Civic Intelligence

Sentry Credit Union

990 • Fiscal year 2013 • EIN 39-1429665

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 24, 2014

Organization Profilewww.sentrycu.org
1800 North Point DriveStevens Point, WI 54481

(715) 346-6534

Siviq Scores

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

Liabilities / Assets

18th percentile

0.85x

Higher debt load relative to assets than 18% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

89th percentile

25.57x

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

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

86th percentile

20%

Higher net margin than 86% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

25th percentile

$105,897

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

13th percentile

-2.7%

Faster asset growth than 13% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$86,561,168

Down $2,360,618 (-2.7%) from 2012

Net Assets

Up

$12,925,370

Up $567,738 (+4.6%) from 2012

Liabilities

Down

$73,635,798

Down $2,928,356 (-3.8%) from 2012

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin86th percentile

Revenue

$2,879,292

No earlier filing loaded for comparison.

Expenses

Down

$2,311,554

Down $348,363 (-13%) from 2012

Net Income

$567,738

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$150M$100M$50M$0Assets 2011: $79,015,640Liabilities 2011: $67,160,838Net Assets 2011: $11,854,8022011Assets 2012: $88,921,786Liabilities 2012: $76,564,154Net Assets 2012: $12,357,6322012Assets 2013: $86,561,168Liabilities 2013: $73,635,798Net Assets 2013: $12,925,3702013Assets 2014: $86,764,137Liabilities 2014: $73,292,453Net Assets 2014: $13,471,6842014Assets 2015: $89,119,624Liabilities 2015: $75,104,528Net Assets 2015: $14,015,0962015Assets 2016: $93,251,356Liabilities 2016: $78,789,767Net Assets 2016: $14,461,5892016Assets 2018: $97,616,544Liabilities 2018: $82,286,719Net Assets 2018: $15,329,8252018Assets 2019: $104,243,954Liabilities 2019: $88,419,169Net Assets 2019: $15,824,7852019Assets 2021: $131,234,457Liabilities 2021: $114,084,853Net Assets 2021: $17,149,6042021Assets 2022: $136,934,378Liabilities 2022: $119,136,881Net Assets 2022: $17,797,4972022Assets 2024: $143,349,770Liabilities 2024: $123,966,874Net Assets 2024: $19,382,8962024

Highlighted filing

2013

Assets$86,561,168
Liabilities$73,635,798
Net Assets$12,925,370
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2011: $2,561,4642011Expenses 2012: $2,659,9172012Revenue 2013: $2,879,292Expenses 2013: $2,311,554Net Income 2013: $567,7382013Revenue 2014: $2,725,069Expenses 2014: $2,178,755Net Income 2014: $546,3142014Revenue 2015: $2,669,937Expenses 2015: $2,126,525Net Income 2015: $543,4122015Revenue 2016: $2,715,485Expenses 2016: $2,268,992Net Income 2016: $446,4932016Revenue 2018: $3,398,585Expenses 2018: $2,609,404Net Income 2018: $789,1812018Revenue 2019: $3,813,787Expenses 2019: $3,318,827Net Income 2019: $494,9602019Revenue 2021: $3,410,281Expenses 2021: $2,887,449Net Income 2021: $522,8322021Revenue 2022: $3,850,431Expenses 2022: $3,202,537Net Income 2022: $647,8942022Revenue 2024: $6,913,526Expenses 2024: $6,568,301Net Income 2024: $345,2252024

Highlighted filing

2013

Revenue$2,879,292
Expenses$2,311,554
Net Income$567,738
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 24, 2014
Return Version
2013v3.1
Gross Receipts
$2,879,292
Mission and Program Overview

Mission

To deliver safe, competitive and convenient personal banking products, with exceptional service, to our members. As a trusted partner, our solid financial strength ensures members can rely us to assist toward attaining their financial goals while creating highly valued benefit.

The Sentry Credit Union Mission is to develop and maintain a full service financial institution, which will help our members help themselves achieve financial security, by providing a broad variety of cost effective services, meeting competition in a financially sound manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$55,092,398$51,458,715▼ $3,633,683
Savings and Temporary Cash Investments$24,575,385$26,493,475▲ $1,918,090
Rtn Earn Endowment Incm Other Fnds$12,357,632$12,925,370▲ $567,738
Investments Other Securities$6,000,000$6,000,000→ $0
Investments Program Related$1,296,553$1,396,725▲ $100,172
Cash and Non-Interest-Bearing Accounts$773,856$724,158▼ $49,698
Accounts Receivable$912,951$169,264▼ $743,687
Prepaid Expenses and Deferred Charges$87,150$131,836▲ $44,686
Land, Buildings, and Equipment, Net$47,119$59,525▲ $12,406
Total Assets$88,921,786$86,561,168▼ $2,360,618
Other Assets Total$136,374$127,470▼ $8,904
Liabilities
Other Liabilities$70,419,627$70,042,678▼ $376,949
Accounts Payable and Accrued Expenses$6,144,527$3,593,120▼ $2,551,407
Total Liabilities$76,564,154$73,635,798▼ $2,928,356
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,357,632$12,925,370▲ $567,738
Total Liabilities and Net Assets / Fund Balance$88,921,786$86,561,168▼ $2,360,618

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$59,525$166,189$225,714
Investment Program Related Org$666,941--
Other Securities$6,000,000--
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rex FairPresidentFT$94,761$11,136$105,897

