Civic Intelligence

Worzalla Publishing Emplscredit Un

EIN 39-6092106 • 501(c)14 • Stevens Point, WI

Profile

None

3535 Jefferson StreetStevens Point, WI 54481

www.wpecu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2018

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2018

Net Margin

5th percentile

-1516%

Higher net margin than 5% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2018

Top Officer Pay

30th percentile

$2,730

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 51.7% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2018

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

28th percentile

-71%

Faster revenue growth than 28% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $1,107,244 (-100%) from 2017

Liabilities

Down

$0

Down $858,711 (-100%) from 2017

Net Assets

Down

$0

Down $248,533 (-100%) from 2017

Operations
Liabilities / Revenue96th percentileNet Margin5th percentile

Revenue

Down

$5,279

Down $13,110 (-71%) from 2017

Expenses

Up

$85,288

Up $66,903 (+364%) from 2017

Net Income

Down

-$80,009

Down $80,013 (-2000325%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5M$1.0M$500K$0Assets 2010: $1,392,259Liabilities 2010: $1,141,111Net Assets 2010: $251,1482010Assets 2011: $1,383,743Liabilities 2011: $1,135,275Net Assets 2011: $248,4682011Assets 2012: $1,283,597Liabilities 2012: $1,035,110Net Assets 2012: $248,4872012Assets 2013: $1,248,718Liabilities 2013: $1,000,226Net Assets 2013: $248,4922013Assets 2014: $1,222,392Liabilities 2014: $973,888Net Assets 2014: $248,5042014Assets 2015: $1,169,698Liabilities 2015: $921,188Net Assets 2015: $248,5102015Assets 2016: $1,095,475Liabilities 2016: $846,946Net Assets 2016: $248,5292016Assets 2017: $1,107,244Liabilities 2017: $858,711Net Assets 2017: $248,5332017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2018

Assets$0
Liabilities$0
Net Assets$0
Open 2018 Filing

Operations Trend

Revenue Growth28th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$100K$50K$0-$50K-$100KExpenses 2010: $33,5132010Expenses 2011: $30,7112011Expenses 2012: $25,5242012Revenue 2013: $20,994Expenses 2013: $20,989Net Income 2013: $52013Revenue 2014: $18,629Expenses 2014: $18,617Net Income 2014: $122014Revenue 2015: $16,977Expenses 2015: $16,971Net Income 2015: $62015Revenue 2016: $17,467Expenses 2016: $17,448Net Income 2016: $192016Revenue 2017: $18,389Expenses 2017: $18,385Net Income 2017: $42017Revenue 2018: $5,279Expenses 2018: $85,288Net Income 2018: -$80,0092018

Highlighted filing

2018

Revenue$5,279
Expenses$85,288
Net Income-$80,009
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$5,279
Expenses
$85,288
Net income
-$80,009
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.01$0.09$0.08
2017Detailed filing. Detailed filing data is available for this year.$1.11$0.86$0.25$0.02$0.02$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.10$0.85$0.25$0.02$0.02$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.17$0.92$0.25$0.02$0.02$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.22$0.97$0.25$0.02$0.02$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.25$1.00$0.25$0.02$0.02$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.28$1.04$0.25$0.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.38$1.14$0.25$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.39$1.14$0.25$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Apr 30, 2019
Return Version
2018v3.1
Gross Receipts
$5,279
Mission and Program Overview

Mission

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$869,775--
Rtn Earn Endowment Incm Other Fnds$248,533--
Other Notes and Loans Receivable, Net$216,699--
Investments Program Related$19,422--
Total Assets$1,107,244$0▼ $1,107,244
Other Assets Total$1,348--
Liabilities
Other Liabilities$850,851--
Accounts Payable and Accrued Expenses$7,860--
Total Liabilities$858,711$0▼ $858,711
Net Assets / Fund Balance
Total Net Assets Fund Balance$248,533$0▼ $248,533
Total Liabilities and Net Assets / Fund Balance$1,107,244$0▼ $1,107,244
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Cheryl PrinceBookeeperPT$2,730$2,730
Cynthia MaherPresident-$1,000$1,000

Board Members and Trustees

NameTitle
Paul DavisChairperson
Steven CisewskiVice-Chair
Angela BraselSecretary
Thomas MossTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,086
Investment Income
$4,193
Other Revenue
$0
Change in Net Assets
$-80,009
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$81,273
Salaries, Compensation, and Employee Benefits$4,015
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$3,868
Current Officers, Directors, Trustees, and Key Employees---$3,730
Information Technology---$2,431
Conferences and Meetings---$698
Payroll Taxes---$285
Other Expenses-$261-$261
Office Expenses---$64
Insurance---$-1,558
Payments to Affiliates---$-2,116
Total Functional Expenses$0$0$0$85,288
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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

“It is brought to a board meeting for the board to review.”

Conflict of interest policy compliance Part VI line 12C

“If regulations change we amend policy to remain compliant.”

