Civic Intelligence

1 St Class Express Credit Union

990 • Fiscal year 2023 • EIN 39-0849876

Jan 01, 2023 to Dec 31, 2023 • Filed on May 01, 2024

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

93rd percentile

0.80x

Higher debt load relative to assets than 93% of similar nonprofits.

2023 filings • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

32nd percentile

11.52x

Higher debt load relative to revenue than 32% of similar nonprofits.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2023

Net Margin

39th percentile

5.6%

Higher net margin than 39% of similar nonprofits.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

50th percentile

$25,912

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 14.5% of source-year revenue.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2023

Asset Growth

40th percentile

-8.3%

Faster asset growth than 40% of similar nonprofits.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

43rd percentile

16%

Faster revenue growth than 43% of similar nonprofits.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$2,559,587

Down $232,292 (-8.3%) from 2022

Net Assets

Up

$502,694

Up $9,945 (+2.0%) from 2022

Liabilities

Down

$2,056,893

Down $242,237 (-11%) from 2022

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin39th percentile

Revenue

Up

$178,601

Up $24,663 (+16%) from 2022

Expenses

Up

$168,656

Up $23,576 (+16%) from 2022

Net Income

Up

$9,945

Up $1,087 (+12%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth40th 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

2023

Assets$2,559,587
Liabilities$2,056,893
Net Assets$502,694
Open 2023 Filing

Operations Trend

Revenue Growth43rd 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

2023

Revenue$178,601
Expenses$168,656
Net Income$9,945
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
May 1, 2024
Return Version
2023v5.0
Gross Receipts
$178,601
Mission and Program Overview

Mission

None

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
Other Notes and Loans Receivable, Net$1,762,027$1,844,809▲ $82,782
Savings and Temporary Cash Investments$874,731$561,921▼ $312,810
Rtn Earn Endowment Incm Other Fnds$492,749$502,694▲ $9,945
Land, Buildings, and Equipment, Net$76,433$70,491▼ $5,942
Investments Program Related$27,712$27,712→ $0
Cash and Non-Interest-Bearing Accounts$16,439$27,303▲ $10,864
Prepaid Expenses and Deferred Charges$2,220$4,571▲ $2,351
Accounts Receivable$521--
Total Assets$2,791,879$2,559,587▼ $232,292
Other Assets Total$31,796$22,780▼ $9,016
Liabilities
Other Liabilities$2,277,997$2,041,637▼ $236,360
Accounts Payable and Accrued Expenses$21,133$15,256▼ $5,877
Total Liabilities$2,299,130$2,056,893▼ $242,237
Net Assets / Fund Balance
Total Net Assets Fund Balance$492,749$502,694▲ $9,945
Total Liabilities and Net Assets / Fund Balance$2,791,879$2,559,587▼ $232,292

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$28,244$67,027$95,271
Land$40,000-$40,000
Other Land Buildings$969$13,572$14,541
Equipment$1,278$362$1,640
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jacky LeverancePresidentPT$25,912-$25,912
Susan RossVice PresidePT$22,200$1,461$23,661

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
$140,414
Investment Income
$31,587
Other Revenue
$6,600
Change in Net Assets
$9,945
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$103,862
Salaries, Compensation, and Employee Benefits$64,794
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---$48,112
Office Expenses---$23,127
Occupancy---$13,382
Other Expenses---$12,471
Other Salaries and Wages---$10,588
Depreciation Depletion---$6,055
Payroll Taxes---$4,633
Fees for Services Other---$3,426
Advertising---$3,398
Conferences and Meetings---$2,447
Other Employee Benefits---$1,461
Fees for Services Legal---$56
Total Functional Expenses$0$0$0$168,656
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$2,041,637
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
Yes
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 vice pres president 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 the compensation for the president. A salary survey is available for board use. Board approval is noted in the board minutes.”

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

“The board of directors determines and approves the compensation for the vice president. A salary survey is available for board use. Board approval is noted in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents, policies, and financial statements are available upon request. Financial statements are also provided at the annual member meeting.”

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
Vice President
Phone
2625489328
Signed
2024-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jacky Leverance
Formed
1932
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
9

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Raw XML Appendix331 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/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 THE COMPENSATION FOR THE PRESIDENT. A SALARY SURVEY IS AVAILABLE FOR BOARD USE. BOARD APPROVAL IS NOTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE COMPENSATION FOR THE VICE PRESIDENT. A SALARY SURVEY IS AVAILABLE FOR BOARD USE. BOARD APPROVAL IS NOTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE ALSO PROVIDED AT THE ANNUAL MEMBER MEETING.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/ReturnTs02024-05-15T11:06:13-04:00
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ReturnHeader/TaxYr02023

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,559,587
Liabilities
$2,056,893
Net assets
$502,694
Revenue
$178,601
Expenses
$168,656
Net income
$9,945
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
2023Detailed filing. Detailed filing data is available for this year.$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