Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 39-0540608

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 12, 2014

Organization ProfileWWW.PIONEERCU.ORG

View Organization Page

825 Morris Avenue / PO Box 252654306-2526

(920) 494-2828

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Up

$609,630,814

Up $67,338,467 (+12%) from 2012

Net Assets

Up

$55,307,369

Up $5,534,466 (+11%) from 2012

Liabilities

Up

$554,323,445

Up $61,804,001 (+13%) from 2012

Revenue And Expenses

Revenue

$32,603,206

No earlier filing loaded for comparison.

Expenses

Up

$26,367,201

Up $251,746 (+1.0%) from 2012

Net Income

$6,236,005

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$800M$600M$400M$200M$0Assets 2010: $459,908,397Liabilities 2010: $418,738,656Net Assets 2010: $41,169,7412010Assets 2011: $495,367,524Liabilities 2011: $452,241,802Net Assets 2011: $43,125,7222011Assets 2012: $542,292,347Liabilities 2012: $492,519,444Net Assets 2012: $49,772,9032012Assets 2013: $609,630,814Liabilities 2013: $554,323,445Net Assets 2013: $55,307,3692013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2013

Assets$609,630,814
Liabilities$554,323,445
Net Assets$55,307,369
Open 2013 Filing

Operations Trend

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

$40M$30M$20M$10M$0Expenses 2010: $26,534,5962010Expenses 2011: $28,350,2412011Expenses 2012: $26,115,4552012Revenue 2013: $32,603,206Expenses 2013: $26,367,201Net Income 2013: $6,236,0052013Revenue 2014: $16,203,728Expenses 2014: $12,975,861Net Income 2014: $3,227,8672014

Highlighted filing

2013

Revenue$32,603,206
Expenses$26,367,201
Net Income$6,236,005
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 12, 2014
Return Version
2013v3.0
Gross Receipts
$36,462,709
Mission and Program Overview

Mission

Pioneer credit union is committed to the delivery of total member understanding and satisfaction in everything we do. This is accomplished through a balance of sound and responsible operations, focus on employee satisfaction and development, and actively striving to serve the needs of our membership.

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$416,183,603$496,426,746▲ $80,243,143
Rtn Earn Endowment Incm Other Fnds$49,772,903$55,307,369▲ $5,534,466
Savings and Temporary Cash Investments$60,815,618$43,053,405▼ $17,762,213
Investments in Publicly Traded Securities$24,905,376$26,291,839▲ $1,386,463
Land, Buildings, and Equipment, Net$13,853,331$15,867,305▲ $2,013,974
Cash and Non-Interest-Bearing Accounts$5,881,996$5,662,766▼ $219,230
Investments Other Securities$2,777,315$4,135,175▲ $1,357,860
Prepaid Expenses and Deferred Charges$1,141,469$1,546,412▲ $404,943
Accounts Receivable$1,180,038$1,240,018▲ $59,980
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$542,292,347$609,630,814▲ $67,338,467
Other Assets Total$15,553,601$15,407,148▼ $146,453
Liabilities
Other Liabilities$468,801,713$489,413,638▲ $20,611,925
Mortgage Notes Payable Secured by Investment Property$17,000,000$40,000,000▲ $23,000,000
Accounts Payable and Accrued Expenses$6,700,825$24,907,014▲ $18,206,189
Deferred Revenue$16,906$2,793▼ $14,113
Total Liabilities$492,519,444$554,323,445▲ $61,804,001
Net Assets / Fund Balance
Total Net Assets Fund Balance$49,772,903$55,307,369▲ $5,534,466
Total Liabilities and Net Assets / Fund Balance$542,292,347$609,630,814▲ $67,338,467

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,929,860$4,535,120$11,464,980
Land$6,166,958-$6,166,958
Other Land Buildings$2,459,358$2,340,148$4,799,506
Equipment$311,129$2,047,745$2,358,874
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Thomas YoungPresident/CEOFT$253,938$67,038$320,976
Karen CarewVP-finance/CFOFT$137,397$30,012$167,409
Heather KarczDirector--$16$16
Jay KramerBoard Chairman--$16$16
John CarrierDirector--$16$16
Mike VandenhoutenDirector--$16$16
Peggy LemerondTreasurer--$16$16
Theodore PappasSecretary--$16$16
Paul PattersonDirector--$12$12
Robert TetzlaffDirector--$10$10
James ZimmerBoard Chairman (thru July)--$8$8
Keith LuciusDirector--$7$7

Board Members and Trustees

NameTitle
Erwin DepasDirector (thru March)

