Civic Intelligence

Kenosha City Employees Credit Union

EIN 39-6047189 • 501(c)14 • Kenosha, WI

View Organization Page

Profile

None

625 52nd StreetKenosha, WI 53140

www.kensohacityecu.com

Siviq Scores

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

Liabilities / Assets

68th percentile

0.88x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

98th percentile

37.28x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2016

Net Margin

60th percentile

5.8%

Higher net margin than 60% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

57th percentile

$62,845

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 27.1% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2016

Asset Growth

61st percentile

0.8%

Faster asset growth than 61% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

38th percentile

1.8%

Faster revenue growth than 38% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$9,812,077

Up $80,521 (+0.8%) from 2015

Liabilities

Up

$8,631,992

Up $67,041 (+0.8%) from 2015

Net Assets

Up

$1,180,085

Up $13,480 (+1.2%) from 2015

Operations
Liabilities / Revenue98th percentileNet Margin60th percentile

Revenue

Up

$231,546

Up $4,038 (+1.8%) from 2015

Expenses

Down

$218,066

Down $121,381 (-36%) from 2015

Net Income

Up

$13,480

Up $125,419 (+112%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth61st percentile

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

$15M$10M$5.0M$0Assets 2010: $10,384,374Liabilities 2010: $9,071,321Net Assets 2010: $1,313,0532010Assets 2011: $10,687,700Liabilities 2011: $9,419,883Net Assets 2011: $1,267,8172011Assets 2012: $10,465,531Liabilities 2012: $9,215,987Net Assets 2012: $1,249,5442012Assets 2013: $10,346,727Liabilities 2013: $9,093,206Net Assets 2013: $1,253,5212013Assets 2014: $9,577,954Liabilities 2014: $8,299,410Net Assets 2014: $1,278,5442014Assets 2015: $9,731,556Liabilities 2015: $8,564,951Net Assets 2015: $1,166,6052015Assets 2016: $9,812,077Liabilities 2016: $8,631,992Net Assets 2016: $1,180,0852016

Highlighted filing

2016

Assets$9,812,077
Liabilities$8,631,992
Net Assets$1,180,085
Open 2016 Filing

Operations Trend

Revenue Growth38th percentile

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

$400K$200K$0-$200KExpenses 2010: $368,1172010Expenses 2011: $315,7252011Revenue 2012: $228,002Expenses 2012: $246,275Net Income 2012: -$18,2732012Revenue 2013: $227,291Expenses 2013: $223,314Net Income 2013: $3,9772013Revenue 2014: $247,024Expenses 2014: $222,001Net Income 2014: $25,0232014Revenue 2015: $227,508Expenses 2015: $339,447Net Income 2015: -$111,9392015Revenue 2016: $231,546Expenses 2016: $218,066Net Income 2016: $13,4802016

Highlighted filing

2016

Revenue$231,546
Expenses$218,066
Net Income$13,480
Open 2016 Filing

Filings

Most recent year

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

Open filing
Assets
$9,812,077
Liabilities
$8,631,992
Net assets
$1,180,085
Revenue
$231,546
Expenses
$218,066
Net income
$13,480
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$9.81$8.63$1.18$0.23$0.22$0.01
2015Detailed filing. Detailed filing data is available for this year.$9.73$8.56$1.17$0.23$0.34$0.11
2014Detailed filing. Detailed filing data is available for this year.$9.58$8.30$1.28$0.25$0.22$0.03
2013Detailed filing. Detailed filing data is available for this year.$10.3$9.09$1.25$0.23$0.22$0.00
2012Summary only. Only limited summary data is available for this year.$10.5$9.22$1.25$0.23$0.25$0.02
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$9.42$1.27$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$9.07$1.31$0.37
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 11, 2017
Return Version
2016v3.0
Gross Receipts
$231,546
Mission and Program Overview

