Liabilities / Assets
55th percentile
Higher debt load relative to assets than 55% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.89x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
78th percentile
Faster asset growth than 78% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Up$30,452,823
Up $2,249,498 (+8.0%) from 2010
Net Assets
Up$3,470,921
Up $83,880 (+2.5%) from 2010
Liabilities
Up$26,981,902
Up $2,165,618 (+8.7%) from 2010
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$926,318
Down $105,378 (-10%) from 2010
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2011 to Dec 31, 2011
- Signed
- Aug 8, 2012
- Return Version
- 2011v1.2
- Gross Receipts
- $1,098,388
Mission and Program Overview
Mission
The organization is 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.
Filing and Contact Details
Filer
- EIN
- 39-0932162
Raw XML Appendix374 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/BOY | 0 | 71727 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 111858 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/ActivityOrMissionDescription | 0 | VALLEY CREDIT UNION IS A MEMBER OWNED AND CONTROLLED, NOT FOR PROFIT FINANCIAL ORGANIZATION. OUR CREDIT UNION ENCOURAGES REGULAR SAVINGS AND PROMOTES THRIFT THROUGH A CONTINUOUS EDUCATIONAL EFFORT, EMPHASIZING THE MEANING AND PRACTICE OF THRIFT. VALLEY CREDIT UNION'S GOAL IS TO PROVIDE THE BEST POSSIBLE FINANCIAL SERVICE TO OUR MEMBERS AT COMPETITIVE RATES AND TO MAINTAIN THE CREDIT UNION'S LONG TERM STABILITY. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 1680 E PARK AVE |
| IRS990/AddressPrincipalOfficerUS/City | 0 | CHIPPEWA FALLS |
| IRS990/AddressPrincipalOfficerUS/State | 0 | WI |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 54729 |
| IRS990/Advertising/Total | 0 | 34071 |
| IRS990/AllOtherExpenses/Total | 0 | 22590 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | 0 |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 0 |
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| IRS990/CapStckTrstPrinCurrentFunds/BOY | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/EOY | 0 | 0 |
| IRS990/CashNonInterestBearing/BOY | 0 | 597567 |
| IRS990/CashNonInterestBearing/EOY | 0 | 587425 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 124263 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 1 |
| IRS990/CompensationProcessOther | 0 | 0 |
| IRS990/ConferencesMeetings/Total | 0 | 935 |
| IRS990/ConflictOfInterestPolicy | 0 | 1 |
| IRS990/ConservationEasements | 0 | 0 |
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| IRS990/CreditCounseling | 0 | 0 |
| IRS990/DecisionsSubjectToApproval | 0 | 1 |
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| IRS990/DelegationOfManagementDuties | 0 | 0 |
| IRS990/DepreciationDepletion/Total | 0 | 45665 |
| IRS990/DescribedIn501C3 | 0 | 0 |
| IRS990/Description | 0 | SERVED APPROXIMATELY 5,000 MEMBERS WITH LOW-COST FINANCIAL SERVICES INCLUDING SHARE ACCOUNTS, SHARE DRAFT ACCOUNTS, CERTIFICATES, A VARIETY OF LOANS AND OTHER SERVICES. THE CREDIT UNION ENCOURAGES REGULAR SAVINGS AND PROMOTES THRIFT THROUGH CONTINUOUS EDUCATIONAL EFFORT, EMPHASIZING THE MEANING AND PRACTICE OF THRIFT. |
| IRS990/DisregardedEntity | 0 | 0 |
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| IRS990/DoNotFollowSFAS117 | 0 | X |
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| IRS990/EmploymentTaxReturnsFiled | 0 | 1 |
| IRS990/FamilyOrBusinessRelationship | 0 | 1 |
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| IRS990/FeesForServicesLegal/Total | 0 | 313 |
| IRS990/ForeignActivities | 0 | 0 |
| IRS990/ForeignFinancialAccount | 0 | 0 |
| IRS990/ForeignOffice | 0 | 0 |
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| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 0.50 |
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| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 40.00 |
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| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | TIMM SMITH |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | TERRY ANDERSON |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | ROBERT SHAKAL |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | BARBARA HEDRINGTON |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | LUCAS PEDERSON |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | RICHARD MECHELKE |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | MICHAEL SHAKAL |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | LAVONNE KRAUSE |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/Officer | 1 | X |
| IRS990/Form990PartVIISectionA/Officer | 2 | X |
| IRS990/Form990PartVIISectionA/Officer | 3 | X |
| IRS990/Form990PartVIISectionA/Officer | 4 | X |
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| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
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| IRS990/Form990PartVIISectionA/Title | 6 | DIRECTOR |
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| IRS990/Form990-TFiled | 0 | 1 |
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| IRS990/GainOrLoss/Other | 0 | 0 |
| IRS990/Gaming | 0 | 0 |
