Civic Intelligence

Focus Credit Union

990 • Fiscal year 2012 • EIN 39-1094338

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 01, 2013

Organization Profilewww.focus-cu.com

View Organization Page

N88W14930 Main Street53051
Siviq Scores

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

Liabilities / Assets

99th percentile

0.94x

Higher debt load relative to assets than 99% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

78th percentile

7.2%

Faster asset growth than 78% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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 / Assets99th percentile

Assets

Up

$39,937,118

Up $2,687,294 (+7.2%) from 2011

Net Assets

Up

$2,398,389

Up $276,603 (+13%) from 2011

Liabilities

Up

$37,538,729

Up $2,410,691 (+6.9%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,359,188

Down $424,754 (-15%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$60M$40M$20M$0Assets 2010: $37,633,533Liabilities 2010: $35,644,847Net Assets 2010: $1,988,6862010Assets 2011: $37,249,824Liabilities 2011: $35,128,038Net Assets 2011: $2,121,7862011Assets 2012: $39,937,118Liabilities 2012: $37,538,729Net Assets 2012: $2,398,3892012Assets 2013: $40,833,552Liabilities 2013: $38,202,262Net Assets 2013: $2,631,2902013Assets 2014: $40,902,261Liabilities 2014: $38,098,517Net Assets 2014: $2,803,7442014Assets 2015: $42,403,148Liabilities 2015: $39,437,296Net Assets 2015: $2,965,8522015Assets 2016: $44,760,848Liabilities 2016: $41,599,047Net Assets 2016: $3,161,8012016Assets 2017: $44,666,268Liabilities 2017: $41,281,010Net Assets 2017: $3,385,2582017Assets 2018: $44,631,164Liabilities 2018: $41,501,853Net Assets 2018: $3,129,3112018Assets 2019: $44,235,680Liabilities 2019: $40,675,587Net Assets 2019: $3,560,0932019Assets 2020: $50,901,343Liabilities 2020: $47,036,483Net Assets 2020: $3,864,8602020Assets 2021: $57,409,857Liabilities 2021: $53,147,292Net Assets 2021: $4,262,5652021Assets 2022: $58,597,299Liabilities 2022: $53,810,804Net Assets 2022: $4,786,4952022Assets 2024: $59,432,300Liabilities 2024: $52,285,880Net Assets 2024: $7,146,4202024

Highlighted filing

2012

Assets$39,937,118
Liabilities$37,538,729
Net Assets$2,398,389
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$2.0M$0-$2.0MExpenses 2010: $3,774,3572010Expenses 2011: $2,783,9422011Expenses 2012: $2,359,1882012Revenue 2013: $2,467,591Expenses 2013: $2,234,685Net Income 2013: $232,9062013Revenue 2014: $2,263,183Expenses 2014: $2,090,729Net Income 2014: $172,4542014Revenue 2015: $2,242,058Expenses 2015: $2,079,950Net Income 2015: $162,1082015Revenue 2016: $2,305,160Expenses 2016: $2,109,211Net Income 2016: $195,9492016Revenue 2017: $2,375,603Expenses 2017: $2,152,146Net Income 2017: $223,4572017Revenue 2018: $2,505,913Expenses 2018: $2,761,860Net Income 2018: -$255,9472018Revenue 2019: $2,584,763Expenses 2019: $2,153,981Net Income 2019: $430,7822019Revenue 2020: $2,422,473Expenses 2020: $2,117,709Net Income 2020: $304,7642020Revenue 2021: $2,404,359Expenses 2021: $2,006,652Net Income 2021: $397,7072021Revenue 2022: $2,568,574Expenses 2022: $2,044,643Net Income 2022: $523,9312022Revenue 2024: $3,979,185Expenses 2024: $2,858,426Net Income 2024: $1,120,7592024

Highlighted filing

2012

Revenue-
Expenses$2,359,188
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 1, 2013
Return Version
2012v2.1
Gross Receipts
$2,635,791
Mission and Program Overview

Mission

A cooperative, nonprofit corporation, incorporated to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions

Major Activities

Activity 2
We funded 1103 loans during 2012. As of 12/31/12, we had 179 mortgages/home equity lines, 1 member business loan and 2858 consumer loans. We also had 1051 credit card accounts with our members.
Filing and Contact Details

Filer

EIN
39-1094338
Raw XML AppendixShowing 400 of 407 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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IRS990ScheduleO/GeneralExplanation/Explanation0The Form 990 T will be filed after the Form 990 has been filed. Estimates related to figures reported on the Form 990T were used to complete the Form 990. If needed an extension will be filed for the Form 990T.
IRS990ScheduleO/GeneralExplanation/Explanation1The 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/Explanation2The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/GeneralExplanation/Explanation3Each 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/Explanation4The President & SVP review the 990 prior to filing.
IRS990ScheduleO/GeneralExplanation/Explanation5There are only three employees that are able to enter into a contract. They would know if that contract was with another employee or board member.
IRS990ScheduleO/GeneralExplanation/Explanation6It is stated in the Presidents/CEO9s contract that he will receive an annual review. During this process comparable salary data is provided to the compensation committee for their purview and ultimately their recommendation of package to the board.
IRS990ScheduleO/GeneralExplanation/Explanation7Available on request.
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ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0391094338
ReturnHeader/Filer/Name/BusinessNameLine10FOCUS Credit Union
ReturnHeader/Filer/NameControl0FOCU
ReturnHeader/Filer/USAddress/AddressLine10N88W14930 Main Street
ReturnHeader/Filer/USAddress/City0Menomonee Falls
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053051
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02013-04-01
ReturnHeader/Officer/Name0Dean Wilson
ReturnHeader/Officer/Phone02622550833
ReturnHeader/Officer/Title0CEO
ReturnHeader/Preparer/DatePrepared02013-05-14
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

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$39,937,118
Liabilities
$37,538,729
Net assets
$2,398,389
Revenue
-
Expenses
$2,359,188
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.4$52.3$7.15$3.98$2.86$1.12
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.$58.6$53.8$4.79$2.57$2.04$0.52
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.4$53.1$4.26$2.40$2.01$0.40
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$50.9$47.0$3.86$2.42$2.12$0.30
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.2$40.7$3.56$2.58$2.15$0.43
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.6$41.5$3.13$2.51$2.76$0.26
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.7$41.3$3.39$2.38$2.15$0.22
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$44.8$41.6$3.16$2.31$2.11$0.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$42.4$39.4$2.97$2.24$2.08$0.16
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.9$38.1$2.80$2.26$2.09$0.17
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$40.8$38.2$2.63$2.47$2.23$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.9$37.5$2.40$2.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.2$35.1$2.12$2.78
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.6$35.6$1.99$3.77