Pcm Credit Union

Nonprofit profile at a glance

EIN
390974444
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Green Bay, WI, USA
Phone
9204992831
Rating confidence
Limited
Sector
Credit Unions

Official website

Reported finances

Revenue
$25,086,389
Expenses
$21,996,195
Assets
$500,951,291
Liabilities
$450,888,020

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

15 people listed

Executive titles in this filing

  • SHELLY MELLENBERGER (PRESIDENT)
  • SAMANTHA ISTED (VICE PRESIDENT OF FINANCE)
  • JOSEPH WOLLIN (VICE PRESIDENT OF LENDING)
  • CHRISTINA CONNELL (VICE PRESIDENT OF HUMAN RESOURCES)

Highest reported compensation

  • SHELLY MELLENBERGER (PRESIDENT): $360,917 total reported compensation
  • JOSEPH WOLLIN (VICE PRESIDENT OF LENDING): $193,936 total reported compensation
  • SAMANTHA ISTED (VICE PRESIDENT OF FINANCE): $183,911 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Pcm credit union is a strong financial cooperative that goes above and beyond providing member-owners benefits and advantages over other financial institutions.

What it reported doing in 2025

The credit union funded 3,079 loans totaling $115,617,141 during 2025. We had 2,510 mortgages/home equity lines, 5,290 consumer loans. We also had 4,867 credit cards accounts with our members at 12/31.

Operating model

Revenue model
Other-operating. 81% 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: 78
  • Accountability: 84
  • Sustainability: 65
  • Growth: 60

Detailed rating inputs

Financial Efficiency

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

Transparency & Controls

  • Consistency checks: 92.3%; rating input score 92; 10th 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: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 5 of 8 controls in place; rating input score 62
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 12.3%; rating input score 63; 63rd percentile among comparable filings
  • Total-asset coverage ratio: 22.77; rating input score 96; 96th percentile among comparable filings
  • Liabilities to assets ratio: 0.9; rating input score 7; 7th percentile among comparable filings
  • Officer compensation ratio: 5.7%; rating input score 52; 52nd percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 9.3% per year; rating input score 100; 70th percentile among comparable filings
  • Asset growth: 9.2% per year; rating input score 100; 63rd percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 6 of 6 board members independent · 5 of 8 filing controls reported
  • Programs: 2 filed program accomplishments
  • Leadership: top reported pay $361K · 15 people listed · 4 of 6 pay-setting controls reported
  • Highest-paid contractors: 2 contractors listed · $1.6M reported
  • Consistency: 10 of 10 current checks pass
  • Schedules: 4 filed schedules · includes executive pay
  • Filing history: 15 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 7 filed money-flow records
  • 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.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: 2 of 7 not reported.
  • High — Sustainability: Liabilities to assets ratio scored 7/100.
  • Review — Sustainability: Officer compensation ratio scored 52/100.