Civic Intelligence

Public Service Credit Union

990 • Fiscal year 2021 • EIN 39-0551185

Jan 01, 2021 to Dec 31, 2021 • Filed on Apr 04, 2022

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

18th percentile

0.78x

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

2021 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2021

Liabilities / Revenue

74th percentile

28.67x

Higher debt load relative to revenue than 74% of similar nonprofits.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2021

Net Margin

21st percentile

-0.7%

Higher net margin than 21% of similar nonprofits.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2021

Top Officer Pay

50th percentile

$72,487

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 21.1% of source-year revenue.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2021

Asset Growth

24th percentile

3.4%

Faster asset growth than 24% of similar nonprofits.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Revenue Growth

40th percentile

-7.3%

Faster revenue growth than 40% of similar nonprofits.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets18th percentile

Assets

Up

$12,625,598

Up $413,333 (+3.4%) from 2020

Net Assets

Down

$2,774,106

Down $2,566 (-0.1%) from 2020

Liabilities

Up

$9,851,492

Up $415,899 (+4.4%) from 2020

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin21st percentile

Revenue

Down

$343,631

Down $27,164 (-7.3%) from 2020

Expenses

Down

$346,197

Down $7,350 (-2.1%) from 2020

Net Income

Down

-$2,566

Down $19,814 (-115%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth24th 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

2021

Assets$12,625,598
Liabilities$9,851,492
Net Assets$2,774,106
Open 2021 Filing

Operations Trend

Revenue Growth40th 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

2021

Revenue$343,631
Expenses$346,197
Net Income-$2,566
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Apr 4, 2022
Return Version
2021v4.0
Gross Receipts
$343,631
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$8,091,118$8,320,690▲ $229,572
Rtn Earn Endowment Incm Other Fnds$2,776,672$2,774,106▼ $2,566
Savings and Temporary Cash Investments$1,637,077$2,119,842▲ $482,765
Investments Program Related$2,332,245$1,987,245▼ $345,000
Cash and Non-Interest-Bearing Accounts$21,384$58,203▲ $36,819
Prepaid Expenses and Deferred Charges$1,107$18,750▲ $17,643
Land, Buildings, and Equipment, Net$20,769$13,483▼ $7,286
Total Assets$12,212,265$12,625,598▲ $413,333
Other Assets Total$108,565$107,385▼ $1,180
Liabilities
Other Liabilities$9,415,798$9,851,799▲ $436,001
Accounts Payable and Accrued Expenses$19,795$-307▼ $20,102
Total Liabilities$9,435,593$9,851,492▲ $415,899
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,776,672$2,774,106▼ $2,566
Total Liabilities and Net Assets / Fund Balance$12,212,265$12,625,598▲ $413,333

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$13,483$124,896$138,379
Investment Program Related Org$97,245--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra LeszczynskiPres Thru 12FT$69,035$3,452$72,487
Tina MachlanPresidentFT$15,742$787$16,529
Jason LinzmaierChairman-$588-$588
Amy KopetzkyDirector-$539-$539
Kelly ZagrzebskiVice Chair-$539-$539
Mathew MurphyDirector-$539-$539
Mike BosiSecretary-$539-$539
David SchneiderTreasurer-$441-$441
Rick KrieselDirector-$196-$196
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$280,951
Investment Income
$62,680
Other Revenue
$0
Change in Net Assets
$-2,566
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$186,851
Salaries, Compensation, and Employee Benefits$159,346
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$99,131
Current Officers, Directors, Trustees, and Key Employees---$88,158
Other Salaries and Wages---$52,583
Information Technology---$46,389
Insurance---$12,632
Payroll Taxes---$11,583
Depreciation Depletion---$7,286
Pension Plan Contributions---$7,022
Conferences and Meetings---$4,224
Other Expenses---$1,020
Interest---$10
Total Functional Expenses$0$0$0$346,197
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$9,851,799
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 it is reviewed by the board of directors. After the draft is approved by board, the president authorizes the cpa to e-file the approved return.”

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

“A committee of the board of directors determines president's compensation. The wi credit union league salary survey is used as part of the process. The board 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
Tina Machlan
Title
President
Phone
7158429865
Signed
2022-04-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tina Machlan
Formed
1935
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
5

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Raw XML Appendix341 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/InvstProgramRelatedOrgGrp/Desc1CORPORATE CU CAPITAL ACCTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09851799
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt013483
IRS990ScheduleD/TotalBookValueProgramRltdAmt01987245
IRS990ScheduleD/TotalLiabilityAmt09851799
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 IT IS REVIEWED BY THE BOARD OF DIRECTORS. AFTER THE DRAFT IS APPROVED BY BOARD, THE PRESIDENT AUTHORIZES THE CPA TO E-FILE THE APPROVED RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A COMMITTEE OF THE BOARD OF DIRECTORS DETERMINES PRESIDENT'S COMPENSATION. THE WI CREDIT UNION LEAGUE SALARY SURVEY IS USED AS PART OF THE PROCESS. THE BOARD 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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012212265
IRS990/TotalAssetsEOYAmt012625598
IRS990/TotalAssetsGrp/BOYAmt012212265
IRS990/TotalAssetsGrp/EOYAmt012625598
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0346197
IRS990/TotalGrossUBIAmt0300
IRS990/TotalLiabilitiesBOYAmt09435593
IRS990/TotalLiabilitiesEOYAmt09851492
IRS990/TotalLiabilitiesGrp/BOYAmt09435593
IRS990/TotalLiabilitiesGrp/EOYAmt09851492
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02776672
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02774106
IRS990/TotalOtherCompensationAmt04239
IRS990/TotalProgramServiceRevenueAmt0280951
IRS990/TotalReportableCompFromOrgAmt088158
IRS990/TotalRevenueGrp/ExclusionAmt062680
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0280651
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0343631
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0300
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012212265
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012625598
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/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TINA MACHLAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07158429865
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-04-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PUBLIC SERVICE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PUBL
ReturnHeader/Filer/EIN0390551185
ReturnHeader/Filer/PhoneNum07158429865
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1854
ReturnHeader/Filer/USAddress/CityNm0WAUSAU
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054402
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0461065712
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/PreparationDt02022-04-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02022-04-29T11:14:30-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0TINA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0MCAHLAN
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,625,598
Liabilities
$9,851,492
Net assets
$2,774,106
Revenue
$343,631
Expenses
$346,197
Net income
-$2,566
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
2021Detailed filing. Detailed filing data is available for this year.$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