SUPERIOR CHOICE CREDIT UNION: Form 990, tax year 2021

View the entire original 990 at ProPublica ↗

Organization: SUPERIOR CHOICE CREDIT UNION (EIN 39-0906277)
Tax period: 2021-01-01 to 2021-12-31
Filed: 2022-10-06
IRS object ID: 202212799349301516
Schema version: 2021v4.0
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
Form 990
Schedule D
Schedule I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2022-10-06T15:09:41-04:00	ReturnTs
Tax Period End	2021-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	472565485	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	BUCKINGHAM BUSINESS ADVISORS LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	180-A COMMERCE PARK DR	AddressLine1Txt
City	WESTERVILLE	CityNm
State Abbreviation	OH	StateAbbreviationCd
ZIP	430826067	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2021-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	390906277	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	SUPERIOR CHOICE CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	SUPE	BusinessNameControlTxt
Phone	7157185804	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1320 GRAND AVENUE	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	BEN ALTONEN	PersonNm
Person Title	CFO/EVP	PersonTitleTxt
Phone	7157185804	PhoneNum
Signature	2022-10-06	SignatureDt

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	BEN	PersonFirstNm
Person Last	ALTONEN	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	ERIN ALDERSON EA	PreparerPersonNm
PTIN	P01231640	PTIN
Phone	6148906620	PhoneNum
Preparation	2022-10-06	PreparationDt

Field	Value	IRS element (for citing)
Tax	2021	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	TIM FOSTER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1320 GRAND AVE	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$23,422,033	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.SUPERIORCHOICE.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1932	FormationYr
Legal Domicile State	WI	LegalDomicileStateCd
Activity Or Mission	A NOT-FOR-PROFIT MEMBER-OWNED FINANCIAL INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO OUR MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	190	TotalEmployeeCnt
Total Volunteers	7	TotalVolunteersCnt
Total Gross UBI	$56,332	TotalGrossUBIAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$22,820,028	PYProgramServiceRevenueAmt
CY Program Service Revenue	$22,725,876	CYProgramServiceRevenueAmt
PY Investment Income	$803,716	PYInvestmentIncomeAmt
CY Investment Income	$598,995	CYInvestmentIncomeAmt
PY Other Revenue	$106,389	PYOtherRevenueAmt
CY Other Revenue	$97,162	CYOtherRevenueAmt
PY Total Revenue	$23,730,133	PYTotalRevenueAmt
CY Total Revenue	$23,422,033	CYTotalRevenueAmt
CY Grants And Similar Paid	$7,750	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$7,569,232	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$8,794,086	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$11,069,190	PYOtherExpensesAmt
CY Other Expenses	$12,624,254	CYOtherExpensesAmt
PY Total Expenses	$18,638,422	PYTotalExpensesAmt
CY Total Expenses	$21,426,090	CYTotalExpensesAmt
PY Revenues Less Expenses	$5,091,711	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,995,943	CYRevenuesLessExpensesAmt
Total Assets BOY	$546,658,124	TotalAssetsBOYAmt
Total Assets EOY	$601,143,174	TotalAssetsEOYAmt
Total Liabilities BOY	$486,731,562	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$538,551,142	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$59,926,562	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$62,592,032	NetAssetsOrFundBalancesEOYAmt
Mission	A NOT-FOR-PROFIT MEMBER-OWNED FINANCIAL INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO OUR MEMBERS. OPERATIONS ARE PRIMARILY RELATED TO HOLDING DEPOSITS FOR AND MAKING LOANS TO MEMBERS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	FINANCIAL SERVICE PROVIDER TO INCLUDE LOANS, DEPOSITS, AND TRANSACTIONAL SERVICES TO ALL MEMBERS.	Desc
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	Yes (true)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	false	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (true)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	Yes (true)	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	false	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	15386	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	190	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	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	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd
Other	Yes (X)	OtherInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	TIM FOSTER	PersonNm
Phone	7157185804	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1320 GRAND AVE	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (16 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
TIM FOSTER
PRESIDENT &	40.00	Yes (X)	$383,829	$0	$47,471
SHANE ASBEL
COO/EVP	40.00	Yes (X)	$276,046	$0	$27,152
BEN ALTONEN
CFO/EVP	40.00	Yes (X)	$260,967	$0	$37,985
KELLI KOEHLER
CMO/SVP	40.00	Yes (X)	$165,250	$0	$4,738
JULIE LUPA
VP MORTGAGE	40.00	Yes (X)	$132,451	$0	$26,152
SCOTT MAKI
CPO/EVP	40.00	Yes (X)	$100,363	$0	$19,615
MIKE BAKER
VP IT	40.00	Yes (X)	$101,787	$0	$13,801
DANIELLE SEVERSON
VP FRAUD/COL	40.00	Yes (X)	$73,010	$0	$9,457
KEVIN KUBAT
VP CONSUMER	40.00	Yes (X)	$22,657	$0	$0
MARK CASPER
BOARD CHAIR	1.00		$7,900	$0	$0	Yes (X)
BILL ANDERSON
BOARD VICE C	1.00		$7,300	$0	$0	Yes (X)
PAUL GILBERTSON
TREASURER	1.00		$6,700	$0	$0	Yes (X)
PAMELA TAFELSKI
VICE CHAIR L	1.00		$6,700	$0	$0	Yes (X)
CHARLIE GLAZMAN
VICECHAIR NO	1.00		$6,100	$0	$0	Yes (X)
JIM LARSON
SECRETARY	1.00		$6,100	$0	$0	Yes (X)
GREG RUNNING
ALCO	1.00		$6,100	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,563,260	TotalReportableCompFromOrgAmt
Total Other Compensation	$186,371	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	7	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV INC
PO BOX 934057	ATLANTA	GA	31193	PROCESSING	$1,415,080
SECURITY HEALTH
PO BOX 8000	MARSHFIELD	WI	54449	INSURANCE	$675,940
PSCU
560 CARILLON PKWY	ST PETERSBURG	FL	33716	DEBIT CARDS	$598,820
NUSOURCE FINANCIAL
9749 HAMILTON RD	EDEN PRAIRIE	MN	55344	MAINTENANCE	$444,643
OUT THERE ADVERTISING
22 E 2 ST	DULUTH	MN	55802	ADVERTISING	$406,900

