Civic Intelligence

Badger Globe Credit Union

990 • Fiscal year 2016 • EIN 39-0796087

Jan 01, 2016 to Dec 31, 2016 • Filed on Jan 17, 2017

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

37th percentile

0.87x

Higher debt load relative to assets than 37% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

47th percentile

20.12x

Higher debt load relative to revenue than 47% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

84th percentile

16%

Higher net margin than 84% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

84th percentile

$130,056

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 7.1% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

41st percentile

2.1%

Faster asset growth than 41% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

55th percentile

3.6%

Faster revenue growth than 55% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$42,297,389

Up $871,164 (+2.1%) from 2015

Net Assets

Up

$5,677,651

Up $286,842 (+5.3%) from 2015

Liabilities

Up

$36,619,738

Up $584,322 (+1.6%) from 2015

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin84th percentile

Revenue

Up

$1,820,484

Up $62,792 (+3.6%) from 2015

Expenses

Down

$1,533,642

Down $147,223 (-8.8%) from 2015

Net Income

Up

$286,842

Up $210,015 (+273%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth41st 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

2016

Assets$42,297,389
Liabilities$36,619,738
Net Assets$5,677,651
Open 2016 Filing

Operations Trend

Revenue Growth55th 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

2016

Revenue$1,820,484
Expenses$1,533,642
Net Income$286,842
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jan 17, 2017
Return Version
2016v3.0
Gross Receipts
$1,820,484
Mission and Program Overview

Mission

To exceed our members expectations through exceptional service

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$26,099,665$25,914,680▼ $184,985
Savings and Temporary Cash Investments$13,383,638$15,002,739▲ $1,619,101
Rtn Earn Endowment Incm Other Fnds$5,390,809$5,677,651▲ $286,842
Land, Buildings, and Equipment, Net$340,264$375,551▲ $35,287
Investments Program Related$669,334$350,112▼ $319,222
Cash and Non-Interest-Bearing Accounts$625,489$279,255▼ $346,234
Prepaid Expenses and Deferred Charges$208,784$151,806▼ $56,978
Accounts Receivable$349$119,450▲ $119,101
Total Assets$41,426,225$42,297,389▲ $871,164
Other Assets Total$98,702$103,796▲ $5,094
Liabilities
Other Liabilities$35,428,340$35,833,981▲ $405,641
Accounts Payable and Accrued Expenses$607,076$785,757▲ $178,681
Total Liabilities$36,035,416$36,619,738▲ $584,322
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,390,809$5,677,651▲ $286,842
Total Liabilities and Net Assets / Fund Balance$41,426,225$42,297,389▲ $871,164

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$226,915$539,943$766,858
Equipment$100,636$471,620$572,256
Land$48,000-$48,000
Investment Program Related Org$350,112--
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carla WatsonCEOTreasurerFT$107,477$22,579$130,056

Board Members and Trustees

NameTitle
Craig SamolinskiChair
Steve RoffersVice-Chair
David EvansDirector
Kara KrauseDirector
Ronald WolfDirector
Cynthia PhillipsSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,438,202
Investment Income
$377,452
Other Revenue
$4,830
Change in Net Assets
$286,842
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$767,407
Salaries, Compensation, and Employee Benefits$766,235
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$400,284
Office Expenses---$159,235
Pension Plan Contributions---$150,744
Current Officers, Directors, Trustees, and Key Employees---$107,477
Other Employee Benefits---$68,695
Information Technology---$60,820
Fees for Services Other---$58,314
Occupancy---$45,932
Payroll Taxes---$39,035
Depreciation Depletion---$36,519
Advertising---$29,225
All Other Expenses---$23,674
Payments to Affiliates---$22,813
Insurance---$22,302
Conferences and Meetings---$9,159
Fees for Services Accounting---$8,678
Travel---$8,619
Other Expenses-$4,641-$4,641
Fees for Services Legal---$4,088
Interest---$289
Total Functional Expenses$0$0$0$1,533,642
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$35,833,936
Accrued Dividends$45
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.”

CEO executive director top management comp Part VI line 15A

“Board Officers review salary survey from Wiscoinsin Credit Union 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
2017-01-17
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
13
Volunteers
6

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix365 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/RoyaltiesRevenueGrp/TotalRevenueColumnAmt02230
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05390809
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05677651
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013383638
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015002739
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0226915
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0539943
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0766858
IRS990ScheduleD/EquipmentGrp/BookValueAmt0100636
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0471620
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0572256
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0350112
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt048000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt048000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt035833936
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt145
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member SharesCertificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0375551
IRS990ScheduleD/TotalBookValueProgramRltdAmt0350112
IRS990ScheduleD/TotalLiabilityAmt035833981
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/ExplanationTxt4Board Officers review salary survey from Wiscoinsin Credit Union League.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Governing 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/FormAndLineReferenceDesc4CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt041426225
IRS990/TotalAssetsEOYAmt042297389
IRS990/TotalAssetsGrp/BOYAmt041426225
IRS990/TotalAssetsGrp/EOYAmt042297389
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01533642
IRS990/TotalGrossUBIAmt065
IRS990/TotalLiabilitiesBOYAmt036035416
IRS990/TotalLiabilitiesEOYAmt036619738
IRS990/TotalLiabilitiesGrp/BOYAmt036035416
IRS990/TotalLiabilitiesGrp/EOYAmt036619738
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05390809
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05677651
IRS990/TotalOtherCompensationAmt022579
IRS990/TotalProgramServiceRevenueAmt01438202
IRS990/TotalReportableCompFromOrgAmt0107477
IRS990/TotalRevenueGrp/ExclusionAmt0382282
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01438137
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01820484
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt065
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt041426225
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt042297389
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt08619
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.badgerglobecu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Carla Watson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09207222122
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-01-17
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392017312i0u5nal
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-11-08
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02017-11-08
ReturnHeader/FilingSecurityInformation/IPTm019:02:21
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/PreparationDt02017-11-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02017-11-08T18:51:43-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$42,297,389
Liabilities
$36,619,738
Net assets
$5,677,651
Revenue
$1,820,484
Expenses
$1,533,642
Net income
$286,842
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
2016Detailed filing. Detailed filing data is available for this year.$42.3$36.6$5.68$1.82$1.53$0.29
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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