Civic Intelligence

Arcadia Credit Union

990 • Fiscal year 2013 • EIN 39-1081863

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 24, 2014

Organization Profilewww.arcadiacu.com
PO Box 187Arcadia, WI 54612

(608) 323-2126

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.88x

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

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

44th percentile

17.93x

Higher debt load relative to revenue than 44% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

84th percentile

19%

Higher net margin than 84% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

65th percentile

$144,073

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

37th percentile

0.9%

Faster asset growth than 37% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M 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 / Assets32nd percentile

Assets

Up

$63,383,816

Up $552,448 (+0.9%) from 2012

Net Assets

Up

$7,687,336

Up $576,763 (+8.1%) from 2012

Liabilities

Down

$55,696,480

Down $24,315 (-0.0%) from 2012

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin84th percentile

Revenue

$3,106,609

No earlier filing loaded for comparison.

Expenses

Down

$2,530,530

Down $29,228 (-1.1%) from 2012

Net Income

$576,079

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth37th percentile

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

$150M$100M$50M$0Assets 2010: $57,567,271Liabilities 2010: $51,816,188Net Assets 2010: $5,751,0832010Assets 2011: $57,696,213Liabilities 2011: $51,225,857Net Assets 2011: $6,470,3562011Assets 2012: $62,831,368Liabilities 2012: $55,720,795Net Assets 2012: $7,110,5732012Assets 2013: $63,383,816Liabilities 2013: $55,696,480Net Assets 2013: $7,687,3362013Assets 2014: $69,291,068Liabilities 2014: $61,046,830Net Assets 2014: $8,244,2382014Assets 2015: $67,781,974Liabilities 2015: $58,951,286Net Assets 2015: $8,830,6882015Assets 2016: $71,559,370Liabilities 2016: $62,187,299Net Assets 2016: $9,372,0712016Assets 2017: $74,811,047Liabilities 2017: $64,874,849Net Assets 2017: $9,936,1982017Assets 2018: $75,787,655Liabilities 2018: $65,184,155Net Assets 2018: $10,603,5002018Assets 2019: $84,738,273Liabilities 2019: $73,324,662Net Assets 2019: $11,413,6112019Assets 2020: $96,545,820Liabilities 2020: $84,449,997Net Assets 2020: $12,095,8232020Assets 2021: $109,650,634Liabilities 2021: $96,709,778Net Assets 2021: $12,940,8562021Assets 2022: $115,271,165Liabilities 2022: $101,346,340Net Assets 2022: $13,924,8252022

Highlighted filing

2013

Assets$63,383,816
Liabilities$55,696,480
Net Assets$7,687,336
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,876,7022010Expenses 2011: $2,647,7632011Expenses 2012: $2,559,7582012Revenue 2013: $3,106,609Expenses 2013: $2,530,530Net Income 2013: $576,0792013Revenue 2014: $3,152,780Expenses 2014: $2,597,658Net Income 2014: $555,1222014Revenue 2015: $3,150,305Expenses 2015: $2,563,855Net Income 2015: $586,4502015Revenue 2016: $3,272,303Expenses 2016: $2,730,920Net Income 2016: $541,3832016Revenue 2017: $3,515,156Expenses 2017: $2,951,029Net Income 2017: $564,1272017Revenue 2018: $3,653,833Expenses 2018: $2,986,531Net Income 2018: $667,3022018Revenue 2019: $3,887,047Expenses 2019: $3,076,937Net Income 2019: $810,1102019Revenue 2020: $3,935,822Expenses 2020: $3,253,610Net Income 2020: $682,2122020Revenue 2021: $4,047,303Expenses 2021: $3,202,270Net Income 2021: $845,0332021Revenue 2022: $4,580,474Expenses 2022: $3,596,505Net Income 2022: $983,9692022

Highlighted filing

2013

Revenue$3,106,609
Expenses$2,530,530
Net Income$576,079
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 24, 2014
Return Version
2013v3.1
Gross Receipts
$3,106,609
Mission and Program Overview

Mission

We strive to provide our members with quality service, low/no fees, and great rates.

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$48,275,676$51,178,111▲ $2,902,435
Savings and Temporary Cash Investments$12,256,424$9,949,844▼ $2,306,580
Rtn Earn Endowment Incm Other Fnds$7,110,573$7,687,336▲ $576,763
Investments Program Related$938,156$950,684▲ $12,528
Cash and Non-Interest-Bearing Accounts$758,919$796,121▲ $37,202
Land, Buildings, and Equipment, Net$350,105$389,115▲ $39,010
Prepaid Expenses and Deferred Charges$52,622$38,442▼ $14,180
Total Assets$62,831,368$63,383,816▲ $552,448
Other Assets Total$199,466$81,499▼ $117,967
Liabilities
Other Liabilities$55,195,931$55,009,882▼ $186,049
Accounts Payable and Accrued Expenses$524,864$686,598▲ $161,734
Total Liabilities$55,720,795$55,696,480▼ $24,315
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,110,573$7,687,336▲ $576,763
Total Liabilities and Net Assets / Fund Balance$62,831,368$63,383,816▲ $552,448

