Civic Intelligence

Ripple Credit Union

990 • Fiscal year 2013 • EIN 39-0992061

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 01, 2014

Organization Profilewww.healthcarecu.org

View Organization Page

PO Box 2346Oshkosh, WI 54903-2346

(920) 233-1140

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

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

Liabilities / Revenue

40th percentile

17.57x

Higher debt load relative to revenue than 40% of similar nonprofits.

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

Net Margin

90th percentile

19%

Higher net margin than 90% of similar nonprofits.

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

Top Officer Pay

54th percentile

$70,280

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 10.1% of source-year revenue.

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

Asset Growth

22nd percentile

-1.9%

Faster asset growth than 22% of similar nonprofits.

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

Revenue Growth

39th percentile

1.0%

Faster revenue growth than 39% of similar nonprofits.

2013 filings • $10M-$25M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Down

$13,393,162

Down $255,867 (-1.9%) from 2012

Net Assets

Up

$1,223,113

Up $133,658 (+12%) from 2012

Liabilities

Down

$12,170,049

Down $389,525 (-3.1%) from 2012

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin90th percentile

Revenue

$692,706

No earlier filing loaded for comparison.

Expenses

Down

$559,048

Down $22,675 (-3.9%) from 2012

Net Income

$133,658

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth22nd percentile

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

$40M$30M$20M$10M$0Assets 2010: $13,518,015Liabilities 2010: $12,555,199Net Assets 2010: $962,8162010Assets 2011: $13,166,937Liabilities 2011: $12,135,698Net Assets 2011: $1,031,2392011Assets 2012: $13,649,029Liabilities 2012: $12,559,574Net Assets 2012: $1,089,4552012Assets 2013: $13,393,162Liabilities 2013: $12,170,049Net Assets 2013: $1,223,1132013Assets 2014: $13,380,730Liabilities 2014: $12,128,134Net Assets 2014: $1,252,5962014Assets 2015: $15,695,128Liabilities 2015: $14,150,388Net Assets 2015: $1,544,7402015Assets 2017: $16,821,905Liabilities 2017: $15,076,661Net Assets 2017: $1,745,2442017Assets 2018: $17,761,083Liabilities 2018: $15,733,186Net Assets 2018: $2,027,8972018Assets 2019: $20,129,284Liabilities 2019: $17,720,763Net Assets 2019: $2,408,5212019Assets 2020: $25,337,183Liabilities 2020: $22,566,230Net Assets 2020: $2,770,9532020Assets 2024: $35,727,612Liabilities 2024: $30,931,250Net Assets 2024: $4,796,3622024

Highlighted filing

2013

Assets$13,393,162
Liabilities$12,170,049
Net Assets$1,223,113
Open 2013 Filing

Operations Trend

Revenue Growth39th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $637,1992010Revenue 2011: $679,555Expenses 2011: $611,132Net Income 2011: $68,4232011Expenses 2012: $581,7232012Revenue 2013: $692,706Expenses 2013: $559,048Net Income 2013: $133,6582013Revenue 2014: $641,152Expenses 2014: $611,669Net Income 2014: $29,4832014Revenue 2015: $682,228Expenses 2015: $705,331Net Income 2015: -$23,1032015Revenue 2017: $871,700Expenses 2017: $725,494Net Income 2017: $146,2062017Revenue 2018: $1,096,804Expenses 2018: $814,151Net Income 2018: $282,6532018Revenue 2019: $1,314,857Expenses 2019: $934,233Net Income 2019: $380,6242019Revenue 2020: $1,429,173Expenses 2020: $1,066,741Net Income 2020: $362,4322020Revenue 2024: $2,361,545Expenses 2024: $1,769,812Net Income 2024: $591,7332024

Highlighted filing

2013

Revenue$692,706
Expenses$559,048
Net Income$133,658
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 1, 2014
Return Version
2013v3.1
Gross Receipts
$975,368
Mission and Program Overview

Mission

To provide appropriate financial services to our members so they may increase their personal financial strength and stability.

To provide appropriate financial services to health care workers who are employed or reside in Winnebago County, Wisconsin, so that they may increase their personal financial strength and stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$10,565,415$10,918,887▲ $353,472
Savings and Temporary Cash Investments$2,623,327$1,765,789▼ $857,538
Rtn Earn Endowment Incm Other Fnds$1,089,455$1,223,113▲ $133,658
Land, Buildings, and Equipment, Net$97,185$326,684▲ $229,499
Cash and Non-Interest-Bearing Accounts$205,074$219,026▲ $13,952
Investments Program Related$120,782$125,438▲ $4,656
Prepaid Expenses and Deferred Charges$13,813$14,176▲ $363
Accounts Receivable$123--
Total Assets$13,649,029$13,393,162▼ $255,867
Other Assets Total$23,310$23,162▼ $148
Liabilities
Other Liabilities$12,543,897$12,129,300▼ $414,597
Mortgage Notes Payable Secured by Investment Property-$26,559-
Accounts Payable and Accrued Expenses$15,677$14,190▼ $1,487
Total Liabilities$12,559,574$12,170,049▼ $389,525
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,089,455$1,223,113▲ $133,658
Total Liabilities and Net Assets / Fund Balance$13,649,029$13,393,162▼ $255,867

