Civic Intelligence

Appletree Credit Union

990 • Fiscal year 2013 • EIN 39-0388215

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 28, 2014

Organization Profilewww.appletree.org

View Organization Page

11333 W Greenfield AveWest Allis, WI 53214

(414) 546-7800

Siviq Scores

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

Liabilities / Assets

10th percentile

0.80x

Higher debt load relative to assets than 10% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

90th percentile

25.43x

Higher debt load relative to revenue than 90% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

98th percentile

36%

Higher net margin than 98% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

33rd percentile

$160,722

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

3rd percentile

-4.2%

Faster asset growth than 3% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M 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 / Assets10th percentile

Assets

Down

$124,406,703

Down $5,415,316 (-4.2%) from 2012

Net Assets

Up

$24,597,264

Up $1,396,587 (+6.0%) from 2012

Liabilities

Down

$99,809,439

Down $6,811,903 (-6.4%) from 2012

Revenue And Expenses
Liabilities / Revenue90th percentileNet Margin98th percentile

Revenue

$3,924,911

No earlier filing loaded for comparison.

Expenses

Down

$2,528,324

Down $308,974 (-11%) from 2012

Net Income

$1,396,587

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$150M$100M$50M$0Assets 2010: $113,034,543Liabilities 2010: $93,581,215Net Assets 2010: $19,453,3282010Assets 2011: $134,328,647Liabilities 2011: $113,141,604Net Assets 2011: $21,187,0432011Assets 2012: $129,822,019Liabilities 2012: $106,621,342Net Assets 2012: $23,200,6772012Assets 2013: $124,406,703Liabilities 2013: $99,809,439Net Assets 2013: $24,597,2642013Assets 2014: $117,361,334Liabilities 2014: $91,547,241Net Assets 2014: $25,814,0932014Assets 2015: $113,811,080Liabilities 2015: $86,919,357Net Assets 2015: $26,891,7232015Assets 2016: $121,616,492Liabilities 2016: $93,724,618Net Assets 2016: $27,891,8742016Assets 2017: $121,631,460Liabilities 2017: $92,668,323Net Assets 2017: $28,963,1372017Assets 2018: $127,157,170Liabilities 2018: $97,033,954Net Assets 2018: $30,123,2162018Assets 2019: $130,511,199Liabilities 2019: $99,412,666Net Assets 2019: $31,098,5332019Assets 2020: $139,273,187Liabilities 2020: $107,291,378Net Assets 2020: $31,981,8092020Assets 2021: $139,938,964Liabilities 2021: $106,962,013Net Assets 2021: $32,976,9512021Assets 2022: $130,204,657Liabilities 2022: $96,430,755Net Assets 2022: $33,773,9022022

Highlighted filing

2013

Assets$124,406,703
Liabilities$99,809,439
Net Assets$24,597,264
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0Expenses 2010: $3,328,7942010Expenses 2011: $3,180,1222011Expenses 2012: $2,837,2982012Revenue 2013: $3,924,911Expenses 2013: $2,528,324Net Income 2013: $1,396,5872013Revenue 2014: $3,543,500Expenses 2014: $2,326,671Net Income 2014: $1,216,8292014Revenue 2015: $3,349,744Expenses 2015: $2,272,114Net Income 2015: $1,077,6302015Revenue 2016: $3,390,889Expenses 2016: $2,390,738Net Income 2016: $1,000,1512016Revenue 2017: $3,480,004Expenses 2017: $2,408,741Net Income 2017: $1,071,2632017Revenue 2018: $3,829,420Expenses 2018: $2,669,341Net Income 2018: $1,160,0792018Revenue 2019: $4,199,363Expenses 2019: $3,224,046Net Income 2019: $975,3172019Revenue 2020: $3,837,874Expenses 2020: $2,954,598Net Income 2020: $883,2762020Revenue 2021: $3,478,509Expenses 2021: $2,483,367Net Income 2021: $995,1422021Revenue 2022: $3,294,411Expenses 2022: $2,497,460Net Income 2022: $796,9512022

Highlighted filing

2013

Revenue$3,924,911
Expenses$2,528,324
Net Income$1,396,587
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 28, 2014
Return Version
2013v3.1
Gross Receipts
$3,924,911
Mission and Program Overview

