Civic Intelligence

1 St Class Express Credit Union

990 • Fiscal year 2024 • EIN 39-0849876

Jan 01, 2024 to Dec 31, 2024 • Filed on Apr 23, 2025

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

0.79x

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

2024 filings • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

37th percentile

10.15x

Higher debt load relative to revenue than 37% of similar nonprofits.

2024 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

16th percentile

-13%

Higher net margin than 16% of similar nonprofits.

2024 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

44th percentile

$27,532

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 15.5% of source-year revenue.

2024 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2024

Asset Growth

29th percentile

-11%

Faster asset growth than 29% of similar nonprofits.

2024 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

25th percentile

-0.7%

Faster revenue growth than 25% of similar nonprofits.

2024 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$2,278,863

Down $280,724 (-11%) from 2023

Net Assets

Down

$478,873

Down $23,821 (-4.7%) from 2023

Liabilities

Down

$1,799,990

Down $256,903 (-12%) from 2023

Revenue And Expenses
Liabilities / Revenue37th percentileNet Margin16th percentile

Revenue

Down

$177,273

Down $1,328 (-0.7%) from 2023

Expenses

Up

$201,094

Up $32,438 (+19%) from 2023

Net Income

Down

-$23,821

Down $33,766 (-340%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth29th 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

2024

Assets$2,278,863
Liabilities$1,799,990
Net Assets$478,873
Open 2024 Filing

Operations Trend

Revenue Growth25th 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

2024

Revenue$177,273
Expenses$201,094
Net Income-$23,821
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 23, 2025
Return Version
2024v5.0
Gross Receipts
$177,273
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
Other Notes and Loans Receivable, Net$1,844,809$1,620,928▼ $223,881
Savings and Temporary Cash Investments$561,921$515,221▼ $46,700
Rtn Earn Endowment Incm Other Fnds$502,694$478,873▼ $23,821
Land, Buildings, and Equipment, Net$70,491$64,978▼ $5,513
Investments Program Related$27,712$27,712→ $0
Cash and Non-Interest-Bearing Accounts$27,303$24,653▼ $2,650
Prepaid Expenses and Deferred Charges$4,571$4,955▲ $384
Total Assets$2,559,587$2,278,863▼ $280,724
Other Assets Total$22,780$20,416▼ $2,364
Liabilities
Other Liabilities$2,041,637$1,787,768▼ $253,869
Accounts Payable and Accrued Expenses$15,256$12,222▼ $3,034
Total Liabilities$2,056,893$1,799,990▼ $256,903
Net Assets / Fund Balance
Total Net Assets Fund Balance$502,694$478,873▼ $23,821
Total Liabilities and Net Assets / Fund Balance$2,559,587$2,278,863▼ $280,724

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$24,062$71,209$95,271
Land$40,000-$40,000
Other Land Buildings-$14,541$14,541
Equipment$916$724$1,640
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan RossPresidentPT$26,000$1,532$27,532

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
$147,445
Investment Income
$23,828
Other Revenue
$6,000
Change in Net Assets
$-23,821
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$131,606
Salaries, Compensation, and Employee Benefits$69,488
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$37,081
Current Officers, Directors, Trustees, and Key Employees---$26,000
Office Expenses---$21,040
Other Expenses---$17,695
Occupancy---$7,327
Depreciation Depletion---$5,513
Payroll Taxes---$4,968
Fees for Services Other---$4,070
Advertising---$3,706
Conferences and Meetings---$3,594
Other Employee Benefits---$1,439
Fees for Services Legal---$661
Total Functional Expenses$0$0$0$201,094
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$1,787,768
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 president mbr serv rep 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 draft return for accuracy, and shares it with the board of directors for review and approval. Management then authorizes cpa to e-file the approved return.”

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

“The board of directors determines and approves the compensation for the president. A salary survey is used in the process. 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
President
Phone
2625489328
Signed
2025-04-23
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
5
Volunteers
8

Preparer

Firm
Brent Wookey CPA
Address
PO BOX 1512, LA CROSSE, WI 54602-1512
Preparer
Brent Wookey CPA
Phone
6087920843
Raw XML Appendix322 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/TitleTxt1CHAIR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SUSAN ROSS JACQUELIN LEVERANCE PRESIDENT MBR SERV REP 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 DRAFT RETURN FOR ACCURACY, AND SHARES IT WITH THE BOARD OF DIRECTORS FOR REVIEW AND APPROVAL. MANAGEMENT THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE COMPENSATION FOR THE PRESIDENT. A SALARY SURVEY IS USED IN THE PROCESS. BOARD APPROVAL IS NOTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE 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/ExplanationTxt7GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE ALSO PROVIDED AT THE ANNUAL MEMBER MEETING.
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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0502694
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0478873
IRS990/TotalOtherCompensationAmt01532
IRS990/TotalProgramServiceRevenueAmt0147445
IRS990/TotalReportableCompFromOrgAmt026000
IRS990/TotalRevenueGrp/ExclusionAmt029828
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0147445
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0177273
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02559587
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IRS990/USAddress/AddressLine1Txt0PO BOX 1
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IRS990/USAddress/StateAbbreviationCd0WI
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IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
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ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN ROSS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRENT WOOKEY CPA
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LA CROSSE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
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ReturnHeader/ReturnTs02025-05-09T18:54:58-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,278,863
Liabilities
$1,799,990
Net assets
$478,873
Revenue
$177,273
Expenses
$201,094
Net income
-$23,821
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$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