Civic Intelligence

1 St Class Express Credit Union

990 • Fiscal year 2013 • EIN 39-0849876

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 12, 2014

Organization ProfileN/A
416 E Main StreetWaukesha, WI 53186

(262) 548-9328

Siviq Scores

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

Liabilities / Assets

87th percentile

0.90x

Higher debt load relative to assets than 87% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

28th percentile

12.24x

Higher debt load relative to revenue than 28% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

88th percentile

20%

Higher net margin than 88% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

72nd percentile

$45,443

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 24.7% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

84th percentile

6.6%

Faster asset growth than 84% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

27th percentile

-6.3%

Faster revenue growth than 27% of similar nonprofits.

2013 filings • $1M-$5M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$2,483,068

Up $153,095 (+6.6%) from 2012

Net Assets

Up

$236,015

Up $36,032 (+18%) from 2012

Liabilities

Up

$2,247,053

Up $117,063 (+5.5%) from 2012

Revenue And Expenses
Liabilities / Revenue28th percentileNet Margin88th percentile

Revenue

$183,645

No earlier filing loaded for comparison.

Expenses

Up

$147,613

Up $742 (+0.5%) from 2012

Net Income

$36,032

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth84th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $2,811,280Liabilities 2010: $2,624,550Net Assets 2010: $186,7302010Assets 2011: $2,404,379Liabilities 2011: $2,256,682Net Assets 2011: $147,6972011Assets 2012: $2,329,973Liabilities 2012: $2,129,990Net Assets 2012: $199,9832012Assets 2013: $2,483,068Liabilities 2013: $2,247,053Net Assets 2013: $236,0152013Assets 2014: $2,350,687Liabilities 2014: $2,063,707Net Assets 2014: $286,9802014Assets 2015: $2,519,979Liabilities 2015: $2,202,615Net Assets 2015: $317,3642015Assets 2016: $2,390,372Liabilities 2016: $2,032,273Net Assets 2016: $358,0992016Assets 2017: $2,422,859Liabilities 2017: $2,029,476Net Assets 2017: $393,3832017Assets 2018: $2,437,077Liabilities 2018: $2,031,585Net Assets 2018: $405,4922018Assets 2019: $2,280,890Liabilities 2019: $1,839,554Net Assets 2019: $441,3362019Assets 2020: $2,760,638Liabilities 2020: $2,285,730Net Assets 2020: $474,9082020Assets 2021: $3,694,971Liabilities 2021: $3,211,080Net Assets 2021: $483,8912021Assets 2022: $2,791,879Liabilities 2022: $2,299,130Net Assets 2022: $492,7492022Assets 2023: $2,559,587Liabilities 2023: $2,056,893Net Assets 2023: $502,6942023Assets 2024: $2,278,863Liabilities 2024: $1,799,990Net Assets 2024: $478,8732024

Highlighted filing

2013

Assets$2,483,068
Liabilities$2,247,053
Net Assets$236,015
Open 2013 Filing

Operations Trend

Revenue Growth27th percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $166,4362010Revenue 2011: $209,355Expenses 2011: $248,388Net Income 2011: -$39,0332011Expenses 2012: $146,8712012Revenue 2013: $183,645Expenses 2013: $147,613Net Income 2013: $36,0322013Revenue 2014: $183,820Expenses 2014: $132,855Net Income 2014: $50,9652014Revenue 2015: $184,301Expenses 2015: $153,917Net Income 2015: $30,3842015Revenue 2016: $186,091Expenses 2016: $145,356Net Income 2016: $40,7352016Revenue 2017: $166,747Expenses 2017: $131,463Net Income 2017: $35,2842017Revenue 2018: $164,597Expenses 2018: $152,488Net Income 2018: $12,1092018Revenue 2019: $175,938Expenses 2019: $140,094Net Income 2019: $35,8442019Revenue 2020: $184,607Expenses 2020: $151,035Net Income 2020: $33,5722020Revenue 2021: $147,160Expenses 2021: $138,177Net Income 2021: $8,9832021Revenue 2022: $153,938Expenses 2022: $145,080Net Income 2022: $8,8582022Revenue 2023: $178,601Expenses 2023: $168,656Net Income 2023: $9,9452023Revenue 2024: $177,273Expenses 2024: $201,094Net Income 2024: -$23,8212024

Highlighted filing

2013

Revenue$183,645
Expenses$147,613
Net Income$36,032
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 12, 2014
Return Version
2013v3.1
Gross Receipts
$183,645
Mission and Program Overview

Mission

To encourage thrift amount our members, to create a source of credit at a fair and reasonable cost, and to provide an opportunity for each of our members to improve their respective economic and social conditions.

