Civic Intelligence

Cloverbelt Credit Union

990 • Fiscal year 2012 • EIN 39-0926186

Jan 01, 2012 to Dec 31, 2012 • Filed on May 20, 2013

Organization ProfileWWW.CCUWAUSAU.COM

View Organization Page

110 Mcindoe Street PO Box 65954402-0659
Siviq Scores

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

Liabilities / Assets

31st percentile

0.88x

Higher debt load relative to assets than 31% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

73rd percentile

7.8%

Faster asset growth than 73% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$182,082,411

Up $13,129,672 (+7.8%) from 2011

Net Assets

Up

$22,296,640

Up $1,011,784 (+4.8%) from 2011

Liabilities

Up

$159,785,771

Up $12,117,888 (+8.2%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$6,797,933

Down $270,211 (-3.8%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth73rd percentile

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

$400M$300M$200M$100M$0Assets 2010: $157,927,006Liabilities 2010: $137,568,714Net Assets 2010: $20,358,2922010Assets 2011: $168,952,739Liabilities 2011: $147,667,883Net Assets 2011: $21,284,8562011Assets 2012: $182,082,411Liabilities 2012: $159,785,771Net Assets 2012: $22,296,6402012Assets 2013: $181,973,315Liabilities 2013: $158,567,314Net Assets 2013: $23,406,0012013Assets 2014: $193,422,142Liabilities 2014: $168,673,404Net Assets 2014: $24,748,7382014Assets 2015: $205,589,974Liabilities 2015: $179,072,598Net Assets 2015: $26,517,3762015Assets 2016: $217,863,513Liabilities 2016: $189,660,195Net Assets 2016: $28,203,3182016Assets 2017: $240,417,796Liabilities 2017: $210,640,692Net Assets 2017: $29,777,1042017Assets 2018: $258,069,517Liabilities 2018: $226,598,232Net Assets 2018: $31,471,2852018Assets 2019: $254,064,665Liabilities 2019: $220,842,249Net Assets 2019: $33,222,4162019Assets 2020: $278,288,526Liabilities 2020: $243,584,673Net Assets 2020: $34,703,8532020Assets 2021: $300,302,432Liabilities 2021: $263,973,247Net Assets 2021: $36,329,1852021Assets 2022: $308,877,012Liabilities 2022: $270,773,278Net Assets 2022: $38,103,7342022Assets 2023: $314,880,684Liabilities 2023: $276,213,755Net Assets 2023: $38,666,9292023Assets 2024: $317,642,521Liabilities 2024: $277,884,510Net Assets 2024: $39,758,0112024

Highlighted filing

2012

Assets$182,082,411
Liabilities$159,785,771
Net Assets$22,296,640
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $7,702,1022010Expenses 2011: $7,068,1442011Expenses 2012: $6,797,9332012Revenue 2013: $7,478,970Expenses 2013: $6,369,609Net Income 2013: $1,109,3612013Revenue 2014: $7,468,964Expenses 2014: $6,126,227Net Income 2014: $1,342,7372014Revenue 2015: $7,821,354Expenses 2015: $6,052,716Net Income 2015: $1,768,6382015Revenue 2016: $8,077,137Expenses 2016: $6,391,195Net Income 2016: $1,685,9422016Revenue 2017: $8,806,246Expenses 2017: $7,232,461Net Income 2017: $1,573,7852017Revenue 2018: $10,026,336Expenses 2018: $8,332,155Net Income 2018: $1,694,1812018Revenue 2019: $10,912,070Expenses 2019: $9,160,939Net Income 2019: $1,751,1312019Revenue 2020: $10,555,833Expenses 2020: $9,074,396Net Income 2020: $1,481,4372020Revenue 2021: $9,967,829Expenses 2021: $8,342,497Net Income 2021: $1,625,3322021Revenue 2022: $10,619,620Expenses 2022: $8,845,071Net Income 2022: $1,774,5492022Revenue 2023: $12,492,304Expenses 2023: $11,817,109Net Income 2023: $675,1952023Revenue 2024: $14,323,872Expenses 2024: $13,232,790Net Income 2024: $1,091,0822024

Highlighted filing

2012

Revenue-
Expenses$6,797,933
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 20, 2013
Return Version
2012v2.1
Gross Receipts
$8,179,173
Mission and Program Overview

Mission

Cloverbelt credit union will consistently deliver prompt couteous service to our members, achieve superior, long-term value to our members. We also want to create an environment that promotes and rewards the development and positive contribution of our employees.

Major Activities

Activity 2
Provided low-cost financial services to 17,106 members with $158,705,901 in deposits.
Activity 3
Paid dividends to members totaling $1,487,509.
Filing and Contact Details

