Civic Intelligence

Cone Credit Union

990 • Fiscal year 2017 • EIN 39-1137123

Jan 01, 2017 to Dec 31, 2017 • Filed on May 02, 2018

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.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

89th percentile

28.71x

Higher debt load relative to revenue than 89% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

13th percentile

0.4%

Higher net margin than 13% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

61st percentile

$109,307

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 11.6% of source-year revenue.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

29th percentile

0.2%

Faster asset growth than 29% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

29th percentile

2.3%

Faster revenue growth than 29% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$30,403,569

Up $59,967 (+0.2%) from 2016

Net Assets

Up

$3,400,859

Up $4,030 (+0.1%) from 2016

Liabilities

Up

$27,002,710

Up $55,937 (+0.2%) from 2016

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin13th percentile

Revenue

Up

$940,505

Up $21,127 (+2.3%) from 2016

Expenses

Up

$936,475

Up $116,231 (+14%) from 2016

Net Income

Down

$4,030

Down $95,104 (-96%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth29th 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 2017: $30,403,569Liabilities 2017: $27,002,710Net Assets 2017: $3,400,8592017Assets 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

2017

Assets$30,403,569
Liabilities$27,002,710
Net Assets$3,400,859
Open 2017 Filing

Operations Trend

Revenue Growth29th 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 2017: $940,505Expenses 2017: $936,475Net Income 2017: $4,0302017Revenue 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

2017

Revenue$940,505
Expenses$936,475
Net Income$4,030
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 2, 2018
Return Version
2017v2.3
Gross Receipts
$940,505
Mission and Program Overview

Mission

Constantly striving to better your financial future.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,709,732$19,882,290▲ $172,558
Savings and Temporary Cash Investments$9,543,800$9,519,490▼ $24,310
Rtn Earn Endowment Incm Other Fnds$3,396,829$3,400,859▲ $4,030
Investments Program Related$523,820$519,759▼ $4,061
Land, Buildings, and Equipment, Net$280,262$269,265▼ $10,997
Cash and Non-Interest-Bearing Accounts$189,588$147,772▼ $41,816
Prepaid Expenses and Deferred Charges$14,644--
Total Assets$30,343,602$30,403,569▲ $59,967
Other Assets Total$81,756$64,993▼ $16,763
Liabilities
Other Liabilities$26,929,263$26,979,415▲ $50,152
Accounts Payable and Accrued Expenses$17,510$23,295▲ $5,785
Total Liabilities$26,946,773$27,002,710▲ $55,937
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,396,829$3,400,859▲ $4,030
Total Liabilities and Net Assets / Fund Balance$30,343,602$30,403,569▲ $59,967

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$194,144$52,236$246,380
Equipment$18,001$92,128$110,129
Land$57,120-$57,120
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott SauerPresidentFT$95,890$13,417$109,307

Board Members and Trustees

NameTitle
John OphovenChairman
Joe WenningerVice-chairma
Chris FarrellDirector
Dennis AndersonDirector
Patty KundeDirector
Vernon GreenDirector
John WeyenbergSecretary
Paul HauffeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$811,526
Investment Income
$128,979
Other Revenue
$0
Change in Net Assets
$4,030
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$573,854
Salaries, Compensation, and Employee Benefits$362,621
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$220,727--$220,727
Current Officers, Directors, Trustees, and Key Employees$109,307--$109,307
Office Expenses$69,125--$69,125
Depreciation Depletion$64,840--$64,840
Fees for Services Other$22,286--$22,286
Payroll Taxes$22,183--$22,183
Occupancy$19,834--$19,834
Insurance$18,260--$18,260
Fees for Services Accounting$14,716--$14,716
Other Employee Benefits$10,404--$10,404
Other Expenses$9,004--$9,004
Fees for Services Legal$8,535--$8,535
Conferences and Meetings$8,284--$8,284
All Other Expenses$5,583--$5,583
Advertising$4,849--$4,849
Interest$36--$36
Total Functional Expenses$936,475$0$0$936,475
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$26,968,836
Accrued Dividends$10,579
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 chairman 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
John Ophoven
Title
Chairman
Phone
9208866455
Signed
2018-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Ophoven
Formed
1959
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
8
Employees
9

Preparer

Firm
Erickson & Associates Sc
Address
1000 WEST COLLEGE AVE, APPLETON, WI 54914
Preparer
Abraham D Eisen
Phone
9207334957
Raw XML Appendix372 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/ReportOtherLiabilitiesInd0true
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03400859
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09543800
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IRS990ScheduleD/BuildingsGrp/BookValueAmt0194144
IRS990ScheduleD/BuildingsGrp/DepreciationAmt052236
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0246380
IRS990ScheduleD/EquipmentGrp/BookValueAmt018001
IRS990ScheduleD/EquipmentGrp/DepreciationAmt092128
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0110129
IRS990ScheduleD/LandGrp/BookValueAmt057120
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt057120
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt026968836
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110579
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0269265
IRS990ScheduleD/TotalLiabilityAmt026979415
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 CHAIRMAN 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
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030343602
IRS990/TotalAssetsEOYAmt030403569
IRS990/TotalAssetsGrp/BOYAmt030343602
IRS990/TotalAssetsGrp/EOYAmt030403569
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0936475
IRS990/TotalFunctionalExpensesGrp/TotalAmt0936475
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt026946773
IRS990/TotalLiabilitiesEOYAmt027002710
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IRS990/TotalLiabilitiesGrp/EOYAmt027002710
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03396829
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03400859
IRS990/TotalOtherCompensationAmt013417
IRS990/TotalProgramServiceRevenueAmt0811526
IRS990/TotalReportableCompFromOrgAmt095890
IRS990/TotalRevenueGrp/ExclusionAmt0128979
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0811526
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0940505
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030343602
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt030403569
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0219 W CECIL STREET
IRS990/USAddress/CityNm0NEENAH
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054956
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.CONECU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN OPHOVEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum09208866455
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-02
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
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0B64583BAFCFAFCC47D4BBFEFC39E774439F2650D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0270E21A6DDD41DC593478B19B3AF1E570B2E4A96
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt098.103.186.102
ReturnHeader/FilingSecurityInformation/IPDt02018-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm009:14:38
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/PreparationDt02018-05-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ABRAHAM D EISEN
ReturnHeader/ReturnTs02018-05-10T09:14:38-05:00
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
$30,403,569
Liabilities
$27,002,710
Net assets
$3,400,859
Revenue
$940,505
Expenses
$936,475
Net income
$4,030
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
2017Detailed filing. Detailed filing data is available for this year.$30.4$27.0$3.40$0.94$0.94$0.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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