401k Plan data: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST plan

WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 401k Plan overview

Plan Name	WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST
Plan identification number	002

WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

WESTBY (WCCU) CO-OP CREDIT UNION has sponsored the creation of one or more 401k plans.

Company Name: WESTBY (WCCU) CO-OP CREDIT UNION

Employer identification number (EIN): 390966273

NAIC Classification: 522130
NAIC Description: Credit Unions

Form 5500 Filing Information

Submission information for form 5500 for 401k plan WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2017-01-01 MARLENE K OLSON
002 2016-01-01 MARLENE K OLSON
002 2015-01-01 MARLENE K OLSON
002 2014-01-01 MARLENE K OLSON
002 2013-01-01 MARLENE K OLSON
002 2012-01-01 MARLENE K OLSON 2014-04-15
002 2011-01-01 MARLENE K OLSON 2012-07-23 MARLENE K OLSON 2012-07-23
002 2010-01-01 MARLENE OLSON 2011-08-15 MARLENE OLSON 2011-08-15

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
002	2017-01-01	MARLENE K OLSON
002	2016-01-01	MARLENE K OLSON
002	2015-01-01	MARLENE K OLSON
002	2014-01-01	MARLENE K OLSON
002	2013-01-01	MARLENE K OLSON
002	2012-01-01	MARLENE K OLSON	2014-04-15
002	2011-01-01	MARLENE K OLSON	2012-07-23	MARLENE K OLSON	2012-07-23
002	2010-01-01	MARLENE OLSON	2011-08-15	MARLENE OLSON	2011-08-15

Plan Statistics for WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST

401k plan membership statisitcs for WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST

Measure Date Value
2017: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2017 401k membership
Total participants, beginning-of-year 2017-01-01 186
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 0
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 0
Total of all active and inactive participants 2017-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 0
Number of participants with account balances 2017-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 7
2016: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2016 401k membership
Total participants, beginning-of-year 2016-01-01 182
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 162
Number of retired or separated participants receiving benefits 2016-01-01 4
Number of other retired or separated participants entitled to future benefits 2016-01-01 14
Total of all active and inactive participants 2016-01-01 180
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 180
Number of participants with account balances 2016-01-01 176
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 11
2015: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year 2015-01-01 168
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 158
Number of retired or separated participants receiving benefits 2015-01-01 7
Number of other retired or separated participants entitled to future benefits 2015-01-01 16
Total of all active and inactive participants 2015-01-01 181
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 181
Number of participants with account balances 2015-01-01 179
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 4
2014: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year 2014-01-01 146
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 147
Number of retired or separated participants receiving benefits 2014-01-01 1
Number of other retired or separated participants entitled to future benefits 2014-01-01 18
Total of all active and inactive participants 2014-01-01 166
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 166
Number of participants with account balances 2014-01-01 163
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 12
2013: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year 2013-01-01 138
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 131
Number of retired or separated participants receiving benefits 2013-01-01 1
Number of other retired or separated participants entitled to future benefits 2013-01-01 8
Total of all active and inactive participants 2013-01-01 140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 140
Number of participants with account balances 2013-01-01 138
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 7

Measure	Date	Value
2017: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2017 401k membership
Total participants, beginning-of-year	2017-01-01	186
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	0
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	0
Total of all active and inactive participants	2017-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	0
Number of participants with account balances	2017-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	7
2016: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2016 401k membership
Total participants, beginning-of-year	2016-01-01	182
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	162
Number of retired or separated participants receiving benefits	2016-01-01	4
Number of other retired or separated participants entitled to future benefits	2016-01-01	14
Total of all active and inactive participants	2016-01-01	180
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	180
Number of participants with account balances	2016-01-01	176
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	11
2015: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year	2015-01-01	168
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	158
Number of retired or separated participants receiving benefits	2015-01-01	7
Number of other retired or separated participants entitled to future benefits	2015-01-01	16
Total of all active and inactive participants	2015-01-01	181
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	181
Number of participants with account balances	2015-01-01	179
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	4
2014: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year	2014-01-01	146
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	147
Number of retired or separated participants receiving benefits	2014-01-01	1
Number of other retired or separated participants entitled to future benefits	2014-01-01	18
Total of all active and inactive participants	2014-01-01	166
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	166
Number of participants with account balances	2014-01-01	163
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	12
2013: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year	2013-01-01	138
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	131
Number of retired or separated participants receiving benefits	2013-01-01	1
Number of other retired or separated participants entitled to future benefits	2013-01-01	8
Total of all active and inactive participants	2013-01-01	140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	140
Number of participants with account balances	2013-01-01	138
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	7

