Civic Intelligence

St Elizabeth Employees Credit Union

EIN 39-6098017 • 501(c)14 • Appleton, WI

Profile

Financial institution to provide its members with the best possible savings, lending, and other financially related programs. This will be accomplished by using current technology as well as safe and sound business practices to be as competitive as possible.

1506 S Oneida StreetAppleton, WI 54915

www.stelizcu.com

Siviq Scores

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

Liabilities / Assets

60th percentile

0.84x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

82nd percentile

18.88x

Higher debt load relative to revenue than 82% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

55th percentile

2.0%

Higher net margin than 55% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

71st percentile

$80,562

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 42.5% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

76th percentile

-0.5%

Faster asset growth than 76% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

59th percentile

0.7%

Faster revenue growth than 59% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$4,262,323

Down $22,712 (-0.5%) from 2014

Liabilities

Down

$3,576,169

Down $26,585 (-0.7%) from 2014

Net Assets

Up

$686,154

Up $3,873 (+0.6%) from 2014

Operations
Liabilities / Revenue82nd percentileNet Margin55th percentile

Revenue

Up

$189,447

Up $1,326 (+0.7%) from 2014

Expenses

Down

$185,574

Down $9,090 (-4.7%) from 2014

Net Income

Up

$3,873

Up $10,416 (+159%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth76th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $3,924,224Liabilities 2010: $3,265,353Net Assets 2010: $658,8712010Assets 2011: $4,322,753Liabilities 2011: $3,646,061Net Assets 2011: $676,6922011Assets 2012: $4,544,845Liabilities 2012: $3,852,979Net Assets 2012: $691,8662012Assets 2013: $4,414,275Liabilities 2013: $3,725,451Net Assets 2013: $688,8242013Assets 2014: $4,285,035Liabilities 2014: $3,602,754Net Assets 2014: $682,2812014Assets 2015: $4,262,323Liabilities 2015: $3,576,169Net Assets 2015: $686,1542015

Highlighted filing

2015

Assets$4,262,323
Liabilities$3,576,169
Net Assets$686,154
Open 2015 Filing

Operations Trend

Revenue Growth59th percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $203,9012010Expenses 2011: $192,7172011Expenses 2012: $188,4912012Revenue 2013: $199,523Expenses 2013: $202,565Net Income 2013: -$3,0422013Revenue 2014: $188,121Expenses 2014: $194,664Net Income 2014: -$6,5432014Revenue 2015: $189,447Expenses 2015: $185,574Net Income 2015: $3,8732015

Highlighted filing

2015

Revenue$189,447
Expenses$185,574
Net Income$3,873
Open 2015 Filing

Filings

Most recent year

2015 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$4,262,323
Liabilities
$3,576,169
Net assets
$686,154
Revenue
$189,447
Expenses
$185,574
Net income
$3,873
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.26$3.58$0.69$0.19$0.19$0.00
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.29$3.60$0.68$0.19$0.19$0.01
2013Detailed filing. Detailed filing data is available for this year.$4.41$3.73$0.69$0.20$0.20$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.54$3.85$0.69$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.32$3.65$0.68$0.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.92$3.27$0.66$0.20
Latest Detailed Filing

The latest 2015 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2013 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 27, 2014
Return Version
2013v3.1
Gross Receipts
$199,523
Mission and Program Overview

Mission

Financial institution to provide its members with the best possible savings, lending, and other financially related programs. This will be accomplished by using current technology as well as safe and sound business practices to be as competitive as possible.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,318,570$2,189,457▼ $129,113
Other Notes and Loans Receivable, Net$2,069,344$2,077,348▲ $8,004
Rtn Earn Endowment Incm Other Fnds$691,866$688,824▼ $3,042
Investments Program Related$68,759$72,525▲ $3,766
Cash and Non-Interest-Bearing Accounts$81,016$62,669▼ $18,347
Prepaid Expenses and Deferred Charges$8,620$10,201▲ $1,581
Land, Buildings, and Equipment, Net$106$3,238▲ $3,132
Total Assets$4,544,845$4,414,275▼ $130,570
Other Assets Total$-1,570$-1,163▲ $407
Liabilities
Other Liabilities$3,845,859$3,717,991▼ $127,868
Accounts Payable and Accrued Expenses$7,120$7,460▲ $340
Total Liabilities$3,852,979$3,725,451▼ $127,528
Net Assets / Fund Balance
Total Net Assets Fund Balance$691,866$688,824▼ $3,042
Total Liabilities and Net Assets / Fund Balance$4,544,845$4,414,275▼ $130,570

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings-$9,982$9,982
Equipment$3,238$3,929$7,167
Investment Program Related Org$34,086--
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patti SchuppePresidentTreasurerFT$56,670$4,342$61,012

