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Stoppenbach Credit Union

Jefferson, WIUnknown exempt organization EIN 39-6047476Revenue $106K in FY2025Latest return filed Mar 23, 2026

On file with the IRS120 E Milwaukee Street · Jefferson, WI

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A cooperative, non-profit corporation, incorporated to encourage thrift among its members, create a source of Credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.

Run by 7 volunteers and 2 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
5 of 6
filings with a surplus
Average surplus $7K a year · 7% of revenue · last 6 filings
Fine: a surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
0%
of spending
Concern: 0% of spending went to programs; under 50%.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$40K
to officers and key staff · 36% of spending
Concern: pay to officers and key staff is 36% of spending; over 30%.
Pt VII · Sec A
Cash reserves
62 mo
of spending, in cash
Looks good: 62.2 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$1.5M
77% of total assets
Worth a look: liabilities are 77% of assets; over 65%.
Pt X · Ln 26
Independent board members
5
of 5 voting members
Looks good: 5 of 5 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$106K
-2% vs prior year
Spent
$110K
To programs
0%
Net assets
$461K
By yearFY2020–FY2025
Revenue
$106K
FY2025▼ -2%
Tap a bar for its year
Revenue by fiscal year
FY2020$94K
FY2021$92K
FY2022$96K
FY2023$111K
FY2024$108K
FY2025$106K
Expenses
$110K
FY2025▲ +4%
Tap a bar for its year
Expenses by fiscal year
FY2020$85K
FY2021$80K
FY2022$82K
FY2023$101K
FY2024$106K
FY2025$110K
Net assets
$461K
FY2025▼ -0.8%
Tap a bar for its year
Net assets by fiscal year
FY2020$420K
FY2021$432K
FY2022$446K
FY2023$456K
FY2024$465K
FY2025$461K

From the FY2025 Form 990 · see the original

990 PDF 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

6 people listed on the 990; $40K paid to officers and key staff.

Part VII, Section A · reportable compensation
$39,624Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Keith Griep
Treasurer
$0Pt VII · Sec A
Lana Jilek
Secretary
$0Pt VII · Sec A
Raul Guerra
Director
$0Pt VII · Sec A

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Joetta Furgason$39,624$38,272$35,712$32,748$30,127$28,832

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.

See Stoppenbach 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

Helps members save money, get fair loans, and improve their lives.

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Provided by the organization

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2 programs · in their own filed words · FY2025
01

The credit union has several types of loan programs available for our members. We funded 58 new loans to our members during 2025. As of 12/31/25 we had 146 loans to our members.

Pt IX · col B
02

The credit union has various types of deposit accounts available for our members. We oepned 9 new deposit accounts in 2025. As of 12/31/25 we had 507 members.

Pt IX · col B

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$106K
Ln 12
Fees for servicesLn 2g$96K
Investment incomeLn 3$10K
Money outPt IX
$110K
Ln 25
Owns and owesPt X
$461K
net assets · Ln 32
Cash and savingsLn 1–2$570K
Total assetsLn 16$2.0M
LiabilitiesLn 26$1.5M
PeoplePt VI, VII
6
listed · VII A
PaidVII A1
Voting boardVI 1a5
IndependentVI 1b5
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$96K
Investment incomeLn 3$10K
Total revenueLn 12$106K
Assets in detailPt X, end of year
CashLn 1$4K
SavingsLn 2$566K
Cash and savings togetherLn 1–2$570K
InvestmentsLn 11–13$15K
Land, buildings, equipmentLn 10c$458
Other assetsLn 15$16K
Total assetsLn 16$2.0M
LiabilitiesLn 26$1.5M
Net assetsLn 32$461K
OperationsPt I, VI
EmployeesI 52
VolunteersI 67
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$588K$570K
InvestmentsLn 11–13$15K$15K
Land, buildings, equipmentLn 10c$458
Total assetsLn 16$2.0M$2.0M
LiabilitiesLn 26$1.6M$1.5M
Net assetsLn 32$465K$461K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$40K
Other salaries and wagesLn 7$2K
Payroll taxesLn 10$3K
Advertising and promotionLn 12$518
Office expensesLn 13$9K
Information technologyLn 14$6K
OccupancyLn 16$6K
Conferences, conventions and meetingsLn 19$1K
Depreciation, depletion and amortizationLn 22$42
InsuranceLn 23$8K
Other expenses (24a–d)Ln 24$35K
Total functional expensesLn 25$110K$0$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest ViewingFiled with the IRS Mar 23, 2026 $106K$110K−$4K$461K 990 PDF
FY2024Filed with the IRS Apr 3, 2025 $108K$106K$2K$465K 990 PDF
FY2023Filed with the IRS Apr 2, 2024 $111K$101K$10K$456K 990 PDF
FY2022Filed with the IRS Mar 22, 2023 $96K$82K$14K$446K 990 PDF
FY2021Filed with the IRS Apr 1, 2022 $92K$80K$12K$432K 990 PDF
FY2020Filed with the IRS Mar 25, 2021 $94K$85K$9K$420K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $106,226 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $100,302$96,231
I-10 Investment incomePrior year $7,676$9,995
I-11 Other revenue$0
I-12 Total revenuePrior year $107,978$106,226
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $42,649$44,829
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $62,920$65,160
I-18 Total expensesPrior year $105,569$109,989
I-19 Revenue less expensesPrior year $2,409−$3,763
Part VI · Governance 5 of 5 board members independent, 3 to look at
VI-1a Voting members of the governing body5
VI-1b Independent voting members5
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $106,226 across 3 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $96,201 · Unrelated business $30$96,231
VIII-3 Investment incomeExcluded from tax $9,995$9,995
VIII-12 Total revenueRelated to mission $96,201 · Unrelated business $30 · Excluded from tax $9,995$106,226
Part IX · Statement of functional expenses $109,989 across 11 lines filed
IX-5 Pay of current officers, directors and key staff$39,624
IX-7 Other salaries and wages$2,019
IX-10 Payroll taxes$3,186
IX-12 Advertising and promotion$518
IX-13 Office expenses$9,093
IX-14 Information technology$5,886
IX-16 Occupancy$5,925
IX-19 Conferences, conventions and meetings$1,048
IX-22 Depreciation, depletion and amortization$42
IX-23 Insurance$8,109
IX-24 Other expenses (24a–d)$34,539
IX-25 Total functional expensesPrograms $0 · Management $0 · Fundraising $0$109,989
Part X · Balance sheet $1,969,586 assets, 12 lines filed
Asset lines not itemized here account for $1,364,422; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $3,117$3,897
X-2 Savings and temporary cash investmentsStart of year $584,752$566,395
X-9 Prepaid expenses and deferred chargesStart of year $3,072$3,521
X-10c Land, buildings and equipment, net$458
X-13 Program-related investmentsStart of year $15,060$15,151
X-15 Other assetsStart of year $15,771$15,742
X-16 Total assetsStart of year $2,020,076$1,969,586
X-17 Accounts payable and accrued expensesStart of year $25,873$19,849
X-25 Other liabilitiesStart of year $1,529,182$1,488,479
X-26 Total liabilitiesStart of year $1,555,055$1,508,328
X-32 Total net assets or fund balancesStart of year $465,021$461,258
X-33 Total liabilities and net assetsStart of year $2,020,076$1,969,586
Part XI · Reconciliation of net assets $461,258 net assets at year end
XI-1 Total revenue$106,226
XI-2 Total expenses$109,989
XI-3 Revenue less expenses−$3,763
XI-4 Net assets at start of year$465,021
XI-10 Net assets at end of year$461,258

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

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