Civic Intelligence

Public Service Credit Union

990 • Fiscal year 2025 • EIN 39-0551185

Jan 01, 2025 to Dec 31, 2025 • Filed on Feb 18, 2026

Organization ProfilePUBLICSERVICECU.ORG
PO Box 1854Wausau, WI 54402-1854

(715) 842-9865

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

91st percentile

0.79x

Higher debt load relative to assets than 91% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

98th percentile

18.48x

Higher debt load relative to revenue than 98% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Source year 2025

Net Margin

14th percentile

-11%

Higher net margin than 14% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

25th percentile

$79,150

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 14.3% of source-year revenue.

2025 filings • $10M-$25M nonprofits • Source year 2025

Asset Growth

68th percentile

8.9%

Faster asset growth than 68% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

68th percentile

16%

Faster revenue growth than 68% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets91st percentile

Assets

$12,884,839

No earlier filing loaded for comparison.

Net Assets

$2,663,364

No earlier filing loaded for comparison.

Liabilities

$10,221,475

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin14th percentile

Revenue

$553,149

No earlier filing loaded for comparison.

Expenses

$614,205

No earlier filing loaded for comparison.

Net Income

-$61,056

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth68th 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

2025

Assets$12,884,839
Liabilities$10,221,475
Net Assets$2,663,364
Open 2025 Filing

Operations Trend

Revenue Growth68th 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

2025

Revenue$553,149
Expenses$614,205
Net Income-$61,056
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 18, 2026
Return Version
2025v4.0
Gross Receipts
$553,149
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,422,188$10,561,823▲ $2,139,635
Rtn Earn Endowment Incm Other Fnds$2,724,420$2,663,364▼ $61,056
Investments Program Related$1,144,245$1,197,245▲ $53,000
Savings and Temporary Cash Investments$1,945,490$826,344▼ $1,119,146
Cash and Non-Interest-Bearing Accounts$141,387$108,216▼ $33,171
Land, Buildings, and Equipment, Net$30,533$49,276▲ $18,743
Prepaid Expenses and Deferred Charges$45,678$28,108▼ $17,570
Total Assets$11,829,017$12,884,839▲ $1,055,822
Other Assets Total$99,496$113,827▲ $14,331
Liabilities
Other Liabilities$9,070,589$10,197,367▲ $1,126,778
Accounts Payable and Accrued Expenses$34,008$24,108▼ $9,900
Total Liabilities$9,104,597$10,221,475▲ $1,116,878
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,724,420$2,663,364▼ $61,056
Total Liabilities and Net Assets / Fund Balance$11,829,017$12,884,839▲ $1,055,822

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$49,276$53,409$102,685
Investment Program Related Org$97,245--
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kyle TurnerPresidentFT$74,000$5,150$79,150
Darrin WurzSecretary-$539-$539
David SchneiderDirector-$539-$539
Jason LinzmaierDirector-$539-$539
Alexander VedvickChair-$490-$490
Perry WannerVice Chair/t-$441-$441
Brian ImhoffDirector-$294-$294
Madeline SmithDirector-$245-$245
Mathew MurphyDirector-$196-$196
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$450,584
Investment Income
$102,565
Other Revenue
$0
Change in Net Assets
$-61,056
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$401,558
Salaries, Compensation, and Employee Benefits$212,647
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$100,932
Information Technology---$89,905
Current Officers, Directors, Trustees, and Key Employees---$77,283
Office Expenses---$48,401
Insurance---$16,777
Payroll Taxes---$14,401
Conferences and Meetings---$13,691
Other Employee Benefits---$12,268
Depreciation Depletion---$10,776
Fees for Services Other---$10,079
Pension Plan Contributions---$7,763
Fees for Services Accounting---$7,351
Advertising---$6,615
Travel---$573
Other Expenses---$-3,020
Total Functional Expenses$0$0$0$614,205
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$10,197,367
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 return for accuracy and authorizes the approved return to be e-filed. Management will review the return with the board of directors at the next board meeting.”

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

“The board of directors determines president's compensation. A 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 54402-1854

Signing Officer

Name
Kyle Turner
Title
President
Phone
7158429865
Signed
2026-02-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kyle Turner
Formed
1935
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
4

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Raw XML Appendix346 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/BookValueAmt01100000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt197245
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS WITH MATURITY > 1 YEAR
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
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IRS990ScheduleD/TotalBookValueLandBuildingsAmt049276
IRS990ScheduleD/TotalBookValueProgramRltdAmt01197245
IRS990ScheduleD/TotalLiabilityAmt010197367
IRS990/ScheduleJRequiredInd0false
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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 RETURN FOR ACCURACY AND AUTHORIZES THE APPROVED RETURN TO BE E-FILED. MANAGEMENT WILL REVIEW THE RETURN WITH THE BOARD OF DIRECTORS AT THE NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS DETERMINES PRESIDENT'S COMPENSATION. A 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
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt011829017
IRS990/TotalAssetsEOYAmt012884839
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt0750
IRS990/TotalLiabilitiesBOYAmt09104597
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IRS990/TotalLiabilitiesGrp/BOYAmt09104597
IRS990/TotalLiabilitiesGrp/EOYAmt010221475
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02724420
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02663364
IRS990/TotalOtherCompensationAmt05150
IRS990/TotalProgramServiceRevenueAmt0450584
IRS990/TotalReportableCompFromOrgAmt077283
IRS990/TotalRevenueGrp/ExclusionAmt0102565
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0449834
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0553149
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0750
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IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KYLE TURNER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07158429865
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PUBLIC SERVICE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PUBL
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ReturnHeader/Filer/PhoneNum07158429865
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1854
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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/PreparationDt02026-02-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-02-18T13:03:49-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,884,839
Liabilities
$10,221,475
Net assets
$2,663,364
Revenue
$553,149
Expenses
$614,205
Net income
-$61,056
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$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
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