Civic Intelligence

Sentry Credit Union

990 • Fiscal year 2016 • EIN 39-1429665

Jan 01, 2016 to Dec 31, 2016 • Filed on Aug 04, 2017

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

(715) 346-7533

Siviq Scores

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

Liabilities / Assets

19th percentile

0.84x

Higher debt load relative to assets than 19% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

91st percentile

29.01x

Higher debt load relative to revenue than 91% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

77th percentile

16%

Higher net margin than 77% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

47th percentile

$131,210

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

59th percentile

4.6%

Faster asset growth than 59% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

35th percentile

1.7%

Faster revenue growth than 35% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$93,251,356

Up $4,131,732 (+4.6%) from 2015

Net Assets

Up

$14,461,589

Up $446,493 (+3.2%) from 2015

Liabilities

Up

$78,789,767

Up $3,685,239 (+4.9%) from 2015

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin77th percentile

Revenue

Up

$2,715,485

Up $45,548 (+1.7%) from 2015

Expenses

Up

$2,268,992

Up $142,467 (+6.7%) from 2015

Net Income

Down

$446,493

Down $96,919 (-18%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth59th 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

2016

Assets$93,251,356
Liabilities$78,789,767
Net Assets$14,461,589
Open 2016 Filing

Operations Trend

Revenue Growth35th percentile

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

2016

Revenue$2,715,485
Expenses$2,268,992
Net Income$446,493
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Aug 4, 2017
Return Version
2016v3.0
Gross Receipts
$2,716,818
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$57,724,573$59,853,464▲ $2,128,891
Savings and Temporary Cash Investments$27,268,544$30,413,588▲ $3,145,044
Rtn Earn Endowment Incm Other Fnds$14,015,096$14,461,589▲ $446,493
Investments Program Related$1,438,279$1,463,433▲ $25,154
Investments Other Securities$1,000,000--
Cash and Non-Interest-Bearing Accounts$680,802$968,860▲ $288,058
Land, Buildings, and Equipment, Net$49,247$249,626▲ $200,379
Accounts Receivable$792,622$171,464▼ $621,158
Prepaid Expenses and Deferred Charges$114,326$82,129▼ $32,197
Total Assets$89,119,624$93,251,356▲ $4,131,732
Other Assets Total$51,231$48,792▼ $2,439
Liabilities
Other Liabilities$73,610,430$77,519,771▲ $3,909,341
Accounts Payable and Accrued Expenses$1,494,098$1,269,996▼ $224,102
Total Liabilities$75,104,528$78,789,767▲ $3,685,239
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,015,096$14,461,589▲ $446,493
Total Liabilities and Net Assets / Fund Balance$89,119,624$93,251,356▲ $4,131,732

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$249,626$139,432$389,058
Investment Program Related Org$668,415--
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rex FairPresidentFT$116,528$14,682$131,210

Board Members and Trustees

NameTitle
Joe MangalChairman
James NickersonVice-Chair
Brian CychoszDirector
Dave AreyDirector
Harry RiceDirector
Jack EdgertonDirector
Sue KedrowskiDirector
Jim ZwickerSecretary
Mike BilbreyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,423,110
Investment Income
$292,375
Other Revenue
$0
Change in Net Assets
$446,493
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,153,965
Salaries, Compensation, and Employee Benefits$1,115,027
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$684,916
Other Employee Benefits---$313,583
Information Technology---$262,695
Current Officers, Directors, Trustees, and Key Employees---$116,528
Office Expenses---$66,714
All Other Expenses---$47,050
Advertising---$45,914
Depreciation Depletion---$31,425
Payments to Affiliates---$29,976
Occupancy---$28,800
Fees for Services Other---$27,696
Interest---$27,658
Insurance---$25,366
Other Expenses-$23,945-$23,945
Conferences and Meetings---$8,619
Fees for Services Accounting---$6,593
Fees for Services Legal---$1,725
Travel---$1,641
Total Functional Expenses$0$0$0$2,268,992
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$77,518,763
Accrued Dividends$1,008
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 organizations 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, Form 990 is reviewed by the 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

“They are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Sentry Credit Union
EIN
39-1429665
Address
1800 North Point Drive, Stevens Point, WI 54481

Signing Officer

Name
Rex Fair
Title
President
Phone
7153466534
Signed
2017-08-04
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
15
Volunteers
15

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
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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/RelatedOrExemptFuncIncomeAmt1217031
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2237741
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01962171
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1217031
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2237741
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt36167
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt06167
IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 6640 members at 12/31/16. During 2016, we opened 736 new deposit, transaction and investment accounts.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0220552
IRS990/PYOtherExpensesAmt01042517
IRS990/PYProgramServiceRevenueAmt02449385
IRS990/PYRevenuesLessExpensesAmt0543412
IRS990/PYSalariesCompEmpBnftPaidAmt01084008
IRS990/PYTotalExpensesAmt02126525
IRS990/PYTotalRevenueAmt02669937
IRS990/ReconcilationRevenueExpnssAmt0446493
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014015096
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014461589
IRS990/SavingsAndTempCashInvstGrp/BOYAmt027268544
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030413588
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0249626
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0139432
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0389058
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0724535
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt170483
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2668415
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1PSCU CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CCCU MCS & PCC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt077518763
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11008
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0249626
IRS990ScheduleD/TotalBookValueProgramRltdAmt01463433
IRS990ScheduleD/TotalLiabilityAmt077519771
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 governing body (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 as outlined in the organizations 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/ExplanationTxt3Upon completion, Form 990 is reviewed by the President.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A Conflict of Interest statement is signed annually by all officers, directors and employees. Any conflicts are resolved by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5They are available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt089119624
IRS990/TotalAssetsEOYAmt093251356
IRS990/TotalAssetsGrp/BOYAmt089119624
IRS990/TotalAssetsGrp/EOYAmt093251356
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02268992
IRS990/TotalGrossUBIAmt06167
IRS990/TotalLiabilitiesBOYAmt075104528
IRS990/TotalLiabilitiesEOYAmt078789767
IRS990/TotalLiabilitiesGrp/BOYAmt075104528
IRS990/TotalLiabilitiesGrp/EOYAmt078789767
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt014015096
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt014461589
IRS990/TotalOtherCompensationAmt014682
IRS990/TotalProgramServiceRevenueAmt02423110
IRS990/TotalReportableCompFromOrgAmt0116528
IRS990/TotalRevenueGrp/ExclusionAmt0292375
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02416943
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02715485
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06167
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt089119624
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt093251356
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt01641
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.sentrycu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Rex Fair
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07153466534
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-08-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Sentry Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SENT
ReturnHeader/Filer/EIN0391429665
ReturnHeader/Filer/USAddress/AddressLine1Txt01800 North Point Drive
ReturnHeader/Filer/USAddress/CityNm0Stevens Point
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054481
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392017272psx3hfs
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-09-29
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02017-09-29
ReturnHeader/FilingSecurityInformation/IPTm018:31:43
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W2313 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02017-09-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02017-09-29T17:03:18-04:00
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
$93,251,356
Liabilities
$78,789,767
Net assets
$14,461,589
Revenue
$2,715,485
Expenses
$2,268,992
Net income
$446,493
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.
2016Detailed filing. Detailed filing data is available for this year.$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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