2026-07-28T10:58:20-05:00 2025-12-31 393647910 WIPFLI ADVISORY LLC 1502 LONDON ROAD SUITE 220 DULUTH MN 55812 990 2025-01-01 390851648 FORT COMMUNITY CREDIT UNION FORT 9205637305 PO BOX 160 FORT ATKINSON WI 53538 SUSAN JOHNSON CHIEF EXECUTIVE OFFICER 9205637305 2026-07-28 1 MICHAEL J PETERSON CPA P01833529 2187224705 2026-07-28 2025 2025-03-06 01:10:19Z SUSAN JOHNSON PO BOX 160 FORT ATKINSON WI 53538 30050874 0 X WWW.FORTCOMMUNITY.COM X 1940 WI THE PURPOSES OF THIS CREDIT UNION ARE: TO ENCOURAGE THRIFT AMONG ITS MEMBERS; TO CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST; TO PROVIDE AN OPPORTUNITY FOR EACH OF ITS MEMBERS TO IMPROVE THE MEMBER'S RESPECTIVE ECONOMIC AND SOCIAL CONDITIONS; AND TO PERFORM THE FUNCTIONS AND EXERCISE THE POWERS DESIGNATED FOR CREDIT UNIONS UNDER APPLICABLE LAW. 7 7 85 7 69722 0 10000 0 17897054 19345787 1880906 3852029 63969 48001 19851929 23245817 18403 155037 4980420 5743421 5565402 6171784 0 0 0 7624568 8221309 18188793 20291551 1663136 2954266 384150598 405853896 339931320 355786107 44219278 50067789 X TO HELP EVERY MEMBER BE IN A BETTER FINANCIAL POSITION THAN WHEN WE MET THEM. 0 0 WE FUNDED 3,337 LOANS DURING 2025. AS OF 12/31/2025 WE HAD $142,494,731 MORTGAGES/HOME EQUITY LINES, $72,576,712 CONSUMER LOANS, $23,079,991 MEMBER BUSINESS LOANS, AND $5,810,215 CREDIT CARD ACCOUNTS WITH OUR MEMBERS. WE HAVE DEPOSIT, TRANSACTION, AND INVESTMENT ACCOUNTS WITH 21,687 MEMBERS AT 12/31/2025. DURING 2025, OUR DEPOSITS INCREASED BY $13,321,068. FCCU IS DEDICATED TO GIVING BACK TO THE COMMUNITIES WE SERVE THROUGH SPONSORSHIPS, DONATIONS, EDUCATION, AND VOLUNTEERING.IN 2025, FCCU GAVE $100,000 IN CAPITAL CAMPAIGN DONATIONS, $45,037 IN SPONSORSHIPS, AND $10,000 IN LOCAL SCHOLARSHIPS TO HELP MEMBERS ACHIEVE THEIR EDUCATIONAL ASPIRATIONS. FCCU TEAM MEMBERS VOLUNTEERED 1,137 HOURS IN 2025 SUPPORTING 148 LOCAL ORGANIZATIONS. FCCU OFFERS A VARIETY OF FREE COMMUNITY, SCHOOL, AND WORKPLACE RESOURCES AND PRESENTATIONS ABOUT PERSONAL FINANCE, CYBERSECURITY, FRAUD, AND MORE. IN 2025, 735 STUDENTS WERE REACHED WITH 66 HOURS SPENT BY FCCU TEAM MEMBERS IN CLASSROOMS WITHIN THE COMMUNITY. FCCU ALSO PROVIDES BANZAI FINANCIAL EDUCATION TO LOCAL SCHOOL AT NO COST TO THE DISTRICT, DISTRIBUTING 460 FINANCIAL WORKBOOKS TO LOCAL SCHOOL IN 2025. SINCE BEGINNING THE PARTNERSHIP WITH BANZAI TEN YEARS AGO, FCCU HAS PAID FOR 9,940 STUDENTS TO USE THE BANZAI CURRICULUM.FCCU CONTINUED TO PARTNER WITH THE WISCONSIN CREDIT UNION LEAGUE TO HOST SEVERAL BITE OF REALITY EVENTS AT LOCAL SCHOOLS. BITE OF REALITY IS A HANDS-ON APP-BASED SIMULATION THAT APPEALS TO TEENS WHILE GIVING THEM A TASTE OF REAL-WORLD FINANCIAL REALITIES. 2025 WAS THE FIRST YEAR THE EVENT WAS HOSTED AT BOTH THE FORT ATKINSON MIDDLE SCHOOL AND HIGH SCHOOL. FCCU ALSO HOSTED THREE COMMON CENTS CAMP WORKSHOPS FOR CHILDREN IN GRADES 2-12, ENSURING THAT EVEN THE YOUNGEST LEARNERS HAVE ACCESS TO FINANCIAL EDUCATION BASICS. FCCU SEEKS OUT PROGRAMS AND OPPORTUNITIES TO PROVIDE DIRECT FINANCIAL BENEFIT TO OUR MEMBERS. IN 2025, FCCU DISTRIBUTED $450,000 TO MEMBERS THROUGH MEMBER LOYALTY CASH, THE PATRONAGE DIVIDED PROGRAM. FCCU ALSO PARTICIPATES IN HOME BUYER GRANT PROGRAMS THAT CAN PROVIDE MEMBERS WITH FUNDS TOWARDS THEIR DOWN PAYMENT. IN 2025, FCCU MEMBERS RECEIVED $50,000 IN DOWN PAYMENT ASSISTANCE.FCCU DEMONSTRATES THE CREDIT UNION DIFFERENCE AS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE. 