Civic Intelligence

1 St Class Express Credit Union

990 • Fiscal year 2016 • EIN 39-0849876

Jan 01, 2016 to Dec 31, 2016 • Filed on Sep 15, 2017

Organization ProfileN/A
PO Box 1Waukesha, WI 53187-0001

(262) 548-9328

Siviq Scores

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

Liabilities / Assets

61st percentile

0.85x

Higher debt load relative to assets than 61% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

19th percentile

10.92x

Higher debt load relative to revenue than 19% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

92nd percentile

22%

Higher net margin than 92% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

75th percentile

$44,600

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 24.0% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

23rd percentile

-5.1%

Faster asset growth than 23% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

63rd percentile

1.0%

Faster revenue growth than 63% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets61st percentile

Assets

Down

$2,390,372

Down $129,607 (-5.1%) from 2015

Net Assets

Up

$358,099

Up $40,735 (+13%) from 2015

Liabilities

Down

$2,032,273

Down $170,342 (-7.7%) from 2015

Revenue And Expenses
Liabilities / Revenue19th percentileNet Margin92nd percentile

Revenue

Up

$186,091

Up $1,790 (+1.0%) from 2015

Expenses

Down

$145,356

Down $8,561 (-5.6%) from 2015

Net Income

Up

$40,735

Up $10,351 (+34%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth23rd 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

2016

Assets$2,390,372
Liabilities$2,032,273
Net Assets$358,099
Open 2016 Filing

Operations Trend

Revenue Growth63rd 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

2016

Revenue$186,091
Expenses$145,356
Net Income$40,735
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Sep 15, 2017
Return Version
2016v3.0
Gross Receipts
$186,091
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$2,092,396$2,029,088▼ $63,308
Rtn Earn Endowment Incm Other Fnds$317,364$358,099▲ $40,735
Savings and Temporary Cash Investments$246,096$193,342▼ $52,754
Land, Buildings, and Equipment, Net$109,559$104,177▼ $5,382
Investments Program Related$41,658$42,983▲ $1,325
Cash and Non-Interest-Bearing Accounts$15,520$17,282▲ $1,762
Prepaid Expenses and Deferred Charges$14,750$3,500▼ $11,250
Total Assets$2,519,979$2,390,372▼ $129,607
Liabilities
Other Liabilities$2,195,384$2,027,725▼ $167,659
Accounts Payable and Accrued Expenses$7,231$4,548▼ $2,683
Total Liabilities$2,202,615$2,032,273▼ $170,342
Net Assets / Fund Balance
Total Net Assets Fund Balance$317,364$358,099▲ $40,735
Total Liabilities and Net Assets / Fund Balance$2,519,979$2,390,372▼ $129,607

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$64,177$19,330$83,507
Land$40,000-$40,000
Equipment-$12,859$12,859
Other Land Buildings-$4,728$4,728
Investment Program Related Org$21,085--
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jacquelin LeverancePresidentFT$44,600$44,600

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
$179,408
Investment Income
$683
Other Revenue
$6,000
Change in Net Assets
$40,735
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$83,421
Salaries, Compensation, and Employee Benefits$61,935
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---$44,600
Office Expenses---$20,027
Occupancy---$18,347
Other Salaries and Wages---$13,376
Payments to Affiliates---$4,490
Payroll Taxes---$3,959
Fees for Services Other---$3,815
Other Expenses-$2,642-$2,642
Travel---$2,003
Conferences and Meetings---$1,665
Advertising---$1,592
All Other Expenses---$1,591
Total Functional Expenses$0$0$0$145,356
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$2,024,274
Accrued Dividends$2,951
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

“Upon request paper financial statements would be provide to members.”

Filing and Contact Details

Filer

Filer Name
1st Class Express Credit Union
EIN
39-0849876
Address
PO Box 1, Waukesha, WI 53187-0001

Signing Officer

Name
Jacquelin Leverance
Title
President
Phone
2625489328
Signed
2017-09-15
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
3
Volunteers
8

