Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 39-0414795

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 17, 2014

Organization Profilewww.lapcu.com
PO Box 1354602

(608) 784-2499

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.88x

Higher debt load relative to assets than 73% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

38th percentile

14.55x

Higher debt load relative to revenue than 38% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

25th percentile

-9.9%

Higher net margin than 25% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

9th percentile

-9.7%

Faster asset growth than 9% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M 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 / Assets73rd percentile

Assets

Down

$3,344,212

Down $361,252 (-9.7%) from 2012

Net Assets

Down

$386,424

Down $20,147 (-5.0%) from 2012

Liabilities

Down

$2,957,788

Down $341,105 (-10%) from 2012

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin25th percentile

Revenue

$203,261

No earlier filing loaded for comparison.

Expenses

Down

$223,408

Down $18,702 (-7.7%) from 2012

Net Income

-$20,147

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $3,396,649Liabilities 2010: $2,974,494Net Assets 2010: $422,1552010Assets 2011: $3,735,103Liabilities 2011: $3,332,067Net Assets 2011: $403,0362011Assets 2012: $3,705,464Liabilities 2012: $3,298,893Net Assets 2012: $406,5712012Assets 2013: $3,344,212Liabilities 2013: $2,957,788Net Assets 2013: $386,4242013Assets 2014: $3,383,185Liabilities 2014: $3,020,459Net Assets 2014: $362,7262014

Highlighted filing

2013

Assets$3,344,212
Liabilities$2,957,788
Net Assets$386,424
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$300K$200K$100K$0-$100KExpenses 2010: $254,4122010Expenses 2011: $268,6062011Expenses 2012: $242,1102012Revenue 2013: $203,261Expenses 2013: $223,408Net Income 2013: -$20,1472013Revenue 2014: $189,695Expenses 2014: $213,393Net Income 2014: -$23,6982014

Highlighted filing

2013

Revenue$203,261
Expenses$223,408
Net Income-$20,147
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 17, 2014
Return Version
2013v3.1
Gross Receipts
$203,818
Mission and Program Overview

Mission

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,543,217$2,619,883▲ $76,666
Rtn Earn Endowment Incm Other Fnds$406,571$386,424▼ $20,147
Cash and Non-Interest-Bearing Accounts$765,390$374,777▼ $390,613
Savings and Temporary Cash Investments$300,000$275,000▼ $25,000
Investments Program Related$33,094$32,794▼ $300
Land, Buildings, and Equipment, Net$18,082$14,589▼ $3,493
Prepaid Expenses and Deferred Charges$22,616$6,434▼ $16,182
Accounts Receivable$6,684$4,820▼ $1,864
Total Assets$3,705,464$3,344,212▼ $361,252
Other Assets Total$16,381$15,915▼ $466
Liabilities
Other Liabilities$3,279,217$2,937,791▼ $341,426
Accounts Payable and Accrued Expenses$19,676$19,997▲ $321
Total Liabilities$3,298,893$2,957,788▼ $341,105
Net Assets / Fund Balance
Total Net Assets Fund Balance$406,571$386,424▼ $20,147
Total Liabilities and Net Assets / Fund Balance$3,705,464$3,344,212▼ $361,252

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$14,018$34,655$48,673
Equipment$571$20,024$20,595
Leasehold Improvements-$677$677
Investment Program Related Org$32,794--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan C JacobsonPresidentCEOFT$50,380$1,511$51,891
Jamie A LockingtonOperations SupervisorFT$36,722$1,102$37,824

Board Members and Trustees

NameTitle
David L DuckettChairman
Dan McGarveyVice Chair
Dale SchermerhornDirector
Gary WedwickDirector
Jay BowersDirector
Sandra WalshSecretary
Tom MerfieldTreasurer beg 42013
Jay AlvinTreasurer thru 42013
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$196,856
Investment Income
$5,572
Other Revenue
$833
Change in Net Assets
$-20,147
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$126,668
Salaries, Compensation, and Employee Benefits$96,740
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---$87,102
Office Expenses---$72,844
Fees for Services Other---$10,876
Other Salaries and Wages---$7,025
Payments to Affiliates---$3,738
Other Employee Benefits---$2,613
Other Expenses-$2,508-$2,508
Advertising---$2,284
Travel---$1,326
All Other Expenses---$951
Total Functional Expenses$0$0$0$223,408
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 Share & Deposits$2,937,309
Accrued Dividends$482
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
No
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 Board reviews and makes any necessary changes to the Form 990 before it is filed.”

