Civic Intelligence

Public Service Credit Union

990 • Fiscal year 2015 • EIN 39-0551185

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 18, 2016

Organization Profilewww.pscu-wausau.com

View Organization Page

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

21st percentile

0.79x

Higher debt load relative to assets than 21% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

88th percentile

31.03x

Higher debt load relative to revenue than 88% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

42nd percentile

3.9%

Higher net margin than 42% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

36th percentile

$63,601

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 19.2% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

69th percentile

5.7%

Faster asset growth than 69% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

53rd percentile

0.9%

Faster revenue growth than 53% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$12,965,618

Up $694,230 (+5.7%) from 2014

Net Assets

Up

$2,697,027

Up $12,796 (+0.5%) from 2014

Liabilities

Up

$10,268,591

Up $681,434 (+7.1%) from 2014

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin42nd percentile

Revenue

Up

$330,876

Up $2,880 (+0.9%) from 2014

Expenses

Up

$318,080

Up $8,073 (+2.6%) from 2014

Net Income

Down

$12,796

Down $5,193 (-29%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth69th 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

2015

Assets$12,965,618
Liabilities$10,268,591
Net Assets$2,697,027
Open 2015 Filing

Operations Trend

Revenue Growth53rd percentile

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

2015

Revenue$330,876
Expenses$318,080
Net Income$12,796
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 18, 2016
Return Version
2015v2.1
Gross Receipts
$330,876
Mission and Program Overview

Mission

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,202,927$6,316,536▲ $113,609
Savings and Temporary Cash Investments$5,620,100$6,225,000▲ $604,900
Rtn Earn Endowment Incm Other Fnds$2,684,231$2,697,027▲ $12,796
Investments Program Related$189,664$189,166▼ $498
Cash and Non-Interest-Bearing Accounts$223,283$187,350▼ $35,933
Prepaid Expenses and Deferred Charges$6,395$18,769▲ $12,374
Land, Buildings, and Equipment, Net$4,799$4,199▼ $600
Total Assets$12,271,388$12,965,618▲ $694,230
Other Assets Total$24,220$24,598▲ $378
Liabilities
Other Liabilities$9,571,111$10,248,820▲ $677,709
Accounts Payable and Accrued Expenses$16,046$19,771▲ $3,725
Total Liabilities$9,587,157$10,268,591▲ $681,434
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,684,231$2,697,027▲ $12,796
Total Liabilities and Net Assets / Fund Balance$12,271,388$12,965,618▲ $694,230

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,199$97,257$101,456
Investment Program Related Org$93,458--
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sandra M LeszczynskiPresidentFT$63,601$63,601
Andrew KriegTreasurer-$588$588
David SchneiderDirector-$588$588
Francis MartinDirector-$588$588
Jason LinzmaierDirector-$588$588
Kelly ZagrzebskiSecretary-$588$588
Kerry WendeDirector-$588$588
Matthew MurphyVice-Chair-$588$588
Pamela KolasinskiChair-$588$588
Richard KrieselDirector-$588$588
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$254,088
Investment Income
$76,788
Other Revenue
$0
Change in Net Assets
$12,796
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$182,760
Salaries, Compensation, and Employee Benefits$135,320
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---$68,893
Information Technology---$56,093
Other Salaries and Wages---$51,018
Office Expenses---$31,822
All Other Expenses---$17,830
Insurance---$16,772
Payments to Affiliates---$9,508
Payroll Taxes---$9,413
Conferences and Meetings---$8,182
Pension Plan Contributions---$5,996
Other Expenses-$5,809-$5,809
Fees for Service Investment Mgmnt Fees---$1,513
Depreciation Depletion---$1,418
Travel---$300
Total Functional Expenses$0$0$0$318,080
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$10,248,683
Credit DIS INSGAP Insurance$137
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 organizations 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

“Board reviews the leagues wage report and minutes are in the board book”

Governing documents etc available to public Part VI line 19

“By request and financials located in the office board”

Filing and Contact Details

Filer

Filer Name
Public Service Credit Union
EIN
39-0551185
Address
PO BOX 1854, Wausau, WI 54402

Signing Officer

Name
Sandra M Leszczynski
Title
President
Phone
7158429865
Signed
2016-04-18
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

