Civic Intelligence

Triangle Credit Union

EIN 23-7155635 • 501(c)14 • Palos Heights, IL

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Profile

CREDIT UNION

12251 S 80th AvenuePalos Heights, IL 60463

n/A

Siviq Scores

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

Liabilities / Assets

58th percentile

0.88x

Higher debt load relative to assets than 58% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

100th percentile

59.24x

Higher debt load relative to revenue than 100% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

74th percentile

18%

Higher net margin than 74% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

13th percentile

-8.4%

Faster asset growth than 13% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

5th percentile

-23%

Faster revenue growth than 5% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$14,769,930

Down $1,362,035 (-8.4%) from 2013

Liabilities

Down

$12,948,973

Down $1,401,432 (-9.8%) from 2013

Net Assets

Up

$1,820,957

Up $39,397 (+2.2%) from 2013

Operations
Liabilities / Revenue100th percentileNet Margin74th percentile

Revenue

Down

$218,585

Down $65,852 (-23%) from 2013

Expenses

Down

$179,168

Down $67,453 (-27%) from 2013

Net Income

Up

$39,417

Up $1,601 (+4.2%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $16,942,633Liabilities 2010: $15,368,275Net Assets 2010: $1,574,3582010Assets 2011: $16,339,971Liabilities 2011: $14,655,096Net Assets 2011: $1,684,8752011Assets 2012: $16,891,093Liabilities 2012: $15,147,179Net Assets 2012: $1,743,9142012Assets 2013: $16,131,965Liabilities 2013: $14,350,405Net Assets 2013: $1,781,5602013Assets 2014: $14,769,930Liabilities 2014: $12,948,973Net Assets 2014: $1,820,9572014

Highlighted filing

2014

Assets$14,769,930
Liabilities$12,948,973
Net Assets$1,820,957
Open 2014 Filing

Operations Trend

Revenue Growth5th percentile

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

$400K$300K$200K$100K$0Expenses 2010: $387,9682010Expenses 2011: $316,0672011Expenses 2012: $288,1762012Revenue 2013: $284,437Expenses 2013: $246,621Net Income 2013: $37,8162013Revenue 2014: $218,585Expenses 2014: $179,168Net Income 2014: $39,4172014

Highlighted filing

2014

Revenue$218,585
Expenses$179,168
Net Income$39,417
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,769,930
Liabilities
$12,948,973
Net assets
$1,820,957
Revenue
$218,585
Expenses
$179,168
Net income
$39,417
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$14.8$12.9$1.82$0.22$0.18$0.04
2013Detailed filing. Detailed filing data is available for this year.$16.1$14.4$1.78$0.28$0.25$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.9$15.1$1.74$0.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.3$14.7$1.68$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.9$15.4$1.57$0.39
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 3, 2015
Return Version
2014v5.0
Gross Receipts
$218,585
Mission and Program Overview

Mission

CREDIT UNION

Credit union to promote thrift and provide low cost loans among members. This is accomplished on a co-operative basis for the mutual benefit of those within the field of membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$14,032,748$12,909,397▼ $1,123,351
Rtn Earn Endowment Incm Other Fnds$1,781,560$1,820,957▲ $39,397
Other Notes and Loans Receivable, Net$1,187,162$1,245,969▲ $58,807
Cash and Non-Interest-Bearing Accounts$723,125$424,304▼ $298,821
Receivables From Officers Etc$595$22,364▲ $21,769
Prepaid Expenses and Deferred Charges$13,679$8,581▼ $5,098
Accounts Receivable$9,154$4,383▼ $4,771
Investments Program Related$3,927$3,927→ $0
Investments Other Securities$3,845$3,087▼ $758
Land, Buildings, and Equipment, Net$3,585$2,264▼ $1,321
Total Assets$16,131,965$14,769,930▼ $1,362,035
Other Assets Total$154,145$145,654▼ $8,491
Liabilities
Other Liabilities$14,327,846$12,936,269▼ $1,391,577
Accounts Payable and Accrued Expenses$22,559$12,704▼ $9,855
Total Liabilities$14,350,405$12,948,973▼ $1,401,432
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,781,560$1,820,957▲ $39,397
Total Liabilities and Net Assets / Fund Balance$16,131,965$14,769,930▼ $1,362,035

