Civic Intelligence

Unknown Organization

990 • Fiscal year 2012 • EIN 39-6050321

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 09, 2013

PO Box 1903354307
Siviq Scores

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

Liabilities / Assets

31st percentile

0.76x

Higher debt load relative to assets than 31% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

9th percentile

-7.0%

Faster asset growth than 9% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Down

$1,935,467

Down $146,751 (-7.0%) from 2011

Net Assets

Up

$456,956

Up $313 (+0.1%) from 2011

Liabilities

Down

$1,478,511

Down $147,064 (-9.0%) from 2011

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$76,316

Down $9,862 (-11%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2010: $2,174,949Liabilities 2010: $1,719,276Net Assets 2010: $455,6732010Assets 2011: $2,082,218Liabilities 2011: $1,625,575Net Assets 2011: $456,6432011Assets 2012: $1,935,467Liabilities 2012: $1,478,511Net Assets 2012: $456,9562012Assets 2013: $0Liabilities 2013: $0Net Assets 2013: $02013

Highlighted filing

2012

Assets$1,935,467
Liabilities$1,478,511
Net Assets$456,956

Operations Trend

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

$100K$50K$0-$50KExpenses 2010: $97,5782010Expenses 2011: $86,1782011Expenses 2012: $76,3162012Revenue 2013: $64,760Expenses 2013: $68,324Net Income 2013: -$3,5642013

Highlighted filing

2012

Revenue-
Expenses$76,316
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 9, 2013
Return Version
2012v2.1
Gross Receipts
$76,629
Mission and Program Overview

Mission

None

Major Activities

Activity 2
We funded 67 loans during 2012. As of 12/31/12, we had 11 mortgages/home equity and 130 consumer loans.
Filing and Contact Details

Filer

EIN
39-6050321
Raw XML Appendix333 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/Form990PartVIISectionA/NamePerson5Mike Delvaux
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IRS990/Form990PartVIISectionA/Title0Chair
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IRS990/Form990PartVIISectionA/Title2Director
IRS990/Form990PartVIISectionA/Title3Secretary
IRS990/Form990PartVIISectionA/Title4Vice-Chair
IRS990/Form990PartVIISectionA/Title5Director
IRS990/Form990PartVIISectionA/Title6PresTreas
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IRS990ScheduleO/GeneralExplanation/Explanation0The 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/GeneralExplanation/Explanation1The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/GeneralExplanation/Explanation2Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization9s 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/GeneralExplanation/Explanation3Form 990 will be reviewed at Board Meeting
IRS990ScheduleO/GeneralExplanation/Explanation4Averages are taken from WCUL Compensation survey when raises are considered. History is used for new employees. Board approval is necessary.
IRS990ScheduleO/GeneralExplanation/Explanation5Averages are taken from WCUL Compensation survey when raises are considered. History is used for new employees. Board approval is necessary.
IRS990ScheduleO/GeneralExplanation/Explanation6Financial statements are posted quarterly on bulletin boards available to members.
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IRS990ScheduleO/GeneralExplanation/ReturnReference1Member election for additional members Part VI line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference2Governing body decisions Part VI line 7b
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IRS990ScheduleO/GeneralExplanation/ReturnReference4CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/GeneralExplanation/ReturnReference5Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/GeneralExplanation/ReturnReference6Governing documents etc available to public Part VI line 19
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IRS990/YearFormation01932
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0396050321
ReturnHeader/Filer/Name/BusinessNameLine10G B C I Credit Union
ReturnHeader/Filer/NameControl0GBCI
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 19033
ReturnHeader/Filer/USAddress/City0Green Bay
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054307
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02013-04-09
ReturnHeader/Officer/Name0Richard DeBoth
ReturnHeader/Officer/Phone09204363299
ReturnHeader/Officer/Title0President
ReturnHeader/Preparer/DatePrepared02013-05-13
ReturnHeader/PreparerFirm/EIN0391127312
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Pewaukee
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode053072
ReturnHeader/Preparer/Name0Cari Thompson
ReturnHeader/Preparer/Phone02625490200
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-13T18:06:06-05:00

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