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 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 14949 0 1 85 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X X JOSHUAH KLINE 9205637305 800 MADISON AVE FORT ATKINSON WI 53538 PHILIP RISTOW CHAIR 1.00 X X 2000 0 0 ERNEST WITZKE VICE CHAIR 1.00 X X 1700 0 0 COLLIN W STEVENS SECRETARY 1.00 X X 1300 0 0 MARGARET BARE TREASURER 1.00 X X 1100 0 0 KIMBERLY HOFFMANN DIRECTOR 1.00 X 1500 0 0 ROSALINDA MARTINEZ DIRECTOR 1.00 X 1400 0 0 CRAIG NEVERMANN DIRECTOR 1.00 X 1300 0 0 SUSAN JOHNSON CHIEF EXECUTIVE OFFICER 40.00 X 329699 0 76550 JOSHUAH KLINE CHIEF FINANCIAL OFFICER 40.00 X 137379 0 56095 MEGHAN BERNATH CHIEF OPERATING OFFICER 40.00 X 136296 0 47914 JEFFREY SCHEUERELL CHIEF EXPERIENCE OFFICER 40.00 X 118827 0 10041 KEVIN PAYNTER CHIEF LENDING OFFICER 40.00 X 115042 0 58253 ROBERT RUSSELL INTERNAL AUDITOR 40.00 X 106311 0 46380 953854 0 295233 6 0 1 0 LAMACCHIA GROUP 157 NORTH MILWAUKEE STREET MILWAUKEE WI 53202 BUILDING CONTRACTOR 3404886 COMPUTERS NATIONWIDE 120 N FRATERNITY LANE WHITEWATER WI 53190 IT MANAGED SERVICES 665634 PSCU 560 CLARILLON PARKWAY ST PETERSBURG FL 33716 CREDIT CARD PROCESSING SERVICES 512411 EDGE ONE 161 BUSINESS PARK CIRCLE STOUGHTON WI 53589 ITM PROVIDER 439748 17 INTEREST ON LOANS 522100 15921253 15921253 FEE INCOME 522100 1241298 1241298 INTERCHANGE DEBIT CARD INCOME 522100 346546 346546 INSURANCE SALES 524298 272543 255343 17200 NONMEMBER ATM FEES 522100 52522 52522 1511625 1511625 19345787 3844743 3844743 83745 35744 48001 48001 48001 6776599 6769313 7286 7286 7286 23245817 19276065 69722 3900030 145037 10000 5743421 1096396 3971292 201362 590209 312525 14115 95507 1274687 492861 367392 1826957 398765 52877 14414 797944 634904 13994 BAD DEBT EXPENSE 997089 LOAN & CLOSING COSTS 861094 CREDIT CARD FEES 159131 DUES & SUBSCRIPTIONS 76504 143074 20291551 7282444 9023106 23416098 24551851 1242570 1285480 1219111 1232014 250604667 270252948 1905599 2495042 20014098 6659038 10369189 13355060 70913938 72840637 5749673 4105315 11447309 6712443 384150598 405853896 4476125 7025162 173353 168505 19037971 19022963 316243871 329569477 339931320 355786107 X 0 0 0 0 44219278 50067789 44219278 50067789 384150598 405853896 X 2954266 2671328 222917 X 0 0 0 0 1 X 801900 801900 12846189 4276152 8570037 3471157 2382886 1088271 2894852 2894852 13355060 MEMBER SHARES & DEPOSITS 329569477 329569477 PART IV, LINE 2B: THE ORGANIZATION INCLUDES AN ESCROW ACCOUNT LIABILITY ON CERTAIN FORCE-PLACED INSURANCE AND REAL ESTATE TAXES ON CERTAIN MORTGAGE LOANS. 