Civic Intelligence

Simplicity Credit Union

990 • Fiscal year 2014 • EIN 39-0860994

Jan 01, 2014 to Dec 31, 2014 • Filed on May 11, 2015

Organization ProfileWWW.CENTRALCITYCU.COM

View Organization Page

222 Upham AvenueMarshfield, WI 54449-0790

(715) 387-3702

Siviq Scores

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

Liabilities / Assets

59th percentile

0.90x

Higher debt load relative to assets than 59% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

61st percentile

19.41x

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

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

53rd percentile

11%

Higher net margin than 53% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

61st percentile

$213,224

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

38th percentile

2.8%

Faster asset growth than 38% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

70th percentile

5.2%

Faster revenue growth than 70% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets59th percentile

Assets

Up

$209,653,537

Up $5,717,895 (+2.8%) from 2013

Net Assets

Up

$20,704,874

Up $1,490,259 (+7.8%) from 2013

Liabilities

Up

$188,948,663

Up $4,227,636 (+2.3%) from 2013

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin53rd percentile

Revenue

Up

$9,736,233

Up $478,810 (+5.2%) from 2013

Expenses

Down

$8,636,495

Down $115,490 (-1.3%) from 2013

Net Income

Up

$1,099,738

Up $594,300 (+118%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600M$400M$200M$0Assets 2010: $171,210,377Liabilities 2010: $153,052,620Net Assets 2010: $18,157,7572010Assets 2011: $179,777,271Liabilities 2011: $161,260,243Net Assets 2011: $18,517,0282011Assets 2012: $194,276,643Liabilities 2012: $174,872,211Net Assets 2012: $19,404,4322012Assets 2013: $203,935,642Liabilities 2013: $184,721,027Net Assets 2013: $19,214,6152013Assets 2014: $209,653,537Liabilities 2014: $188,948,663Net Assets 2014: $20,704,8742014Assets 2015: $224,201,044Liabilities 2015: $202,087,471Net Assets 2015: $22,113,5732015Assets 2017: $240,421,832Liabilities 2017: $214,001,205Net Assets 2017: $26,420,6272017Assets 2018: $248,218,049Liabilities 2018: $219,349,614Net Assets 2018: $28,868,4352018Assets 2019: $275,577,534Liabilities 2019: $244,082,179Net Assets 2019: $31,495,3552019Assets 2020: $337,112,672Liabilities 2020: $303,454,679Net Assets 2020: $33,657,9932020Assets 2021: $424,593,294Liabilities 2021: $385,821,569Net Assets 2021: $38,771,7252021Assets 2022: $432,153,101Liabilities 2022: $393,526,787Net Assets 2022: $38,626,3142022Assets 2024: $500,121,906Liabilities 2024: $454,269,750Net Assets 2024: $45,852,1562024

Highlighted filing

2014

Assets$209,653,537
Liabilities$188,948,663
Net Assets$20,704,874
Open 2014 Filing

Operations Trend

Revenue Growth70th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$30M$20M$10M$0Expenses 2010: $8,625,0022010Expenses 2011: $8,148,8662011Expenses 2012: $8,224,7432012Revenue 2013: $9,257,423Expenses 2013: $8,751,985Net Income 2013: $505,4382013Revenue 2014: $9,736,233Expenses 2014: $8,636,495Net Income 2014: $1,099,7382014Revenue 2015: $10,504,267Expenses 2015: $9,051,186Net Income 2015: $1,453,0812015Revenue 2017: $11,973,929Expenses 2017: $9,798,516Net Income 2017: $2,175,4132017Revenue 2018: $13,914,390Expenses 2018: $11,235,885Net Income 2018: $2,678,5052018Revenue 2019: $15,576,619Expenses 2019: $13,361,379Net Income 2019: $2,215,2402019Revenue 2020: $16,512,956Expenses 2020: $14,492,445Net Income 2020: $2,020,5112020Revenue 2021: $17,622,558Expenses 2021: $15,714,933Net Income 2021: $1,907,6252021Revenue 2022: $19,742,402Expenses 2022: $17,745,967Net Income 2022: $1,996,4352022Revenue 2024: $32,520,313Expenses 2024: $29,733,748Net Income 2024: $2,786,5652024

