Civic Intelligence

Air Tech Credit Union

990 • Fiscal year 2016 • EIN 39-6055625

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 04, 2017

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

48th percentile

0.82x

Higher debt load relative to assets than 48% of similar nonprofits.

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

Liabilities / Revenue

75th percentile

24.87x

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

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

Net Margin

31st percentile

-1.7%

Higher net margin than 31% of similar nonprofits.

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

Top Officer Pay

38th percentile

$19,746

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 17.9% of source-year revenue.

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

Asset Growth

8th percentile

-13%

Faster asset growth than 8% of similar nonprofits.

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

Revenue Growth

16th percentile

-11%

Faster revenue growth than 16% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets48th percentile

Assets

Down

$3,350,915

Down $492,707 (-13%) from 2015

Net Assets

Down

$601,206

Down $1,900 (-0.3%) from 2015

Liabilities

Down

$2,749,709

Down $490,807 (-15%) from 2015

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin31st percentile

Revenue

Down

$110,580

Down $13,771 (-11%) from 2015

Expenses

Down

$112,480

Down $11,708 (-9.4%) from 2015

Net Income

Down

-$1,900

Down $2,063 (-1266%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth8th 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

2016

Assets$3,350,915
Liabilities$2,749,709
Net Assets$601,206
Open 2016 Filing

Operations Trend

Revenue Growth16th percentile

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

2016

Revenue$110,580
Expenses$112,480
Net Income-$1,900
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 4, 2017
Return Version
2016v3.0
Gross Receipts
$110,580
Mission and Program Overview

Mission

none

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,592,521$1,662,688▲ $70,167
Other Notes and Loans Receivable, Net$2,112,537$1,546,143▼ $566,394
Rtn Earn Endowment Incm Other Fnds$603,106$601,206▼ $1,900
Cash and Non-Interest-Bearing Accounts$127,069$134,773▲ $7,704
Land, Buildings, and Equipment, Net$9,464$4,690▼ $4,774
Prepaid Expenses and Deferred Charges$2,031$2,621▲ $590
Total Assets$3,843,622$3,350,915▼ $492,707
Liabilities
Other Liabilities$3,233,158$2,741,282▼ $491,876
Accounts Payable and Accrued Expenses$7,358$8,427▲ $1,069
Total Liabilities$3,240,516$2,749,709▼ $490,807
Net Assets / Fund Balance
Total Net Assets Fund Balance$603,106$601,206▼ $1,900
Total Liabilities and Net Assets / Fund Balance$3,843,622$3,350,915▼ $492,707

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$4,690$55,952$60,642
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Ted JaroshPresident thru 82016-$19,746$19,746
Kandace LessardPresidentManager beg 92016PT$10,827$10,827

Board Members and Trustees

NameTitle
Thomas HoppeChairman
John McCoyVice-Chair
Dalelynn LombardoDirector
Matt KuspaDirector
William RebholzDirector
Donna GalikSecretary
Michael NuofferTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$93,582
Investment Income
$16,998
Other Revenue
$0
Change in Net Assets
$-1,900
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$57,561
Salaries, Compensation, and Employee Benefits$54,919
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---$30,987
Other Salaries and Wages---$19,746
Office Expenses---$16,259
Information Technology---$14,567
Depreciation Depletion---$4,774
Payroll Taxes---$4,086
Payments to Affiliates---$3,432
Insurance---$2,757
All Other Expenses---$2,400
Travel---$2,400
Conferences and Meetings---$2,384
Fees for Services Accounting---$1,527
Other Expenses-$1,000-$1,000
Pension Plan Contributions---$100
Total Functional Expenses$0$0$0$112,480
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$2,741,282
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 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

“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

“Upon Request.”

Filing and Contact Details

Filer

Filer Name
Air Tech Credit Union
EIN
39-6055625
Address
1919 East Grange Avenue, Milwaukee, WI 53207

Signing Officer

Name
Kandace Lessard
Title
President
Phone
4147441325
Signed
2017-04-04
Discuss with paid preparer
No

Organization Details

Principal Officer
Kandace Lessard
Formed
1957
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
7

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix343 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 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/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/ExplanationTxt6Upon 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/TotalAssetsBOYAmt03843622
IRS990/TotalAssetsEOYAmt03350915
IRS990/TotalAssetsGrp/BOYAmt03843622
IRS990/TotalAssetsGrp/EOYAmt03350915
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0112480
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03240516
IRS990/TotalLiabilitiesEOYAmt02749709
IRS990/TotalLiabilitiesGrp/BOYAmt03240516
IRS990/TotalLiabilitiesGrp/EOYAmt02749709
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0603106
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0601206
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt093582
IRS990/TotalReportableCompFromOrgAmt030573
IRS990/TotalRevenueGrp/ExclusionAmt016998
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt093582
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0110580
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03843622
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03350915
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt02400
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Kandace Lessard
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum04147441325
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Air Tech Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0AIRT
ReturnHeader/Filer/EIN0396055625
ReturnHeader/Filer/USAddress/AddressLine1Txt01919 East Grange Avenue
ReturnHeader/Filer/USAddress/CityNm0Milwaukee
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd053207
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392017107i1vlni3
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-04-17
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02017-04-17
ReturnHeader/FilingSecurityInformation/IPTm019:37:15
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/PreparationDt02017-04-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02017-04-17T10:44:41-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$3,350,915
Liabilities
$2,749,709
Net assets
$601,206
Revenue
$110,580
Expenses
$112,480
Net income
-$1,900
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