1 ROCK RIVER COMMUNITY CLINIC 1461 W MAIN STREET WHITEWATER WI 53190 205297560 501(C)(3) 105909 0 CAPITAL CAMPAIGN - NEW BUILDING + DONATION FORT ATKINSON YOUTH SOCCER ASSOCIATION PO BOX 3 FORT ATKINSON WI 53538 391634657 501(C)(3) 5720 0 NEW GOALS 2 0 SCHOLARSHIPS 5 10000 PART I, LINE 2: GRANTS, DONATIONS AND SPONSORSHIPS ARE APPROVED BY THE BOARD OF DIRECTORS. IN 2025, FCCU GAVE $100,000 IN CAPITAL CAMPAIGN DONATIONS, $45,037 IN SPONSORSHIPS, AND $10,000 IN LOCAL SCHOLARSHIPS TO HELP MEMBERS ACHIEVE THEIR EDUCATIONAL ASPIRATIONS. FCCU TEAM MEMBERS VOLUNTEERED 1,137 HOURS IN 2025 SUPPORTING 148 LOCAL ORGANIZATIONS.FOR THE SCHOLARSHIPS, THE CREDIT UNION SELECTED 5 RECIPIENTS BASED ON PRE-DETERMINED CRITERIA AND PAID AMOUNTS DIRECTION TO THE SCHOOLS ON BEHAVE OF THE AWARDED INDIVIDUAL. X X X 0 1 0 SUSAN JOHNSON CHIEF EXECUTIVE OFFICER 300789 0 27362 0 1548 0 50292 0 26258 0 406249 0 0 0 JOSHUAH KLINE CHIEF FINANCIAL OFFICER 124741 0 12485 0 153 0 33987 0 22108 0 193474 0 0 0 MEGHAN BERNATH CHIEF OPERATING OFFICER 124081 0 11996 0 219 0 30823 0 17091 0 184210 0 0 0 KEVIN PAYNTER CHIEF LENDING OFFICER 102967 0 11123 0 952 0 26310 0 31943 0 173295 0 0 0 ROBERT RUSSELL INTERNAL AUDITOR 100867 0 5026 0 418 0 14418 0 31962 0 152691 0 0 0 PART I, LINE 4B THE CEO, CFO, CLO AND COO PARTICIPATE IN A 457(F) PLAN. THERE WERE NO DISTRIBUTIONS FROM THE PLAN IN 2025. SUSAN JOHNSON CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 527000 601701 0 1 1 RICHARD AUSTIN CHIEF FINANCIAL OFFICER (FORMER) SPLIT DOLLAR LIFE INSURANCE X 480000 630313 0 1 1 1232014 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION CONSISTS OF A SINGLE CLASS OF MEMBER. TO BE A MEMBER, ONE MUST HAVE A SHARE/SAVINGS ACCOUNT. FORM 990, PART VI, SECTION A, LINE 7A EACH MEMBER HAS ONE VOTE TO ELECT THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B EACH MEMBER HAS ONE VOTE TO UTILIZE IN RATIFYING SIGNIFICANT DECISIONS BEYOND THE AUTHORITY OF THE BOARD AS OUTLINED IN THE ORGANIZATION'S BYLAWS. ANY DECISION TO DISSOLVE OR MERGE THE ORGANIZATION REQUIRES APPROVAL OF MEMBERSHIP. UNLESS MANDATED BY REGULATORY AGENCY (I.E. NCUA, WISCONSIN OFFICE OF CREDIT UNIONS). FORM 990, PART VI, SECTION B, LINE 11B THE CFO AND BOARD OF DIRECTORS REVIEW THE FORM 990 AT THE NEXT BOARD MEETING BEFORE FILING WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C ALL OFFICERS AND DIRECTORS ARE REQUIRED TO SIGN A CONFLICT OF INTEREST POLICY STATEMENT ON AN ANNUAL BASIS. IN CONNECTION WITH ANY ACTUAL OR POSSIBLE REPORTED CONFLICT OF INTEREST, AN INTERESTED PERSON MUST DISCLOSE THE EXISTENCE OF THE INTEREST AND BE GIVEN THE OPPORTUNITY TO DISCLOSE ALL MATERIAL FACTS TO THE DIRECTORS AND MEMBERS OF COMMITTEES WITH GOVERNING BODY DELEGATED POWERS. AFTER DISCLOSURE OF THE INTEREST AND ALL MATERIAL FACTS. THE INTERESTED PERSON SHALL LEAVE THE GOVERNING BODY OR COMMITTEE MEETING WHILE THE DETERMINATION OF A CONFLICT OF INTEREST IS DISCUSSED AND VOTED UPON BY THE REMAINING DIRECTORS OR COMMITTEE MEMBERS. THE GOVERNING BODY OR DESIGNATED COMMITTEE CONDUCTS PERIODIC REVIEWS TO ENSURE THAT THE ORGANIZATION DOES NOT ENGAGE IN ACTIVITIES THAT COULD JEOPARDIZE ITS TAX-EXEMPT STATUS. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD OF DIRECTORS APPROVE THE CHIEF EXECUTIVE OFFICER'S SALARY. THE CHIEF EXECUTIVE OFFICER APPROVES ALL OTHER OFFICERS OR KEY EMPLOYEE SALARIES USING THE BOARD APPROVED SALARY BUDGET. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE POSTED ON THE CREDIT UNION WEBSITE AND AVAILABLE IN THE MAIN AND BRANCH OFFICE LOBBIES. ALL OTHER GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: OTHER CHANGE IN NET ASSETS 14,063. EQUITY ACQUIRED IN MERGER 208,854.