Filer

EIN
39-0926186
Raw XML AppendixShowing 400 of 427 raw XML fields

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IRS990ScheduleO/GeneralExplanation/Explanation0CLOVERBELT CREDIT UNION IS OWNED AND OPERATED BY ITS 17,106 MEMBERS AND A VOLUNTEER BOARD OF DIRECTORS. TO QUALIFY AS A MEMBER YOU MUST HAVE A MINIMUM 0F $5.00 IN A SAVINGS ACCOUNT AND LIVE OR WORK IN MARATHON, LINCOLN, WOOD, PORTAGE, CLARK, LANGLADE, SHAWANO OR TAYLOR COUNTIES.
IRS990ScheduleO/GeneralExplanation/Explanation1ANY PERSON THAT QUALIFIES TO BE A MEMBER OF CLOVERBELT CREDIT UNION HAS THE SAME VOTING RIGHTS TO ELECT ONE OR MORE MEMBER OF THE GOVERNING BODY (BOARD OF DIRECTORS). THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS UTILITZING THEIR ONE VOTE PER MEMBER.
IRS990ScheduleO/GeneralExplanation/Explanation2THE FORM 990 IS REVIEWED BY THE VICE PRESIDENT, CHIEF FINANCIAL OFFICER WITH THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation3EACH YEAR ALL EMPLOYEES COMPLETE A WRITTEN CONFLICT OF INTEREST FORM AGREEING TO ABIDE BY OUR CONFLICT OF INTEREST POLICY. A FORM IS ALSO COMPLETED BY EACH NEW HIRE. OUR CORE COMPUTER SYSTEM ALLOWS US TO INPUT EMPLOYEES ACCOUNT NUMBERS IN THEIR USER SET UP AND PREVENTS THEM FROM PERFORMING TRANSACTIONS ON THEIR OWN ACCOUNTS OR ACCOUNTS THEY HAVE JOINT OWNERSHIP ON. WE ALSO REVIEW SECURITY REPORTS TO VERIFY NO ACTIVITY HAS BEEN PERFORMED BY AN EMPLOYEE ON THEIR OWN ACCOUNT.
IRS990ScheduleO/GeneralExplanation/Explanation4COMPENSATION FOR THE CEO IS DETERMINED BY THE BOARD OF DIRECTORS. THE SALARY IS BASED ON THE PERFORMANCE AND ASSET SIZE OF THE CREDIT UNION. CREDIT UNION COMPENSATION SURVEYS ARE ALSO EVALUATED. THE PRESIDENT/CEO DETERMINES THE SALARIES FOR OTHER OFFICERS OF THE CREDIT UNION. THE SALARY IS BASED ON THE PERFORMANCE AND ASSET SIZE OF THE CREDIT UNION AS WELL AS INDUSTRY AVERAGES BASED ON CREDIT UNION COMPENSATION SURVEYS.
IRS990ScheduleO/GeneralExplanation/Explanation5WE DO NOT MAKE THE BY-LAWS OR CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC. MONTHLY FINANCIAL STATEMENTS ARE POSTED IN OUR FOYER FOR MEMBERS TO VIEW. FINANCIAL STATEMENTS ARE ALSO AVAILABLE BY VIEWING THE NCUA 5300 CALL REPORT. WE WOULD ALSO PROVIDE A COPY OF THE ANNUAL FORM 990 IF REQUESTED.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0WI
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
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IRS990/TheBooksAreInCareOf/AddressUS/City0WAUSAU
IRS990/TheBooksAreInCareOf/AddressUS/State0WI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode054403
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10LISA HIERONIMUS
IRS990/TheBooksAreInCareOf/TelephoneNumber07158425693
IRS990/TotalAssets/BOY0168952739
IRS990/TotalAssetsBOY0168952739
IRS990/TotalAssets/EOY0182082411
IRS990/TotalAssetsEOY0182082411
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear06797933
IRS990/TotalExpensesPriorYear07068144
IRS990/TotalFunctionalExpenses/Total06797933
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI015375
IRS990/TotalLiabilities/BOY0147667883
IRS990/TotalLiabilitiesBOY0147667883
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IRS990/TotalLiabilitiesEOY0159785771
IRS990/TotalLiabNetAssetsFundBalances/BOY0168952739
IRS990/TotalLiabNetAssetsFundBalances/EOY0182082411
IRS990/TotalNbrEmployees054
IRS990/TotalNbrVolunteers00
IRS990/TotalNetAssetsFundBalances/BOY021284856
IRS990/TotalNetAssetsFundBalances/EOY022296640
IRS990/TotalOtherCompensation075983
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue07457665
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0425622
IRS990/TotalRevenueCurrentYear07809717
IRS990/TotalRevenue/ExclusionAmount0352052
IRS990/TotalRevenuePriorYear07994708
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome07442290
IRS990/TotalRevenue/TotalRevenueColumn07809717
IRS990/TotalRevenue/UnrelatedBusinessRevenue015375
IRS990/Travel/Total08718
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.CCUWAUSAU.COM
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01935
ReturnHeader/BuildTS02016-02-25 16:41:14Z

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$182,082,411
Liabilities
$159,785,771
Net assets
$22,296,640
Revenue
-
Expenses
$6,797,933
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$318$278$39.8$14.3$13.2$1.09
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$315$276$38.7$12.5$11.8$0.68
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$309$271$38.1$10.6$8.85$1.77
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$300$264$36.3$9.97$8.34$1.63
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$278$244$34.7$10.6$9.07$1.48
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$254$221$33.2$10.9$9.16$1.75
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$258$227$31.5$10.0$8.33$1.69
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$240$211$29.8$8.81$7.23$1.57
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$218$190$28.2$8.08$6.39$1.69
2015Detailed filing. Detailed filing data is available for this year.$206$179$26.5$7.82$6.05$1.77
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$193$169$24.7$7.47$6.13$1.34
2013Detailed filing. Detailed filing data is available for this year.$182$159$23.4$7.48$6.37$1.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$182$160$22.3$6.80
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$169$148$21.3$7.07
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$158$138$20.4$7.70