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Forward Financial Credit Union

  • Niagara, WI
  • EIN: 39-0812058

Organization summary

Organization summary might be incomplete or out of date

This organization is not listed in the IRS's most recent list of tax exempt organizations, but we have data associated with this Employer Identification Number.

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Summary charts: organization finances over time

Revenue
$4.55M (2023)

Expenses
$3.92M (2023)

Total Assets
$90.2M (2023)

Total Liabilities
$81.2M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,553,493
Expenses
$3,915,324
Net Income
$638,169
Net Assets
$8,981,086
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,575,075
78.5%
Investment Income $965,296
21.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $13,122
0.3%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $150,595
3.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,191,615
30.4%
Assets/Debt
Total Assets $90,203,429
Total Liabilities $81,222,343
Net Assets $8,981,086
Compensation
Key Employees and Officers Compensation Related Other
Tammy Young (President/Ceo) $99,162 $0 $6,388
Denise Sauld (Vp Financial Services) $41,233 $0 $4,000
Dan Decker (Chair) $3,000 $0 $0
Scott Pancheri (Vice Chair) $2,400 $0 $0
Mary Ellen Welcher (Secretary) $2,400 $0 $0
Teresa West (Treasurer) $2,400 $0 $0
Ralph Dumke (Director) $0 $0 $0
Angela Moreau (Director) $0 $0 $0
Audrey Fredrick (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 4, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,922,545
Expenses
$3,767,225
Net Income
$155,320
Net Assets
$7,763,714
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,423,300
87.3%
Investment Income $498,470
12.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $775
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $284,993
7.6%
Professional Fundraising Fees $0
Other Salaries and Wages $973,004
25.8%
Assets/Debt
Total Assets $95,158,001
Total Liabilities $87,394,287
Net Assets $7,763,714
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (President/Ceo) $109,027 $0 $22,382
Denise Sauld (Vp Financial Services) $86,766 $0 $4,358
Tammy Young (Vp Operations) $79,250 $0 $8,182
Dan Decker (Treasurer/Chairman) $2,800 $0 $0
Scott Pancheri (Vice Chairperson) $2,400 $0 $0
Mary Ellen Welcher (Secretary) $2,400 $0 $0
Teresa Clement (Director/Treasurer) $1,600 $0 $0
Kerry Grippen (Chairperson) $750 $0 $0
Ralph Dumke (Director) $0 $0 $0
Angela Moreau (Director) $0 $0 $0
Audrey Fredrick (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on July 5, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,652,307
Expenses
$3,509,811
Net Income
$142,496
Net Assets
$9,231,067
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,467,624
94.9%
Investment Income $135,253
3.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $49,430
1.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $288,601
8.2%
Professional Fundraising Fees $0
Other Salaries and Wages $857,298
24.4%
Assets/Debt
Total Assets $94,902,854
Total Liabilities $85,671,787
Net Assets $9,231,067
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (President/Ceo) $109,999 $0 $468
Denise Sauld (Vp Financial Services) $89,714 $0 $971
Tammy Young (Vp Operations) $78,688 $0 $264
Kerry Grippen (Chairperson) $3,000 $0 $0
Scott Pancheri (Vice Chairperson) $2,400 $0 $0
Dan Decker (Treasurer) $2,400 $0 $0
Mary Ellen Welcher (Secretary) $2,400 $0 $0
Ralph Dumke (Director) $0 $0 $0
Teresa Clement (Director) $0 $0 $0
Angela Moreau (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 3, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,839,327
Expenses
$3,629,908
Net Income
$209,419
Net Assets
$9,248,225
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,535,551
92.1%
Investment Income $309,221
8.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$5,445
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $288,220
7.9%
Professional Fundraising Fees $0
Other Salaries and Wages $902,024
24.8%
Assets/Debt
Total Assets $84,858,024
Total Liabilities $75,609,799
Net Assets $9,248,225
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (President/Ceo) $109,316 $0 $2,466
Denise Sauld (Vp Financial Services) $89,715 $0 $4,002
Tammy Young (Vp Operations) $78,989 $0 $2,267
Kerry Grippen (Chairperson) $3,000 $0 $0
Scott Pancheri (Vice Chairperson) $2,400 $0 $0
Dan Decker (Treasurer) $2,400 $0 $0
Mary Ellen Welcher (Secretary) $2,400 $0 $0
Kimberly Schuster (Director) $0 $0 $0
Ralph Dumke (Director) $0 $0 $0
Teresa West (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 6, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,203,192
Expenses
$3,908,943
Net Income
$294,249
Net Assets
$9,028,588
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,767,335
89.6%
Investment Income $466,801
11.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$30,944
