Civic Intelligence

Triangle Credit Union

990 • Fiscal year 2013 • EIN 23-7155635

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 28, 2014

Organization ProfileN/A

View Organization Page

12251 S 80th Avenue60463

(708) 923-4602

Siviq Scores

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

Liabilities / Assets

68th percentile

0.89x

Higher debt load relative to assets than 68% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

100th percentile

50.45x

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

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

80th percentile

13%

Higher net margin than 80% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

16th percentile

$36,447

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 12.8% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

9th percentile

-4.5%

Faster asset growth than 9% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets68th percentile

Assets

Down

$16,131,965

Down $759,128 (-4.5%) from 2012

Net Assets

Up

$1,781,560

Up $37,646 (+2.2%) from 2012

Liabilities

Down

$14,350,405

Down $796,774 (-5.3%) from 2012

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin80th percentile

Revenue

$284,437

No earlier filing loaded for comparison.

Expenses

Down

$246,621

Down $41,555 (-14%) from 2012

Net Income

$37,816

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

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

$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

2013

Assets$16,131,965
Liabilities$14,350,405
Net Assets$1,781,560
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$284,437
Expenses$246,621
Net Income$37,816
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 28, 2014
Return Version
2013v3.1
Gross Receipts
$284,437
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$14,994,767$14,032,748▼ $962,019
Rtn Earn Endowment Incm Other Fnds$1,743,914$1,781,560▲ $37,646
Other Notes and Loans Receivable, Net$1,154,538$1,187,162▲ $32,624
Cash and Non-Interest-Bearing Accounts$550,931$723,125▲ $172,194
Prepaid Expenses and Deferred Charges$13,009$13,679▲ $670
Accounts Receivable$12,456$9,154▼ $3,302
Investments Program Related$3,927$3,927→ $0
Investments Other Securities$4,455$3,845▼ $610
Land, Buildings, and Equipment, Net$5,175$3,585▼ $1,590
Receivables From Officers Etc$2,577$595▼ $1,982
Total Assets$16,891,093$16,131,965▼ $759,128
Other Assets Total$149,258$154,145▲ $4,887
Liabilities
Other Liabilities$15,117,267$14,327,846▼ $789,421
Accounts Payable and Accrued Expenses$29,912$22,559▼ $7,353
Total Liabilities$15,147,179$14,350,405▼ $796,774
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,743,914$1,781,560▲ $37,646
Total Liabilities and Net Assets / Fund Balance$16,891,093$16,131,965▼ $759,128

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,585$6,671$10,256
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleBaseTotal
James WalshDirector$36,447$36,447

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$75,323
Investment Income
$205,359
Other Revenue
$3,755
Change in Net Assets
$37,816
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$174,192
Salaries, Compensation, and Employee Benefits$72,429
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$126,886--$126,886
Current Officers, Directors, Trustees, and Key Employees$36,447--$36,447
Other Salaries and Wages$30,485--$30,485
All Other Expenses$22,225--$22,225
Fees for Services Accounting$13,053--$13,053
Office Expenses$7,895--$7,895
Insurance$5,940--$5,940
Payroll Taxes$5,412--$5,412
Conferences and Meetings$2,395--$2,395
Advertising$1,964--$1,964
Depreciation Depletion$1,590--$1,590
Other Expenses$584--$584
Pension Plan Contributions$85--$85
Total Functional Expenses$246,621$0$0$246,621
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$2,577$595▼ $1,982
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$13,870,612
Club Accounts$268,831
Certificates$188,403
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

“Becky anuskiewicz 10 s. 161 wallace downers grove il 60516 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 marion baron 7700 marquette tinley park il 60477 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”

Filing and Contact Details

Filer

EIN
23-7155635
Phone
7089234602

Signing Officer

Name
Mary Ellen Brendich
Title
Treasurer
Phone
7089234602
Signed
2014-03-28
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

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 annual 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 dept of the sponsor co, palos community hospital”

Pt VI, Line 15B

“The board uses comparable data and consults the hr dept of the sponsor co, palos community 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 5657. 5657. Ncusif stabilization exp 9507. 9507. Premium expense -26. -26. Safekeeping fees 1916. 1916. Visa expense 3218. 3218. Internet banking 1953. 1953.”

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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01187162
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IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt05412
IRS990/PayrollTaxesGrp/TotalAmt05412
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt085
IRS990/PensionPlanContributionsGrp/TotalAmt085
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt013009
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt013679
IRS990/PrincipalOfcrBusinessAddress/BusinessNameLine10MARY ELLEN BRENDICH
IRS990/PriorPeriodAdjustmentsAmt0-170
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522190
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt075323
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0254125
IRS990/PYOtherExpensesAmt0221959
IRS990/PYOtherRevenueAmt01847
IRS990/PYProgramServiceRevenueAmt091206
IRS990/PYRevenuesLessExpensesAmt059002
IRS990/PYSalariesCompEmpBnftPaidAmt066217
IRS990/PYTotalExpensesAmt0288176
IRS990/PYTotalRevenueAmt0347178
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02577
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0595
IRS990/ReconcilationRevenueExpnssAmt037816
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01743914
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01781560
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014994767
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014032748
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt03585
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06671
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010256
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013870612
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1268831
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2188403
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLUB ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03585
IRS990ScheduleD/TotalLiabilityAmt014327846
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0595
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt07500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt27500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JOHN SCARANO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JAMES SHEEHY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MARION BARON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt0595
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION ARE CONSIDERED SHAREHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD REVIEWS THE 990 AT THE MONTHLY MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD USES COMPARABLE DATA AND CONSULTS THE HR DEPT OF THE SPONSOR CO, PALOS COMMUNITY HOSPITAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD USES COMPARABLE DATA AND CONSULTS THE HR DEPT OF THE SPONSOR CO, PALOS COMMUNITY HOSPITAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION USES A MODIFIED CASH BASIS OF ACCOUNTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7BECKY ANUSKIEWICZ 10 S. 161 WALLACE DOWNERS GROVE IL 60516 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 MARION BARON 7700 MARQUETTE TINLEY PARK IL 60477 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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MISCELLANEOUS OPER 5657. 5657. NCUSIF STABILIZATION EXP 9507. 9507. PREMIUM EXPENSE -26. -26. SAFEKEEPING FEES 1916. 1916. VISA EXPENSE 3218. 3218. INTERNET BANKING 1953. 1953.
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
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt016131965
IRS990/TotalAssetsGrp/BOYAmt016891093
IRS990/TotalAssetsGrp/EOYAmt016131965
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0246621
IRS990/TotalFunctionalExpensesGrp/TotalAmt0246621
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015147179
IRS990/TotalLiabilitiesEOYAmt014350405
IRS990/TotalLiabilitiesGrp/BOYAmt015147179
IRS990/TotalLiabilitiesGrp/EOYAmt014350405
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01743914
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01781560
IRS990/TotalProgramServiceRevenueAmt075323
IRS990/TotalReportableCompFromOrgAmt036447
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0284437
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0284437
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016891093
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016131965
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1012251 S 80TH AVE
IRS990/USAddress/City0PALOS HEIGHTS
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode060463

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,131,965
Liabilities
$14,350,405
Net assets
$1,781,560
Revenue
$284,437
Expenses
$246,621
Net income
$37,816
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