Liabilities / Assets
27th percentile
Higher debt load relative to assets than 27% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.82x
Liabilities / Revenue
62nd percentile
Higher debt load relative to revenue than 62% of similar nonprofits.
Net Margin
95th percentile
Higher net margin than 95% of similar nonprofits.
Top Officer Pay
32nd percentile
Higher top officer pay than 32% of similar nonprofits.
Top officer pay equals 12.7% of source-year revenue.
Asset Growth
28th percentile
Faster asset growth than 28% of similar nonprofits.
Revenue Growth
92nd percentile
Faster revenue growth than 92% of similar nonprofits.
Balance Sheet
Assets
$12,918,499
No earlier filing loaded for comparison.
Net Assets
$2,337,820
No earlier filing loaded for comparison.
Liabilities
$10,580,679
No earlier filing loaded for comparison.
Revenue And Expenses
Revenue
$469,773
No earlier filing loaded for comparison.
Expenses
$356,527
No earlier filing loaded for comparison.
Net Income
$113,246
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Apr 8, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $469,773
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 competively priced, diversified, and financially sound products and services provided in a professional and friendly manner.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $6,885,646 | $8,197,315 | ▲ $1,311,669 |
| Savings and Temporary Cash Investments | $5,642,529 | $3,593,923 | ▼ $2,048,606 |
| Rtn Earn Endowment Incm Other Fnds | $2,224,574 | $2,337,820 | ▲ $113,246 |
| Investments Program Related | $98,346 | $846,863 | ▲ $748,517 |
| Cash and Non-Interest-Bearing Accounts | $238,981 | $153,460 | ▼ $85,521 |
| Prepaid Expenses and Deferred Charges | $26,036 | $17,418 | ▼ $8,618 |
| Land, Buildings, and Equipment, Net | $8,470 | $8,749 | ▲ $279 |
| Total Assets | $12,914,916 | $12,918,499 | ▲ $3,583 |
| Other Assets Total | $14,908 | $100,771 | ▲ $85,863 |
| Liabilities | |||
| Other Liabilities | $10,660,667 | $10,555,445 | ▼ $105,222 |
| Accounts Payable and Accrued Expenses | $29,675 | $25,234 | ▼ $4,441 |
| Total Liabilities | $10,690,342 | $10,580,679 | ▼ $109,663 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,224,574 | $2,337,820 | ▲ $113,246 |
| Total Liabilities and Net Assets / Fund Balance | $12,914,916 | $12,918,499 | ▲ $3,583 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $1,516 | $52,514 | $54,030 |
| Other Land Buildings | $2,897 | $49,359 | $52,256 |
| Leasehold Improvements | $4,336 | $2,261 | $6,597 |
| Investment Program Related Org | $96,863 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Susan Johnson | Manager | FT | $55,962 | $3,501 | $59,463 |
Board Members and Trustees
| Name | Title |
|---|---|
| Lori Flock | Chair |
| Teri Poellinger | Vice Chair |
| Patty Fetting | Director |
| Roger Gausmann | Director |
| Vladimir Tsoy | Director |
| Tom Shanahan | Director / T |
| Kurt Baumgarten | Secretary |
| Darla Bingham | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $421,235
- Investment Income
- $46,007
- Other Revenue
- $2,531
- Change in Net Assets
- $113,246
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $225,808 |
| Other Expenses | $130,719 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $138,952 |
| Office Expenses | - | - | - | $76,313 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $55,962 |
| Advertising | - | - | - | $33,280 |
| Fees for Services Other | - | - | - | $19,568 |
| Payroll Taxes | - | - | - | $14,839 |
| Information Technology | - | - | - | $13,942 |
| Pension Plan Contributions | - | - | - | $12,370 |
| Insurance | - | - | - | $9,826 |
| Occupancy | - | - | - | $5,334 |
| Other Employee Benefits | - | - | - | $3,685 |
| Depreciation Depletion | - | - | - | $3,077 |
| Travel | - | - | - | $1,942 |
| Interest | - | - | - | $12 |
| Other Expenses | - | - | - | $-38,081 |
| Total Functional Expenses | $0 | $0 | $0 | $356,527 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares & Deposits | $10,555,445 |
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
Form 990, Page 6, Part VI, Line 6
“The organization has members. To be a member, you must have a share (savings) account at the credit union.”
Form 990, Page 6, Part VI, Line 7A
“The board of directors is elected by the credit union members. Each member has one vote.”
Form 990, Page 6, Part VI, Line 7B
“A 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.”
Form 990, Page 6, Part VI, Line 11B
“Management provides necessary data to independent preparer who prepares the 990. The credit union manager is responsible for reviewing the 990 for accuracy and comparing the final numbers to supporting documentation. The manager then approves the 990 and authorizes the form to be e-filed.”
Form 990, Page 6, Part VI, Line 12C
“Board members and employees are provided a policy manual which includes the bylaws addressing the "conflict of interest" policy. Directors are encouraged to bring their policy manuals to the board meetings and if there was ever a conflict, it would be noted in the board minutes.”
Form 990, Page 6, Part VI, Line 15A
“During the budget discussion the board determines any wage increase for the manager, and approves the increase. The apporval is part of the overall increase in wage & salary expense for the budget. Budget approval is noted in the board minutes.”
