Civic Intelligence

Winnebago County Schools Credit Union

EIN 36-1696245 • 501(c)14

View Organization Page

Profile

To give members the ability to control their financial destiny by providing members with the means to satisfy their needs for financial services in a comfortable family-like environment. In doing so, the Credit Union strives to maintain long-term relationships with members while maintaining the financial stability of the Credit Union.

4563 Hydraulic Road61109

www.wcscu.org

Siviq Scores

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

Liabilities / Assets

97th percentile

0.94x

Higher debt load relative to assets than 97% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

95th percentile

34.81x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

8th percentile

-25%

Higher net margin than 8% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

17th percentile

-6.3%

Faster asset growth than 17% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$13,915,179

Down $937,794 (-6.3%) from 2012

Liabilities

Down

$13,029,772

Down $845,410 (-6.1%) from 2012

Net Assets

Down

$885,407

Down $92,384 (-9.4%) from 2012

Operations
Liabilities / Revenue95th percentileNet Margin8th percentile

Revenue

$374,258

No earlier filing loaded for comparison.

Expenses

Up

$466,642

Up $56,516 (+14%) from 2012

Net Income

-$92,384

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth17th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $14,527,275Liabilities 2010: $13,473,803Net Assets 2010: $1,053,4722010Assets 2011: $15,006,793Liabilities 2011: $14,018,677Net Assets 2011: $988,1162011Assets 2012: $14,852,973Liabilities 2012: $13,875,182Net Assets 2012: $977,7912012Assets 2013: $13,915,179Liabilities 2013: $13,029,772Net Assets 2013: $885,4072013

Highlighted filing

2013

Assets$13,915,179
Liabilities$13,029,772
Net Assets$885,407
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $657,9852010Expenses 2011: $509,3572011Expenses 2012: $410,1262012Revenue 2013: $374,258Expenses 2013: $466,642Net Income 2013: -$92,3842013

Highlighted filing

2013

Revenue$374,258
Expenses$466,642
Net Income-$92,384
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,915,179
Liabilities
$13,029,772
Net assets
$885,407
Revenue
$374,258
Expenses
$466,642
Net income
-$92,384
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$13.9$13.0$0.89$0.37$0.47$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.9$13.9$0.98$0.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.0$14.0$0.99$0.51
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.5$13.5$1.05$0.66
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 6, 2014
Return Version
2013v3.0
Gross Receipts
$374,258
Mission and Program Overview

Mission

To give members the ability to control their financial destiny by providing members with the means to satisfy their needs for financial services in a comfortable family-like environment. In doing so, the Credit Union strives to maintain long-term relationships with members while maintaining the financial stability of the Credit Union.

Illinois state chartered credit union operated for the mutual benefit of its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$12,114,705$11,368,528▼ $746,177
Other Notes and Loans Receivable, Net$2,209,083$2,138,581▼ $70,502
Rtn Earn Endowment Incm Other Fnds$977,791$885,407▼ $92,384
Cash and Non-Interest-Bearing Accounts$241,444$131,387▼ $110,057
Land, Buildings, and Equipment, Net$83,897$73,077▼ $10,820
Prepaid Expenses and Deferred Charges$24,354$22,972▼ $1,382
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$14,852,973$13,915,179▼ $937,794
Other Assets Total$179,490$180,634▲ $1,144
Liabilities
Other Liabilities$13,819,693$12,970,444▼ $849,249
Accounts Payable and Accrued Expenses$55,489$59,328▲ $3,839
Total Liabilities$13,875,182$13,029,772▼ $845,410
Net Assets / Fund Balance
Total Net Assets Fund Balance$977,791$885,407▼ $92,384
Total Liabilities and Net Assets / Fund Balance$14,852,973$13,915,179▼ $937,794

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,432$161,316$164,748
Equipment$32,696$82,060$114,756
Leasehold Improvements$4,935$63,761$68,696
Land$32,014-$32,014
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cristi ParkerPresidentFT$62,438$10,600$73,038

Board Members and Trustees

NameTitle
Walter HoshawChairman
Steven HallVice Chairman
David KohlDirector
Herman PhilippDirector
Italo MusaDirector
Kevin TalbottDirector
Linda PetersDirector
Mary Jo KefferDirector
Theresa GilbertDirector
Steven HomewoodSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$249,219
Investment Income
$125,039
Other Revenue
$0
Change in Net Assets
$-92,384
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$289,070
Salaries, Compensation, and Employee Benefits$177,572
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$81,782
Other Salaries and Wages---$74,862
Current Officers, Directors, Trustees, and Key Employees---$73,039
Occupancy---$45,338
Depreciation Depletion---$23,639
Insurance---$22,355
Fees for Services Legal---$14,064
Payroll Taxes---$13,868
Other Employee Benefits---$12,062
Fees for Services Accounting---$9,830
Advertising---$7,429
Pension Plan Contributions---$3,741
Information Technology---$3,738
Other Expenses---$1,289
Conferences and Meetings---$1,194
Fees for Services Other---$1,107
Total Functional Expenses$0$0$0$466,642
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member share accounts$12,970,444
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“Membership consists of individuals with funds on deposit with the Credit Union.”

