Civic Intelligence

M G & E Credit Union

990 • Fiscal year 2016 • EIN 39-6052411

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 06, 2017

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

70th percentile

0.87x

Higher debt load relative to assets than 70% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

75th percentile

24.66x

Higher debt load relative to revenue than 75% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

80th percentile

12%

Higher net margin than 80% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

84th percentile

$52,378

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 41.6% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

96th percentile

13%

Faster asset growth than 96% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

85th percentile

5.5%

Faster revenue growth than 85% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$3,568,145

Up $408,475 (+13%) from 2015

Net Assets

Up

$461,780

Up $15,290 (+3.4%) from 2015

Liabilities

Up

$3,106,365

Up $393,185 (+14%) from 2015

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin80th percentile

Revenue

Up

$125,977

Up $6,549 (+5.5%) from 2015

Expenses

Up

$110,687

Up $7,768 (+7.5%) from 2015

Net Income

Down

$15,290

Down $1,219 (-7.4%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth96th 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

2016

Assets$3,568,145
Liabilities$3,106,365
Net Assets$461,780
Open 2016 Filing

Operations Trend

Revenue Growth85th 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

2016

Revenue$125,977
Expenses$110,687
Net Income$15,290
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 6, 2017
Return Version
2016v3.0
Gross Receipts
$125,977
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$2,522,661$2,625,973▲ $103,312
Savings and Temporary Cash Investments$443,851$761,036▲ $317,185
Rtn Earn Endowment Incm Other Fnds$446,490$461,780▲ $15,290
Cash and Non-Interest-Bearing Accounts$132,413$116,549▼ $15,864
Investments Program Related$53,688$55,773▲ $2,085
Prepaid Expenses and Deferred Charges$2,767$3,068▲ $301
Land, Buildings, and Equipment, Net$663$1,222▲ $559
Total Assets$3,159,670$3,568,145▲ $408,475
Other Assets Total$3,627$4,524▲ $897
Liabilities
Other Liabilities$2,707,470$3,100,834▲ $393,364
Accounts Payable and Accrued Expenses$5,710$5,531▼ $179
Total Liabilities$2,713,180$3,106,365▲ $393,185
Net Assets / Fund Balance
Total Net Assets Fund Balance$446,490$461,780▲ $15,290
Total Liabilities and Net Assets / Fund Balance$3,159,670$3,568,145▲ $408,475

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,222$38,354$39,576
Buildings-$20,288$20,288
Equipment-$14,216$14,216
Investment Program Related Org$23,700--
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eileen HarrisonPresidentFT$46,703$5,675$52,378

Board Members and Trustees

NameTitle
Daniel FeeneyChairman
Roger KarasekVice Chairman
Carmen CoatsDirector
Helen TaylorDirector
Leon EndresDirector
Mike SavageSecretary
Judy BishopTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$119,558
Investment Income
$6,419
Other Revenue
$0
Change in Net Assets
$15,290
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$72,053
Other Expenses$38,634
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---$46,703
Other Salaries and Wages---$12,909
Information Technology---$10,296
Office Expenses---$7,181
Other Employee Benefits---$6,017
Payroll Taxes---$4,573
Insurance---$3,718
Payments to Affiliates---$3,254
Conferences and Meetings---$2,811
Pension Plan Contributions---$1,851
Fees for Services Other---$1,723
Other Expenses-$1,144-$1,144
All Other Expenses---$918
Fees for Services Accounting---$900
Travel---$868
Depreciation Depletion---$589
Total Functional Expenses$0$0$0$110,687
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$3,100,682
Accrued Dividends$152
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
2017-11-06
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

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
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03159670
IRS990/TotalAssetsEOYAmt03568145
IRS990/TotalAssetsGrp/BOYAmt03159670
IRS990/TotalAssetsGrp/EOYAmt03568145
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0110687
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02713180
IRS990/TotalLiabilitiesEOYAmt03106365
IRS990/TotalLiabilitiesGrp/BOYAmt02713180
IRS990/TotalLiabilitiesGrp/EOYAmt03106365
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0446490
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0461780
IRS990/TotalOtherCompensationAmt05675
IRS990/TotalProgramServiceRevenueAmt0119558
IRS990/TotalReportableCompFromOrgAmt046703
IRS990/TotalRevenueGrp/ExclusionAmt06419
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0119558
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0125977
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03159670
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03568145
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0868
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Eileen Harrison
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06082551773
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-06
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392017310smthybd
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-11-06
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02017-11-06
ReturnHeader/FilingSecurityInformation/IPTm018:46:39
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/PreparationDt02017-11-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02017-11-06T18:42:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$3,568,145
Liabilities
$3,106,365
Net assets
$461,780
Revenue
$125,977
Expenses
$110,687
Net income
$15,290
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.
2016Detailed filing. Detailed filing data is available for this year.$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