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix352 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/BOYAmt016046
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt019771
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0None
IRS990/AllOtherExpensesGrp/TotalAmt017830
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Sandra M Leszczynski
IRS990/BooksInCareOfDetail/PhoneNum07158429865
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 1854
IRS990/BooksInCareOfDetail/USAddress/CityNm0Wausau
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054402
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0223283
IRS990/CashNonInterestBearingGrp/EOYAmt0187350
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt068893
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt08182
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt076788
IRS990/CYOtherExpensesAmt0182760
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0254088
IRS990/CYRevenuesLessExpensesAmt012796
IRS990/CYSalariesCompEmpBnftPaidAmt0135320
IRS990/CYTotalExpensesAmt0318080
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0330876
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt01418
IRS990/Desc0We funded 440 loans during 2015. As of 12/31/15, we had 11 mortgages and 429 consumer loans.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt01513
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/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
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/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
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/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0Andrew Krieg
IRS990/Form990PartVIISectionAGrp/PersonNm1David Schneider
IRS990/Form990PartVIISectionAGrp/PersonNm2Francis Martin
IRS990/Form990PartVIISectionAGrp/PersonNm3Kerry Wende
IRS990/Form990PartVIISectionAGrp/PersonNm4Jason Linzmaier
IRS990/Form990PartVIISectionAGrp/PersonNm5Kelly Zagrzebski
IRS990/Form990PartVIISectionAGrp/PersonNm6Pamela Kolasinski
IRS990/Form990PartVIISectionAGrp/PersonNm7Richard Kriesel
IRS990/Form990PartVIISectionAGrp/PersonNm8Matthew Murphy
IRS990/Form990PartVIISectionAGrp/PersonNm9Sandra M Leszczynski
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt963601
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/TitleTxt0Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt9President
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0330876
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt056093
IRS990/InsuranceGrp/TotalAmt016772
IRS990/InvestmentIncomeGrp/ExclusionAmt076788
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt076788
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0189664
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0189166
IRS990/IRPDocumentCnt0607
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt097257
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04799
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04199
IRS990/LandBldgEquipCostOrOtherBssAmt0101456
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0None
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02684231
IRS990/NetAssetsOrFundBalancesEOYAmt02697027
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/TotalAmt031822
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt024220
IRS990/OtherAssetsTotalGrp/EOYAmt024598
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Dividends on Shares
IRS990/OtherExpensesGrp/Desc1Loan Service Expense
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt033513
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt15809
IRS990/OtherExpensesGrp/TotalAmt033513
IRS990/OtherExpensesGrp/TotalAmt15809
IRS990/OtherLiabilitiesGrp/BOYAmt09571111
IRS990/OtherLiabilitiesGrp/EOYAmt010248820
IRS990/OtherSalariesAndWagesGrp/TotalAmt051018
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt06202927
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt06316536
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt09508
IRS990/PayrollTaxesGrp/TotalAmt09413
IRS990/PensionPlanContributionsGrp/TotalAmt05996
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06395
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt018769
IRS990/PrincipalOfficerNm0Sandra M Leszczynski
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Other Member Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Insurance Sales
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0247931
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11870
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt24287
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0247931
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11870
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24287
IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 1299 members at 12/31. During 2015, we opened 37 new deposit, transaction and investment accounts.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt065489
IRS990/PYOtherExpensesAmt0179846
IRS990/PYProgramServiceRevenueAmt0262507
IRS990/PYRevenuesLessExpensesAmt017989
IRS990/PYSalariesCompEmpBnftPaidAmt0130161
IRS990/PYTotalExpensesAmt0310007
IRS990/PYTotalRevenueAmt0327996
IRS990/ReconcilationRevenueExpnssAmt012796
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02684231
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02697027
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05620100
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06225000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt04199
IRS990ScheduleD/EquipmentGrp/DepreciationAmt097257
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0101456
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt095708
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt193458
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Corporate Central MCS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010248683
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1137
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Credit DIS INSGAP Insurance
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04199
IRS990ScheduleD/TotalBookValueProgramRltdAmt0189166
IRS990ScheduleD/TotalLiabilityAmt010248820
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 organizations 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/ExplanationTxt4Board reviews the leagues wage report and minutes are in the board book
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5By request and financials located in the office board
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/TotalAssetsBOYAmt012271388
IRS990/TotalAssetsEOYAmt012965618
IRS990/TotalAssetsGrp/BOYAmt012271388
IRS990/TotalAssetsGrp/EOYAmt012965618
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0318080
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09587157
IRS990/TotalLiabilitiesEOYAmt010268591
IRS990/TotalLiabilitiesGrp/BOYAmt09587157
IRS990/TotalLiabilitiesGrp/EOYAmt010268591
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02684231
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02697027
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0254088
IRS990/TotalReportableCompFromOrgAmt068893
IRS990/TotalRevenueGrp/ExclusionAmt076788
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0254088
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0330876
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012271388
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012965618
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0300
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.pscu-wausau.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Sandra M Leszczynski
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07158429865
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Public Service Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0PUBL
ReturnHeader/Filer/EIN0390551185
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1854
ReturnHeader/Filer/USAddress/CityNm0Wausau
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054402
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W2313 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02016-04-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02016-04-24T23:51:08-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,965,618
Liabilities
$10,268,591
Net assets
$2,697,027
Revenue
$330,876
Expenses
$318,080
Net income
$12,796
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
2015Detailed filing. Detailed filing data is available for this year.$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