Civic Intelligence

Two Rivers Community Credit Union

EIN 39-0787333 • 501(c)14 • Two Rivers, WI

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Profile

A cooperative, non-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 members to improve their economic and social conditions.

1516 19th StreetTwo Rivers, WI 54241

www.tworiverscu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2015

Liabilities / Revenue

95th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2015

Net Margin

8th percentile

-689%

Higher net margin than 8% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

79th percentile

-13%

Faster revenue growth than 79% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $7,157,190 (-100%) from 2014

Liabilities

Down

$0

Down $5,341,092 (-100%) from 2014

Net Assets

Down

$0

Down $1,816,098 (-100%) from 2014

Operations
Liabilities / Revenue95th percentileNet Margin8th percentile

Revenue

Down

$144,164

Down $20,637 (-13%) from 2014

Expenses

Up

$1,137,787

Up $899,191 (+377%) from 2014

Net Income

Down

-$993,623

Down $919,828 (-1246%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $7,082,610Liabilities 2010: $5,166,638Net Assets 2010: $1,915,9722010Assets 2011: $7,500,018Liabilities 2011: $5,583,815Net Assets 2011: $1,916,2032011Assets 2012: $7,388,261Liabilities 2012: $5,471,894Net Assets 2012: $1,916,3672012Assets 2013: $7,535,242Liabilities 2013: $5,645,349Net Assets 2013: $1,889,8932013Assets 2014: $7,157,190Liabilities 2014: $5,341,092Net Assets 2014: $1,816,0982014Assets 2015: $0Liabilities 2015: $0Net Assets 2015: $02015

Highlighted filing

2015

Assets$0
Liabilities$0
Net Assets$0
Open 2015 Filing

Operations Trend

Revenue Growth79th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.0M$0-$1.0MExpenses 2010: $269,7782010Expenses 2011: $237,8872011Revenue 2012: $221,700Expenses 2012: $221,536Net Income 2012: $1642012Revenue 2013: $192,657Expenses 2013: $219,131Net Income 2013: -$26,4742013Revenue 2014: $164,801Expenses 2014: $238,596Net Income 2014: -$73,7952014Revenue 2015: $144,164Expenses 2015: $1,137,787Net Income 2015: -$993,6232015

Highlighted filing

2015

Revenue$144,164
Expenses$1,137,787
Net Income-$993,623
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$144,164
Expenses
$1,137,787
Net income
-$993,623
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.14$1.14$0.99
2014Detailed filing. Detailed filing data is available for this year.$7.16$5.34$1.82$0.16$0.24$0.07
2013Detailed filing. Detailed filing data is available for this year.$7.54$5.65$1.89$0.19$0.22$0.03
2012Summary only. Only limited summary data is available for this year.$7.39$5.47$1.92$0.22$0.22$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.50$5.58$1.92$0.24
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.08$5.17$1.92$0.27
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 24, 2016
Return Version
2015v2.1
Gross Receipts
$144,164
Mission and Program Overview

Mission

A cooperative, non-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 members to improve their economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,225,550--
Other Notes and Loans Receivable, Net$2,254,970--
Rtn Earn Endowment Incm Other Fnds$1,816,098--
Land, Buildings, and Equipment, Net$240,587--
Cash and Non-Interest-Bearing Accounts$228,972--
Investments Program Related$178,944--
Prepaid Expenses and Deferred Charges$11,596--
Total Assets$7,157,190$0▼ $7,157,190
Other Assets Total$16,571--
Liabilities
Other Liabilities$5,337,712--
Accounts Payable and Accrued Expenses$3,380--
Total Liabilities$5,341,092$0▼ $5,341,092
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,816,098$0▼ $1,816,098
Total Liabilities and Net Assets / Fund Balance$7,157,190$0▼ $7,157,190
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Francis HonzikPresidentTreasurerFT$66,000$133,347$199,347

Board Members and Trustees

NameTitle
Gary GordonChairman
Robert SiselVice-Chair
Leon LaurinDirector
Gerald BehnkeSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$77,618
Investment Income
$66,221
Other Revenue
$325
Change in Net Assets
$-993,623
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$858,253
Salaries, Compensation, and Employee Benefits$279,534
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---$198,000
Other Salaries and Wages---$63,845
Information Technology---$59,481
Office Expenses---$26,606
Fees for Services Other---$15,039
Occupancy---$14,851
Insurance---$13,577
Payroll Taxes---$12,577
Depreciation Depletion---$9,788
Payments to Affiliates---$5,797
Other Employee Benefits---$5,112
Travel---$2,709
All Other Expenses---$1,351
Fees for Service Investment Mgmnt Fees---$787
Conferences and Meetings---$640
Advertising---$457
Fees for Services Accounting---$113
Other Expenses-$-7,000-$-7,000
Total Functional Expenses$0$0$0$1,137,787
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
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 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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).”

Member election for additional members Part VI line 7A

“The Board of Directors is elected by the membership utilizing their one vote per member”

Governing body decisions Part VI line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).”

Form 990 governing body review Part VI line 11

“Management will review the return before it is filed.”

Conflict of interest policy compliance Part VI line 12C

“Annually reviewed and signed.”

CEO executive director top management comp Part VI line 15A

“Annual review by the board of directors.”

Other officer or key employee compensation Part VI line 15B

“Annual review by the board of directors.”

Governing documents etc available to public Part VI line 19

“At our annual meeting.”

Filing and Contact Details

Filer

Filer Name
Two Rivers Community Credit Union
EIN
39-0787333
Address
1516 19th Street, Two Rivers, WI 54241

Signing Officer

Name
Francis Honzik
Title
President
Phone
9207947822
Signed
2016-04-24
Discuss with paid preparer
No

Organization Details

Principal Officer
Francis Honzik
Formed
1938
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
7
Volunteers
5

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Cessation of or significant change to any program service Part III line 3

“Two Rivers Community Credit Union merged with Verve,a Credit Union effective 01/01/2016. Members transferring from Two Rivers Community Credit Union have access to all products and services as of January 2016”

Explanation of other changes in net assets or fund balances Part XI line 9

“Net Asset Balance at the time of merger. All Net Assets were transferred to Verve, a Credit Union as part of merger.”

Raw XML Appendix343 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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IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4PresidentTreasurer
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/PersonNm0Verve a Credit Union
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management will review the return before it is filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Annually reviewed and signed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annual review by the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Annual review by the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7At our annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Two Rivers Community Credit Union merged with Verve,a Credit Union effective 01/01/2016. Members transferring from Two Rivers Community Credit Union have access to all products and services as of January 2016
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Net Asset Balance at the time of merger. All Net Assets were transferred to Verve, a Credit Union as part of merger.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Cessation of or significant change to any program service Part III line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Explanation of other changes in net assets or fund balances Part XI line 9
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IRS990/SignificantChangeInd0true
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt07157190
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt07157190
IRS990/TotalAssetsGrp/EOYAmt00
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IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01137787
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05341092
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt05341092
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01816098
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt01347
IRS990/TotalProgramServiceRevenueAmt077618
IRS990/TotalReportableCompFromOrgAmt0198000
IRS990/TotalRevenueGrp/ExclusionAmt066546
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt077618
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0144164
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07157190
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt02709
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.tworiverscu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Francis Honzik
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09207947822
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Two Rivers Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0TWOR
ReturnHeader/Filer/EIN0390787333
ReturnHeader/Filer/USAddress/AddressLine1Txt01516 19th Street
ReturnHeader/Filer/USAddress/CityNm0Two Rivers
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054241
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W2313 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02016-04-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02016-04-24T23:55:34-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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