Civic Intelligence

Credit Union One

990 • Fiscal year 2010 • EIN 39-6074770

Jan 01, 2010 to Dec 31, 2010 • Filed on Aug 15, 2011

Organization Profile
PO Box 116654936
Siviq Scores

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

Liabilities / Assets

88th percentile

0.84x

Higher debt load relative to assets than 88% of similar nonprofits.

2010 filings • $1M-$5M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

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

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets88th percentile

Assets

$4,706,586

No earlier filing loaded for comparison.

Net Assets

$758,570

No earlier filing loaded for comparison.

Liabilities

$3,948,016

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$248,041

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,706,586Liabilities 2010: $3,948,016Net Assets 2010: $758,5702010Assets 2011: $5,323,854Liabilities 2011: $4,565,661Net Assets 2011: $758,1932011Assets 2012: $5,694,174Liabilities 2012: $4,961,437Net Assets 2012: $732,7372012

Highlighted filing

2010

Assets$4,706,586
Liabilities$3,948,016
Net Assets$758,570
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$300K$200K$100K$0Expenses 2010: $248,0412010Expenses 2011: $242,4872011Expenses 2012: $238,8382012

Highlighted filing

2010

Revenue-
Expenses$248,041
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Aug 15, 2011
Return Version
2010v3.4
Gross Receipts
$241,408
Mission and Program Overview

Major Activities

Activity 2
We funded 175 loans during 2010 As of 123110 we had 10 mortgageshome equity lines and 270 consumer loans
Filing and Contact Details

Filer

EIN
39-6074770
Raw XML Appendix342 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.

