Civic Intelligence

A-B Credit Union

EIN 39-0877954

View Organization Page

225 W Greenfield Avenue53204
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

12th percentile

-100%

Faster asset growth than 12% of similar nonprofits.

<$500k nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $47,280,134 (-100%) from 2010

Liabilities

Down

$0

Down $44,071,196 (-100%) from 2010

Net Assets

Down

$0

Down $3,208,938 (-100%) from 2010

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$170,954

Down $4,889,024 (-97%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $47,280,134Liabilities 2010: $44,071,196Net Assets 2010: $3,208,9382010Assets 2011: $0Liabilities 2011: $0Net Assets 2011: $02011

Highlighted filing

2011

Assets$0
Liabilities$0
Net Assets$0
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0Expenses 2010: $5,059,9782010Expenses 2011: $170,9542011

Highlighted filing

2011

Revenue-
Expenses$170,954
Net Income-
Open 2011 Filing

Filings

Most recent year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
-
Expenses
$170,954
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.3$44.1$3.21$5.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 9, 2012
Return Version
2011v1.2
Gross Receipts
$236,151
Filing and Contact Details

Filer

EIN
39-0877954
Raw XML Appendix335 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.

Path#Value
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IRS990/AccountsPayableAccruedExpenses/BOY0511783
IRS990/ActivitiesConductedPartnership0false
IRS990/ActivityOrMissionDescription0A-B Credit Union is a member driven cooperative financial organization Our main goal is to provide quality personal financial services to our members and to maintain the long term financial stability of the credit union
IRS990/AddressPrincipalOfficerUS/AddressLine10PO Box 14047
IRS990/AddressPrincipalOfficerUS/City0Madison
IRS990/AddressPrincipalOfficerUS/State0WI
IRS990/AddressPrincipalOfficerUS/ZIPCode0537080047
IRS990/AllOtherExpenses/Total0915
IRS990/AnnualDisclosureCoveredPersons0true
IRS990/BenefitsPaidToMembersCY00
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IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY01205189
IRS990/ChangesToOrganizingDocs0false
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IRS990/ComplianceWithBackupWitholding0true
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IRS990/ConsolidatedAuditFinancialStmt0false
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IRS990/CreditCounseling0false
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IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total08432
IRS990/DescribedIn501C30false
IRS990/Description0A-B Credit Union merged 1312011 therefore we had no new loans or credit card accounts
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0true
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IRS990/DoNotFollowSFAS1170X
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IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek10.75
IRS990/Form990PartVIISectionA/AverageHoursPerWeek20.75
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek40.75
IRS990/Form990PartVIISectionA/AverageHoursPerWeek50.75
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IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/NamePerson0Bill Severson
IRS990/Form990PartVIISectionA/NamePerson1Bob Piekenbrock
IRS990/Form990PartVIISectionA/NamePerson2Elroy Gorski
IRS990/Form990PartVIISectionA/NamePerson3Lynne Schnitzka
IRS990/Form990PartVIISectionA/NamePerson4Nancy Baehmann
IRS990/Form990PartVIISectionA/NamePerson5Peter Nagel
IRS990/Form990PartVIISectionA/NamePerson6Anita Rauch
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IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/Title0Vice Chair
IRS990/Form990PartVIISectionA/Title1Director
IRS990/Form990PartVIISectionA/Title2Director
IRS990/Form990PartVIISectionA/Title3Chair
IRS990/Form990PartVIISectionA/Title4Secretary
IRS990/Form990PartVIISectionA/Title5Director
IRS990/Form990PartVIISectionA/Title6President Heritage CU
IRS990/Form990ProvidedToGoverningBody0false
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts0236151
IRS990/GrossRents/Real02500
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartIII0X
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InformationTechnology/Total05617
IRS990/InvestmentIncomeCurrentYear09596
IRS990/InvestmentIncome/ExclusionAmount09596
IRS990/InvestmentIncomePriorYear084403
IRS990/InvestmentIncome/TotalRevenueColumn09596
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsProgramRelated/BOY0472448
IRS990/LandBuildingsEquipmentBasisNet/BOY01623207
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0A-B Credit Union is a member driven cooperative financial organization Our main goal is to provide quality personal financial services to our members and to maintain the long term financial stability of the credit union
