Liabilities / Assets
61st percentile
Higher debt load relative to assets than 61% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
61st percentile
Higher debt load relative to assets than 61% of similar nonprofits.
Liabilities / Revenue
21st percentile
Higher debt load relative to revenue than 21% of similar nonprofits.
Net Margin
83rd percentile
Higher net margin than 83% of similar nonprofits.
Top Officer Pay
91st percentile
Higher top officer pay than 91% of similar nonprofits.
Top officer pay equals 8.5% of source-year revenue.
Asset Growth
73rd percentile
Faster asset growth than 73% of similar nonprofits.
Revenue Growth
52nd percentile
Faster revenue growth than 52% of similar nonprofits.
Assets
Up$21,010,715
Up $1,303,573 (+6.6%) from 2014
Net Assets
Up$2,498,034
Up $206,529 (+9.0%) from 2014
Liabilities
Up$18,512,681
Up $1,097,044 (+6.3%) from 2014
Revenue
Up$1,352,321
Up $8,228 (+0.6%) from 2014
Expenses
Up$1,145,792
Up $66,431 (+6.2%) from 2014
Net Income
Down$206,529
Down $58,203 (-22%) from 2014
To encourage thrift among our members, to create a source of credit at a fair and reasonable cost, and to provide an opportunity for each of our members to improve their respective economic and social conditions.
SERVE OUR MEMBERS.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $16,926,173 | $17,687,321 | ▲ $761,148 |
| Rtn Earn Endowment Incm Other Fnds | $2,291,505 | $2,498,034 | ▲ $206,529 |
| Savings and Temporary Cash Investments | $783,730 | $1,254,133 | ▲ $470,403 |
| Land, Buildings, and Equipment, Net | $1,054,025 | $1,048,590 | ▼ $5,435 |
| Cash and Non-Interest-Bearing Accounts | $339,374 | $347,620 | ▲ $8,246 |
| Receivables From Officers Etc | $144,000 | $216,000 | ▲ $72,000 |
| Investments Program Related | $139,007 | $151,366 | ▲ $12,359 |
| Prepaid Expenses and Deferred Charges | $83,061 | $79,996 | ▼ $3,065 |
| Accounts Receivable | $13,592 | $21,018 | ▲ $7,426 |
| Total Assets | $19,707,142 | $21,010,715 | ▲ $1,303,573 |
| Other Assets Total | $224,180 | $204,671 | ▼ $19,509 |
| Liabilities | |||
| Other Liabilities | $17,216,518 | $18,285,704 | ▲ $1,069,186 |
| Accounts Payable and Accrued Expenses | $199,119 | $226,977 | ▲ $27,858 |
| Total Liabilities | $17,415,637 | $18,512,681 | ▲ $1,097,044 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,291,505 | $2,498,034 | ▲ $206,529 |
| Total Liabilities and Net Assets / Fund Balance | $19,707,142 | $21,010,715 | ▲ $1,303,573 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $562,863 | $84,374 | $647,237 |
| Land | $420,000 | - | $420,000 |
| Equipment | $65,727 | $314,905 | $380,632 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Nicholas Kessenich | President | FT | $106,073 | $8,344 | $114,417 |
| Name | Title |
|---|---|
| Ron Kluge | Chairman |
| Dennis Niebuhr | Vice Chair |
| Dennis Baribeau | Director |
| Gerald Ring | Director |
| Sue Powers | Director |
| Jeff Terry | Secretary |
| Line Item | Amount |
|---|---|
| Other Expenses | $655,704 |
| Salaries, Compensation, and Employee Benefits | $490,088 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $311,760 |
| Office Expenses | - | - | - | $258,473 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $106,073 |
| Fees for Services Other | - | - | - | $79,431 |
| Depreciation Depletion | - | - | - | $55,536 |
| Occupancy | - | - | - | $53,012 |
| Information Technology | - | - | - | $49,560 |
| Payroll Taxes | - | - | - | $30,328 |
| Other Employee Benefits | - | - | - | $27,574 |
| Other Expenses | - | - | - | $22,000 |
| Advertising | - | - | - | $21,277 |
| Insurance | - | - | - | $16,059 |
| Pension Plan Contributions | - | - | - | $14,353 |
| Travel | - | - | - | $5,070 |
| Fees for Services Legal | - | - | - | $1,324 |
| Total Functional Expenses | $0 | $0 | $0 | $1,145,792 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $144,000 | $216,000 | ▲ $72,000 |
| Liability | Amount |
|---|---|
| Member Shares and Deposits | $18,285,704 |
“The organization has members. To be a member, one must have a share (savings) account at the credit union.”
“The board of directors is elected by the credit union members. Each member has one vote.”
“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.”
“Management provides data to independent preparer who completes the return. Management reviews the return for accuracy and then authorizes preparer to e-file the approved return. Management reviews the return with the board at the next board meeting.”
“If we were to do any buisness with a company associated with employees or board members, it would be discussed with the board and included in the board minutes.”
“The board of directors determines the president's salary. They compare it to peer and other salary data. Approval is documented and retained by the board chairman.”
