Civic Intelligence

Empower Credit Union

990 • Fiscal year 2016 • EIN 39-1909991

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 10, 2017

Organization Profileempower-cu.org

View Organization Page

10635 W Greenfield AveWest Allis, WI 53214

(414) 988-6600

Siviq Scores

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

Liabilities / Assets

13th percentile

0.82x

Higher debt load relative to assets than 13% of similar nonprofits.

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

Liabilities / Revenue

76th percentile

23.15x

Higher debt load relative to revenue than 76% of similar nonprofits.

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

Net Margin

7th percentile

-6.3%

Higher net margin than 7% of similar nonprofits.

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

Top Officer Pay

49th percentile

$132,698

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

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

Asset Growth

3rd percentile

-4.8%

Faster asset growth than 3% of similar nonprofits.

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

Revenue Growth

19th percentile

-0.2%

Faster revenue growth than 19% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets13th percentile

Assets

Down

$92,753,919

Down $4,713,902 (-4.8%) from 2015

Net Assets

Down

$16,798,149

Down $188,559 (-1.1%) from 2015

Liabilities

Down

$75,955,770

Down $4,525,343 (-5.6%) from 2015

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin7th percentile

Revenue

Down

$3,280,755

Down $7,751 (-0.2%) from 2015

Expenses

Up

$3,488,884

Up $327,933 (+10%) from 2015

Net Income

Down

-$208,129

Down $335,684 (-263%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$150M$100M$50M$0Assets 2010: $120,543,742Liabilities 2010: $100,463,143Net Assets 2010: $20,080,5992010Assets 2011: $119,609,341Liabilities 2011: $100,799,593Net Assets 2011: $18,809,7482011Assets 2012: $111,260,107Liabilities 2012: $94,823,339Net Assets 2012: $16,436,7682012Assets 2013: $104,966,680Liabilities 2013: $88,666,474Net Assets 2013: $16,300,2062013Assets 2014: $102,783,287Liabilities 2014: $85,936,008Net Assets 2014: $16,847,2792014Assets 2015: $97,467,821Liabilities 2015: $80,481,113Net Assets 2015: $16,986,7082015Assets 2016: $92,753,919Liabilities 2016: $75,955,770Net Assets 2016: $16,798,1492016Assets 2017: $90,361,396Liabilities 2017: $73,114,740Net Assets 2017: $17,246,6562017Assets 2018: $85,455,412Liabilities 2018: $67,752,459Net Assets 2018: $17,702,9532018Assets 2019: $89,278,973Liabilities 2019: $71,300,524Net Assets 2019: $17,978,4492019Assets 2020: $93,983,871Liabilities 2020: $75,607,624Net Assets 2020: $18,376,2472020Assets 2021: $101,297,194Liabilities 2021: $82,946,587Net Assets 2021: $18,350,6072021Assets 2022: $98,901,660Liabilities 2022: $80,896,314Net Assets 2022: $18,005,3462022Assets 2023: $91,316,294Liabilities 2023: $73,153,161Net Assets 2023: $18,163,1332023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2016

Assets$92,753,919
Liabilities$75,955,770
Net Assets$16,798,149
Open 2016 Filing

Operations Trend

Revenue Growth19th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $7,289,7582010Expenses 2011: $4,785,3612011Expenses 2012: $7,920,9772012Revenue 2013: $3,613,630Expenses 2013: $3,570,895Net Income 2013: $42,7352013Revenue 2014: $3,587,764Expenses 2014: $3,317,340Net Income 2014: $270,4242014Revenue 2015: $3,288,506Expenses 2015: $3,160,951Net Income 2015: $127,5552015Revenue 2016: $3,280,755Expenses 2016: $3,488,884Net Income 2016: -$208,1292016Revenue 2017: $3,250,142Expenses 2017: $2,846,625Net Income 2017: $403,5172017Revenue 2018: $3,466,125Expenses 2018: $3,005,144Net Income 2018: $460,9812018Revenue 2019: $3,498,462Expenses 2019: $3,329,413Net Income 2019: $169,0492019Revenue 2020: $4,064,654Expenses 2020: $3,753,091Net Income 2020: $311,5632020Revenue 2021: $3,603,724Expenses 2021: $3,585,927Net Income 2021: $17,7972021Revenue 2022: $3,224,486Expenses 2022: $3,387,568Net Income 2022: -$163,0822022Revenue 2023: $4,064,738Expenses 2023: $3,954,477Net Income 2023: $110,2612023Revenue 2024: $4,398,382Expenses 2024: $4,959,501Net Income 2024: -$561,1192024

Highlighted filing

2016

Revenue$3,280,755
Expenses$3,488,884
Net Income-$208,129
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 10, 2017
Return Version
2016v3.0
Gross Receipts
$3,280,755
Mission and Program Overview

Mission

Promote thrift and responsible borrowing among our members.

