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Western Cooperative Credit Union

Organization summary

Type of Nonprofit

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

Donations to this organization are not tax deductible.

Details

According to its Dec. 2023 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$20.7M (2023)

Expenses
$14.6M (2023)

Total Assets
$442M (2023)

Total Liabilities
$402M (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
$20,687,023
Expenses
$14,639,929
Net Income
$6,047,094
Net Assets
$40,004,490
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,695,430
75.9%
Investment Income $4,909,993
23.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $12,000
0.1%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $613,867
4.2%
Professional Fundraising Fees $0
Other Salaries and Wages $5,272,012
36.0%
Assets/Debt
Total Assets $441,740,431
Total Liabilities $401,735,941
Net Assets $40,004,490
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $416,175 $0 $48,074
Justin Maddison (Chief Financial Officer) $224,992 $0 $46,988
Scott Schwindt (Cheif Operations Officer) $146,476 $0 $16,788
Nickolas Dressler (Ag/Business Loan Manager) $132,898 $0 $33,888
Jason Delorme (Consumer/Mortgage Loan Man) $114,628 $0 $25,234
Shailoh Kovash (Reginal Vice President/It) $110,354 $0 $8,382
Shawn Romo (Senior Ag Officer) $107,500 $0 $16,402
Larry Novak (Chairman) $5,600 $0 $0
Gina Karsky (Secretary Treasurer) $5,600 $0 $0
Larry Schilke (Vice Chairman) $5,600 $0 $0
Heather Feiring (Director) $5,600 $0 $0
Lee Murphy (Director) $5,600 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$16,661,044
Expenses
$12,892,014
Net Income
$3,769,030
Net Assets
$30,808,792
Notable Sources of Revenue Percent of Total Revenue
Contributions $490,000
2.9%
Program Services $12,630,429
75.8%
Investment Income $3,459,015
20.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $12,000
0.1%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $608,973
4.7%
Professional Fundraising Fees $0
Other Salaries and Wages $5,234,267
40.6%
Assets/Debt
Total Assets $446,507,146
Total Liabilities $415,698,354
Net Assets $30,808,792
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $398,397 $0 $52,183
Justin Maddison (Chief Financial Officer) $210,576 $0 $40,549
Scott Schwindt (Cheif Operations Officer) $137,347 $0 $14,424
Nickolas Dressler (Ag/Business Loan Manager) $126,057 $0 $28,444
Jason Delorme (Consumer/Mortgage Loan Manager) $104,381 $0 $34,080
Shailoh Kovash (Reginal Vice President/It) $103,084 $0 $6,035
Shawn Romo (Senior Ag Officer) $100,594 $0 $14,129
Larry Novak (Chairman) $5,200 $0 $0
Gina Karsky (Secretary Treasurer) $5,200 $0 $0
Larry Schilke (Vice Chairman) $5,200 $0 $0
Lee Murphy (Director) $5,200 $0 $0
Heather Feiring (Director) $4,800 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,078,425
Expenses
$12,678,794
Net Income
$1,399,631
Net Assets
$42,019,448
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,597,956
89.5%
Investment Income $1,398,869
9.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $12,000
0.1%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $636,323
5.0%
Professional Fundraising Fees $0
Other Salaries and Wages $4,930,286
38.9%
Assets/Debt
Total Assets $421,229,193
Total Liabilities $379,209,745
Net Assets $42,019,448
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $385,635 $0 $47,290
Justin Maddison (Chief Financial Officer) $250,688 $0 $37,856
Scott Schwindt (Cheif Operations Officer) $131,367 $0 $0
Nickolas Dressler (Ag/Business Loan Manager) $120,301 $0 $0
Barbara Daniels Webster (Consumer/Mortgage Loan Man) $112,685 $0 $0
Larry Novak (Chairman) $5,200 $0 $0
Gina Karsky (Secretary Treasurer) $5,200 $0 $0
Larry Schilke (Vice Chairman) $5,200 $0 $0
Lee Murphy (Director) $5,200 $0 $0
Heather Feiring (Director) $1,600 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,807,052
Expenses
$13,229,526
Net Income
$1,577,526
Net Assets
$42,309,712
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,025,722
88.0%
Investment Income $1,686,397
11.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $25,333
0.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $567,456
4.3%
Professional Fundraising Fees $0
Other Salaries and Wages $5,020,676
38.0%
Assets/Debt
Total Assets $385,602,569
Total Liabilities $343,292,857
Net Assets $42,309,712
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $374,905 $0 $47,213
Justin Maddison (Chief Financial Officer) $192,551 $0 $36,517
Scott Schwindt (Cheif Operations Officer) $126,691 $0 $11,882
