Civic Intelligence

Dairyland Power Cu

990 • Fiscal year 2014 • EIN 39-1016558

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 03, 2015

Organization Profilewww.dpcreditunion.com

View Organization Page

3200 East Ave SLa Crosse, WI 54601

(608) 787-1283

Siviq Scores

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

Liabilities / Assets

30th percentile

0.83x

Higher debt load relative to assets than 30% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

75th percentile

25.50x

Higher debt load relative to revenue than 75% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

57th percentile

7.2%

Higher net margin than 57% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

35th percentile

$60,352

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 14.4% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

73rd percentile

4.2%

Faster asset growth than 73% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

84th percentile

7.0%

Faster revenue growth than 84% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$12,914,916

Up $524,480 (+4.2%) from 2013

Net Assets

Up

$2,224,574

Up $30,090 (+1.4%) from 2013

Liabilities

Up

$10,690,342

Up $494,390 (+4.8%) from 2013

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin57th percentile

Revenue

Up

$419,185

Up $27,260 (+7.0%) from 2013

Expenses

Down

$389,095

Down $10,138 (-2.5%) from 2013

Net Income

Up

$30,090

Up $37,398 (+512%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth73rd percentile

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

$20M$15M$10M$5.0M$0Assets 2011: $12,356,848Liabilities 2011: $10,127,583Net Assets 2011: $2,229,2652011Assets 2012: $12,392,361Liabilities 2012: $10,190,569Net Assets 2012: $2,201,7922012Assets 2013: $12,390,436Liabilities 2013: $10,195,952Net Assets 2013: $2,194,4842013Assets 2014: $12,914,916Liabilities 2014: $10,690,342Net Assets 2014: $2,224,5742014Assets 2017: $14,359,710Liabilities 2017: $11,764,427Net Assets 2017: $2,595,2832017Assets 2018: $15,144,816Liabilities 2018: $12,350,104Net Assets 2018: $2,794,7122018Assets 2019: $15,845,342Liabilities 2019: $12,856,856Net Assets 2019: $2,988,4862019Assets 2020: $18,375,911Liabilities 2020: $15,252,486Net Assets 2020: $3,123,4252020Assets 2021: $19,712,630Liabilities 2021: $16,479,784Net Assets 2021: $3,232,8462021Assets 2022: $19,297,826Liabilities 2022: $15,831,398Net Assets 2022: $3,466,4282022

Highlighted filing

2014

Assets$12,914,916
Liabilities$10,690,342
Net Assets$2,224,574
Open 2014 Filing

Operations Trend

Revenue Growth84th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2011: $478,2122011Expenses 2012: $429,4122012Revenue 2013: $391,925Expenses 2013: $399,233Net Income 2013: -$7,3082013Revenue 2014: $419,185Expenses 2014: $389,095Net Income 2014: $30,0902014Revenue 2017: $564,697Expenses 2017: $415,438Net Income 2017: $149,2592017Revenue 2018: $627,487Expenses 2018: $428,059Net Income 2018: $199,4282018Revenue 2019: $661,068Expenses 2019: $467,294Net Income 2019: $193,7742019Revenue 2020: $618,572Expenses 2020: $483,633Net Income 2020: $134,9392020Revenue 2021: $608,671Expenses 2021: $499,250Net Income 2021: $109,4212021Revenue 2022: $660,783Expenses 2022: $427,201Net Income 2022: $233,5822022

Highlighted filing

2014

Revenue$419,185
Expenses$389,095
Net Income$30,090
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 3, 2015
Return Version
2014v5.0
Gross Receipts
$428,569
Mission and Program Overview

Mission

Dairyland power credit union is dedicated to our members' best interest by offering competitively priced, diversified, and financially sound products and services provided in a professional and friendly manner.

Dairyland Power Credit Union is dedicated to our members' best interest by offering competitively priced, diversified and financially sound products and services provided in a professional and friendly manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,111,240$6,885,646▲ $774,406
Savings and Temporary Cash Investments$5,909,437$5,642,529▼ $266,908
Rtn Earn Endowment Incm Other Fnds$2,194,484$2,224,574▲ $30,090
Cash and Non-Interest-Bearing Accounts$207,003$238,981▲ $31,978
Investments Program Related$98,810$98,346▼ $464
Prepaid Expenses and Deferred Charges$34,107$26,036▼ $8,071
Land, Buildings, and Equipment, Net$15,906$8,470▼ $7,436
Accounts Receivable$1,680--
Total Assets$12,390,436$12,914,916▲ $524,480
Other Assets Total$12,253$14,908▲ $2,655
Liabilities
Other Liabilities$10,165,163$10,660,667▲ $495,504
Accounts Payable and Accrued Expenses$30,789$29,675▼ $1,114
Total Liabilities$10,195,952$10,690,342▲ $494,390
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,194,484$2,224,574▲ $30,090
Total Liabilities and Net Assets / Fund Balance$12,390,436$12,914,916▲ $524,480

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,578$54,536$56,114
Other Land Buildings$3,277$50,657$53,934
Leasehold Improvements$3,615$1,914$5,529
Investment Program Related Org$2,000--
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan JohnsonManagerFT$58,091$2,261$60,352