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$225,329$289,730$515,059
Equipment$96,636$251,602$348,238
Other Land Buildings$34,650$38,820$73,470
Land$32,500-$32,500
Investment Program Related Org$401,756--
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Allen HalversonPresidentFT$104,701$39,372$144,073
Ivan PronschinskeChairman-$3,300-$3,300
Robert WozneyVice-Chair-$2,700-$2,700
Junior LagerDirector-$1,900-$1,900
Robert BraunDirector-$1,900-$1,900
Shirley FinnerSecretary-$1,900-$1,900
Dale HowardDirector-$1,650-$1,650
John T SlabyTreasurer-$1,500-$1,500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,826,734
Investment Income
$279,875
Other Revenue
$0
Change in Net Assets
$576,079
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,377,111
Other Expenses$1,153,419
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$616,006
Other Employee Benefits---$510,245
Current Officers, Directors, Trustees, and Key Employees---$119,551
Office Expenses---$116,289
Pension Plan Contributions---$72,776
Advertising---$66,601
Payroll Taxes---$58,533
Information Technology---$56,855
Depreciation Depletion---$52,784
Conferences and Meetings---$51,573
Occupancy---$50,622
Other Expenses-$50,237-$50,237
All Other Expenses---$36,602
Insurance---$36,072
Payments to Affiliates---$22,842
Fees for Services Other---$19,230
Fees for Services Accounting---$8,050
Total Functional Expenses$0$0$0$2,530,530
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 Savings$54,975,881
Accrued Dividends$34,001
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

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.o8”

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

“Review all inputed amounts and answers.”

Conflict of interest policy compliance Part VI line 12C

“Observance”

CEO executive director top management comp Part VI line 15A

“The Board of Directors review and approve CEO compensation based on salary surveys.”

Governing documents etc available to public Part VI line 19

“Upon request”

Filing and Contact Details

Filer

EIN
39-1081863

Signing Officer

Name
Allen Halverson
Title
President
Phone
6083232126
Signed
2014-04-24
Discuss with paid preparer
No

Organization Details

Principal Officer
Allen Halverson
Formed
1963
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
18
Volunteers
7

Preparer

Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix372 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/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07687336
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012256424
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09949844
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0225329
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0289730
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0515059
IRS990ScheduleD/EquipmentGrp/BookValueAmt096636
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0251602
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0348238
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0548928
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1401756
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CCCU - PIC & MCSD
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt032500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt032500
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt034650
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt038820
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt073470
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt054975881
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt134001
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Savings
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0389115
IRS990ScheduleD/TotalBookValueProgramRltdAmt0950684
IRS990ScheduleD/TotalLiabilityAmt055009882
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The 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/ExplanationTxt1The Board of Directors is elected by the membership utilizing their one vote per member.o8
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each 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/ExplanationTxt3Review all inputed amounts and answers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Observance
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Board of Directors review and approve CEO compensation based on salary surveys.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Upon request
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt062831368
IRS990/TotalAssetsEOYAmt063383816
IRS990/TotalAssetsGrp/BOYAmt062831368
IRS990/TotalAssetsGrp/EOYAmt063383816
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02530530
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt055720795
IRS990/TotalLiabilitiesEOYAmt055696480
IRS990/TotalLiabilitiesGrp/BOYAmt055720795
IRS990/TotalLiabilitiesGrp/EOYAmt055696480
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07110573
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07687336
IRS990/TotalOtherCompensationAmt039372
IRS990/TotalProgramServiceRevenueAmt02826734
IRS990/TotalReportableCompFromOrgAmt0119551
IRS990/TotalRevenueGrp/ExclusionAmt0279875
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02826734
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03106609
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt062831368
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt063383816
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.arcadiacu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Allen Halverson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06083232126
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine10Arcadia Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0ARCA
ReturnHeader/Filer/EIN0391081863
ReturnHeader/Filer/USAddress/AddressLine10PO Box 187
ReturnHeader/Filer/USAddress/City0Arcadia
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054612
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/PreparationDt02014-05-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-06-16T16:23:26-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$63,383,816
Liabilities
$55,696,480
Net assets
$7,687,336
Revenue
$3,106,609
Expenses
$2,530,530
Net income
$576,079
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$115$101$13.9$4.58$3.60$0.98
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$96.7$12.9$4.05$3.20$0.85
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$96.5$84.4$12.1$3.94$3.25$0.68
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.7$73.3$11.4$3.89$3.08$0.81
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.8$65.2$10.6$3.65$2.99$0.67
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.8$64.9$9.94$3.52$2.95$0.56
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.6$62.2$9.37$3.27$2.73$0.54
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$67.8$59.0$8.83$3.15$2.56$0.59
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$69.3$61.0$8.24$3.15$2.60$0.56
2013Detailed filing. Detailed filing data is available for this year.$63.4$55.7$7.69$3.11$2.53$0.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.8$55.7$7.11$2.56
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.7$51.2$6.47$2.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.6$51.8$5.75$2.88
Peer Organizations

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