Conflict of interest policy compliance Part VI line 12C

“We discuss this at our reorganational meeting and also with employees during their annual reviews.”

CEO executive director top management comp Part VI line 15A

“The Board determines the compensation for the President during a board meeting and the President determines the compensation for key employees based on a budget approved by the Board.”

Governing documents etc available to public Part VI line 19

“Governig documents and the conflict of interest policy are made available upon request. The year end financial statements are posted in our lobby.”

Filing and Contact Details

Filer

EIN
39-0414795

Signing Officer

Name
Susan C Jacobson
Title
PresidentCEO
Phone
6087842499
Signed
2014-04-17
Discuss with paid preparer
No

Organization Details

Principal Officer
Susan C Jacobson
Formed
1930
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
7

Preparer

Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Unrelated business income explanation Part V line 3B

“We will file the 990T before the extended due date.”

Raw XML Appendix376 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt019676
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt019997
IRS990/AccountsReceivableGrp/BOYAmt06684
IRS990/AccountsReceivableGrp/EOYAmt04820
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0None
IRS990/AdvertisingGrp/TotalAmt02284
IRS990/AllOtherExpensesGrp/TotalAmt0951
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Susan C Jacobson
IRS990/BooksInCareOfDetail/PhoneNum06087842499
IRS990/BooksInCareOfDetail/USAddress/AddressLine10PO BOX 13
IRS990/BooksInCareOfDetail/USAddress/City0La Crosse
IRS990/BooksInCareOfDetail/USAddress/State0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode054602
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0765390
IRS990/CashNonInterestBearingGrp/EOYAmt0374777
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt087102
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt05572
IRS990/CYOtherExpensesAmt0126668
IRS990/CYOtherRevenueAmt0833
IRS990/CYProgramServiceRevenueAmt0196856
IRS990/CYRevenuesLessExpensesAmt0-20147
IRS990/CYSalariesCompEmpBnftPaidAmt096740
IRS990/CYTotalExpensesAmt0223408
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0203261
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0We have deposit, transaction, and investment accounts with 637 members at 12/31. During 2013, we opened 29 new deposit, transaction and investment accounts.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesOtherGrp/TotalAmt010876
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt81511
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt91102
IRS990/Form990PartVIISectionAGrp/PersonNm0David L Duckett
IRS990/Form990PartVIISectionAGrp/PersonNm1Gary Wedwick
IRS990/Form990PartVIISectionAGrp/PersonNm2Jay Alvin
IRS990/Form990PartVIISectionAGrp/PersonNm3Sandra Walsh
IRS990/Form990PartVIISectionAGrp/PersonNm4Dale Schermerhorn
IRS990/Form990PartVIISectionAGrp/PersonNm5Dan McGarvey
IRS990/Form990PartVIISectionAGrp/PersonNm6Jay Bowers
IRS990/Form990PartVIISectionAGrp/PersonNm7Tom Merfield
IRS990/Form990PartVIISectionAGrp/PersonNm8Susan C Jacobson
IRS990/Form990PartVIISectionAGrp/PersonNm9Jamie A Lockington
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt850380
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt936722
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer thru 42013
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Treasurer beg 42013
IRS990/Form990PartVIISectionAGrp/TitleTxt8PresidentCEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9Operations Supervisor
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr01930
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-557
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0203818
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt06129
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06129
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt033094
IRS990/InvestmentsProgramRelatedGrp/EOYAmt032794
IRS990/IRPDocumentCnt0104
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt055356
IRS990/LandBldgEquipBasisNetGrp/BOYAmt018082
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014589
IRS990/LandBldgEquipCostOrOtherBssAmt069945
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0557
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0None
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0406571
IRS990/NetAssetsOrFundBalancesEOYAmt0386424
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-557
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-557
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/TotalAmt072844
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt016381
IRS990/OtherAssetsTotalGrp/EOYAmt015915
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02613
IRS990/OtherExpensesGrp/Desc0Dividends to Members
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc3Member InsNCUSIF
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt010871
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt118500
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22770
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt32508
IRS990/OtherExpensesGrp/TotalAmt010871
IRS990/OtherExpensesGrp/TotalAmt118500
IRS990/OtherExpensesGrp/TotalAmt22770
IRS990/OtherExpensesGrp/TotalAmt32508
IRS990/OtherLiabilitiesGrp/BOYAmt03279217
IRS990/OtherLiabilitiesGrp/EOYAmt02937791
IRS990/OtherSalariesAndWagesGrp/TotalAmt07025
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02543217
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02619883
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt03738
