Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 39-0957393

Jan 01, 2013 to Dec 31, 2013 • Filed on May 30, 2014

Organization ProfileWWW.MCECU.COM
1740 Stephenson St54143

(715) 732-4051

Siviq Scores

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

Liabilities / Assets

60th percentile

0.88x

Higher debt load relative to assets than 60% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

42nd percentile

18.38x

Higher debt load relative to revenue than 42% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

65th percentile

7.8%

Higher net margin than 65% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

91st percentile

7.9%

Faster asset growth than 91% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$15,265,042

Up $1,113,357 (+7.9%) from 2012

Net Assets

Up

$1,823,672

Up $318,477 (+21%) from 2012

Liabilities

Up

$13,441,370

Up $794,880 (+6.3%) from 2012

Revenue And Expenses
Liabilities / Revenue42nd percentileNet Margin65th percentile

Revenue

$731,476

No earlier filing loaded for comparison.

Expenses

Down

$674,187

Down $27,953 (-4.0%) from 2012

Net Income

$57,289

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $13,528,837Liabilities 2010: $12,083,243Net Assets 2010: $1,445,5942010Assets 2011: $14,450,604Liabilities 2011: $12,983,023Net Assets 2011: $1,467,5812011Assets 2012: $14,151,685Liabilities 2012: $12,646,490Net Assets 2012: $1,505,1952012Assets 2013: $15,265,042Liabilities 2013: $13,441,370Net Assets 2013: $1,823,6722013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2013

Assets$15,265,042
Liabilities$13,441,370
Net Assets$1,823,672
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $782,5252010Expenses 2011: $737,9682011Expenses 2012: $702,1402012Revenue 2013: $731,476Expenses 2013: $674,187Net Income 2013: $57,2892013Revenue 2014: $708,962Expenses 2014: $866,703Net Income 2014: -$157,7412014

Highlighted filing

2013

Revenue$731,476
Expenses$674,187
Net Income$57,289
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 30, 2014
Return Version
2013v3.1
Gross Receipts
$761,351
Mission and Program Overview

Mission

Serve our memmbers with financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$10,346,240$11,132,846▲ $786,606
Rtn Earn Endowment Incm Other Fnds$1,505,195$1,823,672▲ $318,477
Savings and Temporary Cash Investments$1,695,886$1,717,693▲ $21,807
Investments Program Related$1,255,380$1,469,394▲ $214,014
Cash and Non-Interest-Bearing Accounts$370,252$454,351▲ $84,099
Land, Buildings, and Equipment, Net$239,228$261,660▲ $22,432
Prepaid Expenses and Deferred Charges$49,563$43,748▼ $5,815
Total Assets$14,151,685$15,265,042▲ $1,113,357
Other Assets Total$195,136$185,350▼ $9,786
Liabilities
Other Liabilities$12,466,875$13,386,132▲ $919,257
Accounts Payable and Accrued Expenses$22,212$49,405▲ $27,193
Unsecured Notes Loans Payable$155,583$5,833▼ $149,750
Escrow Account Liability$1,820--
Total Liabilities$12,646,490$13,441,370▲ $794,880
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,505,195$1,823,672▲ $318,477
Total Liabilities and Net Assets / Fund Balance$14,151,685$15,265,042▲ $1,113,357

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$100,297$283,905$384,202
Buildings$106,663$80,252$186,915
Land$54,700-$54,700
Investment Program Related Org$122,394--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kay HinkensPresident/cePT$61,120$7,402$68,522

Board Members and Trustees

NameTitle
Karen SylvesterChairperson
Susan BeresVice Chair
Jenny GaxiolaDirector
Joan KellyDirector
Mike SwianickiDirectpr
Bobbie Jean BorkowskiSecretary
Carol BurmeisterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$680,754
Investment Income
$39,221
Other Revenue
$11,501
Change in Net Assets
$57,289
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$388,589
Salaries, Compensation, and Employee Benefits$285,598
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$181,740
Office Expenses---$146,733
Current Officers, Directors, Trustees, and Key Employees---$61,120
Information Technology---$43,568
Depreciation Depletion---$34,581
Occupancy---$22,786
Payroll Taxes---$20,947
Other Employee Benefits---$16,555
Insurance---$15,704
Advertising---$11,039
Other Expenses---$10,071
Fees for Services Other---$9,152
Travel---$7,640
Pension Plan Contributions---$5,236
Fees for Services Accounting---$3,767
Interest---$39
Total Functional Expenses$0$0$0$674,187
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$13,386,132
Escrow to Part X Line 21-
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member, you must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

Form 990, Page 6, Part VI, Line 11B

“Management provides independent cpa with required data. Management reviews the prepared return, notifies cpa of any corrections needed, and approves the form for e-filing. Management shares report with the board at their next regular meeting.”