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $265,425
6.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,005,193
25.7%
Assets/Debt
Total Assets $74,579,111
Total Liabilities $65,550,523
Net Assets $9,028,588
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (President/Ceo) $100,324 $0 $395
Denise Sauld (Vp Financial Services) $83,329 $0 $3,537
Tammy Young (Vp Operations) $71,572 $0 $204
Kerry Grippen (Chairperson) $3,000 $0 $0
Scott Pancheri (Vice Chairperson) $2,400 $0 $0
Dan Decker (Treasurer) $2,400 $0 $0
Mary Ellen Welcher (Secretary) $2,400 $0 $0
Kimberly Schuster (Director) $0 $0 $0
Ralph Dumke (Director) $0 $0 $0
Teresa Clement (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on July 14, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,042,835
Expenses
$3,836,481
Net Income
$206,354
Net Assets
$8,734,336
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,736,741
92.4%
Investment Income $329,764
8.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$23,670
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $265,524
6.9%
Professional Fundraising Fees $0
Other Salaries and Wages $975,998
25.4%
Assets/Debt
Total Assets $71,691,933
Total Liabilities $62,957,597
Net Assets $8,734,336
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (President/Ceo) $101,372 $0 $404
Denise Sauld (Vp Financial Services) $82,598 $0 $3,508
Tammy Young (Vp Operations) $72,154 $0 $138
Kerry Grippen (Chairperson) $3,000 $0 $0
Scott Pancheri (Vice Chairperson) $2,400 $0 $0
Dan Decker (Treasurer) $2,400 $0 $0
Charles Aichner (Vice Chairperson Deceased) $1,200 $0 $0
Mary Ellen Welcher (Secretary) $400 $0 $0
Kimberly Schuster (Director) $0 $0 $0
Ralph Dumke (Director) $0 $0 $0
Teresa West (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on May 13, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,750,225
Expenses
$3,628,950
Net Income
$121,275
Net Assets
$8,527,985
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,535,821
94.3%
Investment Income $214,404
5.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $252,297
7.0%
Professional Fundraising Fees $0
Other Salaries and Wages $915,311
25.2%
Assets/Debt
Total Assets $71,416,726
Total Liabilities $62,888,741
Net Assets $8,527,985
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (President/Ceo) $93,173 $0 $222
Denise Sauld (Vp Financial Services) $83,137 $0 $3,514
Tammy Young (Vp Operations) $66,987 $0 $110
Kerry Grippen (Chairperson) $3,000 $0 $0
Scott Pancheri (Treasurer) $2,400 $0 $0
Dan Decker (Secretary) $2,400 $0 $0
Charles Aichner (Vice Chairperson) $1,200 $0 $0
Robert Gannon (Director) $0 $0 $0
Mary Ellen Welcher (Director) $0 $0 $0
Teresa West (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on May 11, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,601,895
Expenses
$3,477,783
Net Income
$124,112
Net Assets
$8,406,711
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,467,277
96.3%
Investment Income $145,311
4.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$10,693
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $258,671
7.4%
Professional Fundraising Fees $0
Other Salaries and Wages $830,712
23.9%
Assets/Debt
Total Assets $72,720,249
Total Liabilities $64,313,538
Net Assets $8,406,711
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (President/Ceo) $93,192 $0 $4,649
Denise Sauld (Vp Financial Services) $83,147 $0 $3,514
Tammy Young (Vp Operations) $64,474 $0 $94
Kerry Grippen (Chairperson) $3,000 $0 $0
Scott Pancheri (Treasurer) $2,400 $0 $0
Dan Decker (Secretary) $2,400 $0 $0
Charles Airchner (Vice Chairperson) $1,200 $0 $0
Craig Paulson (Secretary) $600 $0 $0
Robert Gannon (Director) $0 $0 $0
Mary Ellen Welcher (Director) $0 $0 $0
Teresa West (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on June 13, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,616,978
Expenses
$3,444,577
Net Income
$172,401
Net Assets
$8,282,602
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,517,866
97.3%
Investment Income $83,456
2.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $15,656
0.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $249,235
7.2%
Professional Fundraising Fees $0
Other Salaries and Wages $821,020
23.8%
Assets/Debt
Total Assets $69,365,086
Total Liabilities $61,082,484
Net Assets $8,282,602
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (President/Ceo) $89,944 $0 $11,888
Denise Sauld (Vp Financial Services) $81,942 $0 $3,662
Tammy Young (Vp Operations) $67,149 $0 $8,064
Kerry Grippen (Chairperson) $3,000 $0 $0
Craig Paulson (Secretary) $2,400 $0 $0
Scott Pancheri (Treasurer) $2,400 $0 $0
Charles Airchner (Vice Chairperson) $1,200 $0 $0
Dan Decker (Director) $1,200 $0 $0
Robert Gannon (Director) $0 $0 $0
Mary Ellen Welcher (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on May 13, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML
PDF (2 of 2)