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,987,572$1,952,424▼ $35,148
Savings and Temporary Cash Investments$176,930$365,492▲ $188,562
Rtn Earn Endowment Incm Other Fnds$199,983$236,015▲ $36,032
Land, Buildings, and Equipment, Net$112,074$105,141▼ $6,933
Investments Program Related$43,546$42,324▼ $1,222
Cash and Non-Interest-Bearing Accounts$8,584$14,198▲ $5,614
Prepaid Expenses and Deferred Charges$1,267$3,489▲ $2,222
Total Assets$2,329,973$2,483,068▲ $153,095
Liabilities
Other Liabilities$2,128,174$2,244,792▲ $116,618
Accounts Payable and Accrued Expenses$1,816$2,261▲ $445
Total Liabilities$2,129,990$2,247,053▲ $117,063
Net Assets / Fund Balance
Total Net Assets Fund Balance$199,983$236,015▲ $36,032
Total Liabilities and Net Assets / Fund Balance$2,329,973$2,483,068▲ $153,095

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$64,813$11,662$76,475
Land$40,000-$40,000
Other Land Buildings$328$4,400$4,728
Equipment-$2,168$2,168
Investment Program Related Org$21,085--
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jacquelin LeverancePresidentFT$43,000$2,443$45,443

Board Members and Trustees

NameTitle
James C MatthewsChairman
Cynthia KessenichVice Chair
Leonard LeissringVice Chair
Christine MillardSecretary
John MorkinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$177,315
Investment Income
$327
Other Revenue
$6,003
Change in Net Assets
$36,032
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$93,494
Salaries, Compensation, and Employee Benefits$54,119
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---$43,000
Other Expenses-$26,659-$26,659
Office Expenses---$16,446
Occupancy---$8,718
Other Salaries and Wages---$7,033
Depreciation Depletion---$6,933
Fees for Services Other---$4,948
Payments to Affiliates---$4,263
Payroll Taxes---$4,086
Conferences and Meetings---$1,800
Travel---$1,284
Advertising---$1,012
All Other Expenses---$982
Total Functional Expenses$0$0$0$147,613
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 SharesDeposits$2,233,906
Accrued Dividends$10,386
Security Deposit$500
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 organization's 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

“Review at our monthly board meetings.”

CEO executive director top management comp Part VI line 15A

“We use comparables from the classified ads and from the WCUL'S Staff Compensation annual survey.”

Governing documents etc available to public Part VI line 19

“They are available in our office, at our annual meeting as well as upon request.”

Filing and Contact Details

Filer

EIN
39-0849876

Signing Officer

Name
Jacquelin M Leverance
Title
President
Phone
2625489328
Signed
2014-11-12
Discuss with paid preparer
No

Organization Details

Principal Officer
Jacquelin Leverance
Formed
1932
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
8