Form 990, Page 6, Part VI, Line 15B
“Approval of employees wages is part of the overall increase in wage & salary expense in the budget. Budget approval is noted in the board minutes.”
Form 990, Page 6, Part VI, Line 19
“Our policy states members' have access to credit union policies and limited access to board minutes. These are available upon request. Year end financial statements are summarized in our annual report. This report is provided at the annual meeting, and also available in the lobby.”
Filing and Contact Details
Filer
- Filer Name
- Dairyland Power Cu
- EIN
- 39-1016558
- Phone
- 6087871365
- Address
- 3200 EAST AVE SOUTH, LA CROSSE, WI 54601
Signing Officer
- Name
- Susan Johnson
- Title
- Manager
- Phone
- 6087871365
- Signed
- 2016-04-08
Organization Details
- Principal Officer
- Susan Johnson
- Formed
- 1952
- Legal Domicile
- Wi
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 4
- Volunteers
- 11
Preparer
- Preparer
- Peter Rasmussen
Raw XML Appendix342 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/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | true |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 2531 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 2531 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2224574 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2337820 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 5642529 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3593923 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1516 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 52514 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 54030 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 750000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 96863 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | INVESTMENTS W/MATURITY > 1 YR |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | CAPITAL ACCTS CORPORATE CREDIT UNION |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 4336 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 2261 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 6597 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 2897 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 49359 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 52256 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 10555445 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES & DEPOSITS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 8749 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 846863 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 10555445 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, YOU MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | A 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/SupplementalInformationDetail/ExplanationTxt | 3 | MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT PREPARER WHO PREPARES THE 990. THE CREDIT UNION MANAGER IS RESPONSIBLE FOR REVIEWING THE 990 FOR ACCURACY AND COMPARING THE FINAL NUMBERS TO SUPPORTING DOCUMENTATION. THE MANAGER THEN APPROVES THE 990 AND AUTHORIZES THE FORM TO BE E-FILED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | BOARD MEMBERS AND EMPLOYEES ARE PROVIDED A POLICY MANUAL WHICH INCLUDES THE BYLAWS ADDRESSING THE "CONFLICT OF INTEREST" POLICY. DIRECTORS ARE ENCOURAGED TO BRING THEIR POLICY MANUALS TO THE BOARD MEETINGS AND IF THERE WAS EVER A CONFLICT, IT WOULD BE NOTED IN THE BOARD MINUTES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | DURING THE BUDGET DISCUSSION THE BOARD DETERMINES ANY WAGE INCREASE FOR THE MANAGER, AND APPROVES THE INCREASE. THE APPORVAL IS PART OF THE OVERALL INCREASE IN WAGE & SALARY EXPENSE FOR THE BUDGET. BUDGET APPROVAL IS NOTED IN THE BOARD MINUTES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | APPROVAL OF EMPLOYEES WAGES IS PART OF THE OVERALL INCREASE IN WAGE & SALARY EXPENSE IN THE BUDGET. BUDGET APPROVAL IS NOTED IN THE BOARD MINUTES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | OUR POLICY STATES MEMBERS' HAVE ACCESS TO CREDIT UNION POLICIES AND LIMITED ACCESS TO BOARD MINUTES. THESE ARE AVAILABLE UPON REQUEST. YEAR END FINANCIAL STATEMENTS ARE SUMMARIZED IN OUR ANNUAL REPORT. THIS REPORT IS PROVIDED AT THE ANNUAL MEETING, AND ALSO AVAILABLE IN THE LOBBY. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 12914916 |
| IRS990/TotalAssetsEOYAmt | 0 | 12918499 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 12914916 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 12918499 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 4 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 356527 |
| IRS990/TotalGrossUBIAmt | 0 | 74 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 10690342 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 10580679 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 10690342 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 10580679 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2224574 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 2337820 |
| IRS990/TotalOtherCompensationAmt | 0 | 3501 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 421235 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 55962 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 48538 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 421161 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 469773 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 74 |
| IRS990/TotalVolunteersCnt | 0 | 11 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 12914916 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 12918499 |
| IRS990/TravelGrp/TotalAmt | 0 | 1942 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 3200 EAST AVE SOUTH |
| IRS990/USAddress/CityNm | 0 | LA CROSSE |
| IRS990/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/USAddress/ZIPCd | 0 | 54601 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.DPCREDITUNION.COM |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | SUSAN JOHNSON |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | MANAGER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6087871365 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-04-08 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | DAIRYLAND POWER CU |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | DAIR |
| ReturnHeader/Filer/EIN | 0 | 391016558 |
| ReturnHeader/Filer/PhoneNum | 0 | 6087871365 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 3200 EAST AVE SOUTH |
| ReturnHeader/Filer/USAddress/CityNm | 0 | LA CROSSE |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | WI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 54601 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-04-28 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | PETER RASMUSSEN |
| ReturnHeader/ReturnTs | 0 | 2016-04-28T12:54:30-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $12,918,499
- Liabilities
- $10,580,679
- Net assets
- $2,337,820
- Revenue
- $469,773
- Expenses
- $356,527
- Net income
- $113,246
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