2016-08-15T09:44:41-05:00 2015-12-31 390912608 HAWKINS ASH CPAS LLP 2360 DUCK CREEK PARKWAY GREEN BAY WI 543033300 990 2015-01-01 390394240 CAPITAL CREDIT UNION CAPI 9204942828 825 MORRIS AVENUE GREEN BAY WI 543044525 KAREN CAREW EXECUTIVE VP/CFO 9204944541 2016-08-12 1 JEFFREY DANEN P01236582 9203369850 2015 2016-12-15 16:53:06Z TOM YOUNG 825 MORRIS AVENUE GREEN BAY WI 543044525 49730584 0 X WWW.CAPITALCU.COM X 1934 WI A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. CAPITAL CREDIT UNION IS A FULL SERVICE FINANCIAL INSTITUTION THAT OFFERS OUR MEMBERS MULTIPLE LOAN PRODUCTS AS WELL AS SHARE, SHARE DRAFT, CD AND IRA PRODUCTS. IN ADDITION, CAPITAL SERVES MEMBERS BY OFFERING AUTOMATED TELLER MACHINES, DIRECT DEPOSIT, CALL 24 ONLINE BANKING, DEBIT AND CREDIT CARDS, GIFT CARDS, SAFE DEPOSIT BOXES, E-STATEMENTS, BILL PAY AND MANY OTHER SERVICES. CAPITAL SERVES OVER 96,000 MEMBERS IN 10 NORTHEAST WISCONSIN COUNTIES: BROWN, CALUMET, DOOR, KEWAUNEE, MANITOWOC, MARINETTE, OCONTO, OUTAGAMIE, SHAWANO, AND WINNEBAGO. 17 17 456 17 45186 -40226 0 0 31285632 48103591 1081881 1187122 11456 31077 32378969 49321790 71767 216890 0 0 12821999 16895982 0 0 0 13620543 26054000 26514309 43166872 5864660 6154918 1092115623 1135574159 955119830 992580775 136995793 142993384 X A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. CAPITAL CREDIT UNION IS A FULL SERVICE FINANCIAL INSTITUTION THAT OFFERS OUR MEMBERS MULTIPLE LOAN PRODUCTS AS WELL AS SHARE, SHARE DRAFT, CD AND IRA PRODUCTS. IN ADDITION, CAPITAL SERVES MEMBERS BY OFFERING AUTOMATED TELLER MACHINES, DIRECT DEPOSIT, CALL 24 ONLINE BANKING, DEBIT AND CREDIT CARDS, GIFT CARDS, SAFE DEPOSIT BOXES, E-STATEMENTS, BILL PAY AND MANY OTHER SERVICES. CAPITAL SERVES OVER 96,000 MEMBERS IN 10 NORTHEAST WISCONSIN COUNTIES: BROWN, CALUMET, DOOR, KEWAUNEE, MANITOWOC, MARINETTE, OCONTO, OUTAGAMIE, SHAWANO, AND WINNEBAGO. 0 0 CAPITAL CREDIT UNION PROVIDES A FULL MENU OF LOAN PRODUCTS TO ITS 96,314 MEMBERS. MORTGAGES ARE IN HIGH DEMAND AS THE ECONOMY CONTINUES TO IMPROVE. WITH A HIGH-RATE CHECKING ACCOUNT AND MONEY MARKET RATES THAT WERE AT THE TOP OF THE MARKET, WE WERE ABLE TO PROVIDE MEMBERS WITH INSURED,LIQUID ALTERNATIVES FOR THEIR DEPOSIT NEEDS. CAPITAL DONATED IN EXCESS OF $216,000.00 TO VARIOUS LOCAL CHARITIES THROUGHOUT THE YEAR, AND CONTINUES TO SUPPORT CHILDREN'S HOSPITAL,MARCH OF DIMES, AND MANY COMMUNITY EVENTS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 83503 0 1 456 1 1 1 0 0 0 0 0 0 0 X 17 17 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 0 0 X KAREN CAREW 9204944541 825 MORRIS AVENUE GREEN BAY WI 54306 STEVEN FRASSETTO VICE CHAIRMAN 3.50 X X 1802 0 16 JEFFREY HERMUS DIRECTOR 1.50 X 1009 0 16 RANDALL SANDERS TREASURER 1.50 X X 3206 0 16 COLLEEN VAN ZEELAND DIRECTOR 1.50 X 2987 0 16 MELANIE HAEN DIRECTOR 1.50 X 2813 0 16 NANCY RIETVELD DIRECTOR 1.50 X 2242 0 16 AARON STEFFENS DIRECTOR 1.50 X 0 0 16 BRUCE WEILAND DIRECTOR 1.50 X 2090 0 16 JOHN CARRIER DIRECTOR 1.50 X 0 0 16 