Civic Intelligence

Badger Meter Credit Union

EIN 39-0962468 • 501(c)14

Profile

Provide member owners competitive financial products with caring and confidential assistance while maintaining our financial strength.

PO Box 24503653224

mybmcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

13th percentile

0.32x

Higher debt load relative to assets than 13% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

37th percentile

8.94x

Higher debt load relative to revenue than 37% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

3rd percentile

-132%

Higher net margin than 3% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

25th percentile

-65%

Faster asset growth than 25% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

19th percentile

-28%

Faster revenue growth than 19% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets13th percentile

Assets

Down

$3,983,135

Down $7,409,560 (-65%) from 2012

Liabilities

Down

$1,269,611

Down $7,221,963 (-85%) from 2012

Net Assets

Down

$2,713,524

Down $187,597 (-6.5%) from 2012

Operations
Liabilities / Revenue37th percentileNet Margin3rd percentile

Revenue

Down

$142,081

Down $54,764 (-28%) from 2012

Expenses

Up

$329,678

Up $36,263 (+12%) from 2012

Net Income

Down

-$187,597

Down $91,027 (-94%) from 2012

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $12,240,047Liabilities 2010: $9,187,026Net Assets 2010: $3,053,0212010Assets 2011: $12,116,837Liabilities 2011: $9,119,146Net Assets 2011: $2,997,6912011Assets 2012: $11,392,695Liabilities 2012: $8,491,574Net Assets 2012: $2,901,1212012Assets 2013: $3,983,135Liabilities 2013: $1,269,611Net Assets 2013: $2,713,5242013

Highlighted filing

2013

Assets$3,983,135
Liabilities$1,269,611
Net Assets$2,713,524
Open 2013 Filing

Operations Trend

Revenue Growth19th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$200K$0-$200KExpenses 2010: $359,2132010Expenses 2011: $323,0662011Revenue 2012: $196,845Expenses 2012: $293,415Net Income 2012: -$96,5702012Revenue 2013: $142,081Expenses 2013: $329,678Net Income 2013: -$187,5972013

Highlighted filing

2013

Revenue$142,081
Expenses$329,678
Net Income-$187,597
Open 2013 Filing

Filings

Most recent year

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

Open filing
Assets
$3,983,135
Liabilities
$1,269,611
Net assets
$2,713,524
Revenue
$142,081
Expenses
$329,678
Net income
-$187,597
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$3.98$1.27$2.71$0.14$0.33$0.19
2012Summary only. Only limited summary data is available for this year.$11.4$8.49$2.90$0.20$0.29$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.1$9.12$3.00$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.2$9.19$3.05$0.36
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 28, 2014
Return Version
2013v3.1
Gross Receipts
$142,081
Mission and Program Overview

Mission

Provide member owners competitive financial products with caring and confidential assistance while maintaining our financial strength.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$2,901,121$2,713,524▼ $187,597
Savings and Temporary Cash Investments$9,839,003$2,090,003▼ $7,749,000
Cash and Non-Interest-Bearing Accounts$761,875$1,307,318▲ $545,443
Other Notes and Loans Receivable, Net$594,131$401,901▼ $192,230
Investments Program Related$182,618$175,991▼ $6,627
Prepaid Expenses and Deferred Charges$4,311$3,635▼ $676
Land, Buildings, and Equipment, Net$2,216$1,254▼ $962
Total Assets$11,392,695$3,983,135▼ $7,409,560
Other Assets Total$8,541$3,033▼ $5,508
Liabilities
Other Liabilities$8,441,515$1,258,077▼ $7,183,438
Accounts Payable and Accrued Expenses$50,059$11,534▼ $38,525
Total Liabilities$8,491,574$1,269,611▼ $7,221,963
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,901,121$2,713,524▼ $187,597
Total Liabilities and Net Assets / Fund Balance$11,392,695$3,983,135▼ $7,409,560

