Civic Intelligence

Tri County Credit Union

990 • Fiscal year 2019 • EIN 39-1022442

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 09, 2020

Organization ProfileWWW.TRI-COUNTY.ORG

View Organization Page

2205 Hall Ave Suite 107Marinette, WI 54143

(715) 735-3913

Siviq Scores

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

Liabilities / Assets

40th percentile

0.86x

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

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

66th percentile

19.50x

Higher debt load relative to revenue than 66% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

31st percentile

7.2%

Higher net margin than 31% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

26th percentile

$83,552

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

47th percentile

1.5%

Faster asset growth than 47% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

41st percentile

5.0%

Faster revenue growth than 41% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$29,163,963

Up $443,801 (+1.5%) from 2018

Net Assets

Up

$4,174,237

Up $91,849 (+2.2%) from 2018

Liabilities

Up

$24,989,726

Up $351,952 (+1.4%) from 2018

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin31st percentile

Revenue

Up

$1,281,672

Up $60,504 (+5.0%) from 2018

Expenses

Up

$1,189,824

Up $104,017 (+9.6%) from 2018

Net Income

Down

$91,848

Down $43,513 (-32%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

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

$40M$30M$20M$10M$0Assets 2010: $24,691,903Liabilities 2010: $20,712,659Net Assets 2010: $3,979,2442010Assets 2011: $25,038,465Liabilities 2011: $21,008,030Net Assets 2011: $4,030,4352011Assets 2012: $26,220,754Liabilities 2012: $22,166,192Net Assets 2012: $4,054,5622012Assets 2013: $25,698,022Liabilities 2013: $21,728,751Net Assets 2013: $3,969,2712013Assets 2014: $26,398,052Liabilities 2014: $22,508,747Net Assets 2014: $3,889,3052014Assets 2015: $27,218,214Liabilities 2015: $23,267,424Net Assets 2015: $3,950,7902015Assets 2016: $27,660,766Liabilities 2016: $23,721,129Net Assets 2016: $3,939,6372016Assets 2017: $28,154,382Liabilities 2017: $24,207,354Net Assets 2017: $3,947,0282017Assets 2018: $28,720,162Liabilities 2018: $24,637,774Net Assets 2018: $4,082,3882018Assets 2019: $29,163,963Liabilities 2019: $24,989,726Net Assets 2019: $4,174,2372019Assets 2020: $33,468,298Liabilities 2020: $29,295,842Net Assets 2020: $4,172,4562020

Highlighted filing

2019

Assets$29,163,963
Liabilities$24,989,726
Net Assets$4,174,237
Open 2019 Filing

Operations Trend

Revenue Growth41st percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,080,2042010Expenses 2011: $999,0652011Expenses 2012: $1,001,9202012Revenue 2013: $858,263Expenses 2013: $943,554Net Income 2013: -$85,2912013Revenue 2014: $832,381Expenses 2014: $909,416Net Income 2014: -$77,0352014Revenue 2015: $903,299Expenses 2015: $841,815Net Income 2015: $61,4842015Revenue 2016: $908,835Expenses 2016: $919,988Net Income 2016: -$11,1532016Revenue 2017: $1,000,112Expenses 2017: $992,721Net Income 2017: $7,3912017Revenue 2018: $1,221,168Expenses 2018: $1,085,807Net Income 2018: $135,3612018Revenue 2019: $1,281,672Expenses 2019: $1,189,824Net Income 2019: $91,8482019Revenue 2020: $1,104,293Expenses 2020: $1,106,074Net Income 2020: -$1,7812020

Highlighted filing

2019

Revenue$1,281,672
Expenses$1,189,824
Net Income$91,848
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 9, 2020
Return Version
2019v5.0
Gross Receipts
$1,281,672
Mission and Program Overview

