Civic Intelligence

Cone Credit Union

990 • Fiscal year 2016 • EIN 39-1137123

Jan 01, 2016 to Dec 31, 2016 • Filed on Sep 01, 2017

Organization ProfileWWW.CONECU.ORG

View Organization Page

219 W Cecil StreetNeenah, WI 54956

(920) 886-6455

Siviq Scores

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

Liabilities / Assets

61st percentile

0.89x

Higher debt load relative to assets than 61% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

87th percentile

29.31x

Higher debt load relative to revenue than 87% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

64th percentile

11%

Higher net margin than 64% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

65th percentile

$107,447

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 11.7% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

14th percentile

-1.0%

Faster asset growth than 14% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

72nd percentile

6.2%

Faster revenue growth than 72% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets61st percentile

Assets

Down

$30,343,602

Down $306,970 (-1.0%) from 2015

Net Assets

Up

$3,396,829

Up $99,134 (+3.0%) from 2015

Liabilities

Down

$26,946,773

Down $406,104 (-1.5%) from 2015

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin64th percentile

Revenue

Up

$919,378

Up $53,771 (+6.2%) from 2015

Expenses

Up

$820,244

Up $10,387 (+1.3%) from 2015

Net Income

Up

$99,134

Up $43,384 (+78%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth14th percentile

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

$40M$30M$20M$10M$0Assets 2010: $25,748,866Liabilities 2010: $23,161,833Net Assets 2010: $2,587,0332010Assets 2011: $28,348,893Liabilities 2011: $25,618,014Net Assets 2011: $2,730,8792011Assets 2012: $29,734,807Liabilities 2012: $26,793,356Net Assets 2012: $2,941,4512012Assets 2013: $29,105,851Liabilities 2013: $26,018,659Net Assets 2013: $3,087,1922013Assets 2014: $29,227,602Liabilities 2014: $25,985,657Net Assets 2014: $3,241,9452014Assets 2015: $30,650,572Liabilities 2015: $27,352,877Net Assets 2015: $3,297,6952015Assets 2016: $30,343,602Liabilities 2016: $26,946,773Net Assets 2016: $3,396,8292016Assets 2018: $28,331,778Liabilities 2018: $24,889,463Net Assets 2018: $3,442,3152018Assets 2019: $28,116,023Liabilities 2019: $24,885,171Net Assets 2019: $3,230,8522019Assets 2020: $29,072,322Liabilities 2020: $25,812,543Net Assets 2020: $3,259,7792020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2016

Assets$30,343,602
Liabilities$26,946,773
Net Assets$3,396,829
Open 2016 Filing

Operations Trend

Revenue Growth72nd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $906,1452010Expenses 2011: $829,9362011Expenses 2012: $739,5872012Revenue 2013: $886,775Expenses 2013: $741,034Net Income 2013: $145,7412013Revenue 2014: $862,458Expenses 2014: $707,705Net Income 2014: $154,7532014Revenue 2015: $865,607Expenses 2015: $809,857Net Income 2015: $55,7502015Revenue 2016: $919,378Expenses 2016: $820,244Net Income 2016: $99,1342016Revenue 2018: $1,028,579Expenses 2018: $987,123Net Income 2018: $41,4562018Revenue 2019: $955,264Expenses 2019: $1,166,727Net Income 2019: -$211,4632019Revenue 2020: $965,563Expenses 2020: $936,636Net Income 2020: $28,9272020Revenue 2021: $408,194Expenses 2021: $428,207Net Income 2021: -$20,0132021

Highlighted filing

2016

Revenue$919,378
Expenses$820,244
Net Income$99,134
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Sep 1, 2017
Return Version
2016v3.0
Gross Receipts
$919,378
Mission and Program Overview