Highlighted filing

2014

Revenue$9,736,233
Expenses$8,636,495
Net Income$1,099,738
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 11, 2015
Return Version
2014v5.0
Gross Receipts
$9,736,233
Mission and Program Overview

Mission

A nonprofit member-owned thrift institution organized to provide financial services to individuals. Operations are primarily related to holding deposit for and making loans to members.

A nonprofit member-owned thrift institution organized to provide financial services to individuals. Operations are primarily related to holding deposits for and making loans to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$143,067,036$148,862,136▲ $5,795,100
Investments in Publicly Traded Securities$21,194,363$20,082,943▼ $1,111,420
Savings and Temporary Cash Investments$18,143,075$17,162,517▼ $980,558
Rtn Earn Endowment Incm Other Fnds$14,744,766$16,235,025▲ $1,490,259
Cash and Non-Interest-Bearing Accounts$9,516,013$11,081,983▲ $1,565,970
Pd in Cap Srpls Land Bldg Eqp Fund$4,469,849$4,469,849→ $0
Land, Buildings, and Equipment, Net$4,248,906$4,082,790▼ $166,116
Receivable From Disqualified Prsn-$1,163,162-
Investments Other Securities$1,061,171$1,088,571▲ $27,400
Receivables From Officers Etc-$921,700-
Prepaid Expenses and Deferred Charges$439,697$545,453▲ $105,756
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$203,935,642$209,653,537▲ $5,717,895
Other Assets Total$6,265,381$4,662,282▼ $1,603,099
Liabilities
Other Liabilities$183,626,015$187,714,430▲ $4,088,415
Accounts Payable and Accrued Expenses$1,095,012$1,234,233▲ $139,221
Total Liabilities$184,721,027$188,948,663▲ $4,227,636
Net Assets / Fund Balance
Total Net Assets Fund Balance$19,214,615$20,704,874▲ $1,490,259
Total Liabilities and Net Assets / Fund Balance$203,935,642$209,653,537▲ $5,717,895

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,126,242$2,584,601$3,710,843
Buildings$2,110,957$1,257,991$3,368,948
Land$513,167-$513,167
Other Land Buildings$123,862$206,715$330,577
Leasehold Improvements$208,562$66,115$274,677
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patricia WesenbergPresident/CEOFT$186,615$26,609$213,224
Susan FothExecutive Vice PresidentFT$94,531$33,260$127,791
Richard VoigtChairman-$1,080-$1,080
Mark PageVice Chair-$780-$780
Cliff WiernikDirector-$600-$600
Sue ShulferSecretary-$600-$600
Herb StephaniDirector-$550-$550
Patti Shafto-carlsonDirector-$500-$500
Bobbi BradleyDirector-$450-$450
John WelterDirector-$450-$450
Tom MccartenDirector-$450-$450

Highest Paid Contractors

ContractorServicesLocationCompensation
Fis - Accounting DepDebit Card ProcessingPO BOX 4535, Carol Stream, IL 60197$377,497
Intuit Financial ServicesWeb, Home Banking, Bill PaymentsPO BOX 515306, Los Angeles, CA 90051$291,519
IdscomStatement, Irs Forms Processing747 E WHITCOMB AVE, Madison Heights, MI 48071$140,478
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,152,184
Investment Income
$584,049
Other Revenue
$0
Change in Net Assets
$1,099,738