Mission

A cooperative, nonprofit corporation, incorporated to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$102,653,532$91,274,902▼ $11,378,630
Savings and Temporary Cash Investments$23,954,215$30,348,355▲ $6,394,140
Rtn Earn Endowment Incm Other Fnds$23,200,677$24,597,264▲ $1,396,587
Land, Buildings, and Equipment, Net$997,266$993,321▼ $3,945
Cash and Non-Interest-Bearing Accounts$851,463$559,517▼ $291,946
Total Assets$129,822,019$124,406,703▼ $5,415,316
Other Assets Total$1,365,543$1,230,608▼ $134,935
Liabilities
Other Liabilities$106,214,465$99,442,020▼ $6,772,445
Accounts Payable and Accrued Expenses$406,877$367,419▼ $39,458
Total Liabilities$106,621,342$99,809,439▼ $6,811,903
Net Assets / Fund Balance
Total Net Assets Fund Balance$23,200,677$24,597,264▲ $1,396,587
Total Liabilities and Net Assets / Fund Balance$129,822,019$124,406,703▼ $5,415,316

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$584,912$187,262$772,174
Land$339,768-$339,768
Equipment$68,641$252,354$320,995
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa M GrecoPresidentFT$128,045$32,677$160,722
Linda LuedtkeControllerFT$86,217$12,307$98,524

Board Members and Trustees

NameTitle
Tina McAuliffeChair
Jerome SalentineVice-Chair
Fred CashmoreDirector
Stephen GreidanusDirector
Gary WeckwerthSecretary
Laura OwensTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,725,264
Investment Income
$199,647
Other Revenue
$0
Change in Net Assets
$1,396,587

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,924,911
Total Revenue per Audited Statements
$3,924,911
Total Revenue per Form 990
$3,924,911
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,506,277
Salaries, Compensation, and Employee Benefits$1,022,047
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$560,922
Current Officers, Directors, Trustees, and Key Employees---$221,594
Other Employee Benefits---$127,778
Insurance---$118,677
Information Technology---$117,117
Advertising---$87,995
Occupancy---$72,203
Office Expenses---$67,351
Payroll Taxes---$64,019
Depreciation Depletion---$48,651
Pension Plan Contributions---$47,734
All Other Expenses---$39,211
Other Expenses-$32,726-$32,726
Payments to Affiliates---$26,390
Conferences and Meetings---$10,198
Fees for Services Accounting---$8,432
Fees for Services Legal---$5,270
Travel---$515
Total Functional Expenses$0$0$0$2,528,324

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,528,324
Total Expenses per Audited Statements$2,528,324
Total Expenses per Form 990$2,528,324
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
Shares & Deposits$99,442,020
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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

Members or stockholder classes and rights Part VI line 6

“The credit union is a membership organization.”

Form 990 governing body review Part VI line 11

“The Form 990 for 2013 was copied and submitted to all credit union directors for review. Directors were encouraged to comment and/or ask for additional information. The Board minutes will be documented with the distribution of the report and approval by the directors.”

Conflict of interest policy compliance Part VI line 12C

“Internal audits, external CPA audit, regulatory exam and board/management oversight regularly and consistently monitor and enforce policy compliance.”

CEO executive director top management comp Part VI line 15A

“The CEO's salary is reviewed and set by the board of directors. A yearly performance review is conducted by the Budget Personnel Committee of the Board of Directors. Salary surveys of comparable positions and goal accomplishments are used to discern performance of the CEO to set salary.”

Other officer or key employee compensation Part VI line 15B

“The CEO is responsible for setting and monitoring salaries of all other employees. Budget guidelines are provided by the governing board yearly.”

Governing documents etc available to public Part VI line 19

“The forms are available for public inspection online via several not-for-profit watchdog group websites. Additionally, they are available upon request at the credit union's office. Financial statements are available at www.nuca.gov. Governing documents, Bylaws and policies, including conflict of interest policies are available upon request at the credit union's office.”