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt022616
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt06434
IRS990/PrincipalOfficerNm0Susan C Jacobson
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Member Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc2Investment Referrals
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0138913
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt156527
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0138913
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt156527
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21416
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01416
IRS990/ProgSrvcAccomActy2Grp/Desc0We funded 133 loans during 2013. As of 12/31/2013, we had 38 mortgages/home equity lines and 279 consumer loans.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt06355
IRS990/PYOtherExpensesAmt0145637
IRS990/PYOtherRevenueAmt05021
IRS990/PYProgramServiceRevenueAmt0234269
IRS990/PYRevenuesLessExpensesAmt03535
IRS990/PYSalariesCompEmpBnftPaidAmt096473
IRS990/PYTotalExpensesAmt0242110
IRS990/PYTotalRevenueAmt0245645
IRS990/ReconcilationRevenueExpnssAmt0-20147
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt0833
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0833
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0406571
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0386424
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0300000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0275000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0571
IRS990ScheduleD/EquipmentGrp/DepreciationAmt020024
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt020595
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt032794
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUSIF Deposit
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0677
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0677
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt014018
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt034655
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt048673
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02937309
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1482
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Share & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt014589
IRS990ScheduleD/TotalBookValueProgramRltdAmt032794
IRS990ScheduleD/TotalLiabilityAmt02937791
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We will file the 990T 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 Board reviews and makes any necessary changes to the Form 990 before it is filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5We discuss this at our reorganational meeting and also with employees during their annual reviews.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The Board determines the compensation for the President during a board meeting and the President determines the compensation for key employees based on a budget approved by the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Governig documents and the conflict of interest policy are made available upon request. The year end financial statements are posted in our lobby.
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/TotalAssetsBOYAmt03705464
IRS990/TotalAssetsEOYAmt03344212
IRS990/TotalAssetsGrp/BOYAmt03705464
IRS990/TotalAssetsGrp/EOYAmt03344212
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0223408
IRS990/TotalGrossUBIAmt01416
IRS990/TotalLiabilitiesBOYAmt03298893
IRS990/TotalLiabilitiesEOYAmt02957788
IRS990/TotalLiabilitiesGrp/BOYAmt03298893
IRS990/TotalLiabilitiesGrp/EOYAmt02957788
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0406571
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0386424
IRS990/TotalOtherCompensationAmt02613
IRS990/TotalProgramServiceRevenueAmt0196856
IRS990/TotalReportableCompFromOrgAmt087102
IRS990/TotalRevenueGrp/ExclusionAmt06405
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0195440
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0203261
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01416
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03705464
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03344212
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt01326
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.lapcu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Susan C Jacobson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PresidentCEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06087842499
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-17
ReturnHeader/Filer/BusinessName/BusinessNameLine10LaCrosse Area Postal Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0LACR
ReturnHeader/Filer/EIN0390414795
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 13
ReturnHeader/Filer/USAddress/City0La Crosse
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054602
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/PreparationDt02014-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-11-12T20:18:15-06:00
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
$3,344,212
Liabilities
$2,957,788
Net assets
$386,424
Revenue
$203,261
Expenses
$223,408
Net income
-$20,147
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$3.38$3.02$0.36$0.19$0.21$0.02
2013Detailed filing. Detailed filing data is available for this year.$3.34$2.96$0.39$0.20$0.22$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.71$3.30$0.41$0.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.74$3.33$0.40$0.27
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.40$2.97$0.42$0.25
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $1M-$5M nonprofits