Civic Intelligence

Public Service Credit Union

990 • Fiscal year 2012 • EIN 39-6063480

Jan 01, 2012 to Dec 31, 2012 • Filed on May 15, 2013

Organization Profile
N4367 State Road 18054143
Siviq Scores

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

Liabilities / Assets

37th percentile

0.80x

Higher debt load relative to assets than 37% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

6th percentile

-8.4%

Faster asset growth than 6% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets37th percentile

Assets

Down

$1,844,974

Down $169,232 (-8.4%) from 2011

Net Assets

Down

$375,319

Down $46,674 (-11%) from 2011

Liabilities

Down

$1,469,655

Down $122,558 (-7.7%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$101,522

Up $41,725 (+70%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $1,792,194Liabilities 2010: $1,372,694Net Assets 2010: $419,5002010Assets 2011: $2,014,206Liabilities 2011: $1,592,213Net Assets 2011: $421,9932011Assets 2012: $1,844,974Liabilities 2012: $1,469,655Net Assets 2012: $375,3192012Assets 2013: $0Liabilities 2013: $0Net Assets 2013: $02013

Highlighted filing

2012

Assets$1,844,974
Liabilities$1,469,655
Net Assets$375,319
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$200K$100K$0-$100K-$200KExpenses 2010: $70,8882010Expenses 2011: $59,7972011Expenses 2012: $101,5222012Revenue 2013: $24,970Expenses 2013: $139,100Net Income 2013: -$114,1302013

Highlighted filing

2012

Revenue-
Expenses$101,522
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 15, 2013
Return Version
2012v2.1
Gross Receipts
$56,556
Mission and Program Overview

Mission

None

Major Activities

Activity 2
We funded 49 loans during 2012. As of 12/31/2012 we had 76 consumer loans.
Filing and Contact Details

Filer

EIN
39-6063480
Raw XML Appendix310 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/Activity2/Description0We funded 49 loans during 2012. As of 12/31/2012 we had 76 consumer loans.
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IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total05711
IRS990/Insurance/Total06819
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IRS990/MoreThan5000KToOrganizations0false
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IRS990/OtherExpenses/Description1Member Ins/NCUSIF
IRS990/OtherExpenses/Description2Provision for Loan Loss
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IRS990ScheduleD/OtherLiabilities/Description0Member Share & Deposits
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IRS990ScheduleD/TotalOfBookValueLandBuildings07259
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IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0Chairman is father of secretary
IRS990ScheduleO/GeneralExplanation/Explanation1The 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/GeneralExplanation/Explanation2The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/GeneralExplanation/Explanation3Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization9s 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/GeneralExplanation/Explanation4It will be reviewed at a regular board meeting following receipt of completed form.
IRS990ScheduleO/GeneralExplanation/Explanation5Upon Request
IRS990ScheduleO/GeneralExplanation/Identifier0O01
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IRS990ScheduleO/GeneralExplanation/Identifier2O03
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IRS990ScheduleO/GeneralExplanation/ReturnReference2Member election for additional members Part VI line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Governing body decisions Part VI line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990 governing body review Part VI line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5Governing documents etc available to public Part VI line 19
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IRS990/YearFormation01936
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0396063480
ReturnHeader/Filer/Name/BusinessNameLine10Public Service Credit Union
ReturnHeader/Filer/NameControl0PUBL
ReturnHeader/Filer/USAddress/AddressLine10N4367 State Road 180
ReturnHeader/Filer/USAddress/City0Marinette
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054143
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02013-05-15
ReturnHeader/Officer/Name0Kay L Hinkens
ReturnHeader/Officer/Phone07157322880
ReturnHeader/Officer/Title0PresidentCEO
ReturnHeader/Preparer/DatePrepared02013-05-15
ReturnHeader/PreparerFirm/EIN0391127312
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Pewaukee
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode053072
ReturnHeader/Preparer/Name0Cari Thompson
ReturnHeader/Preparer/Phone02625490200
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-15T14:52:38-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,844,974
Liabilities
$1,469,655
Net assets
$375,319
Revenue
-
Expenses
$101,522
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.02$0.14$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.84$1.47$0.38$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.01$1.59$0.42$0.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.79$1.37$0.42$0.07