Civic Intelligence

Arcadia Credit Union

990 • Fiscal year 2014 • EIN 39-1081863

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 23, 2015

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

40th percentile

0.88x

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

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

53rd percentile

19.36x

Higher debt load relative to revenue than 53% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

78th percentile

18%

Higher net margin than 78% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

69th percentile

$148,745

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

91st percentile

9.3%

Faster asset growth than 91% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

59th percentile

1.5%

Faster revenue growth than 59% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$69,291,068

Up $5,907,252 (+9.3%) from 2013

Net Assets

Up

$8,244,238

Up $556,902 (+7.2%) from 2013

Liabilities

Up

$61,046,830

Up $5,350,350 (+9.6%) from 2013

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin78th percentile

Revenue

Up

$3,152,780

Up $46,171 (+1.5%) from 2013

Expenses

Up

$2,597,658

Up $67,128 (+2.7%) from 2013

Net Income

Down

$555,122

Down $20,957 (-3.6%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth91st 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

2014

Assets$69,291,068
Liabilities$61,046,830
Net Assets$8,244,238
Open 2014 Filing

Operations Trend

Revenue Growth59th percentile

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

2014

Revenue$3,152,780
Expenses$2,597,658
Net Income$555,122
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 23, 2015
Return Version
2014v5.0
Gross Receipts
$3,152,780
Mission and Program Overview

Mission

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$51,178,111$53,113,477▲ $1,935,366
Savings and Temporary Cash Investments$9,949,844$13,980,019▲ $4,030,175
Rtn Earn Endowment Incm Other Fnds$7,687,336$8,244,238▲ $556,902
Investments Program Related$950,684$965,136▲ $14,452
Cash and Non-Interest-Bearing Accounts$796,121$756,308▼ $39,813
Land, Buildings, and Equipment, Net$389,115$330,793▼ $58,322
Prepaid Expenses and Deferred Charges$38,442$67,054▲ $28,612
Total Assets$63,383,816$69,291,068▲ $5,907,252
Other Assets Total$81,499$78,281▼ $3,218
Liabilities
Other Liabilities$55,009,882$60,108,174▲ $5,098,292
Accounts Payable and Accrued Expenses$686,598$938,656▲ $252,058
Total Liabilities$55,696,480$61,046,830▲ $5,350,350
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,687,336$8,244,238▲ $556,902
Total Liabilities and Net Assets / Fund Balance$63,383,816$69,291,068▲ $5,907,252

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$202,626$312,433$515,059
Equipment$70,257$281,726$351,983
Other Land Buildings$25,410$48,060$73,470
Land$32,500-$32,500
Investment Program Related Org$401,756--
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Allen HalversonPresidentFT$110,549$38,196$148,745
Ivan PronschinskeChairman-$3,000-$3,000
Robert WozneyVice-Chair-$2,600-$2,600
Junior LagerDirector-$1,800-$1,800
Robert BraunDirector-$1,800-$1,800
Shirley FinnerSecretary-$1,800-$1,800
Dale HowardDirector-$1,400-$1,400
John T SlabyTreasurer-$1,400-$1,400
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,875,023
Investment Income
$277,757
Other Revenue
$0
Change in Net Assets
$555,122
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,426,609
Other Expenses$1,171,049
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$636,114
Other Employee Benefits---$532,323
Current Officers, Directors, Trustees, and Key Employees---$124,349
Office Expenses---$119,872
Pension Plan Contributions---$74,623
Advertising---$67,392
Payroll Taxes---$59,200
Information Technology---$59,057
Conferences and Meetings---$57,942
Depreciation Depletion---$52,827
Occupancy---$46,526
Insurance---$42,947
All Other Expenses---$41,024
Other Expenses-$40,045-$40,045
Payments to Affiliates---$23,264
Fees for Services Other---$19,863
Fees for Services Accounting---$9,050
Total Functional Expenses$0$0$0$2,597,658
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$60,087,141
Accrued Dividends$21,033
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

Filer Name
Arcadia Credit Union
EIN
39-1081863
Address
PO Box 187, Arcadia, WI 54612

Signing Officer

Name
Allen Halverson
Title
President
Phone
6083232126
Signed
2015-04-23
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
20
Volunteers
7

Preparer

Firm
WCUL Services Corp
Address
N25W23131 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix368 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/EOYAmt08244238
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09949844
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013980019
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0202626
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0312433
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0515059
IRS990ScheduleD/EquipmentGrp/BookValueAmt070257
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0281726
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0351983
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0563380
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/BookValueAmt025410
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt048060
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt073470
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt060087141
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt121033
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Savings
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0330793
IRS990ScheduleD/TotalBookValueProgramRltdAmt0965136
IRS990ScheduleD/TotalLiabilityAmt060108174
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/TotalAssetsBOYAmt063383816
IRS990/TotalAssetsEOYAmt069291068
IRS990/TotalAssetsGrp/BOYAmt063383816
IRS990/TotalAssetsGrp/EOYAmt069291068
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt020
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02597658
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt055696480
IRS990/TotalLiabilitiesEOYAmt061046830
IRS990/TotalLiabilitiesGrp/BOYAmt055696480
IRS990/TotalLiabilitiesGrp/EOYAmt061046830
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07687336
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08244238
IRS990/TotalOtherCompensationAmt038196
IRS990/TotalProgramServiceRevenueAmt02875023
IRS990/TotalReportableCompFromOrgAmt0124349
IRS990/TotalRevenueGrp/ExclusionAmt0277757
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02875023
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03152780
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt063383816
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt069291068
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.arcadiacu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Allen Halverson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06083232126
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Arcadia Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0ARCA
ReturnHeader/Filer/EIN0391081863
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 187
ReturnHeader/Filer/USAddress/CityNm0Arcadia
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054612
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/ReturnTs02015-05-12T13:40:30-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$69,291,068
Liabilities
$61,046,830
Net assets
$8,244,238
Revenue
$3,152,780
Expenses
$2,597,658
Net income
$555,122
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
2014Detailed filing. Detailed filing data is available for this year.$69.3$61.0$8.24$3.15$2.60$0.56
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$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