Liabilities / Assets
32nd percentile
Higher debt load relative to assets than 32% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.88x
Liabilities / Revenue
87th percentile
Higher debt load relative to revenue than 87% of similar nonprofits.
Net Margin
79th percentile
Higher net margin than 79% of similar nonprofits.
Top Officer Pay
69th percentile
Higher top officer pay than 69% of similar nonprofits.
Top officer pay equals 2.9% of source-year revenue.
Asset Growth
90th percentile
Faster asset growth than 90% of similar nonprofits.
Revenue Growth
68th percentile
Faster revenue growth than 68% of similar nonprofits.
Balance Sheet
Assets
Up$240,417,796
Up $22,554,283 (+10%) from 2016
Net Assets
Up$29,777,104
Up $1,573,786 (+5.6%) from 2016
Liabilities
Up$210,640,692
Up $20,980,497 (+11%) from 2016
Revenue And Expenses
Revenue
Up$8,806,246
Up $729,109 (+9.0%) from 2016
Expenses
Up$7,232,461
Up $841,266 (+13%) from 2016
Net Income
Down$1,573,785
Down $112,157 (-6.7%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- May 4, 2018
- Return Version
- 2017v2.2
- Gross Receipts
- $8,934,306
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.
A cooperative, nonprofit corporation, incorporated under wisconsin state law to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $154,818,242 | $181,602,922 | ▲ $26,784,680 |
| Investments Other Securities | $40,561,826 | $37,307,210 | ▼ $3,254,616 |
| Rtn Earn Endowment Incm Other Fnds | $28,203,318 | $29,777,104 | ▲ $1,573,786 |
| Land, Buildings, and Equipment, Net | $6,474,198 | $8,455,954 | ▲ $1,981,756 |
| Cash and Non-Interest-Bearing Accounts | $1,798,013 | $1,623,735 | ▼ $174,278 |
| Savings and Temporary Cash Investments | $4,691,787 | $1,461,469 | ▼ $3,230,318 |
| Prepaid Expenses and Deferred Charges | $351,143 | $448,041 | ▲ $96,898 |
| Accounts Receivable | $362,133 | $404,741 | ▲ $42,608 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $217,863,513 | $240,417,796 | ▲ $22,554,283 |
| Other Assets Total | $8,806,171 | $9,113,724 | ▲ $307,553 |
| Liabilities | |||
| Other Liabilities | $185,772,497 | $202,380,149 | ▲ $16,607,652 |
| Mortgage Notes Payable Secured by Investment Property | $2,000,000 | $6,000,000 | ▲ $4,000,000 |
| Accounts Payable and Accrued Expenses | $1,887,698 | $2,260,543 | ▲ $372,845 |
| Total Liabilities | $189,660,195 | $210,640,692 | ▲ $20,980,497 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $28,203,318 | $29,777,104 | ▲ $1,573,786 |
| Total Liabilities and Net Assets / Fund Balance | $217,863,513 | $240,417,796 | ▲ $22,554,283 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $7,046,215 | $659,167 | $7,705,382 |
| Equipment | $604,159 | $1,845,618 | $2,449,777 |
| Land | $717,951 | - | $717,951 |
| Other Land Buildings | $87,629 | $209,703 | $297,332 |
| Other Securities | $1,043,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Paul J Chittum | President/CEO | FT | $199,902 | $51,880 | $251,782 |
| Lisa Hieronimus | Vice President/CFO | FT | $125,196 | $19,410 | $144,606 |
| Kathleen Volkmann | Vice President | FT | $67,345 | $10,476 | $77,821 |
| Elroy Zemke | Chairman | - | $1,770 | - | $1,770 |
| Beverly Folgert | Secretary | - | $1,590 | - | $1,590 |
| Eldon Pagel | Credit Committee | - | $1,590 | - | $1,590 |
| Joel Breitzman | Vice Chairman | - | $1,590 | - | $1,590 |
| Scott Hunger | Credit Committee | - | $1,590 | - | $1,590 |
| Terrance Pisca | Treasurer | - | $1,590 | - | $1,590 |
| James Nick | Credit Committee | - | $945 | - | $945 |
| James Von Rueden | Credit Committee (thru May) | - | $645 | - | $645 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $8,089,794
