Arcadia Credit Union

Arcadia, WIUnknown exempt organizationSince 1963EIN 39-1081863Revenue $8.0M in FY2025

On file with the IRSarcadiacu.comPo Box 187 · Arcadia, WI

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We strive to provide our members with quality service, low/no fees, and great rates.

Run by 7 volunteers and 29 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

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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 $1.0M a year · 19% 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
$349K
to officers and key staff · 6% of spending
Looks good: pay to officers and key staff is 6% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
44 mo
of spending, in cash
Looks good: 44.2 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$121.3M
87% of total assets
Concern: liabilities are 87% of assets; over 80%.
Pt X · Ln 26
Independent board members
7
of 7 voting members
Looks good: 7 of 7 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$8.0M
+11% vs prior year
Spent
$6.3M
Net assets
$17.7M
By yearFY2020–FY2025
Revenue
$8.0M
FY2025▲ +11%
Tap a bar for its year
Revenue by fiscal year
FY2020$3.9M
FY2021$4.0M
FY2022$4.6M
FY2023$5.9M
FY2024$7.2M
FY2025$8.0M
Expenses
$6.3M
FY2025▲ +2%
Tap a bar for its year
Expenses by fiscal year
FY2020$3.3M
FY2021$3.2M
FY2022$3.6M
FY2023$4.9M
FY2024$6.2M
FY2025$6.3M
Net assets
$17.7M
FY2025▲ +11%
Tap a bar for its year
Net assets by fiscal year
FY2020$12.1M
FY2021$12.9M
FY2022$13.9M
FY2023$14.9M
FY2024$16.0M
FY2025$17.7M

From the FY2025 Form 990 · see the original

Give Claim

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

10 people listed on the 990; $349K paid to officers and key staff.

Part VII, Section A · reportable compensation
President/CEO
$219,347Pt VII · Sec A
Executive Vice-President
$116,355Pt VII · Sec A
$2,933Pt VII · Sec A
Vice Chair
$2,600Pt VII · Sec A
Vice Chair
$1,633Pt VII · Sec A
Treasurer
$1,600Pt VII · Sec A
Secretary
$1,433Pt VII · Sec A
Director
$1,433Pt VII · Sec A

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

NameFY2025FY2024FY2023FY2022FY2021FY2020
Michele Roesler$219,347$197,141$191,196$501,864$151,357$162,382
Sara Maliszewski$116,355$110,183$109,354———
Ivan Pronschinske$2,933$3,541$4,294$3,701$3,118$2,600
Robert Braun$2,600$3,341$2,994$3,401$3,018$2,300
John T Slaby$1,600$2,341$1,894$2,501$1,918$1,500
Carol Wineski$1,633$2,200$1,894$2,401$2,143$1,500
Joseph Haines$1,433$1,897$1,494$2,101$1,518$1,200
Bruce Schweisthal$1,300$1,800$1,400$2,101$1,518$1,200

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 quality service, low/no fees, and great rates.

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Provided by the organization

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2 programs · in their own filed words · FY2025
01

We funded 967 loans during 2025. As of 12/31/25, we had 735 MORTGAGES/HOME equity lines, 1300 consumer loans, and 140 member business loans. We also had 959 credit card accounts with our members.

Pt IX · col B
02

We have deposit, transaction, and investment accounts with 6958 members at 12/31/25. During 2025, we opened 1910 new deposit, transaction and investment accounts.

