Civic Intelligence

Enterprise Credit Union

990 • Fiscal year 2020 • EIN 39-0652280

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 14, 2021

Organization ProfileWWW.ENTERPRISECU.COM

View Organization Page

15850 West Bluemound RdBrookfield, WI 53005

(262) 797-6260

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Liabilities / Revenue

69th percentile

24.52x

Higher debt load relative to revenue than 69% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Net Margin

56th percentile

11%

Higher net margin than 56% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Top Officer Pay

49th percentile

$100,995

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Asset Growth

74th percentile

18%

Faster asset growth than 74% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Revenue Growth

8th percentile

-15%

Faster revenue growth than 8% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$32,356,546

Up $5,033,940 (+18%) from 2019

Net Assets

Up

$2,471,491

Up $226,032 (+10%) from 2019

Liabilities

Up

$29,885,055

Up $4,807,908 (+19%) from 2019

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin56th percentile

Revenue

Down

$1,218,590

Down $213,774 (-15%) from 2019

Expenses

Down

$1,089,301

Down $171,426 (-14%) from 2019

Net Income

Down

$129,289

Down $42,348 (-25%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth74th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$40M$30M$20M$10M$0Assets 2010: $30,820,382Liabilities 2010: $28,122,544Net Assets 2010: $2,697,8382010Assets 2011: $32,038,006Liabilities 2011: $30,207,911Net Assets 2011: $1,830,0952011Assets 2012: $28,965,694Liabilities 2012: $27,161,936Net Assets 2012: $1,803,7582012Assets 2013: $28,024,040Liabilities 2013: $26,421,426Net Assets 2013: $1,602,6142013Assets 2014: $28,375,176Liabilities 2014: $26,534,888Net Assets 2014: $1,840,2882014Assets 2015: $27,053,631Liabilities 2015: $25,308,374Net Assets 2015: $1,745,2572015Assets 2016: $26,192,522Liabilities 2016: $24,399,444Net Assets 2016: $1,793,0782016Assets 2017: $26,931,279Liabilities 2017: $25,026,160Net Assets 2017: $1,905,1192017Assets 2018: $26,228,176Liabilities 2018: $24,386,638Net Assets 2018: $1,841,5382018Assets 2019: $27,322,606Liabilities 2019: $25,077,147Net Assets 2019: $2,245,4592019Assets 2020: $32,356,546Liabilities 2020: $29,885,055Net Assets 2020: $2,471,4912020Assets 2021: $35,476,113Liabilities 2021: $33,274,909Net Assets 2021: $2,201,2042021Assets 2022: $34,282,099Liabilities 2022: $33,240,929Net Assets 2022: $1,041,1702022Assets 2023: $33,164,361Liabilities 2023: $31,564,804Net Assets 2023: $1,599,5572023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2020

Assets$32,356,546
Liabilities$29,885,055
Net Assets$2,471,491
Open 2020 Filing

Operations Trend

Revenue Growth8th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,391,4902010Expenses 2011: $2,532,1892011Expenses 2012: $1,759,2272012Revenue 2013: $1,676,725Expenses 2013: $1,672,915Net Income 2013: $3,8102013Revenue 2014: $1,565,797Expenses 2014: $1,494,524Net Income 2014: $71,2732014Revenue 2015: $1,421,948Expenses 2015: $1,390,658Net Income 2015: $31,2902015Revenue 2016: $1,122,548Expenses 2016: $1,094,355Net Income 2016: $28,1932016Revenue 2017: $1,063,132Expenses 2017: $991,909Net Income 2017: $71,2232017Revenue 2018: $1,229,916Expenses 2018: $1,163,434Net Income 2018: $66,4822018Revenue 2019: $1,432,364Expenses 2019: $1,260,727Net Income 2019: $171,6372019Revenue 2020: $1,218,590Expenses 2020: $1,089,301Net Income 2020: $129,2892020Revenue 2021: $1,227,785Expenses 2021: $1,054,163Net Income 2021: $173,6222021Revenue 2022: $1,435,199Expenses 2022: $1,111,267Net Income 2022: $323,9322022Revenue 2023: $1,483,950Expenses 2023: $1,225,692Net Income 2023: $258,2582023Revenue 2024: $1,526,778Expenses 2024: $2,444,921Net Income 2024: -$918,1432024

Highlighted filing

2020

Revenue$1,218,590
Expenses$1,089,301
Net Income$129,289
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 14, 2021
Return Version
2020v4.0
Gross Receipts
$1,231,121
Mission and Program Overview

