Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 39-6062995

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 02, 2014

Organization Profilewww.shhecu.org

View Organization Page

900 W Clairemont Avenue54701

(715) 717-4245

Siviq Scores

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

Liabilities / Assets

66th percentile

0.86x

Higher debt load relative to assets than 66% of similar nonprofits.

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

Liabilities / Revenue

89th percentile

29.62x

Higher debt load relative to revenue than 89% of similar nonprofits.

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

Net Margin

12th percentile

-23%

Higher net margin than 12% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

71st percentile

3.7%

Faster asset growth than 71% 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 / Assets66th percentile

Assets

Up

$4,667,117

Up $165,727 (+3.7%) from 2012

Net Assets

Down

$636,834

Down $31,632 (-4.7%) from 2012

Liabilities

Up

$4,030,283

Up $197,359 (+5.1%) from 2012

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin12th percentile

Revenue

$136,064

No earlier filing loaded for comparison.

Expenses

Down

$167,696

Down $6,452 (-3.7%) from 2012

Net Income

-$31,632

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth71st percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,491,623Liabilities 2010: $3,823,272Net Assets 2010: $668,3512010Assets 2011: $4,403,186Liabilities 2011: $3,726,605Net Assets 2011: $676,5812011Assets 2012: $4,501,390Liabilities 2012: $3,832,924Net Assets 2012: $668,4662012Assets 2013: $4,667,117Liabilities 2013: $4,030,283Net Assets 2013: $636,8342013

Highlighted filing

2013

Assets$4,667,117
Liabilities$4,030,283
Net Assets$636,834
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$200K$100K$0-$100KExpenses 2010: $198,0742010Expenses 2011: $172,2272011Expenses 2012: $174,1482012Revenue 2013: $136,064Expenses 2013: $167,696Net Income 2013: -$31,6322013

Highlighted filing

2013

Revenue$136,064
Expenses$167,696
Net Income-$31,632
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 2, 2014
Return Version
2013v3.1
Gross Receipts
$136,064
Mission and Program Overview

Mission

We are a Non-Profit, Member Owned Credit Union. We are committed to provide accurate and prompt financial services in a friendly people helping people manner, while maintaining financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,410,147$2,785,034▲ $374,887
Other Notes and Loans Receivable, Net$1,848,622$1,446,446▼ $402,176
Rtn Earn Endowment Incm Other Fnds$668,466$636,834▼ $31,632
Cash and Non-Interest-Bearing Accounts$178,484$373,293▲ $194,809
Investments Program Related$37,135$38,194▲ $1,059
Prepaid Expenses and Deferred Charges$10,333$8,713▼ $1,620
Land, Buildings, and Equipment, Net$4,036$936▼ $3,100
Total Assets$4,501,390$4,667,117▲ $165,727
Other Assets Total$12,633$14,501▲ $1,868
Liabilities
Other Liabilities$3,819,400$4,016,761▲ $197,361
Accounts Payable and Accrued Expenses$13,524$13,522▼ $2
Total Liabilities$3,832,924$4,030,283▲ $197,359
Net Assets / Fund Balance
Total Net Assets Fund Balance$668,466$636,834▼ $31,632
Total Liabilities and Net Assets / Fund Balance$4,501,390$4,667,117▲ $165,727

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$383$76,569$76,952
Equipment$553$18,420$18,973
Investment Program Related Org$38,194--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Elizabeth J WolfgangPresidentFT$58,026$1,128$59,154

Board Members and Trustees

NameTitle
Robert J PielhopChairperson
Matthew J SchneiderVice-Chairperson
Deborah J DrungDirector
Kimberly JohnsonDirector
Patrick J MulliganDirector
Thomas R ZemaitisSecretary
Helen Jo HornTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$108,763
Investment Income
$26,822
Other Revenue
$479
Change in Net Assets
$-31,632
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$93,664
Other Expenses$74,032
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---$58,026
Other Salaries and Wages---$26,732
Office Expenses---$14,621
All Other Expenses---$12,676
Information Technology---$10,320
Other Expenses-$8,693-$8,693
Payroll Taxes---$6,909
Insurance---$4,810
Payments to Affiliates---$3,848
Depreciation Depletion---$3,099
Pension Plan Contributions---$1,199
Other Employee Benefits---$798
Advertising---$299
Conferences and Meetings---$101
Travel---$95
Fees for Services Accounting---$50
Total Functional Expenses$0$0$0$167,696
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 Shares & Deposits$4,016,761
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

“The Form 990 was reviewed by management prior to filing.”

Conflict of interest policy compliance Part VI line 12C

“Yearly signing of an Oath of Office and Code of Conduct.”

CEO executive director top management comp Part VI line 15A

“The Board of Directors meet and discuss the candidate and review comparative data to decide on compensation.”

Governing documents etc available to public Part VI line 19

“We post our financial statements in our lobby on a yearly basis. We also make available, upon request, the governing documents and conflict of interest policy.”

