2012-11-15T08:30:28-06:00 2011-12-31 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2011-01-01 390540608 PIONEER CREDIT UNION PION 9204942828 825 MORRIS AVENUE GREEN BAY WI 543042526 THOMAS YOUNG 9204942828 2012-11-14 1 MARY A COATES CPA P00134220 7158453111 2012-11-13 2011 2016-02-24 21:20:13Z THOMAS YOUNG 825 MORRIS AVENUE GREEN BAY WI 543042526 30929109 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 345437 -71386 0 0 28747908 29213311 41092 494110 0 33582 28789000 29741003 0 0 0 0 7743598 8103129 0 0 0 18790998 20247112 26534596 28350241 2254404 1390762 459908397 495367524 418738656 452241802 41169741 43125722 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 1 PIONEER CREDIT UNION PROVIDES A FULL MENU OF LOAN PRODUCTS TO IT'S MEMBERS RESULTING IN $222 MILLION IN ORIGINATIONS IN 2011. FIXED RATE MORTGAGES, AS WELL AS 10-YEAR BALLOON MORTGAGES, WERE VERY POPULAR FOR MEMBERS LOOKING TO RESTRUCTURE THEIR DEBT AND TO BRING THEIR BUSINESS BACK TO A SAFE, LOCAL FINANCIAL INSTITUTION. 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 CREDIT UNION IS A MAJOR CONTRIBUTOR TO FREEDOM HOUSE, A SHELTER WHOSE PURPOSE IS TO HELP HOMELESS FAMILIES BECOME SUCCESSFUL IN ALL AREAS OF THEIR LIVES. CREDIT UNION EMPLOYEES VOLUNTEER AT FREEDOM HOUSE ON COMPANY TIME. PIONEER DONATED IN EXCESS OF $75,000 TO VARIOUS LOCAL CHARITIES THROUGHOUT THE YEAR, AND CONTINUES TO SUPPORT CHILDRENS HOSPITAL. THE CREDIT UNION ALSO HAS AN ACTIVE PROGRAM IN TEACHING "AT RISK" CHILDREN AT AN INNER-CITY SCHOOL, ON COMPANY TIME. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 16819 0 208 1 1 1 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 JAMES ZIMMER 3.40 X X 0 0 0 JAY KRAMER 3.40 X X 0 0 13 THEODORE PAPPAS 3.40 X X 0 0 13 MARGARET LEMEROND 3.40 X X 0 0 13 ERWIN DEPAS 3.40 X 0 0 7 ROBERT TETZLAFF 3.40 X 0 0 9 MIKE VANDENHOUTEN 3.40 X 0 0 13 JOHN CARRIER 3.40 X 0 0 13 HEATHER KARCZ 3.40 X 0 0 13 KAREN CAREW 40.00 X 135285 0 9175 THOMAS YOUNG 40.00 X 237998 0 33451 WENDY WOHR 40.00 X 122809 0 28483 JOY SNYDER 40.00 X 118289 0 26157 RANDALL GLASER 40.00 X 127044 0 21353 JOSEPH SLATTERY 40.00 X 115825 0 24752 857250 0 143465 6 0 1 0 BUSINESS LENDING GROUP 2350 N CASALOMA DR STE 100 APPLETON WI 549138284 COMMERCIAL LOAN ORIGINATION & SERVICING 265205 FISERV 75 REMITTANCE DR STE 6974 CHICAGO IL 606756974 COMPUTER MAINTENANCE 227463 AT&T PO BOX 5080 CAROL STREAM IL 60197 VOICE & DATA LINES 225048 JOHN R PETITJEAN PO BOX 1626 GREEN BAY WI 54305 LEGAL SERVICES 190017 TECHNOLOGY ARCHITECTS INC 1300 W MAIN AVE DE PERE WI 541159552 NETWORK, DATA, PHONE, CONSULTING & MAINT 180655 7 INTEREST ON LOANS 522100 21555925 21555925 ACCT MAINT FEES 522100 3029297 3029297 PRODUCT SALES 522100 2892574 2859416 33158 LENDING FEES 522100 923320 923320 INSURANCE INCOME 524298 812195 812195 29213311 682115 312279 369836 33582 0 33582 33582 33582 1000101 135763 1052343 -135763 -52242 -188005 -188005 29741003 29025730 345437 369836 1000715 4983061 217154 1426484 475715 792 25628 18978 204750 687219 1860591 2357025 763167 82279 645472 927422 108337 DIVIDENDS ON MEMBER SHA 4818469 PROVISION FOR LOAN LOSS 4156603 LOAN SERVICING EXPENSE 1540298 NCUSIF EXPENSE 1241551 808531 28350241 4454037 4762033 34728081 36501099 1075358 1080254 383323030 416233854 751166 914727 22194587 8195290 14551910 13999297 11066221 8921932 1517848 2528315 8440746 10426013 459908397 495367524 5118108 8915983 137984 47907 20500000 18500000 392982564 424777912 418738656 452241802 X 0 0 0 0 41169741 43125722 41169741 43125722 459908397 495367524 X 1390762 565219 X X 0 0 0 6166958 6166958 10737414 3708670 7028744 5242890 4486620 756270 47325 47325 13999297 MEMBER SHARES 424777912 424777912 X X 1 1 X X X X X 0 0 0 THOMAS YOUNG 212746 0 17779 0 7473 0 9439 0 24012 0 271449 0 0 0 WENDY WOHR 108174 0 9091 0 5544 0 4866 0 23617 0 151292 0 0 0 CHANGES IN PROGRAM SERVICES FORM 990, PART III, LINE 3 THE ORGANIZATION MADE CHANGES IN LENDING IN ORDER TO SERVE A GREATER NUMBER OF MEMBERS IN NEED, GOING BEYOND THEIR CREDIT SCORE AND LOOKING AT THEIR PERSONAL SITUATION AND RELATIONSHIP WITH US. 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 REVIEWED BY THE PRESIDENT AND CFO. 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. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: NET UNREALIZED GAINS ON INVESTMENTS: 565,219. FORM 990, PART XII, LINE 2C THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. PIONEER TITLE LLC 825 MORRIS AVE GREEN BAY WI 54304 391921064 TITLE SERVICES WI CREATIVE RESOURCE UNRELATED 51425 3 0 1 CREATIVE RESOURCE GROUP 825 MORRIS AVE GREEN BAY WI 54304 391791605 TITLE SERVICES WI PIONEER CREDIT UNION C 14269 70662 1.00000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1