Community Credit Union
Nonprofit profile at a glance
- EIN
- 390837827
- IRS 990 coverage
- 2010–2015
- Forms available
- Form 990 2015
- Location
- La Crosse, WI, USA
- Phone
- 6087792400
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $4,525,901
- Expenses
- $3,923,493
- Assets
- $0
- Liabilities
- $0
Source: IRS Form 990. Selected filing: tax year 2015. Amounts in USD.
Leadership & pay
9 people listed
Executive titles in this filing
- CHRIS BUTLER (CEO/PRESIDENT)
Highest reported compensation
- CHRIS BUTLER (CEO/PRESIDENT): $198,946 total reported compensation
- ANGIE DOUGLAS (VP FINANCE): $76,094 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2015. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
A credit union that provides financial services and puts members at the center of all decisions.
What it reported doing in 2015
Community credit union provides financial services to members.
Operating model
- Revenue model
- Earned-program. 82% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 71
- Accountability: 86
- Sustainability: 40
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 62nd percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 67
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 13.3%; rating input score 77; 77th percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 0; 0th percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 7%; rating input score 34; 34th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: -6% per year; rating input score 0; 9th percentile among comparable filings
- Asset growth: -15% per year; rating input score 0; 4th percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 7 of 7 board members independent · 6 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $199K · 9 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 3 contractors listed · $647K reported
- Consistency: 8 of 8 current checks pass
- Schedules: 4 filed schedules · includes executive pay
- Filing history: 6 filing years from 2010 to 2015
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.
- High — Growth: Revenue growth scored 0/100.
- Review — Accountability: Governance controls: 2 of 8 not reported.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Total-asset coverage ratio scored 0/100.
- Moderate — Sustainability: Officer compensation ratio scored 34/100.
- High — Grant Readiness: Automatic revocation: this organization had its federal tax-exempt status automatically revoked.