Civic Intelligence

Arcadia Credit Union

990 • Fiscal year 2017 • EIN 39-1081863

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 25, 2018

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

(608) 323-2126

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$74,811,047

Flat from 2017

Net Assets

Flat

$9,936,198

Flat from 2017

Liabilities

Flat

$64,874,849

Flat from 2017

Revenue And Expenses

Revenue

Flat

$3,515,156

Flat from 2017

Expenses

Flat

$2,951,029

Flat from 2017

Net Income

Flat

$564,127

Flat from 2017

Historical Trend

Balance Sheet Trend

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 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

2017

Assets$74,811,047
Liabilities$64,874,849
Net Assets$9,936,198
Open 2017 Filing

Operations Trend

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 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

2017

Revenue$3,515,156
Expenses$2,951,029
Net Income$564,127
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 25, 2018
Return Version
2017v2.2
Gross Receipts
$3,561,524
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$55,062,812$58,254,131▲ $3,191,319
Savings and Temporary Cash Investments$14,520,312$14,467,712▼ $52,600
Rtn Earn Endowment Incm Other Fnds$9,372,071$9,936,198▲ $564,127
Investments Program Related$864,598$901,828▲ $37,230
Cash and Non-Interest-Bearing Accounts$734,681$787,386▲ $52,705
Land, Buildings, and Equipment, Net$220,390$152,500▼ $67,890
Prepaid Expenses and Deferred Charges$36,175$71,412▲ $35,237
Total Assets$71,559,370$74,811,047▲ $3,251,677
Other Assets Total$120,402$176,078▲ $55,676
Liabilities
Other Liabilities$61,197,952$63,993,646▲ $2,795,694
Accounts Payable and Accrued Expenses$989,347$881,203▼ $108,144
Total Liabilities$62,187,299$64,874,849▲ $2,687,550
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,372,071$9,936,198▲ $564,127
Total Liabilities and Net Assets / Fund Balance$71,559,370$74,811,047▲ $3,251,677

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$72,399$494,546$566,945
Equipment$47,601$276,595$324,196
Land$32,500-$32,500
Other Land Buildings-$10,321$10,321
Investment Program Related Org$284,959--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michele RoeslerPresidentFT$113,669$35,123$148,792
Ivan PronschinskeChairman-$3,400-$3,400
Robert BraunVice-Chair-$3,300-$3,300
Carol WineskiSecretary-$2,100-$2,100
John T SlabyTreasurer-$1,900-$1,900
Dale HowardDirector-$1,700-$1,700
Joseph HainesDirector-$1,300-$1,300
Bruce SchweisthalDirector-$1,200-$1,200
Junior LagerDirector-$500-$500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,009,175
Investment Income
$505,981
Other Revenue
$0
Change in Net Assets
$564,127
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,577,522
Other Expenses$1,373,507
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$674,290
Other Employee Benefits---$522,432
Current Officers, Directors, Trustees, and Key Employees---$221,059
Office Expenses---$124,149
Pension Plan Contributions---$91,469
Depreciation Depletion---$70,502
Advertising---$69,238
Payroll Taxes---$68,272
Other Expenses-$61,939-$61,939
Conferences and Meetings---$60,978
Information Technology---$60,170
All Other Expenses---$58,238
Occupancy---$46,939
Insurance---$37,344
Fees for Services Other---$22,315
Payments to Affiliates---$21,817
Fees for Services Accounting---$9,600
Total Functional Expenses$0$0$0$2,951,029
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$63,961,957
Accrued Dividends$31,689
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 organizations 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
Michele Roesler
Title
President
Phone
6083232126
Signed
2018-04-25
Discuss with paid preparer
No

Organization Details

Principal Officer
Michele Roesler
Formed
1963
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
21
Volunteers
7

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0494546
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0566945
IRS990ScheduleD/EquipmentGrp/BookValueAmt047601
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0276595
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0324196
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0616869
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1284959
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CCCU - PIC & MCSD
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt032500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt032500
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt010321
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt010321
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt063961957
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt131689
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Savings
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0152500
IRS990ScheduleD/TotalBookValueProgramRltdAmt0901828
IRS990ScheduleD/TotalLiabilityAmt063993646
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 organizations 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/TotalAssetsBOYAmt071559370
IRS990/TotalAssetsEOYAmt074811047
IRS990/TotalAssetsGrp/BOYAmt071559370
IRS990/TotalAssetsGrp/EOYAmt074811047
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt021
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02951029
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt062187299
IRS990/TotalLiabilitiesEOYAmt064874849
IRS990/TotalLiabilitiesGrp/BOYAmt062187299
IRS990/TotalLiabilitiesGrp/EOYAmt064874849
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09372071
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09936198
IRS990/TotalOtherCompensationAmt035123
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt02208
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt02208
IRS990/TotalProgramServiceRevenueAmt03009175
IRS990/TotalReportableCompFromOrgAmt0129069
IRS990/TotalRevenueGrp/ExclusionAmt0505981
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03009175
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03515156
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt071559370
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt074811047
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.arcadiacu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Michele Roesler
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06083232126
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-25
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/FilingSecurityInformation/AtSubmissionCreationDeviceId09C0C1E6B558C99B33FF5DB8E6EEACB8B3A1EF923
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09C0C1E6B558C99B33FF5DB8E6EEACB8B3A1EF923
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392018134oc35urq
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02018-05-14
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02018-05-14
ReturnHeader/FilingSecurityInformation/IPTm014:44:52
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W2313 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02018-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02018-05-14T11:35:40-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$74,811,047
Liabilities
$64,874,849
Net assets
$9,936,198
Revenue
$3,515,156
Expenses
$2,951,029
Net income
$564,127
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
2017Detailed filing. Detailed filing data is available for this year.$74.8$64.9$9.94$3.52$2.95$0.56
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
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