Form 990, Page 6, Part VI, Line 15A

“No chagnes to the ceo salary during 2013. In prior year, the ceo's salary was determined using data from the cuna salary survery. The salary was approved by the board and documented in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“Financial statements posted in the lobby. Other items provided to members upon request.”

Filing and Contact Details

Filer

EIN
39-0957393
Phone
7157324051

Signing Officer

Name
Kay Hinkens
Title
President/CEO
Phone
7157324051
Signed
2014-05-30

Organization Details

Principal Officer
Kay Hinkens
Formed
1956
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
6

Preparer

Preparer
Brent Wookey CPA
Supplemental Narrative

Additional Explanations

Form 990, Page 5, Part V, Line 3B

“The credit union will file the 990-t before its extended due date of november 15th.”

Form 990, Part XI, Line 9

“Additional capital from merger 261,188”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The credit union holds funds in escrow accounts for property taxes and homeowners insurance related to mortgage loans.”

Raw XML Appendix355 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt022212
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt049405
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0SERVE OUR MEMMBERS WITH FINANCIAL SERVICES.
IRS990/AdvertisingGrp/TotalAmt011039
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0KAY HINKENS
IRS990/BooksInCareOfDetail/PhoneNum07157324051
IRS990/BooksInCareOfDetail/USAddress/AddressLine101740 STHEPHENSON ST
IRS990/BooksInCareOfDetail/USAddress/City0MARINETTE
IRS990/BooksInCareOfDetail/USAddress/State0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode054143
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0370252
IRS990/CashNonInterestBearingGrp/EOYAmt0454351
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt061120
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt039221
IRS990/CYOtherExpensesAmt0388589
IRS990/CYOtherRevenueAmt011501
IRS990/CYProgramServiceRevenueAmt0680754
IRS990/CYRevenuesLessExpensesAmt057289
IRS990/CYSalariesCompEmpBnftPaidAmt0285598
IRS990/CYTotalExpensesAmt0674187
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0731476
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt034581
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 338 NEW DEPOSIT ACCOUNTS IN 2013. AS OF 12/31/13 WE HAD 2282 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt06
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt01820
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt03767
IRS990/FeesForServicesOtherGrp/TotalAmt09152
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt04.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt724.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt77402
IRS990/Form990PartVIISectionAGrp/PersonNm0KAREN SYLVESTER
IRS990/Form990PartVIISectionAGrp/PersonNm1SUSAN BERES
IRS990/Form990PartVIISectionAGrp/PersonNm2CAROL BURMEISTER
IRS990/Form990PartVIISectionAGrp/PersonNm3BOBBIE JEAN BORKOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm4JOAN KELLY
IRS990/Form990PartVIISectionAGrp/PersonNm5MIKE SWIANICKI
IRS990/Form990PartVIISectionAGrp/PersonNm6JENNY GAXIOLA
IRS990/Form990PartVIISectionAGrp/PersonNm7KAY HINKENS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt761120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTPR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CE
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0false
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-2697
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt027178
IRS990/GrossReceiptsAmt0761351
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InformationTechnologyGrp/TotalAmt043568
IRS990/InsuranceGrp/TotalAmt015704
IRS990/InterestGrp/TotalAmt039
IRS990/InvestmentIncomeGrp/ExclusionAmt041918
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt041918
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt01255380
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01469394
IRS990/IRPDocumentCnt0562
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0364157
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0239228
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0261660
IRS990/LandBldgEquipCostOrOtherBssAmt0625817
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt029875
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0SERVE OUR MEMMBERS WITH FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01505195
IRS990/NetAssetsOrFundBalancesEOYAmt01823672
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-2697
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-2697
IRS990/NetUnrelatedBusTxblIncmAmt0-3495
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt022786
IRS990/OfficeExpensesGrp/TotalAmt0146733
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0195136
IRS990/OtherAssetsTotalGrp/EOYAmt0185350
IRS990/OtherChangesInNetAssetsAmt0261188
IRS990/OtherEmployeeBenefitsGrp/TotalAmt016555
IRS990/OtherExpensesGrp/Desc0DIVIDENDS PAID TO MEMBERS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2NCUA STBLZTN ASSESSMENTS
IRS990/OtherExpensesGrp/TotalAmt046009
IRS990/OtherExpensesGrp/TotalAmt137500
IRS990/OtherExpensesGrp/TotalAmt210071
IRS990/OtherLiabilitiesGrp/BOYAmt012466875
IRS990/OtherLiabilitiesGrp/EOYAmt013386132
IRS990/OtherRevenueMiscGrp/Desc0MISC REVENUE & REFUNDS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt011501
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt011501
IRS990/OtherRevenueTotalAmt011501
IRS990/OtherSalariesAndWagesGrp/TotalAmt0181740
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt010346240
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011132846
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt020947
IRS990/PensionPlanContributionsGrp/TotalAmt05236
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt049563
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt043748