Nickolas Dressler (Ag/Business Loan Manager) $115,683 $0 $27,094
Barbara Daniels Webster (Consumer/Mortgage Loan Manager) $111,001 $0 $37,785
Gina Karsky (Secretary Treasurer) $5,600 $0 $0
Larry Schilke (Director) $5,600 $0 $0
David Hauser (Vice Chairman) $5,400 $0 $0
Larry Novak (Chairman) $5,200 $0 $0
Dean Carlson (Director) $5,200 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,994,606
Expenses
$13,200,773
Net Income
$2,793,833
Net Assets
$39,042,126
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,293,879
83.1%
Investment Income $2,595,192
16.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $35,935
0.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $800,801
6.1%
Professional Fundraising Fees $0
Other Salaries and Wages $4,692,914
35.6%
Assets/Debt
Total Assets $358,802,224
Total Liabilities $319,760,098
Net Assets $39,042,126
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $534,205 $0 $1,790
Justin Maddison (Chief Financial Officer) $160,234 $0 $17,728
Scott Schwindt (Chief Operations Officer) $111,405 $0 $1,790
Nickolas Dressler (Ag/Business Loan Manager) $103,080 $0 $17,366
Barbara Daniels Webster (Consumer/Mortgage Loan Mana) $94,984 $0 $6,833
Larry Novak (Chairman) $5,600 $0 $0
David Hauser (Vice Chairman) $5,600 $0 $0
Gina Karsky (Secretary Treasurer) $5,600 $0 $0
Dean Carlson (Director) $5,600 $0 $0
Larry Schilke (Director) $5,600 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,713,233
Expenses
$12,532,931
Net Income
$2,180,302
Net Assets
$35,539,771
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,468,687
84.7%
Investment Income $2,139,609
14.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $35,337
0.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $579,158
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $4,725,417
37.7%
Assets/Debt
Total Assets $341,884,280
Total Liabilities $306,344,509
Net Assets $35,539,771
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $333,538 $0 $1,651
Justin Maddison (Chief Financial Officer) $140,723 $0 $18,600
Scott Schwindt (Chief Operations Officer) $116,246 $0 $18,600
Susan Brokaw (Chief Compliance Officer) $110,379 $0 $18,600
Barbara Daniels Webster (Consumer/Motgage Loan Manager) $107,607 $0 $7,169
Nickolas Dressler (Ag/Business Loan Manager) $107,281 $0 $16,964
Larry Novak (Chairman) $6,000 $0 $0
David Hauser (Vice Chairman) $6,000 $0 $0
Gina Karsky (Secretary) $6,000 $0 $0
Larry Schilke (Director) $6,000 $0 $0
Dean Carlson (Director) $6,000 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,495,962
Expenses
$11,658,422
Net Income
$1,837,540
Net Assets
$34,300,916
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,955,137
88.6%
Investment Income $1,451,655
10.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $19,570
0.1%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $595,584
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $4,539,700
38.9%
Assets/Debt
Total Assets $328,055,442
Total Liabilities $293,754,526
Net Assets $34,300,916
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $416,537 $0 $1,555
Justin Maddison (Cfo) $133,971 $0 $17,522
Scott Schwindt (Chief Operations Officer) $111,696 $0 $17,522
Susan Brokaw (Chief Compliance) $105,656 $0 $17,522
Richard Gafkjen (Ag. Loan Manager) $104,478 $0 $17,522
Barbara Daniels (Consumer/Mtg. Loan Manager) $103,855 $0 $6,754
Larry Novak (Chairman) $5,200 $0 $0
David Hauser (Vice Chairman) $5,200 $0 $0
Gina Karsky (Secretary) $5,200 $0 $0
Larry Schilke (Director) $5,200 $0 $0
Dean Carlson (Director) $5,200 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,857,868
Expenses
$11,299,293
Net Income
$1,558,575
Net Assets
$32,834,699
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,630,263
90.5%
Investment Income $1,134,445
8.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $23,560
0.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $473,674
4.2%
Professional Fundraising Fees $0
Other Salaries and Wages $4,363,364
38.6%
Assets/Debt
Total Assets $321,189,051
Total Liabilities $288,354,352
Net Assets $32,834,699
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $298,765 $0 $1,555
Justin Maddison (Cfo) $128,609 $0 $16,745
Scott Schwindt (Chief Operations Officer) $107,201 $0 $16,745
Richard Gafkjen (Ag. Loan Manager) $103,343 $0 $16,745
Susan Brokaw (Chief Compliance) $101,862 $0 $16,745
Barbara Daniels (Consumer/Mtg. Loan Manager) $100,200 $0 $6,455
Larry Novak (Chairman) $5,600 $0 $0
David Hauser (Vice Chairman) $5,600 $0 $0
Gina Karsky (Secretary) $5,600 $0 $0
Larry Schilke (Director) $5,600 $0 $0
Dean Carlson (Director) $5,600 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,233,970