Mission

Constantly striving to better your financial future.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,476,872$19,709,732▲ $232,860
Savings and Temporary Cash Investments$10,023,170$9,543,800▼ $479,370
Rtn Earn Endowment Incm Other Fnds$3,297,695$3,396,829▲ $99,134
Investments Program Related$504,431$523,820▲ $19,389
Land, Buildings, and Equipment, Net$292,891$280,262▼ $12,629
Cash and Non-Interest-Bearing Accounts$177,330$189,588▲ $12,258
Prepaid Expenses and Deferred Charges$23,041$14,644▼ $8,397
Total Assets$30,650,572$30,343,602▼ $306,970
Other Assets Total$152,837$81,756▼ $71,081
Liabilities
Other Liabilities$27,247,360$26,929,263▼ $318,097
Unsecured Notes Loans Payable$86,337--
Accounts Payable and Accrued Expenses$19,180$17,510▼ $1,670
Total Liabilities$27,352,877$26,946,773▼ $406,104
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,297,695$3,396,829▲ $99,134
Total Liabilities and Net Assets / Fund Balance$30,650,572$30,343,602▼ $306,970

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$203,169$43,211$246,380
Equipment$19,973$84,632$104,605
Land$57,120-$57,120
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott SauerPresidentFT$93,986$13,461$107,447

Board Members and Trustees

NameTitle
John OphovenChairman
Paul HauffeVice-chairma
Debra ScottDirector
Jim ReinkeDirector
Joe WenningerDirector
Patty KundeDirector
John WeyenbergSecretary
Dennis AndersonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$812,152
Investment Income
$107,226
Other Revenue
$0
Change in Net Assets
$99,134
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$465,446
Salaries, Compensation, and Employee Benefits$354,798
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$215,159--$215,159
Current Officers, Directors, Trustees, and Key Employees$107,447--$107,447
Depreciation Depletion$70,814--$70,814
Office Expenses$61,232--$61,232
Payroll Taxes$25,513--$25,513
Occupancy$19,003--$19,003
Insurance$16,794--$16,794
Fees for Services Accounting$16,087--$16,087
Conferences and Meetings$12,102--$12,102
All Other Expenses$7,239--$7,239
Other Expenses$6,958--$6,958
Fees for Services Other$6,936--$6,936
Other Employee Benefits$6,679--$6,679
Advertising$5,646--$5,646
Fees for Services Legal$3,081--$3,081
Interest$254--$254
Total Functional Expenses$820,244$0$0$820,244
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$26,919,224
Accrued Dividends$10,039
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, 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 the governing body - the board of directors.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership utilizing their one vote per member.”

Form 990, Page 6, Part VI, Line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the board of directors as outlined in the organization's bylaws. Any decision to dissolve or merge the organization requires approval of membership unless mandated by regulatory agencies for example the ncua or wisconsin office of credit unions.”

Form 990, Page 6, Part VI, Line 11B

“Draft copy of 990 is provided to the president for review and approved before the return is signed, dated, and filed.”

Form 990, Page 6, Part VI, Line 12C

“President reviews this as a part of the vendor management policy.”

Form 990, Page 6, Part VI, Line 15A

“Executive compensation is determined by the board of directors utilizing third-party surveys for comparable data purposes. Executive compensation is reviewed by our internal auditor to verify it matches what the board has approved.”

Form 990, Page 6, Part VI, Line 15B

“Overall compensation is approved by the board of directors. Allocation to staff is determined by the president and reviewed by the internal auditor.”

Form 990, Page 6, Part VI, Line 19

“Governing documents, policies and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Cone Credit Union
EIN
39-1137123
Phone
9208866455
Address
219 W CECIL STREET, NEENAH, WI 54956

Signing Officer

Name
Scott Sauer
Title
President
Phone
9208866455
Signed
2017-09-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Sauer
Formed
1959
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
9
Employees
9

