Civic Intelligence

Tomah Area Credit Union

990 • Fiscal year 2012 • EIN 39-0966830

Jan 01, 2012 to Dec 31, 2012 • Filed on May 13, 2013

PO Box 94054660
Siviq Scores

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

Liabilities / Assets

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M 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

29th percentile

2.5%

Faster asset growth than 29% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$53,665,562

Up $1,317,240 (+2.5%) from 2011

Net Assets

Up

$5,113,118

Up $362,020 (+7.6%) from 2011

Liabilities

Up

$48,552,444

Up $955,220 (+2.0%) from 2011

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,124,176

Down $214,566 (-9.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2010: $50,130,277Liabilities 2010: $45,418,861Net Assets 2010: $4,711,4162010Assets 2011: $52,348,322Liabilities 2011: $47,597,224Net Assets 2011: $4,751,0982011Assets 2012: $53,665,562Liabilities 2012: $48,552,444Net Assets 2012: $5,113,1182012Assets 2013: $54,490,678Liabilities 2013: $49,162,662Net Assets 2013: $5,328,0162013Assets 2014: $56,830,903Liabilities 2014: $51,382,551Net Assets 2014: $5,448,3522014Assets 2015: $57,279,573Liabilities 2015: $51,732,031Net Assets 2015: $5,547,5422015Assets 2016: $57,841,230Liabilities 2016: $52,288,836Net Assets 2016: $5,552,3942016Assets 2017: $60,328,102Liabilities 2017: $54,509,743Net Assets 2017: $5,818,3592017Assets 2018: $62,540,147Liabilities 2018: $56,211,417Net Assets 2018: $6,328,7302018Assets 2019: $66,628,756Liabilities 2019: $59,597,405Net Assets 2019: $7,031,3512019Assets 2020: $88,934,855Liabilities 2020: $81,315,123Net Assets 2020: $7,619,7322020Assets 2021: $100,004,143Liabilities 2021: $91,790,260Net Assets 2021: $8,213,8832021Assets 2022: $98,532,665Liabilities 2022: $89,365,064Net Assets 2022: $9,167,6012022Assets 2023: $98,978,712Liabilities 2023: $88,073,215Net Assets 2023: $10,905,4972023Assets 2024: $109,533,670Liabilities 2024: $96,781,038Net Assets 2024: $12,752,6322024Assets 2025: $121,088,675Liabilities 2025: $106,280,719Net Assets 2025: $14,807,9562025

Highlighted filing

2012

Assets$53,665,562
Liabilities$48,552,444
Net Assets$5,113,118

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $2,411,8432010Expenses 2011: $2,338,7422011Expenses 2012: $2,124,1762012Revenue 2013: $2,426,149Expenses 2013: $2,121,741Net Income 2013: $304,4082013Revenue 2014: $2,182,380Expenses 2014: $2,062,044Net Income 2014: $120,3362014Revenue 2015: $2,240,970Expenses 2015: $2,141,780Net Income 2015: $99,1902015Revenue 2016: $2,364,491Expenses 2016: $2,359,639Net Income 2016: $4,8522016Revenue 2017: $2,556,483Expenses 2017: $2,290,518Net Income 2017: $265,9652017Revenue 2018: $2,874,189Expenses 2018: $2,363,818Net Income 2018: $510,3712018Revenue 2019: $3,147,121Expenses 2019: $2,444,499Net Income 2019: $702,6222019Revenue 2020: $3,141,614Expenses 2020: $2,553,234Net Income 2020: $588,3802020Revenue 2021: $3,057,536Expenses 2021: $2,463,385Net Income 2021: $594,1512021Revenue 2022: $3,376,958Expenses 2022: $2,423,240Net Income 2022: $953,7182022Revenue 2023: $4,837,364Expenses 2023: $3,099,468Net Income 2023: $1,737,8962023Revenue 2024: $5,878,229Expenses 2024: $4,031,094Net Income 2024: $1,847,1352024Revenue 2025: $6,269,770Expenses 2025: $4,214,446Net Income 2025: $2,055,3242025

Highlighted filing

2012

Revenue-
Expenses$2,124,176
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 13, 2013
Return Version
2012v2.1
Gross Receipts
$2,551,961
Mission and Program Overview

Mission

The mission of this credit union to provide the best financial service to our members.

