Civic Intelligence

Affiliated Credit Associations Inc

EIN 22-3779753 • 501(c)6 • New Berlin, WI

Profile

Serve business credit member organizations

15755 W Rogers Dr Ste 200New Berlin, WI 53151-0157
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

5th percentile

-136%

Higher net margin than 5% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

80th percentile

$0

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

38th percentile

-7.7%

Faster asset growth than 38% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2025

Revenue Growth

28th percentile

-13%

Faster revenue growth than 28% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$21,965

Down $3,817 (-15%) from 2023

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

$21,965

No earlier filing loaded for comparison.

Operations
Liabilities / RevenueScore unavailableNet Margin5th percentile

Revenue

Down

$1,800

Down $600 (-25%) from 2023

Expenses

Up

$4,251

Up $101 (+2.4%) from 2023

Net Income

Down

-$2,451

Down $701 (-40%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth38th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40K$30K$20K$10K$0Assets 2010: $21,209Liabilities 2010: $2,0002010Assets 2011: $23,048Liabilities 2011: $1,8352011Assets 2012: $24,516Liabilities 2012: $1,5852012Assets 2013: $26,885Liabilities 2013: $1,9752013Assets 2014: $28,709Liabilities 2014: $5002014Assets 2015: $30,562Liabilities 2015: $5002015Assets 2016: $32,566Liabilities 2016: $6772016Assets 2017: $34,393Liabilities 2017: $6782017Assets 2018: $36,129Liabilities 2018: $6782018Assets 2019: $31,648Liabilities 2019: $6782019Assets 2020: $29,665Liabilities 2020: $02020Assets 2021: $29,632Liabilities 2021: $0Net Assets 2021: $29,6322021Assets 2022: $27,532Net Assets 2022: $27,5322022Assets 2023: $25,782Liabilities 2023: $02023Assets 2025: $21,965Net Assets 2025: $21,9652025

Highlighted filing

2025

Assets$21,965
Liabilities-
Net Assets$21,965
Open 2025 Filing

Operations Trend

Revenue Growth28th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15K$10K$5.0K$0-$5.0KRevenue 2010: $11,004Expenses 2010: $9,350Net Income 2010: $1,6542010Revenue 2011: $11,004Expenses 2011: $9,000Net Income 2011: $2,0042011Revenue 2012: $11,004Expenses 2012: $9,286Net Income 2012: $1,7182012Revenue 2013: $11,004Expenses 2013: $9,025Net Income 2013: $1,9792013Revenue 2014: $12,004Expenses 2014: $8,705Net Income 2014: $3,2992014Revenue 2015: $11,003Expenses 2015: $9,150Net Income 2015: $1,8532015Revenue 2016: $11,004Expenses 2016: $9,177Net Income 2016: $1,8272016Revenue 2017: $11,004Expenses 2017: $9,177Net Income 2017: $1,8272017Revenue 2018: $9,736Expenses 2018: $8,000Net Income 2018: $1,7362018Revenue 2019: $7,200Expenses 2019: $11,681Net Income 2019: -$4,4812019Revenue 2020: $3,300Expenses 2020: $4,605Net Income 2020: -$1,3052020Revenue 2021: $4,800Expenses 2021: $4,833Net Income 2021: -$332021Revenue 2022: $2,700Expenses 2022: $4,800Net Income 2022: -$2,1002022Revenue 2023: $2,400Expenses 2023: $4,150Net Income 2023: -$1,7502023Revenue 2025: $1,800Expenses 2025: $4,251Net Income 2025: -$2,4512025

