Community First Credit Union
Nonprofit profile at a glance
- EIN
- 396264347
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Appleton, WI, United States
- Phone
- 920.830.7200
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $353,663,620
- Expenses
- $272,137,434
- Assets
- $6,370,358,954
- Liabilities
- $5,560,778,828
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
26 people listed
Executive titles in this filing
- CATHERINE TIERNEY (CEO/PRESIDENT / BOD - TREASURER)
Highest reported compensation
- CATHERINE TIERNEY (CEO/PRESIDENT / BOD - TREASURER): $1,679,002 total reported compensation
- JEFFREY GARRETT (CFFA PROGRAM MANAGER): $644,789 total reported compensation
- SCOTT STEINFORT (CHIEF TECHNOLOGY OFFICER): $562,944 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
People joining together to improve their financial well-being and to help one another is at the core of who we are. & Visionchevron arrow Our Mission To provide high quality competitive, financial products and services that anticipate and exceed our members' needs. To be the primary financial institution for our members. Our Mission To provide high quality competitive, financial products and services that anticipate and exceed our members' needs. Our Vision. Working together for the benefit of everyone. It’s that simple. In 1953, Maurice Dresang organized Outagamie County Credit Union to help county employees with financial needs. He served as volunteer manager/treasurer, a role he held for over two decades in addition to his full-time jobs. In subsequent years he was approached to manage two other area credit unions, so in...
What it reported doing in 2025
Provided financial services to 164,558 member owners in 2025. Funded 39,308 loans to these members in 2025 for $1,694,582,159.
Operating model
- Revenue model
- Earned-program. 75% of the money available for current operations came from fees and other program 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: 88
- Accountability: 86
- Sustainability: 75
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 66th percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 90.9%; rating input score 91; 20th 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: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 23.1%; rating input score 85; 85th percentile among comparable filings
- Total-asset coverage ratio: 23.41; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.87; rating input score 12; 12th percentile among comparable filings
- Officer compensation ratio: 2.7%; rating input score 49; 49th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 11.7% per year; rating input score 100; 79th percentile among comparable filings
- Asset growth: 10.1% per year; rating input score 100; 69th percentile among comparable filings
Details
- What they do: 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 10 of 11 board members independent · 7 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $1.7M · 26 people listed · 4 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $17M reported
- Consistency: 11 of 11 current checks pass
- Schedules: 5 filed schedules · includes executive pay
- Filing history: 15 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 16 filed money-flow records
- Related organizations: 1 filed related-organization link
- 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: Independent financial-statement audit not reported.
- High — Sustainability: Liabilities to assets ratio scored 12/100.
- Moderate — Sustainability: Officer compensation ratio scored 49/100.