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,736,233
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$9,736,233
Total Revenue per Form 990
$9,736,233
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,678,068
Salaries, Compensation, and Employee Benefits$3,958,427
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,390,534
All Other Expenses---$891,875
Occupancy---$827,233
Other Employee Benefits---$803,592
Depreciation Depletion---$586,208
Current Officers, Directors, Trustees, and Key Employees---$365,938
Other Expenses---$324,949
Payroll Taxes---$239,409
Advertising---$166,583
Pension Plan Contributions---$158,954
Office Expenses---$100,797
Fees for Services Accounting---$46,121
Fees for Services Legal---$23,682
Insurance---$7,123
Total Functional Expenses$0$0$0$8,636,495

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,636,495
Total Expenses per Audited Statements$8,636,495
Total Expenses per Form 990$8,636,495
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$1,163,162-
Receivables from Officers, Directors, Trustees, and Key Employees-$921,700-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$187,714,430
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members are individuals living or working in adams, clark, jackson, marathon, portage, shawano, waupaca, waushara, wood counties and the township of alma; employees of the cp rail systems, copps company and corporation, delta dental plan of wisconsin, donaldson company, corporate express, herrschners, inc., napa distribution center, skyward, steel king industries, inc., sne corporation, sunrise medical, and stockholders or patrons of the tomorrow valley co-op. That have deposits with the credit union.”

Form 990, Part VI, Section A, Line 7A

“Board of directors is elected by members”

Form 990, Part VI, Section B, Line 11

“BOARD MEETING”

Form 990, Part VI, Section B, Line 12C

“The credit union has both a fraud and anit-bribery act policy in the handbook that employees are required to acknowledge each year that addreses preferential treatment, the acceptance of gifts from a third party to derive special favors, and unauthorized disclosure or manipulation of member account informaiton. All board members must sign a code of conduct agreement and conflict of interest statement and disclosure annually as part of the reorganizational meeting.”

Form 990, Part VI, Section B, Line 15

“Various sources of comparative data are used and ranges are determined for each position. These ranges are reviewed against industry standards each year and ajusted as necessary. The board reviews ceo annually and the ceo reviews performance of key employees annually.”

Form 990, Part VI, Section C, Line 18

“UPON REQUEST”

Form 990, Part VI, Section C, Line 19

“Financial statements are available upon request and an annual report is printed for each year-end. Any other requests for information would be submitted to the president/ceo or board chairman”

Filing and Contact Details

Filer

Filer Name
Central City Credit Union
EIN
39-0860994
Phone
7153873702
Address
222 UPHAM AVENUE, MARSHFIELD, WI 54449-0790

Signing Officer

Name
Patricia Wesenberg
Title
Executive Vice President
Phone
7153873702
Signed
2015-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan Foth
Formed
1949
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
9
Employees
94
Volunteers
9

Preparer

Firm
Hawkins Ash Cpas Llp
Address
2360 DUCK CREEK PARKWAY, GREEN BAY, WI 54303-3300
Preparer
Steven G Handrick
Phone
9203369850
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Home banking expense 303,790. Postage 133,477. Loan origination and servicing 132,768. Telephone 125,201. Surety bond expense 80,005. Service charges 60,494. Dues 49,857. Misc write offs 34,360. Taxes 9,715. Cash over & short 2,609. Atm cash over & short 190. Interest expense 18. Income tax expense -40,609.”

Form 990 Part XII Line 2C

“No change as the board of directors oversees the audit.”

Financial Statement Notes

PART X, LINE 2:

“U.s. Gaap requires management to evaluate tax positions taken by the credit union and recognize a tax liability (or asset) if the credit union has taken an uncertain position that more likely than not would be sustained upon examination by a taxing authority. Management has analyzed the tax positions taken by the credit union and has concluded that as of december 31, 2014, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The credit union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The credit union will recognize future accrued interest and penalties related to unrecognized tax benefits in income tax expense if incurred. The credit union is no longer subject to federal tax examination by tax authorities for years before 2011 and state examination for the years before 2010.”