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INTEREST ON LOANS	522100	$16,856,753	$16,856,753
FEE INCOME	522100	$3,550,856	$3,550,856
INTERCHANGE FEES	522100	$1,513,241	$1,513,241
OTHER OPERATING REVENUE	522100	$573,258	$573,258
INSURANCE SALES & COMMISSIONS	524298	$175,436	$175,436

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$56,332	TotalRevenueColumnAmt
Unrelated Business Revenue	$56,332	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$22,725,876	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$598,995	TotalRevenueColumnAmt
Exclusion	$598,995	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$76,304	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$76,304	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$76,304	TotalRevenueColumnAmt
Related Or Exempt Func Income	$76,304	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	NON OPERATING INCOME	Desc
Business	522100	BusinessCd
Total Revenue Column	$20,858	TotalRevenueColumnAmt
Exclusion	$20,858	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$20,858	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$23,422,033	TotalRevenueColumnAmt
Related Or Exempt Func Income	$22,745,848	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$56,332	UnrelatedBusinessRevenueAmt
Exclusion	$619,853	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$7,750	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,563,261	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$5,576,519	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$553,562	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$584,222	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$516,522	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$52,397	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$47,555	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$785,369	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$587,951	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,188,087	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$336,749	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$634,780	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$142,732	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$2,416	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,045,833	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,087,888	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$278,012	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVIDENDS PAID TO MEMBERS	$2,252,882
LOAN ORIGINATION/SERVICIN	$1,637,179
ATM EXPENSES	$670,649
PROVISION FOR BAD DEBT	$405,674

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$468,101	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$21,426,090	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$5,447,319	BOYAmt
EOY	$5,191,147	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$97,728,739	BOYAmt
EOY	$106,052,636	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$461,099	BOYAmt
EOY	$520,483	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$386,902,431	BOYAmt
EOY	$432,054,491	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,487,593	BOYAmt
EOY	$1,287,784	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$22,301,232	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$12,129,206	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$9,564,481	BOYAmt
EOY	$10,172,026	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
EOY	$1,271,000	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$23,860,918	BOYAmt
EOY	$24,107,599	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$2,192,962	BOYAmt
EOY	$4,414,016	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$5,555,736	BOYAmt
EOY	$5,366,885	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$13,456,846	BOYAmt
EOY	$10,705,107	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$546,658,124	BOYAmt
EOY	$601,143,174	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,903,236	BOYAmt
EOY	$5,779,243	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$38,000,000	BOYAmt
EOY	$36,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$446,828,326	BOYAmt
EOY	$496,771,899	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$486,731,562	BOYAmt
EOY	$538,551,142	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$34,540,000	BOYAmt
EOY	$42,080,000	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$25,386,562	BOYAmt
EOY	$20,512,032	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$59,926,562	BOYAmt
EOY	$62,592,032	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$546,658,124	BOYAmt
EOY	$601,143,174	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$1,995,943	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$483,972	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$1,153,499	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	Yes (true)	AgentTrusteeEtcInd
Beginning Balance	$1,379,662	BeginningBalanceAmt
Additions During Year	$3,952,459	AdditionsDuringYearAmt
Distributions During Year	$3,871,534	DistributionsDuringYearAmt
Ending Balance	$1,460,586	EndingBalanceAmt
Incl Escrow Custodial Acct Liab	false	InclEscrowCustodialAcctLiabInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,616,802	OtherCostOrOtherBasisAmt
Book Value	$2,616,802	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$11,284,520	OtherCostOrOtherBasisAmt
Depreciation	$4,869,648	DepreciationAmt
Book Value	$6,414,872	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,399,910	OtherCostOrOtherBasisAmt
Depreciation	$7,259,558	DepreciationAmt
Book Value	$1,140,352	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$10,172,026	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	SHARES	Desc
Amt	$496,771,899	Amt

Field	Value	IRS element (for citing)
Total Liability	$496,771,899	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$23,422,033	TotalRevEtcAuditedFinclStmtAmt
Revenue Subtotal	$23,422,033	RevenueSubtotalAmt
Total Revenue Per Form990	$23,422,033	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$21,426,090	TotExpnsEtcAuditedFinclStmtAmt
Expenses Subtotal	$21,426,090	ExpensesSubtotalAmt
Total Expenses Per Form990	$21,426,090	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

SCHEDULE D, PAGE 2, PART IV, LINE 1B

THE CREDIT UNION SERVICES MORTGAGE LOANS ON BEHALF OF FREDDIE MAC. FUNDS ARE HELD IN ESCROW TO PAY TAXES AND INSURANCE ON BEHALF OF MORTGAGE LOAN MEMBERS.