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservComputer Maintenance-$1,409,548
IntuitHome Banking, Bille Payer-$704,260
PulseTransaction Processing, Terminal Driving-$652,668
LendkeyCloud Based Technology-$484,773
Technology ArchitectsIt Consulting-$453,029
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$31,779,797
Investment Income
$800,897
Other Revenue
$22,512
Change in Net Assets
$6,236,005
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,533,268
Salaries, Compensation, and Employee Benefits$9,463,256
Grants and Similar Amounts Paid$370,677
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,457,598
Information Technology---$3,593,144
Other Employee Benefits---$1,734,080
Office Expenses---$1,721,548
Other Expenses---$849,865
Depreciation Depletion---$806,051
Occupancy---$764,597
Advertising---$583,873
Payroll Taxes---$536,146
Current Officers, Directors, Trustees, and Key Employees---$488,518
All Other Expenses---$397,961
Grants to Domestic Orgs---$370,677
Interest---$362,107
Pension Plan Contributions---$246,914
Fees for Services Other---$200,224
Insurance---$163,394
Fees for Services Accounting---$121,854
Travel---$59,796
Fees for Service Investment Mgmnt Fees---$52,924
Conferences and Meetings---$47,811
Fees for Services Legal---$1,929
Total Functional Expenses$0$0$0$26,367,201
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
39-0988577-Public SchoolImprovement of Athletic Fields.$240,000
23-7191992-501(c)(3)General Support$19,120
39-1516018-501(c)(3)General Support$11,122
39-6102943-501(c)(3)General Support$10,000
--501(c)(3)General Support$10,000
39-1589910-501(c)(3)General Support$7,456
39-1721843-501(c)(3)General Support$6,911
--501(c)(3)General Support$5,530
20-0319330-CountyGeneral Support$5,000
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$489,413,638
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members who deposit money as a regular deposit of a financial institution, they also own a part of the institution.”

Form 990, Part VI, Section A, Line 7A

“The members who deposit money in the credit union vote on the governing body.”

Form 990, Part VI, Section B, Line 11

“The 990 is reviewed by the president and cfo prior to submission with the irs.”

Form 990, Part VI, Section B, Line 12C

“Staff and officers are required to review policy annually.”

Form 990, Part VI, Section B, Line 15A

“Vp-human resources provides the compensation committee, composed of three directors, with state and national compensation surveys and discusses pertinent issues related to ceo compensation and benefits. Committee reviews information with full board and determines course of action based on current market.”

Form 990, Part VI, Section C, Line 19

“Policies are available upon request, summarized financials are posted in branches.”

Filing and Contact Details

Filer

EIN
39-0540608
Phone
9204942828

Signing Officer

Name
Thomas Young
Title
President
Phone
9204942828
Signed
2014-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas Young
Formed
1927
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
9
Employees
217
Volunteers
11

Preparer

Preparer
Mary a Coates CPA
Phone
7158453111
Raw XML AppendixShowing 400 of 639 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/ActivityOrMissionDesc0A 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.
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IRS990/Form990PartVIISectionAGrp/PersonNm3KEITH LUCIUS
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL PATTERSON
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IRS990/MissionDesc0PIONEER CREDIT UNION IS COMMITTED TO THE DELIVERY OF TOTAL MEMBER UNDERSTANDING AND SATISFACTION IN EVERYTHING WE DO. THIS IS ACCOMPLISHED THROUGH A BALANCE OF SOUND AND RESPONSIBLE OPERATIONS, FOCUS ON EMPLOYEE SATISFACTION AND DEVELOPMENT, AND ACTIVELY STRIVING TO SERVE THE NEEDS OF OUR MEMBERSHIP.
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IRS990/ProgSrvcAccomActy2Grp/Desc0WITH A HIGH-RATE CHECKING ACCOUNT AND MONEY MARKET RATES THAT WERE AT THE TOP OF THE MARKET, WE WERE ABLE TO PROVIDE MEMBERS WITH INSURED, LIQUID ALTERNATIVES FOR THEIR DEPOSIT NEEDS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PIONEER CREDIT UNION IS A MAJOR CONTRIBUTOR TO FREEDOM HOUSE, A SHELTER WHOSE PURPOSE IS TO HELP HOMELESS FAMILIES BECOME SUCCESSFUL IN ALL AREAS OF THEIR LIVES. CREDIT UNION EMPLOYEES VOLUNTEER AT FREEDOM HOUSE ON COMPANY TIME. PIONEER DONATED IN EXCESS OF $370,000 TO VARIOUS LOCAL CHARITIES THROUGHOUT THE YEAR, AND CONTINUES TO SUPPORT CHILDRENS HOSPITAL. THE CREDIT UNION ALSO HAS AN ACTIVE PROGRAM IN TEACHING "AT RISK" CHILDREN AT AN INNER-CITY SCHOOL, ON COMPANY TIME.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
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IRS990ScheduleI/RecipientTable/IRCSectionDesc0PUBLIC SCHOOL
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IRS990ScheduleI/RecipientTable/IRCSectionDesc5COUNTY
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IRS990ScheduleI/RecipientTable/IRCSectionDesc8501(C)(3)
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0IMPROVEMENT OF ATHLETIC FIELDS.
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1GENERAL SUPPORT
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt2GENERAL SUPPORT
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt3GENERAL SUPPORT
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt4GENERAL SUPPORT
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt5GENERAL SUPPORT

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$609,630,814
Liabilities
$554,323,445
Net assets
$55,307,369
Revenue
$32,603,206
Expenses
$26,367,201
Net income
$6,236,005
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$16.2$13.0$3.23
2013Detailed filing. Detailed filing data is available for this year.$610$554$55.3$32.6$26.4$6.24
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$542$493$49.8$26.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$495$452$43.1$28.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$460$419$41.2$26.5
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $250M-$1B nonprofits