Raw XML AppendixShowing 400 of 464 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/TitleTxt4DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01949
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt09736233
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt07123
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0584049
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0584049
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01061171
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01088571
IRS990/InvestmentsPubTradedSecGrp/BOYAmt021194363
IRS990/InvestmentsPubTradedSecGrp/EOYAmt020082943
IRS990/IRPDocumentCnt04017
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04115422
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04248906
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04082790
IRS990/LandBldgEquipCostOrOtherBssAmt08198212
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. OPERATIONS ARE PRIMARILY RELATED TO HOLDING DEPOSIT FOR AND MAKING LOANS TO MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt019214615
IRS990/NetAssetsOrFundBalancesEOYAmt020704874
IRS990/NetUnrelatedBusTxblIncmAmt0-14412
IRS990/NetUnrlzdGainsLossesInvstAmt0390521
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0827233
IRS990/OfficeExpensesGrp/TotalAmt0100797
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06265381
IRS990/OtherAssetsTotalGrp/EOYAmt04662282
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0803592
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON SHARES
IRS990/OtherExpensesGrp/Desc1DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc2PROVISION FOR BAD DEBT
IRS990/OtherExpensesGrp/Desc3OTHER EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0725014
IRS990/OtherExpensesGrp/TotalAmt1611483
IRS990/OtherExpensesGrp/TotalAmt2367000
IRS990/OtherExpensesGrp/TotalAmt3324949
IRS990/OtherLiabilitiesGrp/BOYAmt0183626015
IRS990/OtherLiabilitiesGrp/EOYAmt0187714430
IRS990/OtherSalariesAndWagesGrp/TotalAmt02390534
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0143067036
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0148862136
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0239409
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt04469849
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt04469849
IRS990/PensionPlanContributionsGrp/TotalAmt0158954
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0439697
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0545453
IRS990/PrincipalOfficerNm0SUSAN FOTH
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0PROG.SERV.REVENUE-RELA
IRS990/ProgramServiceRevenueGrp/Desc1ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09144844
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09144844
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17340
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt07340
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0590161
IRS990/PYOtherExpensesAmt04740046
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt08667262
IRS990/PYRevenuesLessExpensesAmt0505438
IRS990/PYSalariesCompEmpBnftPaidAmt04011939
IRS990/PYTotalExpensesAmt08751985
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09257423
IRS990/QuidProQuoContributionsInd00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt01163162
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0921700
IRS990/ReconcilationRevenueExpnssAmt01099738
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014744766
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt016235025
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018143075
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017162517
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02110957
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01257991
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03368948
IRS990ScheduleD/EquipmentGrp/BookValueAmt01126242
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02584601
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03710843
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08636495
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0513167
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0513167
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0208562
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt066115
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0274677
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0123862
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0206715
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0330577
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0187714430
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt09736233
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0U.S. GAAP REQUIRES MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD BE SUSTAINED UPON EXAMINATION BY A TAXING AUTHORITY. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2014, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS IN INCOME TAX EXPENSE IF INCURRED. THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL TAX EXAMINATION BY TAX AUTHORITIES FOR YEARS BEFORE 2011 AND STATE EXAMINATION FOR THE YEARS BEFORE 2010.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04082790
