Civic Intelligence

Air Tech Credit Union

990 • Fiscal year 2013 • EIN 39-6055625

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 16, 2014

Organization Profile
1919 East Grange AvenueMilwaukee, WI 53207

(414) 744-1325

Siviq Scores

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

Liabilities / Assets

51st percentile

0.84x

Higher debt load relative to assets than 51% of similar nonprofits.

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

Liabilities / Revenue

78th percentile

24.78x

Higher debt load relative to revenue than 78% of similar nonprofits.

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

Net Margin

62nd percentile

4.3%

Higher net margin than 62% of similar nonprofits.

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

Top Officer Pay

56th percentile

$33,761

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 26.9% of source-year revenue.

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

Asset Growth

28th percentile

-4.1%

Faster asset growth than 28% of similar nonprofits.

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

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets51st percentile

Assets

Down

$3,721,607

Down $157,217 (-4.1%) from 2012

Net Assets

Up

$608,362

Up $4,201 (+0.7%) from 2012

Liabilities

Down

$3,113,245

Down $161,418 (-4.9%) from 2012

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin62nd percentile

Revenue

$125,642

No earlier filing loaded for comparison.

Expenses

Down

$120,222

Down $11,021 (-8.4%) from 2012

Net Income

$5,420

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth28th 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: $3,787,582Liabilities 2010: $3,178,997Net Assets 2010: $608,5852010Assets 2011: $3,896,889Liabilities 2011: $3,293,946Net Assets 2011: $602,9432011Assets 2012: $3,878,824Liabilities 2012: $3,274,663Net Assets 2012: $604,1612012Assets 2013: $3,721,607Liabilities 2013: $3,113,245Net Assets 2013: $608,3622013Assets 2014: $3,784,951Liabilities 2014: $3,180,178Net Assets 2014: $604,7732014Assets 2015: $3,843,622Liabilities 2015: $3,240,516Net Assets 2015: $603,1062015Assets 2016: $3,350,915Liabilities 2016: $2,749,709Net Assets 2016: $601,2062016Assets 2017: $3,302,232Liabilities 2017: $2,700,564Net Assets 2017: $601,6682017Assets 2018: $3,236,242Liabilities 2018: $2,634,074Net Assets 2018: $602,1682018Assets 2019: $3,339,325Liabilities 2019: $2,717,818Net Assets 2019: $621,5072019Assets 2020: $3,201,529Liabilities 2020: $2,575,880Net Assets 2020: $625,6492020Assets 2021: $3,158,624Liabilities 2021: $2,544,264Net Assets 2021: $614,3602021Assets 2022: $2,992,790Liabilities 2022: $2,403,157Net Assets 2022: $589,6332022Assets 2023: $3,086,871Liabilities 2023: $2,506,761Net Assets 2023: $580,1102023Assets 2024: $2,366,022Liabilities 2024: $1,780,882Net Assets 2024: $585,1402024

Highlighted filing

2013

Assets$3,721,607
Liabilities$3,113,245
Net Assets$608,362
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$200K$150K$100K$50K$0-$50KExpenses 2010: $165,4402010Expenses 2011: $154,7302011Expenses 2012: $131,2432012Revenue 2013: $125,642Expenses 2013: $120,222Net Income 2013: $5,4202013Revenue 2014: $122,196Expenses 2014: $120,366Net Income 2014: $1,8302014Revenue 2015: $124,351Expenses 2015: $124,188Net Income 2015: $1632015Revenue 2016: $110,580Expenses 2016: $112,480Net Income 2016: -$1,9002016Revenue 2017: $98,187Expenses 2017: $97,725Net Income 2017: $4622017Revenue 2018: $111,133Expenses 2018: $108,212Net Income 2018: $2,9212018Revenue 2019: $121,921Expenses 2019: $102,582Net Income 2019: $19,3392019Revenue 2020: $102,586Expenses 2020: $98,444Net Income 2020: $4,1422020Revenue 2021: $73,618Expenses 2021: $84,907Net Income 2021: -$11,2892021Revenue 2022: $70,965Expenses 2022: $95,691Net Income 2022: -$24,7262022Revenue 2023: $90,934Expenses 2023: $100,457Net Income 2023: -$9,5232023Revenue 2024: $101,815Expenses 2024: $96,785Net Income 2024: $5,0302024

Highlighted filing

2013

Revenue$125,642
Expenses$120,222
Net Income$5,420
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 16, 2014
Return Version
2013v3.1
Gross Receipts
$125,642
Mission and Program Overview

Mission

none

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,057,932$2,102,902▲ $44,970
Savings and Temporary Cash Investments$1,703,292$1,467,824▼ $235,468
Rtn Earn Endowment Incm Other Fnds$604,161$608,362▲ $4,201
Cash and Non-Interest-Bearing Accounts$99,280$136,043▲ $36,763
Land, Buildings, and Equipment, Net$16,010$12,290▼ $3,720
Prepaid Expenses and Deferred Charges$2,310$2,548▲ $238
Total Assets$3,878,824$3,721,607▼ $157,217
Liabilities
Other Liabilities$3,263,414$3,106,935▼ $156,479
Accounts Payable and Accrued Expenses$11,249$6,310▼ $4,939
Total Liabilities$3,274,663$3,113,245▼ $161,418
Net Assets / Fund Balance
Total Net Assets Fund Balance$604,161$608,362▲ $4,201
Total Liabilities and Net Assets / Fund Balance$3,878,824$3,721,607▼ $157,217