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$177,530-$177,530
Land$132,000-$132,000
Other Land Buildings$6,354$111,428$117,782
Equipment$10,800$104,415$115,215
Investment Program Related Org$125,438--
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rita VoightPresidentFT$65,358$4,922$70,280

Board Members and Trustees

NameTitle
Elizabeth CummingsChairman
Ted BowenVice-Chair
Adam EllisonDirector
Cheryl MinerathDirector
Kim Jones VerstegenDirector
Paula PedrettiSecretary
Lory ClochesyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$626,539
Investment Income
$62,836
Other Revenue
$3,331
Change in Net Assets
$133,658
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$305,689
Other Expenses$253,359
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$192,552
Office Expenses---$92,934
Current Officers, Directors, Trustees, and Key Employees---$65,358
Payroll Taxes---$25,671
Other Employee Benefits---$19,524
All Other Expenses---$14,982
Payments to Affiliates---$10,404
Advertising---$9,707
Other Expenses-$8,938-$8,938
Occupancy---$7,940
Information Technology---$6,599
Pension Plan Contributions---$2,584
Conferences and Meetings---$2,137
Fees for Services Accounting---$1,400
Total Functional Expenses$0$0$0$559,048
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 & Deposits$12,129,242
Accrued Dividends$58
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
Yes
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

“Form 990 is provided to the board of directors and approved at our next scheduled board meeting.”

Conflict of interest policy compliance Part VI line 12C

“Annual review.”

CEO executive director top management comp Part VI line 15A

“The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce”

Other officer or key employee compensation Part VI line 15B

“The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce”

Governing documents etc available to public Part VI line 19

“Available at annual meeting and upon request.”

Filing and Contact Details

Filer

EIN
39-0992061

Signing Officer

Name
Rita Voight
Title
President
Phone
9202331140
Signed
2014-11-01
Discuss with paid preparer
No

Organization Details

Principal Officer
Rita Voight
Formed
1960
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
9

Preparer

Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Unrelated business income explanation Part V line 3B

“Extension filed for the Form 990-T”