Financial Services for employees, retirees and their families of WE Energies Corporation and its subsidiaries, also for anyone living or working in the Wisconsin counties of Milwaukee, Waukesha, Racine and Washington. Promoting thrift and responsible borrowing among our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$67,754,992$62,501,337▼ $5,253,655
Investments Other Securities$19,089,801$20,201,637▲ $1,111,836
Rtn Earn Endowment Incm Other Fnds$16,986,708$16,798,149▼ $188,559
Land, Buildings, and Equipment, Net$4,576,345$4,612,652▲ $36,307
Savings and Temporary Cash Investments$4,146,155$3,474,100▼ $672,055
Cash and Non-Interest-Bearing Accounts$858,390$862,069▲ $3,679
Prepaid Expenses and Deferred Charges$113,531$208,511▲ $94,980
Accounts Receivable$3,020$9,244▲ $6,224
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0--
Loans From Officers Directors-$0-
Total Assets$97,467,821$92,753,919▼ $4,713,902
Other Assets Total$925,587$884,369▼ $41,218
Liabilities
Other Liabilities$74,768,951$73,354,714▼ $1,414,237
Accounts Payable and Accrued Expenses$1,712,162$1,601,056▼ $111,106
Mortgage Notes Payable Secured by Investment Property$4,000,000$1,000,000▼ $3,000,000
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability-$0-
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$80,481,113$75,955,770▼ $4,525,343
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,986,708$16,798,149▼ $188,559
Total Liabilities and Net Assets / Fund Balance$97,467,821$92,753,919▼ $4,713,902

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,370,890$581,148$0
Other Land Buildings$0$0$0
Land$854,301-$0
Equipment$387,461$750,479$0
Leasehold Improvements$0$0$0
Financial Derivatives$20,201,637--
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer SchillingPresidentFT$128,810$3,888$132,698
Steven TeikenCFOFT$74,956$2,362$77,318
William FernChief Operatiing OfficerFT$69,151$2,098$71,249

Board Members and Trustees

NameTitle
Patrick LaskeChairman
Jared PeccarelliVice Chairman
Betty EzellBoard Member
Brian HeinzelmanBoard member
Joseph KopinskiBoard Member
Lynne EnglishSecretary
Todd GordonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,620,136
Investment Income
$304,460
Other Revenue
$356,159
Change in Net Assets
$-208,129

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,280,755
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$3,280,755
Total Revenue per Form 990
$3,280,755
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,395,538
Salaries, Compensation, and Employee Benefits$1,093,346
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Information Technology---$730,665
Other Salaries and Wages---$622,375
Office Expenses---$477,998
Interest---$293,963
Occupancy---$278,805
Current Officers, Directors, Trustees, and Key Employees---$272,917
Other Expenses---$150,195
Depreciation Depletion---$134,037
Other Employee Benefits---$110,855
Payroll Taxes---$64,836
Advertising---$55,597
All Other Expenses---$42,722
Insurance---$41,514
Fees for Services Legal---$30,511
Pension Plan Contributions---$22,363
Conferences and Meetings---$18,897
Fees for Services Accounting---$14,283
Fees for Service Investment Mgmnt Fees---$8,932
Total Functional Expenses$0$0$0$3,488,884

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,488,884
Total Expenses per Audited Statements$3,488,884
Total Expenses per Form 990$3,488,884
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees-$0-
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
IRA's and Certificates$27,081,261
Checking and Money Market$23,181,023
Savings$23,092,430
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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, Part VI, Section A, Line 6

“It is an credit union and has members.”

Form 990, Part VI, Section A, Line 7A

“The members of the organization elect the board members at the annual meeting.”

Form 990, Part VI, Section A, Line 7B

“Any By-Law change is required to have a member vote, at either the annual meeting or a special meeting.”

Form 990, Part VI, Section B, Line 11B

“The CFO completes the 990 and the President/CEO reviews it.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors uses the Wisconsin CU League wage survey to provide a guideline as to the compensation for the CEO. The CEO uses the same survey to determine the viability of the other key employees compensation.”

Form 990, Part VI, Section C, Line 19

“All public policies are available at the members request.”

