Civic Intelligence

Public Service Credit Union

990 • Fiscal year 2019 • EIN 39-0551185

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 01, 2020

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

16th percentile

0.76x

Higher debt load relative to assets than 16% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

85th percentile

23.44x

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

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

36th percentile

6.6%

Higher net margin than 36% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

41st percentile

$71,183

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 19.1% of source-year revenue.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

14th percentile

-3.6%

Faster asset growth than 14% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

35th percentile

3.4%

Faster revenue growth than 35% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets16th percentile

Assets

Down

$11,501,009

Down $424,665 (-3.6%) from 2018

Net Assets

Up

$2,759,424

Up $24,638 (+0.9%) from 2018

Liabilities

Down

$8,741,585

Down $449,303 (-4.9%) from 2018

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin36th percentile

Revenue

Up

$372,986

Up $12,126 (+3.4%) from 2018

Expenses

Up

$348,349

Up $7,168 (+2.1%) from 2018

Net Income

Up

$24,637

Up $4,958 (+25%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth14th 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

2019

Assets$11,501,009
Liabilities$8,741,585
Net Assets$2,759,424
Open 2019 Filing

Operations Trend

Revenue Growth35th 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

2019

Revenue$372,986
Expenses$348,349
Net Income$24,637
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 1, 2020
Return Version
2019v5.0
Gross Receipts
$372,986
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.

To encourage thrift amount 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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,721,363$7,017,891▲ $296,528
Investments Program Related$3,278,245$2,934,245▼ $344,000
Rtn Earn Endowment Incm Other Fnds$2,734,786$2,759,424▲ $24,638
Savings and Temporary Cash Investments$1,750,960$1,379,779▼ $371,181
Land, Buildings, and Equipment, Net$22,605$20,127▼ $2,478
Cash and Non-Interest-Bearing Accounts$14,960$19,646▲ $4,686
Prepaid Expenses and Deferred Charges$15,992$8,511▼ $7,481
Total Assets$11,925,674$11,501,009▼ $424,665
Other Assets Total$121,549$120,810▼ $739
Liabilities
Other Liabilities$9,167,172$8,723,215▼ $443,957
Accounts Payable and Accrued Expenses$23,716$18,370▼ $5,346
Total Liabilities$9,190,888$8,741,585▼ $449,303
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,734,786$2,759,424▲ $24,638
Total Liabilities and Net Assets / Fund Balance$11,925,674$11,501,009▼ $424,665

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$20,127$111,097$131,224
Investment Program Related Org$97,245--
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra LeszczynskiPresidentPT$67,793$3,390$71,183
Amy KopetzkyDirector-$588-$588
David SchneiderTreasurer-$588-$588
Jason LinzmaierChairman-$539-$539
Kelly ZagrzebskiVice Chair-$539-$539
Mathew MurphyDirector-$490-$490
Nicole HamiltonSecretary-$441-$441
Andrew KriegDirector-$147-$147
Mike BosiDirector-$147-$147
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$265,809
Investment Income
$107,177
Other Revenue
$0
Change in Net Assets
$24,637
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$208,388
Salaries, Compensation, and Employee Benefits$139,961
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---$71,272
Office Expenses---$67,822
Information Technology---$55,797
Other Salaries and Wages---$52,767
Insurance---$16,319
Payroll Taxes---$9,720
Pension Plan Contributions---$6,202
Conferences and Meetings---$6,085
Depreciation Depletion---$4,873
Travel---$307
Other Expenses---$-11,212
Total Functional Expenses$0$0$0$348,349
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 & Deposits$8,723,215
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 35% controlled entity
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

Form 990, Page 6, Part VI, Line 11B

“Management provides necessary data to independent cpa who prepares the return. Management reviews the draft return for accuracy, and then the draft is reviewed by the board of directors. After the draft is approved the president authorizes the cpa to e-file the approved return. The president informs the board when the return has been successfully e-filed.”

