2015-06-03T10:06:52-05:00 2014-06-30 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2014-01-01 390540608 PIONEER CREDIT UNION PION 9204942828 825 MORRIS AVENUE / PO BOX 2526 GREEN BAY WI 543062526 THOMAS YOUNG PRESIDENT 9204942828 2015-06-01 1 MARY A COATES CPA P00134220 7158453111 2015-06-01 2014 2016-02-25 16:41:14Z X THOMAS YOUNG 825 MORRIS AVENUE / PO BOX 2526 GREEN BAY WI 543062526 16396295 0 2157 X WWW.PIONEERCU.ORG X 1927 WI A COOPERATIVE, NONPROFIT CORPORATION, INCORPORATED 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. 9 9 208 9 14044 -11389 0 0 31779797 15880259 800897 315213 22512 8256 32603206 16203728 370677 44304 0 0 9463256 4519752 0 0 0 16533268 8411805 26367201 12975861 6236005 3227867 609630814 0 554323445 0 55307369 0 X PIONEER CREDIT UNION IS COMMITTED TO THE DELIVERY OF TOTAL MEMBER UNDERSTANDING AND SATISFACTION IN EVERYTHING WE DO. THIS IS ACCOMPLISHED THROUGH A BALANCE OF SOUND AND RESPONSIBLE OPERATIONS, FOCUS ON EMPLOYEE SATISFACTION AND DEVELOPMENT, AND ACTIVELY STRIVING TO SERVE THE NEEDS OF OUR MEMBERSHIP. 0 0 PIONEER CREDIT UNION PROVIDES A FULL MENU OF LOAN PRODUCTS TO ITS 55,580 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. PIONEER DONATED IN EXCESS OF $44,000 TO VARIOUS LOCAL CHARITIES THROUGHOUT THE YEAR, AND CONTINUES TO SUPPORT CHILDRENS HOSPITAL, MARCH OF DIMES AND MANY COMMUNITY EVENTS. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 1 1 0 0 1 0 0 208 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 0 0 X KAREN CAREW 9204942828 825 MORRIS AVENUE GREEN BAY WI 543062526 JOHN CARRIER DIRECTOR 3.50 X 0 0 8 HEATHER KARCZ DIRECTOR 3.50 X 0 0 8 KEITH LUCIUS DIRECTOR 3.50 X 0 0 8 PAUL PATTERSON DIRECTOR 3.50 X 0 0 8 ALLISON SWANSON DIRECTOR 3.50 X 0 0 6 ROBERT TETZLAFF DIRECTOR 3.50 X 0 0 5 MIKE VANDENHOUTEN BOARD CHAIRMAN 3.50 X X 0 0 8 PEGGY LEMEROND TREASURER 3.50 X X 0 0 8 THEODORE PAPPAS SECRETARY 3.50 X X 0 0 8 THOMAS YOUNG PRESIDENT/CEO 40.00 X 146421 0 17637 KAREN CAREW VP-FINANCE/CFO 40.00 X 76232 0 3950 222653 0 21654 1 0 1 0 DIGITAL INSIGHT PO BOX 515306 LOS ANGELES CA 900516606 HOME BANKING, BILL PAYER 514666 PULSE 1301 MCKINNEY ST STE 2500 HOUSTON TX 77010 TRANSACTION PROCESSING, TERMINAL DRIVING 383541 FISERV 75 REMITTANCE DR STE 6974 CHICAGO IL 606756974 COMPUTER MAINTENANCE 379368 LENDKEY 104 W 27TH ST NEW YORK NY 10001 CLOUD BASED TECHNOLOGY 341204 BUSINESS LENDING GROUP 2350 N CASALOMA DR STE 100 APPLETON WI 54913 BUSINESS FINANCIAL SERVICES 263113 12 INTEREST ON LOANS 522100 11609682 11609682 PRODUCT SALES 522100 1827119 1813075 14044 ACCT MAINT FEES 522100 1365780 1365780 LENDING FEES 522100 813906 813906 INSURANCE INCOME 524298 164223 164223 99549 99549 15880259 378180 378180 8256 0 8256 8256 8256 129600 16286 176281 -16286 -46681 -62967 -62967 16203728 15866215 14044 323469 44304 244307 3120109 120948 739458 294930 946 51727 21148 92679 374472 843237 1961827 422327 42830 33659 182879 380100 82153 DIVIDENDS ON MEMBER SHA 1728192 LOAN SERVICING EXPENSE 822526 PROVISION FOR LOAN LOSS 810685 REO EXPENSE 337036 223382 12975861 5662766 0 43053405 0 0 1240018 0 0 0 496426746 0 0 1546412 0 0 0 15867305 0 26291839 0 4135175 0 0 0 15407148 0 609630814 0 24907014 0 2793 0 40000000 0 489413638 0 554323445 0 X 0 0 0 0 55307369 0 55307369 0 609630814 0 X 3227867 518696 -59053932 X 0 0 0 1 NEW ZOOLOGICAL SOCIETY INC PO BOX 12647 GREEN BAY WI 54307 391516018 501(C)(3) 10000 GENERAL SUPPORT MARCH OF DIMES 677 BAETEN ROAD STE 100 GREEN BAY WI 54304 131846366 501(C)(3) 10000 GENERAL SUPPORT 2 0 X X 1 1 X X X X X 0 0 0 THOMAS YOUNG PRESIDENT/CEO 146421 0 0 0 0 0 5769 0 11868 0 164058 0 0 0 EFFECTIVE JULY 1, 2014, ALL ASSETS FROM PIONEER CREDIT UNION WERE TRANSFERED TO CAPITAL CREDIT UNION. 