Mission

A cooperative, not-for-profit corporation, incorporated to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its membership to improve their economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,569,154$13,418,339▼ $150,815
Investments Program Related$9,765,372$12,449,397▲ $2,684,025
Savings and Temporary Cash Investments$2,861,899$5,430,136▲ $2,568,237
Rtn Earn Endowment Incm Other Fnds$2,245,459$2,471,491▲ $226,032
Cash and Non-Interest-Bearing Accounts$456,123$375,201▼ $80,922
Prepaid Expenses and Deferred Charges$96,934$207,596▲ $110,662
Land, Buildings, and Equipment, Net$106,822$58,703▼ $48,119
Accounts Receivable$55,249$22,786▼ $32,463
Total Assets$27,322,606$32,356,546▲ $5,033,940
Other Assets Total$411,053$394,388▼ $16,665
Liabilities
Other Liabilities$24,796,396$29,553,343▲ $4,756,947
Accounts Payable and Accrued Expenses$272,431$322,366▲ $49,935
Escrow Account Liability$8,320$9,346▲ $1,026
Total Liabilities$25,077,147$29,885,055▲ $4,807,908
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,245,459$2,471,491▲ $226,032
Total Liabilities and Net Assets / Fund Balance$27,322,606$32,356,546▲ $5,033,940

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$45,971$302,318$348,289
Equipment$12,732$177,894$190,626
Investment Program Related Org$2,000--
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeff BashawPresident/ceFT$94,724$6,271$100,995
Barbara JaloskyCFOFT$71,287$4,594$75,881

Board Members and Trustees

NameTitle
Betty SteinbergerChair
George MooreVice Chair
Charlie KellyDirector
David IrwinSecretary
Gary SchmidTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$6,584
Program Service Revenue
$957,007
Investment Income
$249,175
Other Revenue
$5,824
Change in Net Assets
$129,289
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$562,101
Other Expenses$527,200
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$315,762
Occupancy---$166,493
Current Officers, Directors, Trustees, and Key Employees---$166,011
Office Expenses---$128,480
Information Technology---$101,354
Depreciation Depletion---$48,119
Fees for Services Other---$35,162
Payroll Taxes---$34,956
Insurance---$25,006
Other Employee Benefits---$23,065
Pension Plan Contributions---$22,307
Advertising---$8,506
Fees for Services Legal---$6,370
Fees for Services Accounting---$4,745
Conferences and Meetings---$4,093
Travel---$1,310
Other Expenses---$-46,539
Total Functional Expenses$0$0$0$1,089,301
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 and Deposits$29,342,150
Def Pension Liab$220,539
Escrow Balances to Line 21 Bal Sheet$-9,346
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 then authorizes cpa to e-file the approved return. Management reviews return with directors at the next board meeting.”

Form 990, Page 6, Part VI, Line 12C

“Insider accunts are reveiwed by senior management on a periodic basis. All employees and board members are required to disclose their outside interests to ensure that any conflicts are mitigated.”

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

“The board of directors reviews the ceo's performance and determines the compensation. The personnel committee documents the review and compensation decision in their committee meeting minutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents, conflict of interest policy, and financial stateements are provided to members upon request.”

Filing and Contact Details

Filer

Filer Name
Enterprise Credit Union
EIN
39-0652280
Phone
2627976260
Address
15850 WEST BLUEMOUND RD, BROOKFIELD, WI 53005

Signing Officer

Name
Barbara Jalosky
Title
CFO
Phone
2627976262
Signed
2021-04-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeff Bashaw
Formed
1935
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
17
Volunteers
6

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 - ORGANIZATION'S MISSION

“A cooperative, not-for-profit corporation, incorporated to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its membership to improve their economic and social conditions.”

Form 990, Part XI, Line 9

“Change in other comp income - pension -66,774”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The credit union holds funds in escrow accounts for property taxes related to mortgage loans.”