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$12,290$42,974$55,264
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseTotal
John RicePresidentPT$33,761$33,761

Board Members and Trustees

NameTitle
Martin MahnChairman
John McCoyVice-Chair
Matt KuspaDirector
Michael NuofferDirector
William RebholzDirector
Dalelynn LombardoSecretary
Thomas HoppeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$111,106
Investment Income
$14,536
Other Revenue
$0
Change in Net Assets
$5,420
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$61,299
Salaries, Compensation, and Employee Benefits$58,923
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---$33,761
Other Salaries and Wages---$20,299
Office Expenses---$14,851
Information Technology---$12,564
Insurance---$9,150
Payroll Taxes---$4,663
Depreciation Depletion---$3,720
Payments to Affiliates---$3,460
Other Expenses-$2,630-$2,630
Conferences and Meetings---$2,420
All Other Expenses---$1,780
Fees for Services Accounting---$1,376
Fees for Service Investment Mgmnt Fees---$1,189
Pension Plan Contributions---$200
Total Functional Expenses$0$0$0$120,222
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 SharesCertificates$3,106,935
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
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

“Form 990 is presented at the Board of Directors Meeting.”

Conflict of interest policy compliance Part VI line 12C

“Internal Audit Committee monitors compliance.”

CEO executive director top management comp Part VI line 15A

“Documentation is noted in the Board of Directors.”

Governing documents etc available to public Part VI line 19

“Financial statements are posted in the lobby on the bulletin board of the credit union. Other policies are available upon request.”

Filing and Contact Details

Filer

EIN
39-6055625

Signing Officer

Name
John Rice
Title
President
Phone
4147441325
Signed
2014-04-16
Discuss with paid preparer
No

Organization Details

Principal Officer
John Rice
Formed
1957
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
15

Preparer

Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix332 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/ExplanationTxt3Form 990 is presented at the Board of Directors Meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Internal Audit Committee monitors compliance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Documentation is noted in the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financial statements are posted in the lobby on the bulletin board of the credit union. Other policies are 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/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03878824
IRS990/TotalAssetsEOYAmt03721607
IRS990/TotalAssetsGrp/BOYAmt03878824
IRS990/TotalAssetsGrp/EOYAmt03721607
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0120222
IRS990/TotalGrossUBIAmt0161
IRS990/TotalLiabilitiesBOYAmt03274663
IRS990/TotalLiabilitiesEOYAmt03113245
IRS990/TotalLiabilitiesGrp/BOYAmt03274663
IRS990/TotalLiabilitiesGrp/EOYAmt03113245
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0604161
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0608362
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0111106
IRS990/TotalReportableCompFromOrgAmt033761
IRS990/TotalRevenueGrp/ExclusionAmt014536
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0110945
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0125642
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0161
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03878824
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03721607
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0John Rice
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum04147441325
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-16
ReturnHeader/Filer/BusinessName/BusinessNameLine10Air Tech Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0AIRT
ReturnHeader/Filer/EIN0396055625
ReturnHeader/Filer/USAddress/AddressLine101919 East Grange Avenue
ReturnHeader/Filer/USAddress/City0Milwaukee
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode053207
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/PreparationDt02014-04-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-04-28T09:21:12-05:00
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
$3,721,607
Liabilities
$3,113,245
Net assets
$608,362
Revenue
$125,642
Expenses
$120,222
Net income
$5,420
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.37$1.78$0.59$0.10$0.10$0.01
2023Detailed filing. Detailed filing data is available for this year.$3.09$2.51$0.58$0.09$0.10$0.01
2022Detailed filing. Detailed filing data is available for this year.$2.99$2.40$0.59$0.07$0.10$0.02
2021Detailed filing. Detailed filing data is available for this year.$3.16$2.54$0.61$0.07$0.08$0.01
2020Detailed filing. Detailed filing data is available for this year.$3.20$2.58$0.63$0.10$0.10$0.00
2019Detailed filing. Detailed filing data is available for this year.$3.34$2.72$0.62$0.12$0.10$0.02
2018Detailed filing. Detailed filing data is available for this year.$3.24$2.63$0.60$0.11$0.11$0.00
2017Detailed filing. Detailed filing data is available for this year.$3.30$2.70$0.60$0.10$0.10$0.00
2016Detailed filing. Detailed filing data is available for this year.$3.35$2.75$0.60$0.11$0.11$0.00
2015Detailed filing. Detailed filing data is available for this year.$3.84$3.24$0.60$0.12$0.12$0.00
2014Detailed filing. Detailed filing data is available for this year.$3.78$3.18$0.60$0.12$0.12$0.00
2013Detailed filing. Detailed filing data is available for this year.$3.72$3.11$0.61$0.13$0.12$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.88$3.27$0.60$0.13
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.90$3.29$0.60$0.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.79$3.18$0.61$0.17
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $1M-$5M nonprofits