Pt IX · col B

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$8.0M
Ln 12
Fees for servicesLn 2g$6.7M
Investment incomeLn 3$1.4M
Money outPt IX
$6.3M
Ln 25
Owns and owesPt X
$17.7M
net assets · Ln 32
Cash and savingsLn 1–2$23.3M
Total assetsLn 16$139.0M
LiabilitiesLn 26$121.3M
PeoplePt VI, VII
10
listed · VII A
PaidVII A10
Voting boardVI 1a7
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$6.7M
Investment incomeLn 3$1.4M
Total revenueLn 12$8.0M
Assets in detailPt X, end of year
CashLn 1$943K
SavingsLn 2$22.4M
Cash and savings togetherLn 1–2$23.3M
InvestmentsLn 11–13$285K
Land, buildings, equipmentLn 10c$1.2M
Other assetsLn 15$8.9M
Total assetsLn 16$139.0M
LiabilitiesLn 26$121.3M
Net assetsLn 32$17.7M
OperationsPt I, VI
EmployeesI 529
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$3.4M$23.3M
InvestmentsLn 11–13$15.5M$285K
Land, buildings, equipmentLn 10c$1.2M$1.2M
Total assetsLn 16$129.0M$139.0M
LiabilitiesLn 26$113.0M$121.3M
Net assetsLn 32$16.0M$17.7M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$349K
Other salaries and wagesLn 7$1.1M
Pension plan contributionsLn 8$275K
Other employee benefitsLn 9$407K
Payroll taxesLn 10$106K
Accounting feesLn 11c$37K
Other fees for servicesLn 11g$53K
Advertising and promotionLn 12$199K
Office expensesLn 13$186K
Information technologyLn 14$176K
OccupancyLn 16$78K
Conferences, conventions and meetingsLn 19$94K
Depreciation, depletion and amortizationLn 22$138K
InsuranceLn 23$32K
Other expenses (24a–d)Ln 24$3.1M
All other expensesLn 24e$46K
Total functional expensesLn 25$6.3M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $8.0M$6.3M$1.7M$17.7M 990 PDF
FY2024 $7.2M$6.2M$1.1M$16.0M 990 PDF
FY2023 $5.9M$4.9M$1.0M$14.9M 990 PDF
FY2022 $4.6M$3.6M$984K$13.9M 990 PDF
FY2021 $4.0M$3.2M$845K$12.9M 990 PDF
FY2020 $3.9M$3.3M$682K$12.1M 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 (6 parts)
Part I · Summary $8,010,598 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $6,277,294$6,655,973
I-10 Investment incomePrior year $960,933$1,354,625
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $7,238,227$8,010,598
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $2,183,035$2,207,448
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $3,993,427$4,122,715
I-18 Total expensesPrior year $6,176,462$6,330,163
I-19 Revenue less expensesPrior year $1,061,765$1,680,435
Part VI · Governance 7 of 7 board members independent, no flags
VI-1a Voting members of the governing body7
VI-1b Independent voting members7
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $8,010,598 across 3 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $6,652,234 · Unrelated business $3,739$6,655,973
VIII-3 Investment incomeExcluded from tax $1,354,625$1,354,625
VIII-12 Total revenueRelated to mission $6,652,234 · Unrelated business $3,739 · Excluded from tax $1,354,625$8,010,598
Part IX · Statement of functional expenses $6,330,163 across 16 lines filed
IX-5 Pay of current officers, directors and key staff$349,184
IX-7 Other salaries and wages$1,069,804
IX-8 Pension plan contributions$275,435
IX-9 Other employee benefits$406,968
IX-10 Payroll taxes$106,057
IX-11c Accounting fees$36,940
IX-11g Other fees for services$52,864
IX-12 Advertising and promotion$199,395
IX-13 Office expenses$186,395
IX-14 Information technology$175,838
IX-16 Occupancy$78,363
IX-19 Conferences, conventions and meetings$94,077
IX-22 Depreciation, depletion and amortization$137,860
IX-23 Insurance$32,076
IX-24 Other expenses (24a–d)$3,082,509
IX-24e All other expenses$46,398
IX-25 Total functional expenses$6,330,163
Part X · Balance sheet $138,970,201 assets, 13 lines filed
Asset lines not itemized here account for $105,086,116; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $881,797$943,438
X-2 Savings and temporary cash investmentsStart of year $2,476,389$22,353,995
X-4 Accounts receivableStart of year $208,149$219,276
X-9 Prepaid expenses and deferred chargesStart of year $68,809$29,841
X-10c Land, buildings and equipment, netStart of year $1,204,866$1,159,456
X-12 Other securitiesStart of year $15,526,959$284,959
X-15 Other assetsStart of year $8,404,902$8,893,120
X-16 Total assetsStart of year $128,961,428$138,970,201
X-17 Accounts payable and accrued expensesStart of year $1,491,033$1,740,217
X-25 Other liabilitiesStart of year $111,478,692$119,557,846
X-26 Total liabilitiesStart of year $112,969,725$121,298,063
X-32 Total net assets or fund balancesStart of year $15,991,703$17,672,138
X-33 Total liabilities and net assetsStart of year $128,961,428$138,970,201
Part XI · Reconciliation of net assets $17,672,138 net assets at year end
XI-1 Total revenue$8,010,598
XI-2 Total expenses$6,330,163
XI-3 Revenue less expenses$1,680,435
XI-4 Net assets at start of year$15,991,703
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$17,672,138

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

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