Raw XML Appendix395 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0272431
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0322366
IRS990/AccountsReceivableGrp/BOYAmt055249
IRS990/AccountsReceivableGrp/EOYAmt022786
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0A COOPERATIVE, NOT-FOR-PROFIT CORPORATION, INCORPORATED TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERSHIP TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.
IRS990/AdvertisingGrp/TotalAmt08506
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0BARBARA JALOSKY
IRS990/BooksInCareOfDetail/PhoneNum02627976260
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt015850 W BLUEMOUND RD
IRS990/BooksInCareOfDetail/USAddress/CityNm0BROOKFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd053005
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0456123
IRS990/CashNonInterestBearingGrp/EOYAmt0375201
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0166011
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt04093
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt06584
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0249175
IRS990/CYOtherExpensesAmt0527200
IRS990/CYOtherRevenueAmt05824
IRS990/CYProgramServiceRevenueAmt0957007
IRS990/CYRevenuesLessExpensesAmt0129289
IRS990/CYSalariesCompEmpBnftPaidAmt0562101
IRS990/CYTotalExpensesAmt01089301
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01218590
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt048119
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 161 NEW DEPOSIT ACCOUNTS IN 2020. AS OF 12/31/20 WE HAD 3,746 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt017
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt08320
IRS990/EscrowAccountLiabilityGrp/EOYAmt09346
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt04745
IRS990/FeesForServicesLegalGrp/TotalAmt06370
IRS990/FeesForServicesOtherGrp/TotalAmt035162
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt06271
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt14594
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0JEFF BASHAW
IRS990/Form990PartVIISectionAGrp/PersonNm1BARBARA JALOSKY
IRS990/Form990PartVIISectionAGrp/PersonNm2BETTY STEINBERGER
IRS990/Form990PartVIISectionAGrp/PersonNm3GEORGE MOORE
IRS990/Form990PartVIISectionAGrp/PersonNm4GARY SCHMID
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID IRWIN
IRS990/Form990PartVIISectionAGrp/PersonNm6CHARLIE KELLY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt094724
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt171287
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt09969
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GovernmentGrantsAmt06584
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt022500
IRS990/GrossReceiptsAmt01231121
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0101354
IRS990/InsuranceGrp/TotalAmt025006
IRS990/InvestmentIncomeGrp/ExclusionAmt0239206
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0239206
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt09765372
IRS990/InvestmentsProgramRelatedGrp/EOYAmt012449397
IRS990/IRPDocumentCnt0157
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0480212
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0106822
IRS990/LandBldgEquipBasisNetGrp/EOYAmt058703
IRS990/LandBldgEquipCostOrOtherBssAmt0538915
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt012531
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0A COOPERATIVE, NOT-FOR-PROFIT CORPORATION, INCORPORATED TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERSHIP TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02245459
IRS990/NetAssetsOrFundBalancesEOYAmt02471491
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt09969
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt09969
IRS990/NetUnrlzdGainsLossesInvstAmt0163517
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0166493
IRS990/OfficeExpensesGrp/TotalAmt0128480
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0411053
IRS990/OtherAssetsTotalGrp/EOYAmt0394388
IRS990/OtherChangesInNetAssetsAmt0-66774
IRS990/OtherEmployeeBenefitsGrp/TotalAmt023065
IRS990/OtherExpensesGrp/Desc0INDIRECT LENDING COMMISN
IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION LOAN LOSS ADJ
IRS990/OtherExpensesGrp/TotalAmt034928
IRS990/OtherExpensesGrp/TotalAmt19173
IRS990/OtherExpensesGrp/TotalAmt2-46539
IRS990/OtherLiabilitiesGrp/BOYAmt024796396
IRS990/OtherLiabilitiesGrp/EOYAmt029553343
IRS990/OtherSalariesAndWagesGrp/TotalAmt0315762
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt013569154
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013418339
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt034956
IRS990/PensionPlanContributionsGrp/TotalAmt022307
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt096934
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0207596
IRS990/PrincipalOfficerNm0JEFF BASHAW
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3520000
IRS990/ProgramServiceRevenueGrp/BusinessCd4560000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER MEMBER RELATED REVENUE
IRS990/ProgramServiceRevenueGrp/Desc3FEE & INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc4CVR/DMV FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0696237
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1228145
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt227672
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0696237
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1228145
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt227672
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt34637
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4316
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt04637
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1316
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 280 NEW LOANS TO OUR MEMBERS DURING 2020. AS OF 12/31/20 WE HAD 1,408 LOANS TO OUR MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt010000
IRS990/PYInvestmentIncomeAmt0369262
IRS990/PYOtherExpensesAmt0675608
IRS990/PYOtherRevenueAmt06805
IRS990/PYProgramServiceRevenueAmt01046297
IRS990/PYRevenuesLessExpensesAmt0171637
IRS990/PYSalariesCompEmpBnftPaidAmt0585119
IRS990/PYTotalExpensesAmt01260727
IRS990/PYTotalRevenueAmt01432364
IRS990/ReconcilationRevenueExpnssAmt0129289
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesRevenueGrp/ExclusionAmt05824
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt05824
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02245459
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02471491