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Anita Rauch
IRS990/NbrIndependentVotingMembers05
IRS990/NbrVotingGoverningBodyMembers05
IRS990/NbrVotingMembersGoverningBody05
IRS990/NetAssetsOrFundBalancesBOY03208938
IRS990/NetAssetsOrFundBalancesEOY00
IRS990/NetRentalIncomeOrLoss/ExclusionAmount02500
IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn02500
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NoListedPersonsCompensated0X
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith109600
IRS990/NumberIndependentVotingMembers05
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfEmployees018
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total07609
IRS990/OfficeExpenses/Total010947
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY0138168
IRS990/OtherEmployeeBenefits/Total04985
IRS990/OtherExpensePriorYear04196530
IRS990/OtherExpensesCurrentYear0122551
IRS990/OtherExpenses/Description0Dividends to Members
IRS990/OtherExpenses/Description1Provision for Loan Losses
IRS990/OtherExpenses/Description2Loan Servicing Expense
IRS990/OtherExpenses/Description3Member InsuranceNCUSIF net
IRS990/OtherExpenses/Total031713
IRS990/OtherExpenses/Total124899
IRS990/OtherExpenses/Total28054
IRS990/OtherExpenses/Total312834
IRS990/OtherLiabilities/BOY043559413
IRS990/OtherNotesLoansReceivableNet/BOY034017474
IRS990/OtherRevenueCurrentYear02500
IRS990/OtherRevenuePriorYear030000
IRS990/OtherSalariesAndWages/Total038821
IRS990/PartialLiquidation0true
IRS990/PaymentsToAffiliates/Total0660
IRS990/PayrollTaxes/Total03642
IRS990/PensionPlanContributions/Total0955
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY022467
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1524298
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenueCY0224055
IRS990/ProgramServiceRevenue/Description0Interest on Loans
IRS990/ProgramServiceRevenue/Description1Insurance Sales
IRS990/ProgramServiceRevenue/Description2Member Fee Income
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IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome0210758
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome1779
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome211631
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IRS990/ProgramServiceRevenue/TotalRevenueColumn1779
IRS990/ProgramServiceRevenue/TotalRevenueColumn211631
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IRS990/ReconcilationOtherChanges0-3274135
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IRS990/RelatedOrgControlledEntity0false
IRS990/RentalIncomeOrLoss/Real02500
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0false
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0false
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY03208938
IRS990/RevenuesLessExpensesCY065197
IRS990/RevenuesLessExpensesPriorYear0-2206171
IRS990/SalariesEtcCurrentYear048403
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IRS990/SavingsAndTempCashInvestments/BOY09801181
IRS990/ScheduleBRequired0false
IRS990/ScheduleJRequired0false
IRS990ScheduleN/AssetsDistributed0true
IRS990ScheduleN/BondLiabilitiesDischarged0false
IRS990ScheduleN/BondsOutstanding0false
IRS990ScheduleN/DirectorOfSuccessor0false
IRS990ScheduleN/DirectorOfSuccessor20false
IRS990ScheduleN/EmployeeOfSuccessor0false
IRS990ScheduleN/EmployeeOfSuccessor20false
IRS990ScheduleN/LiabilitiesPaid0false
IRS990ScheduleN/LiquidationTable/LiquidationDetail/AddressUS/AddressLine101212 Huxley Street
IRS990ScheduleN/LiquidationTable/LiquidationDetail/AddressUS/City0Madison
IRS990ScheduleN/LiquidationTable/LiquidationDetail/AddressUS/State0WI
IRS990ScheduleN/LiquidationTable/LiquidationDetail/AddressUS/ZIPCode053704
IRS990ScheduleN/LiquidationTable/LiquidationDetail/DateOfDistribution02011-01-31
IRS990ScheduleN/LiquidationTable/LiquidationDetail/DescriptionOfAsset0All Assets & Liabilities of th
IRS990ScheduleN/LiquidationTable/LiquidationDetail/EIN0396048473
IRS990ScheduleN/LiquidationTable/LiquidationDetail/FMVOfAsset03274135
IRS990ScheduleN/LiquidationTable/LiquidationDetail/IRCSection0501c14
IRS990ScheduleN/LiquidationTable/LiquidationDetail/MethodOfFMVDetermination0Net Book Value
IRS990ScheduleN/LiquidationTable/LiquidationDetail/NamePerson0Heritage Credit Union
IRS990ScheduleN/OwnerOfSuccessor0false
IRS990ScheduleN/OwnerOfSuccessor20false
IRS990ScheduleN/ReceiveCompensation0false
IRS990ScheduleN/ReceiveCompensation20false
IRS990ScheduleN/RequiredToNotifyAG0false
IRS990ScheduleO/GeneralExplanation/Explanation0The organization consists of members To be a member one must have a sharesavings account Each member has one vote to elect the governing body Board of Directors
