Civic Intelligence

1 St Class Express Credit Union

990 • Fiscal year 2015 • EIN 39-0849876

Jan 01, 2015 to Dec 31, 2015 • Filed on May 13, 2016

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

69th percentile

0.87x

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

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

29th percentile

11.95x

Higher debt load relative to revenue than 29% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

86th percentile

16%

Higher net margin than 86% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

81st percentile

$49,549

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 26.9% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

87th percentile

7.2%

Faster asset growth than 87% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

54th percentile

0.3%

Faster revenue growth than 54% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$2,519,979

Up $169,292 (+7.2%) from 2014

Net Assets

Up

$317,364

Up $30,384 (+11%) from 2014

Liabilities

Up

$2,202,615

Up $138,908 (+6.7%) from 2014

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin86th percentile

Revenue

Up

$184,301

Up $481 (+0.3%) from 2014

Expenses

Up

$153,917

Up $21,062 (+16%) from 2014

Net Income

Down

$30,384

Down $20,581 (-40%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth87th 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

2015

Assets$2,519,979
Liabilities$2,202,615
Net Assets$317,364
Open 2015 Filing

Operations Trend

Revenue Growth54th 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

2015

Revenue$184,301
Expenses$153,917
Net Income$30,384
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$184,301
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$2,167,483$2,092,396▼ $75,087
Rtn Earn Endowment Incm Other Fnds$286,980$317,364▲ $30,384
Savings and Temporary Cash Investments$12,257$246,096▲ $233,839
Land, Buildings, and Equipment, Net$114,941$109,559▼ $5,382
Investments Program Related$43,424$41,658▼ $1,766
Cash and Non-Interest-Bearing Accounts$11,426$15,520▲ $4,094
Prepaid Expenses and Deferred Charges$1,156$14,750▲ $13,594
Total Assets$2,350,687$2,519,979▲ $169,292
Liabilities
Other Liabilities$2,062,284$2,195,384▲ $133,100
Accounts Payable and Accrued Expenses$1,423$7,231▲ $5,808
Total Liabilities$2,063,707$2,202,615▲ $138,908
Net Assets / Fund Balance
Total Net Assets Fund Balance$286,980$317,364▲ $30,384
Total Liabilities and Net Assets / Fund Balance$2,350,687$2,519,979▲ $169,292

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$69,559$21,457$91,016
Land$40,000-$40,000
Equipment-$13,862$13,862
Other Land Buildings-$4,728$4,728
Investment Program Related Org$21,085--
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jacquelin LeverancePresidentFT$43,180$6,369$49,549

Board Members and Trustees

NameTitle
Cynthia KessenichChair
James C MatthewsVice-Chair
Leonard LeissringDirector
Christine MillardSecretary
John MorkinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$178,094
Investment Income
$207
Other Revenue
$6,000
Change in Net Assets
$30,384
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$95,345
Salaries, Compensation, and Employee Benefits$58,572
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---$43,180
Office Expenses---$17,040
Occupancy---$12,656
Other Salaries and Wages---$12,237
Depreciation Depletion---$5,382
Payments to Affiliates---$4,512
Fees for Services Other---$4,475
Payroll Taxes---$3,155
Other Expenses-$1,959-$1,959
Advertising---$1,927
Conferences and Meetings---$1,851
All Other Expenses---$1,649
Travel---$1,515
Total Functional Expenses$0$0$0$153,917
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$2,189,835
Accrued Dividends$5,049
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
No
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

“Review at our monthly board meetings.”

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

Filer Name
1st Class Express Credit Union
EIN
39-0849876
Address
416 E Main Street, Waukesha, WI 53186

Signing Officer

Name
Jacquelin Leverance
Title
President
Phone
2625489328
Signed
2016-05-13
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

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix330 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/BooksInCareOfDetail/PhoneNum02625489328
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice-Chair
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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/ExplanationTxt3Review at our monthly board meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4They 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/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02350687
IRS990/TotalAssetsEOYAmt02519979
IRS990/TotalAssetsGrp/BOYAmt02350687
IRS990/TotalAssetsGrp/EOYAmt02519979
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0153917
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02063707
IRS990/TotalLiabilitiesEOYAmt02202615
IRS990/TotalLiabilitiesGrp/BOYAmt02063707
IRS990/TotalLiabilitiesGrp/EOYAmt02202615
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0286980
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0317364
IRS990/TotalOtherCompensationAmt06369
IRS990/TotalProgramServiceRevenueAmt0178094
IRS990/TotalReportableCompFromOrgAmt043180
IRS990/TotalRevenueGrp/ExclusionAmt06207
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0178094
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0184301
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02350687
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02519979
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt01515
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Jacquelin Leverance
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02625489328
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt01st Class Express Credit Union
ReturnHeader/Filer/BusinessNameControlTxt01STC
ReturnHeader/Filer/EIN0390849876
ReturnHeader/Filer/USAddress/AddressLine1Txt0416 E Main Street
ReturnHeader/Filer/USAddress/CityNm0Waukesha
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd053186
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/PreparationDt02016-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02016-05-13T15:24:47-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,519,979
Liabilities
$2,202,615
Net assets
$317,364
Revenue
$184,301
Expenses
$153,917
Net income
$30,384
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
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $1M-$5M nonprofits