Civic Intelligence

Lakeside Credit Union

990 • Fiscal year 2011 • EIN 39-0924514

Jan 01, 2011 to Dec 31, 2011 • Filed on Apr 19, 2012

Organization Profile

View Organization Page

PO Box 24853154
Siviq Scores

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

Liabilities / Assets

87th percentile

0.76x

Higher debt load relative to assets than 87% of similar nonprofits.

2011 filings • $5M-$10M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

31st percentile

-2.8%

Faster asset growth than 31% of similar nonprofits.

2011 filings • $5M-$10M 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 / Assets87th percentile

Assets

Down

$8,232,597

Down $232,949 (-2.8%) from 2010

Net Assets

Up

$1,942,915

Up $5,431 (+0.3%) from 2010

Liabilities

Down

$6,289,682

Down $238,380 (-3.7%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$379,426

Down $51,175 (-12%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth31st percentile

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

$10M$5.0M$0Assets 2010: $8,465,546Liabilities 2010: $6,528,062Net Assets 2010: $1,937,4842010Assets 2011: $8,232,597Liabilities 2011: $6,289,682Net Assets 2011: $1,942,9152011Assets 2012: $8,539,434Liabilities 2012: $6,630,510Net Assets 2012: $1,908,9242012

Highlighted filing

2011

Assets$8,232,597
Liabilities$6,289,682
Net Assets$1,942,915
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0Expenses 2010: $430,6012010Expenses 2011: $379,4262011Expenses 2012: $380,2052012

Highlighted filing

2011

Revenue-
Expenses$379,426
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 19, 2012
Return Version
2011v1.2
Gross Receipts
$384,857
Mission and Program Overview

Major Activities

Activity 2
We funded 112 loans during 2011 As of 123111 we had 382 mortgageshome equity and 270 consumer loans We also had 20 credit card accounts
Filing and Contact Details

