Civic Intelligence

M G & E Credit Union

990 • Fiscal year 2013 • EIN 39-6052411

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 14, 2014

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

58th percentile

0.86x

Higher debt load relative to assets than 58% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

62nd percentile

20.16x

Higher debt load relative to revenue than 62% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

36th percentile

-1.6%

Higher net margin than 36% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

82nd percentile

$54,731

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 43.7% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

53rd percentile

0.3%

Faster asset growth than 53% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

26th percentile

-6.7%

Faster revenue growth than 26% of similar nonprofits.

2013 filings • $1M-$5M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$2,950,768

Up $7,983 (+0.3%) from 2012

Net Assets

Up

$425,909

Up $3,564 (+0.8%) from 2012

Liabilities

Up

$2,524,859

Up $4,419 (+0.2%) from 2012

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin36th percentile

Revenue

Down

$125,243

Down $9,021 (-6.7%) from 2012

Expenses

Down

$127,291

Down $3,250 (-2.5%) from 2012

Net Income

Down

-$2,048

Down $5,771 (-155%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth53rd 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

2013

Assets$2,950,768
Liabilities$2,524,859
Net Assets$425,909
Open 2013 Filing

Operations Trend

Revenue Growth26th 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

2013

Revenue$125,243
Expenses$127,291
Net Income-$2,048
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 14, 2014
Return Version
2013v3.1
Gross Receipts
$125,615
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$2,229,966$2,241,308▲ $11,342
Rtn Earn Endowment Incm Other Fnds$422,345$425,909▲ $3,564
Savings and Temporary Cash Investments$448,026$405,008▼ $43,018
Cash and Non-Interest-Bearing Accounts$199,909$239,847▲ $39,938
Investments Program Related$54,012$53,328▼ $684
Prepaid Expenses and Deferred Charges$6,701$3,447▼ $3,254
Land, Buildings, and Equipment, Net$938$1,297▲ $359
Total Assets$2,942,785$2,950,768▲ $7,983
Other Assets Total$3,233$6,533▲ $3,300
Liabilities
Other Liabilities$2,512,226$2,515,584▲ $3,358
Accounts Payable and Accrued Expenses$8,214$9,275▲ $1,061
Total Liabilities$2,520,440$2,524,859▲ $4,419
Net Assets / Fund Balance
Total Net Assets Fund Balance$422,345$425,909▲ $3,564
Total Liabilities and Net Assets / Fund Balance$2,942,785$2,950,768▲ $7,983

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,297$37,132$38,429
Buildings-$20,288$20,288
Equipment-$14,235$14,235
Investment Program Related Org$23,211--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eileen HarrisonPresidentFT$46,559$8,172$54,731

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$124,019
Investment Income
$1,224
Other Revenue
$0
Change in Net Assets
$-2,048
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$80,940
Other Expenses$46,351
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---$46,559
Other Salaries and Wages---$20,527
Information Technology---$10,917
Office Expenses---$7,525
Other Employee Benefits---$6,692
Conferences and Meetings---$6,471
Payroll Taxes---$5,323
Insurance---$3,463
Payments to Affiliates---$3,173
Other Expenses-$2,848-$2,848
Fees for Services Other---$2,556
Pension Plan Contributions---$1,839
Advertising---$857
Travel---$792
Fees for Services Accounting---$736
Depreciation Depletion---$618
All Other Expenses---$453
Total Functional Expenses$0$0$0$127,291
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$2,515,342
Accrued Dividends$242
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 organization's 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

EIN
39-6052411

Signing Officer

Name
Eileen Harrison
Title
President
Phone
6082551773
Signed
2014-10-14
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
2
Volunteers
7

Preparer

Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix353 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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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 organization's 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/TotalAssetsBOYAmt02942785
IRS990/TotalAssetsEOYAmt02950768
IRS990/TotalAssetsGrp/BOYAmt02942785
IRS990/TotalAssetsGrp/EOYAmt02950768
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0127291
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02520440
IRS990/TotalLiabilitiesEOYAmt02524859
IRS990/TotalLiabilitiesGrp/BOYAmt02520440
IRS990/TotalLiabilitiesGrp/EOYAmt02524859
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0422345
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0425909
IRS990/TotalOtherCompensationAmt08172
IRS990/TotalProgramServiceRevenueAmt0124019
IRS990/TotalReportableCompFromOrgAmt046559
IRS990/TotalRevenueGrp/ExclusionAmt01224
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0124019
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0125243
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02942785
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02950768
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0792
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Eileen Harrison
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06082551773
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10M G & E Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MG&E
ReturnHeader/Filer/EIN0396052411
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 8601
ReturnHeader/Filer/USAddress/City0Madison
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053708
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-11-11T15:24:27-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,950,768
Liabilities
$2,524,859
Net assets
$425,909
Revenue
$125,243
Expenses
$127,291
Net income
-$2,048
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