Fort Community Credit Union

What it reported doing in 2025

Fccu is dedicated to giving back to the communities we serve through sponsorships, donations, education, and volunteering.in 2025, fccu gave $100,000 in capital campaign donations, $45,037 in sponsorships, and $10,000 in local scholarships to help members achieve their educational aspirations. Fccu team members volunteered 1,137 hours in 2025 supporting 148 local organizations. Fccu offers a variety of free community, school, and workplace resources and presentations about personal finance, cybersecurity, fraud, and more. In 2025, 735 students were reached with 66 hours spent by fccu team members in classrooms within the community. Fccu also provides banzai financial education to local school at no cost to the district, distributing 460 financial workbooks to local school in 2025. Since beginning the partnership with banzai ten years ago, fccu has paid for 9,940 students to use the banzai curriculum.fccu continued to partner with the Wisconsin credit union league to host several bite of reality events at local schools. Bite of reality is a hands-on app-based simulation that appeals to teens while giving them a taste of real-world financial realities. 2025 was the first year the event was hosted at both the fort atkinson middle school and high school. Fccu also hosted three common cents camp workshops for children in grades 2-12, ensuring that even the youngest learners have access to financial education basics. Fccu seeks out programs and opportunities to provide direct financial benefit to our members. In 2025, fccu distributed $450,000 to members through member loyalty cash, the patronage divided program. Fccu also participates in home buyer grant programs that can provide members with funds towards their down payment. In 2025, fccu members received $50,000 in down payment assistance.fccu demonstrates the credit union difference as a not-for-profit financial cooperative.

Financial Efficiency

• Mission deployment rate: Limited
• Program expense ratio: Limited
• Fundraising efficiency: Limited

Transparency & Controls

• Consistency checks: 88.9%; rating input score 89; 4th percentile among comparable filings
• Pay-setting controls: 3 of 6 controls in place; rating input score 50
  • Compensation committee: Pass
  • Independent consultant: Missing
  • 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: 78.5%; rating input score 78; 22nd percentile among comparable filings
• Major donor itemization: Limited
• Related-party transparency: Limited

Accountability

• Independent voting board: 100%; rating input score 100; 64th 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: 12.7%; rating input score 64; 64th percentile among comparable filings
• Total-asset coverage ratio: 20; rating input score 94; 94th percentile among comparable filings
• Liabilities to assets ratio: 0.88; rating input score 9; 9th percentile among comparable filings
• Officer compensation ratio: 6.2%; rating input score 48; 48th percentile among comparable filings

Growth

• Program expense growth: Limited
• Revenue growth: 7.2% per year; rating input score 100; 58th percentile among comparable filings
• Asset growth: 6.1% per year; rating input score 100; 43rd percentile among comparable filings