Financial Data on WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST

Measure	Date	Value
2017 : WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total transfer of assets from this plan	2017-12-31	$10,364,168
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$2,199,664
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$276,818
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$227,084
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$958,937
Value of total assets at end of year	2017-12-31	$0
Value of total assets at beginning of year	2017-12-31	$8,441,322
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$49,734
Total interest from all sources	2017-12-31	$23,803
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$79,813
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$79,813
Administrative expenses professional fees incurred	2017-12-31	$49,734
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$409,286
Participant contributions at end of year	2017-12-31	$0
Participant contributions at beginning of year	2017-12-31	$95,966
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$63,293
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$1,922,846
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$8,441,322
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$7,128,901
Interest on participant loans	2017-12-31	$5,168
Interest earned on other investments	2017-12-31	$18,635
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-12-31	$1,216,455
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$690,776
Net investment gain or loss from common/collective trusts	2017-12-31	$446,335
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$486,358
Income. Dividends from preferred stock	2017-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$227,084
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2017-12-31	Yes
Did the plan have assets held for investment	2017-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	WIPFLI LLP
Accountancy firm EIN	2017-12-31	390758449
2016 : WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$1,435,573
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$299,900
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$298,091
Value of total corrective distributions	2016-12-31	$15
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$890,570
Value of total assets at end of year	2016-12-31	$8,441,322
Value of total assets at beginning of year	2016-12-31	$7,305,649
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$1,794
Total interest from all sources	2016-12-31	$3,309
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$36,295
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$36,295
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$373,561
Participant contributions at end of year	2016-12-31	$95,966
Participant contributions at beginning of year	2016-12-31	$55,776
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$72,793
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$1,135,673
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$8,441,322
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$7,305,649
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$7,128,901
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$6,053,420
Interest on participant loans	2016-12-31	$3,309
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$1,216,455
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$1,196,453
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$505,399
Net investment gain or loss from common/collective trusts	2016-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$444,216
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$298,091
Contract administrator fees	2016-12-31	$1,794
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	WIPFLI LLP
Accountancy firm EIN	2016-12-31	390758449
2015 : WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$832,628
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$280,245
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$279,244
Value of total corrective distributions	2015-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$876,888
Value of total assets at end of year	2015-12-31	$7,305,649
Value of total assets at beginning of year	2015-12-31	$6,753,266
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$1,001
Total interest from all sources	2015-12-31	$40,259
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$0
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$339,361
Participant contributions at end of year	2015-12-31	$55,776
Participant contributions at beginning of year	2015-12-31	$36,495
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$146,542
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$552,383
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$7,305,649
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$6,753,266
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$6,053,420
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$5,519,517
Interest on participant loans	2015-12-31	$2,963
Interest earned on other investments	2015-12-31	$37,296
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$1,196,453
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$1,197,254
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-84,519
Net investment gain or loss from common/collective trusts	2015-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$390,985
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$279,244
Contract administrator fees	2015-12-31	$1,001
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	WIPFLI LLP
Accountancy firm EIN	2015-12-31	390758449
2014 : WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$1,027,037
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$54,568
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$54,193
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$636,420
Value of total assets at end of year	2014-12-31	$6,753,266
Value of total assets at beginning of year	2014-12-31	$5,780,797
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$375
Total interest from all sources	2014-12-31	$38,117
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$266,519
Participant contributions at end of year	2014-12-31	$36,495
Participant contributions at beginning of year	2014-12-31	$37,740
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$18,762
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$972,469
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$6,753,266
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$5,780,797
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$5,519,517
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$4,582,566
Interest on participant loans	2014-12-31	$2,630
Interest earned on other investments	2014-12-31	$35,487
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$1,197,254
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$1,160,491
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$352,500
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$351,139
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$54,193
Contract administrator fees	2014-12-31	$375
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	WIPFLI LLP
Accountancy firm EIN	2014-12-31	390758449
2013 : WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$1,366,135
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$317,910
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$317,035
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$629,361
Value of total assets at end of year	2013-12-31	$5,780,797
Value of total assets at beginning of year	2013-12-31	$4,732,572
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$875
Total interest from all sources	2013-12-31	$38,801
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$253,725
Participant contributions at end of year	2013-12-31	$37,740
Participant contributions at beginning of year	2013-12-31	$39,342
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$39,002
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$1,048,225
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$5,780,797
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$4,732,572
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$4,582,566
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$3,407,244
Interest on participant loans	2013-12-31	$2,783
Interest earned on other investments	2013-12-31	$36,018
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$1,160,491
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$1,285,986
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$697,973
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$336,634
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$317,035
Contract administrator fees	2013-12-31	$875
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	WIPFLI LLP
Accountancy firm EIN	2013-12-31	390758449

Form 5500 Responses for WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST

2017: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	Yes
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: WESTBY CO-OP CREDIT UNION 401(K)/PROFIT SHARING PLAN AND TRUST 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes

Insurance Providers Used on plan

CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )
Policy contract number	048-0346-5
Policy instance	1
CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )
Policy contract number	048-0346-5
Policy instance	1
CMFG LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66419 )
Policy contract number	20187
Policy instance	1
CMFG LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66419 )
Policy contract number	20187
Policy instance	1

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Company Name:	WESTBY (WCCU) CO-OP CREDIT UNION
Employer identification number (EIN):	390966273
NAIC Classification:	522130
NAIC Description:	Credit Unions