Civic Intelligence

Public Service Credit Union

990 • Fiscal year 2016 • EIN 39-0551185

Jan 01, 2016 to Dec 31, 2016 • Filed on May 01, 2017

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

17th percentile

0.78x

Higher debt load relative to assets than 17% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

85th percentile

28.99x

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

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

38th percentile

3.7%

Higher net margin than 38% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

46th percentile

$68,964

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 20.9% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

6th percentile

-5.5%

Faster asset growth than 6% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

29th percentile

-0.5%

Faster revenue growth than 29% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets17th percentile

Assets

Down

$12,255,437

Down $710,181 (-5.5%) from 2015

Net Assets

Up

$2,709,181

Up $12,154 (+0.5%) from 2015

Liabilities

Down

$9,546,256

Down $722,335 (-7.0%) from 2015

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin38th percentile

Revenue

Down

$329,336

Down $1,540 (-0.5%) from 2015

Expenses

Down

$317,182

Down $898 (-0.3%) from 2015

Net Income

Down

$12,154

Down $642 (-5.0%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth6th 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

2016

Assets$12,255,437
Liabilities$9,546,256
Net Assets$2,709,181
Open 2016 Filing

Operations Trend

Revenue Growth29th 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

2016

Revenue$329,336
Expenses$317,182
Net Income$12,154
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 1, 2017
Return Version
2016v3.0
Gross Receipts
$329,336
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$6,316,536$6,042,106▼ $274,430
Savings and Temporary Cash Investments$6,225,000$5,927,000▼ $298,000
Rtn Earn Endowment Incm Other Fnds$2,697,027$2,709,181▲ $12,154
Investments Program Related$189,166$199,732▲ $10,566
Cash and Non-Interest-Bearing Accounts$187,350$46,008▼ $141,342
Prepaid Expenses and Deferred Charges$18,769$11,225▼ $7,544
Land, Buildings, and Equipment, Net$4,199$3,546▼ $653
Total Assets$12,965,618$12,255,437▼ $710,181
Other Assets Total$24,598$25,820▲ $1,222
Liabilities
Other Liabilities$10,248,820$9,522,612▼ $726,208
Accounts Payable and Accrued Expenses$19,771$23,644▲ $3,873
Total Liabilities$10,268,591$9,546,256▼ $722,335
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,697,027$2,709,181▲ $12,154
Total Liabilities and Net Assets / Fund Balance$12,965,618$12,255,437▼ $710,181

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,546$98,750$102,296
Investment Program Related Org$97,245--
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra M LeszczynskiPresidentFT$65,681$3,283$68,964
Jason LinzmaierDirector-$588-$588
Matthew MurphyVice-Chair-$588-$588
Pamela KolasinskiChair-$588-$588
Andrew KriegTreasurer-$539-$539
David SchneiderDirector-$539-$539
Kelly ZagrzebskiSecretary-$539-$539
Francis MartinDirector-$343-$343
Kerry WendeDirector-$245-$245
Richard KrieselDirector-$245-$245
Nicole HamiltonDirector-$98-$98
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$240,932
Investment Income
$90,359
Other Revenue
$-1,955
Change in Net Assets
$12,154
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$174,735
Salaries, Compensation, and Employee Benefits$142,447
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---$69,993
Information Technology---$61,971
Other Salaries and Wages---$56,253
All Other Expenses---$25,386
Office Expenses---$23,853
Insurance---$17,400
Payroll Taxes---$9,889
Payments to Affiliates---$8,860
Conferences and Meetings---$6,614
Pension Plan Contributions---$6,312
Other Expenses-$4,996-$4,996
Fees for Service Investment Mgmnt Fees---$1,494
Depreciation Depletion---$1,493
Travel---$630
Total Functional Expenses$0$0$0$317,182
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$9,522,474
Credit DIS INSGAP Insurance$138
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
2017-05-01
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
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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/PYRevenuesLessExpensesAmt012796
IRS990/PYSalariesCompEmpBnftPaidAmt0135320
IRS990/PYTotalExpensesAmt0318080
IRS990/PYTotalRevenueAmt0330876
IRS990/ReconcilationRevenueExpnssAmt012154
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02697027
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02709181
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06225000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05927000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt03546
IRS990ScheduleD/EquipmentGrp/DepreciationAmt098750
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0102296
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0102487
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt197245
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Corporate Central MCS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09522474
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1138
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Credit DIS INSGAP Insurance
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03546
IRS990ScheduleD/TotalBookValueProgramRltdAmt0199732
IRS990ScheduleD/TotalLiabilityAmt09522612
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/TotalAssetsBOYAmt012965618
IRS990/TotalAssetsEOYAmt012255437
IRS990/TotalAssetsGrp/BOYAmt012965618
IRS990/TotalAssetsGrp/EOYAmt012255437
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0317182
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010268591
IRS990/TotalLiabilitiesEOYAmt09546256
IRS990/TotalLiabilitiesGrp/BOYAmt010268591
IRS990/TotalLiabilitiesGrp/EOYAmt09546256
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02697027
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02709181
IRS990/TotalOtherCompensationAmt03283
IRS990/TotalProgramServiceRevenueAmt0240932
IRS990/TotalReportableCompFromOrgAmt069993
IRS990/TotalRevenueGrp/ExclusionAmt088404
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0240932
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0329336
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012965618
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012255437
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0630
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.pscu-wausau.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Sandra M Leszczynski
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07158429865
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-01
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392017131lum5xb4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-05-11
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02017-05-11
ReturnHeader/FilingSecurityInformation/IPTm017:52:24
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/PreparationDt02017-05-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02017-05-11T17:23:02-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,255,437
Liabilities
$9,546,256
Net assets
$2,709,181
Revenue
$329,336
Expenses
$317,182
Net income
$12,154
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
2016Detailed filing. Detailed filing data is available for this year.$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