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| IRS990/GrantsToOrganizations | 0 | 0 |
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| IRS990/Hospital | 0 | 0 |
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| IRS990/IndoorTanningServices | 0 | 0 |
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| IRS990/InfoInScheduleOPartVI | 0 | X |
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| IRS990/Interest/Total | 0 | 6 |
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| IRS990/InvestmentIncome/ExclusionAmount | 0 | 477848 |
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| IRS990/InvestmentInJointVenture | 0 | 0 |
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| IRS990/InvestmentsOtherSecurities/EOY | 0 | 21246576 |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 607774 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 1064928 |
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| IRS990/LessCostOthBasisSalesExpenses/Other | 0 | 88190 |
| IRS990/LoanToOfficerOrDQP | 0 | 0 |
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| IRS990/MissionDescription | 0 | THE ORGANIZATION IS 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/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | TIMM SMITH |
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| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 0 |
| IRS990/NonDeductibleContributions | 0 | 0 |
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| IRS990/NumberOfContractorsGT100K | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 13 |
| IRS990/NumberW2GIncluded | 0 | 0 |
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| IRS990/OfficerMailingAddress | 0 | 0 |
| IRS990/Organization501c | 0 | X |
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| IRS990/OtherExpenses/Description | 0 | MEMBER DIVIDENDS |
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| IRS990/OtherExpenses/Description | 2 | MISCELLANEOUS EXPENSES |
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| IRS990/OtherExpenses/Total | 1 | 63842 |
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| IRS990/PartialLiquidation | 0 | 0 |
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| IRS990/PensionPlanContributions/Total | 0 | 5053 |
| IRS990/PoliticalActivities | 0 | 0 |
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| IRS990/ProfessionalFundraising | 0 | 0 |
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| IRS990/ProgramServiceRevenueCY | 0 | 532350 |
| IRS990/ProgramServiceRevenue/Description | 0 | LOAN INTEREST INCOME |
| IRS990/ProgramServiceRevenue/Description | 1 | FEES & CHARGES |
| IRS990/ProgramServiceRevenue/Description | 2 | DEBIT INTEREST INCOME |
| IRS990/ProgramServiceRevenue/Description | 3 | MISCELLANEOUS INCOME |
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| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
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| IRS990/ReconcilationRevenueExpenses | 0 | 83880 |
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| IRS990/RelatedEntity | 0 | 0 |
| IRS990/RelatedOrgControlledEntity | 0 | 0 |
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| IRS990/ReportOtherAssets | 0 | 1 |
| IRS990/ReportOtherLiabilities | 0 | 1 |
| IRS990/ReportProgRelInvest | 0 | 0 |
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| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 2632363 |
| IRS990/RevenuesLessExpensesCY | 0 | 83880 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | 123949 |
| IRS990/SalariesEtcCurrentYear | 0 | 312330 |
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| IRS990/ScheduleBRequired | 0 | 0 |
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| IRS990ScheduleD/Equipment/BookValue | 0 | 132434 |
| IRS990ScheduleD/Equipment/Depreciation | 0 | 332542 |
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| IRS990ScheduleD/Land/BookValue | 0 | 122300 |
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| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 6754365 |
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| IRS990ScheduleD/OtherLiabilities/Description | 0 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilities/Description | 1 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilities/Description | 2 | I.R.A.'S |
| IRS990ScheduleD/OtherLiabilities/Description | 3 | CERTIFICATES |
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| IRS990ScheduleD/OtherSecurities/BookValue | 1 | 288596 |
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| IRS990ScheduleD/OtherSecurities/Description | 0 | INVESTMENT IN CERTIFICATE OF DEPOSITS |
| IRS990ScheduleD/OtherSecurities/Description | 1 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecurities/Description | 2 | INVESTMENT IN CCCU |
| IRS990ScheduleD/OtherSecurities/MethodOfValuation | 0 | F |
| IRS990ScheduleD/OtherSecurities/MethodOfValuation | 1 | F |
| IRS990ScheduleD/OtherSecurities/MethodOfValuation | 2 | F |