Form 990, Part VI, Section A, line 7A

“Members of the Credit Union have the authority to elect the Board of Directors usually by proxy.”

Form 990, Part VI, Section B, line 11

“The 990 was reviewed by the Credit Union President prior to filing. The 990 was shared with the Board at the meeting following the filing of the return.”

Form 990, Part VI, Section B, line 12C

“Credit Union employees and board members have read the Conflict of Interest Policy and are aware of the need to report potential conflicts to the Credit Union President. The President of the Credit Union monitors employees and the board for conflicts.”

Form 990, Part VI, Section B, line 15

“The salary of the Credit Union President is determined by the Board of Directors at a closed meeting. The President on the Credit Union presents proposed staff salaries to the Board of Directors for approval.”

Form 990, Part VI, Section C, line 19

“The Credit Union makes governing documents available upon request.”

Filing and Contact Details

Filer

EIN
36-1696245
Phone
8158742188

Signing Officer

Name
Cristi Parker
Title
President
Phone
8158742188
Signed
2014-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cristi Parker
Formed
1935
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
5
Volunteers
9

Preparer

Preparer
Hugh J Ahern CPA
Phone
7737794720
Supplemental Narrative

Additional Explanations

Part IV, #12A and Part XII #2B, Audited Financials

“The statement of financial condition of Winnebago County Schools Credit Union as of June 30, 2013 and the related statements of income, members' equity and cash flows for the year then ended were audited in accordance with auditing standards generally accepted in the United States of America by an independent accountant.”

Raw XML Appendix369 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.

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IRS990ScheduleD/LandGrp/BookValueAmt032014
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt032014
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt04935
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt063761
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt068696
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012970444
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member share accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt073077
IRS990ScheduleD/TotalLiabilityAmt012970444
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Membership consists of individuals with funds on deposit with the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members of the Credit Union have the authority to elect the Board of Directors usually by proxy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The 990 was reviewed by the Credit Union President prior to filing. The 990 was shared with the Board at the meeting following the filing of the return.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Credit Union employees and board members have read the Conflict of Interest Policy and are aware of the need to report potential conflicts to the Credit Union President. The President of the Credit Union monitors employees and the board for conflicts.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The salary of the Credit Union President is determined by the Board of Directors at a closed meeting. The President on the Credit Union presents proposed staff salaries to the Board of Directors for approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Credit Union makes governing documents available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The statement of financial condition of Winnebago County Schools Credit Union as of June 30, 2013 and the related statements of income, members' equity and cash flows for the year then ended were audited in accordance with auditing standards generally accepted in the United States of America by an independent accountant.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part IV, #12a and Part XII #2b, Audited Financials
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt014852973
IRS990/TotalAssetsEOYAmt013915179
IRS990/TotalAssetsGrp/BOYAmt014852973
IRS990/TotalAssetsGrp/EOYAmt013915179
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0466642
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013875182
IRS990/TotalLiabilitiesEOYAmt013029772
IRS990/TotalLiabilitiesGrp/BOYAmt013875182
IRS990/TotalLiabilitiesGrp/EOYAmt013029772
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0977791
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0885407
IRS990/TotalOtherCompensationAmt010600
IRS990/TotalProgramServiceRevenueAmt0249219
IRS990/TotalReportableCompFromOrgAmt062438
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0374258
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0374258
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt014852973
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013915179
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine104563 Hydraulic Road
IRS990/USAddress/City0Rockford
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode061109
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.wcscu.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Cristi Parker
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum08158742188
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-06
ReturnHeader/Filer/BusinessName/BusinessNameLine10Winnebago County Schools Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0WINN
ReturnHeader/Filer/EIN0361696245
ReturnHeader/Filer/PhoneNum08158742188
ReturnHeader/Filer/USAddress/AddressLine104563 Hydraulic Road
ReturnHeader/Filer/USAddress/City0Rockford
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode061109
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0363321958
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Desmond & Ahern Ltd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1010827 S Western Ave
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Chicago
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode060643
ReturnHeader/PreparerPersonGrp/PhoneNum07737794720
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Hugh J Ahern CPA
ReturnHeader/ReturnTs02014-05-06T15:53:25-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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