Mission

To provide the best financial services possible to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$16,994,929$16,557,801▼ $437,128
Savings and Temporary Cash Investments$5,149,767$7,163,859▲ $2,014,092
Rtn Earn Endowment Incm Other Fnds$4,082,388$4,174,237▲ $91,849
Investments Program Related$4,442,176$3,461,705▼ $980,471
Land, Buildings, and Equipment, Net$1,190,199$1,125,511▼ $64,688
Cash and Non-Interest-Bearing Accounts$528,530$380,353▼ $148,177
Prepaid Expenses and Deferred Charges$110,035$97,048▼ $12,987
Accounts Receivable$6,987$65,865▲ $58,878
Total Assets$28,720,162$29,163,963▲ $443,801
Other Assets Total$297,539$311,821▲ $14,282
Liabilities
Other Liabilities$24,434,337$24,823,757▲ $389,420
Accounts Payable and Accrued Expenses$125,097$120,014▼ $5,083
Escrow Account Liability$78,340$45,955▼ $32,385
Total Liabilities$24,637,774$24,989,726▲ $351,952
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,082,388$4,174,237▲ $91,849
Total Liabilities and Net Assets / Fund Balance$28,720,162$29,163,963▲ $443,801

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$784,098$116,749$900,847
Equipment$142,841$146,564$289,405
Buildings$98,572$157,236$255,808
Land$100,000-$100,000
Investment Program Related Org$10,000--
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rachel RaygoPresidentFT$64,406$19,146$83,552
Denise OberleitnerVP OperationFT$38,413$15,528$53,941

Board Members and Trustees

NameTitle
John McclellandChairman
Sidney MeyersVice Chair (
Dallas BlairDirector
Irene MayouDirector
Leonard OdeaDirector
Wanda CarlsonDirector
Maureen LandermanSec/treas
Andrew Hanson JrVice Char
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,046,539
Investment Income
$231,523
Other Revenue
$3,610
Change in Net Assets
$91,848
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$778,465
Salaries, Compensation, and Employee Benefits$409,859
Grants and Similar Amounts Paid$1,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$223,051
Office Expenses---$129,102
Occupancy---$103,186
Current Officers, Directors, Trustees, and Key Employees---$102,819
Depreciation Depletion---$77,488
Information Technology---$71,610
Other Expenses---$58,664
Other Employee Benefits---$47,717
Payroll Taxes---$26,272
Fees for Services Other---$26,190
Insurance---$21,193
Advertising---$14,558
Conferences and Meetings---$10,976
Pension Plan Contributions---$10,000
Fees for Services Accounting---$6,590
Grants to Domestic Individuals---$1,500
Fees for Services Legal---$750
Total Functional Expenses$0$0$0$1,189,824
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares & Deposits$24,869,712
Escrow to Line 21 Bal Sheet$-45,955
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 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
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

Form 990, Page 6, Part VI, Line 2

“John mcclelland dallas blair board chair director family relationsip irene mayou sidney meyers director director family relationship”

Form 990, Page 6, Part VI, Line 4

“During 2019 the credit union adopted the 2017 wisconsin model bylaws.”

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member, one 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

“Required data is provided to independent preparer who completes the return. President reviews the return for accuracy, and then authorizes preparer to e-file the approved return. The final approved return is presented to the board of directors at the next board meeting.”

Form 990, Page 6, Part VI, Line 12C

“Possible issues are reviewed and discussed at the management level and then at the committee level if needed. Escalated to the board of directors at their monthly board meeting if appropriate.”

Form 990, Page 6, Part VI, Line 15A

“The ceo's compensation is compared to wisconsin credit union peers in a meeting of the board personnel committee. The personnel committee adjusts and approves the ceo/president's salary and benefits. Changes are documented in the ceo's personnel file. The board of directors approves the annual budget which includes all salaries and wages.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and conflict of interest policy are avialibale to members upon request. Year-end financial statements are posted in the lobby.”

Filing and Contact Details

Filer

Filer Name
Tri-county Credit Union
EIN
39-1022442
Phone
7157353913
Address
2205 HALL AVE SUITE 107, MARINETTE, WI 54143

Signing Officer

Name
Rachel Raygo
Title
President
Phone
7157353913
Signed
2020-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rachel Raygo
Formed
1936
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
15
Volunteers
10

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“ROUNDING 1”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The credit union holds funds in escrow accounts for property taxes and homeowners insurance related to mortgage loans to members.”