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02861899
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05430136
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt012732
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0177894
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0190626
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt011648747
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1495000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2240285
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt350000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt46825
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt54040
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt62500
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt72000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0AFS SECURITIES WITH MATURITY > 1 YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1INVESTMENTS WITH MATURITY > 1 YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CORP CU CAPITAL ACCOUNTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3CUSO - WI SHARED SERVICE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4CUSO-PSCU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5CUSO-TRELLANCE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6CUSO - SERVION MORTGAGE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc7WISCUB
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd7C
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt045971
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0302318
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0348289
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt029342150
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1220539
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2-9346
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DEF PENSION LIAB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ESCROW BALANCES TO LINE 21 BAL SHEET
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt058703
IRS990ScheduleD/TotalBookValueProgramRltdAmt012449397
IRS990ScheduleD/TotalLiabilityAmt029553343
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COOPERATIVE, NOT-FOR-PROFIT CORPORATION, INCORPORATED TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERSHIP TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A 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/ExplanationTxt4MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS RETURN WITH DIRECTORS AT THE NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INSIDER ACCUNTS ARE REVEIWED BY SENIOR MANAGEMENT ON A PERIODIC BASIS. ALL EMPLOYEES AND BOARD MEMBERS ARE REQUIRED TO DISCLOSE THEIR OUTSIDE INTERESTS TO ENSURE THAT ANY CONFLICTS ARE MITIGATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEWS THE CEO'S PERFORMANCE AND DETERMINES THE COMPENSATION. THE PERSONNEL COMMITTEE DOCUMENTS THE REVIEW AND COMPENSATION DECISION IN THEIR COMMITTEE MEETING MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEEMENTS ARE PROVIDED TO MEMBERS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN OTHER COMP INCOME - PENSION -66,774
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt027322606
IRS990/TotalAssetsEOYAmt032356546
IRS990/TotalAssetsGrp/BOYAmt027322606
IRS990/TotalAssetsGrp/EOYAmt032356546
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt06584
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01089301
IRS990/TotalGrossUBIAmt04953
IRS990/TotalLiabilitiesBOYAmt025077147
IRS990/TotalLiabilitiesEOYAmt029885055
IRS990/TotalLiabilitiesGrp/BOYAmt025077147
IRS990/TotalLiabilitiesGrp/EOYAmt029885055
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02245459
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02471491
IRS990/TotalOtherCompensationAmt010865
IRS990/TotalProgramServiceRevenueAmt0957007
IRS990/TotalReportableCompFromOrgAmt0166011
IRS990/TotalRevenueGrp/ExclusionAmt0245030
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0962023
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01218590
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04953
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt027322606
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt032356546
IRS990/TravelGrp/TotalAmt01310
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt015850 W BLUEMOUND RD
IRS990/USAddress/CityNm0BROOKFIELD
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd053005
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.ENTERPRISECU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BARBARA JALOSKY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum02627976262
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ENTERPRISE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ENTE
ReturnHeader/Filer/EIN0390652280
ReturnHeader/Filer/PhoneNum02627976260
ReturnHeader/Filer/USAddress/AddressLine1Txt015850 WEST BLUEMOUND RD
ReturnHeader/Filer/USAddress/CityNm0BROOKFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd053005
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/PreparationDt02021-06-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02021-06-08T10:24:25-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0BARBARA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0JALOSKY
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$32,356,546
Liabilities
$29,885,055
Net assets
$2,471,491
Revenue
$1,218,590
Expenses
$1,089,301
Net income
$129,289
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$1.53$2.44$0.92
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.2$31.6$1.60$1.48$1.23$0.26
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.3$33.2$1.04$1.44$1.11$0.32
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.5$33.3$2.20$1.23$1.05$0.17
2020Detailed filing. Detailed filing data is available for this year.$32.4$29.9$2.47$1.22$1.09$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.3$25.1$2.25$1.43$1.26$0.17
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.2$24.4$1.84$1.23$1.16$0.07
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.9$25.0$1.91$1.06$0.99$0.07
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$26.2$24.4$1.79$1.12$1.09$0.03
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$27.1$25.3$1.75$1.42$1.39$0.03
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.4$26.5$1.84$1.57$1.49$0.07
2013Detailed filing. Detailed filing data is available for this year.$28.0$26.4$1.60$1.68$1.67$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.0$27.2$1.80$1.76
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.0$30.2$1.83$2.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.8$28.1$2.70$2.39