BROOKFIELD WI 53008 IT SOLUTIONS 1045331 HOEFT BUILDERS INC 5410 SEVENS PARKWAY SUITE 100 EAU CLAIRE WI 54701 CONSTRUCTION SERVICES 895424 46 LOAN INTEREST INCOME 522100 90886757 90886757 FEE INCOME 522100 20812290 20754643 57647 MORTGAGE SERVICING INCOME 522100 1759988 1759988 MEMBER FINANCIAL INCOME 525990 1197566 1197566 FANNIE MAE LOAN SALES 522100 1009575 1009575 115666176 14435779 14435779 85560 0 85560 85560 85560 31568 -31568 -31568 -31568 REALTY COMMISSION INCOME 531390 1924472 1924472 TITLE SERVICE INCOME 531390 1239774 1239774 3164246 133320193 115608529 3221893 14489771 146966 14000 28709426 2899978 31432724 3596532 5228094 2228679 1520 161829 117329 1061468 2077018 2319287 7379057 2048740 240329 318307 1 2777888 106157 PROVISION FOR LOAN LOSS 5938306 LOAN & CLOSING COSTS 5352940 DEBIT CARD EXPENSES 4330737 FRAUD EXPENSES 798525 1046595 110332432 16109562 16026582 78434972 144710159 6124589 6809400 1396384449 1494557211 9793015 8578543 74504607 31035186 41251353 43469421 386372147 424974651 6924206 6985856 4614462 4742717 11970428 13120013 1957979183 2163974553 23716012 37890157 482127 605272 1719374519 1868784842 1743572658 1907280271 X 0 0 0 0 214406525 256694282 214406525 256694282 1957979183 2163974553 X 22987761 19595761 -295765 X 0 0 0 0 1 X 5881612 5881612 49773372 15652387 34120985 17645 17645 0 18831978 15365154 3466824 43469421 DEPOSITS 1868549796 ALLOWANCE FOR CREDIT LOSSES 235046 1868784842 PART IV, LINE 2B: THE ORGANIZATION IS THE TRUSTEE OF CERTAIN MEMBER'S ESCROW FUNDS AND HAS RESPONSIBILITY FOR THE ADMINISTRATION AND DISTRIBUTIONS OF THESE FUNDS FOR MEMBERS OF THE ORGANIZATION. 1 UNITED WAY OF DUNN COUNTY PO BOX 3266 MENOMONIE WI 54751 396099810 501(C)(3) 16550 0 GENERAL DONATION/ASSISTANCE CITY OF RIVER FALLS 222 LEWIS STE STE 2074 RIVER FALLS WI 54022 396005590 GOVERNMENT 15000 0 LIBRARY CITY OF NEW RICHMOND 156 E 1ST STREET NEW RICHMOND WI 54017 396005554 GOVERNMENT 12500 0 LIBRARY RICE LAKE HOCKEY ASSOCIATION 1825 CARRIE AVE RICE LAKE WI 54868 237071892 501(C)(3) 12500 0 GENERAL DONATION/ASSISTANCE OUR NEIGHBORS PLACE 122 W JOHNSON ST RIVER FALLS WI 54022 352383155 501(C)(3) 11275 0 GENERAL DONATION/ASSISTANCE FIVE LOAVES FOOD SHELF 144 W 3RD ST NEW RICHMOND WI 54017 391565734 501(C)(3) 11000 0 GENERAL DONATION/ASSISTANCE STEPPING STONES OF DUNN COUNTY INC 1602 STOUT RD MENOMONIE WI 54751 391608607 501(C)(3) 10000 0 PARTNERSHIP DONATION CHIPPEWA VALLEY HEALTH COOPERATIVE PO BOX 398 CHIPPEWA FALS WI 54729 991970392 501(C)(3) 10000 0 GENERAL DONATION/ASSISTANCE 8 0 SCHOLARSHIPS 14 14000 PART I, LINE 2: GRANTS TO ORGANIZATIONS: THE ORGANIZATION MAKES GRANTS TO CHARITABLE ORGANIZATIONS THROUGH BOTH REGIONAL AND CENTRALIZED REVIEW PROCESSES. LOCAL DONATIONS, SPONSORSHIPS, AND PROMOTIONAL SUPPORT ARE REVIEWED AND APPROVED BY OFFICE VICE PRESIDENTS WITHIN THEIR ASSIGNED REGIONS, SUBJECT TO ESTABLISHED OFFICE