Civic Intelligence

Western IL School Employees Cu

990 • Fiscal year 2012 • EIN 37-0818194

Jan 01, 2012 to Dec 31, 2012 • Filed on May 01, 2013

Organization ProfileWWW.WISECU.COM
1416 Maine62301
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

94th percentile

0.93x

Higher debt load relative to assets than 94% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

93rd percentile

13%

Faster asset growth than 93% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$20,765,941

Up $2,404,610 (+13%) from 2011

Net Assets

Up

$1,541,452

Up $131,000 (+9.3%) from 2011

Liabilities

Up

$19,224,489

Up $2,273,610 (+13%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$452,310

Down $24,970 (-5.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2010: $17,720,900Liabilities 2010: $16,451,149Net Assets 2010: $1,269,7512010Assets 2011: $18,361,331Liabilities 2011: $16,950,879Net Assets 2011: $1,410,4522011Assets 2012: $20,765,941Liabilities 2012: $19,224,489Net Assets 2012: $1,541,4522012Assets 2013: $20,811,122Liabilities 2013: $19,106,395Net Assets 2013: $1,704,7272013Assets 2014: $21,088,260Liabilities 2014: $19,265,127Net Assets 2014: $1,823,1332014Assets 2015: $22,217,705Liabilities 2015: $20,196,160Net Assets 2015: $2,021,5452015Assets 2016: $22,686,537Liabilities 2016: $20,482,585Net Assets 2016: $2,203,9522016Assets 2017: $23,061,025Liabilities 2017: $20,622,797Net Assets 2017: $2,438,2282017Assets 2018: $21,970,913Liabilities 2018: $19,284,043Net Assets 2018: $2,686,8702018Assets 2019: $21,401,530Liabilities 2019: $18,496,506Net Assets 2019: $2,905,0242019Assets 2020: $22,321,095Liabilities 2020: $19,214,837Net Assets 2020: $3,106,2582020Assets 2021: $24,776,181Liabilities 2021: $21,401,886Net Assets 2021: $3,374,2952021Assets 2022: $23,388,287Liabilities 2022: $19,909,280Net Assets 2022: $3,479,0072022Assets 2023: $22,810,370Liabilities 2023: $19,203,413Net Assets 2023: $3,606,9572023Assets 2024: $22,400,429Liabilities 2024: $18,687,425Net Assets 2024: $3,713,0042024

Highlighted filing

2012

Assets$20,765,941
Liabilities$19,224,489
Net Assets$1,541,452
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0Expenses 2010: $521,1232010Expenses 2011: $477,2802011Expenses 2012: $452,3102012Revenue 2013: $528,680Expenses 2013: $365,405Net Income 2013: $163,2752013Revenue 2014: $500,440Expenses 2014: $382,034Net Income 2014: $118,4062014Revenue 2015: $539,689Expenses 2015: $341,277Net Income 2015: $198,4122015Revenue 2016: $532,495Expenses 2016: $350,088Net Income 2016: $182,4072016Revenue 2017: $570,393Expenses 2017: $336,117Net Income 2017: $234,2762017Revenue 2018: $651,249Expenses 2018: $402,607Net Income 2018: $248,6422018Revenue 2019: $682,638Expenses 2019: $464,484Net Income 2019: $218,1542019Revenue 2020: $565,164Expenses 2020: $363,930Net Income 2020: $201,2342020Revenue 2021: $572,124Expenses 2021: $304,087Net Income 2021: $268,0372021Revenue 2022: $568,011Expenses 2022: $463,299Net Income 2022: $104,7122022Revenue 2023: $945,343Expenses 2023: $835,011Net Income 2023: $110,3322023Revenue 2024: $1,029,439Expenses 2024: $923,392Net Income 2024: $106,0472024

Highlighted filing

2012

Revenue-
Expenses$452,310
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 1, 2013
Return Version
2012v2.1
Gross Receipts
$583,310
Mission and Program Overview

Mission

To provide high-quality financial services to our members/owners and enhance their financial well-being while maintaining the financial strength of the credit union.

Filing and Contact Details

Filer

EIN
37-0818194
Raw XML AppendixShowing 400 of 483 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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IRS990ScheduleL/LoanTable/WrittenAgreement11true
IRS990ScheduleL/TotalBalanceDue0114062
IRS990ScheduleO/GeneralExplanation/Explanation0THE MEMBERS OF THE CREDIT UNION'S BOARD DONATE THEIR TIME TO SERVE ON THE BOARD. THE BOARD MEMBERS ATTEND MONTHLY MEETINGS AND PERFORM PROCEDURES TO CHECK DIFFERENT ASPECTS OF THE CREDIT UNION'S DAILY ACTIVITIES, IE INSPECT LOAN FILES, CHECK BANK RECONCILIATIONS, ETC.
IRS990ScheduleO/GeneralExplanation/Explanation1YES. THE ORGANIZATION IS A MEMBER OWNED CREDIT UNION. THE MEMBERS HAVE AN ANNUAL MEETING AND THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2YES SEE EXPLANATION FOR PREVIOUS QUESTION.
IRS990ScheduleO/GeneralExplanation/Explanation3TREASURER MAKES THE ANNUAL RETURN AVAILABLE TO ALL BOARD MEMBERS TO REVIEW PRIOR TO FILING EACH YEAR. THE BOARD IS AWARE OF ALL FILING REQUIREMENTS AND ARE ACTIVE IN THE REVIEWING PROCESS.
IRS990ScheduleO/GeneralExplanation/Explanation4EXECUTIVE COMMITTEE MEETS AND REVIEWS PRES/TREASURER'S PERFORMANCE. THEY PUT TOGETHER A PROPOSAL FOR THE BOARD TO REVIEW AND BOARD REVIEWS AND APPROVES THE PROPOSAL.
IRS990ScheduleO/GeneralExplanation/Explanation5UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6BOOK / TAX DEPRECIATION DIFFERENCE 4,302
IRS990ScheduleO/GeneralExplanation/Explanation7DEPRECIATION NOT INCLUDED -4,302
IRS990ScheduleO/GeneralExplanation/Identifier0EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS
IRS990ScheduleO/GeneralExplanation/Identifier1CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier3ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier4COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier5GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier6RECONCILIATION OF CHANGES - OTHER
IRS990ScheduleO/GeneralExplanation/Identifier7OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART XI, LINE 9
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XI, LINE 9

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$20,765,941
Liabilities
$19,224,489
Net assets
$1,541,452
Revenue
-
Expenses
$452,310
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$22.4$18.7$3.71$1.03$0.92$0.11
2023Detailed filing. Detailed filing data is available for this year.$22.8$19.2$3.61$0.95$0.84$0.11
2022Detailed filing. Detailed filing data is available for this year.$23.4$19.9$3.48$0.57$0.46$0.10
2021Detailed filing. Detailed filing data is available for this year.$24.8$21.4$3.37$0.57$0.30$0.27
2020Detailed filing. Detailed filing data is available for this year.$22.3$19.2$3.11$0.57$0.36$0.20
2019Detailed filing. Detailed filing data is available for this year.$21.4$18.5$2.91$0.68$0.46$0.22
2018Detailed filing. Detailed filing data is available for this year.$22.0$19.3$2.69$0.65$0.40$0.25
2017Detailed filing. Detailed filing data is available for this year.$23.1$20.6$2.44$0.57$0.34$0.23
2016Detailed filing. Detailed filing data is available for this year.$22.7$20.5$2.20$0.53$0.35$0.18
2015Detailed filing. Detailed filing data is available for this year.$22.2$20.2$2.02$0.54$0.34$0.20
2014Detailed filing. Detailed filing data is available for this year.$21.1$19.3$1.82$0.50$0.38$0.12
2013Detailed filing. Detailed filing data is available for this year.$20.8$19.1$1.70$0.53$0.37$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.8$19.2$1.54$0.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.4$17.0$1.41$0.48
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.7$16.5$1.27$0.52