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,264$7,992$10,256
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleBaseTotal
James WalshDirector$28,807$28,807

Board Members and Trustees

NameTitle
Michael RauwolfChairperson
Timothy TkachVice-chairperson
Debra OksanenDirector
Donna OffermanDirector
James SheehyDirector
John ScaranoDirector
Kenneth LashDirector
Linda NealisDirector
Lisa SchmidtDirector
Lori Mazeika-myreDirector
Mary DenisienkoDirector
Maureen FitzgibbensDirector
Maribeth MinnickManager
Georgene GawelSecretary
Mary Ellen BrendichTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$68,846
Investment Income
$145,792
Other Revenue
$3,947
Change in Net Assets
$39,417
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$109,987
Salaries, Compensation, and Employee Benefits$69,181
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$58,146$0$0$58,146
Other Salaries and Wages$35,307$0$0$35,307
Current Officers, Directors, Trustees, and Key Employees$28,807$0$0$28,807
Fees for Services Accounting$10,260$0$0$10,260
Office Expenses$7,794$0$0$7,794
All Other Expenses$6,800$0$0$6,800
Insurance$5,940$0$0$5,940
Advertising$5,004$0$0$5,004
Payroll Taxes$4,982$0$0$4,982
Conferences and Meetings$3,497$0$0$3,497
Depreciation Depletion$1,320$0$0$1,320
Other Expenses$420$0$0$420
Pension Plan Contributions$85$0$0$85
Total Functional Expenses$179,168$0$0$179,168
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$595$22,364▲ $21,769
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$12,589,946
Club Accounts$281,244
Certificates$65,079
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 9

“John scarano 1208 sequoia naperville il 60540 georgene gawel 9231 walnut lane tinley park il 60477 mary ellen brendich 9255 s lawndale evergreen park il 60805 maureen fitzgibbons 5819 s austin chicago il 60638 kenneth lash 5223 harcourt oak forest il 60452 lori mazeika-myre 14036 sea biscuit ct orland park il 60467 linda nealis 7331 devereaux rd downers grove il 60516 donna offerman 17607 westbrook dr oralnd park il 60467 debra oksanen 20456 s white fence ct frankfort il 60423 michael rauwolf 22”

Filing and Contact Details

Filer

Filer Name
Triangle Credit Union
EIN
23-7155635
Phone
7089234602
Address
12251 S 80TH AVENUE, PALOS HEIGHTS, IL 60463

Signing Officer

Name
Mary Ellen Brendich
Title
Treasurer
Phone
7089234602
Signed
2015-05-03
Discuss with paid preparer
Yes

Organization Details

Formed
1971
Legal Domicile
Il
Voting Board Members
15
Independent Board Members
15
Employees
2
Volunteers
15

Preparer

Firm
Homer Wilson & Co Ltd
Address
900 RIDGE ROAD SUITE S, MUNSTER, IN 46321-1727
Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Members of the credit union are considered shareholders”

Pt VI, Line 7A

“Members elect the board of directors at the annaul meeting”

Pt VI, Line 11B

“The board reviews the 990 at the monthly meeting”

Pt VI, Line 15A

“The board uses comparable data and consults the hr department of the sponsor co, palos community hospital”

Pt VI, Line 15B

“The board uses comparable data and consults the hr department of the sponsor co, palos communtiy hospital”

Pt XII, Line 1

“The credit union uses a modified cash basis of accounting”

Pt VI, Line 19

“Documents are available upon request”

Form 990, Part IX, Line 24F

“Miscellaneous oper 4598. 4598. 0. 0. Ncusif stabilization exp -6634. -6634. 0. 0. Premium expense 38. 38. 0. 0. Safekeeping fees 1193. 1193. 0. 0. Visa expense 3678. 3678. 0. 0. Internet banking 3927. 3927. 0. 0.”