HEATHER KARCZ DIRECTOR 1.50 X 0 0 16 MARGARET LEMEROND DIRECTOR 1.50 X 1056 0 16 KEITH LUCIUS DIRECTOR 1.50 X 0 0 16 THEODORE PAPPAS DIRECTOR 1.50 X 1013 0 16 PAUL PATTERSON CHAIRMAN 3.50 X X 2364 0 16 ALLISON SWANSON DIRECTOR 1.50 X 1160 0 16 BOB TETZLAFF DIRECTOR 1.50 X 0 0 10 MIKE VANDENHOUTEN SECRETARY 1.50 X X 0 0 16 TIMOTHY WYNGAARD VP - MORTGAGE LENDING 40.00 X 149205 0 36693 PATTI BANI VP - HUMAN RESOURCES 40.00 X 98888 0 39011 JOSEPH SLATTERY VP - MARKETING/CORPORATE CULTURE 40.00 X 139724 0 30069 JOY SNYDER VP/CHEIF TECHNOLOGY OFFICER 40.00 X 137968 0 56365 KAREN CAREW CFO/EXECUTIVE VP 40.00 X 192771 0 24179 RANDALL GLASER VP - CONSUMER LENDING 40.00 X 218477 0 29548 WENDY WOHR VP - BRANCH DEVELOPMENT 40.00 X 153504 0 38829 THOMAS YOUNG CEO/PRESIDENT 40.00 X 348391 0 60148 ALAN ZIERLER CEO 40.00 X 1170909 0 36031 2631579 0 351139 8 0 1 0 FISERV 75 REMITTANCE DR STE 1649 CHICAGO IL 606751649 CORE PRECESSOR 1406278 Q2 SOFTWARE INC PO BOX 205970 DALLAS TX 753205970 HOME BANKING 766948 IDSCOM 747 E WHITCOMB AVE MADISON HEIGHTS MI 48071 STATEMENT PROCESSING 635070 TECHNOLOGY ARCHITECTS INC 1300 W MAIN AVE DEPERE WI 541159552 IT CONSULTING 586179 PULSE 1301 MCKINNEY STE 2500 HOUSTON TX 77010 ATM/DEBIT CARD PROCESSOR 572204 20 INTEREST ON LOANS 522100 37539968 37539968 FEE INCOME 522100 7822512 7822512 INSURANCE INCOME 524298 1214929 1214929 COMISSION INCOME 522100 232787 232787 NON-MEMBER ATM 522100 45186 45186 1248209 1248209 48103591 1345916 1345916 31077 0 31077 31077 31077 250000 86986 321808 -86986 -71808 -158794 -158794 49321790 48058405 45186 1218199 216890 2631579 12673611 571133 1019659 99231 71262 57754 601398 1079518 3280003 1458166 312202 304366 1974690 DIVIDENDS ON SHARES 4824883 PROVISION FOR LOAN LOSS 4131475 PROCESSING 3750179 LOAN SERVICING 2465436 1643437 43166872 107271754 52819648 54967005 61870205 0 816884218 892679240 749268 676267 38963630 17010438 21669241 21953192 38103863 56875739 5019784 4193023 13807158 11765380 33643332 32741465 1092115623 1135574159 11774399 8786056 15748199 10529029 927597232 973265690 955119830 992580775 X 0 0 11350466 11350466 125645327 131642918 136995793 142993384 1092115623 1135574159 6154918 -157327 0 X X 0 1 X 1 0 8158531 8158531 18418426 8750180 9668246 7237290 5833778 1403512 5149383 2426480 2722903 21953192 SHARES 973265690 973265690 X 49321790 0 49321790 0 49321790 43166872 0 43166872 0 43166872 PART X, LINE 2: IN ACCORDANCE WITH U.S. GAAP, THE CREDIT UNION HAS ADOPTED THE PROVISIONS OF "ACCOUNTING FOR UNCERTAINT IN INCOME TAXES," ON JANUARY 1, 2009. THE IMPLEMENTATION OF THIS STANDARD HAD NO IMPACT ON THE FINANCIAL STATEMENTS. AS OF THE DATE OF ADOPTION, AND AS OF YEARS ENDED DECEMBER 31, 2015, 2014, AND 2013, THE UNRECOGNIZED TAX BENEFIT ACCRUAL WAS ZERO. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS INCOME TAX EXPENSE IF INCURRED. THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL TAX EXAMINATION BY TAX AUTHORITIES FOR YEARS BEFORE 2012 AND STATE EXAMINATIONS FOR YEARS BEFORE 2011. 