Civic Intelligence

Kilowatt Credit Union

990 • Fiscal year 2013 • EIN 39-0989555

Jan 01, 2013 to Jul 31, 2013 • Filed on Aug 01, 2013

Organization Profile

View Organization Page

4902 N Biltmore Lane Suite 154553718
Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2013

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2013

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

1st percentile

-100%

Faster asset growth than 1% of similar nonprofits.

2013 filings • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $21,790,148 (-100%) from 2012

Net Assets

Down

$0

Down $3,753,937 (-100%) from 2012

Liabilities

Down

$0

Down $18,036,211 (-100%) from 2012

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$1,702,542

Up $1,074,636 (+171%) from 2012

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

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

$30M$20M$10M$0Assets 2010: $22,677,874Liabilities 2010: $18,889,529Net Assets 2010: $3,788,3452010Assets 2011: $22,624,700Liabilities 2011: $18,813,051Net Assets 2011: $3,811,6492011Assets 2012: $21,790,148Liabilities 2012: $18,036,211Net Assets 2012: $3,753,9372012Assets 2013: $0Liabilities 2013: $0Net Assets 2013: $02013

Highlighted filing

2013

Assets$0
Liabilities$0
Net Assets$0
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $760,2932010Expenses 2011: $704,1962011Expenses 2012: $627,9062012Expenses 2013: $1,702,5422013

Highlighted filing

2013

Revenue-
Expenses$1,702,542
Net Income-
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Jul 31, 2013
Signed
Aug 1, 2013
Return Version
2012v2.3
Gross Receipts
$340,557
Mission and Program Overview

Major Activities

Activity 2
The credit union has several types of loan programs available for our members. We funded 231 new loans during 2013. As of 07/31/2013 we had 593 loans to our members.
Activity 3
.
Filing and Contact Details