SCHEDULE D, PAGE 3, PART X

GAAP REQUIRES MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD BE SUSTAINED UPON EXAMINATION BY A TAXING AUTHORITY. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2021 AND 2020, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS IN INCOME TAX EXPENSE IF INCURRED.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (true)	GrantRecordsMaintainedInd

Recipient Table RecipientTable

Recipient Business Name RecipientBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	NORTHWEST WISCONSIN COMMUNITY SVCS	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1118 TOWER AVE	AddressLine1Txt
City	SUPERIOR	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54880	ZIPCd

Field	Value	IRS element (for citing)
Recipient EIN	391091469	RecipientEIN
IRC Section	501C3	IRCSectionDesc
Cash Grant	$7,750	CashGrantAmt
Purpose Of Grant	FOOD PANTRY	PurposeOfGrantTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (true)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (true)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	false	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (5 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt
TIM FOSTER
PRESIDENT & CEO	$331,829	$10,000	$42,000	$19,879	$27,592	$431,300
SHANE ASBEL
COO/EVP	$221,905	$14,141	$40,000	$8,824	$18,328	$303,198
BEN ALTONEN
CFO/EVP	$239,462	$21,505		$19,500	$18,485	$298,952
KELLI KOEHLER
CMO/SVP	$130,315	$4,935	$30,000	$1,346	$3,392	$169,988
JULIE LUPA
VP MORTGAGE LENDING	$77,499	$54,952		$154	$25,998	$158,603

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
SCHEDULE J, PAGE 1, PART I, LINE 1A	TRAVEL FOR COMPANIONS WAS AVAILABLE FOR EDUCATIONAL EVENTS, LEAGUE CONVENTIONS, CHAPTER EVENTS, AND STRATEGIC PLANNING OFF SITE RETREATS.
SCHEDULE J, PART III	SIX KEY EMPLOYEES PARTICIPATED IN A DEFERRED COMPENSATION PLAN DURING 2021. AS OF 12/31/21 THE BALANCE OF THESE DEFERRED COMPENSATION AGREEMENTS WAS APPROXIMATELY 15,476.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PAGE 6, PART VI, LINE 6	THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
FORM 990, PAGE 6, PART VI, LINE 7A	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE.
FORM 990, PAGE 6, PART VI, LINE 7B	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
FORM 990, PAGE 6, PART VI, LINE 11B	FORM 990 IS REVIEWED BY THE PRESIDENT AND CFO AND PRESENTED TO THE BOARD OF DIRECTORS AT THEIR MONTHLY MEETING IMMEDIATELY FOLLOWING THE SUBMISSION OF FORM 990.
FORM 990, PAGE 6, PART VI, LINE 12C	ANNUAL DISCLOSURES OF FAMILY AND BUSINESS RELATIONSHIPS IS REQUIRED FROM ALL INSIDERS. INTERNAL AND EXTERNAL AUDITS OF THESE RELATIONSHIPS ARE CONDUCTED.
FORM 990, PAGE 6, PART VI, LINE 15A	MANAGEMENT AND STAFF SALARIES, OTHER THAN THE PRESIDENT, ARE ADMINISTERED THROUGH THE USE OF THE COMPANY'S SALARY ADMINISTRATION PROGRAM. THE SYSTEM PROVIDES A STRUCTURED APPROACH TO SALARY GRADING AND COMPARABLE SALARIES FOR ALL POSITIONS ON STAFF. ALL SALARY ADJUSTMENTS ARE MADE ACCORDING TO BOARD APPROVED MATRICES WITH FINAL REVIEW AND APPROVAL BY THE PRESIDENT. THE PRESIDENT'S SALARY AND ANNUAL ADJUSTMENT IS REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS.
FORM 990, PAGE 6, PART VI, LINE 18	THE GOVERNING DOCUMENTS, FINANCIAL STATEMENTS, AND POLICIES OF THE CREDIT UNION ARE AVAILABLE UPON WRITTEN REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D). FINANCIAL INFORMATION IS POSTED IN THE LOBBY EACH MONTH.
FORM 990, PAGE 6, PART VI, LINE 19	THESE DOCUMENTS ARE NOT AVAILABLE TO THE GENERAL PUBLIC.
FORM 990, PART XI, LINE 9	CHANGE IN PENSION 1,153,499 NET CHANGE IN UNRECOGNIZED PENSION (LOSS) GAIN AND TRANSITION OBLIGATION