Civic Intelligence

Baxter Credit Union

990 • Fiscal year 2015 • EIN 23-7250155

Jan 01, 2015 to Dec 31, 2015 • Filed on May 13, 2016

Organization Profilebcu.org

View Organization Page

340 North Milwaukee AvenueVernon Hills, IL 60061

(800) 388-7000

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

6th percentile

14.22x

Higher debt load relative to revenue than 6% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

46th percentile

19%

Higher net margin than 46% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

55th percentile

$893,402

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 0.6% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

77th percentile

12%

Faster asset growth than 77% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

78th percentile

12%

Faster revenue growth than 78% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$2,358,314,772

Up $250,564,207 (+12%) from 2014

Net Assets

Up

$234,471,677

Up $28,566,792 (+14%) from 2014

Liabilities

Up

$2,123,843,095

Up $221,997,415 (+12%) from 2014

Revenue And Expenses
Liabilities / Revenue6th percentileNet Margin46th percentile

Revenue

Up

$149,320,698

Up $15,507,756 (+12%) from 2014

Expenses

Up

$120,701,174

Up $14,340,247 (+13%) from 2014

Net Income

Up

$28,619,524

Up $1,167,509 (+4.3%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $1,443,953,570Liabilities 2010: $1,332,796,475Net Assets 2010: $111,157,0952010Assets 2011: $1,580,220,615Liabilities 2011: $1,450,387,237Net Assets 2011: $129,833,3782011Assets 2012: $1,778,825,531Liabilities 2012: $1,627,827,280Net Assets 2012: $150,998,2512012Assets 2014: $2,107,750,565Liabilities 2014: $1,901,845,680Net Assets 2014: $205,904,8852014Assets 2015: $2,358,314,772Liabilities 2015: $2,123,843,095Net Assets 2015: $234,471,6772015Assets 2016: $2,629,405,006Liabilities 2016: $2,367,050,276Net Assets 2016: $262,354,7302016Assets 2017: $2,947,983,587Liabilities 2017: $2,657,257,144Net Assets 2017: $290,726,4432017Assets 2018: $3,483,954,445Liabilities 2018: $3,158,288,547Net Assets 2018: $325,665,8982018Assets 2020: $4,476,609,953Liabilities 2020: $4,061,186,751Net Assets 2020: $415,423,2022020Assets 2021: $5,072,223,238Liabilities 2021: $4,584,267,558Net Assets 2021: $487,955,6802021Assets 2022: $5,751,484,149Liabilities 2022: $5,246,732,646Net Assets 2022: $504,751,5032022

Highlighted filing

2015

Assets$2,358,314,772
Liabilities$2,123,843,095
Net Assets$234,471,677
Open 2015 Filing

Operations Trend

Revenue Growth78th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$400M$300M$200M$100M$0Expenses 2010: $110,530,4122010Expenses 2011: $104,002,7722011Expenses 2012: $105,921,5372012Revenue 2014: $133,812,942Expenses 2014: $106,360,927Net Income 2014: $27,452,0152014Revenue 2015: $149,320,698Expenses 2015: $120,701,174Net Income 2015: $28,619,5242015Revenue 2016: $165,334,018Expenses 2016: $136,780,152Net Income 2016: $28,553,8662016Revenue 2017: $192,716,840Expenses 2017: $164,439,417Net Income 2017: $28,277,4232017Revenue 2018: $238,305,161Expenses 2018: $203,333,006Net Income 2018: $34,972,1552018Revenue 2020: $274,030,926Expenses 2020: $239,877,914Net Income 2020: $34,153,0122020Revenue 2021: $316,168,145Expenses 2021: $240,408,034Net Income 2021: $75,760,1112021Revenue 2022: $350,442,030Expenses 2022: $293,104,697Net Income 2022: $57,337,3332022

Highlighted filing

2015

Revenue$149,320,698
Expenses$120,701,174
Net Income$28,619,524
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$149,320,698
Mission and Program Overview

Mission

The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to it members located throughout the US and Puerto Rico using various channels including branches, a call center, and the internet.

The organization is a full service, state-chartered credit union providing a broad range of loan and products and other financial services to its members located throughout the US using various channels including branches, a call center, and the internet.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,841,830,206$2,048,777,096▲ $206,946,890
Rtn Earn Endowment Incm Other Fnds$205,904,885$234,471,677▲ $28,566,792
Savings and Temporary Cash Investments$57,863,156$152,508,959▲ $94,645,803
Investments in Publicly Traded Securities$40,335,867$35,165,584▼ $5,170,283
Land, Buildings, and Equipment, Net$24,257,606$23,128,593▼ $1,129,013
Investments Other Securities$10,869,969$9,895,898▼ $974,071
Cash and Non-Interest-Bearing Accounts$9,757,686$9,517,442▼ $240,244
Prepaid Expenses and Deferred Charges$1,989,684$2,969,764▲ $980,080
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,107,750,565$2,358,314,772▲ $250,564,207
Other Assets Total$120,846,391$76,351,436▼ $44,494,955
Liabilities
Other Liabilities$1,826,646,870$2,053,055,110▲ $226,408,240
Mortgage Notes Payable Secured by Investment Property$45,000,000$45,000,000→ $0
Accounts Payable and Accrued Expenses$30,198,810$25,787,985▼ $4,410,825
Total Liabilities$1,901,845,680$2,123,843,095▲ $221,997,415
Net Assets / Fund Balance
Total Net Assets Fund Balance$205,904,885$234,471,677▲ $28,566,792
Total Liabilities and Net Assets / Fund Balance$2,107,750,565$2,358,314,772▲ $250,564,207

