Civic Intelligence

Eau Claire Press Credit Union

EIN 39-1086424

PO Box 57054702
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

93rd percentile

0.81x

Higher debt load relative to assets than 93% of similar nonprofits.

$500k-$1M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

33rd percentile

-2.5%

Faster asset growth than 33% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$683,048

Down $17,738 (-2.5%) from 2011

Liabilities

Down

$552,630

Down $15,997 (-2.8%) from 2011

Net Assets

Down

$130,418

Down $1,741 (-1.3%) from 2011

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$54,597

Up $5,430 (+11%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth33rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800K$600K$400K$200K$0Assets 2010: $705,096Liabilities 2010: $577,632Net Assets 2010: $127,4642010Assets 2011: $700,786Liabilities 2011: $568,627Net Assets 2011: $132,1592011Assets 2012: $683,048Liabilities 2012: $552,630Net Assets 2012: $130,4182012

Highlighted filing

2012

Assets$683,048
Liabilities$552,630
Net Assets$130,418
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60K$40K$20K$0Expenses 2010: $46,0242010Expenses 2011: $49,1672011Expenses 2012: $54,5972012

Highlighted filing

2012

Revenue-
Expenses$54,597
Net Income-
Open 2012 Filing

Filings

Most recent year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$683,048
Liabilities
$552,630
Net assets
$130,418
Revenue
-
Expenses
$54,597
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.83$5.53$1.30$0.55
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.01$5.69$1.32$0.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.05$5.78$1.27$0.46
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 18, 2013
Return Version
2012v2.1
Gross Receipts
$52,856
Mission and Program Overview

Major Activities

Activity 2
We funded 76 loans during 2012. As of 12/31/12, we had 76 consumer loans.
Filing and Contact Details

Filer

EIN
39-1086424
Raw XML Appendix298 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.

