Civic Intelligence

Gilman Area Credit Union

EIN 39-1217083 • 501(c)14 • Gilman, WI

Profile

Making loans available to members

PO Box 96Gilman, WI 54433
Siviq Scores

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

Liabilities / Assets

70th percentile

0.86x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

95th percentile

28.98x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

39th percentile

-8.2%

Higher net margin than 39% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

33rd percentile

$24,000

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 40.6% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

84th percentile

1.6%

Faster asset growth than 84% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2014

Revenue Growth

38th percentile

-11%

Faster revenue growth than 38% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2014

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$2,001,886

Up $62,457 (+3.2%) from 2012

Liabilities

Up

$1,713,175

Up $71,113 (+4.3%) from 2012

Net Assets

Down

$288,711

Down $8,656 (-2.9%) from 2012

Operations
Liabilities / Revenue95th percentileNet Margin39th percentile

Revenue

Down

$59,111

Down $14,699 (-20%) from 2012

Expenses

Down

$63,960

Down $246 (-0.4%) from 2012

Net Income

Down

-$4,849

Down $14,453 (-150%) from 2012

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,856,472Liabilities 2011: $1,568,699Net Assets 2011: $287,7732011Assets 2012: $1,939,429Liabilities 2012: $1,642,062Net Assets 2012: $297,3672012Assets 2014: $2,001,886Liabilities 2014: $1,713,175Net Assets 2014: $288,7112014

Highlighted filing

2014

Assets$2,001,886
Liabilities$1,713,175
Net Assets$288,711
Open 2014 Filing

Operations Trend

Revenue Growth38th percentile

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

$80K$60K$40K$20K$0-$20KExpenses 2011: $73,5712011Revenue 2012: $73,810Expenses 2012: $64,206Net Income 2012: $9,6042012Revenue 2014: $59,111Expenses 2014: $63,960Net Income 2014: -$4,8492014

Highlighted filing

2014

Revenue$59,111
Expenses$63,960
Net Income-$4,849
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,001,886
Liabilities
$1,713,175
Net assets
$288,711
Revenue
$59,111
Expenses
$63,960
Net income
-$4,849
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$2.00$1.71$0.29$0.06$0.06$0.00
2012Summary only. Only limited summary data is available for this year.$1.94$1.64$0.30$0.07$0.06$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.86$1.57$0.29$0.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jun 2, 2015
Return Version
2014v5.0
Gross Receipts
$59,111
Mission and Program Overview

Mission

Making loans available to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$881,271$1,128,441▲ $247,170
Investments Other Securities$827,497$805,322▼ $22,175
Rtn Earn Endowment Incm Other Fnds$293,560$288,711▼ $4,849
Cash and Non-Interest-Bearing Accounts$156,148$40,590▼ $115,558
Prepaid Expenses and Deferred Charges$10,891$7,441▼ $3,450
Receivables From Officers Etc$13,525$4,005▼ $9,520
Total Assets$1,905,720$2,001,886▲ $96,166
Other Assets Total$16,388$16,087▼ $301
Liabilities
Other Liabilities$1,608,691$1,710,023▲ $101,332
Accounts Payable and Accrued Expenses$3,469$3,152▼ $317
Total Liabilities$1,612,160$1,713,175▲ $101,015
Net Assets / Fund Balance
Total Net Assets Fund Balance$293,560$288,711▼ $4,849
Total Liabilities and Net Assets / Fund Balance$1,905,720$2,001,886▲ $96,166

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$16,087--
Other Securities$805,322--
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
John W BurzynskiPresidentPT$24,000$24,000

Board Members and Trustees

NameTitle
Charles WebsterChairperson
Patrick GunnVice-chairper
Jane DestaerckeBoard Member
Greg KuhsAuditor
Rodger MravikAuditor
Candice GrunsethOfficer
Frances PrasnickiSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$51,732
Investment Income
$5,657
Other Revenue
$1,722
Change in Net Assets
$-4,849
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$37,981
Salaries, Compensation, and Employee Benefits$25,979
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$24,000--$24,000
Insurance$10,576--$10,576
Office Expenses$10,427--$10,427
Occupancy$6,000--$6,000
Other Expenses$4,831--$4,831
Payroll Taxes$1,979--$1,979
Fees for Services Accounting$1,841--$1,841
Advertising$1,004--$1,004
Travel$945--$945
Total Functional Expenses$63,960$0$0$63,960
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$13,525$4,005▼ $9,520
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits on Account$1,710,023
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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

Officer directors etc family relationship Part VI line 2

“Officer john burzynski is the ownes the building and personal property used by the credit union and is paid rent for their use.”

Members or stockholder classes and rights Part VI line 6

“Every personal who holds a savings account in the credit union is a member and is allowed to vote at the annual meetings.”