IRS990ScheduleD/TotalExpensesPerForm990Amt08636495
IRS990ScheduleD/TotalLiabilityAmt0187714430
IRS990ScheduleD/TotalRevenuePerForm990Amt09736233
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09736233
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08636495
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/FirstClassOrCharterTravelInd0X
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0186615
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt026609
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PATRICIA WESENBERG
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0213224
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CONTRACTUAL OBLIGATION.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1GROUP LIFE/SPLIT DOLLAR
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 1B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01163162
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1921700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT DOLLAR LIFE INSURANCE POLICY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SPLIT DOLLAR LIFE INSURANCE POLICY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0ROBERT KUBLANK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1PATRICIA WESENBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0FORMER CVO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1PRESIDENT/CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/TotalBalanceDueAmt02084862
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS ARE INDIVIDUALS LIVING OR WORKING IN ADAMS, CLARK, JACKSON, MARATHON, PORTAGE, SHAWANO, WAUPACA, WAUSHARA, WOOD COUNTIES AND THE TOWNSHIP OF ALMA; EMPLOYEES OF THE CP RAIL SYSTEMS, COPPS COMPANY AND CORPORATION, DELTA DENTAL PLAN OF WISCONSIN, DONALDSON COMPANY, CORPORATE EXPRESS, HERRSCHNERS, INC., NAPA DISTRIBUTION CENTER, SKYWARD, STEEL KING INDUSTRIES, INC., SNE CORPORATION, SUNRISE MEDICAL, AND STOCKHOLDERS OR PATRONS OF THE TOMORROW VALLEY CO-OP. THAT HAVE DEPOSITS WITH THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD OF DIRECTORS IS ELECTED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION HAS BOTH A FRAUD AND ANIT-BRIBERY ACT POLICY IN THE HANDBOOK THAT EMPLOYEES ARE REQUIRED TO ACKNOWLEDGE EACH YEAR THAT ADDRESES PREFERENTIAL TREATMENT, THE ACCEPTANCE OF GIFTS FROM A THIRD PARTY TO DERIVE SPECIAL FAVORS, AND UNAUTHORIZED DISCLOSURE OR MANIPULATION OF MEMBER ACCOUNT INFORMAITON. ALL BOARD MEMBERS MUST SIGN A CODE OF CONDUCT AGREEMENT AND CONFLICT OF INTEREST STATEMENT AND DISCLOSURE ANNUALLY AS PART OF THE REORGANIZATIONAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4VARIOUS SOURCES OF COMPARATIVE DATA ARE USED AND RANGES ARE DETERMINED FOR EACH POSITION. THESE RANGES ARE REVIEWED AGAINST INDUSTRY STANDARDS EACH YEAR AND AJUSTED AS NECESSARY. THE BOARD REVIEWS CEO ANNUALLY AND THE CEO REVIEWS PERFORMANCE OF KEY EMPLOYEES ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST AND AN ANNUAL REPORT IS PRINTED FOR EACH YEAR-END. ANY OTHER REQUESTS FOR INFORMATION WOULD BE SUBMITTED TO THE PRESIDENT/CEO OR BOARD CHAIRMAN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7HOME BANKING EXPENSE 303,790. POSTAGE 133,477. LOAN ORIGINATION AND SERVICING 132,768. TELEPHONE 125,201. SURETY BOND EXPENSE 80,005. SERVICE CHARGES 60,494. DUES 49,857. MISC WRITE OFFS 34,360. TAXES 9,715. CASH OVER & SHORT 2,609. ATM CASH OVER & SHORT 190. INTEREST EXPENSE 18. INCOME TAX EXPENSE -40,609.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8NO CHANGE AS THE BOARD OF DIRECTORS OVERSEES THE AUDIT.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990 PART XII LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$209,653,537
Liabilities
$188,948,663
Net assets
$20,704,874
Revenue
$9,736,233
Expenses
$8,636,495
Net income
$1,099,738
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$500$454$45.9$32.5$29.7$2.79
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$432$394$38.6$19.7$17.7$2.00
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$425$386$38.8$17.6$15.7$1.91
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$337$303$33.7$16.5$14.5$2.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$276$244$31.5$15.6$13.4$2.22
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$248$219$28.9$13.9$11.2$2.68
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$240$214$26.4$12.0$9.80$2.18
2015Detailed filing. Detailed filing data is available for this year.$224$202$22.1$10.5$9.05$1.45
2014Detailed filing. Detailed filing data is available for this year.$210$189$20.7$9.74$8.64$1.10
2013Detailed filing. Detailed filing data is available for this year.$204$185$19.2$9.26$8.75$0.51
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$194$175$19.4$8.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$180$161$18.5$8.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$171$153$18.2$8.63