Civic Intelligence

Public Service Credit Union

990 • Fiscal year 2013 • EIN 39-0551185

Jan 01, 2013 to Dec 31, 2013 • Filed on May 08, 2014

Organization Profilewww.pscu-wausau.com
PO Box 1854Wausau, WI 54402

(715) 842-9865

Siviq Scores

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

Liabilities / Assets

18th percentile

0.78x

Higher debt load relative to assets than 18% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

85th percentile

29.09x

Higher debt load relative to revenue than 85% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

45th percentile

2.9%

Higher net margin than 45% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

38th percentile

$61,955

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 18.7% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

27th percentile

-1.2%

Faster asset growth than 27% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M 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 / Assets18th percentile

Assets

Down

$12,306,435

Down $154,642 (-1.2%) from 2012

Net Assets

Up

$2,666,242

Up $9,493 (+0.4%) from 2012

Liabilities

Down

$9,640,193

Down $164,135 (-1.7%) from 2012

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin45th percentile

Revenue

$331,345

No earlier filing loaded for comparison.

Expenses

Down

$321,852

Down $12,372 (-3.7%) from 2012

Net Income

$9,493

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth27th percentile

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

$15M$10M$5.0M$0Assets 2010: $11,288,915Liabilities 2010: $8,654,039Net Assets 2010: $2,634,8762010Assets 2011: $11,926,864Liabilities 2011: $9,295,843Net Assets 2011: $2,631,0212011Assets 2012: $12,461,077Liabilities 2012: $9,804,328Net Assets 2012: $2,656,7492012Assets 2013: $12,306,435Liabilities 2013: $9,640,193Net Assets 2013: $2,666,2422013Assets 2014: $12,271,388Liabilities 2014: $9,587,157Net Assets 2014: $2,684,2312014Assets 2015: $12,965,618Liabilities 2015: $10,268,591Net Assets 2015: $2,697,0272015Assets 2016: $12,255,437Liabilities 2016: $9,546,256Net Assets 2016: $2,709,1812016Assets 2017: $11,939,709Liabilities 2017: $9,224,602Net Assets 2017: $2,715,1072017Assets 2018: $11,925,674Liabilities 2018: $9,190,888Net Assets 2018: $2,734,7862018Assets 2019: $11,501,009Liabilities 2019: $8,741,585Net Assets 2019: $2,759,4242019Assets 2020: $12,212,265Liabilities 2020: $9,435,593Net Assets 2020: $2,776,6722020Assets 2021: $12,625,598Liabilities 2021: $9,851,492Net Assets 2021: $2,774,1062021Assets 2022: $12,351,342Liabilities 2022: $9,667,119Net Assets 2022: $2,684,2232022Assets 2025: $12,884,839Liabilities 2025: $10,221,475Net Assets 2025: $2,663,3642025

Highlighted filing

2013

Assets$12,306,435
Liabilities$9,640,193
Net Assets$2,666,242
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $410,3382010Expenses 2011: $400,2532011Expenses 2012: $334,2242012Revenue 2013: $331,345Expenses 2013: $321,852Net Income 2013: $9,4932013Revenue 2014: $327,996Expenses 2014: $310,007Net Income 2014: $17,9892014Revenue 2015: $330,876Expenses 2015: $318,080Net Income 2015: $12,7962015Revenue 2016: $329,336Expenses 2016: $317,182Net Income 2016: $12,1542016Revenue 2017: $329,322Expenses 2017: $323,396Net Income 2017: $5,9262017Revenue 2018: $360,860Expenses 2018: $341,181Net Income 2018: $19,6792018Revenue 2019: $372,986Expenses 2019: $348,349Net Income 2019: $24,6372019Revenue 2020: $370,795Expenses 2020: $353,547Net Income 2020: $17,2482020Revenue 2021: $343,631Expenses 2021: $346,197Net Income 2021: -$2,5662021Revenue 2022: $323,449Expenses 2022: $413,332Net Income 2022: -$89,8832022Revenue 2025: $553,149Expenses 2025: $614,205Net Income 2025: -$61,0562025

Highlighted filing

2013

Revenue$331,345
Expenses$321,852
Net Income$9,493
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 8, 2014
Return Version
2013v3.1
Gross Receipts
$331,345
Mission and Program Overview

Mission

To encourage thrift among our members, to create a source of credit at a fair and reasonable cost, and to provide an opportunity for each of our members to improve their respective economic and social conditions.

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,154,246$6,678,943▼ $475,303
Savings and Temporary Cash Investments$4,729,879$5,122,087▲ $392,208
Rtn Earn Endowment Incm Other Fnds$2,656,749$2,666,242▲ $9,493
Cash and Non-Interest-Bearing Accounts$354,174$276,791▼ $77,383
Investments Program Related$182,085$191,289▲ $9,204
Prepaid Expenses and Deferred Charges$17,200$12,229▼ $4,971
Land, Buildings, and Equipment, Net$8,828$4,683▼ $4,145
Total Assets$12,461,077$12,306,435▼ $154,642
Other Assets Total$14,665$20,413▲ $5,748
Liabilities
Other Liabilities$9,783,868$9,620,641▼ $163,227
Accounts Payable and Accrued Expenses$20,460$19,552▼ $908
Total Liabilities$9,804,328$9,640,193▼ $164,135
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,656,749$2,666,242▲ $9,493
Total Liabilities and Net Assets / Fund Balance$12,461,077$12,306,435▼ $154,642