Board Members and Trustees

NameTitle
Mark DelfosseChair
Marcia BroerenVice Chair
Mary DikemanDirector
Nan PiersonDirector
Sandy Stevens-BerensDirector
James HanlonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$179,263
Investment Income
$20,260
Other Revenue
$0
Change in Net Assets
$-3,042
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$116,824
Other Expenses$85,741
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---$56,670
Other Employee Benefits---$28,819
Other Salaries and Wages---$24,864
Information Technology---$19,045
Office Expenses---$7,772
Payroll Taxes---$6,471
All Other Expenses---$6,066
Insurance---$5,222
Payments to Affiliates---$4,158
Other Expenses-$3,511-$3,511
Fees for Services Accounting---$3,342
Occupancy---$3,000
Conferences and Meetings---$2,574
Depreciation Depletion---$916
Advertising---$641
Fees for Services Legal---$241
Travel---$209
Total Functional Expenses$0$0$0$202,565
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$3,716,889
Accrued Dividends$1,102
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
Yes
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

“Management reviews the prepared 990 before it is filed.”

Conflict of interest policy compliance Part VI line 12C

“Code of Ethics annually”

CEO executive director top management comp Part VI line 15A

“Chairman of the board reviewed w/president and president reviewed with staff”

Other officer or key employee compensation Part VI line 15B

“Chairman of the board reviewed w/president and president reviewed with staff”

Governing documents etc available to public Part VI line 19

“Upon Request”

Filing and Contact Details

Filer

EIN
39-6098017

Signing Officer

Name
Patti L Schuppe
Title
PresidentTreas
Phone
9207382082
Signed
2014-10-27
Discuss with paid preparer
No

Organization Details

Principal Officer
Patti Schuppe
Formed
1966
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
6
Employees
2
Volunteers
9

Preparer

Preparer
Cari Thompson
Phone
2625490200
Raw XML Appendix347 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/AllOtherExpensesGrp/TotalAmt06066
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IRS990/BackupWthldComplianceInd0true
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IRS990/BooksInCareOfDetail/PhoneNum09207382082
IRS990/BooksInCareOfDetail/USAddress/AddressLine101506 S Oneida Street
IRS990/BooksInCareOfDetail/USAddress/City0Appleton
IRS990/BooksInCareOfDetail/USAddress/State0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode054915
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IRS990/CashNonInterestBearingGrp/BOYAmt081016
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IRS990/CollectionsOfArtInd0false
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IRS990/CompensationProcessOtherInd0true
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IRS990/ConsolidatedAuditFinclStmtInd0false
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IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0916
IRS990/Desc0We have 1973 deposit, transaction, and investment accounts with our members at 12/31/13. During 2013, we opened 123 new deposit, transaction and investment accounts.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
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IRS990/Form990PartVIISectionAGrp/PersonNm3James Hanlon
IRS990/Form990PartVIISectionAGrp/PersonNm4Sandy Stevens-Berens
IRS990/Form990PartVIISectionAGrp/PersonNm5Mark Delfosse
IRS990/Form990PartVIISectionAGrp/PersonNm6Patti Schuppe
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt6PresidentTreasurer
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/GrantToRelatedPersonInd0false
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IRS990/MoreThan5000KToIndividualsInd0false
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IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/OperateHospitalInd0false
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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/ExplanationTxt3Management reviews the prepared 990 before it is filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Code of Ethics annually
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Chairman of the board reviewed w/president and president reviewed with staff
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Chairman of the board reviewed w/president and president reviewed with staff
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Upon 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/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04544845
IRS990/TotalAssetsEOYAmt04414275
IRS990/TotalAssetsGrp/BOYAmt04544845
IRS990/TotalAssetsGrp/EOYAmt04414275
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0202565
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03852979
IRS990/TotalLiabilitiesEOYAmt03725451
IRS990/TotalLiabilitiesGrp/BOYAmt03852979
IRS990/TotalLiabilitiesGrp/EOYAmt03725451
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0691866
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0688824
IRS990/TotalOtherCompensationAmt04342
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0273
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0273
IRS990/TotalProgramServiceRevenueAmt0179263
IRS990/TotalReportableCompFromOrgAmt056670
IRS990/TotalRevenueGrp/ExclusionAmt020260
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0179263
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0199523
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04544845
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04414275
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0209
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.stelizcu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Patti L Schuppe
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PresidentTreas
ReturnHeader/BusinessOfficerGrp/PhoneNum09207382082
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-27
ReturnHeader/Filer/BusinessName/BusinessNameLine10St Elizabeth Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0STEL
ReturnHeader/Filer/EIN0396098017
ReturnHeader/Filer/USAddress/AddressLine101506 S Oneida Street
ReturnHeader/Filer/USAddress/City0Appleton
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054915
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/PreparationDt02014-11-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-11-11T16:12:59-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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