Mission

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$7,563,948$7,673,579▲ $109,631
Other Notes and Loans Receivable, Net$1,523,374$1,518,808▼ $4,566
Rtn Earn Endowment Incm Other Fnds$1,166,605$1,180,085▲ $13,480
Cash and Non-Interest-Bearing Accounts$441,334$409,699▼ $31,635
Investments Program Related$162,253$165,128▲ $2,875
Prepaid Expenses and Deferred Charges$16,535$23,948▲ $7,413
Land, Buildings, and Equipment, Net$3,314$2,003▼ $1,311
Total Assets$9,731,556$9,812,077▲ $80,521
Other Assets Total$20,798$18,912▼ $1,886
Liabilities
Other Liabilities$8,559,418$8,622,671▲ $63,253
Accounts Payable and Accrued Expenses$5,533$9,321▲ $3,788
Total Liabilities$8,564,951$8,631,992▲ $67,041
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,166,605$1,180,085▲ $13,480
Total Liabilities and Net Assets / Fund Balance$9,731,556$9,812,077▲ $80,521

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,739$102,281$104,020
Equipment$264$18,220$18,484
Leasehold Improvements-$6,088$6,088
Investment Program Related Org$80,158--
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kimberly GrangerPresidentFT$61,281$1,564$62,845

Board Members and Trustees

NameTitle
Mary Kay SchmidtChair
Keir PowellVice-Chair
Kelly AndreoliDirector
Lin Swartz-TruesdellDirector
Nina MillsapsDirector
Paula LattergrassSecretary
Marco GieseTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$3,500
Program Service Revenue
$113,052
Investment Income
$113,336
Other Revenue
$1,658
All Other Contributions
$3,500
Change in Net Assets
$13,480
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$116,290
Other Expenses$101,776
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$61,281
Other Salaries and Wages---$42,682
Information Technology---$14,202
Office Expenses---$9,019
Payroll Taxes---$8,182
Insurance---$7,683
Payments to Affiliates---$6,673
Fees for Services Other---$6,238
Fees for Service Investment Mgmnt Fees---$5,578
Occupancy---$4,766
Pension Plan Contributions---$3,820
Fees for Services Accounting---$2,933
All Other Expenses---$2,912
Depreciation Depletion---$1,839
Advertising---$646
Other Employee Benefits---$325
Other Expenses-$-13,350-$-13,350
Total Functional Expenses$0$0$0$218,066
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
Member Shares & Deposits$8,622,361
Accrued Dividends$310
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 request at special meeting”

Governing documents etc available to public Part VI line 19

“Upon Request”

Filing and Contact Details

Filer

Filer Name
Kenosha City Employees Credit Union
EIN
39-6047189
Address
625 52nd Street, Kenosha, WI 53140

Signing Officer

Name
Kimberly Granger
Title
President
Phone
2626581500
Signed
2017-04-11
Discuss with paid preparer
No

Organization Details

Principal Officer
Kimberly Granger
Formed
1935
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
0
Employees
3
Volunteers
7

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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IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01739
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0102281
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0104020
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08622361
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1310
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02003
IRS990ScheduleD/TotalBookValueProgramRltdAmt0165128
IRS990ScheduleD/TotalLiabilityAmt08622671
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 request at special meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Upon 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/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt09731556
IRS990/TotalAssetsEOYAmt09812077
IRS990/TotalAssetsGrp/BOYAmt09731556
IRS990/TotalAssetsGrp/EOYAmt09812077
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt03500
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0218066
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08564951
IRS990/TotalLiabilitiesEOYAmt08631992
IRS990/TotalLiabilitiesGrp/BOYAmt08564951
IRS990/TotalLiabilitiesGrp/EOYAmt08631992
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01166605
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01180085
IRS990/TotalOtherCompensationAmt01564
IRS990/TotalProgramServiceRevenueAmt0113052
IRS990/TotalReportableCompFromOrgAmt061281
IRS990/TotalRevenueGrp/ExclusionAmt0114994
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0113052
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0231546
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09731556
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt09812077
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.kensohacityecu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Kimberly Granger
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02626581500
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Kenosha City Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0KENO
ReturnHeader/Filer/EIN0396047189
ReturnHeader/Filer/USAddress/AddressLine1Txt0625 52nd Street
ReturnHeader/Filer/USAddress/CityNm0Kenosha
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd053140
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId039223920171084kkcuo1
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-04-18
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02017-04-18
ReturnHeader/FilingSecurityInformation/IPTm020:03:17
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/PreparationDt02017-04-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02017-04-18T18:24:18-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

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