CEO executive director top management comp Part VI line 15A

“Information is reviewed by the Board of Directors”

Other officer or key employee compensation Part VI line 15B

“The President reviews compensation levels.”

Governing documents etc available to public Part VI line 19

“Upon request.”

Filing and Contact Details

Filer

Filer Name
Worzalla Publishing EmplsCredit Un
EIN
39-6092106
Address
3535 Jefferson Street, Stevens Point, WI 54481

Signing Officer

Name
Randy Leszczynski
Title
CFO-Valley Comm
Phone
7156935776
Signed
2019-04-30
Discuss with paid preparer
No

Organization Details

Principal Officer
Cynthia Maher
Formed
1966
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
4
Employees
2
Volunteers
5

Preparer

Firm
WCUL Services Corp
Address
1 E Main Street Suite 101, Madison, WI 53703
Preparer
Cari Thompson
Phone
6086404040
Supplemental Narrative

Additional Explanations

Cessation of or significant change to any program service Part III line 3

“Worzalla Publishing Employees Credit Union merged with Valley Communities Credit Union effective April 1, 2018. Members transferring from Worzalla Publishing Employees Credit Union hasve access to all products and services as of April 2018”

Explanation of other changes in net assets or fund balances Part XI line 9

“Net Asset Balance at the time of merger. All Net Assets were transferred to Valley Communiites CreditUnion as part of merger.”

Raw XML Appendix328 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
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IRS990/BooksInCareOfDetail/PersonNm0Randy Leszczynski
IRS990/BooksInCareOfDetail/PhoneNum07156935775
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IRS990/BooksInCareOfDetail/USAddress/CityNm0Mosinee
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IRS990/Desc0We funded 3 loans during 2018. As of 4/1/18, we had 27 consumer loans.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0Angela Brasel
IRS990/Form990PartVIISectionAGrp/PersonNm1Steven Cisewski
IRS990/Form990PartVIISectionAGrp/PersonNm2Thomas Moss
IRS990/Form990PartVIISectionAGrp/PersonNm3Paul Davis
IRS990/Form990PartVIISectionAGrp/PersonNm4Cynthia Maher
IRS990/Form990PartVIISectionAGrp/PersonNm5Cheryl Prince
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt41000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt52730
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt4President
IRS990/Form990PartVIISectionAGrp/TitleTxt5Bookeeper
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01966
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt05279
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt04
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02431
IRS990/InsuranceGrp/TotalAmt0-1558
IRS990/InvestmentIncomeGrp/ExclusionAmt04193
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04193
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt019422
IRS990/IRPDocumentCnt0140
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0None
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0248533
IRS990/NetAssetsOrFundBalancesEOYAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/TotalAmt064
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01348
IRS990/OtherChangesInNetAssetsAmt0-168524
IRS990/OtherExpensesGrp/Desc0Dividends on Shares
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expense
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt077625
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1261
IRS990/OtherExpensesGrp/TotalAmt077625
IRS990/OtherExpensesGrp/TotalAmt1261
IRS990/OtherLiabilitiesGrp/BOYAmt0850851
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IRS990/PartialLiquidationInd0true
IRS990/PaymentsToAffiliatesGrp/TotalAmt0-2116
IRS990/PayrollTaxesGrp/TotalAmt0285
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0Cynthia Maher
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
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IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
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IRS990/ProhibitedTaxShelterTransInd0false
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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/ExplanationTxt3It is brought to a board meeting for the board to review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4If regulations change we amend policy to remain compliant.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Information is reviewed by the Board of Directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The President reviews compensation levels.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Worzalla Publishing Employees Credit Union merged with Valley Communities Credit Union effective April 1, 2018. Members transferring from Worzalla Publishing Employees Credit Union hasve access to all products and services as of April 2018
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Net Asset Balance at the time of merger. All Net Assets were transferred to Valley Communiites CreditUnion as part of merger.
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/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Cessation of or significant change to any program service Part III line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Explanation of other changes in net assets or fund balances Part XI line 9
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ReturnHeader/BuildTS02019-02-21 02:37:17Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0Randy Leszczynski
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO-Valley Comm
ReturnHeader/BusinessOfficerGrp/PhoneNum07156935776
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-04-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Worzalla Publishing EmplsCredit Un
ReturnHeader/Filer/BusinessNameControlTxt0WORZ
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ReturnHeader/Filer/USAddress/AddressLine1Txt03535 Jefferson Street
ReturnHeader/Filer/USAddress/CityNm0Stevens Point
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ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId039223920191351dbxpzi
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ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0128.92.120.210
ReturnHeader/FilingSecurityInformation/IPDt02019-05-15
ReturnHeader/FilingSecurityInformation/IPTm019:10:40
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01 E Main Street Suite 101
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Madison
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ReturnHeader/PreparerPersonGrp/PhoneNum06086404040
ReturnHeader/PreparerPersonGrp/PreparationDt02019-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02019-05-15T19:01:35-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

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