2025-11-17T10:54:55-06:00 2024-12-31 390912608 HAWKINS ASH CPAS LLP 520 N BROADWAY SUITE 250 GREEN BAY WI 54303 990 2024-01-01 390744917 PROSPERA CREDIT UNION PROS 9208824800 4830 N BALLARD RD APPLETON WI 54913 MICHELLE MCCLELLAND CFO 9208824800 2025-11-14 1 1 JEFFREY DANEN CPA P01236582 9203369850 2025-11-14 2024 2025-03-06 01:10:19Z SHEILA SCHINKE 4830 N BALLARD RD APPLETON WI 54913 23802447 0 X MYPROSPERA.COM X 1934 WI A MEMBER-OWNED, NOT-FOR-PROFIT, COOPERATIVE FINANCIAL INSTITUTION. 9 9 111 9 18166 0 0 0 17999626 20040330 3697187 3764167 13219 -2050 21710032 23802447 0 0 0 0 8560280 8215891 0 0 0 13093484 15034421 21653764 23250312 56268 552135 376683794 364845312 346710592 333831615 29973202 31013697 X SEE SCHEDULE O 0 0 THE ORGANIZATION OPERATES AS A FINANCIAL COOPERATIVE SERVING AND OWNED BY ITS 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 0 0 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 6195 0 1 111 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 0 0 1 1 1 1 1 1 1 0 X SHEILA SCHINKE 9208824803 4830 N BALLARD RD APPLETON WI 54913 SCOTT BARR BOARD MEMBER 1.00 X 0 0 0 TOM CLIFFORD CHAIR 2.00 X X 0 0 0 LINDSEY FENLON BOARD MEMBER 1.00 X 0 0 0 JILL RONK TREASURER 2.00 X X 0 0 0 JILL UITENBROEK VICE CHAIR 2.00 X X 0 0 0 BEAU ASHTON SECRETARY 2.00 X X 0 0 0 MELISSA BUBLITZ BOARD MEMBER 1.00 X 0 0 0 BRIAN RHODES BOARD MEMBER 1.00 X 0 0 0 TIM MCADOW BOARD MEMBER 1.00 X 0 0 0 SHEILA SCHINKE CEO 40.00 X 501977 0 107239 MICHELLE MCCLELLAND CFO 40.00 X 257954 0 82625 KRISTINA FLORES CXO 40.00 X 171622 0 27760 KARI CHRISTOPH CHRO 40.00 X 208605 0 23667 TODD THIEL CDTO 40.00 X 241532 0 36961 JEROME RAMUS VP COMMERCIAL LENDING 40.00 X 130756 0 3294 SHONNA PRICKETTE VP DIGITAL SERVICES 40.00 X 117611 0 23947 KYLE COURTNEY FINANCIAL ADVISOR 40.00 X 118282 0 16035 MATT COOPER DIRECTOR OF MEMBER SOLUTIONS 40.00 X 112137 0 2317 MARK DORSETT DIRECTOR OF IT 40.00 X 107055 0 22778 1967531 0 346623 11 1 1 0 0 INTEREST ON LOANS 522100 15749386 15749386 INTERCHANGE INCOME 522100 1751387 1751387 FEE INCOME 522100 1318710 1306635 12075 COMMISSIONS 522100 949186 941721 7465 OTHER OPERATING REVENUE 522100 271661 271661 20040330 3763167 20620 3742547 -2050 0 -2050 -2050 -676 -1374 1000 0 1000 1000 1000 23802447 20041734 18166 3742547 1381690 4905548 398941 1045548 484164 166173 36478 80246 659623 817636 1063330 561334 15483 500 3369040 594681 52026 DIVIDEND EXPENSES 4190792 SERVICE CHARGES 1270349 LOAN SERVICING EXPENSE 1000300 PROVISION FOR LOAN LOSS 885393 271037 23250312 5385335 5237118 16022997 18663076 230866 2655559 1201640 1612257 315280847 303775244 275683 212544 14407022 5435747 9245561 8971275 11183757 10998287 5957055 119805 5757713 5418084 6142340 7182063 376683794 364845312 7579940 4967862 0 10986 21500000 15000000 317630652 313852767 346710592 333831615 X 0 0 0 0 29973202 31013697 29973202 31013697 376683794 364845312 552135 488360 0 X X 0 0 0 0 1 X 2422364 2422364 8259783 2853521 5406262 2821298 2164138 657160 903577 418088 485489 8971275 SHARES 313852767 313852767 PART IV, LINE 2B: WHEN NECESSARY, PROPERTY TAX ESCROW ACCOUNTS ARE HELD ON BEHALF OF MEMBERS. X 1 1 X X X 