Civic Intelligence

Unknown Organization

990 • Fiscal year 2014 • EIN 39-0414795

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 19, 2015

Organization Profilewww.lapcu.com
PO Box 13La Crosse, WI 54602

(608) 784-2499

Siviq Scores

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

Liabilities / Assets

79th percentile

0.89x

Higher debt load relative to assets than 79% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

49th percentile

15.92x

Higher debt load relative to revenue than 49% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

16th percentile

-12%

Higher net margin than 16% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2014

Asset Growth

62nd percentile

1.2%

Faster asset growth than 62% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

28th percentile

-6.7%

Faster revenue growth than 28% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$3,383,185

Up $38,973 (+1.2%) from 2013

Net Assets

Down

$362,726

Down $23,698 (-6.1%) from 2013

Liabilities

Up

$3,020,459

Up $62,671 (+2.1%) from 2013

Revenue And Expenses
Liabilities / Revenue49th percentileNet Margin16th percentile

Revenue

Down

$189,695

Down $13,566 (-6.7%) from 2013

Expenses

Down

$213,393

Down $10,015 (-4.5%) from 2013

Net Income

Down

-$23,698

Down $3,551 (-18%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth62nd 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

2014

Assets$3,383,185
Liabilities$3,020,459
Net Assets$362,726
Open 2014 Filing

Operations Trend

Revenue Growth28th percentile

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

2014

Revenue$189,695
Expenses$213,393
Net Income-$23,698
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 19, 2015
Return Version
2014v5.0
Gross Receipts
$189,695
Mission and Program Overview

Mission

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,619,883$2,460,741▼ $159,142
Cash and Non-Interest-Bearing Accounts$374,777$470,503▲ $95,726
Rtn Earn Endowment Incm Other Fnds$386,424$362,726▼ $23,698
Savings and Temporary Cash Investments$275,000$350,000▲ $75,000
Accounts Receivable$4,820$45,473▲ $40,653
Investments Program Related$32,794$29,386▼ $3,408
Land, Buildings, and Equipment, Net$14,589$7,998▼ $6,591
Prepaid Expenses and Deferred Charges$6,434$2,548▼ $3,886
Total Assets$3,344,212$3,383,185▲ $38,973
Other Assets Total$15,915$16,536▲ $621
Liabilities
Other Liabilities$2,937,791$3,006,028▲ $68,237
Accounts Payable and Accrued Expenses$19,997$14,431▼ $5,566
Total Liabilities$2,957,788$3,020,459▲ $62,671
Net Assets / Fund Balance
Total Net Assets Fund Balance$386,424$362,726▼ $23,698
Total Liabilities and Net Assets / Fund Balance$3,344,212$3,383,185▲ $38,973

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$7,956$35,906$43,862
Equipment$42$19,626$19,668
Leasehold Improvements-$677$677
Investment Program Related Org$29,386--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan C JacobsonPresidentCEOFT$53,497$1,582$55,079
Jamie A LockingtonOperations SupervisorFT$39,139$1,162$40,301

Board Members and Trustees

NameTitle
David L DuckettChairman
Dan McGarveyVice Chair
Dale SchermerhornDirector
Doris CoyleDirector
Jay BowersDirector
Sandra WalshSecretary
Tom MerfieldTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$184,431
Investment Income
$4,426
Other Revenue
$838
Change in Net Assets
$-23,698
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$114,168
Salaries, Compensation, and Employee Benefits$99,225
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---$92,636
Office Expenses---$74,721
Fees for Services Other---$8,829
Other Salaries and Wages---$3,844
Payments to Affiliates---$3,349
Other Expenses-$2,998-$2,998
Other Employee Benefits---$2,745
Advertising---$2,043
All Other Expenses---$1,151
Travel---$1,085
Total Functional Expenses$0$0$0$213,393
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$3,005,645
Accrued Dividends$383
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 completeed form 990 is reviewed by the President and the BOD before filing it.”

Conflict of interest policy compliance Part VI line 12C

“We discuss this at our reorganizational 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

“Documents, policies, and financial statements are provided to members upon request. Year end financial statemtents are presented at the annual meeting and posted in our lobby.”

Filing and Contact Details

Filer

Filer Name
LaCrosse Area Postal Credit Union
EIN
39-0414795
Address
PO BOX 13, La Crosse, WI 54602

Signing Officer

Name
Susan C Jacobson
Title
PresidentCEO
Phone
6087842499
Signed
2015-03-19
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

Firm
WCUL Services Corp
Address
N25W23131 Paul Rd Suite 500, Pewaukee, WI 53072
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 Appendix360 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/Form990PartVIISectionAGrp/TitleTxt4Vice Chair
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IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7PresidentCEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8Operations Supervisor
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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 completeed form 990 is reviewed by the President and the BOD before filing it.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5We discuss this at our reorganizational 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/ExplanationTxt7Documents, policies, and financial statements are provided to members upon request. Year end financial statemtents are presented at the annual meeting and 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
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03344212
IRS990/TotalAssetsEOYAmt03383185
IRS990/TotalAssetsGrp/BOYAmt03344212
IRS990/TotalAssetsGrp/EOYAmt03383185
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0213393
IRS990/TotalGrossUBIAmt02217
IRS990/TotalLiabilitiesBOYAmt02957788
IRS990/TotalLiabilitiesEOYAmt03020459
IRS990/TotalLiabilitiesGrp/BOYAmt02957788
IRS990/TotalLiabilitiesGrp/EOYAmt03020459
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0386424
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0362726
IRS990/TotalOtherCompensationAmt02744
IRS990/TotalProgramServiceRevenueAmt0184431
IRS990/TotalReportableCompFromOrgAmt092636
IRS990/TotalRevenueGrp/ExclusionAmt05264
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0182214
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0189695
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02217
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03344212
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03383185
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt01085
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.lapcu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Susan C Jacobson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PresidentCEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06087842499
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LaCrosse Area Postal Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0LACR
ReturnHeader/Filer/EIN0390414795
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 13
ReturnHeader/Filer/USAddress/CityNm0La Crosse
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054602
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02015-03-20
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02015-03-20T20:09:11-05:00
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
$3,383,185
Liabilities
$3,020,459
Net assets
$362,726
Revenue
$189,695
Expenses
$213,393
Net income
-$23,698
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

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