Preparer

Firm
Erickson & Associates Sc
Address
1000 WEST COLLEGE AVE, APPLETON, WI 54914
Preparer
Abraham D Eisen
Phone
9207334957
Raw XML Appendix373 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/ReconcilationRevenueExpnssAmt099134
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03297695
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03396829
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010023170
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09543800
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0203169
IRS990ScheduleD/BuildingsGrp/DepreciationAmt043211
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0246380
IRS990ScheduleD/EquipmentGrp/BookValueAmt019973
IRS990ScheduleD/EquipmentGrp/DepreciationAmt084632
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0104605
IRS990ScheduleD/LandGrp/BookValueAmt057120
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt057120
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt026919224
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110039
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0280262
IRS990ScheduleD/TotalLiabilityAmt026929263
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 THE GOVERNING BODY - THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP UTILIZING THEIR ONE VOTE PER MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER HAS ONE VOTE TO UTILIZE IN RATIFYING SIGNIFICANT DECISIONS BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS AS OUTLINED IN THE ORGANIZATION'S BYLAWS. ANY DECISION TO DISSOLVE OR MERGE THE ORGANIZATION REQUIRES APPROVAL OF MEMBERSHIP UNLESS MANDATED BY REGULATORY AGENCIES FOR EXAMPLE THE NCUA OR WISCONSIN OFFICE OF CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DRAFT COPY OF 990 IS PROVIDED TO THE PRESIDENT FOR REVIEW AND APPROVED BEFORE THE RETURN IS SIGNED, DATED, AND FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PRESIDENT REVIEWS THIS AS A PART OF THE VENDOR MANAGEMENT POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS UTILIZING THIRD-PARTY SURVEYS FOR COMPARABLE DATA PURPOSES. EXECUTIVE COMPENSATION IS REVIEWED BY OUR INTERNAL AUDITOR TO VERIFY IT MATCHES WHAT THE BOARD HAS APPROVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OVERALL COMPENSATION IS APPROVED BY THE BOARD OF DIRECTORS. ALLOCATION TO STAFF IS DETERMINED BY THE PRESIDENT AND REVIEWED BY THE INTERNAL AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030650572
IRS990/TotalAssetsEOYAmt030343602
IRS990/TotalAssetsGrp/BOYAmt030650572
IRS990/TotalAssetsGrp/EOYAmt030343602
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0820244
IRS990/TotalFunctionalExpensesGrp/TotalAmt0820244
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt027352877
IRS990/TotalLiabilitiesEOYAmt026946773
IRS990/TotalLiabilitiesGrp/BOYAmt027352877
IRS990/TotalLiabilitiesGrp/EOYAmt026946773
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03297695
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03396829
IRS990/TotalOtherCompensationAmt013461
IRS990/TotalProgramServiceRevenueAmt0812152
IRS990/TotalReportableCompFromOrgAmt093986
IRS990/TotalRevenueGrp/ExclusionAmt0104976
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0814402
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0919378
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030650572
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt030343602
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt086337
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0219 W CECIL STREET
IRS990/USAddress/CityNm0NEENAH
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054956
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.CONECU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SCOTT SAUER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09208866455
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-09-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CONE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CONE
ReturnHeader/Filer/EIN0391137123
ReturnHeader/Filer/PhoneNum09208866455
ReturnHeader/Filer/USAddress/AddressLine1Txt0219 W CECIL STREET
ReturnHeader/Filer/USAddress/CityNm0NEENAH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054956
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0B64583BAFCFAFCC47D4BBFEFC39E774439F2650D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId02F8B5B840CD3A896DAB22ED4D25E7EDFB656E5FA
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391520996
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ERICKSON & ASSOCIATES SC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01000 WEST COLLEGE AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0APPLETON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd054914
ReturnHeader/PreparerPersonGrp/PhoneNum09207334957
ReturnHeader/PreparerPersonGrp/PreparationDt02017-09-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ABRAHAM D EISEN
ReturnHeader/ReturnTs02017-09-05T15:42:16-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$30,343,602
Liabilities
$26,946,773
Net assets
$3,396,829
Revenue
$919,378
Expenses
$820,244
Net income
$99,134
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.41$0.43$0.02
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.1$25.8$3.26$0.97$0.94$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.1$24.9$3.23$0.96$1.17$0.21
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.3$24.9$3.44$1.03$0.99$0.04
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2016Detailed filing. Detailed filing data is available for this year.$30.3$26.9$3.40$0.92$0.82$0.10
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.7$27.4$3.30$0.87$0.81$0.06
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.2$26.0$3.24$0.86$0.71$0.15
2013Detailed filing. Detailed filing data is available for this year.$29.1$26.0$3.09$0.89$0.74$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.7$26.8$2.94$0.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.3$25.6$2.73$0.83
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.7$23.2$2.59$0.91