Civic Intelligence

Badger Globe Credit Union

990 • Fiscal year 2015 • EIN 39-0796087

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 01, 2016

Organization Profilewww.badgerglobecu.org

View Organization Page

260 N Green Bay RoadNeenah, WI 54956

(920) 722-2122

Siviq Scores

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

Liabilities / Assets

41st percentile

0.87x

Higher debt load relative to assets than 41% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

51st percentile

20.50x

Higher debt load relative to revenue than 51% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

35th percentile

4.4%

Higher net margin than 35% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

81st percentile

$128,117

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 7.3% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

38th percentile

1.6%

Faster asset growth than 38% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

46th percentile

0.9%

Faster revenue growth than 46% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$41,426,225

Up $637,138 (+1.6%) from 2014

Net Assets

Up

$5,390,809

Up $76,827 (+1.4%) from 2014

Liabilities

Up

$36,035,416

Up $560,311 (+1.6%) from 2014

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin35th percentile

Revenue

Up

$1,757,692

Up $15,097 (+0.9%) from 2014

Expenses

Up

$1,680,865

Up $97,341 (+6.1%) from 2014

Net Income

Down

$76,827

Down $82,244 (-52%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$60M$40M$20M$0Assets 2010: $41,532,754Liabilities 2010: $36,588,093Net Assets 2010: $4,944,6612010Assets 2011: $40,130,034Liabilities 2011: $35,149,843Net Assets 2011: $4,980,1912011Assets 2012: $39,618,824Liabilities 2012: $34,553,545Net Assets 2012: $5,065,2792012Assets 2013: $39,300,386Liabilities 2013: $34,145,475Net Assets 2013: $5,154,9112013Assets 2014: $40,789,087Liabilities 2014: $35,475,105Net Assets 2014: $5,313,9822014Assets 2015: $41,426,225Liabilities 2015: $36,035,416Net Assets 2015: $5,390,8092015Assets 2016: $42,297,389Liabilities 2016: $36,619,738Net Assets 2016: $5,677,6512016Assets 2017: $43,218,048Liabilities 2017: $37,333,826Net Assets 2017: $5,884,2222017Assets 2018: $43,182,785Liabilities 2018: $37,043,647Net Assets 2018: $6,139,1382018Assets 2019: $45,705,248Liabilities 2019: $39,225,294Net Assets 2019: $6,479,9542019Assets 2020: $51,264,238Liabilities 2020: $44,557,445Net Assets 2020: $6,706,7932020Assets 2021: $55,930,644Liabilities 2021: $48,911,990Net Assets 2021: $7,018,6542021Assets 2022: $54,986,298Liabilities 2022: $47,790,932Net Assets 2022: $7,195,3662022Assets 2023: $51,840,108Liabilities 2023: $44,709,606Net Assets 2023: $7,130,5022023Assets 2024: $51,087,461Liabilities 2024: $43,908,021Net Assets 2024: $7,179,4402024

Highlighted filing

2015

Assets$41,426,225
Liabilities$36,035,416
Net Assets$5,390,809
Open 2015 Filing

Operations Trend

Revenue Growth46th percentile

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

$3.0M$2.0M$1.0M$0Expenses 2010: $2,191,3912010Revenue 2011: $2,179,753Expenses 2011: $2,144,223Net Income 2011: $35,5302011Expenses 2012: $1,882,1452012Revenue 2013: $1,811,175Expenses 2013: $1,721,543Net Income 2013: $89,6322013Revenue 2014: $1,742,595Expenses 2014: $1,583,524Net Income 2014: $159,0712014Revenue 2015: $1,757,692Expenses 2015: $1,680,865Net Income 2015: $76,8272015Revenue 2016: $1,820,484Expenses 2016: $1,533,642Net Income 2016: $286,8422016Revenue 2017: $1,834,101Expenses 2017: $1,627,530Net Income 2017: $206,5712017Revenue 2018: $1,913,770Expenses 2018: $1,658,854Net Income 2018: $254,9162018Revenue 2019: $1,944,190Expenses 2019: $1,702,503Net Income 2019: $241,6872019Revenue 2020: $1,945,348Expenses 2020: $1,718,509Net Income 2020: $226,8392020Revenue 2021: $1,838,591Expenses 2021: $1,526,730Net Income 2021: $311,8612021Revenue 2022: $1,886,033Expenses 2022: $1,709,321Net Income 2022: $176,7122022Revenue 2023: $2,232,111Expenses 2023: $2,202,899Net Income 2023: $29,2122023Revenue 2024: $2,587,066Expenses 2024: $2,538,128Net Income 2024: $48,9382024

