Capital Credit Union
Nonprofit profile at a glance
- EIN
- 390394240
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Green Bay, WI, US
- Phone
- 920.494.2828
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $162,815,780
- Expenses
- $141,862,610
- Assets
- $2,583,325,331
- Liabilities
- $2,284,942,076
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
23 people listed
Executive titles in this filing
- LAURIE BUTZ (PRESIDENT/CEO)
Highest reported compensation
- LAURIE BUTZ (PRESIDENT/CEO): $641,605 total reported compensation
- LISA HUGUET (CFO): $308,578 total reported compensation
- DAVID ENGLEBERT (CHIEF COMMERCIAL OFFICER): $259,497 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To inspire financial well-being for all through access, care and collaboration.
What it reported doing in 2024
Capital donated and or sponsored more than $617,000 to various local charities throughout the year. Capital continues to support local nonprofit organizations, civic organizations, and many community events.
Operating model
- Revenue model
- Other-operating. 83% of the money available for current operations came from other operating revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 82
- Accountability: 91
- Sustainability: 73
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 83.3%; rating input score 83; 0th percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Pass
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 97.3%; rating input score 97; 32nd percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
- Governance controls: 7 of 9 controls in place; rating input score 78
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Fail
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 12.9%; rating input score 79; 79th percentile among comparable filings
- Total-asset coverage ratio: 18.21; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.88; rating input score 14; 14th percentile among comparable filings
- Officer compensation ratio: 2.3%; rating input score 50; 50th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 15% per year; rating input score 100; 89th percentile among comparable filings
- Asset growth: 12.4% per year; rating input score 100; 80th percentile among comparable filings
Details
- What they do: 5 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 9 of 9 board members independent · 7 of 9 filing controls reported
- Programs: 3 filed program accomplishments
- Leadership: top reported pay $642K · 23 people listed · 4 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $15.2M reported
- Consistency: 12 of 14 current checks pass · 2 findings to review
- Schedules: 6 filed schedules · includes grants and executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 62 filed money-flow records
- Related organizations: 41 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Accountability: Governance controls: 2 of 9 not reported.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Review — Transparency & Controls: Schedule R controlled transactions itemized did not reconcile in the filed values.
- High — Sustainability: Liabilities to assets ratio scored 14/100.
- Review — Sustainability: Officer compensation ratio scored 50/100.