Pcm Credit Union

Green Bay, WIUnknown exempt organizationSince 1958EIN 39-0974444

Pcm Credit Union is a strong financial cooperative that goes above and beyond providing member-owners benefits and advantages over other financial institutions.

Run by 7 volunteers and 60 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $2.3M a year · 13% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Pay to officers and key staff
$1.1M
to officers and key staff · 5% of spending
Looks good: pay to officers and key staff is 5% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
5 mo
of spending, in cash
Looks good: 5.2 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$450.9M
90% of total assets
Concern: liabilities are 90% of assets; over 80%.
Pt X · Ln 26
Independent board members
6
of 6 voting members
Looks good: 6 of 6 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$25.1M
+8% vs prior year
Spent
$22.0M
Net assets
$50.1M
By yearFY2020–FY2025
Revenue
$25.1M
FY2025▲ +8%
Revenue by fiscal year
FY2020$12.5M
FY2021$12.6M
FY2022$14.0M
FY2023$18.9M
FY2024$23.3M
FY2025$25.1M
Expenses
$22.0M
FY2025▲ +1%
Expenses by fiscal year
FY2020$10.3M
FY2021$9.8M
FY2022$10.9M
FY2023$17.9M
FY2024$21.7M
FY2025$22.0M
Net assets
$50.1M
FY2025▲ +12%
Net assets by fiscal year
FY2020$40.9M
FY2021$42.4M
FY2022$40.6M
FY2023$42.7M
FY2024$44.8M
FY2025$50.1M

From the FY2025 Form 990 · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

15 people listed on the 990; $1.1M paid to officers and key staff.

Part VII, Section A · reportable compensation
$329,959Pt VII · Sec A
Vice President of Finance
$162,447Pt VII · Sec A
Vice President of Lending
$152,944Pt VII · Sec A
Vice President of Human Resources
$121,527Pt VII · Sec A
IT Director
$109,492Pt VII · Sec A
Senior Director of Marketing
$107,096Pt VII · Sec A
Senior Project Director
$101,146Pt VII · Sec A
Chairperson (thru Dec 2025)
$0Pt VII · Sec A

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Danny L Wollin——$242,704$374,395$347,062$317,636
Shelly Mellenberger$329,959$285,213$227,326$147,028——
Cathy M Becks———$213,879$271,342$237,933
Samantha Isted$162,447$144,462$113,112———
Joseph Wollin$152,944$138,619$125,385$109,143——
Michael J McMullen—————$127,408
Christina Connell$121,527$113,103$108,642———
Lesley Enz$107,096$109,804$107,234———

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers members financial benefits and advantages over other institutions.

Provided by the organization

This section is blank until Pcm Credit Union claims this page.

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2 program services, described in the organization's own filed words · FY2025.
01

The credit union funded 3,079 loans totaling $115,617,141 during 2025. We had 2,510 MORTGAGES/HOME equity lines, 5,290 consumer loans. We also had 4,867 credit cards accounts with our members at 12/31.

Pt IX · col B
02

The credit union has deposit, transaction and investment accounts with 15,441 members at 12/31/25.

Pt IX · col B

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Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · this organization's grantmaking
Grants paid · 2 grants · $79K · 2023–2023