Highlighted filing

2015

Revenue$1,757,692
Expenses$1,680,865
Net Income$76,827
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 1, 2016
Return Version
2015v2.1
Gross Receipts
$1,757,692
Mission and Program Overview

Mission

To exceed our members expectations through exceptional service

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$27,671,594$26,099,665▼ $1,571,929
Savings and Temporary Cash Investments$11,115,521$13,383,638▲ $2,268,117
Rtn Earn Endowment Incm Other Fnds$5,313,982$5,390,809▲ $76,827
Investments Program Related$659,798$669,334▲ $9,536
Cash and Non-Interest-Bearing Accounts$572,422$625,489▲ $53,067
Land, Buildings, and Equipment, Net$378,935$340,264▼ $38,671
Prepaid Expenses and Deferred Charges$167,313$208,784▲ $41,471
Accounts Receivable$-268$349▲ $617
Total Assets$40,789,087$41,426,225▲ $637,138
Other Assets Total$223,772$98,702▼ $125,070
Liabilities
Other Liabilities$34,989,027$35,428,340▲ $439,313
Accounts Payable and Accrued Expenses$486,078$607,076▲ $120,998
Total Liabilities$35,475,105$36,035,416▲ $560,311
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,313,982$5,390,809▲ $76,827
Total Liabilities and Net Assets / Fund Balance$40,789,087$41,426,225▲ $637,138

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$239,565$523,024$762,589
Equipment$52,699$596,435$649,134
Land$48,000-$48,000
Investment Program Related Org$311,511--
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carla WatsonCEOTreasurerFT$106,848$21,269$128,117

Board Members and Trustees

NameTitle
Craig SamolinskiChair
Cynthia PhillipsVice-Chair
David EvansDirector
Ronald WolfDirector
Steve RoffersDirector
Bryon SheaSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,412,153
Investment Income
$340,884
Other Revenue
$4,655
Change in Net Assets
$76,827
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$893,805
Salaries, Compensation, and Employee Benefits$787,060
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$410,550
Office Expenses---$160,081
Pension Plan Contributions---$149,217
Information Technology---$107,575
Current Officers, Directors, Trustees, and Key Employees---$106,848
Other Employee Benefits---$84,043
Occupancy---$44,932
Depreciation Depletion---$42,176
Fees for Services Other---$41,772
Payroll Taxes---$36,402
Advertising---$32,763
Travel---$22,097
Insurance---$21,691
Payments to Affiliates---$20,324
Fees for Services Accounting---$14,766
All Other Expenses---$12,057
Conferences and Meetings---$9,187
Fees for Services Legal---$6,748
Other Expenses-$1,666-$1,666
Total Functional Expenses$0$0$0$1,680,865
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member SharesCertificates$35,428,297
Accrued Dividends$43
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Conflict-of-interest policy
No
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 reviews the form 990 before it is filed.”

Conflict of interest policy compliance Part VI line 12C

“This is covered when they take the oath of office.”

CEO executive director top management comp Part VI line 15A

“Board Officers review salary survey from Wis C U League”

Governing documents etc available to public Part VI line 19

“Governing documents available upon request. Annual financial statements are printed in Annual Report which is available upon request, distributed at annual meeting and posted in lobby.”