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,683$94,788$99,471
Investment Program Related Org$93,458--
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra M LeszczynskiPresidentFT$59,005$2,950$61,955
Andrew KriegTreasurer-$588-$588
David SchneiderChairman-$588-$588
Francis MartinDirector-$588-$588
Kelly ZagrzebskiSecretary-$588-$588
Kerry WendeDirector-$588-$588
Marge ReinDirector-$588-$588
Pamela KolasinskiVice-Chair-$588-$588
Richard KrieselDirector-$588-$588
Matthew MurphyDirector-$441-$441
Randall ConnorsDirector-$147-$147
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$283,006
Investment Income
$48,339
Other Revenue
$0
Change in Net Assets
$9,493
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$193,812
Salaries, Compensation, and Employee Benefits$128,040
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---$64,297
Information Technology---$49,978
Other Salaries and Wages---$48,909
Office Expenses---$33,562
All Other Expenses---$15,520
Insurance---$14,831
Conferences and Meetings---$9,767
Payroll Taxes---$9,173
Payments to Affiliates---$9,048
Pension Plan Contributions---$5,661
Depreciation Depletion---$4,146
Other Expenses-$3,781-$3,781
Fees for Service Investment Mgmnt Fees---$2,066
Travel---$741
Advertising---$375
Fees for Services Legal---$50
Total Functional Expenses$0$0$0$321,852
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 Shares & Deposits$9,620,641
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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

“We go over the document at a board meeting.”

CEO executive director top management comp Part VI line 15A

“Review salary survey, minutes are kept in file, review is done on the CEO by the Board members”

Governing documents etc available to public Part VI line 19

“Posted on the board at the office and annual meeting”

Filing and Contact Details

Filer

EIN
39-0551185

Signing Officer

Name
Sandra M Leszczynski
Title
President
Phone
7158429865
Signed
2014-05-08
Discuss with paid preparer
No

Organization Details

Principal Officer
Sandra M Leszczynski
Formed
1935
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
9
Employees
3
Volunteers
6

Preparer

Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix367 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/PYSalariesCompEmpBnftPaidAmt0124022
IRS990/PYTotalExpensesAmt0334224
IRS990/PYTotalRevenueAmt0359952
IRS990/ReconcilationRevenueExpnssAmt09493
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02656749
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02666242
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04729879
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05122087
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt04683
IRS990ScheduleD/EquipmentGrp/DepreciationAmt094788
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt099471
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt097831
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt193458
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Corporate Central MCS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09620641
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04683
IRS990ScheduleD/TotalBookValueProgramRltdAmt0191289
IRS990ScheduleD/TotalLiabilityAmt09620641
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The 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/ExplanationTxt1The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each 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/ExplanationTxt3We go over the document at a board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Review salary survey, minutes are kept in file, review is done on the CEO by the Board members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Posted on the board at the office and annual meeting
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012461077
IRS990/TotalAssetsEOYAmt012306435
IRS990/TotalAssetsGrp/BOYAmt012461077
IRS990/TotalAssetsGrp/EOYAmt012306435
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0321852
IRS990/TotalGrossUBIAmt02056
IRS990/TotalLiabilitiesBOYAmt09804328
IRS990/TotalLiabilitiesEOYAmt09640193
IRS990/TotalLiabilitiesGrp/BOYAmt09804328
IRS990/TotalLiabilitiesGrp/EOYAmt09640193
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02656749
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02666242
IRS990/TotalOtherCompensationAmt02950
IRS990/TotalProgramServiceRevenueAmt0283006
IRS990/TotalReportableCompFromOrgAmt064297
IRS990/TotalRevenueGrp/ExclusionAmt048339
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0280950
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0331345
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02056
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012461077
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012306435
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0741
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.pscu-wausau.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Sandra M Leszczynski
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07158429865
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine10Public Service Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0PUBL
ReturnHeader/Filer/EIN0390551185
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 1854
ReturnHeader/Filer/USAddress/City0Wausau
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054402
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/PreparationDt02014-06-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-06-16T16:33:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$12,306,435
Liabilities
$9,640,193
Net assets
$2,666,242
Revenue
$331,345
Expenses
$321,852
Net income
$9,493
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.9$10.2$2.66$0.55$0.61$0.06
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.
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.4$9.67$2.68$0.32$0.41$0.09
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.6$9.85$2.77$0.34$0.35$0.00
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.2$9.44$2.78$0.37$0.35$0.02
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.5$8.74$2.76$0.37$0.35$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.9$9.19$2.73$0.36$0.34$0.02
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.9$9.22$2.72$0.33$0.32$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.3$9.55$2.71$0.33$0.32$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.0$10.3$2.70$0.33$0.32$0.01
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.3$9.59$2.68$0.33$0.31$0.02
2013Detailed filing. Detailed filing data is available for this year.$12.3$9.64$2.67$0.33$0.32$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.5$9.80$2.66$0.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.9$9.30$2.63$0.40
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.3$8.65$2.63$0.41
Peer Organizations

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