Civic Intelligence

M G & E Credit Union

990 • Fiscal year 2015 • EIN 39-6052411

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 10, 2016

Organization ProfileN/A
PO Box 8601Madison, WI 53708

(608) 255-1773

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.86x

Higher debt load relative to assets than 63% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

71st percentile

22.72x

Higher debt load relative to revenue than 71% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

80th percentile

14%

Higher net margin than 80% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

84th percentile

$55,298

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 46.3% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

83rd percentile

5.9%

Faster asset growth than 83% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

66th percentile

2.3%

Faster revenue growth than 66% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets63rd percentile

Assets

$3,159,670

No earlier filing loaded for comparison.

Net Assets

$446,490

No earlier filing loaded for comparison.

Liabilities

$2,713,180

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin80th percentile

Revenue

$119,428

No earlier filing loaded for comparison.

Expenses

$102,919

No earlier filing loaded for comparison.

Net Income

$16,509

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $2,996,476Liabilities 2010: $2,557,320Net Assets 2010: $439,1562010Assets 2011: $3,015,665Liabilities 2011: $2,595,759Net Assets 2011: $419,9062011Assets 2012: $2,942,785Liabilities 2012: $2,520,440Net Assets 2012: $422,3452012Assets 2013: $2,950,768Liabilities 2013: $2,524,859Net Assets 2013: $425,9092013Assets 2015: $3,159,670Liabilities 2015: $2,713,180Net Assets 2015: $446,4902015Assets 2016: $3,568,145Liabilities 2016: $3,106,365Net Assets 2016: $461,7802016Assets 2018: $3,196,560Liabilities 2018: $2,702,794Net Assets 2018: $493,7662018Assets 2019: $3,088,618Liabilities 2019: $2,582,387Net Assets 2019: $506,2312019Assets 2020: $3,197,041Liabilities 2020: $2,686,431Net Assets 2020: $510,6102020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2015

Assets$3,159,670
Liabilities$2,713,180
Net Assets$446,490
Open 2015 Filing

Operations Trend

Revenue Growth66th percentile

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

$400K$200K$0-$200KExpenses 2010: $182,3092010Expenses 2011: $173,3532011Revenue 2012: $134,264Expenses 2012: $130,541Net Income 2012: $3,7232012Revenue 2013: $125,243Expenses 2013: $127,291Net Income 2013: -$2,0482013Revenue 2015: $119,428Expenses 2015: $102,919Net Income 2015: $16,5092015Revenue 2016: $125,977Expenses 2016: $110,687Net Income 2016: $15,2902016Revenue 2018: $131,833Expenses 2018: $120,505Net Income 2018: $11,3282018Revenue 2019: $137,794Expenses 2019: $127,721Net Income 2019: $10,0732019Revenue 2020: $120,536Expenses 2020: $116,157Net Income 2020: $4,3792020Revenue 2021: $58,211Expenses 2021: $250,307Net Income 2021: -$192,0962021

Highlighted filing

2015

Revenue$119,428
Expenses$102,919
Net Income$16,509
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 10, 2016
Return Version
2015v2.1
Gross Receipts
$119,428
Mission and Program Overview

Mission

Our mission is to provide prompt, competitive, quality financial services to our members in a friendly and professional manner while maintaining sound growth and financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,205,958$2,522,661▲ $316,703
Rtn Earn Endowment Incm Other Fnds$429,981$446,490▲ $16,509
Savings and Temporary Cash Investments$470,567$443,851▼ $26,716
Cash and Non-Interest-Bearing Accounts$246,224$132,413▼ $113,811
Investments Program Related$53,364$53,688▲ $324
Prepaid Expenses and Deferred Charges$3,093$2,767▼ $326
Land, Buildings, and Equipment, Net$1,018$663▼ $355
Total Assets$2,983,397$3,159,670▲ $176,273
Other Assets Total$3,173$3,627▲ $454
Liabilities
Other Liabilities$2,547,891$2,707,470▲ $159,579
Accounts Payable and Accrued Expenses$5,525$5,710▲ $185
Total Liabilities$2,553,416$2,713,180▲ $159,764
Net Assets / Fund Balance
Total Net Assets Fund Balance$429,981$446,490▲ $16,509
Total Liabilities and Net Assets / Fund Balance$2,983,397$3,159,670▲ $176,273

