Civic Intelligence

Horizon Community Credit Union

EIN 39-0349985 • 501(c)14 • Green Bay, WI

View Organization Page

Profile

Achieve Member Success

PO Box 670Green Bay, WI 54305

www.horizonccu.com

Siviq Scores

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

Liabilities / Assets

30th percentile

0.85x

Higher debt load relative to assets than 30% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

77th percentile

23.45x

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

501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

33rd percentile

3.4%

Higher net margin than 33% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

32nd percentile

-2.6%

Faster asset growth than 32% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

18th percentile

-3.7%

Faster revenue growth than 18% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets30th percentile

Assets

Down

$41,919,412

Down $1,115,953 (-2.6%) from 2015

Liabilities

Down

$35,709,512

Down $1,177,407 (-3.2%) from 2015

Net Assets

Up

$6,209,900

Up $61,454 (+1.0%) from 2015

Operations
Liabilities / Revenue77th percentileNet Margin33rd percentile

Revenue

Down

$1,522,685

Down $58,454 (-3.7%) from 2015

Expenses

Down

$1,470,934

Down $78,073 (-5.0%) from 2015

Net Income

Up

$51,751

Up $19,619 (+61%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth32nd percentile

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

$60M$40M$20M$0Assets 2011: $39,669,711Liabilities 2011: $33,794,498Net Assets 2011: $5,875,2132011Assets 2012: $40,835,913Liabilities 2012: $34,867,115Net Assets 2012: $5,968,7982012Assets 2013: $41,715,338Liabilities 2013: $35,682,466Net Assets 2013: $6,032,8722013Assets 2015: $43,035,365Liabilities 2015: $36,886,919Net Assets 2015: $6,148,4462015Assets 2016: $41,919,412Liabilities 2016: $35,709,512Net Assets 2016: $6,209,9002016

Highlighted filing

2016

Assets$41,919,412
Liabilities$35,709,512
Net Assets$6,209,900
Open 2016 Filing

Operations Trend

Revenue Growth18th percentile

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

$2.0M$1.5M$1.0M$500K$0Revenue 2011: $1,644,750Expenses 2011: $1,559,617Net Income 2011: $85,1332011Revenue 2012: $1,603,858Expenses 2012: $1,520,381Net Income 2012: $83,4772012Revenue 2013: $1,556,782Expenses 2013: $1,511,664Net Income 2013: $45,1182013Revenue 2015: $1,581,139Expenses 2015: $1,549,007Net Income 2015: $32,1322015Revenue 2016: $1,522,685Expenses 2016: $1,470,934Net Income 2016: $51,7512016

Highlighted filing

2016

Revenue$1,522,685
Expenses$1,470,934
Net Income$51,751
Open 2016 Filing

Filings

Most recent year

2016 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$41,919,412
Liabilities
$35,709,512
Net assets
$6,209,900
Revenue
$1,522,685
Expenses
$1,470,934
Net income
$51,751
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.9$35.7$6.21$1.52$1.47$0.05
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.0$36.9$6.15$1.58$1.55$0.03
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2013Detailed filing. Detailed filing data is available for this year.$41.7$35.7$6.03$1.56$1.51$0.05
2012Summary only. Only limited summary data is available for this year.$40.8$34.9$5.97$1.60$1.52$0.08
2011Summary only. Only limited summary data is available for this year.$39.7$33.8$5.88$1.64$1.56$0.09
Latest Detailed Filing

The latest 2016 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2013 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 24, 2014
Return Version
2013v3.1
Gross Receipts
$1,556,782
Mission and Program Overview

Mission

Achieve Member Success

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$27,148,614$26,072,978▼ $1,075,636
Savings and Temporary Cash Investments$9,171,345$11,382,433▲ $2,211,088
Rtn Earn Endowment Incm Other Fnds$5,968,798$6,032,872▲ $64,074
Land, Buildings, and Equipment, Net$1,524,927$1,471,718▼ $53,209
Cash and Non-Interest-Bearing Accounts$1,133,318$918,073▼ $215,245
Investments Program Related$757,742$769,447▲ $11,705
Prepaid Expenses and Deferred Charges$99,683$36,059▼ $63,624
Accounts Receivable$-20,101$200▲ $20,301
Total Assets$40,835,913$41,715,338▲ $879,425
Other Assets Total$1,020,385$1,064,430▲ $44,045
Liabilities
Other Liabilities$34,688,814$35,229,135▲ $540,321
Accounts Payable and Accrued Expenses$178,301$453,331▲ $275,030
Total Liabilities$34,867,115$35,682,466▲ $815,351
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,968,798$6,032,872▲ $64,074
Total Liabilities and Net Assets / Fund Balance$40,835,913$41,715,338▲ $879,425

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,250,338$681,120$1,931,458
Land$208,050-$208,050
Equipment$1,702$172,983$174,685
Other Land Buildings$11,628$122,763$134,391
Investment Program Related Org$150,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick G JosephsonPresidentCEODirectorFT$87,267$22,413$109,680