Path#Value
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY04847
IRS990/AccountsPayableAccruedExpenses/EOY09067
IRS990/AccountsReceivable/BOY01200
IRS990/AccountsReceivable/EOY09609
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0We funded 175 loans during 2010 As of 123110 we had 10 mortgageshome equity lines and 270 consumer loans
IRS990/ActivityOrMissionDescription0None
IRS990/Advertising/Total01227
IRS990/AllOtherExpenses/Total03930
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY097897
IRS990/CashNonInterestBearing/EOY0301446
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total081168
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0false
IRS990/CompensationProcessOther0false
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total0829
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total08643
IRS990/DescribedIn501C30false
IRS990/Description0We have deposit transaction and investment accounts with 983 members at 1231 During 2010 we opened 89 new deposit transaction and investment accounts
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total0252
IRS990/FeesForServicesInvstMgmntFees/Total01433
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek030.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek140.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/NamePerson0Amy Hughes
IRS990/Form990PartVIISectionA/NamePerson1Charles Hornung
IRS990/Form990PartVIISectionA/NamePerson2Craig Dreger
IRS990/Form990PartVIISectionA/NamePerson3Joseph Neisius
IRS990/Form990PartVIISectionA/NamePerson4Paul Schroeder
IRS990/Form990PartVIISectionA/NamePerson5Richard V Schmitz
IRS990/Form990PartVIISectionA/NamePerson6Jane Bodwell
IRS990/Form990PartVIISectionA/NamePerson7Roger Licht
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/Officer3X
IRS990/Form990PartVIISectionA/Officer4X
IRS990/Form990PartVIISectionA/Officer5X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization633237
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization747931
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/Title0Secretary
IRS990/Form990PartVIISectionA/Title1Treasurer
IRS990/Form990PartVIISectionA/Title2Vice Chairman
IRS990/Form990PartVIISectionA/Title3Chairman
IRS990/Form990PartVIISectionA/Title4Director
IRS990/Form990PartVIISectionA/Title5Director
IRS990/Form990PartVIISectionA/Title6VP Finance
IRS990/Form990PartVIISectionA/Title7President
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts0241408
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total08708
IRS990/Insurance/Total05947
IRS990/Interest/Total06
IRS990/InvestmentIncomeCurrentYear073508
IRS990/InvestmentIncome/ExclusionAmount073508
IRS990/InvestmentIncomePriorYear063308
IRS990/InvestmentIncome/TotalRevenueColumn073508
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsProgramRelated/BOY035609
IRS990/InvestmentsProgramRelated/EOY074863
IRS990/LandBldgEquipmentAccumDeprec093611
IRS990/LandBuildingsEquipmentBasis0168657
IRS990/LandBuildingsEquipmentBasisNet/BOY073470
IRS990/LandBuildingsEquipmentBasisNet/EOY075046
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0None
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Jane Bodwell
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY0765203
IRS990/NetAssetsOrFundBalancesEOY0758570
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith10960231
IRS990/NumberIndependentVotingMembers07
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfEmployees06
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total09115
IRS990/OfficeExpenses/Total019301
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY03066
IRS990/OtherAssetsTotal/EOY020
IRS990/OtherExpensePriorYear0168732
IRS990/OtherExpensesCurrentYear0137098
IRS990/OtherExpenses/Description0Dividends on Shares
IRS990/OtherExpenses/Description1Provision for Loan Loss
IRS990/OtherExpenses/Description2Member AccountCard Costs
IRS990/OtherExpenses/Description3Loan Servicing
IRS990/OtherExpenses/Description4Members InsuranceNCUSIF
IRS990/OtherExpenses/Total015565
IRS990/OtherExpenses/Total16812
IRS990/OtherExpenses/Total241852
IRS990/OtherExpenses/Total33255
IRS990/OtherExpenses/Total410223
IRS990/OtherLiabilities/BOY03948129
IRS990/OtherLiabilities/EOY03938949
IRS990/OtherNotesLoansReceivableNet/BOY01796410
IRS990/OtherNotesLoansReceivableNet/EOY01497763
IRS990/OtherRevenueCurrentYear03320
IRS990/OtherRevenuePriorYear03498
IRS990/OtherSalariesAndWages/Total021554
IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/Total08221
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY04817
IRS990/PrepaidExpensesDeferredCharges/EOY09462
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2524298
IRS990/ProgramServiceRevenue/BusinessCode3522100
IRS990/ProgramServiceRevenue/BusinessCode4525990
IRS990/ProgramServiceRevenueCY0164580
IRS990/ProgramServiceRevenue/Description0Interest on Loans
IRS990/ProgramServiceRevenue/Description1Member AccountCard Inc
IRS990/ProgramServiceRevenue/Description2Insurance Sales
IRS990/ProgramServiceRevenue/Description3Other Member Fee Inc
IRS990/ProgramServiceRevenue/Description4Mortgage Loan Referrals
IRS990/ProgramServiceRevenuePriorYear0185913
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome0112566
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome148876
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome21261
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome31877
IRS990/ProgramServiceRevenue/TotalRevenueColumn0112566
IRS990/ProgramServiceRevenue/TotalRevenueColumn148876
IRS990/ProgramServiceRevenue/TotalRevenueColumn21261
IRS990/ProgramServiceRevenue/TotalRevenueColumn31877
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationOtherChanges00