BUDGETS AND COMPLIANCE WITH THE ORGANIZATION'S CHARITABLE GIVING POLICY AND THREE CORE PILLARS OF GIVING. LARGER OR STRATEGIC CONTRIBUTIONS, INCLUDING DONATIONS EXCEEDING $3,000, MULTIYEAR COMMITMENTS, OR REQUESTS SUPPORTING SIGNIFICANT COMMUNITY INITIATIVES OR CAPITAL PROJECTS, ARE SUBJECT TO CENTRALIZED REVIEW. REQUESTS MAY BE FORWARDED TO THE CHIEF EXPERIENCE OFFICER, WHO EVALUATES EACH REQUEST FOR MISSION ALIGNMENT, POLICY COMPLIANCE, AND BUDGET AVAILABILITY. RECOMMENDATIONS ARE PROVIDED TO EXECUTIVE LEADERSHIP FOR FINAL APPROVAL. ALL CHARITABLE CONTRIBUTIONS ARE REPORTED TO THE BOARD OF DIRECTORS ON A QUARTERLY BASIS TO PROVIDE OVERSIGHT AND ENSURE TRANSPARENCY. GRANTS TO INDIVIDUALS (SCHOLARSHIPS): THE ORGANIZATION AWARDS SCHOLARSHIPS THROUGH AN OBJECTIVE AND INDEPENDENT SELECTION PROCESS. APPLICATIONS ARE REVIEWED BY A SELECTION COMMITTEE COMPOSED OF CURRENT AND FORMER EMPLOYEES AND BOARD MEMBERS. TO MAINTAIN IMPARTIALITY, APPLICATIONS ARE ASSIGNED BY REGION SO REVIEWERS DO NOT EVALUATE APPLICANTS FROM THEIR OWN REGION. EACH APPLICATION IS SUBMITTED THROUGH AN ELECTRONIC SYSTEM AND INDEPENDENTLY SCORED BY MULTIPLE REVIEWERS. SCHOLARSHIP RECIPIENTS ARE SELECTED BASED ON THE HIGHEST AGGREGATE SCORES. IN THE EVENT OF SCORING TIES, THE TIED APPLICATIONS ARE RECIRCULATED FOR ADDITIONAL REVIEW AND SELECTION. X X X X 0 0 0 JIM WOOKEY CEO 525294 0 36038 0 3524 0 52500 0 44138 0 661494 0 0 0 JERILYN KINDERMAN CFO 306756 0 21394 0 1050 0 47809 0 43243 0 420252 0 0 0 SCOTT GILTNER CLO 282859 0 19809 0 1980 0 43896 0 43207 0 391751 0 0 0 RUSS BLASIUS COO 257711 0 18083 0 2580 0 40449 0 42873 0 361696 0 0 0 NICOLE YARRINGTON CTO 240605 0 16946 0 1290 0 37620 0 44251 0 340712 0 0 0 ALEXANDER BURIAN VP-WISCONSIN INVESTMENT ADVISORS 265578 0 170 0 270 0 34878 0 36883 0 337779 0 0 0 KEVIN HALL CIO 244257 0 17092 0 870 0 24712 0 43567 0 330498 0 0 0 STEPHANIE RASMUSSEN CXO 228110 0 15939 0 1050 0 36000 0 44576 0 325675 0 0 0 JAMES WYNN VP-BUSINESS LOANS AND SERVICES 222749 0 15634 0 900 0 34930 0 46837 0 321050 0 0 0 JASON JOHNSON VP-IT SECURITY 166424 0 12551 0 1050 0 26520 0 40503 0 247048 0 0 0 JAMIE GOWER VP-HUMAN RESOURCES 162827 0 11799 0 1050 0 26318 0 42925 0 244919 0 0 0 JAYSON AMPIG VP-INFORMATION TECHNOLOGY 175909 0 12579 0 1050 0 14861 0 40417 0 244816 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE FOLLOWING PERSONS SHALL BE ELIGIBLE FOR MEMBERSHIP IN THIS CREDIT UNION: 1. PERSONS RESIDING OR EMPLOYED IN THE FOLLOWING WISCONSIN COUNTIES; BARRON, BUFFALO, BURNETT, CHIPPEWA, CLARK, DUNN, EAU CLAIRE, JACKSON, PEPIN, PIERCE, PINE, POLK, RUSK, ST. CROIX, SAWYER, TAYLOR, TREMPEALEAU, AND WASHBURN. 2. PERSONS RESIDING OR EMPLOYED IN THE FOLLOWING MINNESOTA COUNTIES; ANOKA, CHISAGO, DAKOTA, GOODHUE, HENNEPIN, ISANTI, RAMSEY, SCOTT, WABASHA, AND WASHINGTON. 3. PERSONS WHO ARE EMPLOYEES, MEMBERS, OR PATRONS OF ANY COOPERATIVE WITH A PRINCIPAL PLACE OF BUSINESS IN ANY OF THE ABOVE COUNTIES IN WISCONSIN OR MINNESOTA. 