Raw XML AppendixShowing 400 of 466 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/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt01820957
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IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
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IRS990/OfficeExpensesGrp/TotalAmt07794
IRS990/OfficerMailingAddressInd0true
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0154145
IRS990/OtherAssetsTotalGrp/EOYAmt0145654
IRS990/OtherExpensesGrp/Desc0ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3SUPPLIES
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt08904
IRS990/OtherExpensesGrp/ProgramServicesAmt1500
IRS990/OtherExpensesGrp/ProgramServicesAmt21402
IRS990/OtherExpensesGrp/ProgramServicesAmt3420
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IRS990/OtherExpensesGrp/TotalAmt1500
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IRS990/OtherExpensesGrp/TotalAmt3420
IRS990/OtherLiabilitiesGrp/BOYAmt014327846
IRS990/OtherLiabilitiesGrp/EOYAmt012936269
IRS990/OtherRevenueMiscGrp/BusinessCd0522190
IRS990/OtherRevenueMiscGrp/BusinessCd1522190
IRS990/OtherRevenueMiscGrp/Desc0FEES AND CHARGES
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS OPER
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1650
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1650
IRS990/OtherRevenueTotalAmt03947
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
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IRS990/OtherSalariesAndWagesGrp/TotalAmt035307
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01187162
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01245969
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt04982
IRS990/PayrollTaxesGrp/TotalAmt04982
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
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IRS990/PensionPlanContributionsGrp/TotalAmt085
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt013679
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08581
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0MARY ELLEN BRENDICH
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
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IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0205359
IRS990/PYOtherExpensesAmt0174192
IRS990/PYOtherRevenueAmt03755
IRS990/PYProgramServiceRevenueAmt075323
IRS990/PYRevenuesLessExpensesAmt037816
IRS990/PYSalariesCompEmpBnftPaidAmt072429
IRS990/PYTotalExpensesAmt0246621
IRS990/PYTotalRevenueAmt0284437
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0595
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt022364
IRS990/ReconcilationRevenueExpnssAmt039417
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01781560
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01820957
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014032748
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012909397
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt02264
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07992
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010256
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012589946
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1281244
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt265079
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLUB ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02264
IRS990ScheduleD/TotalLiabilityAmt012936269
IRS990/ScheduleJRequiredInd0false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt120514
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2NEW CAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt07500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt232350
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JOHN SCARANO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JAMES SHEEHY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2LORI SCHMIDT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt022364
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION ARE CONSIDERED SHAREHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNAUL MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD REVIEWS THE 990 AT THE MONTHLY MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD USES COMPARABLE DATA AND CONSULTS THE HR DEPARTMENT OF THE SPONSOR CO, PALOS COMMUNITY HOSPITAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD USES COMPARABLE DATA AND CONSULTS THE HR DEPARTMENT OF THE SPONSOR CO, PALOS COMMUNTIY HOSPITAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION USES A MODIFIED CASH BASIS OF ACCOUNTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7JOHN SCARANO 1208 SEQUOIA NAPERVILLE IL 60540 GEORGENE GAWEL 9231 WALNUT LANE TINLEY PARK IL 60477 MARY ELLEN BRENDICH 9255 S LAWNDALE EVERGREEN PARK IL 60805 MAUREEN FITZGIBBONS 5819 S AUSTIN CHICAGO IL 60638 KENNETH LASH 5223 HARCOURT OAK FOREST IL 60452 LORI MAZEIKA-MYRE 14036 SEA BISCUIT CT ORLAND PARK IL 60467 LINDA NEALIS 7331 DEVEREAUX RD DOWNERS GROVE IL 60516 DONNA OFFERMAN 17607 WESTBROOK DR ORALND PARK IL 60467 DEBRA OKSANEN 20456 S WHITE FENCE CT FRANKFORT IL 60423 MICHAEL RAUWOLF 22
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MISCELLANEOUS OPER 4598. 4598. 0. 0. NCUSIF STABILIZATION EXP -6634. -6634. 0. 0. PREMIUM EXPENSE 38. 38. 0. 0. SAFEKEEPING FEES 1193. 1193. 0. 0. VISA EXPENSE 3678. 3678. 0. 0. INTERNET BANKING 3927. 3927. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt XII, Line 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false

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