- Investment Income
- $674,078
- Other Revenue
- $42,374
- Change in Net Assets
- $1,573,785
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,821,575 |
| Salaries, Compensation, and Employee Benefits | $3,264,283 |
| Grants and Similar Amounts Paid | $146,603 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,919,074 |
| Other Employee Benefits | - | - | - | $612,487 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $485,519 |
| Advertising | - | - | - | $320,563 |
| Office Expenses | - | - | - | $286,201 |
| Depreciation Depletion | - | - | - | $275,085 |
| Occupancy | - | - | - | $264,184 |
| Information Technology | - | - | - | $179,757 |
| All Other Expenses | - | - | - | $175,122 |
| Payroll Taxes | - | - | - | $172,767 |
| Grants to Domestic Orgs | - | - | - | $146,603 |
| Interest | - | - | - | $83,373 |
| Pension Plan Contributions | - | - | - | $74,436 |
| Fees for Services Other | - | - | - | $70,587 |
| Other Expenses | - | - | - | $46,089 |
| Insurance | - | - | - | $40,308 |
| Conferences and Meetings | - | - | - | $35,757 |
| Fees for Services Accounting | - | - | - | $13,272 |
| Travel | - | - | - | $6,768 |
| Total Functional Expenses | $0 | $0 | $0 | $7,232,461 |
International Activity
Grant and Assistance Recipients
| Recipient | Location | Category | Purpose | Amount |
|---|---|---|---|---|
| WOODSON YOUNG MEN'S CHRISTIAN ASSOCIATION INC | Wausau, WI | 501(c)(3) | Donation of Building and Land to the Wausau Ymca | - |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Certificates of Deposits and Savings | $178,174,260 |
| Drafts | $24,205,889 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Backup withholding compliance
- 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
“Cloverbelt credit union is owned and operated by its 17,462 members and a volunteer board of directors. To qualify as a member you must have a minimum of $5.00 in a savings account and live or work in marathon, lincoln, wood, portage, clark, langlade, shawano or taylor counties.”
Form 990, Part VI, Section A, Line 7A
“Any person that qualifies to be a member of cloverbelt credit union has the same voting rights to elect one or more members of the governing body (board of directors). The board of directors are elected by the members utilizing their one vote per member.”
Form 990, Part VI, Section B, Line 11B
“The form 990 is reviewed by the executive vice president, chief financial officer with the board of directors.”
Form 990, Part VI, Section B, Line 12C
“Each year all employees and board of directors 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 systems allows us to input employee 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.”
Form 990, Part VI, Section B, Line 15
“Compensation 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.”
Form 990, Part VI, Section C, Line 19
“We 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.”
Filing and Contact Details
Filer
- Filer Name
- Cloverbelt Credit Union
- EIN
- 39-0926186
- Phone
- 7158425693
- Address
- 110 MCINDOE STREET PO BOX 659, WAUSAU, WI 54402-0659
Signing Officer
- Name
- Lisa Hieronimus
- Title
- Executive Vice President/CFO
- Phone
- 7158425693
- Signed
- 2018-05-04
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Lisa Hieronimus
- Formed
- 1935
- Legal Domicile
- Wi
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 58
- Volunteers
- 7
Preparer
- Firm
- Wipfli Llp
- Address
- PO BOX 8010, WAUSAU, WI 54402-8010
- Preparer
- Mary a Coates CPA
- Phone
- 7158453111
Supplemental Narrative
Additional Explanations
FORM 990, PART XI, LINE 9:
“Other change in net assets 1.”
