Civic Intelligence

1 St Class Express Credit Union

990 • Fiscal year 2018 • EIN 39-0849876

Jan 01, 2018 to Dec 31, 2018 • Filed on Apr 10, 2019

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

54th percentile

0.83x

Higher debt load relative to assets than 54% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

31st percentile

12.34x

Higher debt load relative to revenue than 31% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Net Margin

55th percentile

7.4%

Higher net margin than 55% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

80th percentile

$54,450

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 33.1% of source-year revenue.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Asset Growth

63rd percentile

0.6%

Faster asset growth than 63% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

20th percentile

-1.3%

Faster revenue growth than 20% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$2,437,077

Up $14,218 (+0.6%) from 2017

Net Assets

Up

$405,492

Up $12,109 (+3.1%) from 2017

Liabilities

Up

$2,031,585

Up $2,109 (+0.1%) from 2017

Revenue And Expenses
Liabilities / Revenue31st percentileNet Margin55th percentile

Revenue

Down

$164,597

Down $2,150 (-1.3%) from 2017

Expenses

Up

$152,488

Up $21,025 (+16%) from 2017

Net Income

Down

$12,109

Down $23,175 (-66%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth63rd 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

2018

Assets$2,437,077
Liabilities$2,031,585
Net Assets$405,492
Open 2018 Filing

Operations Trend

Revenue Growth20th 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

2018

Revenue$164,597
Expenses$152,488
Net Income$12,109
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Apr 10, 2019
Return Version
2018v3.1
Gross Receipts
$164,597
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$1,749,848$2,018,659▲ $268,811
Rtn Earn Endowment Incm Other Fnds$393,383$405,492▲ $12,109
Savings and Temporary Cash Investments$514,352$261,211▼ $253,141
Land, Buildings, and Equipment, Net$100,655$94,972▼ $5,683
Investments Program Related$41,328$41,287▼ $41
Cash and Non-Interest-Bearing Accounts$15,017$19,801▲ $4,784
Prepaid Expenses and Deferred Charges$1,659$1,147▼ $512
Total Assets$2,422,859$2,437,077▲ $14,218
Liabilities
Other Liabilities$2,025,275$2,025,388▲ $113
Accounts Payable and Accrued Expenses$4,201$6,197▲ $1,996
Total Liabilities$2,029,476$2,031,585▲ $2,109
Net Assets / Fund Balance
Total Net Assets Fund Balance$393,383$405,492▲ $12,109
Total Liabilities and Net Assets / Fund Balance$2,422,859$2,437,077▲ $14,218

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$53,412$35,762$89,174
Land$40,000-$40,000
Other Land Buildings-$4,728$4,728
Equipment$1,560$375$1,935
Investment Program Related Org$21,085--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jacquelin LeverancePresidentFT$43,200$11,250$54,450

Board Members and Trustees

NameTitle
Cynthia KessenichChairperson
James C MatthewsVice-Chairperson
Leonard LeissringDirector
Christine MillardSecretary
John MorkinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$148,818
Investment Income
$8,024
Other Revenue
$7,755
Change in Net Assets
$12,109
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$88,521
Salaries, Compensation, and Employee Benefits$63,967
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---$43,200
Office Expenses---$17,175
Other Salaries and Wages---$15,665
Occupancy---$12,267
Fees for Services Other---$6,654
Payroll Taxes---$5,102
Payments to Affiliates---$5,048
Advertising---$2,762
Other Expenses-$2,732-$2,732
Conferences and Meetings---$2,102
Travel---$1,368
All Other Expenses---$875
Total Functional Expenses$0$0$0$152,488
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$2,021,884
Accrued Dividends$2,954
Security Deposit$550
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. Comparison of 990 to our financial statement”

Conflict of interest policy compliance Part VI line 12C

“We review the Board Member Duties and Responsibilities policy annually. The Board discusses any interests that could cause conflict.”

Governing documents etc available to public Part VI line 19

“Annually and upon request”

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
2019-04-10
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
1 E Main Street Suite 101, Madison, WI 53703
Preparer
Cari Thompson
Phone
6086404040
Raw XML Appendix346 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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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. Comparison of 990 to our financial statement
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4We review the Board Member Duties and Responsibilities policy annually. The Board discusses any interests that could cause conflict.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annually and 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/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
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ReturnHeader/BusinessOfficerGrp/PersonNm0Jacquelin Leverance
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02625489328
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-04-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt01st Class Express Credit Union
ReturnHeader/Filer/BusinessNameControlTxt01STC
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ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 1
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ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0128.92.120.210
ReturnHeader/FilingSecurityInformation/IPDt02019-04-11
ReturnHeader/FilingSecurityInformation/IPTm021:00:09
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01 E Main Street Suite 101
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Madison
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ReturnHeader/PreparerPersonGrp/PreparationDt02019-04-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02019-04-11T20:48:00-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,437,077
Liabilities
$2,031,585
Net assets
$405,492
Revenue
$164,597
Expenses
$152,488
Net income
$12,109
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