Filer

EIN
39-0924514
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
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY024803
IRS990/AccountsPayableAccruedExpenses/EOY027465
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0We funded 112 loans during 2011 As of 123111 we had 382 mortgageshome equity and 270 consumer loans We also had 20 credit card accounts
IRS990/ActivityOrMissionDescription0None
IRS990/Advertising/Total02329
IRS990/AllOtherExpenses/Total04911
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0650557
IRS990/CashNonInterestBearing/EOY0701335
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total044582
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0false
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total0471
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total031997
IRS990/DescribedIn501C30false
IRS990/Description0We have deposit transaction and investment accounts with 3166 members as of 1231 During 2011 we opened 60 new deposit transaction and investment accounts
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total05503
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek11.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek21.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek41.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek540.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/NamePerson0Edward Rigden
IRS990/Form990PartVIISectionA/NamePerson1Philip Zimmer
IRS990/Form990PartVIISectionA/NamePerson2Richard Nibeck
IRS990/Form990PartVIISectionA/NamePerson3Stanley Dziedzic
IRS990/Form990PartVIISectionA/NamePerson4Watler Stanz
IRS990/Form990PartVIISectionA/NamePerson5Wendy Bartel
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/Officer3X
IRS990/Form990PartVIISectionA/Officer4X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation56970
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization544582
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/Title0Vice Chair
IRS990/Form990PartVIISectionA/Title1Treasurer
IRS990/Form990PartVIISectionA/Title2Chairman
IRS990/Form990PartVIISectionA/Title3Secretary
IRS990/Form990PartVIISectionA/Title4Director
IRS990/Form990PartVIISectionA/Title5President
IRS990/Form990ProvidedToGoverningBody0false
IRS990/Form990-TFiled0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts0384857
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/Insurance/Total014255
IRS990/InvestmentIncomeCurrentYear016393
IRS990/InvestmentIncome/ExclusionAmount016393
IRS990/InvestmentIncomePriorYear019706
IRS990/InvestmentIncome/TotalRevenueColumn016393
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsProgramRelated/BOY0125487
IRS990/InvestmentsProgramRelated/EOY0128505
IRS990/LandBldgEquipmentAccumDeprec0600322
IRS990/LandBuildingsEquipmentBasis01023471
IRS990/LandBuildingsEquipmentBasisNet/BOY0356886
IRS990/LandBuildingsEquipmentBasisNet/EOY0423149
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0None
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Wendy Bartel
IRS990/NbrIndependentVotingMembers05
IRS990/NbrVotingGoverningBodyMembers05
IRS990/NbrVotingMembersGoverningBody05
IRS990/NetAssetsOrFundBalancesBOY01937484
IRS990/NetAssetsOrFundBalancesEOY01942915
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith10960204
IRS990/NumberIndependentVotingMembers05
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfEmployees07
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total037528
IRS990/OfficeExpenses/Total074678
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY08339
IRS990/OtherAssetsTotal/EOY09347
IRS990/OtherEmployeeBenefits/Total013144
IRS990/OtherExpensePriorYear0263629
IRS990/OtherExpensesCurrentYear0223870
IRS990/OtherExpenses/Description0Dividends to Members
IRS990/OtherExpenses/Description1Provision for Loan Loss
IRS990/OtherExpenses/Description2Loan Servicing Fees
IRS990/OtherExpenses/Description3NCUA Stabilization
IRS990/OtherExpenses/Total017434
IRS990/OtherExpenses/Total11300
IRS990/OtherExpenses/Total25350
IRS990/OtherExpenses/Total319198
IRS990/OtherLiabilities/BOY06503259
IRS990/OtherLiabilities/EOY06262217
IRS990/OtherNotesLoansReceivableNet/BOY05268648
IRS990/OtherNotesLoansReceivableNet/EOY04852825
IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/Total083282
IRS990/PartialLiquidation0false
IRS990/PaymentsToAffiliates/Total07681
IRS990/PayrollTaxes/Total014065
IRS990/PensionPlanContributions/Total0483
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY011129
IRS990/PrepaidExpensesDeferredCharges/EOY016936
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenue/BusinessCode3524298
IRS990/ProgramServiceRevenue/BusinessCode4519100
IRS990/ProgramServiceRevenueCY0368464
IRS990/ProgramServiceRevenue/Description0Interest on Loans
IRS990/ProgramServiceRevenue/Description1Member AccountCard Fee
IRS990/ProgramServiceRevenue/Description2Other Member Fees
IRS990/ProgramServiceRevenue/Description3Insurance Sales
IRS990/ProgramServiceRevenue/Description4Non-member ATM
IRS990/ProgramServiceRevenuePriorYear0421787
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome0293089
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome155368
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome214566
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome31509
IRS990/ProgramServiceRevenue/TotalRevenueColumn0293089