4. PERSONS WHO ARE EMPLOYEES, STUDENTS, OR ALUMNI OF ANY UNIVERSITY LOCATED IN ANY COUNTY LISTED IN (B)(1) OR (2) ABOVE, INCLUDING UW-BARRON, UW-EAU CLAIRE, UW-RIVER FALLS, AND UW-STOUT. 5. PERSONS WHO ARE EMPLOYEES, STUDENTS OR ALUMNI OF ANY TECHNICAL COLLEGE LOCATED IN ANY COUNTY LISTED IN (B)(1)(2) ABOVE, INCLUDING CHIPPEWA VALLEY TECHNICAL COLLEGE, DAKOTA COUNTY TECHNICAL COLLEGE, AND WISCONSIN INDIANHEAD TECHNICAL COLLEGE. 6. MEMBERS OF OR CONTRIBUTORS TO ANY ALUMNI ASSOCIATION OR FOUNDATION ASSOCIATED WITH A UNIVERSITY OR TECHNICAL COLLEGE LOCATED IN ANY COUNTY LISTED IN (B)(1) OR (2) ABOVE. 7. ANY EMPLOYEE OF THIS CREDIT UNION. 8. MEMBERS OF THE IMMEDIATE FAMILY OF ALL PERSONS ELIGIBLE FOR MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION HAS MEMBERS WHO ELECT MEMBERS OF THE GOVERNING BODY ANNUALLY. THE MEMBERS HAVE THE ABILITY (WITH THREE-FOURTHS VOTE) TO REMOVE ANY DIRECTORS OR AMEND THE BYLAWS. FORM 990, PART VI, SECTION A, LINE 7B AT ANY MEETING OF THE MEMBERS, IF THE NOTICE SO INDICATES, A MAJORITY OF MEMBERS PRESENT MAY DIRECT THE BOARD TO DO ANY OF THE FOLLOWING: 1. CONSIDER IMPLEMENTING ANY POLICY PROPOSED BY THE MEMBERS. 2. RECONSIDER ANY DECISION OF THE DIRECTORS, OFFICERS, OR COMMITTEES. FORM 990, PART VI, SECTION B, LINE 11B THE VP OF ACCOUNTING AND LEAD ACCOUNTANT ACCUMULATES ALL FORM 990 AND FORM 990-T INFORMATION, INCLUDING THE UBIT CALCULATIONS AND PROVIDES TO THE ORGANIZATION'S TAX PREPARER TO PROVIDE THE TAX RETURNS. THESE DOCUMENTS ARE REVIEWED BY THE CFO. THE FORM 990 AND THE FORM 990-T ARE REVIEWED BY THE GOVERNING BODY AND SENIOR MANAGEMENT PRIOR TO SUBMISSION TO THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION'S CONFLICT OF INTEREST POLICY COVERS ALL EMPLOYEES AND BOARD MEMBERS. IT IS REVIEWED ANNUALLY BY THE GOVERNING BODY AND EMPLOYEES. THE GOVERNING BODY VERIFIES EMPLOYEES ARE IN COMPLIANCE WITH CONFLICT OF INTEREST POLICY. CONFLICTS OF INTEREST ARE DETERMINED AT THE CEO, CORPORATE OFFICERS, AND THE BOARD LEVEL IF NECESSARY. THE CONFLICT OF INTEREST POLICY COVERS ALL RESTRICTIONS ARISING IF A CONFLICT OF INTEREST EXISTS. 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. THE ORGANIZATION'S BOARD OF DIRECTORS HAS FINAL APPROVAL OVER THE CEO'S COMPENSATION. THE BOARD OF DIRECTORS ALSO DISCUSS AND APPROVE THE COMPENSATION FOR THE REMAINING EXECUTIVE LEVEL POSITIONS. 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. FORM 990, PART XI, LINE 9: CHANGE IN OTHER COMPREHENSIVE INCOME -295,765. WESTCONSIN REALTY LLC 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 200157525 REAL ESTATE BROKERAGE SERVICES WI 1924472 2817680 WESTCONSIN CREDIT UNION WESTCONSIN TITLE SERVICES LLC 3333 SCHNEIDER AVENUE SE PO BOX 160 MENOMONIE WI 54751 455377540 GENERAL TITLE SERVICES WI 1239774 2100815 WESTCONSIN CREDIT UNION