Filing and Contact Details

Filer

EIN
39-0966830
Raw XML Appendix394 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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IRS990ScheduleD/OtherSecurities/Description2SAVINGS & LOAN CERTIFICATE
IRS990ScheduleD/OtherSecurities/Description3WISCUB, INC STOCK
IRS990ScheduleD/OtherSecurities/Description4NCUA FEDERAL INSURANCE
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IRS990ScheduleD/OtherSecurities/Description6NY LIFE INVESTMENT
IRS990ScheduleD/OtherSecurities/Description7MARINE INSURANCE SERVICES
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IRS990ScheduleO/GeneralExplanation/Explanation0THE PRESIDENT AND VICE PRESIDENT OF THIS ORGANIZATION ARE HUSBAND AND WIFE.
IRS990ScheduleO/GeneralExplanation/Explanation1THE ORGANIZATION PROVIDED THE INFORMATION NECESSARY TO THE ACCOUNTING FIRM TO PREPARE THE FORM 990. THE FORM 990 WAS THEN GIVEN TO MANAGEMENT FOR REVIEW AND BOARD APPROVAL PRIOR TO FILING IT WITH THE IRS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS CONSTANTLY MONITORED. EACH TIME AN ISSUE ARISES, THE POLICY IS REVIEWED TO ENSURE COMPLIANCE.
IRS990ScheduleO/GeneralExplanation/Explanation3THE BOARD OF DIRECTORS DETERMINES THE COMPENSATION FOR THE PRESIDENT USING COMPARABILITY STUDIES. COMPENSATION FOR ALL OTHER KEY EMPLOYEES IS DETERMINED BY THE PRESIDENT USING SIMILAR METHODS.
IRS990ScheduleO/GeneralExplanation/Explanation4THE ORGANIZATION'S RECORDS ARE KEPT AT THE CREDIT UNION FOR PUBLIC INSPECTION AND MEMBERS ARE ADVISED TO REQUEST THESE DOCUMENTS AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 2
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IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION B, LINE 12C
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IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION C, LINE 19
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ReturnHeader/Officer/Name0JOHN LAUFENBERG
ReturnHeader/Officer/Phone06083724736
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ReturnHeader/Preparer/DatePrepared02013-04-24
ReturnHeader/PreparerFirm/EIN0410746749
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10435 JULIE STREET
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0TOMAH
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode054660
ReturnHeader/Preparer/Name0TERRIE GAARDER CPA
ReturnHeader/Preparer/Phone06083722177
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-13T16:09:37-05:00

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$121$106$14.8$6.27$4.21$2.06
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$110$96.8$12.8$5.88$4.03$1.85
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$99.0$88.1$10.9$4.84$3.10$1.74
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$98.5$89.4$9.17$3.38$2.42$0.95
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$100$91.8$8.21$3.06$2.46$0.59
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$88.9$81.3$7.62$3.14$2.55$0.59
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.6$59.6$7.03$3.15$2.44$0.70
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.5$56.2$6.33$2.87$2.36$0.51
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$60.3$54.5$5.82$2.56$2.29$0.27
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.8$52.3$5.55$2.36$2.36$0.00
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.3$51.7$5.55$2.24$2.14$0.10
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$56.8$51.4$5.45$2.18$2.06$0.12
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$54.5$49.2$5.33$2.43$2.12$0.30
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.7$48.6$5.11$2.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.3$47.6$4.75$2.34
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.1$45.4$4.71$2.41