Raw XML AppendixShowing 400 of 466 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/ActivityOrMissionDesc | 0 | A COOPERATIVE, NONPROFIT CORPORATION, INCORPORATED UNDER WISCONSIN STATE LAW TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. |
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| IRS990/Desc | 0 | PROVIDED 8,195 LOANS TO MEMBERS FOR $182,012,923. |
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| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 2000000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 6000000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 28203318 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 29777104 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 56345 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 56345 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -13196 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 264184 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 286201 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 8806171 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 9113724 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 1 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 612487 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | CHARGES AND FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING FEES |
| IRS990/OtherExpensesGrp/Desc | 3 | DUES AND MEMBERSHIPS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1472163 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 433621 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 118725 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 46089 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 185772497 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 202380149 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | RECOVERIES |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 42374 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 42374 |
| IRS990/OtherRevenueTotalAmt | 0 | 42374 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1919074 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 154818242 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 181602922 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 172767 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 74436 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 351143 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 448041 |
| IRS990/PrincipalOfficerNm | 0 | LISA HIERONIMUS |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME/OTHER |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | ATM FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | CREDIT LIFE/CREDIT DIS |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | GAP/MECHANICAL REPAIR |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6684091 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1218196 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 85562 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 66685 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 13262 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 6684091 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1218196 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 106765 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 66685 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 14057 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 21203 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 795 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDED LOW-COST FINANCIAL SERVICES TO 17,462 MEMBERS WITH $202,380,149 IN DEPOSITS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PAID DIVIDENDS TO MEMBERS TOTALING $1,472,163. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 546119 |
| IRS990/PYOtherExpensesAmt | 0 | 3338714 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 7531018 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1685942 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3052481 |
| IRS990/PYTotalExpensesAmt | 0 | 6391195 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 8077137 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1573785 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 28203318 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 29777104 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 4691787 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1461469 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 7046215 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 659167 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 7705382 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 604159 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1845618 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2449777 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 717951 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 717951 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 87629 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 209703 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 297332 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 24205889 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 178174260 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | CERTIFICATES OF DEPOSITS AND SAVINGS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 33969000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 1149116 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 461177 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 484917 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 200000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 5 | 1043000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | MEMBERSHIP CAPITAL AT CORPORATE CU |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | PAID IN CAPITAL AT CORP |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | LOANS TO AND INVESTMENT IN NATURAL PERSON CREDIT UNIONS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 5 | DEPOSITS IN COMMERCIAL BANKS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 5 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 8455954 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 37307210 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 202380149 |
| IRS990ScheduleI/GrantRecordsMaintainedInd | 0 | 0 |
| IRS990ScheduleI/RecipientTable/IRCSectionDesc | 0 | 501(C)(3) |
| IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt | 0 | 139000 |
| IRS990ScheduleI/RecipientTable/NonCashAssistanceDesc | 0 | BUILDING AND LAND |
| IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt | 0 | DONATION OF BUILDING AND LAND TO THE WAUSAU YMCA |
| IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt | 0 | WOODSON YOUNG MEN'S CHRISTIAN ASSOCIATION INC |
| IRS990ScheduleI/RecipientTable/RecipientEIN | 0 | 390808463 |
| IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt | 0 | 707 THIRD STREET |
| IRS990ScheduleI/RecipientTable/USAddress/CityNm | 0 | WAUSAU |
| IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990ScheduleI/RecipientTable/USAddress/ZIPCd | 0 | 54403 |
| IRS990ScheduleI/RecipientTable/ValuationMethodUsedDesc | 0 | FMV |
| IRS990ScheduleI/Total501c3OrgCnt | 0 | 1 |
| IRS990ScheduleI/TotalOtherOrgCnt | 0 | 0 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 199902 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 21000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 10116 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 20764 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | PAUL J CHITTUM |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 251782 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | CLOVERBELT CREDIT UNION IS OWNED AND OPERATED BY ITS 17,462 MEMBERS AND A VOLUNTEER BOARD OF DIRECTORS. TO QUALIFY AS A MEMBER YOU MUST HAVE A MINIMUM OF $5.00 IN A SAVINGS ACCOUNT AND LIVE OR WORK IN MARATHON, LINCOLN, WOOD, PORTAGE, CLARK, LANGLADE, SHAWANO OR TAYLOR COUNTIES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ANY PERSON THAT QUALIFIES TO BE A MEMBER OF CLOVERBELT CREDIT UNION HAS THE SAME VOTING RIGHTS TO ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY (BOARD OF DIRECTORS). THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS UTILIZING THEIR ONE VOTE PER MEMBER. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE FORM 990 IS REVIEWED BY THE EXECUTIVE VICE PRESIDENT, CHIEF FINANCIAL OFFICER WITH THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | EACH YEAR ALL EMPLOYEES AND BOARD OF DIRECTORS 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 SYSTEMS ALLOWS US TO INPUT EMPLOYEE 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/SupplementalInformationDetail/ExplanationTxt | 4 | COMPENSATION 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/SupplementalInformationDetail/ExplanationTxt | 5 | WE 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/SupplementalInformationDetail/ExplanationTxt | 6 | OTHER CHANGE IN NET ASSETS 1. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART XI, LINE 9: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 217863513 |
| IRS990/TotalAssetsEOYAmt | 0 | 240417796 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 217863513 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 240417796 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 58 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $240,417,796
- Liabilities
- $210,640,692
- Net assets
- $29,777,104
- Revenue
- $8,806,246
- Expenses
- $7,232,461
- Net income
- $1,573,785
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