Filing and Contact Details

Filer

Filer Name
Badger Globe Credit Union
EIN
39-0796087
Address
260 N Green Bay Road, Neenah, WI 54956

Signing Officer

Name
Carla Watson
Title
President
Phone
9207222122
Signed
2016-08-01
Discuss with paid preparer
No

Organization Details

Principal Officer
Carla Watson
Formed
1947
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
6
Employees
11
Volunteers
6

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix367 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/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt02400
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt02255
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt02255
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05313982
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05390809
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011115521
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013383638
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0239565
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0523024
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0762589
IRS990ScheduleD/EquipmentGrp/BookValueAmt052699
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0596435
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0649134
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0346323
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt11500
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt210000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3311511
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1WISCUB
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2Shared Service Center
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3CCCU MCS & PIC
IRS990ScheduleD/LandGrp/BookValueAmt048000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt048000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt035428297
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt143
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member SharesCertificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0340264
IRS990ScheduleD/TotalBookValueProgramRltdAmt0669334
IRS990ScheduleD/TotalLiabilityAmt035428340
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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 reviews the form 990 before it is filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4This is covered when they take the oath of office.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Board Officers review salary survey from Wis C U League
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Governing documents available upon request. Annual financial statements are printed in Annual Report which is available upon request, distributed at annual meeting and posted in lobby.
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/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt040789087
IRS990/TotalAssetsEOYAmt041426225
IRS990/TotalAssetsGrp/BOYAmt040789087
IRS990/TotalAssetsGrp/EOYAmt041426225
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01680865
IRS990/TotalGrossUBIAmt060
IRS990/TotalLiabilitiesBOYAmt035475105
IRS990/TotalLiabilitiesEOYAmt036035416
IRS990/TotalLiabilitiesGrp/BOYAmt035475105
IRS990/TotalLiabilitiesGrp/EOYAmt036035416
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05313982
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05390809
IRS990/TotalOtherCompensationAmt021269
IRS990/TotalProgramServiceRevenueAmt01412153
IRS990/TotalReportableCompFromOrgAmt0106848
IRS990/TotalRevenueGrp/ExclusionAmt0345539
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01412093
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01757692
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt060
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt040789087
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt041426225
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt022097
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.badgerglobecu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Carla Watson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09207222122
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-08-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Badger Globe Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0BADG
ReturnHeader/Filer/EIN0390796087
ReturnHeader/Filer/USAddress/AddressLine1Txt0260 N Green Bay Road
ReturnHeader/Filer/USAddress/CityNm0Neenah
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054956
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/PreparationDt02016-08-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02016-08-02T18:30:58-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$41,426,225
Liabilities
$36,035,416
Net assets
$5,390,809
Revenue
$1,757,692
Expenses
$1,680,865
Net income
$76,827
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.1$43.9$7.18$2.59$2.54$0.05
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.8$44.7$7.13$2.23$2.20$0.03
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$55.0$47.8$7.20$1.89$1.71$0.18
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$55.9$48.9$7.02$1.84$1.53$0.31
2020Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$51.3$44.6$6.71$1.95$1.72$0.23
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.7$39.2$6.48$1.94$1.70$0.24
2018Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$43.2$37.0$6.14$1.91$1.66$0.25
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.2$37.3$5.88$1.83$1.63$0.21
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$42.3$36.6$5.68$1.82$1.53$0.29
2015Detailed filing. Detailed filing data is available for this year.$41.4$36.0$5.39$1.76$1.68$0.08
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.8$35.5$5.31$1.74$1.58$0.16
2013Detailed filing. Detailed filing data is available for this year.$39.3$34.1$5.15$1.81$1.72$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.6$34.6$5.07$1.88
2011Summary only. Only limited summary data is available for this year.$40.1$35.1$4.98$2.18$2.14$0.04
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.5$36.6$4.94$2.19