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$25.1M
Ln 12
Fees for servicesLn 2g$20.3M
Investment incomeLn 3$4.8M
Other incomeLn 4–11$7K
Money outPt IX
$22.0M
Ln 25
Owns and owesPt X
$50.1M
net assets · Ln 32
Cash and savingsLn 1–2$9.6M
Total assetsLn 16$501.0M
LiabilitiesLn 26$450.9M
PeoplePt VI, VII
15
listed · VII A
PaidVII A7
Voting boardVI 1a6
IndependentVI 1b6
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$20.3M
Investment incomeLn 3$4.8M
Other incomeLn 4–11$7K
Gains on assetsLn 7$11K
Total revenueLn 12$25.1M
Assets in detailPt X, end of year
CashLn 1$3.0M
SavingsLn 2$6.6M
Cash and savings togetherLn 1–2$9.6M
InvestmentsLn 11–13$104.4M
Land, buildings, equipmentLn 10c$5.8M
Other assetsLn 15$21.6M
Total assetsLn 16$501.0M
LiabilitiesLn 26$450.9M
Net assetsLn 32$50.1M
OperationsPt I, VI
EmployeesI 560
VolunteersI 67
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$8.2M$9.6M
InvestmentsLn 11–13$102.9M$104.4M
Land, buildings, equipmentLn 10c$6.0M$5.8M
Total assetsLn 16$468.1M$501.0M
LiabilitiesLn 26$423.3M$450.9M
Net assetsLn 32$44.8M$50.1M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$44K
Benefits paid to or for membersLn 4$9.4M
Pay of current officers, directors and key staffLn 5$545K
Other salaries and wagesLn 7$3.0M
Pension plan contributionsLn 8$195K
Other employee benefitsLn 9$600K
Payroll taxesLn 10$275K
Accounting feesLn 11c$31K
Other fees for servicesLn 11g$167K
Advertising and promotionLn 12$234K
Office expensesLn 13$233K
Information technologyLn 14$573K
OccupancyLn 16$322K
TravelLn 17$11K
Conferences, conventions and meetingsLn 19$64K
InterestLn 20$2.8M
Depreciation, depletion and amortizationLn 22$259K
InsuranceLn 23$70K
Other expenses (24a–d)Ln 24$2.7M
All other expensesLn 24e$442K
Total functional expensesLn 25$22.0M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $25.1M$22.0M$3.1M$50.1M 990 PDF
FY2024 $23.3M$21.7M$1.6M$44.8M 990 PDF
FY2023 $18.9M$17.9M$1.0M$42.7M 990 PDF
FY2022 $14.0M$10.9M$3.1M$40.6M 990 PDF
FY2021 $12.6M$9.8M$2.8M$42.4M 990 PDF
FY2020 $12.5M$10.3M$2.2M$40.9M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (4 parts)
Part VIII · Statement of revenue $25,086,389 across 6 lines filed
Lines not itemized here account for $28,423 of total revenue; see the IRS return.
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $20,166,519 · Unrelated business $74,394$20,240,913
VIII-3 Investment incomeExcluded from tax $4,798,741$4,798,741
VIII-6 Net rental income or lossExcluded from tax $4,800$4,800
VIII-7 Net gain or loss on sales of assetsExcluded from tax $10,914$10,914
VIII-8 Net income from fundraising eventsExcluded from tax $2,598$2,598
VIII-12 Total revenueRelated to mission $20,194,942 · Unrelated business $74,394 · Excluded from tax $4,817,053$25,086,389
Part IX · Statement of functional expenses $21,996,195 across 20 lines filed
IX-1 Grants to domestic organizations$43,883
IX-4 Benefits paid to or for members$9,410,406
IX-5 Pay of current officers, directors and key staff$544,828
IX-7 Other salaries and wages$3,006,890
IX-8 Pension plan contributions$195,469
IX-9 Other employee benefits$600,478
IX-10 Payroll taxes$275,064
IX-11c Accounting fees$30,634
IX-11g Other fees for services$167,191
IX-12 Advertising and promotion$234,243
IX-13 Office expenses$233,257
IX-14 Information technology$572,918
IX-16 Occupancy$321,768
IX-17 Travel$10,506
IX-19 Conferences, conventions and meetings$63,591
IX-20 Interest$2,843,624
IX-22 Depreciation, depletion and amortization$258,763
IX-23 Insurance$69,546
IX-24 Other expenses (24a–d)$2,670,976
IX-24e All other expenses$442,160
IX-25 Total functional expenses$21,996,195
Part X · Balance sheet $500,951,291 assets, 14 lines filed
Asset lines not itemized here account for $358,126,576; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $3,425,925$2,975,332
X-2 Savings and temporary cash investmentsStart of year $4,743,917$6,586,682
X-4 Accounts receivableStart of year $1,058,938$1,121,505
X-9 Prepaid expenses and deferred chargesStart of year $268,654$374,120
X-10c Land, buildings and equipment, netStart of year $5,994,350$5,777,227
X-11 Publicly traded securitiesStart of year $90,265,541$92,253,344
X-12 Other securitiesStart of year $12,585,143$12,097,260
X-15 Other assetsStart of year $18,388,365$21,639,245
X-16 Total assetsStart of year $468,092,393$500,951,291
X-17 Accounts payable and accrued expensesStart of year $4,098,785$4,087,139
X-25 Other liabilitiesStart of year $371,114,280$397,468,333
X-26 Total liabilitiesStart of year $423,327,743$450,888,020
X-32 Total net assets or fund balancesStart of year $44,764,650$50,063,271
X-33 Total liabilities and net assetsStart of year $468,092,393$500,951,291
Part XI · Reconciliation of net assets $50,063,271 net assets at year end
XI-1 Total revenue$25,086,389
XI-2 Total expenses$21,996,195
XI-3 Revenue less expenses$3,090,194
XI-4 Net assets at start of year$44,764,650
XI-5 Net unrealized gains (losses) on investments$2,208,427
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$50,063,271

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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