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| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | TWO BOARD MEMBERS ARE RELATED. ROBERT SHAKAL AND MICHAEL SHAKAL ARE BROTHERS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | THE ORGANIZATION HAS MEMBERS IN COMMUNITIES LOCATED IN WESTERN WISCONSIN. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | THE ORGANIZATION HAS MEMBERS WHO ELECT MEMBERS OF THE GOVERNING BODY ANNUALLY. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | SOME DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS OF THE ORGANIZATION. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | CREDIT UNION OFFICERS ACCUMULATE ALL 990 AND 990T INFORMATION, INCLUDING THE UBIT CALCULATIONS. ONCE ALL INFORMATION IS COMPLETE, THE RETURNS ARE PREPARED AND THEN REVIEWED BY THE GOVERNING BODY. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | BOARD APPROVES PRESIDENT'S COMPENSATION AND PRESIDENT APPROVES EMPLOYEE SALARIES. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | ORGANIZATION DOCUMENTS ARE ON DISPLAY AT THE BRANCH. |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PART VI, SECTION A, LINE 2 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
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| IRS990/School | 0 | 0 |
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| IRS990/Terminated | 0 | 0 |
| IRS990/TermOrPermanentEndowments | 0 | 0 |
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| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | CHIPPEWA FALLS |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | WI |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 547293504 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | LAVONNE KRAUSE |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 7157232216 |
| IRS990/TotalAssets/BOY | 0 | 28203325 |
| IRS990/TotalAssetsBOY | 0 | 28203325 |
| IRS990/TotalAssets/EOY | 0 | 30452823 |
| IRS990/TotalAssetsEOY | 0 | 30452823 |
| IRS990/TotalCompGT150K | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 926318 |
| IRS990/TotalExpensesPriorYear | 0 | 1031696 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 926318 |
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| IRS990/TotalGrossUBI | 0 | 1341 |
| IRS990/TotalLiabilities/BOY | 0 | 24816284 |
| IRS990/TotalLiabilitiesBOY | 0 | 24816284 |
| IRS990/TotalLiabilities/EOY | 0 | 26981902 |
| IRS990/TotalLiabilitiesEOY | 0 | 26981902 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 28203325 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 30452823 |
| IRS990/TotalNbrEmployees | 0 | 13 |
| IRS990/TotalNbrVolunteers | 0 | 6 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 3387041 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 3470921 |
| IRS990/TotalOtherCompensation | 0 | 5918 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProfFundrsngExpPriorYear | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 532350 |
| IRS990/TotalReportableCompFrmRltdOrgs | 0 | 0 |
| IRS990/TotalReportableCompFromOrg | 0 | 118345 |
| IRS990/TotalRevenueCurrentYear | 0 | 1010198 |
| IRS990/TotalRevenue/ExclusionAmount | 0 | 477848 |
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| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 1010198 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 1341 |
| IRS990/TransactionRelatedEntity | 0 | 0 |
| IRS990/Travel/Total | 0 | 3124 |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | 1 |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | WWW.VCUCF.ORG |
| IRS990/WhistleblowerPolicy | 0 | 1 |
| IRS990/YearFormation | 0 | 1953 |
| ReturnHeader/BuildTS | 0 | 2016-02-24 21:20:13Z |
| ReturnHeader/Filer/EIN | 0 | 390932162 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | VALLEY CREDIT UNION |
| ReturnHeader/Filer/NameControl | 0 | VALL |
| ReturnHeader/Filer/Phone | 0 | 7157232216 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 1680 EAST PARK AVE |
| ReturnHeader/Filer/USAddress/City | 0 | CHIPPEWA FALLS |
| ReturnHeader/Filer/USAddress/State | 0 | WI |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 54729 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | 1 |
| ReturnHeader/Officer/DateSigned | 0 | 2012-08-08 |
| ReturnHeader/Officer/Name | 0 | TIMM SMITH |
| ReturnHeader/Officer/Phone | 0 | 7157232216 |
| ReturnHeader/Officer/Title | 0 | PRESIDENT |
| ReturnHeader/Preparer/DatePrepared | 0 | 2012-08-08 |
| ReturnHeader/PreparerFirm/EIN | 0 | 390758449 |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | WIPFLI LLP |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 7601 FRANCE AVENUE SOUTH SUITE 400 |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | MINNEAPOLIS |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | MN |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 55435 |
| ReturnHeader/Preparer/Name | 0 | RICHARD RUVELSON |
| ReturnHeader/Preparer/Phone | 0 | 9525483400 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2011-01-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2011-12-31 |
| ReturnHeader/TaxYear | 0 | 2011 |
| ReturnHeader/Timestamp | 0 | 2012-08-14T12:12:26-05:00 |
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.
- Assets
- $30,452,823
- Liabilities
- $26,981,902
- Net assets
- $3,470,921
- Revenue
- -
- Expenses
- $926,318
- Net income
- -