Highlighted filing

2025

Revenue$1,800
Expenses$4,251
Net Income-$2,451
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,965
Liabilities
-
Net assets
$21,965
Revenue
$1,800
Expenses
$4,251
Net income
-$2,451
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$22.0$22.0$1.80$4.25$2.45
2023Summary only. Only limited summary data is available for this year.$25.8$0.00$2.40$4.15$1.75
2022Detailed filing. Detailed filing data is available for this year.$27.5$27.5$2.70$4.80$2.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.6$0.00$29.6$4.80$4.83$0.03
2020Summary only. Only limited summary data is available for this year.$29.7$0.00$3.30$4.61$1.31
2019Summary only. Only limited summary data is available for this year.$31.6$0.68$7.20$11.7$4.48
2018Summary only. Only limited summary data is available for this year.$36.1$0.68$9.74$8.00$1.74
2017Summary only. Only limited summary data is available for this year.$34.4$0.68$11.0$9.18$1.83
2016Summary only. Only limited summary data is available for this year.$32.6$0.68$11.0$9.18$1.83
2015Summary only. Only limited summary data is available for this year.$30.6$0.50$11.0$9.15$1.85
2014Summary only. Only limited summary data is available for this year.$28.7$0.50$12.0$8.71$3.30
2013Summary only. Only limited summary data is available for this year.$26.9$1.98$11.0$9.03$1.98
2012Summary only. Only limited summary data is available for this year.$24.5$1.59$11.0$9.29$1.72
2011Summary only. Only limited summary data is available for this year.$23.0$1.84$11.0$9.00$2.00
2010Summary only. Only limited summary data is available for this year.$21.2$2.00$11.0$9.35$1.65
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 2, 2026
Return Version
2025v4.0
Gross Receipts
$1,800
Mission and Program Overview

Mission

Business trade association

Serve business credit member organizations

Program Services

DescriptionGrantsExpenses
N A$0$0
N A$0$0
N A$0$0
none$0$0
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Wayne CrosbyChairman-$0--
Filing and Contact Details

Filer

Filer Name
Affiliated Credit Associations Inc
EIN
22-3779753
Address
15755 W ROGERS DR STE 200, NEW BERLIN, WI 53151-0157

Signing Officer

Name
Darryl Rowinski
Title
Accountant
Phone
2628272880
Signed
2026-02-02
Supplemental Narrative

Additional Explanations

Part I, line 16

“| Other Expenses:, Amount:| Tax preparation and online tax reporting fees, $339|”

Part II, line 24

“| Explanation:, BOYAmount:, EOYAmount:| Accounts Receivable, $0, $900|”

Raw XML Appendix110 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BenefitsPaidToOrForMembersAmt03600
IRS990EZ/BooksInCareOfDetail/PersonNm0DM Rowinski
IRS990EZ/BooksInCareOfDetail/PhoneNum02628272880
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt015755 W ROGERS DR STE 200
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine2Txt0PO BOX 510157
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0NEW BERLIN
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd0531510157
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt024416
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt021065
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-2451
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt00
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt024416
IRS990EZ/Form990TotalAssetsGrp/EOYAmt021965
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt01800
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt01800
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt024416
IRS990EZ/NetAssetsOrFundBalancesEOYAmt021965
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt024416
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt021965
IRS990EZ/OccupancyRentUtltsAndMaintAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Wayne Crosby
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Chairman
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0900
IRS990EZ/OtherExpensesTotalAmt0339
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Serve business credit member organizations
IRS990EZ/PrintingPublicationsPostageAmt0312
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0N A
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1N A
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2N A
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt3none
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt10
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt20
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt30
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt10
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt20
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt30
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt00
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt04251
IRS990EZ/TotalRevenueAmt01800
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0| Other Expenses:, Amount:| Tax preparation and online tax reporting fees, $339|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1| Explanation:, BOYAmount:, EOYAmount:| Accounts Receivable, $0, $900|
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part II, line 24
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Darryl Rowinski
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Accountant
ReturnHeader/BusinessOfficerGrp/PhoneNum02628272880
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AFFILIATED CREDIT ASSOCIATIONS INC
ReturnHeader/Filer/BusinessNameControlTxt0AFFI
ReturnHeader/Filer/EIN0223779753
ReturnHeader/Filer/ForeignPhoneNum02628272880
ReturnHeader/Filer/USAddress/AddressLine1Txt015755 W ROGERS DR STE 200
ReturnHeader/Filer/USAddress/CityNm0NEW BERLIN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd0531510157
ReturnHeader/ReturnTs02026-01-30T16:04:42-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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