IRS990/ReconcilationRevenueExpenses0-6633
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY0765203
IRS990/RetainedEarningsEndowmentEtc/EOY0758570
IRS990/RevenuesLessExpensesCY0-6633
IRS990/RevenuesLessExpensesPriorYear0-31687
IRS990/RoyaltiesRevenue/ExclusionAmount03320
IRS990/RoyaltiesRevenue/TotalRevenueColumn03320
IRS990/SalariesEtcCurrentYear0110943
IRS990/SalariesEtcPriorYear0115674
IRS990/SavingsAndTempCashInvestments/BOY02705710
IRS990/SavingsAndTempCashInvestments/EOY02738377
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue034769
IRS990ScheduleD/Buildings/Depreciation054278
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis089047
IRS990ScheduleD/Equipment/BookValue0280
IRS990ScheduleD/Equipment/Depreciation016366
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis016646
IRS990ScheduleD/InvestmentsProgramRelated/BookValue039477
IRS990ScheduleD/InvestmentsProgramRelated/BookValue135386
IRS990ScheduleD/InvestmentsProgramRelated/Description0NCUA Capitalization
IRS990ScheduleD/InvestmentsProgramRelated/Description1Corp Central MCS & PIC
IRS990ScheduleD/Land/BookValue022500
IRS990ScheduleD/Land/OtherCostOrOtherBasis022500
IRS990ScheduleD/OtherLandBuildings/BookValue017497
IRS990ScheduleD/OtherLandBuildings/Depreciation022967
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis040464
IRS990ScheduleD/OtherLiabilities/Amount03938780
IRS990ScheduleD/OtherLiabilities/Amount1169
IRS990ScheduleD/OtherLiabilities/Description0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilities/Description1Accrued Dividends
IRS990ScheduleD/TotalOfAmounts03938949
IRS990ScheduleD/TotalOfBookValueLandBuildings075046
IRS990ScheduleD/TotalOfBookValueProgramRelated074863
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0The organization consists of members To be a member one must have a sharesavings account Each member has one vote to elect the governing body Board of Directors
IRS990ScheduleO/GeneralExplanation/Explanation1The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/GeneralExplanation/Explanation2Each 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 ie NCUA Wisconsin Office of Credit Unions
IRS990ScheduleO/GeneralExplanation/Explanation3Management reviews the prepared 990 before it is filed
IRS990ScheduleO/GeneralExplanation/Explanation4Financial Statements are posted monthly in the credit union lobby
IRS990ScheduleO/GeneralExplanation/Identifier001. Members or stockholder classes and rights (Part VI, line 6)
IRS990ScheduleO/GeneralExplanation/Identifier102. Member election for additional members (Part VI, line 7a)
IRS990ScheduleO/GeneralExplanation/Identifier203. Governing body decisions (Part VI, line 7b)
IRS990ScheduleO/GeneralExplanation/Identifier304. Form 990 governing body review (Part VI, line 11)
IRS990ScheduleO/GeneralExplanation/Identifier405. Governing documents, etc, available to public (Part VI, line 19)
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0WI
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10PO BOX 1166
IRS990/TheBooksAreInCareOf/AddressUS/City0Fond Du Lac
IRS990/TheBooksAreInCareOf/AddressUS/State0WI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode054936
IRS990/TheBooksAreInCareOf/NamePerson0Jane Bodwell
IRS990/TheBooksAreInCareOf/TelephoneNumber09209231001
IRS990/TotalAssets/BOY04718179
IRS990/TotalAssetsBOY04718179
IRS990/TotalAssets/EOY04706586
IRS990/TotalAssetsEOY04706586
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear0248041
IRS990/TotalExpensesPriorYear0284406
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total0248041
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY03952976
IRS990/TotalLiabilitiesBOY03952976
IRS990/TotalLiabilities/EOY03948016
IRS990/TotalLiabilitiesEOY03948016
IRS990/TotalLiabNetAssetsFundBalances/BOY04718179
IRS990/TotalLiabNetAssetsFundBalances/EOY04706586
IRS990/TotalNbrEmployees06
IRS990/TotalNetAssetsFundBalances/BOY0765203
IRS990/TotalNetAssetsFundBalances/EOY0758570
IRS990/TotalOtherCompensation00
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue0164580
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg081168
IRS990/TotalRevenueCurrentYear0241408
IRS990/TotalRevenue/ExclusionAmount076828
IRS990/TotalRevenuePriorYear0252719
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0164580
IRS990/TotalRevenue/TotalRevenueColumn0241408
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TransactionRelatedEntity0false
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0www.cuone.net
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01964
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0396074770
ReturnHeader/Filer/Name/BusinessNameLine10Credit Union One
ReturnHeader/Filer/NameControl0CRED
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 1166
ReturnHeader/Filer/USAddress/City0Fond Du Lac
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054936
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02011-08-15
ReturnHeader/Officer/Name0Jane Bodwell
ReturnHeader/Officer/Phone09209231001
ReturnHeader/Officer/Title0Vice President-
ReturnHeader/Preparer/DatePrepared02011-08-15
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/TaxPeriodBeginDate02010-01-01
ReturnHeader/TaxPeriodEndDate02010-12-31
ReturnHeader/TaxYear02010
ReturnHeader/Timestamp02011-08-15T15:27:34-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$4,706,586
Liabilities
$3,948,016
Net assets
$758,570
Revenue
-
Expenses
$248,041
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.69$4.96$0.73$0.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.32$4.57$0.76$0.24
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.71$3.95$0.76$0.25