2014-07-01 603192607 NET BOOK VALUE 390394240 CAPITAL CREDIT UNION 738 FORD STREET KIMBERLY WI 54136 501(C)(14) 1 1 0 0 1 1 1 0 0 PART I, LINE 2E: PERSON(S) INVOLVED: JOHN CARRIER - DIRECTORHEATHER KARCZ - DIRECTORKEITH LUCIUS - DIRECTORPAUL PATTERSON - DIRECTORROBERT TETZLAFF - DIRECTORMIKE VANDERHOUTEN - DIRECTORPEGGY LEMEROND - DIRECTORTHEODORE PAPPAS - DIRECTORTHOMAS YOUNG - PRESIDENT/CEOKAREN CAREW - VP-FINANCE/CFO PART I, LINE 2E: EXPLANATION OF INVOLVEMENT: OF THOSE LISTED ABOVE, THOMAS YOUNG AND KAREN CAREW BECAME EMPLOYEES OF CAPITAL CREDIT UNION. THE OTHER DIRECTORS LISTED BECAME DIRECTORS OF CAPITAL CREDIT UNION. FORM 990 - WAIVER OF PENALTY ON 07/01/2014, THE ORGANIZATION LIQUIDATED ALL OF ITS ASSETS TO CAPITAL CREDIT UNION. AS DESCRIBED IN SCHEDULE N, THIS LEFT PIONEER CREDIT UNION WITH NO ASSETS AND ALL OPERATIONS WERE DISCONTINUED. THE ORGANIZATION BELIEVED THAT THEIR FILING DEADLINE WOULD BE MAY 15TH, 2015 AS IF THEY HAD A FULL YEAR. HOWEVER, DUE TO THE DISCONTINUATION OF OPERATIONS, THEY TECHNICALLY HAD A SHORT YEAR WITH A DIFFERENT YEAR END DATE THEN THEY HAVE HAD IN ALL PRIOR YEARS. THEIR FILING DEADLINE WAS SOONER AS A RESULT AND THEY WERE UNABLE TO SEEK AN AUTOMATIC EXTENSION AS OF 5/15/2015. UPON DISCOVERING THAT DUE TO THE MERGER THEY WOULD HAVE A SHORT YEAR AND THEREFORE A FILING DEADLINE MUCH SOONER, THE ORGANIZATION TOOK IMMEDIATE ACTION TO HAVE THEIR RETURN PREPARED AND FILED. THE ORGANIZATION HAS A HISTORY OF FILING ON TIME AND REQUESTS THIS BE TAKEN INTO ACCOUNT WHEN ACCEPTING THE FORM 990 BY THE INTERNAL REVENUE SERVICE. THIS STATEMENT WILL SERVE AS A REQUEST FOR ABATEMENT OF ANY LATE FILING FEES AND PENALTIES. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS WHO DEPOSIT MONEY AS A REGULAR DEPOSIT OF A FINANCIAL INSTITUTION, THEY ALSO OWN A PART OF THE INSTITUTION. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS WHO DEPOSIT MONEY IN THE CREDIT UNION VOTE ON THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11 THE 990 IS REVIEWED BY THE PRESIDENT AND CFO PRIOR TO SUBMISSION WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C STAFF AND OFFICERS ARE REQUIRED TO REVIEW POLICY ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15A VP-HUMAN RESOURCES PROVIDES THE COMPENSATION COMMITTEE, COMPOSED OF THREE DIRECTORS, WITH STATE AND NATIONAL COMPENSATION SURVEYS AND DISCUSSES PERTINENT ISSUES RELATED TO CEO COMPENSATION AND BENEFITS. COMMITTEE REVIEWS INFORMATION WITH FULL BOARD AND DETERMINES COURSE OF ACTION BASED ON CURRENT MARKET. FORM 990, PART VI, SECTION C, LINE 19 POLICIES ARE AVAILABLE UPON REQUEST, SUMMARIZED FINANCIALS ARE POSTED IN BRANCHES. FORM 990, PART XI, LINE 9: TRANSFER OF ASSETS TO CAPITAL CREDIT UNION -59,053,932. PIONEER TITLE LLC PO BOX 2526 GREEN BAY WI 54306 391921064 TITLE SERVICES WI CREATIVE RESOURCE UNRELATED 14040 0 1 0.50000 CREATIVE RESOURCE GROUP PO BOX 2526 GREEN BAY WI 54306 391791605 INSURANCE WI PIONEER CREDIT UNION C 622 26337 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1