Central Wisconsin Credit Union

EIN: 391018998

Plover, WI

Total Revenue
$2,305,483
Total Expenses
$1,898,369
Total Assets
$53,585,385
Net Assets
$5,492,465
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1936
Legal Domicile
WI
Principal Officer
Nick Helbach
Phone
7153410520
Tax Period
2025-01-01 to 2025-12-31

Central Wisconsin Credit Union, founded in 1936, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $407K, a strong 18% operating margin.

Mission

A cooperative not-for-profit corporation incorporated to encourage thrift amongst members and to create a source of credit at a fair and reasonable cost to improve the economic and social condition.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,549,897
Investment Income $755,586
Other Revenue $0
TOTAL REVENUE $2,305,483

Expense Breakdown

Grants Paid $0
Salaries & Benefits $768,936
Fundraising Expenses $0
Program Expenses $1,898,369
Other Expenses $1,129,433
TOTAL EXPENSES $1,898,369

Year-over-Year Comparison

2025 2024 Change
Revenue $2,305,483 $2,129,356 +0.1%
Expenses $1,898,369 $1,689,586 +0.1%
Net Income $407,114 $439,770 -0.1%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
5
Independent Members
5
Employees
9
Volunteers
5

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
2
$298,234
Total Directors
7
$212,652
Key Employees
0
$0
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Nick Helbach President 40.50
Officer Director Highest
$206,672 $910 $207,582
Nancy Breitenstein VP-Lending 40
Officer
$90,652 $0 $90,652
Val Omernick Chairman 0.50
Director
$0 $910 $910
John Eckendorf Treasurer 0.50
Director
$0 $910 $910
Rollie Vallin Vice Chairman 0.50
Director
$0 $845 $845
Scott Roberts Board Member 0.50
Director
$0 $845 $845
Mike Wiza Secretary 0.50
Director
$0 $780 $780
Angela Harer Secretary 0.50
Director
$0 $780 $780
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $2,305,483 $1,898,369 $53,585,385 $407,114
2024 $2,129,356 $1,689,586 $49,918,360 $439,770
2023 $1,889,512 $1,732,163 $49,721,153 $157,349
2022 $1,556,503 $1,419,625 $53,054,155 $136,878
2021 $1,337,951 $1,286,867 $53,009,395 $51,084
2020 $1,480,764 $1,404,613 $46,432,372 $76,151
2019 $1,787,002 $1,472,442 $39,406,757 $314,560
2018 $1,453,887 $1,305,175 $37,389,759 $148,712
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