Filing and Contact Details

Filer

Filer Name
Empower Credit Union
EIN
39-1909991
Phone
4149886600
Address
10635 W Greenfield Ave, West Allis, WI 53214

Signing Officer

Name
Steven Teiken
Title
CFO
Phone
4149886626
Signed
2017-11-10

Organization Details

Formed
1914
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
22
Volunteers
7
Raw XML AppendixShowing 400 of 485 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/LandBldgEquipAccumDeprecAmt01331627
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04576345
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04612652
IRS990/LandBldgEquipCostOrOtherBssAmt05944279
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt010970
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt010970
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Promote thrift and responsible borrowing among our members.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt04000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt01000000
IRS990/NetAssetsOrFundBalancesBOYAmt016986708
IRS990/NetAssetsOrFundBalancesEOYAmt016798149
IRS990/NetUnrelatedBusTxblIncmAmt019878
IRS990/NetUnrlzdGainsLossesInvstAmt019570
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0278805
IRS990/OfficeExpensesGrp/TotalAmt0477998
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0925587
IRS990/OtherAssetsTotalGrp/EOYAmt0884369
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0110855
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Outside Services
IRS990/OtherExpensesGrp/TotalAmt0117419
IRS990/OtherExpensesGrp/TotalAmt1150195
IRS990/OtherLiabilitiesGrp/BOYAmt074768951
IRS990/OtherLiabilitiesGrp/EOYAmt073354714
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/BusinessCd2522130
IRS990/OtherRevenueMiscGrp/Desc0Gain on Sale of Mortgages
IRS990/OtherRevenueMiscGrp/Desc1Member Interchange
IRS990/OtherRevenueMiscGrp/Desc2Income on Sale of Insurances
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/ExclusionAmt20
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0231183
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1102021
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0231183
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1102021
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt211985
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt211985
IRS990/OtherRevenueTotalAmt0356159
IRS990/OtherSalariesAndWagesGrp/TotalAmt0622375
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt067754992
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt062501337
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt064836
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt022363
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0113531
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0208511
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Empower Credit Union
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan interest income
IRS990/ProgramServiceRevenueGrp/Desc1Loan and Checking fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02299334
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1312909
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02299334
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1320802
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt17893
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0291945
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01920553
IRS990/PYOtherRevenueAmt0259087
IRS990/PYProgramServiceRevenueAmt02737474
IRS990/PYRevenuesLessExpensesAmt0127555
IRS990/PYSalariesCompEmpBnftPaidAmt01240398
IRS990/PYTotalExpensesAmt03160951
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03288506
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-208129
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016986708
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt016798149
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04146155
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03474100
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03370890
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0581148
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt03952038
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0387461
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0750479
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01137940
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03488884
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt020201637
IRS990ScheduleD/FinancialDerivativesGrp/MethodValuationCd0F
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0854301
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0854301
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt023181023
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt123092430
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt227081261
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Checking and Money Market
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Savings
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRA's and Certificates
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03280755
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04612652
IRS990ScheduleD/TotalBookValueSecuritiesAmt020201637
IRS990ScheduleD/TotalExpensesPerForm990Amt03488884
IRS990ScheduleD/TotalLiabilityAmt073354714
IRS990ScheduleD/TotalRevenuePerForm990Amt03280755
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03280755
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03488884
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0It is an credit union and has members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members of the organization elect the board members at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Any By-Law change is required to have a member vote, at either the annual meeting or a special meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The CFO completes the 990 and the President/CEO reviews it.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board of Directors uses the Wisconsin CU League wage survey to provide a guideline as to the compensation for the CEO. The CEO uses the same survey to determine the viability of the other key employees compensation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All public policies are available at the members request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$92,753,919
Liabilities
$75,955,770
Net assets
$16,798,149
Revenue
$3,280,755
Expenses
$3,488,884
Net income
-$208,129
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$4.40$4.96$0.56
2023Detailed filing. Detailed filing data is available for this year.$91.3$73.2$18.2$4.06$3.95$0.11
2022Detailed filing. Detailed filing data is available for this year.$98.9$80.9$18.0$3.22$3.39$0.16
2021Detailed filing. Detailed filing data is available for this year.$101$82.9$18.4$3.60$3.59$0.02
2020Detailed filing. Detailed filing data is available for this year.$94.0$75.6$18.4$4.06$3.75$0.31
2019Detailed filing. Detailed filing data is available for this year.$89.3$71.3$18.0$3.50$3.33$0.17
2018Detailed filing. Detailed filing data is available for this year.$85.5$67.8$17.7$3.47$3.01$0.46
2017Detailed filing. Detailed filing data is available for this year.$90.4$73.1$17.2$3.25$2.85$0.40
2016Detailed filing. Detailed filing data is available for this year.$92.8$76.0$16.8$3.28$3.49$0.21
2015Detailed filing. Detailed filing data is available for this year.$97.5$80.5$17.0$3.29$3.16$0.13
2014Detailed filing. Detailed filing data is available for this year.$103$85.9$16.8$3.59$3.32$0.27
2013Detailed filing. Detailed filing data is available for this year.$105$88.7$16.3$3.61$3.57$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$111$94.8$16.4$7.92
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$101$18.8$4.79
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$100$20.1$7.29