Preparer

Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix340 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/BOYAmt01816
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02261
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0None
IRS990/AdvertisingGrp/TotalAmt01012
IRS990/AllOtherExpensesGrp/TotalAmt0982
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Jacquelin Leverance
IRS990/BooksInCareOfDetail/PhoneNum02625489328
IRS990/BooksInCareOfDetail/USAddress/AddressLine10416 E Main Street
IRS990/BooksInCareOfDetail/USAddress/City0Waukesha
IRS990/BooksInCareOfDetail/USAddress/State0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode053186
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt08584
IRS990/CashNonInterestBearingGrp/EOYAmt014198
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt043000
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt01800
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0327
IRS990/CYOtherExpensesAmt093494
IRS990/CYOtherRevenueAmt06003
IRS990/CYProgramServiceRevenueAmt0177315
IRS990/CYRevenuesLessExpensesAmt036032
IRS990/CYSalariesCompEmpBnftPaidAmt054119
IRS990/CYTotalExpensesAmt0147613
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0183645
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt06933
IRS990/Desc0We have deposit, transaction, and investment accounts with 650 members at 12/31/13. During 2013, we opened 29 new deposit, transaction and investment accounts.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesOtherGrp/TotalAmt04948
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540.00
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/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt52443
IRS990/Form990PartVIISectionAGrp/PersonNm0Leonard Leissring
IRS990/Form990PartVIISectionAGrp/PersonNm1John Morkin
IRS990/Form990PartVIISectionAGrp/PersonNm2Christine Millard
IRS990/Form990PartVIISectionAGrp/PersonNm3Cynthia Kessenich
IRS990/Form990PartVIISectionAGrp/PersonNm4James C Matthews
IRS990/Form990PartVIISectionAGrp/PersonNm5Jacquelin Leverance
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt543000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt4Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5President
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01932
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0183645
IRS990/GrossRentsGrp/RealAmt06000
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt0327
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0327
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt043546
IRS990/InvestmentsProgramRelatedGrp/EOYAmt042324
IRS990/IRPDocumentCnt0120
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt018230
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0112074
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0105141
IRS990/LandBldgEquipCostOrOtherBssAmt0123371
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0None
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0199983
IRS990/NetAssetsOrFundBalancesEOYAmt0236015
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt06000
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt06000
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt08718
IRS990/OfficeExpensesGrp/TotalAmt016446
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Dividends to Members
IRS990/OtherExpensesGrp/Desc1Member InsNCUSIF
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc3Provision for Loan Loss
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt017318
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11835
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21296
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt326659
IRS990/OtherExpensesGrp/TotalAmt017318
IRS990/OtherExpensesGrp/TotalAmt11835
IRS990/OtherExpensesGrp/TotalAmt21296
IRS990/OtherExpensesGrp/TotalAmt326659
IRS990/OtherLiabilitiesGrp/BOYAmt02128174
IRS990/OtherLiabilitiesGrp/EOYAmt02244792
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0Misc Operating Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03
IRS990/OtherRevenueTotalAmt03
IRS990/OtherSalariesAndWagesGrp/TotalAmt07033
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01987572
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01952424
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt04263
IRS990/PayrollTaxesGrp/TotalAmt04086
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01267
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03489
IRS990/PrincipalOfficerNm0Jacquelin Leverance
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Other Member Fee Inc
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0173627
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13688
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0173627
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13688
IRS990/ProgSrvcAccomActy2Grp/Desc0We funded 61 loans during 2013. As of 12/31/13, we had 13 mortgages/home equity and 263 consumer loans.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0188
IRS990/PYOtherExpensesAmt089081
IRS990/PYOtherRevenueAmt06000
IRS990/PYProgramServiceRevenueAmt0192969
IRS990/PYRevenuesLessExpensesAmt052286
IRS990/PYSalariesCompEmpBnftPaidAmt057790
IRS990/PYTotalExpensesAmt0146871
IRS990/PYTotalRevenueAmt0199157
IRS990/ReconcilationRevenueExpnssAmt036032
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt06000
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0199983
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0236015
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0176930
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0365492
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt064813
IRS990ScheduleD/BuildingsGrp/DepreciationAmt011662
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt076475
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02168
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02168
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt021239
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt121085
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization Deposit
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CCCU PIC & MCS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt040000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt040000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0328
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt04400
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt04728
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02233906
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110386
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member SharesDeposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Security Deposit
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0105141
IRS990ScheduleD/TotalBookValueProgramRltdAmt042324
IRS990ScheduleD/TotalLiabilityAmt02244792
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 organization's 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/ExplanationTxt3Review at our monthly board meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4We use comparables from the classified ads and from the WCUL'S Staff Compensation annual survey.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5They are available in our office, at our annual meeting as well as upon request.
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/TotalAssetsBOYAmt02329973
IRS990/TotalAssetsEOYAmt02483068
IRS990/TotalAssetsGrp/BOYAmt02329973
IRS990/TotalAssetsGrp/EOYAmt02483068
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0147613
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02129990
IRS990/TotalLiabilitiesEOYAmt02247053
IRS990/TotalLiabilitiesGrp/BOYAmt02129990
IRS990/TotalLiabilitiesGrp/EOYAmt02247053
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0199983
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0236015
IRS990/TotalOtherCompensationAmt02443
IRS990/TotalProgramServiceRevenueAmt0177315
IRS990/TotalReportableCompFromOrgAmt043000
IRS990/TotalRevenueGrp/ExclusionAmt06327
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0177318
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0183645
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02329973
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02483068
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt01284
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Jacquelin M Leverance
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02625489328
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-12
ReturnHeader/Filer/BusinessName/BusinessNameLine101st Class Express Credit Union
ReturnHeader/Filer/BusinessNameControlTxt01STC
ReturnHeader/Filer/EIN0390849876
ReturnHeader/Filer/USAddress/AddressLine10416 E Main Street
ReturnHeader/Filer/USAddress/City0Waukesha
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053186
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-11-12T15:58:52-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,483,068
Liabilities
$2,247,053
Net assets
$236,015
Revenue
$183,645
Expenses
$147,613
Net income
$36,032
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.28$1.80$0.48$0.18$0.20$0.02
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.56$2.06$0.50$0.18$0.17$0.01
2022Detailed filing. Detailed filing data is available for this year.$2.79$2.30$0.49$0.15$0.15$0.01
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.69$3.21$0.48$0.15$0.14$0.01
2020Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$2.76$2.29$0.47$0.18$0.15$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.28$1.84$0.44$0.18$0.14$0.04
2018Detailed filing. Detailed filing data is available for this year.$2.44$2.03$0.41$0.16$0.15$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.42$2.03$0.39$0.17$0.13$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.39$2.03$0.36$0.19$0.15$0.04
2015Detailed filing. Detailed filing data is available for this year.$2.52$2.20$0.32$0.18$0.15$0.03
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.35$2.06$0.29$0.18$0.13$0.05
2013Detailed filing. Detailed filing data is available for this year.$2.48$2.25$0.24$0.18$0.15$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.33$2.13$0.20$0.15
2011Summary only. Only limited summary data is available for this year.$2.40$2.26$0.15$0.21$0.25$0.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.81$2.62$0.19$0.17