Path#Value
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY0613
IRS990/AccountsPayableAccruedExpenses/EOY0613
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0We funded 76 loans during 2012. As of 12/31/12, we had 76 consumer loans.
IRS990/ActivityOrMissionDescription0None
IRS990/AllOtherExpenses/Total01845
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY034090
IRS990/CashNonInterestBearing/EOY0102519
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total011525
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0false
IRS990/CompensationProcessOther0false
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total0150
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total0287
IRS990/DescribedIn501C30false
IRS990/Description0We have deposit, transaction, and investment accounts with 249 members at 12/31/12. During 2012, we opened 8 new deposit, transaction and investment accounts.
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditRequired0false
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek00.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek10.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek20.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek30.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek435.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/NamePerson0Donna Bezanson
IRS990/Form990PartVIISectionA/NamePerson1James Paulson
IRS990/Form990PartVIISectionA/NamePerson2Linda OMara
IRS990/Form990PartVIISectionA/NamePerson3Mark Haas
IRS990/Form990PartVIISectionA/NamePerson4Mary Duffy
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/Officer3X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization411525
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/Title0Secretary
IRS990/Form990PartVIISectionA/Title1Chairman
IRS990/Form990PartVIISectionA/Title2Vice-Chair
IRS990/Form990PartVIISectionA/Title3Director
IRS990/Form990PartVIISectionA/Title4PresidentTreas
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts052856
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total0934
IRS990/Insurance/Total02173
IRS990/InvestmentIncomeCurrentYear0172
IRS990/InvestmentIncome/ExclusionAmount0172
IRS990/InvestmentIncomePriorYear0346
IRS990/InvestmentIncome/TotalRevenueColumn0172
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsProgramRelated/BOY05770
IRS990/InvestmentsProgramRelated/EOY05680
IRS990/LandBldgEquipmentAccumDeprec01496
IRS990/LandBuildingsEquipmentBasis01524
IRS990/LandBuildingsEquipmentBasisNet/BOY0316
IRS990/LandBuildingsEquipmentBasisNet/EOY028
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0None
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Mary Duffy
IRS990/NbrIndependentVotingMembers04
IRS990/NbrVotingGoverningBodyMembers05
IRS990/NbrVotingMembersGoverningBody05
IRS990/NetAssetsOrFundBalancesBOY0132159
IRS990/NetAssetsOrFundBalancesEOY0130418
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith1096092
IRS990/NumberIndependentVotingMembers04
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfEmployees01
IRS990/NumberW2GIncluded00
IRS990/OfficeExpenses/Total0785
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherExpensePriorYear036632
IRS990/OtherExpensesCurrentYear042058
IRS990/OtherExpenses/Description0Dividends on Shares
IRS990/OtherExpenses/Description1Provision for Loan Loss
IRS990/OtherExpenses/Description2Loan Servicing Expense
IRS990/OtherExpenses/Description3Member Insurance
IRS990/OtherExpenses/ManagementAndGeneral011478
IRS990/OtherExpenses/ManagementAndGeneral115144
IRS990/OtherExpenses/ManagementAndGeneral21585
IRS990/OtherExpenses/ManagementAndGeneral35804
IRS990/OtherExpenses/Total011478
IRS990/OtherExpenses/Total115144
IRS990/OtherExpenses/Total21585
IRS990/OtherExpenses/Total35804
IRS990/OtherLiabilities/BOY0568014
IRS990/OtherLiabilities/EOY0552017
IRS990/OtherNotesLoansReceivableNet/BOY0536490
IRS990/OtherNotesLoansReceivableNet/EOY0490544
IRS990/OtherRevenueCurrentYear00
IRS990/PartialLiquidation0false
IRS990/PaymentsToAffiliates/Total01118
IRS990/PayrollTaxes/Total01014
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY01814
IRS990/PrepaidExpensesDeferredCharges/EOY01796
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenueCY052684
IRS990/ProgramServiceRevenue/Description0Interest on Loans
IRS990/ProgramServiceRevenuePriorYear053516
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome052684
IRS990/ProgramServiceRevenue/TotalRevenueColumn052684
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationOtherChanges00
IRS990/ReconcilationRevenueExpenses0-1741
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY0132159
IRS990/RetainedEarningsEndowmentEtc/EOY0130418
IRS990/RevenuesLessExpensesCY0-1741
IRS990/RevenuesLessExpensesPriorYear04695
IRS990/SalariesEtcCurrentYear012539
IRS990/SalariesEtcPriorYear012535
IRS990/SavingsAndTempCashInvestments/BOY0122306
IRS990/SavingsAndTempCashInvestments/EOY082481
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Equipment/Depreciation0577
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0577
IRS990ScheduleD/InvestmentsProgramRelated/BookValue05680
IRS990ScheduleD/InvestmentsProgramRelated/Description0NCUA Capitalization
IRS990ScheduleD/OtherLandBuildings/BookValue028
IRS990ScheduleD/OtherLandBuildings/Depreciation0919
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0947
IRS990ScheduleD/OtherLiabilities/Amount0552017
IRS990ScheduleD/OtherLiabilities/Description0Member Share & Deposits
IRS990ScheduleD/TotalOfAmounts0552017
IRS990ScheduleD/TotalOfBookValueLandBuildings028
IRS990ScheduleD/TotalOfBookValueProgramRelated05680
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0The 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/GeneralExplanation/Explanation1The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/GeneralExplanation/Explanation2Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization9s 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/GeneralExplanation/Explanation3Board of Directors familiar with all aspects of this credit union, look report over thouroughly before filing.
IRS990ScheduleO/GeneralExplanation/Explanation4Passed out at Annual Meeting (Financial Statements) and mailed upon request.
IRS990ScheduleO/GeneralExplanation/Identifier0O01
IRS990ScheduleO/GeneralExplanation/Identifier1O02
IRS990ScheduleO/GeneralExplanation/Identifier2O03
IRS990ScheduleO/GeneralExplanation/Identifier3O04
IRS990ScheduleO/GeneralExplanation/Identifier4O05
IRS990ScheduleO/GeneralExplanation/ReturnReference0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1Member election for additional members Part VI line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference2Governing body decisions Part VI line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990 governing body review Part VI line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4Governing documents etc available to public Part VI line 19
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0WI
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10PO BOX 570
IRS990/TheBooksAreInCareOf/AddressUS/City0Eau Claire
IRS990/TheBooksAreInCareOf/AddressUS/State0WI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode054702
IRS990/TheBooksAreInCareOf/NamePerson0Mary Duffy
IRS990/TheBooksAreInCareOf/TelephoneNumber07158339208
IRS990/TotalAssets/BOY0700786
IRS990/TotalAssetsBOY0700786
IRS990/TotalAssets/EOY0683048
IRS990/TotalAssetsEOY0683048
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear054597
IRS990/TotalExpensesPriorYear049167
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total054597
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY0568627
IRS990/TotalLiabilitiesBOY0568627
IRS990/TotalLiabilities/EOY0552630
IRS990/TotalLiabilitiesEOY0552630
IRS990/TotalLiabNetAssetsFundBalances/BOY0700786
IRS990/TotalLiabNetAssetsFundBalances/EOY0683048
IRS990/TotalNbrEmployees01
IRS990/TotalNetAssetsFundBalances/BOY0132159
IRS990/TotalNetAssetsFundBalances/EOY0130418
IRS990/TotalOtherCompensation00
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue052684
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg011525
IRS990/TotalRevenueCurrentYear052856
IRS990/TotalRevenue/ExclusionAmount0172
IRS990/TotalRevenuePriorYear053862
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome052684
IRS990/TotalRevenue/TotalRevenueColumn052856
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TransactionRelatedEntity0false
IRS990/Travel/Total0755
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01932
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0391086424
ReturnHeader/Filer/Name/BusinessNameLine10Eau Claire Press Credit Union
ReturnHeader/Filer/NameControl0EAUC
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 570
ReturnHeader/Filer/USAddress/City0Eau Claire
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054702
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02013-04-18
ReturnHeader/Officer/Name0Mary Duffy
ReturnHeader/Officer/Phone07158339208
ReturnHeader/Officer/Title0Manager
ReturnHeader/Preparer/DatePrepared02013-05-13
ReturnHeader/PreparerFirm/EIN0391127312
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Pewaukee
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode053072
ReturnHeader/Preparer/Name0Cari Thompson
ReturnHeader/Preparer/Phone02625490200
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-13T18:01:36-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.