IRS990/PrincipalOfficerNm0KAY HINKENS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3519100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER MEMMBER REALTED REVENUE
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER FEE REVENUE
IRS990/ProgramServiceRevenueGrp/Desc3NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0564593
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt167703
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt242745
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0564593
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt167703
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt242745
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35713
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt05713
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 541 NEW LOANS DURING 2013. AS OF 12/31/13 WE HAD 804 LOANS TO OUR MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt040722
IRS990/PYOtherExpensesAmt0428013
IRS990/PYOtherRevenueAmt01718
IRS990/PYProgramServiceRevenueAmt0697314
IRS990/PYRevenuesLessExpensesAmt037614
IRS990/PYSalariesCompEmpBnftPaidAmt0274127
IRS990/PYTotalExpensesAmt0702140
IRS990/PYTotalRevenueAmt0739754
IRS990/ReconcilationRevenueExpnssAmt057289
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01505195
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01823672
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01695886
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01717693
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0106663
IRS990ScheduleD/BuildingsGrp/DepreciationAmt080252
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0186915
IRS990ScheduleD/EquipmentGrp/BookValueAmt0100297
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0283905
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0384202
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01347000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1122394
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVSTMNTS WITH MATURITY > 1 YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CAPITAL ACCOUNTS-CORPORATE CENTRAL
IRS990ScheduleD/LandGrp/BookValueAmt054700
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt054700
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013386132
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ESCROW TO PART X LINE 21
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0261660
IRS990ScheduleD/TotalBookValueProgramRltdAmt01469394
IRS990ScheduleD/TotalLiabilityAmt013386132
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION WILL FILE THE 990-T BEFORE ITS EXTENDED DUE DATE OF NOVEMBER 15TH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, YOU MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MANAGEMENT PROVIDES INDEPENDENT CPA WITH REQUIRED DATA. MANAGEMENT REVIEWS THE PREPARED RETURN, NOTIFIES CPA OF ANY CORRECTIONS NEEDED, AND APPROVES THE FORM FOR E-FILING. MANAGEMENT SHARES REPORT WITH THE BOARD AT THEIR NEXT REGULAR MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO CHAGNES TO THE CEO SALARY DURING 2013. IN PRIOR YEAR, THE CEO'S SALARY WAS DETERMINED USING DATA FROM THE CUNA SALARY SURVERY. THE SALARY WAS APPROVED BY THE BOARD AND DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS POSTED IN THE LOBBY. OTHER ITEMS PROVIDED TO MEMBERS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ADDITIONAL CAPITAL FROM MERGER 261,188
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt014151685
IRS990/TotalAssetsEOYAmt015265042
IRS990/TotalAssetsGrp/BOYAmt014151685
IRS990/TotalAssetsGrp/EOYAmt015265042
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0674187
IRS990/TotalGrossUBIAmt05713
IRS990/TotalLiabilitiesBOYAmt012646490
IRS990/TotalLiabilitiesEOYAmt013441370
IRS990/TotalLiabilitiesGrp/BOYAmt012646490
IRS990/TotalLiabilitiesGrp/EOYAmt013441370
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01505195
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01823672
IRS990/TotalOtherCompensationAmt07402
IRS990/TotalProgramServiceRevenueAmt0680754
IRS990/TotalReportableCompFromOrgAmt061120
IRS990/TotalRevenueGrp/ExclusionAmt041918
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0683845
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0731476
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05713
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt014151685
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015265042
IRS990/TravelGrp/TotalAmt07640
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0155583
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt05833
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101740 STEPHENSON ST
IRS990/USAddress/City0MARINETTE
IRS990/USAddress/State0WI
IRS990/USAddress/ZIPCode054143
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MCECU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0KAY HINKENS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07157324051
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-30
ReturnHeader/Filer/BusinessName/BusinessNameLine10MARINETTE COUNTY EMPLOYEES CREDIT
ReturnHeader/Filer/BusinessName/BusinessNameLine20UNION
ReturnHeader/Filer/BusinessNameControlTxt0MARI
ReturnHeader/Filer/EIN0390957393
ReturnHeader/Filer/PhoneNum07157324051
ReturnHeader/Filer/USAddress/AddressLine101740 STEPHENSON ST
ReturnHeader/Filer/USAddress/City0MARINETTE
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054143
ReturnHeader/PreparerPersonGrp/PreparationDt02014-06-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/ReturnTs02014-06-12T12:51:41-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,265,042
Liabilities
$13,441,370
Net assets
$1,823,672
Revenue
$731,476
Expenses
$674,187
Net income
$57,289
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.71$0.87$0.16
2013Detailed filing. Detailed filing data is available for this year.$15.3$13.4$1.82$0.73$0.67$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.2$12.6$1.51$0.70
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.5$13.0$1.47$0.74
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.5$12.1$1.45$0.78