Northwoods Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2011 | 3,849,195 | 3,281,529 | 567,666 | 27.5 | 29% |
| 2012 | 3,934,809 | 3,795,956 | 138,853 | 24.1 | 27% |
| 2013 | 4,463,521 | 3,879,052 | 584,469 | 25.4 | 29% |
| 2014 | 4,986,803 | 4,292,878 | 693,925 | 24.9 | 29% |
| 2015 | 5,180,829 | 4,810,152 | 370,677 | 23.1 | 31% |
| 2016 | 5,592,333 | 5,488,597 | 103,736 | 20.5 | 34% |
| 2017 | 6,078,302 | 6,161,100 | −82,798 | 18.1 | 29% |
| 2018 | 7,268,555 | 7,022,691 | 245,864 | 20.3 | 36% |
| 2019 | 8,371,524 | 7,696,862 | 674,662 | 19.5 | 36% |
| 2020 | 6,129,710 | 7,858,493 | −1,728,783 | 16.5 | 34% |
| 2021 | 10,013,963 | 8,738,581 | 1,275,382 | 16.6 | 34% |
| 2022 | 11,374,020 | 9,715,764 | 1,658,256 | 16.5 | 35% |
| 2023 | 11,960,002 | 11,930,660 | 29,342 | 13.4 | 30% |
In its most recent public year (2023), this organization brought in $29,342 more than it spent. Its reserves stood at about 13.4 months of spending, down from 27.5 in 2011. Staff pay was 30% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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