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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/ProgramServiceRevenueGrp/TotalRevenueColumnAmt26300
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 481 NEW LOANS TO MEMBERS DURING 2019. AS OF 12/31/19 WE HAD 2,739 LOANS TO OUR MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0.
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IRS990/PYRevenuesLessExpensesAmt0135361
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IRS990/PYTotalRevenueAmt01221168
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0142841
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0146564
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IRS990ScheduleD/ExplanationProvidedInd0X
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1551120
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2161585
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt310000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS MATURITY > 1 YEAR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1INVESTMENT FUND EMPLOYEE BENEFITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CORPORATE CU CAPITAL ACCOUNTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3WCUSSC SHARES
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0784098
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0116749
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0900847
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt024869712
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-45955
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ESCROW TO LINE 21 BAL SHEET
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS TO MEMBERS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01125511
IRS990ScheduleD/TotalBookValueProgramRltdAmt03461705
IRS990ScheduleD/TotalLiabilityAmt024823757
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0JOHN MCCLELLAND DALLAS BLAIR BOARD CHAIR DIRECTOR FAMILY RELATIONSIP IRENE MAYOU SIDNEY MEYERS DIRECTOR DIRECTOR FAMILY RELATIONSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DURING 2019 THE CREDIT UNION ADOPTED THE 2017 WISCONSIN MODEL BYLAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A 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/ExplanationTxt5REQUIRED DATA IS PROVIDED TO INDEPENDENT PREPARER WHO COMPLETES THE RETURN. PRESIDENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES PREPARER TO E-FILE THE APPROVED RETURN. THE FINAL APPROVED RETURN IS PRESENTED TO THE BOARD OF DIRECTORS AT THE NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6POSSIBLE ISSUES ARE REVIEWED AND DISCUSSED AT THE MANAGEMENT LEVEL AND THEN AT THE COMMITTEE LEVEL IF NEEDED. ESCALATED TO THE BOARD OF DIRECTORS AT THEIR MONTHLY BOARD MEETING IF APPROPRIATE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CEO'S COMPENSATION IS COMPARED TO WISCONSIN CREDIT UNION PEERS IN A MEETING OF THE BOARD PERSONNEL COMMITTEE. THE PERSONNEL COMMITTEE ADJUSTS AND APPROVES THE CEO/PRESIDENT'S SALARY AND BENEFITS. CHANGES ARE DOCUMENTED IN THE CEO'S PERSONNEL FILE. THE BOARD OF DIRECTORS APPROVES THE ANNUAL BUDGET WHICH INCLUDES ALL SALARIES AND WAGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVIALIBALE TO MEMBERS UPON REQUEST. YEAR-END FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ROUNDING 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01189824
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IRS990/TotalProgramServiceRevenueAmt01046539
IRS990/TotalReportableCompFromOrgAmt0102819
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01043693
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01281672
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02866
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IRS990/WebsiteAddressTxt0WWW.TRI-COUNTY.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RACHEL RAYGO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07157353913
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-11-09
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ReturnHeader/FilingSecurityInformation/IPDt02020-11-09
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm015:12:11
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0811697509
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0AUDIT THREESIXTY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01202 JOHNSON ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ONALASKA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546502008
ReturnHeader/PreparerPersonGrp/PhoneNum06083173765
ReturnHeader/PreparerPersonGrp/PreparationDt02020-11-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$29,163,963
Liabilities
$24,989,726
Net assets
$4,174,237
Revenue
$1,281,672
Expenses
$1,189,824
Net income
$91,848
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.5$29.3$4.17$1.10$1.11$0.00
2019Detailed filing. Detailed filing data is available for this year.$29.2$25.0$4.17$1.28$1.19$0.09
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.7$24.6$4.08$1.22$1.09$0.14
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.2$24.2$3.95$1.00$0.99$0.01
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$27.7$23.7$3.94$0.91$0.92$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.2$23.3$3.95$0.90$0.84$0.06
2014Detailed filing. Detailed filing data is available for this year.$26.4$22.5$3.89$0.83$0.91$0.08
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$25.7$21.7$3.97$0.86$0.94$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.2$22.2$4.05$1.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.0$21.0$4.03$1.00
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.7$20.7$3.98$1.08