Board Members and Trustees

NameTitle
Sandy LuedkeChairperson
Diane Campshure-WalczykVice-Chairpeson
Allan JamirDirector
Janeen OlsonDirector
Russ NowakDirector
Sue NeuzilDirector
Terry BrienenSecretary
Brian SmithTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,447,741
Investment Income
$104,772
Other Revenue
$4,269
Change in Net Assets
$45,118
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$965,212
Salaries, Compensation, and Employee Benefits$546,452
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$314,119
Information Technology---$140,047
Office Expenses---$128,342
Occupancy---$97,724
Current Officers, Directors, Trustees, and Key Employees---$87,267
Depreciation Depletion---$59,308
Pension Plan Contributions---$57,589
Other Employee Benefits---$52,794
Payroll Taxes---$34,683
Fees for Services Other---$33,095
Other Expenses-$28,056-$28,056
Insurance---$25,206
Advertising---$22,657
Payments to Affiliates---$18,200
Conferences and Meetings---$16,593
Fees for Services Accounting---$13,053
Travel---$11,119
All Other Expenses---$8,684
Fees for Services Legal---$820
Interest---$239
Total Functional Expenses$0$0$0$1,511,664
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
Member Shares & Deposits$35,127,831
Deferred Compensation$101,304
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
No
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 organization's 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

“The credit union's staff and Board go through a draft before signing off on the Form. We have the end of year numbers to compare and the rest of the form is just factual information. There is a separate review by a few of the staff members.”

Conflict of interest policy compliance Part VI line 12C

“Key staff and the Board has to disclose any changes that occur in their personal or professional life.”

CEO executive director top management comp Part VI line 15A

“The numbers are pretty straight forward. There are no bonuses paid. All amounts are approved by the Board of Directors. There is an employment contract that has been signed by the President/CEO and Board of Directors that idenifies each and every item.”

Governing documents etc available to public Part VI line 19

“The members or general public certainly could view these upon request..”

Filing and Contact Details

Filer

EIN
39-0349985

Signing Officer

Name
Patrick G Josephson
Title
PresidentCEO
Phone
9204330122
Signed
2014-04-24
Discuss with paid preparer
No

Organization Details

Principal Officer
Patrick G Josephson
Formed
1932
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
18
Volunteers
8

Preparer

Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Unrelated business income explanation Part V line 3B

“The Form 990-T will be filed before the extended due date.”

Raw XML Appendix395 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt34479
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt42376
IRS990/ProgSrvcAccomActy2Grp/Desc0We funded 465 loans during 2013. As of 12/31/13, we had 261 mortgages/home equity lines, 462 consumer loans and 1 member business loan. We also had 321 credit card accounts with our members.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt088062
IRS990/PYOtherExpensesAmt01017425
IRS990/PYOtherRevenueAmt0912
IRS990/PYProgramServiceRevenueAmt01514884
IRS990/PYRevenuesLessExpensesAmt083477
IRS990/PYSalariesCompEmpBnftPaidAmt0502956
IRS990/PYTotalExpensesAmt01520381
IRS990/PYTotalRevenueAmt01603858
IRS990/ReconcilationRevenueExpnssAmt045118
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt04269
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt04269
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05968798
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06032872
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09171345
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011382433
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01250338
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0681120
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01931458
IRS990ScheduleD/EquipmentGrp/BookValueAmt01702
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0172983
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0174685
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0337865
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1281582
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2150000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Corp Central CU MCS & PIC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CUAnswers Stock
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/LandGrp/BookValueAmt0208050
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0208050
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt011628
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0122763
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0134391
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt035127831
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1101304
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Deferred Compensation
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01471718
IRS990ScheduleD/TotalBookValueProgramRltdAmt0769447
IRS990ScheduleD/TotalLiabilityAmt035229135
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Form 990-T will be filed before the extended due date.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The 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/ExplanationTxt2The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization's 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/ExplanationTxt4The credit union's staff and Board go through a draft before signing off on the Form. We have the end of year numbers to compare and the rest of the form is just factual information. There is a separate review by a few of the staff members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Key staff and the Board has to disclose any changes that occur in their personal or professional life.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The numbers are pretty straight forward. There are no bonuses paid. All amounts are approved by the Board of Directors. There is an employment contract that has been signed by the President/CEO and Board of Directors that idenifies each and every item.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The members or general public certainly could view these upon request..
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Unrelated business income explanation Part V line 3b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt040835913
IRS990/TotalAssetsEOYAmt041715338
IRS990/TotalAssetsGrp/BOYAmt040835913
IRS990/TotalAssetsGrp/EOYAmt041715338
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01511664
IRS990/TotalGrossUBIAmt01037
IRS990/TotalLiabilitiesBOYAmt034867115
IRS990/TotalLiabilitiesEOYAmt035682466
IRS990/TotalLiabilitiesGrp/BOYAmt034867115
IRS990/TotalLiabilitiesGrp/EOYAmt035682466
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05968798
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06032872
IRS990/TotalOtherCompensationAmt022413
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0786
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt01823
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt01037
IRS990/TotalProgramServiceRevenueAmt01447741
IRS990/TotalReportableCompFromOrgAmt087267
IRS990/TotalRevenueGrp/ExclusionAmt0109041
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01446704
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01556782
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01037
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt040835913
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt041715338
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt011119
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.horizonccu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Patrick G Josephson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PresidentCEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09204330122
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine10Horizon Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0HORI
ReturnHeader/Filer/EIN0390349985
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 670
ReturnHeader/Filer/USAddress/City0Green Bay
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054305
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-11-12T20:18:43-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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