Board Members and Trustees

NameTitle
Harry RiceChair
Joe MangalVice Chair
Cindy KievetDirector
Jack EdgertonDirector
James NickersonDirector
Mike BilbreyDirector
Sue KedrowskiDirector
Jim ZwickerSecretary
Dave AreyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,489,188
Investment Income
$390,104
Other Revenue
$0
Change in Net Assets
$567,738
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,249,380
Salaries, Compensation, and Employee Benefits$1,062,174
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$604,362
Other Employee Benefits---$363,051
Information Technology---$228,723
Interest---$111,002
Current Officers, Directors, Trustees, and Key Employees---$94,761
Office Expenses---$73,874
Advertising---$55,162
Fees for Services Other---$32,890
All Other Expenses---$30,109
Occupancy---$28,800
Payments to Affiliates---$26,872
Other Expenses-$24,344-$24,344
Insurance---$18,370
Depreciation Depletion---$17,034
Fees for Services Accounting---$10,000
Conferences and Meetings---$7,783
Travel---$2,009
Fees for Services Legal---$44
Total Functional Expenses$0$0$0$2,311,554
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares & Deposits$70,042,274
Accrued Dividends$404
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights 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 governing body (Board of Directors).”

Member election for additional members Part VI line 7A

“The Board of Directors is elected by the membership utilizing their one vote per member”

Governing body decisions Part VI line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization's 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).”

Form 990 governing body review Part VI line 11

“Upon completion of Form 990, it is reviewed by the Accountant and President.”

Conflict of interest policy compliance Part VI line 12C

“A Conflict of Interest statement is signed annually by all officers, directors and employees. Any conflicts are resolved by the Board of Directors.”

Governing documents etc available to public Part VI line 19

“We do not make them available to the public.”

Filing and Contact Details

Filer

EIN
39-1429665

Signing Officer

Name
Rex L Fair
Title
President
Phone
7153466534
Signed
2014-10-24
Discuss with paid preparer
No

Organization Details

Principal Officer
Rex Fair
Formed
1935
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
9
Employees
14
Volunteers
13

Preparer

Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Unrelated business income explanation Part V line 3B

“We plan to file the 990-T before the extended due date.”

Raw XML Appendix385 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/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02028247
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1260103
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2195709
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35129
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt05129
IRS990/ProgSrvcAccomActy2Grp/Desc0We funded 2159 loans during 2013. As of 12/31/13, we had 725 mortgages/home equity, 853 consumer loans and 1732 credit card accounts with our members.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0423001
IRS990/PYOtherExpensesAmt01608844
IRS990/PYProgramServiceRevenueAmt02739746
IRS990/PYRevenuesLessExpensesAmt0502830
IRS990/PYSalariesCompEmpBnftPaidAmt01051073
IRS990/PYTotalExpensesAmt02659917
IRS990/PYTotalRevenueAmt03162747
IRS990/ReconcilationRevenueExpnssAmt0567738
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012357632
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012925370
IRS990/SavingsAndTempCashInvstGrp/BOYAmt024575385
IRS990/SavingsAndTempCashInvstGrp/EOYAmt026493475
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt059525
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0166189
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0225714
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0676166
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt153618
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2666941
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1PSCU CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CCCU MCS & PCC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt070042274
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1404
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06000000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Govt Investments - FHLB
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt059525
IRS990ScheduleD/TotalBookValueProgramRltdAmt01396725
IRS990ScheduleD/TotalBookValueSecuritiesAmt06000000
IRS990ScheduleD/TotalLiabilityAmt070042678
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We plan to file the 990-T before the extended due date.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The 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/SupplementalInformationDetail/ExplanationTxt2The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization's 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/SupplementalInformationDetail/ExplanationTxt4Upon completion of Form 990, it is reviewed by the Accountant and President.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A Conflict of Interest statement is signed annually by all officers, directors and employees. Any conflicts are resolved by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6We do not make them available to the public.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Unrelated business income explanation Part V line 3b
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/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt088921786
IRS990/TotalAssetsEOYAmt086561168
IRS990/TotalAssetsGrp/BOYAmt088921786
IRS990/TotalAssetsGrp/EOYAmt086561168
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02311554
IRS990/TotalGrossUBIAmt05129
IRS990/TotalLiabilitiesBOYAmt076564154
IRS990/TotalLiabilitiesEOYAmt073635798
IRS990/TotalLiabilitiesGrp/BOYAmt076564154
IRS990/TotalLiabilitiesGrp/EOYAmt073635798
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012357632
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012925370
IRS990/TotalOtherCompensationAmt011136
IRS990/TotalProgramServiceRevenueAmt02489188
IRS990/TotalReportableCompFromOrgAmt094761
IRS990/TotalRevenueGrp/ExclusionAmt0390104
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02484059
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02879292
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05129
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt088921786
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt086561168
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt02009
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.sentrycu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Rex L Fair
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07153466534
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-24
ReturnHeader/Filer/BusinessName/BusinessNameLine10Sentry Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SENT
ReturnHeader/Filer/EIN0391429665
ReturnHeader/Filer/USAddress/AddressLine101800 North Point Drive
ReturnHeader/Filer/USAddress/City0Stevens Point
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054481
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-11-11T16:11:25-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$86,561,168
Liabilities
$73,635,798
Net assets
$12,925,370
Revenue
$2,879,292
Expenses
$2,311,554
Net income
$567,738
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$143$124$19.4$6.91$6.57$0.35
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$137$119$17.8$3.85$3.20$0.65
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$114$17.1$3.41$2.89$0.52
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$104$88.4$15.8$3.81$3.32$0.49
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$97.6$82.3$15.3$3.40$2.61$0.79
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$93.3$78.8$14.5$2.72$2.27$0.45
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$89.1$75.1$14.0$2.67$2.13$0.54
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$86.8$73.3$13.5$2.73$2.18$0.55
2013Detailed filing. Detailed filing data is available for this year.$86.6$73.6$12.9$2.88$2.31$0.57
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$88.9$76.6$12.4$2.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$79.0$67.2$11.9$2.56
Peer Organizations

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