Civic Intelligence

Pluswood Group Credit Union

990 • Fiscal year 2013 • EIN 39-1046451

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 02, 2014

Organization Profilewww.pluswoodcu.com
302 State St54901

(920) 235-6363

Siviq Scores

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

Liabilities / Assets

28th percentile

0.75x

Higher debt load relative to assets than 28% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

32nd percentile

13.19x

Higher debt load relative to revenue than 32% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

41st percentile

0.0%

Higher net margin than 41% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

10th percentile

-8.5%

Faster asset growth than 10% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets28th percentile

Assets

Down

$1,510,340

Down $140,877 (-8.5%) from 2012

Net Assets

Up

$372,184

Up $26 (+0.0%) from 2012

Liabilities

Down

$1,138,156

Down $140,903 (-11%) from 2012

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin41st percentile

Revenue

$86,313

No earlier filing loaded for comparison.

Expenses

Down

$86,287

Down $7,392 (-7.9%) from 2012

Net Income

$26

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,785,339Liabilities 2010: $1,406,932Net Assets 2010: $378,4072010Assets 2011: $1,639,571Liabilities 2011: $1,264,553Net Assets 2011: $375,0182011Assets 2012: $1,651,217Liabilities 2012: $1,279,059Net Assets 2012: $372,1582012Assets 2013: $1,510,340Liabilities 2013: $1,138,156Net Assets 2013: $372,1842013Assets 2014: $1,562,779Liabilities 2014: $1,195,486Net Assets 2014: $367,2932014

Highlighted filing

2013

Assets$1,510,340
Liabilities$1,138,156
Net Assets$372,184
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0-$50KExpenses 2010: $110,6342010Expenses 2011: $103,5582011Expenses 2012: $93,6792012Revenue 2013: $86,313Expenses 2013: $86,287Net Income 2013: $262013Revenue 2014: $76,294Expenses 2014: $81,185Net Income 2014: -$4,8912014

Highlighted filing

2013

Revenue$86,313
Expenses$86,287
Net Income$26
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 2, 2014
Return Version
2013v3.1
Gross Receipts
$86,313
Mission and Program Overview

Mission

We are committed to provide quality services to our membership while maintaining a safe and reliable financial institution.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$993,505$1,149,160▲ $155,655
Rtn Earn Endowment Incm Other Fnds$372,158$372,184▲ $26
Savings and Temporary Cash Investments$495,002$222,720▼ $272,282
Cash and Non-Interest-Bearing Accounts$126,684$106,783▼ $19,901
Investments Program Related$26,924$27,059▲ $135
Prepaid Expenses and Deferred Charges$5,570$2,428▼ $3,142
Accounts Receivable$1,018$268▼ $750
Land, Buildings, and Equipment, Net$705$59▼ $646
Total Assets$1,651,217$1,510,340▼ $140,877
Other Assets Total$1,809$1,863▲ $54
Liabilities
Other Liabilities$1,276,353$1,135,950▼ $140,403
Accounts Payable and Accrued Expenses$2,706$2,206▼ $500
Total Liabilities$1,279,059$1,138,156▼ $140,903
Net Assets / Fund Balance
Total Net Assets Fund Balance$372,158$372,184▲ $26
Total Liabilities and Net Assets / Fund Balance$1,651,217$1,510,340▼ $140,877

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$59$24,833$24,892
Leasehold Improvements-$3,052$3,052
Investment Program Related Org$6,193--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Pamela WilliamsPresidentPT$28,060$565$28,625
Vicky UtechtVP Loan ManagerPT$15,213$366$15,579

Board Members and Trustees

NameTitle
Thomas FaustChair
Thomas MugerauerVice Chair
Lynda FaustDirector
Chris RichardsSecretary
David DodgeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$82,670
Investment Income
$2,815
Other Revenue
$828
Change in Net Assets
$26
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$47,620
Other Expenses$38,667
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$43,273
Other Expenses-$9,479-$9,479
Occupancy---$6,059
Information Technology---$5,093
Insurance---$4,974
Office Expenses---$3,884
Payroll Taxes---$3,454
All Other Expenses---$2,669
Payments to Affiliates---$1,249
Other Employee Benefits---$893
Fees for Services Accounting---$680
Depreciation Depletion---$646
Conferences and Meetings---$315
Advertising---$80
Travel---$20
Total Functional Expenses$0$0$0$86,287
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$1,135,950
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

Officer directors etc family relationship Part VI line 2

“Thomas Faust and Lynda Faust are married.”

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 report will be reviewed at a regular board meeting.”

Conflict of interest policy compliance Part VI line 12C

“Annually reviewed at a regular board meeting when the oath of office is signed.”

Governing documents etc available to public Part VI line 19

“Available to members upon request.”

Filing and Contact Details

Filer

EIN
39-1046451

Signing Officer

Name
Pamela Williams
Title
President
Phone
9202356363
Signed
2014-04-02
Discuss with paid preparer
No

Organization Details

Principal Officer
Pamela Williams
Formed
1965
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
7

Preparer

Preparer
Cari Thompson
Phone
2625490200
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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Thomas Faust and Lynda Faust are married.
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/ExplanationTxt4The report will be reviewed at a regular board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annually reviewed at a regular board meeting when the oath of office is signed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Available to members upon request.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
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IRS990/TotalLiabilitiesGrp/EOYAmt01138156
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0372158
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0372184
IRS990/TotalOtherCompensationAmt0931
IRS990/TotalProgramServiceRevenueAmt082670
IRS990/TotalReportableCompFromOrgAmt043273
IRS990/TotalRevenueGrp/ExclusionAmt03643
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt082670
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt086313
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01651217
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01510340
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt020
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.pluswoodcu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Pamela Williams
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09202356363
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-02
ReturnHeader/Filer/BusinessName/BusinessNameLine10PlusWood Group Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0PLUS
ReturnHeader/Filer/EIN0391046451
ReturnHeader/Filer/USAddress/AddressLine10302 State St
ReturnHeader/Filer/USAddress/City0Oshkosh
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054901
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/PreparationDt02014-04-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-04-11T12:57:12-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,510,340
Liabilities
$1,138,156
Net assets
$372,184
Revenue
$86,313
Expenses
$86,287
Net income
$26
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.56$1.20$0.37$0.08$0.08$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.51$1.14$0.37$0.09$0.09$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.65$1.28$0.37$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.64$1.26$0.38$0.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.79$1.41$0.38$0.11