Form 990, Page 6, Part VI, Line 15A

“A committee of the board of directors determines the president's compensation. The wi credit union league salary survey is used as part of the process. The board then formally approves the compensation and this is noted in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and conflict of interest policy are available to the members upon request. Financial statements are posted in the lobby.”

Filing and Contact Details

Filer

Filer Name
Public Service Credit Union
EIN
39-0551185
Phone
7158429865
Address
PO BOX 1854, WAUSAU, WI 54402

Signing Officer

Name
Sandra Leszczynski
Title
President
Phone
7158429865
Signed
2020-04-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandra Leszczynski
Formed
1935
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
10

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“ROUNDING 1”

Raw XML Appendix350 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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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0131224
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt02837000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt197245
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0HTM SECURITIES > 1 YR MATURITY
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08723215
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IRS990ScheduleD/TotalBookValueLandBuildingsAmt020127
IRS990ScheduleD/TotalBookValueProgramRltdAmt02934245
IRS990ScheduleD/TotalLiabilityAmt08723215
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. MANAGEMENT REVIEWS THE DRAFT RETURN FOR ACCURACY, AND THEN THE DRAFT IS REVIEWED BY THE BOARD OF DIRECTORS. AFTER THE DRAFT IS APPROVED THE PRESIDENT AUTHORIZES THE CPA TO E-FILE THE APPROVED RETURN. THE PRESIDENT INFORMS THE BOARD WHEN THE RETURN HAS BEEN SUCCESSFULLY E-FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A COMMITTEE OF THE BOARD OF DIRECTORS DETERMINES THE PRESIDENT'S COMPENSATION. THE WI CREDIT UNION LEAGUE SALARY SURVEY IS USED AS PART OF THE PROCESS. THE BOARD THEN FORMALLY APPROVES THE COMPENSATION AND THIS IS NOTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO THE MEMBERS UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ROUNDING 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt011925674
IRS990/TotalAssetsEOYAmt011501009
IRS990/TotalAssetsGrp/BOYAmt011925674
IRS990/TotalAssetsGrp/EOYAmt011501009
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0348349
IRS990/TotalGrossUBIAmt0300
IRS990/TotalLiabilitiesBOYAmt09190888
IRS990/TotalLiabilitiesEOYAmt08741585
IRS990/TotalLiabilitiesGrp/BOYAmt09190888
IRS990/TotalLiabilitiesGrp/EOYAmt08741585
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02734786
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02759424
IRS990/TotalOtherCompensationAmt03390
IRS990/TotalProgramServiceRevenueAmt0265809
IRS990/TotalReportableCompFromOrgAmt071272
IRS990/TotalRevenueGrp/ExclusionAmt0107177
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0265509
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0372986
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0300
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011925674
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011501009
IRS990/TravelGrp/TotalAmt0307
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 1854
IRS990/USAddress/CityNm0WAUSAU
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054402
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.PSCU-WAUSAU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SANDRA LESZCZYNSKI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07158429865
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-04-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PUBLIC SERVICE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PUBL
ReturnHeader/Filer/EIN0390551185
ReturnHeader/Filer/PhoneNum07158429865
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1854
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ReturnHeader/Filer/USAddress/ZIPCd054402
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId05FA08F3168DAA0B72D4E7F0D679A1E851BDE6807
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId05FA08F3168DAA0B72D4E7F0D679A1E851BDE6807
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.88.144.85
ReturnHeader/FilingSecurityInformation/IPDt02020-04-07
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:13:23
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0461605712
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRENT WOOKEY CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 1512
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LA CROSSE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546021512
ReturnHeader/PreparerPersonGrp/PhoneNum06087920843
ReturnHeader/PreparerPersonGrp/PreparationDt02020-04-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-04-07T10:13:23-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,501,009
Liabilities
$8,741,585
Net assets
$2,759,424
Revenue
$372,986
Expenses
$348,349
Net income
$24,637
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
2019Detailed filing. Detailed filing data is available for this year.$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

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)14 • $10M-$25M nonprofits