Board Members and Trustees

NameTitle
Lori FlockChair
Bart PedrettiVice-Chair
Darla BinghamDirector
Patricia FettingDirector
Roger GausmannDirector
Kurt BaumgartenSecretary
Teri PoellingerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$367,693
Investment Income
$45,108
Other Revenue
$6,384
Change in Net Assets
$30,090
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$211,025
Other Expenses$178,070
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$128,196
Current Officers, Directors, Trustees, and Key Employees---$58,091
Office Expenses---$48,920
Advertising---$29,961
Other Expenses-$17,215-$17,215
Payroll Taxes---$15,607
Fees for Services Other---$15,183
Information Technology---$14,882
Insurance---$9,854
Payments to Affiliates---$8,494
All Other Expenses---$8,210
Depreciation Depletion---$7,558
Pension Plan Contributions---$6,484
Occupancy---$5,765
Fees for Services Accounting---$2,896
Other Employee Benefits---$2,647
Conferences and Meetings---$1,995
Fees for Service Investment Mgmnt Fees---$1,116
Total Functional Expenses$0$0$0$389,095
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$10,660,666
Accrued Dividends$1
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
No
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

“The credit union manager is responsible for reviewing the 990 report and comparing the final numbers to supporting documentation (general ledger reports).”

Conflict of interest policy compliance Part VI line 12C

“The board members and employees are provided with a policy manual which includes the By-Laws addressing the conflict of interest policy. Directors are encouraged to bring their manuals to the board meetings and if there was a conflict, it would be noted in the minutes.”

Governing documents etc available to public Part VI line 19

“The year-end financial statements are summarized and printed in our annual report. This report is provided to our members who attend the annual meeting; copies are also available in our credit union lobby for those who are interested and may not have attended the meeting. Our policy states members' have access to the credit union policies and limited access to board minutes.”

Filing and Contact Details

Filer

Filer Name
Dairyland Power CU
EIN
39-1016558
Address
3200 East Ave S, La Crosse, WI 54601

Signing Officer

Name
Susan Johnson
Title
Manager
Phone
6087871283
Signed
2015-08-03
Discuss with paid preparer
No

Organization Details

Principal Officer
Susan Johnson
Formed
1952
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
11

Preparer

Firm
WCUL Services Corp
Address
N25W23131 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix370 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/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt06384
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt06384
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02194484
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02224574
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05909437
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05642529
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt01578
IRS990ScheduleD/EquipmentGrp/DepreciationAmt054536
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt056114
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt096346
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt12000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1ICUL-Apollo Compensating
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03615
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01914
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt05529
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03277
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt050657
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt053934
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010660666
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08470
IRS990ScheduleD/TotalBookValueProgramRltdAmt098346
IRS990ScheduleD/TotalLiabilityAmt010660667
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The 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/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/ExplanationTxt3The credit union manager is responsible for reviewing the 990 report and comparing the final numbers to supporting documentation (general ledger reports).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The board members and employees are provided with a policy manual which includes the By-Laws addressing the conflict of interest policy. Directors are encouraged to bring their manuals to the board meetings and if there was a conflict, it would be noted in the minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The year-end financial statements are summarized and printed in our annual report. This report is provided to our members who attend the annual meeting; copies are also available in our credit union lobby for those who are interested and may not have attended the meeting. Our policy states members' have access to the credit union policies and limited access to board minutes.
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/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012390436
IRS990/TotalAssetsEOYAmt012914916
IRS990/TotalAssetsGrp/BOYAmt012390436
IRS990/TotalAssetsGrp/EOYAmt012914916
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0389095
IRS990/TotalGrossUBIAmt02650
IRS990/TotalLiabilitiesBOYAmt010195952
IRS990/TotalLiabilitiesEOYAmt010690342
IRS990/TotalLiabilitiesGrp/BOYAmt010195952
IRS990/TotalLiabilitiesGrp/EOYAmt010690342
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02194484
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02224574
IRS990/TotalOtherCompensationAmt02261
IRS990/TotalProgramServiceRevenueAmt0367693
IRS990/TotalReportableCompFromOrgAmt058091
IRS990/TotalRevenueGrp/ExclusionAmt051492
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0365043
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0419185
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02650
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012390436
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012914916
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.dpcreditunion.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Susan Johnson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06087871283
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-08-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Dairyland Power CU
ReturnHeader/Filer/BusinessNameControlTxt0DAIR
ReturnHeader/Filer/EIN0391016558
ReturnHeader/Filer/USAddress/AddressLine1Txt03200 East Ave S
ReturnHeader/Filer/USAddress/CityNm0La Crosse
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054601
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02015-08-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02015-08-13T19:37:32-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,914,916
Liabilities
$10,690,342
Net assets
$2,224,574
Revenue
$419,185
Expenses
$389,095
Net income
$30,090
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
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.$19.3$15.8$3.47$0.66$0.43$0.23
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.7$16.5$3.23$0.61$0.50$0.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.4$15.3$3.12$0.62$0.48$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.8$12.9$2.99$0.66$0.47$0.19
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.1$12.4$2.79$0.63$0.43$0.20
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.4$11.8$2.60$0.56$0.42$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.
2014Detailed filing. Detailed filing data is available for this year.$12.9$10.7$2.22$0.42$0.39$0.03
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$12.4$10.2$2.19$0.39$0.40$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$10.2$2.20$0.43
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$10.1$2.23$0.48
Peer Organizations

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