Expenses
$11,136,499
Net Income
$2,097,471
Net Assets
$32,227,401
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,823,539
89.3%
Investment Income $1,297,261
9.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $43,570
0.3%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $447,665
4.0%
Professional Fundraising Fees $0
Other Salaries and Wages $4,419,967
39.7%
Assets/Debt
Total Assets $332,067,470
Total Liabilities $299,840,069
Net Assets $32,227,401
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $271,678 $0 $1,495
Justin Maddison (Cfo) $131,481 $0 $15,411
Scott Schwindt (Chief Operations Officer) $112,908 $0 $15,411
Susan Brokaw (Chief Compliance) $110,522 $0 $15,411
Barbara Daniels (Consumer/Mtg. Loan Manager) $109,074 $0 $5,938
Richard Gafkjen (Ag. Loan Manager) $108,231 $0 $15,411
Larry Novak (Chairman) $5,600 $0 $0
David Hauser (Vice Chairman) $5,600 $0 $0
Gina Karsky (Secretary) $5,600 $0 $0
Larry Schilke (Director) $5,600 $0 $0
Dean Carlson (Director) $5,200 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,229,821
Expenses
$10,349,531
Net Income
$2,880,290
Net Assets
$30,948,154
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,636,295
88.0%
Investment Income $1,481,316
11.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $42,610
0.3%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $400,737
3.9%
Professional Fundraising Fees $0
Other Salaries and Wages $4,131,676
39.9%
Assets/Debt
Total Assets $353,474,049
Total Liabilities $322,525,895
Net Assets $30,948,154
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $248,503 $0 $1,447
Justin Maddison (Cfo) $108,352 $0 $14,435
Scott Schwindt (Chief Operations Officer) $103,795 $0 $14,435
Susan Brokaw (Chief Compliance) $102,075 $0 $14,435
Barbara Daniels (Consumer/Mtg. Loan Manager) $101,078 $0 $5,562
Larry Novak (Chairman) $5,600 $0 $0
David Hauser (Vice Chairman) $5,600 $0 $0
Gina Karsky (Secretary) $5,600 $0 $0
Larry Schilke (Director) $5,600 $0 $0
Dean Carlson (Director) $5,600 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,221,797
Expenses
$10,920,486
Net Income
$2,301,311
Net Assets
$27,007,625
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,034,717
91.0%
Investment Income $1,080,659
8.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $36,821
0.3%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $69,600
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $344,271
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $3,925,927
36.0%
Assets/Debt
Total Assets $321,750,379
Total Liabilities $294,742,754
Net Assets $27,007,625
Compensation
Key Employees and Officers Compensation Related Other
Melanie Stillwell (Ceo/President) $207,586 $0 $1,266
Justin Maddison (Cfo) $91,475 $0 $13,826
Larry Novak (Chairman) $5,600 $0 $0
Gina Karsky (Secretary) $5,600 $0 $0
Larry Schilke (Director) $5,600 $0 $0
Dean Carlson (Director) $5,600 $0 $0
David Hauser (Vice Chairman) $5,200 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,441,884
Expenses
$9,316,274
Net Income
$4,125,610
Net Assets
$26,729,753
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,356,248
91.9%
Investment Income $996,665
7.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $88,971
0.7%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $305,323
3.3%
Professional Fundraising Fees $0
Other Salaries and Wages $3,455,667
37.1%
Assets/Debt
Total Assets $310,239,629
Total Liabilities $283,509,876
Net Assets $26,729,753

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,189,576
Expenses
$9,490,280
Net Income
$2,699,296
Net Assets
$22,837,152
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,286,725
92.6%
Investment Income $870,967
7.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $31,884
0.3%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $223,959
2.4%
Professional Fundraising Fees $0
Other Salaries and Wages $2,996,042
31.6%
Assets/Debt
Total Assets $283,149,209
Total Liabilities $260,312,057
Net Assets $22,837,152

Document Links

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

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

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

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

Fiscal Year Ending Dec.
2006

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

Fiscal Year Ending Dec.
2005

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

Fiscal Year Ending Dec.
2004

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

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.

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