Raw XML Appendix380 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/BOYAmt015677
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt014190
IRS990/AccountsReceivableGrp/BOYAmt0123
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To provide appropriate financial services to health care workers who are employed or reside in Winnebago County, Wisconsin, so that they may increase their personal financial strength and stability.
IRS990/AdvertisingGrp/TotalAmt09707
IRS990/AllOtherExpensesGrp/TotalAmt014982
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Rita Voight
IRS990/BooksInCareOfDetail/PhoneNum09202331140
IRS990/BooksInCareOfDetail/USAddress/AddressLine10PO BOX 2346
IRS990/BooksInCareOfDetail/USAddress/City0Oshkosh
IRS990/BooksInCareOfDetail/USAddress/State0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode0549032346
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0205074
IRS990/CashNonInterestBearingGrp/EOYAmt0219026
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt065358
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt02137
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt062836
IRS990/CYOtherExpensesAmt0253359
IRS990/CYOtherRevenueAmt03331
IRS990/CYProgramServiceRevenueAmt0626539
IRS990/CYRevenuesLessExpensesAmt0133658
IRS990/CYSalariesCompEmpBnftPaidAmt0305689
IRS990/CYTotalExpensesAmt0559048
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0692706
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0We have deposit, transaction, and investment accounts with 2103 members at 12/31. During 2013, we opened 469 new deposit, transaction and investment accounts.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt01400
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt84922
IRS990/Form990PartVIISectionAGrp/PersonNm0Elizabeth Cummings
IRS990/Form990PartVIISectionAGrp/PersonNm1Cheryl Minerath
IRS990/Form990PartVIISectionAGrp/PersonNm2Paula Pedretti
IRS990/Form990PartVIISectionAGrp/PersonNm3Adam Ellison
IRS990/Form990PartVIISectionAGrp/PersonNm4Ted Bowen
IRS990/Form990PartVIISectionAGrp/PersonNm5Lory Clochesy
IRS990/Form990PartVIISectionAGrp/PersonNm6Kim Jones Verstegen
IRS990/Form990PartVIISectionAGrp/PersonNm7Cheryl Minerath
IRS990/Form990PartVIISectionAGrp/PersonNm8Rita Voight
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt865358
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/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8President
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr01960
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt039471
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0322133
IRS990/GrossReceiptsAmt0975368
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InformationTechnologyGrp/TotalAmt06599
IRS990/InvestmentIncomeGrp/ExclusionAmt023365
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt023365
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0120782
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0125438
IRS990/IRPDocumentCnt0510
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0215843
IRS990/LandBldgEquipBasisNetGrp/BOYAmt097185
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0326684
IRS990/LandBldgEquipCostOrOtherBssAmt0542527
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0282662
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To provide appropriate financial services to health care workers who are employed or reside in Winnebago County, Wisconsin, so that they may increase their personal financial strength and stability.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt026559
IRS990/NetAssetsOrFundBalancesBOYAmt01089455
IRS990/NetAssetsOrFundBalancesEOYAmt01223113
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt039471
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt039471
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt07940
IRS990/OfficeExpensesGrp/TotalAmt092934
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt023310
IRS990/OtherAssetsTotalGrp/EOYAmt023162
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt019524
IRS990/OtherExpensesGrp/Desc0Dividends to Members
IRS990/OtherExpensesGrp/Desc1Member InsuranceNCUSIF
IRS990/OtherExpensesGrp/Desc2Member AccountCard Fees
IRS990/OtherExpensesGrp/Desc3Loan ServicingLoan Loss
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt030307
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt110298
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt257713
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt38938
IRS990/OtherExpensesGrp/TotalAmt030307
IRS990/OtherExpensesGrp/TotalAmt110298
IRS990/OtherExpensesGrp/TotalAmt257713
IRS990/OtherExpensesGrp/TotalAmt38938
IRS990/OtherLiabilitiesGrp/BOYAmt012543897
IRS990/OtherLiabilitiesGrp/EOYAmt012129300
IRS990/OtherSalariesAndWagesGrp/TotalAmt0192552
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt010565415
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt010918887
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt010404
IRS990/PayrollTaxesGrp/TotalAmt025671
IRS990/PensionPlanContributionsGrp/TotalAmt02584
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt013813
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt014176
IRS990/PrincipalOfficerNm0Rita Voight
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2519100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Other Member Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Non-Member ATM
IRS990/ProgramServiceRevenueGrp/Desc3Investment Referrals
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0520620
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt199804
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22192
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0520620
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt199804
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23923
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt32192
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt03923
IRS990/ProgSrvcAccomActy2Grp/Desc0We funded 239 loans during 2013. As of 12/31/13, we had 37 mortgages/home equity lines, and 202 consumer loans.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt022058
IRS990/PYOtherExpensesAmt0291845
IRS990/PYOtherRevenueAmt03090
IRS990/PYProgramServiceRevenueAmt0614791
IRS990/PYRevenuesLessExpensesAmt058216
IRS990/PYSalariesCompEmpBnftPaidAmt0289878
IRS990/PYTotalExpensesAmt0581723
IRS990/PYTotalRevenueAmt0639939
IRS990/ReconcilationRevenueExpnssAmt0133658
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt03331
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt03331
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01089455
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01223113
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02623327
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01765789
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0177530
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0177530
IRS990ScheduleD/EquipmentGrp/BookValueAmt010800
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0104415
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0115215
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0125438
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0132000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0132000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt06354
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0111428
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0117782
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012129242
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt158
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0326684
IRS990ScheduleD/TotalBookValueProgramRltdAmt0125438
IRS990ScheduleD/TotalLiabilityAmt012129300
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Extension filed for the Form 990-T
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The 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).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Each 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/ExplanationTxt4Form 990 is provided to the board of directors and approved at our next scheduled board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annual review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Available at annual meeting and upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Unrelated business income explanation Part V line 3b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt013649029
IRS990/TotalAssetsEOYAmt013393162
IRS990/TotalAssetsGrp/BOYAmt013649029
IRS990/TotalAssetsGrp/EOYAmt013393162
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0559048
IRS990/TotalGrossUBIAmt03923
IRS990/TotalLiabilitiesBOYAmt012559574
IRS990/TotalLiabilitiesEOYAmt012170049
IRS990/TotalLiabilitiesGrp/BOYAmt012559574
IRS990/TotalLiabilitiesGrp/EOYAmt012170049
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01089455
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01223113
IRS990/TotalOtherCompensationAmt04922
IRS990/TotalProgramServiceRevenueAmt0626539
IRS990/TotalReportableCompFromOrgAmt065358
IRS990/TotalRevenueGrp/ExclusionAmt066167
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0622616
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0692706
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03923
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013649029
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013393162
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.healthcarecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Rita Voight
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09202331140
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-01
ReturnHeader/Filer/BusinessName/BusinessNameLine10Health Care Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0HEAL
ReturnHeader/Filer/EIN0390992061
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 2346
ReturnHeader/Filer/USAddress/City0Oshkosh
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode0549032346
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/PreparationDt02014-11-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-11-11T16:37:44-06:00
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
$13,393,162
Liabilities
$12,170,049
Net assets
$1,223,113
Revenue
$692,706
Expenses
$559,048
Net income
$133,658
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.7$30.9$4.80$2.36$1.77$0.59
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.3$22.6$2.77$1.43$1.07$0.36
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.1$17.7$2.41$1.31$0.93$0.38
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.8$15.7$2.03$1.10$0.81$0.28
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.8$15.1$1.75$0.87$0.73$0.15
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.7$14.2$1.54$0.68$0.71$0.02
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.4$12.1$1.25$0.64$0.61$0.03
2013Detailed filing. Detailed filing data is available for this year.$13.4$12.2$1.22$0.69$0.56$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.6$12.6$1.09$0.58
2011Summary only. Only limited summary data is available for this year.$13.2$12.1$1.03$0.68$0.61$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.5$12.6$0.96$0.64
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $10M-$25M nonprofits