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,900,165
Expenses
$3,799,465
Net Income
$100,700
Net Assets
$8,110,203
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,849,414
98.7%
Investment Income $39,105
1.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $11,646
0.3%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $228,976
6.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,268,516
33.4%
Assets/Debt
Total Assets $67,523,435
Total Liabilities $59,413,232
Net Assets $8,110,203
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (President/Ceo) $82,709 $0 $16,559
Denise Sauld (Vp Financial Services) $75,504 $0 $6,140
Tammy Young (Vp Operations) $60,563 $0 $6,286
Kerry Grippen (Chirman) $3,000 $0 $0
Craig Paulson (Secretary) $2,400 $0 $0
Scott Pancheri (Treasurer) $2,400 $0 $0
Charles Airchner (Vice Chirman) $1,200 $0 $0
Dan Decker (Director) $1,200 $0 $0
Robert Gannon (Director) $0 $0 $0
Steven Eakley (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on May 14, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,175,901
Expenses
$4,022,220
Net Income
$153,681
Net Assets
$8,009,503
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,149,554
99.4%
Investment Income $31,869
0.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$5,522
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $270,519
6.7%
Professional Fundraising Fees $0
Other Salaries and Wages $915,216
22.8%
Assets/Debt
Total Assets $67,758,491
Total Liabilities $59,748,988
Net Assets $8,009,503
Compensation
Key Employees and Officers Compensation Related Other
Robert Langsford (Ceo) $88,447 $0 $15,622
Denise Sauld (Vp Financial Services) $77,129 $0 $5,946
Tammy Young (Vp Operations) $63,072 $0 $10,104
Kerry Grippen (Chairman) $3,000 $0 $0
Craig Paulson (Secretary) $2,400 $0 $0
Scott Pancheri (Treasurer) $2,400 $0 $0
Dan Decker (Director) $1,200 $0 $0
Charles Aichner (Vice Chairman) $1,200 $0 $0
Steven Eakley (Director) $0 $0 $0
Robert Gannon (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 12, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,402,231
Expenses
$4,256,130
Net Income
$146,101
Net Assets
$7,855,822
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,397,046
99.9%
Investment Income $23,220
0.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$18,035
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,173,936
27.6%
Assets/Debt
Total Assets $71,406,926
Total Liabilities $63,551,104
Net Assets $7,855,822

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,139,156
Expenses
$3,951,381
Net Income
$187,775
Net Assets
$7,692,363
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,128,039
99.7%
Investment Income $21,312
0.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$10,195
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $252,669
6.4%
Professional Fundraising Fees $0
Other Salaries and Wages $935,327
23.7%
Assets/Debt
Total Assets $70,118,946
Total Liabilities $62,426,583
Net Assets $7,692,363

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated