Civic Intelligence

County Credit Union

990 • Fiscal year 2017 • EIN 39-0226526

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 17, 2018

Organization Profilewww.ccukenosha.org

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925 59th StreetKenosha, WI 53140

(262) 657-6794

Siviq Scores

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

Liabilities / Assets

55th percentile

0.87x

Higher debt load relative to assets than 55% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

77th percentile

25.72x

Higher debt load relative to revenue than 77% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

54th percentile

7.3%

Higher net margin than 54% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

55th percentile

$77,865

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 16.6% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

68th percentile

3.5%

Faster asset growth than 68% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

61st percentile

5.1%

Faster revenue growth than 61% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$13,787,472

Up $465,682 (+3.5%) from 2016

Net Assets

Up

$1,739,045

Up $34,026 (+2.0%) from 2016

Liabilities

Up

$12,048,427

Up $431,656 (+3.7%) from 2016

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin54th percentile

Revenue

Up

$468,475

Up $22,756 (+5.1%) from 2016

Expenses

Up

$434,449

Up $28,821 (+7.1%) from 2016

Net Income

Down

$34,026

Down $6,065 (-15%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$15M$10M$5.0M$0Assets 2011: $12,508,293Liabilities 2011: $10,856,719Net Assets 2011: $1,651,5742011Assets 2012: $12,207,000Liabilities 2012: $10,601,010Net Assets 2012: $1,605,9902012Assets 2013: $12,162,305Liabilities 2013: $10,566,848Net Assets 2013: $1,595,4572013Assets 2014: $12,598,159Liabilities 2014: $10,971,905Net Assets 2014: $1,626,2542014Assets 2015: $13,243,258Liabilities 2015: $11,578,330Net Assets 2015: $1,664,9282015Assets 2016: $13,321,790Liabilities 2016: $11,616,771Net Assets 2016: $1,705,0192016Assets 2017: $13,787,472Liabilities 2017: $12,048,427Net Assets 2017: $1,739,0452017

Highlighted filing

2017

Assets$13,787,472
Liabilities$12,048,427
Net Assets$1,739,045
Open 2017 Filing

Operations Trend

Revenue Growth61st percentile

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

$600K$400K$200K$0-$200KExpenses 2011: $495,4782011Expenses 2012: $443,5822012Revenue 2013: $402,939Expenses 2013: $413,472Net Income 2013: -$10,5332013Revenue 2014: $413,376Expenses 2014: $382,579Net Income 2014: $30,7972014Revenue 2015: $434,864Expenses 2015: $396,190Net Income 2015: $38,6742015Revenue 2016: $445,719Expenses 2016: $405,628Net Income 2016: $40,0912016Revenue 2017: $468,475Expenses 2017: $434,449Net Income 2017: $34,0262017

Highlighted filing

2017

Revenue$468,475
Expenses$434,449
Net Income$34,026
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 17, 2018
Return Version
2017v2.2
Gross Receipts
$468,475
Mission and Program Overview

Mission

County Credit Union is a not-for-profit member owned financial organization. Our goal is to continue to offer quality products and services to meet the challenging needs of our members while maintaining the Credit Union financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,375,553$7,162,746▲ $787,193
Savings and Temporary Cash Investments$5,844,466$5,517,857▼ $326,609
Rtn Earn Endowment Incm Other Fnds$1,705,019$1,739,045▲ $34,026
Cash and Non-Interest-Bearing Accounts$821,078$826,841▲ $5,763
Investments Program Related$214,858$215,698▲ $840
Land, Buildings, and Equipment, Net$81,159$68,364▼ $12,795
Prepaid Expenses and Deferred Charges$6,800$4,043▼ $2,757
Total Assets$13,321,790$13,787,472▲ $465,682
Other Assets Total$-22,124$-8,077▲ $14,047
Liabilities
Other Liabilities$11,576,201$11,946,950▲ $370,749
Accounts Payable and Accrued Expenses$40,570$101,477▲ $60,907
Total Liabilities$11,616,771$12,048,427▲ $431,656
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,705,019$1,739,045▲ $34,026
Total Liabilities and Net Assets / Fund Balance$13,321,790$13,787,472▲ $465,682

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$20,664$166,827$187,491
Equipment$25,200$147,320$172,520
Land$22,500-$22,500
Investment Program Related Org$99,923--
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan GehriPresidentFT$63,301$14,564$77,865
Kathryn BassingerVice PresidentFT$56,733$16,766$73,499

Board Members and Trustees

NameTitle
Horace StaplesChairman
Mark MelotikVice-Chair
Adelene GreeneDirector
Cindy JohnsonDirector
Kathy HilleslandSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$382,981
Investment Income
$81,880
Other Revenue
$3,614
Change in Net Assets
$34,026
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$244,515
Other Expenses$189,934
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$120,034
Other Salaries and Wages---$67,792
Other Employee Benefits---$33,350
Information Technology---$33,190
Office Expenses---$29,072
Payroll Taxes---$14,816
Depreciation Depletion---$12,795
Insurance---$12,085
Pension Plan Contributions---$8,523
Payments to Affiliates---$7,702
Other Expenses-$5,500-$5,500
Occupancy---$4,046
All Other Expenses---$2,169
Conferences and Meetings---$684
Advertising---$581
Interest---$20
Total Functional Expenses$0$0$0$434,449
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share & Deposits$11,946,950
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
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).”

Member election for additional members Part VI line 7A

“The Board of Directors is elected by the membership utilizing their one vote per member.”

Governing body decisions Part VI line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).”

Form 990 governing body review Part VI line 11

“Form 990 to be presented to board members at the April 2018 meeting along with any documentation requested to verify amounts entered.”

Conflict of interest policy compliance Part VI line 12C

“Yearly, as a new director, the qualifications do state they should recognize and fully disclose potential conflicts of interest.”

CEO executive director top management comp Part VI line 15A

“Salary committee, consisting of the 5 Board of Directors, have a separate meeting which they then present their salary recommendations at the following meeting which is documented in the minutes. Key employees include the President and Vice-President.”

Other officer or key employee compensation Part VI line 15B

“Salary committee, consisting of the 5 Board of Directors, have a separate meeting which they then present their salary recommendations at the following meeting which is documented in the minutes. Key employees include the President and Vice-President.”

Governing documents etc available to public Part VI line 19

“We post our annual financial statement in the lobby and, upon request, we make available the governing documents and conflicts of interest policy.”

Filing and Contact Details

Filer

Filer Name
County Credit Union
EIN
39-0226526
Address
925 59th Street, Kenosha, WI 53140

Signing Officer

Name
Susan Gehri
Title
President
Phone
2626576794
Signed
2018-04-17
Discuss with paid preparer
No

Organization Details

Principal Officer
Susan Gehri
Formed
1935
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
9
Volunteers
6

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990 to be presented to board members at the April 2018 meeting along with any documentation requested to verify amounts entered.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Yearly, as a new director, the qualifications do state they should recognize and fully disclose potential conflicts of interest.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Salary committee, consisting of the 5 Board of Directors, have a separate meeting which they then present their salary recommendations at the following meeting which is documented in the minutes. Key employees include the President and Vice-President.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Salary committee, consisting of the 5 Board of Directors, have a separate meeting which they then present their salary recommendations at the following meeting which is documented in the minutes. Key employees include the President and Vice-President.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7We post our annual financial statement in the lobby and, upon request, we make available the governing documents and conflicts of interest policy.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt013321790
IRS990/TotalAssetsEOYAmt013787472
IRS990/TotalAssetsGrp/BOYAmt013321790
IRS990/TotalAssetsGrp/EOYAmt013787472
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0434449
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt011616771
IRS990/TotalLiabilitiesEOYAmt012048427
IRS990/TotalLiabilitiesGrp/BOYAmt011616771
IRS990/TotalLiabilitiesGrp/EOYAmt012048427
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01705019
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01739045
IRS990/TotalOtherCompensationAmt031330
IRS990/TotalProgramServiceRevenueAmt0382981
IRS990/TotalReportableCompFromOrgAmt0120034
IRS990/TotalRevenueGrp/ExclusionAmt085494
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0382981
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0468475
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013321790
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013787472
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.ccukenosha.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Susan Gehri
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02626576794
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0County Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0COUN
ReturnHeader/Filer/EIN0390226526
ReturnHeader/Filer/USAddress/AddressLine1Txt0925 59th Street
ReturnHeader/Filer/USAddress/CityNm0Kenosha
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd053140
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId09C0C1E6B558C99B33FF5DB8E6EEACB8B3A1EF923
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09C0C1E6B558C99B33FF5DB8E6EEACB8B3A1EF923
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392018134sb5vwpf
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02018-05-14
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02018-05-14
ReturnHeader/FilingSecurityInformation/IPTm014:44:51
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W2313 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02018-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02018-05-14T11:44:02-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,787,472
Liabilities
$12,048,427
Net assets
$1,739,045
Revenue
$468,475
Expenses
$434,449
Net income
$34,026
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$13.8$12.0$1.74$0.47$0.43$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.3$11.6$1.71$0.45$0.41$0.04
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.2$11.6$1.66$0.43$0.40$0.04
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.6$11.0$1.63$0.41$0.38$0.03
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$12.2$10.6$1.60$0.40$0.41$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.2$10.6$1.61$0.44
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.5$10.9$1.65$0.50