0 BAY AREA HUMANE SOCIETY 1830 RADISSON ST GREEN BAY WI 54302 390988577 501(C)(3) 10000 PET WALK SPONSOR MARCH OF DIMES GREEN BAY DIVISION 677 BAETEN RD STE 100 GREEN BAY WI 54304 131846366 501(C)(3) 52050 GENERAL SUPPORT TOURETTE SYNDROME ASSOCIATION 1795 SANDY SPRINGS RD DEPERE WI 54115 237191992 501(C)(3) 7358 GENERAL SUPPORT MY BROTHER'S KEEPER INC 1039 W MASON ST GREEN BAY WI 54303 200319330 501(C)(3) 13200 GENERAL SUPPORT NEW ZOOLOGICAL SOCIETY PO BOX 12647 GREEN BAY WI 543072647 391516018 501(C)(3) 10000 FEAST WITH THE BEAST SPONSOR REBUILDING TOGETHER FOX VALLEY 605 E HANCOCK ST APPLETON WI 54911 392013200 501(C)(3) 7500 GENERAL SUPPORT WISCONSIN CREDIT UNION LEAGUE N25 W23131 PAUL RD STE 500 PEWAUKEE WI 53072 930807478 501(C)(6) 20600 GENERAL SUPPORT 6 X X 1 1 X X X X X 1 1 0 TIMOTHY WYNGAARD VP - MORTGAGE LENDING 128452 0 10851 0 9902 0 8567 0 28126 0 185898 0 0 0 JOSEPH SLATTERY VP - MARKETING/CORPORATE CULTURE 119224 0 10211 0 10289 0 5364 0 24705 0 169793 0 0 0 JOY SNYDER VP/CHEIF TECHNOLOGY OFFICER 117433 0 10851 0 9684 0 24000 0 32365 0 194333 0 0 0 KAREN CAREW CFO/EXECUTIVE VP 168862 0 14051 0 9858 0 10009 0 14170 0 216950 0 0 0 RANDALL GLASER VP - CONSUMER LENDING 135267 0 21360 0 61850 0 7539 0 22009 0 248025 0 0 0 WENDY WOHR VP - BRANCH DEVELOPMENT 135786 0 11571 0 6147 0 8623 0 30206 0 192333 0 0 0 THOMAS YOUNG CEO/PRESIDENT 337232 0 51 0 11108 0 24000 0 36148 0 408539 0 0 0 ALAN ZIERLER CEO 378677 0 1523 0 790709 0 18000 0 18031 0 1206940 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 MEMBERS ARE INDIVIDUALS LIVING OR WORKING IN THE COUNTIES OF BROWN, CALUMET, OUTAGAMIE, DOOR, KEWAUNEE, MANITOWOC, MARINETTE, OCONTO, OUTAGAMIE, SHAWANO, AND WINNEBAGO THAT HAVE DEPOSITS WITH THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A BOARD OF DIRECTORS IS ELECTED BY MEMBERS. FORM 990, PART VI, SECTION B, LINE 11 REVIEWED BY THE PRESIDENT AND EXECUTIVE VP/CFO PRIOR TO SUBMISSION WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY THAT COVERS ALL EMPLOYEES AND BOARD OF DIRECTORS. THE DETERMINATION AND REVIEW OF PERCIEVED CONFLICT IS DONE AT THE MANAGEMENT TEAM LEVEL. UPON DETERMINATION OF A CONFLICT, THE PERSON INVOLVED IN SAID CONFLICT CANNOT PARTICIPATE IN DELIBERATIONS OR DECISIONS. STAFF AND OFFICERS ARE REQUIRED TO REVIEW THE POLICY ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15A THE PROCESS OF DETERMINING PROPER COMPENSATION IS COMPLETED DURING THE BOARD OF DIRECTORS MEETINGS. FORM 990, PART VI, SECTION C, LINE 19 POLICIES ARE AVAILABLE UPON REQUEST, SUMMARIZED FINANCIALS ARE POSTED IN THE BRANCHES. FORM 990, PART XII, LINE 2C: NO CHANGES FROM PRIOR YEAR. CREATIVE RESOURCE GROUP 825 MORRIS AVE GREEN BAY WI 54304 391791605 TITLE SERVICES WI CAPITAL CREDIT UNION C 6 1.00000 1 CAPITAL CREDIT UNION SERVICE CORP 825 MORRIS AVE GREEN BAY WI 54304 391852107 INSURANCE COMMISSIONS WI CAPITAL CREDIT UNION C 10589 37523 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0