0 1 0 SHEILA SCHINKE CEO 462975 0 39002 0 0 0 64222 0 43017 0 609216 0 0 0 MICHELLE MCCLELLAND CFO 241305 0 16649 0 0 0 39961 0 42664 0 340579 0 0 0 TODD THIEL CDTO 232641 0 8891 0 0 0 34834 0 2127 0 278493 0 0 0 KARI CHRISTOPH CHRO 201539 0 7066 0 0 0 13113 0 10554 0 232272 0 0 0 KRISTINA FLORES CXO 162147 0 9475 0 0 0 27540 0 220 0 199382 0 0 0 PART I, LINE 4B $45,000 WAS CONTRIBUTED TO A DEFERRED COMPENSATION 457(F) PLAN FOR SHEILA SCHINKE, CEO. THE CREDIT UNION PAID $225,000 TO SHEILA FROM THE 457(F) PLAN DURING THE YEAR ENDED DECEMBER 31, 2024. $99,574 WAS CONTRIBUTED TO A DEFERRED COMPENSATION 457(F) PLANS FOR MICHELLE MCCLELLAND (CFO), KRISTI FLORES (CXO), KARI CHRISTOPH (CHRO), AND TODD THIEL (CDTO). THE CREDIT UNION PAID OUT $211,731 FROM 457(F) PLANS TO KARI AND MICHELLE DURING THE YEAR ENDED DECEMBER 31, 2024. AS OF DECEMBER 31, 2024, THE CREDIT UNION HAS RECORDED AN ACCRUED LIABILITY TOTALING $172,531 RELATED TO THE 457(F) DEFERRED COMPENSATION PLANS. IN ADDITION, THE CREDIT UNION HAS ESTABLISHED A DEFERRED COMPENSATION 457(B) PLAN FOR CERTAIN KEY EMPLOYEES THAT IS EMPLOYEE FUNDED. THIS PLAN HAD AN ACCRUED BALANCE OF $403,692 AS OF DECEMBER 31, 2024. SHEILA SCHINKE CEO SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT X 486664 583542 0 1 1 SHEILA SCHINKE CEO SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT X 1161000 1028715 0 1 1 1612257 FORM 990, PART III, LINE 1 PROSPERA CREDIT UNION IS COMMITTED TO HELPING OUR MEMBERS PROSPER FINANCIALLY TO ENHANCE THEIR QUALITY OF LIFE. PROSPERA OPERATES AS A CREDIT UNION PROMOTING THRIFT, PROVIDING CREDIT AT A FAIR AND REASONABLE COST AND OFFERING VARIOUS OTHER SERVICES TO BENEFIT ITS MEMBERS. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS MADE UP OF INDIVIDUAL MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A CREDIT UNION ONLY HAS ONE CLASS OF MEMBERS. FORM 990, PART VI, SECTION B, LINE 11B THE CFO REVIEWS. ONCE THE FINAL DRAFT IS PREPARED, IT IS SHARED WITH THE CEO & DIRECTORS. FORM 990, PART VI, SECTION B, LINE 12C WRITTEN RECORDS ARE KEPT AND THE BOARD REVIEWS AS SITUATIONS ARISE. FORM 990, PART VI, SECTION B, LINE 15 EACH YEAR THE CEO'S PERFORMANCE IS REVIEWED BY THE GOVERNANCE COMMITTEE. THE COMMITTEE HAS A COMPENSATION POLICY THAT WAS APPROVED BY THE BOARD AND THEY USE THIS POLICY IN DETERMINING COMPENSATION. INDEPENDENT THIRD PARTY INFORMATION THAT THE COMMITTEE MAY USE IS INDUSTRY GATHERED DATA, THROUGH A THIRD PARTY, COMPEASE, THE REVIEW PROCESS PLUS THIS INDEPENDENT INFORMATION IS THEN FORMULATED INTO A RECOMMENDATION TO THE BOARD. THE BOARD THEN HAS THE FINAL APPROVAL FOR CHANGES TO COMPENSATION FOR THE CEO. THE CEO CONDUCTS ANNUAL PERFORMANCE REVIEWS ON THE SENIOR MANAGEMENT TEAM AND THE SAME COMPENSATION PHILOSOPHY AND THIRD PARTY SOURCE IS USED TO DETERMINE COMPENSATION. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE HUNG IN THE LOBBY PART XII, LINE 2C EXPLANATION NO, THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. CREDIT UNION FINANCIAL RESOURCES CORPORATION 4830 N BALLARD RD APPLETON WI 54913 391838743 FINANCIAL SERVICES WI C 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0