IRS990ScheduleO/GeneralExplanation/Explanation1The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/GeneralExplanation/Explanation2Each 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 ie NCUA Wisconsin Office of Credit Unions
IRS990ScheduleO/GeneralExplanation/Explanation3The Form 990 was prepared with the assistance of The League The management of Heritage Credit Union the successor credit union will review the form prior to filing
IRS990ScheduleO/GeneralExplanation/Explanation4Annually the employees and board are required to sign a conflict of interest statement Additionally as new products and services are offered to our members we make sure there is no conflict of interest
IRS990ScheduleO/GeneralExplanation/Explanation5Upon request
IRS990ScheduleO/GeneralExplanation/Explanation6Effective 1312011 A-B Credit Union merged with Heritage Credit Union
IRS990ScheduleO/GeneralExplanation/Explanation7Net Asset Balance at the time of merger All Net Assets were transferred to Heritage Credit Union as part of merger
IRS990ScheduleO/GeneralExplanation/Identifier001. Members or stockholder classes and rights (Part VI, line 6)
IRS990ScheduleO/GeneralExplanation/Identifier102. Member election for additional members (Part VI, line 7a)
IRS990ScheduleO/GeneralExplanation/Identifier203. Governing body decisions (Part VI, line 7b)
IRS990ScheduleO/GeneralExplanation/Identifier304. Form 990 governing body review (Part VI, line 11)
IRS990ScheduleO/GeneralExplanation/Identifier405. Conflict of interest policy compliance (Part VI, line 12c)
IRS990ScheduleO/GeneralExplanation/Identifier506. Governing documents, etc, available to public (Part VI, line 19)
IRS990ScheduleO/GeneralExplanation/Identifier607. Cessation of, or significant change to, any program service (Part III, line 3)
IRS990ScheduleO/GeneralExplanation/Identifier708. Explanation of other changes in net assets or fund balances (Part XI, line 5)
IRS990/ScheduleORequired0true
IRS990/School0false
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IRS990/StateLegalDomicile0WI
IRS990/TaxablePartyNotification0false
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IRS990/Terminated0true
IRS990/TerminatedReturn0X
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IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101212 Huxley Street
IRS990/TheBooksAreInCareOf/AddressUS/City0Madison
IRS990/TheBooksAreInCareOf/AddressUS/State0WI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode0537044295
IRS990/TheBooksAreInCareOf/NamePerson0Alan Zimprich
IRS990/TheBooksAreInCareOf/TelephoneNumber06082685090
IRS990/TotalAssets/BOY047280134
IRS990/TotalAssetsBOY047280134
IRS990/TotalAssets/EOY00
IRS990/TotalAssetsEOY00
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear0170954
IRS990/TotalExpensesPriorYear05059978
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
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IRS990/TotalGrossUBI00
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IRS990/TotalLiabilitiesBOY044071196
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IRS990/TotalLiabilitiesEOY00
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IRS990/TotalLiabNetAssetsFundBalances/EOY00
IRS990/TotalNbrEmployees018
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IRS990/TotalNetAssetsFundBalances/EOY00
IRS990/TotalOtherCompensation00
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IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue0224055
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IRS990/TotalReportableCompFromOrg00
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IRS990/TotalRevenuePriorYear02853807
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0224055
IRS990/TotalRevenue/TotalRevenueColumn0236151
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TransactionRelatedEntity0false
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0www.a-bcreditunion.com
IRS990/WhistleblowerPolicy0true
IRS990/YearFormation01932
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0390877954
ReturnHeader/Filer/Name/BusinessNameLine10A-B Credit Union
ReturnHeader/Filer/NameControl0A-BC
ReturnHeader/Filer/USAddress/AddressLine10225 W Greenfield Avenue
ReturnHeader/Filer/USAddress/City0Milwaukee
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053204
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02012-05-09
ReturnHeader/Officer/Name0Alan Zimprich
ReturnHeader/Officer/Phone04146455160
ReturnHeader/Officer/Title0Finance Dir H
ReturnHeader/Preparer/DatePrepared02012-05-14
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Pewaukee
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode053072
ReturnHeader/Preparer/Name0Cari Thompson
ReturnHeader/Preparer/Phone02625490200
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-05-14T17:24:08-05:00

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