“Governing documents, policies, and financial statements are made available upon request.”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 199119 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 226977 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 13592 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 21018 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | SERVE OUR MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 21277 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | NICHOLAS KESSENICH |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6082715301 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3401 W BELTLINE HWY |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | MADISON |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 53713 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 339374 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 347620 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 106073 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 2638 |
| IRS990/CYOtherExpensesAmt | 0 | 655704 |
| IRS990/CYOtherRevenueAmt | 0 | 5584 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1344099 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 206529 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 490088 |
| IRS990/CYTotalExpensesAmt | 0 | 1145792 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1352321 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 55536 |
| IRS990/Desc | 0 | THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 202 NEW MEMBER DEPOSIT ACCOUNTS IN 2015. AS OF 12/31/15 WE HAD 2,767 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 15 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 1324 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 79431 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 8344 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | NICHOLAS KESSENICH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | RON KLUGE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | DENNIS NIEBUHR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | JEFF TERRY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | GERALD RING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | SUE POWERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DENNIS BARIBEAU |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 106073 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1955 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 1352321 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 49560 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 16059 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 2638 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 2638 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 139007 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 151366 |
| IRS990/IRPDocumentCnt | 0 | 411 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 399279 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1054025 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1048590 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1447869 |
| IRS990/LegalDomicileStateCd | 0 | WI |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | SERVE OUR MEMBERS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2291505 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2498034 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -16674 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 53012 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 258473 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 224180 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 204671 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 27574 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS PAID TO MEMBERS |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 93962 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 22000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 17216518 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 18285704 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 311760 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 16926173 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 17687321 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 30328 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 14353 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 83061 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 79996 |
| IRS990/PrincipalOfficerNm | 0 | NICHOLAS KESSENICH |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | MEMBER FEES & CHARGES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER MEMBER REALTED REVENUE |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | NON-MEMBER ATM FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | AUTO WARRANTY REVENUE |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1027384 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 246415 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 68049 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1027384 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 246415 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 68049 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 1551 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 700 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 1551 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 700 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 588 NEW LOANS TO MEMBERS DURING 2015. AS OF 12/31/15 WE HAD 1,514 LOANS TO OUR MEMBERS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | . |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 1543 |
| IRS990/PYOtherExpensesAmt | 0 | 634564 |
| IRS990/PYOtherRevenueAmt | 0 | 3130 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1339420 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 264732 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 444797 |
| IRS990/PYTotalExpensesAmt | 0 | 1079361 |
| IRS990/PYTotalRevenueAmt | 0 | 1344093 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 144000 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 216000 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 206529 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 5584 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 5584 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2291505 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2498034 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 783730 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1254133 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 562863 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 84374 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 647237 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 65727 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 314905 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 380632 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 420000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 420000 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 18285704 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES AND DEPOSITS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1048590 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 18285704 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 72000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 72000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 72000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | SPLIT DOLLAR LIFE INSUR EXEC BENEFT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | SPLIT DOLLAR LIFE INSUR EXEC BENEFT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | SPLIT DOLLAR LIFE INSUR EXEC BENEFT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 72000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 72000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 72000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | NICHOLAS KESSENICH |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | NICHOLAS KESSENICH |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | NICHOLAS KESSENICH |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | PRESIDENT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | PRESIDENT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 2 | PRESIENT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | true |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 216000 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, ONE 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 DATA TO INDEPENDENT PREPARER WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY AND THEN AUTHORIZES PREPARER TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE BOARD AT THE NEXT BOARD MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | IF WE WERE TO DO ANY BUISNESS WITH A COMPANY ASSOCIATED WITH EMPLOYEES OR BOARD MEMBERS, IT WOULD BE DISCUSSED WITH THE BOARD AND INCLUDED IN THE BOARD MINUTES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE BOARD OF DIRECTORS DETERMINES THE PRESIDENT'S SALARY. THEY COMPARE IT TO PEER AND OTHER SALARY DATA. APPROVAL IS DOCUMENTED AND RETAINED BY THE BOARD CHAIRMAN. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST. |
| 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 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 | 19707142 |
| IRS990/TotalAssetsEOYAmt | 0 | 21010715 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 19707142 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 21010715 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 15 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1145792 |
| IRS990/TotalGrossUBIAmt | 0 | 2251 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 17415637 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 18512681 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 17415637 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 18512681 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2291505 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 2498034 |
| IRS990/TotalOtherCompensationAmt | 0 | 8344 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1344099 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 106073 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 8222 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1341848 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1352321 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 2251 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 19707142 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 21010715 |
| IRS990/TravelGrp/TotalAmt | 0 | 5070 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 3401 W BELTLINE HWY |
| IRS990/USAddress/CityNm | 0 | MADISON |
| IRS990/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/USAddress/ZIPCd | 0 | 53713 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 6 |
| IRS990/WebsiteAddressTxt | 0 | MBR1CU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | NICHOLAS KESSENICH |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6082715301 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-04-12 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | MEMBERS FIRST CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MEMB |
| ReturnHeader/Filer/EIN | 0 | 391019822 |
| ReturnHeader/Filer/PhoneNum | 0 | 6082715301 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 3401 W BELTLINE HWY |
| ReturnHeader/Filer/USAddress/CityNm | 0 | MADISON |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | WI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 53713 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-04-28 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | PETER RASMUSSEN |
| ReturnHeader/ReturnTs | 0 | 2016-04-28T14:17:49-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
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