Filer

EIN
39-0989555
Raw XML Appendix392 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/Activity2/Description0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 231 NEW LOANS DURING 2013. AS OF 07/31/2013 WE HAD 593 LOANS TO OUR MEMBERS.
IRS990/Activity3/Description0.
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IRS990/Form990PartVIISectionA/Title1VICE CHAIR
IRS990/Form990PartVIISectionA/Title2DIRECTOR
IRS990/Form990PartVIISectionA/Title3DIRECTOR
IRS990/Form990PartVIISectionA/Title4DIRECTOR
IRS990/Form990PartVIISectionA/Title5SECRETARY
IRS990/Form990PartVIISectionA/Title6DIRECTOR
IRS990/Form990PartVIISectionA/Title7PRESIDENT
IRS990/Form990PartVIISectionA/Title8VICE PRESIDE
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IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0NICOLETTE TROIA 190,500 0 0
IRS990ScheduleJ/Form990ScheduleJPartIII/Identifier0SEVERANCE, NONQUALIFIED, AND EQUITY-BASED PAYMENTS
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference0SCHEDULE J, PAGE 1, PART I, LINE 4
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IRS990ScheduleN/Form990ScheduleNPartIII/Explanation0JACQUELINE FLACK ERBACH VICE PRESIDENT WILL BECOME AN EMPLOYEE OF HEARTLAND CREDIT UNION IN THE OPERATIONS DEPARTMENT SHE RECEIVED A BONUS IN RECOGNITION FOR YEARS OF SERVICE SHE ALSO RECEIVED A SHARE OF THE DISBURSEMENT OF UNVESTED 401K FUNDS OF FORMER EMPLOYEES NICOLETTE TROIA PRESIDENT RECEIVED TWO YEARS SEVERANCE COMPENSATION PLUS FUNDS TO PAY THE COST OF COBRA INSURANCE SHE ALSO RECEIVED A SHARE OF THE DISBURSEMENT OF UNVESTED 401K FUNDS OF FORMER EMPLOYEES
IRS990ScheduleN/Form990ScheduleNPartIII/Explanation1KILOWATT CREDIT UNION MERGERED WITH HEARTLAND CREDIT UNION OF MADISON WI ON AUGUST 01 2013 A COPY OF THE REGULATORY APPROVAL IS INCLUDED WITH THIS RETURN
IRS990ScheduleN/Form990ScheduleNPartIII/Identifier0DETAIL
IRS990ScheduleN/Form990ScheduleNPartIII/Identifier1ADDITIONAL INFORMATION
IRS990ScheduleN/Form990ScheduleNPartIII/ReturnReference0SCHEDULE N PAGE 1 PART I LINE 2E
IRS990ScheduleN/Form990ScheduleNPartIII/ReturnReference1SCHEDULE N
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IRS990ScheduleN/LiquidationTable/LiquidationDetail/DateOfDistribution12013-08-01
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IRS990ScheduleN/LiquidationTable/LiquidationDetail/DescriptionOfAsset0LOANS TO MEMERS
IRS990ScheduleN/LiquidationTable/LiquidationDetail/DescriptionOfAsset1INVESTMENTS & DEPOSITS
IRS990ScheduleN/LiquidationTable/LiquidationDetail/DescriptionOfAsset2OREO PROPERTY
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IRS990ScheduleN/LiquidationTable/LiquidationDetail/MethodOfFMVDetermination1BOOK VALUE
IRS990ScheduleN/LiquidationTable/LiquidationDetail/MethodOfFMVDetermination2BOOK VALUE
IRS990ScheduleN/LiquidationTable/LiquidationDetail/NamePerson0HEARTLAND CREDIT UNION
IRS990ScheduleN/LiquidationTable/LiquidationDetail/NamePerson1HEARTLAND CREDIT UNION
IRS990ScheduleN/LiquidationTable/LiquidationDetail/NamePerson2HEARTLAND CREDIT UNION
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IRS990ScheduleO/GeneralExplanation/Explanation0TO SERVE THE COMMUNITIES IN COLUMBIA, DANE, DODGE AND SAUK COUNTIES AND THE EMPLOYEES AND FAMILIES OF ALLIANT ENERGY CORPORATION AND ITS SUBSIDIARIES BY MAINTAINING THE CREDIT UNION IDEAL OF PEOPLE HELPING PEOPE THROUGH FRIENDLY, HIGH-QUALITY SERVICE WITH THEIR FINANCIAL NEEDS IN MIND.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION MERGED WITH HEARTLAND CREDIT UNION OF MADISON WI AS OF AUGUST 1, 2013.
IRS990ScheduleO/GeneralExplanation/Explanation2THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, YOU MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation3THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation4A 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/GeneralExplanation/Explanation5MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR POSSIBLE ERRORS, AND THEN AUTHORIZES CPA TO FILE THE APPROVED RETURN.
IRS990ScheduleO/GeneralExplanation/Explanation6DIRECTORS ANNUALLY REVIEW THE CONFLICT OF INTEREST POLICY AND SIGN STATEMENTS LISTING CONFLICTS OF INTEREST, IF ANY. STATEMENTS ARE RETAINED AND POTENTIAL CONFLICTS MONITORED BY THE CREDIT UNION PRESIDENT.
IRS990ScheduleO/GeneralExplanation/Explanation7BOARD REVIEWS THE ANNUAL WISCONSIN CREDIT UNION LEAGUE STAFF COMPENSATION SURVEY TO SEE COMPENSATION AT PEER CREDIT UNIONS AND THE AVERAGE EXPECTED SALARY INCREASES. THE BOARD THEN DETERMINES COMPENSATION FOR THE FOLLOWING YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation8BOARD REVIEWS THE ANNUAL WISCONSIN CREDIT UNION LEAGUE STAFF COMPENSATION SURVEY TO SEE COMPENSATION AT PEER CREDIT UNIONS AND THE AVERAGE EXPECTED SALARY INCREASES. THE BOARD THEN DETERMINES COMPENSATION FOR THE FOLLOWING YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation9ANNUAL REPORT WITH FINANCIAL STATEMENTS ARE DISTRIBUTED TO MEMBERS AT ANNUAL MEETING. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation10MERGER WITH HEARTLAND CREDIT UNION 2,391,952
IRS990ScheduleO/GeneralExplanation/Identifier0ORGANIZATION'S MISSION
IRS990ScheduleO/GeneralExplanation/Identifier1ANY SIGNIFICANT CHANGES IN CONDUCT FOR PROGRAM SERVICES
IRS990ScheduleO/GeneralExplanation/Identifier2CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier3ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier4DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier5ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier6ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier7COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier8COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier9GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier10OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 2, PART III, LINE 3
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/GeneralExplanation/ReturnReference9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference10FORM 990, PART XI, LINE 9
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IRS990/TotalLiabilities/BOY018036211
IRS990/TotalLiabilitiesBOY018036211
IRS990/TotalLiabilities/EOY00
IRS990/TotalLiabilitiesEOY00
IRS990/TotalLiabNetAssetsFundBalances/BOY021790148
IRS990/TotalLiabNetAssetsFundBalances/EOY00
IRS990/TotalNbrEmployees03
IRS990/TotalNbrVolunteers01
IRS990/TotalNetAssetsFundBalances/BOY03753937
IRS990/TotalNetAssetsFundBalances/EOY00
IRS990/TotalOtherCompensation029656
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue0308355
IRS990/TotalReportableCompFromOrg0301476
IRS990/TotalRevenueCurrentYear0340557
IRS990/TotalRevenue/ExclusionAmount031202
IRS990/TotalRevenuePriorYear0570194
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0309355
IRS990/TotalRevenue/TotalRevenueColumn0340557
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0WWW.KILOWATTCU.ORG
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01935
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0390989555
ReturnHeader/Filer/Name/BusinessNameLine10KILOWATT CREDIT UNION
ReturnHeader/Filer/NameControl0KILO
ReturnHeader/Filer/Phone06082561001
ReturnHeader/Filer/USAddress/AddressLine104902 N BILTMORE LANE SUITE 1545
ReturnHeader/Filer/USAddress/City0MADISON
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053718
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02013-08-01
ReturnHeader/Officer/Name0NICKI TROIA
ReturnHeader/Officer/Phone06082561001
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/Preparer/DatePrepared02013-09-20
ReturnHeader/Preparer/Name0BRENT WOOKEY
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02013-01-01
ReturnHeader/TaxPeriodEndDate02013-07-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-09-20T10:33:51-05:00

Document Assets

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Filings

Displayed year

2013 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
-
Expenses
$1,702,542
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$1.70
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.8$18.0$3.75$0.63
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.6$18.8$3.81$0.70
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.7$18.9$3.79$0.76