Filing and Contact Details

Filer

EIN
39-6062995

Signing Officer

Name
Elizabeth Wolfgang
Title
President
Phone
7157174245
Signed
2014-04-02
Discuss with paid preparer
No

Organization Details

Principal Officer
Elizabeth J Wolfgang
Formed
1963
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
7

Preparer

Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix348 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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IRS990/ActivityOrMissionDesc0We are a Non-Profit, Member Owned Credit Union. We are committed to provide accurate and prompt financial services in a friendly people helping people manner, while maintaining financial stability.
IRS990/AdvertisingGrp/TotalAmt0299
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IRS990/BooksInCareOfDetail/PersonNm0Elizabeth J Wolfgang
IRS990/BooksInCareOfDetail/PhoneNum07157174245
IRS990/BooksInCareOfDetail/USAddress/AddressLine10900 W Clairemont Avenue
IRS990/BooksInCareOfDetail/USAddress/City0Eau Claire
IRS990/BooksInCareOfDetail/USAddress/State0WI
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt71128
IRS990/Form990PartVIISectionAGrp/PersonNm0Robert J Pielhop
IRS990/Form990PartVIISectionAGrp/PersonNm1Patrick J Mulligan
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IRS990/Form990PartVIISectionAGrp/PersonNm3Helen Jo Horn
IRS990/Form990PartVIISectionAGrp/PersonNm4Thomas R Zemaitis
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IRS990/Form990PartVIISectionAGrp/PersonNm6Matthew J Schneider
IRS990/Form990PartVIISectionAGrp/PersonNm7Elizabeth J Wolfgang
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Vice-Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt7President
IRS990/Form990ProvidedToGvrnBodyInd0false
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IRS990/FSAuditedInd0false
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IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0136064
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
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IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
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IRS990/InsuranceGrp/TotalAmt04810
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IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt037135
IRS990/InvestmentsProgramRelatedGrp/EOYAmt038194
IRS990/IRPDocumentCnt085
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt094989
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04036
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0936
IRS990/LandBldgEquipCostOrOtherBssAmt095925
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0We are a Non-Profit, Member Owned Credit Union. We are committed to provide accurate and prompt financial services in a friendly people helping people manner, while maintaining financial stability.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0668466
IRS990/NetAssetsOrFundBalancesEOYAmt0636834
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/TotalAmt014621
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
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IRS990/OtherAssetsTotalGrp/BOYAmt012633
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IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0798
IRS990/OtherExpensesGrp/Desc0Dividends on Shares
IRS990/OtherExpensesGrp/Desc1Member InsNCUSIF
IRS990/OtherExpensesGrp/Desc2Loan Servicing Exp
IRS990/OtherExpensesGrp/Desc3Member AccountCard Costs
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt13223
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt25511
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IRS990/PrincipalOfficerNm0Elizabeth J Wolfgang
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IRS990/ProgramServiceRevenueGrp/Desc1Member Fees & Charges
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17198
IRS990/ProgSrvcAccomActy2Grp/Desc0We funded 93 loans during 2013. As of 12/31/13, we had 11 mortgages/home equity lines, and 200 consumer loans. We also had 66 credit card accounts with our members.
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04016761
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
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IRS990ScheduleD/TotalBookValueProgramRltdAmt038194
IRS990ScheduleD/TotalLiabilityAmt04016761
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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/ExplanationTxt3The Form 990 was reviewed by management prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Yearly signing of an Oath of Office and Code of Conduct.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Board of Directors meet and discuss the candidate and review comparative data to decide on compensation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6We post our financial statements in our lobby on a yearly basis. We also make available, upon request, the governing documents and conflict of interest policy.
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
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IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04501390
IRS990/TotalAssetsEOYAmt04667117
IRS990/TotalAssetsGrp/BOYAmt04501390
IRS990/TotalAssetsGrp/EOYAmt04667117
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0167696
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03832924
IRS990/TotalLiabilitiesEOYAmt04030283
IRS990/TotalLiabilitiesGrp/BOYAmt03832924
IRS990/TotalLiabilitiesGrp/EOYAmt04030283
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0668466
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0636834
IRS990/TotalOtherCompensationAmt01128
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt02368
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt02368
IRS990/TotalProgramServiceRevenueAmt0108763
IRS990/TotalReportableCompFromOrgAmt058026
IRS990/TotalRevenueGrp/ExclusionAmt027301
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0108763
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0136064
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04501390
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04667117
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt095
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.shhecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Elizabeth Wolfgang
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07157174245
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-02
ReturnHeader/Filer/BusinessName/BusinessNameLine10Sacred Heart Hospital Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SACR
ReturnHeader/Filer/EIN0396062995
ReturnHeader/Filer/USAddress/AddressLine10900 W Clairemont Avenue
ReturnHeader/Filer/USAddress/City0Eau Claire
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054701
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/PreparationDt02014-04-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-04-10T17:45:21-05:00
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
$4,667,117
Liabilities
$4,030,283
Net assets
$636,834
Revenue
$136,064
Expenses
$167,696
Net income
-$31,632
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$4.67$4.03$0.64$0.14$0.17$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.50$3.83$0.67$0.17
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.40$3.73$0.68$0.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.49$3.82$0.67$0.20