Civic Intelligence

1 St Class Express Credit Union

990 • Fiscal year 2021 • EIN 39-0849876

Jan 01, 2021 to Dec 31, 2021 • Filed on Apr 15, 2022

Organization ProfileN/A
PO Box 1Waukesha, WI 53187

(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.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

56th percentile

21.82x

Higher debt load relative to revenue than 56% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Net Margin

65th percentile

6.1%

Higher net margin than 65% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

75th percentile

$45,723

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 31.1% of source-year revenue.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Asset Growth

99th percentile

34%

Faster asset growth than 99% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

19th percentile

-20%

Faster revenue growth than 19% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$3,694,971

Up $934,333 (+34%) from 2020

Net Assets

Up

$483,891

Up $8,983 (+1.9%) from 2020

Liabilities

Up

$3,211,080

Up $925,350 (+40%) from 2020

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin65th percentile

Revenue

Down

$147,160

Down $37,447 (-20%) from 2020

Expenses

Down

$138,177

Down $12,858 (-8.5%) from 2020

Net Income

Down

$8,983

Down $24,589 (-73%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth99th 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

2021

Assets$3,694,971
Liabilities$3,211,080
Net Assets$483,891
Open 2021 Filing

Operations Trend

Revenue Growth19th 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

2021

Revenue$147,160
Expenses$138,177
Net Income$8,983
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Apr 15, 2022
Return Version
2021v4.0
Gross Receipts
$147,160
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.

To encourage thrift among 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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$800,518$1,907,202▲ $1,106,684
Other Notes and Loans Receivable, Net$1,808,041$1,646,750▼ $161,291
Rtn Earn Endowment Incm Other Fnds$474,908$483,891▲ $8,983
Land, Buildings, and Equipment, Net$82,648$80,571▼ $2,077
Cash and Non-Interest-Bearing Accounts$36,093$23,177▼ $12,916
Investments Program Related$12,818$12,818→ $0
Prepaid Expenses and Deferred Charges$2,223$1,776▼ $447
Total Assets$2,760,638$3,694,971▲ $934,333
Other Assets Total$18,297$22,677▲ $4,380
Liabilities
Other Liabilities$2,267,740$3,179,598▲ $911,858
Accounts Payable and Accrued Expenses$17,990$31,482▲ $13,492
Total Liabilities$2,285,730$3,211,080▲ $925,350
Net Assets / Fund Balance
Total Net Assets Fund Balance$474,908$483,891▲ $8,983
Total Liabilities and Net Assets / Fund Balance$2,760,638$3,694,971▲ $934,333

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$40,571$51,993$92,564
Land$40,000-$40,000
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan RossPresidentFT$40,200$5,523$45,723

Board Members and Trustees

NameTitle
Cynthia KessenishChair
James MathewsVice Chair
Paul GorzalskiDirector
Christine MillardSecretary
John MorkinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$139,379
Investment Income
$1,181
Other Revenue
$6,600
Change in Net Assets
$8,983
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$75,765
Salaries, Compensation, and Employee Benefits$62,412
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---$40,200
Office Expenses---$24,521
Other Salaries and Wages---$12,774
Occupancy---$8,373
Depreciation Depletion---$5,467
Other Employee Benefits---$5,223
Fees for Services Other---$4,615
Conferences and Meetings---$4,545
Payroll Taxes---$4,215
Advertising---$3,117
Other Expenses---$2,000
Total Functional Expenses$0$0$0$138,177
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$3,179,598
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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

Form 990, Page 6, Part VI, Line 2

“Susan ross jacquelin leverance president employee family relationship”

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

Form 990, Page 6, Part VI, Line 11B

“Management provides necessary data to independent cpa who completes the return. Management reviews the return for accuracy, and then authorizes cpa to e-file the approved return. Management reviews the return with the directors at their next board meeting.”

Form 990, Page 6, Part VI, Line 12C

“We have no official conflict of interest policy, but the board is made aware of any potential conflict of interest at our board meetings, and approves any transactions involving a conflict.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors determines and approves all employee compensation. A salary survey is available for board use. The board approves the compensation, and this is noted in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and policies are available upon request. Financial statements are provided at the annual member meetings and they are posted at our locations.”

Filing and Contact Details

Filer

Filer Name
1st Class Express Credit Union
EIN
39-0849876
Phone
2625489328
Address
PO BOX 1, WAUKESHA, WI 53187

Signing Officer

Name
Susan Ross
Title
President
Phone
2625489328
Signed
2022-04-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan Ross
Formed
1932
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
9

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Raw XML Appendix318 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/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SUSAN ROSS JACQUELIN LEVERANCE PRESIDENT EMPLOYEE FAMILY RELATIONSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT CPA WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE DIRECTORS AT THEIR NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5WE HAVE NO OFFICIAL CONFLICT OF INTEREST POLICY, BUT THE BOARD IS MADE AWARE OF ANY POTENTIAL CONFLICT OF INTEREST AT OUR BOARD MEETINGS, AND APPROVES ANY TRANSACTIONS INVOLVING A CONFLICT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS DETERMINES AND APPROVES ALL EMPLOYEE COMPENSATION. A SALARY SURVEY IS AVAILABLE FOR BOARD USE. THE BOARD APPROVES THE COMPENSATION, AND THIS IS NOTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE PROVIDED AT THE ANNUAL MEMBER MEETINGS AND THEY ARE POSTED AT OUR LOCATIONS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02760638
IRS990/TotalAssetsEOYAmt03694971
IRS990/TotalAssetsGrp/BOYAmt02760638
IRS990/TotalAssetsGrp/EOYAmt03694971
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0138177
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02285730
IRS990/TotalLiabilitiesEOYAmt03211080
IRS990/TotalLiabilitiesGrp/BOYAmt02285730
IRS990/TotalLiabilitiesGrp/EOYAmt03211080
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0474908
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0483891
IRS990/TotalOtherCompensationAmt05523
IRS990/TotalProgramServiceRevenueAmt0139379
IRS990/TotalReportableCompFromOrgAmt040200
IRS990/TotalRevenueGrp/ExclusionAmt07781
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0139379
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0147160
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02760638
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03694971
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IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 1
IRS990/USAddress/CityNm0WAUKESHA
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd053187
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN ROSS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02625489328
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-04-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt01ST CLASS EXPRESS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt01STC
ReturnHeader/Filer/EIN0390849876
ReturnHeader/Filer/PhoneNum02625489328
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0461065712
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRENT WOOKEY CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 1512
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LA CROSSE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546021512
ReturnHeader/PreparerPersonGrp/PhoneNum06087920843
ReturnHeader/PreparerPersonGrp/PreparationDt02022-04-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
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ReturnHeader/ReturnTs02022-04-19T17:40:50-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0SUSAN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0ROSS
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,694,971
Liabilities
$3,211,080
Net assets
$483,891
Revenue
$147,160
Expenses
$138,177
Net income
$8,983
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
2021Detailed filing. Detailed filing data is available for this year.$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