Filing and Contact Details

Filer

EIN
39-0388215

Signing Officer

Name
Lisa M Greco
Title
President
Phone
4145467800
Signed
2014-03-28

Organization Details

Principal Officer
Lisa M Greco
Formed
1935
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
19
Volunteers
7
Raw XML Appendix364 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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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt023200677
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt024597264
IRS990/SavingsAndTempCashInvstGrp/BOYAmt023954215
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030348355
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0584912
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0187262
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0772174
IRS990ScheduleD/EquipmentGrp/BookValueAmt068641
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0252354
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0320995
IRS990ScheduleD/ExpensesSubtotalAmt02528324
IRS990ScheduleD/LandGrp/BookValueAmt0339768
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0339768
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt099442020
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares & Deposits
IRS990ScheduleD/RevenueSubtotalAmt03924911
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0993321
IRS990ScheduleD/TotalExpensesPerForm990Amt02528324
IRS990ScheduleD/TotalLiabilityAmt099442020
IRS990ScheduleD/TotalRevenuePerForm990Amt03924911
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03924911
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02528324
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0128045
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09722
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015623
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt07332
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Lisa M Greco
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0160722
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is a membership organization.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Form 990 for 2013 was copied and submitted to all credit union directors for review. Directors were encouraged to comment and/or ask for additional information. The Board minutes will be documented with the distribution of the report and approval by the directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Internal audits, external CPA audit, regulatory exam and board/management oversight regularly and consistently monitor and enforce policy compliance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The CEO's salary is reviewed and set by the board of directors. A yearly performance review is conducted by the Budget Personnel Committee of the Board of Directors. Salary surveys of comparable positions and goal accomplishments are used to discern performance of the CEO to set salary.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The CEO is responsible for setting and monitoring salaries of all other employees. Budget guidelines are provided by the governing board yearly.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The forms are available for public inspection online via several not-for-profit watchdog group websites. Additionally, they are available upon request at the credit union's office. Financial statements are available at www.nuca.gov. Governing documents, Bylaws and policies, including conflict of interest policies are available upon request at the credit union's office.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0WI
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0129822019
IRS990/TotalAssetsEOYAmt0124406703
IRS990/TotalAssetsGrp/BOYAmt0129822019
IRS990/TotalAssetsGrp/EOYAmt0124406703
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt019
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02528324
IRS990/TotalGrossUBIAmt03516
IRS990/TotalLiabilitiesBOYAmt0106621342
IRS990/TotalLiabilitiesEOYAmt099809439
IRS990/TotalLiabilitiesGrp/BOYAmt0106621342
IRS990/TotalLiabilitiesGrp/EOYAmt099809439
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt023200677
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt024597264
IRS990/TotalOtherCompensationAmt037652
IRS990/TotalProgramServiceRevenueAmt03725264
IRS990/TotalReportableCompFromOrgAmt0221594
IRS990/TotalRevenueGrp/ExclusionAmt0199647
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03721748
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03924911
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03516
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0129822019
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0124406703
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0515
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.appletree.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Lisa M Greco
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum04145467800
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-28
ReturnHeader/Filer/BusinessName/BusinessNameLine10AppleTree Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0APPL
ReturnHeader/Filer/EIN0390388215
ReturnHeader/Filer/USAddress/AddressLine1011333 W Greenfield Ave
ReturnHeader/Filer/USAddress/City0West Allis
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053214
ReturnHeader/ReturnTs02014-03-30T16:29:51-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$124,406,703
Liabilities
$99,809,439
Net assets
$24,597,264
Revenue
$3,924,911
Expenses
$2,528,324
Net income
$1,396,587
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$96.4$33.8$3.29$2.50$0.80
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$140$107$33.0$3.48$2.48$1.00
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$139$107$32.0$3.84$2.95$0.88
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$99.4$31.1$4.20$3.22$0.98
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$127$97.0$30.1$3.83$2.67$1.16
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$122$92.7$29.0$3.48$2.41$1.07
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$122$93.7$27.9$3.39$2.39$1.00
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$86.9$26.9$3.35$2.27$1.08
2014Detailed filing. Detailed filing data is available for this year.$117$91.5$25.8$3.54$2.33$1.22
2013Detailed filing. Detailed filing data is available for this year.$124$99.8$24.6$3.92$2.53$1.40
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$107$23.2$2.84
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$134$113$21.2$3.18
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$93.6$19.5$3.33
Peer Organizations

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