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix337 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/BOYAmt07231
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt04548
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0None
IRS990/AdvertisingGrp/TotalAmt01592
IRS990/AllOtherExpensesGrp/TotalAmt01591
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Jacquelin Leverance
IRS990/BooksInCareOfDetail/PhoneNum02625489328
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 1
IRS990/BooksInCareOfDetail/USAddress/CityNm0Waukesha
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0531870001
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt015520
IRS990/CashNonInterestBearingGrp/EOYAmt017282
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt044600
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt01665
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0683
IRS990/CYOtherExpensesAmt083421
IRS990/CYOtherRevenueAmt06000
IRS990/CYProgramServiceRevenueAmt0179408
IRS990/CYRevenuesLessExpensesAmt040735
IRS990/CYSalariesCompEmpBnftPaidAmt061935
IRS990/CYTotalExpensesAmt0145356
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0186091
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0We funded 57 loans during 2016. As of 12/31/16, we had 294 consumer loans and 6 mortgages/home equity loans.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesOtherGrp/TotalAmt03815
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/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
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/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
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/ReportableCompFromOrgAmt544600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5President
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01932
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0186091
IRS990/GrossRentsGrp/RealAmt06000
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt0683
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0683
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt041658
IRS990/InvestmentsProgramRelatedGrp/EOYAmt042983
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt036917
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0109559
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0104177
IRS990/LandBldgEquipCostOrOtherBssAmt0141094
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0None
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0317364
IRS990/NetAssetsOrFundBalancesEOYAmt0358099
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt06000
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt06000
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt018347
IRS990/OfficeExpensesGrp/TotalAmt020027
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Dividends to Members
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expense
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt013649
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt113600
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22642
IRS990/OtherExpensesGrp/TotalAmt013649
IRS990/OtherExpensesGrp/TotalAmt113600
IRS990/OtherExpensesGrp/TotalAmt22642
IRS990/OtherLiabilitiesGrp/BOYAmt02195384
IRS990/OtherLiabilitiesGrp/EOYAmt02027725
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0Misc Operating Income
IRS990/OtherSalariesAndWagesGrp/TotalAmt013376
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02092396
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02029088
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt04490
IRS990/PayrollTaxesGrp/TotalAmt03959
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt014750
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03500
IRS990/PrincipalOfficerNm0Jacquelin Leverance
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Other Member Fee Inc
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0174237
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15171
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0174237
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15171
IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 731 members at 12/31/16. During 2016, we opened 39 new deposit, transaction and investment accounts.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0207
IRS990/PYOtherExpensesAmt095345
IRS990/PYOtherRevenueAmt06000
IRS990/PYProgramServiceRevenueAmt0178094
IRS990/PYRevenuesLessExpensesAmt030384
IRS990/PYSalariesCompEmpBnftPaidAmt058572
IRS990/PYTotalExpensesAmt0153917
IRS990/PYTotalRevenueAmt0184301
IRS990/ReconcilationRevenueExpnssAmt040735
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt06000
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0317364
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0358099
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0246096
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0193342
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt064177
IRS990ScheduleD/BuildingsGrp/DepreciationAmt019330
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt083507
IRS990ScheduleD/EquipmentGrp/DepreciationAmt012859
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt012859
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt021898
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/DepreciationAmt04728
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt04728
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02024274
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12951
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member SharesDeposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Security Deposit
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0104177
IRS990ScheduleD/TotalBookValueProgramRltdAmt042983
IRS990ScheduleD/TotalLiabilityAmt02027725
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/ExplanationTxt3Review at our monthly board meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Upon request paper financial statements would be provide to members.
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/TotalAssetsBOYAmt02519979
IRS990/TotalAssetsEOYAmt02390372
IRS990/TotalAssetsGrp/BOYAmt02519979
IRS990/TotalAssetsGrp/EOYAmt02390372
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0145356
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02202615
IRS990/TotalLiabilitiesEOYAmt02032273
IRS990/TotalLiabilitiesGrp/BOYAmt02202615
IRS990/TotalLiabilitiesGrp/EOYAmt02032273
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0317364
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0358099
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0179408
IRS990/TotalReportableCompFromOrgAmt044600
IRS990/TotalRevenueGrp/ExclusionAmt06683
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0179408
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0186091
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02519979
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02390372
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt02003
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Jacquelin Leverance
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02625489328
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-09-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt01st Class Express Credit Union
ReturnHeader/Filer/BusinessNameControlTxt01STC
ReturnHeader/Filer/EIN0390849876
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 1
ReturnHeader/Filer/USAddress/CityNm0Waukesha
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd0531870001
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392017272ww2k1gj
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-09-29
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02017-09-29
ReturnHeader/FilingSecurityInformation/IPTm018:30:44
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/PreparationDt02017-09-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02017-09-29T18:04:57-04:00
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
$2,390,372
Liabilities
$2,032,273
Net assets
$358,099
Revenue
$186,091
Expenses
$145,356
Net income
$40,735
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
2016Detailed filing. Detailed filing data is available for this year.$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