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$41,960$41,960
Other Land Buildings$1,254$23,699$24,953
Investment Program Related Org$92,027--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tracy BieverPresidentFT$66,722$3,639$70,361

Board Members and Trustees

NameTitle
Eric GrismerChair
Paul FahrenkrugVice Chair
Christie MayerDirector
Morrice BlackwellDirector
Jay HerbAsst Secretary
Kathleen CullenSecretary
Mary HeraufTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$43,238
Investment Income
$98,309
Other Revenue
$534
Change in Net Assets
$-187,597
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$174,462
Salaries, Compensation, and Employee Benefits$155,216
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$66,722
Other Salaries and Wages---$52,920
Fees for Services Legal---$43,765
Information Technology---$24,002
Fees for Service Investment Mgmnt Fees---$23,152
Other Employee Benefits---$20,205
Payroll Taxes---$9,529
Office Expenses---$7,973
Payments to Affiliates---$7,946
Insurance---$7,588
Pension Plan Contributions---$5,840
Fees for Services Accounting---$4,628
All Other Expenses---$4,033
Advertising---$2,192
Depreciation Depletion---$961
Travel---$287
Other Expenses-$220-$220
Conferences and Meetings---$147
Total Functional Expenses$0$0$0$329,678
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Certificates$1,258,077
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

Members or stockholder classes and rights Part VI line 6

“The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).”

Member election for additional members Part VI line 7A

“The Board of Directors is elected by the membership utilizing their one vote per member.”

Governing body decisions Part VI line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization's bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).”

Form 990 governing body review Part VI line 11

“An outside provider prepares Form 990 based on information the credit union provides. The board reviews a draft of the completed form and makes any necessary revisions prior to filing the final draft.”

Conflict of interest policy compliance Part VI line 12C

“Annually, directors and employees review policy and sign acknowledgement.”

CEO executive director top management comp Part VI line 15A

“The board gets a survey of other credit union's compensation information. The compensation amount is included in the monthly board meeting minutes.”

Governing documents etc available to public Part VI line 19

“The information is made available to the public or members as required by law.”

Filing and Contact Details

Filer

EIN
39-0962468

Signing Officer

Name
Tracy Biever
Title
President
Phone
4143715863
Signed
2014-03-28
Discuss with paid preparer
No

Organization Details

Principal Officer
Tracy Biever
Formed
1935
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
3

Preparer

Preparer
Cari Thompson
Phone
2625490200
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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization's bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3An outside provider prepares Form 990 based on information the credit union provides. The board reviews a draft of the completed form and makes any necessary revisions prior to filing the final draft.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Annually, directors and employees review policy and sign acknowledgement.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The board gets a survey of other credit union's compensation information. The compensation amount is included in the monthly board meeting minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The information is made available to the public or members as required by law.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt011392695
IRS990/TotalAssetsEOYAmt03983135
IRS990/TotalAssetsGrp/BOYAmt011392695
IRS990/TotalAssetsGrp/EOYAmt03983135
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IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0329678
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08491574
IRS990/TotalLiabilitiesEOYAmt01269611
IRS990/TotalLiabilitiesGrp/BOYAmt08491574
IRS990/TotalLiabilitiesGrp/EOYAmt01269611
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02901121
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02713524
IRS990/TotalOtherCompensationAmt03639
IRS990/TotalProgramServiceRevenueAmt043238
IRS990/TotalReportableCompFromOrgAmt066722
IRS990/TotalRevenueGrp/ExclusionAmt098843
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt043238
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0142081
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011392695
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03983135
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0287
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0mybmcu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Tracy Biever
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum04143715863
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-28
ReturnHeader/Filer/BusinessName/BusinessNameLine10Badger Meter Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0BADG
ReturnHeader/Filer/EIN0390962468
ReturnHeader/Filer/USAddress/AddressLine10PO Box 245036
ReturnHeader/Filer/USAddress/City0Milwaukee
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053224
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02014-03-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-03-30T16:37:05-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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