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NORTHWOODS COMMUNITY CREDIT UNION

EIN 39-1020766 PARK FALLS, WI

Browse the largest nonprofits in Wisconsin

Revenue 2025
$5,209,642
Expenses 2025
$4,626,224

Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Street
PO BOX 369

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2025

Mission

PROVIDING FINANCIAL SECURITY AND OUTSTANDING SERVICE FOR OUR MEMBERS.

  • THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 1,217 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 8,024 MEMBERS.

  • THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 656 LOANS DURING 2025. AS OF 12/31/25 WE HAD 4,196 LOANS RECEIVABLE.

As filed on the 2025 return.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Sally Zoesch

    PRESIDENT/CE

    Total calculated
    $187,380
    From this org
    $127,742
    From related orgs
    $0
    Other
    $59,638
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $125,259
    Bonus
    $1,150
    Other
    $1,333
    Deferred
    $5,056
    Nontaxable benefits
    $54,582
    Filer's total
    $187,380
  • Teresa Gehrman

    EXEC VICE PR

    Total calculated
    $165,957
    From this org
    $109,712
    From related orgs
    $0
    Other
    $56,245
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $108,020
    Bonus
    $1,150
    Other
    $542
    Deferred
    $4,373
    Nontaxable benefits
    $51,872
    Filer's total
    $165,957
  • Mirand Wachowski

    VICE PRESIDE

    Total calculated
    $80,625
    From this org
    $75,344
    From related orgs
    $0
    Other
    $5,281
    Hours/week
    40
  • Roger Strand

    CHAIR - PART

    Total calculated
    $0
    Hours/week
    1
  • Chris Simon

    CHAIR - PART

    Total calculated
    $0
    Hours/week
    1
  • Joan Cooley

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Darla Isham

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Margaret Morgan

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Brandon Bay

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Katie Weinberger

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Lorene Becker

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2025
    Revenue
    $5,209,642
    Expenses
    $4,626,224
    Contributions
    $0
    Grants paid
    $4,183
  • 2024
    Revenue
    $4,804,133
    Expenses
    $4,156,388
    Contributions
    $0
    Grants paid
    $3,148
  • 2023
    Revenue
    $4,093,383
    Expenses
    $3,667,874
    Contributions
    $15,000
    Grants paid
    $7,089
  • 2022
    Revenue
    $3,391,900
    Expenses
    $3,030,402
    Contributions
    $0
    Grants paid
    $3,610

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $3,125,916
    Expenses
    $3,119,750
    Assets (EOY)
    $95,524,504
  • 2020 · 990

    Revenue
    $3,201,489
    Expenses
    $3,188,114
    Assets (EOY)
    $87,936,269
  • 2019 · 990

    Revenue
    $3,361,861
    Expenses
    $3,167,302
    Assets (EOY)
    $75,217,715
  • 2018 · 990

    Revenue
    $3,155,250
    Expenses
    $2,985,817
    Assets (EOY)
    $70,720,451
  • 2017 · 990

    Revenue
    $2,773,569
    Expenses
    $2,396,066
    Assets (EOY)
    $70,633,934
  • 2016 · 990

    Revenue
    $2,630,536
    Expenses
    $3,146,464
    Assets (EOY)
    $71,900,792
  • 2015 · 990

    Revenue
    $2,771,112
    Expenses
    $3,059,172
    Assets (EOY)
    $74,086,231
  • 2014 · 990

    Revenue
    $2,825,547
    Expenses
    $2,973,583
    Assets (EOY)
    $78,002,236
  • 2013 · 990

    Revenue
    $2,909,534
    Expenses
    $3,617,909
    Assets (EOY)
    $77,641,727
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $3,079,030
    Assets (EOY)
    $77,698,231

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.