Civic Intelligence

Public Service Credit Union

990 • Fiscal year 2020 • EIN 39-0551185

Jan 01, 2020 to Dec 31, 2020 • Filed on Mar 26, 2021

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

0.77x

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

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

71st percentile

25.45x

Higher debt load relative to revenue than 71% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Net Margin

44th percentile

4.7%

Higher net margin than 44% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

50th percentile

$72,934

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 19.7% of source-year revenue.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Asset Growth

19th percentile

6.2%

Faster asset growth than 19% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

76th percentile

-0.6%

Faster revenue growth than 76% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$12,212,265

Up $711,256 (+6.2%) from 2019

Net Assets

Up

$2,776,672

Up $17,248 (+0.6%) from 2019

Liabilities

Up

$9,435,593

Up $694,008 (+7.9%) from 2019

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin44th percentile

Revenue

Down

$370,795

Down $2,191 (-0.6%) from 2019

Expenses

Up

$353,547

Up $5,198 (+1.5%) from 2019

Net Income

Down

$17,248

Down $7,389 (-30%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth19th 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

2020

Assets$12,212,265
Liabilities$9,435,593
Net Assets$2,776,672
Open 2020 Filing

Operations Trend

Revenue Growth76th 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

2020

Revenue$370,795
Expenses$353,547
Net Income$17,248
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Mar 26, 2021
Return Version
2020v4.0
Gross Receipts
$370,795
Mission and Program Overview

Mission

None

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$7,017,891$8,091,118▲ $1,073,227
Rtn Earn Endowment Incm Other Fnds$2,759,424$2,776,672▲ $17,248
Investments Program Related$2,934,245$2,332,245▼ $602,000
Savings and Temporary Cash Investments$1,379,779$1,637,077▲ $257,298
Cash and Non-Interest-Bearing Accounts$19,646$21,384▲ $1,738
Land, Buildings, and Equipment, Net$20,127$20,769▲ $642
Prepaid Expenses and Deferred Charges$8,511$1,107▼ $7,404
Total Assets$11,501,009$12,212,265▲ $711,256
Other Assets Total$120,810$108,565▼ $12,245
Liabilities
Other Liabilities$8,723,215$9,415,798▲ $692,583
Accounts Payable and Accrued Expenses$18,370$19,795▲ $1,425
Total Liabilities$8,741,585$9,435,593▲ $694,008
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,759,424$2,776,672▲ $17,248
Total Liabilities and Net Assets / Fund Balance$11,501,009$12,212,265▲ $711,256

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$20,769$117,610$138,379
Investment Program Related Org$97,245--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra LeszczynskiPresidentFT$69,390$3,544$72,934
David SchneiderTreasurer-$588-$588
Kelly ZagrzebskiVice Chair-$588-$588
Mathew MurphyDirector-$588-$588
Amy KopetzkyDirector-$539-$539
Jason LinzmaierChairman-$539-$539
Mike BosiDirector-$490-$490
Nicole HamiltonSecretary-$441-$441
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$281,585
Investment Income
$89,210
Other Revenue
$0
Change in Net Assets
$17,248
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$193,502
Salaries, Compensation, and Employee Benefits$160,045
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$73,282
Current Officers, Directors, Trustees, and Key Employees---$73,163
Other Salaries and Wages---$68,681
Information Technology---$61,030
Insurance---$14,903
Payroll Taxes---$11,086
Other Expenses---$10,261
Pension Plan Contributions---$7,115
Depreciation Depletion---$6,513
Conferences and Meetings---$5,219
Total Functional Expenses$0$0$0$353,547
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$9,415,798
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
2021-03-26
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
3

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Raw XML Appendix333 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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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/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
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02776672
IRS990/TotalOtherCompensationAmt03544
IRS990/TotalProgramServiceRevenueAmt0281585
IRS990/TotalReportableCompFromOrgAmt073163
IRS990/TotalRevenueGrp/ExclusionAmt089210
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0281435
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0370795
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IRS990/WebsiteAddressTxt0WWW.PSCU-WAUSAU.COM
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ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SANDRA LESZCZYNSKI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
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ReturnHeader/BusinessOfficerGrp/SignatureDt02021-03-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PUBLIC SERVICE CREDIT UNION
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ReturnHeader/Filer/PhoneNum07158429865
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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/PreparationDt02021-03-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02021-03-29T14:38:41-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0SANDRA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0LESZCZYNSKI
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,212,265
Liabilities
$9,435,593
Net assets
$2,776,672
Revenue
$370,795
Expenses
$353,547
Net income
$17,248
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
2020Detailed filing. Detailed filing data is available for this year.$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