Civic Intelligence

Pluswood Group Credit Union

990 • Fiscal year 2014 • EIN 39-1046451

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 30, 2015

Organization Profilewww.pluswoodcu.com
302 State StOshkosh, WI 54901

(920) 235-6363

Siviq Scores

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

Liabilities / Assets

31st percentile

0.76x

Higher debt load relative to assets than 31% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

48th percentile

15.67x

Higher debt load relative to revenue than 48% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

24th percentile

-6.4%

Higher net margin than 24% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2014

Asset Growth

78th percentile

3.5%

Faster asset growth than 78% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

14th percentile

-12%

Faster revenue growth than 14% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$1,562,779

Up $52,439 (+3.5%) from 2013

Net Assets

Down

$367,293

Down $4,891 (-1.3%) from 2013

Liabilities

Up

$1,195,486

Up $57,330 (+5.0%) from 2013

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin24th percentile

Revenue

Down

$76,294

Down $10,019 (-12%) from 2013

Expenses

Down

$81,185

Down $5,102 (-5.9%) from 2013

Net Income

Down

-$4,891

Down $4,917 (-18912%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth78th 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

2014

Assets$1,562,779
Liabilities$1,195,486
Net Assets$367,293
Open 2014 Filing

Operations Trend

Revenue Growth14th percentile

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

2014

Revenue$76,294
Expenses$81,185
Net Income-$4,891
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 30, 2015
Return Version
2014v5.0
Gross Receipts
$76,294
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$1,149,160$962,331▼ $186,829
Savings and Temporary Cash Investments$222,720$455,557▲ $232,837
Rtn Earn Endowment Incm Other Fnds$372,184$367,293▼ $4,891
Cash and Non-Interest-Bearing Accounts$106,783$113,882▲ $7,099
Investments Program Related$27,059$25,655▼ $1,404
Prepaid Expenses and Deferred Charges$2,428$2,460▲ $32
Land, Buildings, and Equipment, Net$59$1,155▲ $1,096
Accounts Receivable$268--
Total Assets$1,510,340$1,562,779▲ $52,439
Other Assets Total$1,863$1,739▼ $124
Liabilities
Other Liabilities$1,135,950$1,193,732▲ $57,782
Accounts Payable and Accrued Expenses$2,206$1,754▼ $452
Total Liabilities$1,138,156$1,195,486▲ $57,330
Net Assets / Fund Balance
Total Net Assets Fund Balance$372,184$367,293▼ $4,891
Total Liabilities and Net Assets / Fund Balance$1,510,340$1,562,779▲ $52,439

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,155$25,470$26,625
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$27,716$472$28,188
Vicky UtechtVP Loan ManagerPT$15,233$307$15,540

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
$73,835
Investment Income
$1,502
Other Revenue
$957
Change in Net Assets
$-4,891
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$47,291
Other Expenses$33,894
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$42,948
Occupancy---$6,078
Information Technology---$5,307
Insurance---$4,463
Office Expenses---$3,697
Payroll Taxes---$3,564
Other Expenses-$1,366-$1,366
All Other Expenses---$1,351
Payments to Affiliates---$1,097
Other Employee Benefits---$779
Depreciation Depletion---$637
Fees for Services Accounting---$530
Conferences and Meetings---$300
Total Functional Expenses$0$0$0$81,185
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$1,193,732
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

Filer Name
PlusWood Group Credit Union
EIN
39-1046451
Address
302 State St, Oshkosh, WI 54901

Signing Officer

Name
Pamela Williams
Title
President
Phone
9202356363
Signed
2015-04-30
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
0
Volunteers
7

Preparer

Firm
WCUL Services Corp
Address
N25W23131 Paul Rd Suite 500, Pewaukee, WI 53072
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
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/BOYAmt01138156
IRS990/TotalLiabilitiesGrp/EOYAmt01195486
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0372184
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0367293
IRS990/TotalOtherCompensationAmt0779
IRS990/TotalProgramServiceRevenueAmt073835
IRS990/TotalReportableCompFromOrgAmt042949
IRS990/TotalRevenueGrp/ExclusionAmt02459
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt073835
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt076294
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01510340
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01562779
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.pluswoodcu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Pamela Williams
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09202356363
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PlusWood Group Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0PLUS
ReturnHeader/Filer/EIN0391046451
ReturnHeader/Filer/USAddress/AddressLine1Txt0302 State St
ReturnHeader/Filer/USAddress/CityNm0Oshkosh
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054901
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/PreparationDt02015-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02015-05-12T15:16:11-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,562,779
Liabilities
$1,195,486
Net assets
$367,293
Revenue
$76,294
Expenses
$81,185
Net income
-$4,891
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$1.56$1.20$0.37$0.08$0.08$0.00
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$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