Member election for additional members Part VI line 7A

“All board members are elected by shareholds at the annual meetings. Terms are for three years with staggered renewals.”

Governing body decisions Part VI line 7B

“Field of membership changes must be approved at the annual meeting and voted on by all members present.”

Form 990 governing body review Part VI line 11

“Copy of form 990 is gone over by board of directors before being filed.”

Conflict of interest policy compliance Part VI line 12C

“Policies are gone over annualy at the organizational meeting. Compliance is gone over monthly at each meeting as far as new and changed policy along with annual review of compliance.”

CEO executive director top management comp Part VI line 15A

“Salary is gone over an set at the organizational meeting held each year.”

Other officer or key employee compensation Part VI line 15B

“Annual review of salary is done at annual organization meeting each year and voted on by board of directors.”

Governing documents etc available to public Part VI line 19

“Financial statements are posted on office lobby, along with annual posting in local news paper once per year after year end statements are completed.”

Filing and Contact Details

Filer

Filer Name
Gilman Area Credit Union
EIN
39-1217083
Address
PO BOX 96, Gilman, WI 54433
Doing Business As
John Burzynski

Signing Officer

Name
John W Burzynski
Title
President
Phone
7154478282
Signed
2015-06-02
Discuss with paid preparer
No

Organization Details

Principal Officer
John W Burzynski
Formed
1963
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
1
Volunteers
7

Preparer

Firm
John W Burzynski CPA
Address
PO BOX 96, Gilman, WI 54433
Preparer
John Burzynski CPA
Phone
7154478281
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“rounding adjustment”

Raw XML Appendix367 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/SupplementalInformationDetail/ExplanationTxt0OFFICER JOHN BURZYNSKI IS THE OWNES THE BUILDING AND PERSONAL PROPERTY USED BY THE CREDIT UNION AND IS PAID RENT FOR THEIR USE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EVERY PERSONAL WHO HOLDS A SAVINGS ACCOUNT IN THE CREDIT UNION IS A MEMBER AND IS ALLOWED TO VOTE AT THE ANNUAL MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL BOARD MEMBERS ARE ELECTED BY SHAREHOLDS AT THE ANNUAL MEETINGS. TERMS ARE FOR THREE YEARS WITH STAGGERED RENEWALS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FIELD OF MEMBERSHIP CHANGES MUST BE APPROVED AT THE ANNUAL MEETING AND VOTED ON BY ALL MEMBERS PRESENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COPY OF FORM 990 IS GONE OVER BY BOARD OF DIRECTORS BEFORE BEING FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5POLICIES ARE GONE OVER ANNUALY AT THE ORGANIZATIONAL MEETING. COMPLIANCE IS GONE OVER MONTHLY AT EACH MEETING AS FAR AS NEW AND CHANGED POLICY ALONG WITH ANNUAL REVIEW OF COMPLIANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6SALARY IS GONE OVER AN SET AT THE ORGANIZATIONAL MEETING HELD EACH YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ANNUAL REVIEW OF SALARY IS DONE AT ANNUAL ORGANIZATION MEETING EACH YEAR AND VOTED ON BY BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL STATEMENTS ARE POSTED ON OFFICE LOBBY, ALONG WITH ANNUAL POSTING IN LOCAL NEWS PAPER ONCE PER YEAR AFTER YEAR END STATEMENTS ARE COMPLETED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9rounding adjustment
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Officer directors etc family relationship Part VI line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Explanation of other changes in net assets or fund balances Part XI line 9
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt063960
IRS990/TotalFunctionalExpensesGrp/TotalAmt063960
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01612160
IRS990/TotalLiabilitiesEOYAmt01713175
IRS990/TotalLiabilitiesGrp/BOYAmt01612160
IRS990/TotalLiabilitiesGrp/EOYAmt01713175
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0293560
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0288711
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt063960
IRS990/TotalProgramServiceRevenueAmt051732
IRS990/TotalReportableCompFromOrgAmt024000
IRS990/TotalRevenueGrp/ExclusionAmt059111
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt059111
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01905720
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02001886
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt0945
IRS990/TravelGrp/TotalAmt0945
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0W12807 CTH M
IRS990/USAddress/CityNm0GILMAN
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054433
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN W BURZYNSKI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07154478282
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-06-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GILMAN AREA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GILM
ReturnHeader/Filer/EIN0391217083
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 96
ReturnHeader/Filer/USAddress/CityNm0Gilman
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054433
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391612632
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JOHN W BURZYNSKI CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 96
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Gilman
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd054433
ReturnHeader/PreparerPersonGrp/PhoneNum07154478281
ReturnHeader/PreparerPersonGrp/PreparationDt02015-06-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOHN BURZYNSKI CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-06-02T16:29:11-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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