Civic Intelligence

Appletree Credit Union

990 • Fiscal year 2014 • EIN 39-0388215

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 25, 2015

Organization Profilewww.appletree.org

View Organization Page

11333 W Greenfield AveWest Allis, WI 53214

(414) 546-7800

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$117,361,334

Flat from 2014

Net Assets

Flat

$25,814,093

Flat from 2014

Liabilities

Flat

$91,547,241

Flat from 2014

Revenue And Expenses

Revenue

Flat

$3,543,500

Flat from 2014

Expenses

Flat

$2,326,671

Flat from 2014

Net Income

Flat

$1,216,829

Flat from 2014

Historical Trend

Balance Sheet Trend

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 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

2014

Assets$117,361,334
Liabilities$91,547,241
Net Assets$25,814,093
Open 2014 Filing

Operations Trend

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 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

2014

Revenue$3,543,500
Expenses$2,326,671
Net Income$1,216,829
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 25, 2015
Return Version
2014v5.0
Gross Receipts
$3,543,500
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$91,274,902$92,071,388▲ $796,486
Rtn Earn Endowment Incm Other Fnds$24,597,264$25,814,093▲ $1,216,829
Savings and Temporary Cash Investments$30,348,355$22,806,013▼ $7,542,342
Land, Buildings, and Equipment, Net$993,321$963,233▼ $30,088
Cash and Non-Interest-Bearing Accounts$559,517$410,691▼ $148,826
Total Assets$124,406,703$117,361,334▼ $7,045,369
Other Assets Total$1,230,608$1,110,009▼ $120,599
Liabilities
Other Liabilities$99,442,020$91,254,888▼ $8,187,132
Accounts Payable and Accrued Expenses$367,419$292,353▼ $75,066
Total Liabilities$99,809,439$91,547,241▼ $8,262,198
Net Assets / Fund Balance
Total Net Assets Fund Balance$24,597,264$25,814,093▲ $1,216,829
Total Liabilities and Net Assets / Fund Balance$124,406,703$117,361,334▼ $7,045,369

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$576,204$212,555$788,759
Land$339,768-$339,768
Equipment$47,261$259,905$307,166
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa M GrecoCEOPresident & SecretaryFT$132,555$38,429$170,984
Linda LuedtkeControllerFT$81,544$11,073$92,617

Board Members and Trustees

NameTitle
Gary WeckwerthChair
Laura OwensVice-Chair
Fred CashmoreDirector
Jeff CarriganDirector
Stephen GreidanusTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,350,188
Investment Income
$193,312
Other Revenue
$0
Change in Net Assets
$1,216,829

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,543,500
Total Revenue per Audited Statements
$3,543,500
Total Revenue per Form 990
$3,543,500
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,300,895
Salaries, Compensation, and Employee Benefits$1,025,776
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$561,025
Current Officers, Directors, Trustees, and Key Employees---$222,907
Information Technology---$132,569
Other Employee Benefits---$127,118
Advertising---$105,117
Payroll Taxes---$68,603
Office Expenses---$68,009
Occupancy---$64,736
Depreciation Depletion---$57,677
Other Expenses-$50,766-$50,766
Pension Plan Contributions---$46,123
All Other Expenses---$42,659
Insurance---$36,397
Payments to Affiliates---$25,818
Fees for Services Accounting---$8,632
Conferences and Meetings---$6,806
Fees for Services Legal---$2,413
Travel---$609
Interest---$107
Total Functional Expenses$0$0$0$2,326,671

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,326,671
Total Expenses per Audited Statements$2,326,671
Total Expenses per Form 990$2,326,671
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$91,254,888
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 2014 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

Filer Name
AppleTree Credit Union
EIN
39-0388215
Address
11333 W Greenfield Ave, West Allis, WI 53214

Signing Officer

Name
Lisa M Greco
Title
President
Phone
4145467800
Signed
2015-03-25

Organization Details

Principal Officer
Lisa M Greco
Formed
1935
Legal Domicile
Wi
Voting Board Members
6
Independent Board Members
6
Employees
21
Volunteers
6
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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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IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0132555
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount02000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt010130
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt019491
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt06808
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Lisa M Greco
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEOPresident & Secretary
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0170984
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is a membership organization.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Form 990 for 2014 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/TotalAssetsBOYAmt0124406703
IRS990/TotalAssetsEOYAmt0117361334
IRS990/TotalAssetsGrp/BOYAmt0124406703
IRS990/TotalAssetsGrp/EOYAmt0117361334
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt021
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02326671
IRS990/TotalGrossUBIAmt05726
IRS990/TotalLiabilitiesBOYAmt099809439
IRS990/TotalLiabilitiesEOYAmt091547241
IRS990/TotalLiabilitiesGrp/BOYAmt099809439
IRS990/TotalLiabilitiesGrp/EOYAmt091547241
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt024597264
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt025814093
IRS990/TotalOtherCompensationAmt040694
IRS990/TotalProgramServiceRevenueAmt03350188
IRS990/TotalReportableCompFromOrgAmt0222907
IRS990/TotalRevenueGrp/ExclusionAmt0193312
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03344462
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03543500
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05726
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0124406703
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0117361334
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0609
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.appletree.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Lisa M Greco
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum04145467800
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AppleTree Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0APPL
ReturnHeader/Filer/EIN0390388215
ReturnHeader/Filer/USAddress/AddressLine1Txt011333 W Greenfield Ave
ReturnHeader/Filer/USAddress/CityNm0West Allis
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd053214
ReturnHeader/ReturnTs02015-03-31T20:34:41-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$117,361,334
Liabilities
$91,547,241
Net assets
$25,814,093
Revenue
$3,543,500
Expenses
$2,326,671
Net income
$1,216,829
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
2014Detailed filing. Detailed filing data is available for this year.$117$91.5$25.8$3.54$2.33$1.22
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$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
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