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$663$37,765$38,428
Buildings-$20,288$20,288
Equipment-$14,216$14,216
Investment Program Related Org$23,211--
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eileen HarrisonPresidentFT$46,568$8,730$55,298

Board Members and Trustees

NameTitle
Dniel FeeneyChairman
Roger KarasekVice Chairman
Helen TaylorDirector
Leon EndresDirector
Mike SavageDirector
Tim HughesSecretary
Judy BishopTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$115,288
Investment Income
$4,140
Other Revenue
$0
Change in Net Assets
$16,509
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$65,921
Other Expenses$36,998
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$46,568
Information Technology---$10,296
Office Expenses---$8,996
Other Salaries and Wages---$7,107
Other Employee Benefits---$6,258
Payroll Taxes---$4,141
Insurance---$3,515
Payments to Affiliates---$3,080
Conferences and Meetings---$2,680
Pension Plan Contributions---$1,847
Fees for Services Other---$1,349
All Other Expenses---$914
Fees for Services Accounting---$900
Travel---$715
Depreciation Depletion---$354
Other Expenses-$-6,088-$-6,088
Total Functional Expenses$0$0$0$102,919
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
SharesDeposits$2,707,316
Accrued Dividends$154
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

“Management & the BOD reviews the prepared 990 before it is filed.”

Governing documents etc available to public Part VI line 19

“Made available upon request.”

Filing and Contact Details

Filer

Filer Name
M G & E Credit Union
EIN
39-6052411
Address
PO BOX 8601, Madison, WI 53708

Signing Officer

Name
Eileen Harrison
Title
President
Phone
6082551773
Signed
2016-08-10
Discuss with paid preparer
No

Organization Details

Principal Officer
Eileen Harrison
Formed
1933
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
4
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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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/ExplanationTxt3Management & the BOD reviews the prepared 990 before it is filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Made available 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/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/TotalAssetsBOYAmt02983397
IRS990/TotalAssetsEOYAmt03159670
IRS990/TotalAssetsGrp/BOYAmt02983397
IRS990/TotalAssetsGrp/EOYAmt03159670
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0102919
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02553416
IRS990/TotalLiabilitiesEOYAmt02713180
IRS990/TotalLiabilitiesGrp/BOYAmt02553416
IRS990/TotalLiabilitiesGrp/EOYAmt02713180
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0429981
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0446490
IRS990/TotalOtherCompensationAmt08730
IRS990/TotalProgramServiceRevenueAmt0115288
IRS990/TotalReportableCompFromOrgAmt046568
IRS990/TotalRevenueGrp/ExclusionAmt04140
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0115288
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0119428
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02983397
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03159670
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0715
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Eileen Harrison
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06082551773
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-08-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0M G & E Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MG&E
ReturnHeader/Filer/EIN0396052411
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 8601
ReturnHeader/Filer/USAddress/CityNm0Madison
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd053708
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/PreparationDt02016-08-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02016-08-12T17:06:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,159,670
Liabilities
$2,713,180
Net assets
$446,490
Revenue
$119,428
Expenses
$102,919
Net income
$16,509
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.06$0.25$0.19
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.20$2.69$0.51$0.12$0.12$0.00
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.09$2.58$0.51$0.14$0.13$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.20$2.70$0.49$0.13$0.12$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.57$3.11$0.46$0.13$0.11$0.02
2015Detailed filing. Detailed filing data is available for this year.$3.16$2.71$0.45$0.12$0.10$0.02
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2013Detailed filing. Detailed filing data is available for this year.$2.95$2.52$0.43$0.13$0.13$0.00
2012Summary only. Only limited summary data is available for this year.$2.94$2.52$0.42$0.13$0.13$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.02$2.60$0.42$0.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.00$2.56$0.44$0.18