IRS990/ProgramServiceRevenue/TotalRevenueColumn155368
IRS990/ProgramServiceRevenue/TotalRevenueColumn214566
IRS990/ProgramServiceRevenue/TotalRevenueColumn31509
IRS990/ProgramServiceRevenue/TotalRevenueColumn41825
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue01825
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationOtherChanges00
IRS990/ReconcilationRevenueExpenses05431
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY01937484
IRS990/RetainedEarningsEndowmentEtc/EOY01942915
IRS990/RevenuesLessExpensesCY05431
IRS990/RevenuesLessExpensesPriorYear010892
IRS990/SalariesEtcCurrentYear0155556
IRS990/SalariesEtcPriorYear0166972
IRS990/SavingsAndTempCashInvestments/BOY02044500
IRS990/SavingsAndTempCashInvestments/EOY02100500
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue0242323
IRS990ScheduleD/Buildings/Depreciation0309644
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis0551967
IRS990ScheduleD/Equipment/BookValue06776
IRS990ScheduleD/Equipment/Depreciation0157300
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0164076
IRS990ScheduleD/InvestmentsProgramRelated/BookValue065013
IRS990ScheduleD/InvestmentsProgramRelated/BookValue163492
IRS990ScheduleD/InvestmentsProgramRelated/Description0NCUA Capitalization
IRS990ScheduleD/InvestmentsProgramRelated/Description1Corp Central CU MCS & PIC
IRS990ScheduleD/Land/BookValue070562
IRS990ScheduleD/Land/OtherCostOrOtherBasis070562
IRS990ScheduleD/OtherLandBuildings/BookValue0103488
IRS990ScheduleD/OtherLandBuildings/Depreciation0133378
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0236866
IRS990ScheduleD/OtherLiabilities/Amount06261455
IRS990ScheduleD/OtherLiabilities/Amount1762
IRS990ScheduleD/OtherLiabilities/Description0Member Shares and Deposits
IRS990ScheduleD/OtherLiabilities/Description1Accrued Dividends
IRS990ScheduleD/TotalOfAmounts06262217
IRS990ScheduleD/TotalOfBookValueLandBuildings0423149
IRS990ScheduleD/TotalOfBookValueProgramRelated0128505
IRS990/ScheduleJRequired0false
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/Explanation3Management reviews the prepared 990 before it is filed
IRS990ScheduleO/GeneralExplanation/Explanation4Board discussion and approval Documented in meeting minutes
IRS990ScheduleO/GeneralExplanation/Explanation5They are available at annual meetings
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. CEO, executive director, top management comp (Part VI, line 15a)
IRS990ScheduleO/GeneralExplanation/Identifier506. Governing documents, etc, available to public (Part VI, line 19)
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0WI
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10PO BOX 248
IRS990/TheBooksAreInCareOf/AddressUS/City0Oak Creek
IRS990/TheBooksAreInCareOf/AddressUS/State0WI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode053154
IRS990/TheBooksAreInCareOf/NamePerson0Wendy Bartel
IRS990/TheBooksAreInCareOf/TelephoneNumber04147640900
IRS990/TotalAssets/BOY08465546
IRS990/TotalAssetsBOY08465546
IRS990/TotalAssets/EOY08232597
IRS990/TotalAssetsEOY08232597
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear0379426
IRS990/TotalExpensesPriorYear0430601
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total0379426
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI01825
IRS990/TotalLiabilities/BOY06528062
IRS990/TotalLiabilitiesBOY06528062
IRS990/TotalLiabilities/EOY06289682
IRS990/TotalLiabilitiesEOY06289682
IRS990/TotalLiabNetAssetsFundBalances/BOY08465546
IRS990/TotalLiabNetAssetsFundBalances/EOY08232597
IRS990/TotalNbrEmployees07
IRS990/TotalNetAssetsFundBalances/BOY01937484
IRS990/TotalNetAssetsFundBalances/EOY01942915
IRS990/TotalOtherCompensation06970
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome02107
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn02107
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue0368464
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg044582
IRS990/TotalRevenueCurrentYear0384857
IRS990/TotalRevenue/ExclusionAmount016393
IRS990/TotalRevenuePriorYear0441493
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0366639
IRS990/TotalRevenue/TotalRevenueColumn0384857
IRS990/TotalRevenue/UnrelatedBusinessRevenue01825
IRS990/TransactionRelatedEntity0false
IRS990/Travel/Total01235
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true
IRS990/UponRequest0X
IRS990/WebSite0www.lakesidecu.org
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01952
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0390924514
ReturnHeader/Filer/Name/BusinessNameLine10Lakeside Credit Union
ReturnHeader/Filer/NameControl0LAKE
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 248
ReturnHeader/Filer/USAddress/City0Oak Creek
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053154
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02012-04-19
ReturnHeader/Officer/Name0Wendy Bartel
ReturnHeader/Officer/Phone04147640900
ReturnHeader/Officer/Title0President
ReturnHeader/Preparer/DatePrepared02012-04-24
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/Timestamp02012-04-24T17:06:00-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$8,232,597
Liabilities
$6,289,682
Net assets
$1,942,915
Revenue
-
Expenses
$379,426
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.54$6.63$1.91$0.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.23$6.29$1.94$0.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.47$6.53$1.94$0.43