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Sentry Credit Union

Stevens Point, WIUnknown exempt organizationSince 1935EIN 39-1429665

To deliver safe, competitive and convenient personal banking products, with exceptional service, to our members. As a trusted partner, our solid financial strength ensures members can rely US to assist toward attaining their financial goals while creating highly valued benefit.

Run by 11 volunteers and 16 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
5 of 5
filings with a surplus
Average surplus $712K a year · 15% of revenue · last 5 filings
Looks good: a surplus in 5 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Cash reserves
67 mo
of spending, in cash
Looks good: 66.6 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$124.0M
86% of total assets
Concern: liabilities are 86% of assets; over 80%.
Pt X · Ln 26
Independent board members
9
of 9 voting members
Looks good: 9 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$6.9M
+18% vs prior year
Spent
$6.6M
Net assets
$19.4M
By yearFY2020–FY2024
Revenue
$6.9M
FY2024▲ +18%
Revenue by fiscal year
FY2020$3.7M
FY2021$3.4M
FY2022$3.9M
FY2023$5.9M
FY2024$6.9M
Expenses
$6.6M
FY2024▲ +42%
Expenses by fiscal year
FY2020$2.9M
FY2021$2.9M
FY2022$3.2M
FY2023$4.6M
FY2024$6.6M
Net assets
$19.4M
FY2024▲ +2%
Net assets by fiscal year
FY2020$16.6M
FY2021$17.1M
FY2022$17.8M
FY2023$19.0M
FY2024$19.4M

From the FY2024 Form 990 · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024.

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.

Part VII, Section A · reportable compensation
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Harry Rice
Secretary
$0Pt VII · Sec A
Mike Bilbrey
Treasurer
$0Pt VII · Sec A
Joe Morgan
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
See Sentry Credit Union executive salaries →

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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

Provides members with safe, convenient banking and financial guidance to achieve their goals.

Provided by the organization

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

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1 program service, described in the organization's own filed words · FY2024.
01

Holding deposits for and making loans to members

Pt IX · col B

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By the numbers

The FY2024 990, line by line.

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from philanthropy.org
1The main four
Money inPt VIII
$6.9M
Ln 12
Fees for servicesLn 2g$5.1M
Investment incomeLn 3$1.8M
Other incomeLn 4–11$18K
Money outPt IX
$6.6M
Ln 25
Owns and owesPt X
$19.4M
net assets · Ln 32
Cash and savingsLn 1–2$36.5M
Total assetsLn 16$143.3M
LiabilitiesLn 26$124.0M
PeoplePt VI, VII
10
listed · VII A
PaidVII A0
Voting boardVI 1a9
IndependentVI 1b9
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$5.1M
Investment incomeLn 3$1.8M
Other incomeLn 4–11$18K
Total revenueLn 12$6.9M
Assets in detailPt X, end of year
CashLn 1$793K
SavingsLn 2$35.7M
Cash and savings togetherLn 1–2$36.5M
InvestmentsLn 11–13$985K
Land, buildings, equipmentLn 10c$82K
Other assetsLn 15$1.5M
Total assetsLn 16$143.3M
LiabilitiesLn 26$124.0M
Net assetsLn 32$19.4M
OperationsPt I, VI
EmployeesI 516
VolunteersI 611
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 FY24End FY24
Cash and savingsLn 1–2$37.9M$36.5M
InvestmentsLn 11–13$983K$985K
Land, buildings, equipmentLn 10c$100K$82K
Total assetsLn 16$140.8M$143.3M
LiabilitiesLn 26$121.7M$124.0M
Net assetsLn 32$19.0M$19.4M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$173K
Other salaries and wagesLn 7$1.0M
Other employee benefitsLn 9$396K
Accounting feesLn 11c$18K
Other fees for servicesLn 11g$6K
Advertising and promotionLn 12$123K
Office expensesLn 13$105K
Information technologyLn 14$438K
OccupancyLn 16$42K
TravelLn 17$17K
Conferences, conventions and meetingsLn 19$22K
InterestLn 20$145
Depreciation, depletion and amortizationLn 22$50K
InsuranceLn 23$34K
Other expenses (24a–d)Ln 24$4.0M
All other expensesLn 24e$117K
Total functional expensesLn 25$6.6M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest Viewing $6.9M$6.6M$345K$19.4M 990 PDF
FY2023 $5.9M$4.6M$1.2M$19.0M 990 PDF
FY2022 $3.9M$3.2M$648K$17.8M 990 PDF
FY2021 $3.4M$2.9M$523K$17.1M 990 PDF
FY2020 $3.7M$2.9M$802K$16.6M 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 FY2024 990 (4 parts)
Part VIII · Statement of revenue $6,913,526 across 4 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $5,133,077 · Unrelated business $3,689$5,136,766
VIII-3 Investment incomeExcluded from tax $1,758,760$1,758,760
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $18,000$18,000
VIII-12 Total revenueRelated to mission $5,151,077 · Unrelated business $3,689 · Excluded from tax $1,758,760$6,913,526
Part IX · Statement of functional expenses $6,568,301 across 16 lines filed
IX-5 Pay of current officers, directors and key staff$173,401
IX-7 Other salaries and wages$1,015,581
IX-9 Other employee benefits$395,710
IX-11c Accounting fees$18,411
IX-11g Other fees for services$5,625
IX-12 Advertising and promotion$123,222
IX-13 Office expenses$104,954
IX-14 Information technology$437,741
IX-16 Occupancy$42,030
IX-17 Travel$16,589
IX-19 Conferences, conventions and meetings$21,528
IX-20 Interest$145
IX-22 Depreciation, depletion and amortization$49,799
IX-23 Insurance$34,159
IX-24 Other expenses (24a–d)$4,012,159
IX-24e All other expenses$117,247
IX-25 Total functional expenses$6,568,301
Part X · Balance sheet $143,349,770 assets, 13 lines filed
Asset lines not itemized here account for $103,778,834; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $1,000,574$793,466
X-2 Savings and temporary cash investmentsStart of year $36,908,432$35,667,723
X-4 Accounts receivableStart of year $741,453$10,678
X-9 Prepaid expenses and deferred chargesStart of year $200,057$529,654
X-10c Land, buildings and equipment, netStart of year $100,396$82,264
X-13 Program-related investmentsStart of year $983,109$984,629
X-15 Other assetsStart of year $1,326,221$1,502,522
X-16 Total assetsStart of year $140,784,155$143,349,770
X-17 Accounts payable and accrued expensesStart of year $1,079,910$1,498,203
X-25 Other liabilitiesStart of year $120,666,574$122,468,671
X-26 Total liabilitiesStart of year $121,746,484$123,966,874
X-32 Total net assets or fund balancesStart of year $19,037,671$19,382,896
X-33 Total liabilities and net assetsStart of year $140,784,155$143,349,770
Part XI · Reconciliation of net assets $19,382,896 net assets at year end
XI-1 Total revenue$6,913,526
XI-2 Total expenses$6,568,301
XI-3 Revenue less expenses$345,225
XI-4 Net assets at start of year$19,037,671
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$19,382,896

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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