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,526,158$995,261$0
Other Land Buildings$1,570,771$0$0
Land$1,505,480-$0
Equipment$14,035,378$40,721,244$0
Leasehold Improvements$4,490,806$9,273,580$0
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleOtherTotal
Tom MooreEvp$472,714$472,714
James BlockSVP/Chief Loan Officer$286,682$286,682
Carey PriceSVP/Sales and Service$206,826$206,826
Pete SedwickDirector/Information Systems$181,045$181,045

Board Members and Trustees

NameTitle
Thomas HodsonChairman
Michael ValentinePresident, CEO and Treassurer
Margot KaplanVice Chairperson
Charles ThurmanDirector
David DrohanDirector
Jeffery BaileyDirector
Michael BaughmanDirector
Michael CurranDirector
Ron LabrumDirector
Thomas AbateDirector
Robert BenzingerDirector and Secretary
Robert McKayCOO and EVP
Tom MooreEVP/Assistant Treasurer
Bryan FarrisseyInvestment Advisor
Richard ChambersInvestment Advisors
Richard OrrInvestment Advisors
Carl PrestoSVP/CFO
Lisa BaronSVP/hr
Jeffery JohnsonSVP/Info Systems
James BlockSVP/Lending
David BlumVP Corporate Relationships and Services
Douglas WrightVP/Audit
David BrydunVP/Consumer Lending
Tudor EnoiuVP/Consumer Lending Risk
Charles SmithVP/Controller
Kenneth DryfthoutVP/Finance
Sarah ThorrensVP/Human Resources
Pete SedwickVP/Information Systems
Scott ZulpoVP/Information Technology
John SahagianVP/Marketing
Patti DixonVP/Member Experience
Herbert BehrensVP/Mortgages
Carey PriceVP/Sales and Service
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$147,708,711
Investment Income
$1,611,987
Other Revenue
$0
Change in Net Assets
$28,619,524

Audited Revenue Reconciliation

Revenue per Audited Statements
$149,320,698
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$149,320,698
Total Revenue per Form 990
$149,320,698
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$76,902,055
Salaries, Compensation, and Employee Benefits$43,799,119
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$33,621,983
Other Expenses---$16,339,288
All Other Expenses---$12,011,627
Depreciation Depletion---$6,723,182
Other Employee Benefits---$5,533,309
Office Expenses---$3,943,242
Information Technology---$3,838,338
Occupancy---$3,265,324
Fees for Services Other---$3,195,671
Payroll Taxes---$2,839,421
Advertising---$2,581,098
Pension Plan Contributions---$1,804,406
Interest---$1,419,258
Conferences and Meetings---$1,413,159
Insurance---$263,942
Fees for Services Legal---$141,407
Fees for Services Accounting---$53,286
Total Functional Expenses$0$0$0$120,701,174

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$120,701,174
Total Expenses per Audited Statements$120,701,174
Total Expenses per Form 990$120,701,174
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$15,000
Total Exempt Function Spending$15,000
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$15,000
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Patrick Valentinebrotherlandscaping and snow removalNo$130,391
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
member shares$2,053,055,110
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
Yes
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
Yes
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

Form 990, Part VI, Section A, Line 6

“our credit union members elect directors and appoint an outside auditor during the annual meeting held in March. One of the directors is the President of the credit union.”

Form 990, Part VI, Section A, Line 7A

“our credit union members elect directors and appoint an outside auditor during the annual meeting held in March. One of the directors is the President of the credit union.”

Form 990, Part VI, Section A, Line 7B

“our credit union members elect directors and appoint an outside auditor during the annual meeting held in March. One of the directors is the President of the credit union.”

Form 990, Part VI, Section B, Line 11B

“form 990 is reviewed for accuracy by the Controller and CFO before submitted to the IRS.”

Form 990, Part VI, Section B, Line 12C

“the credit union has a written code of conduct which includes a "conflict of interest" clause requiring all employees to complete an online form.”

Form 990, Part VI, Section B, Line 15

“compensation was determined by reviewing third party benchmarks which were reviewed by the Executive Committee of the Board of Directors for final determination.”

Form 990, Part VI, Section C, Line 19

“the credit union will provide its governing documents, interest policy, and financial statements to its membership upon request.”

Filing and Contact Details

Filer

Filer Name
Baxter Credit Union
EIN
23-7250155
Phone
8003887000
Address
340 North Milwaukee Avenue, Vernon Hills, IL 60061

Signing Officer

Name
Chuck Smith
Title
Controller
Phone
8479328401
Signed
2016-05-13

Organization Details

Principal Officer
Mike Valentine
Formed
1981
Legal Domicile
Il
Voting Board Members
1
Independent Board Members
12
Employees
0
Volunteers
5
Raw XML AppendixShowing 400 of 1,076 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/Form990PartVIISectionAGrp/OtherCompensationAmt220
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt230
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt240
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt250
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt260
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt270
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt280
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt290
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt300
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt310
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt320
IRS990/Form990PartVIISectionAGrp/PersonNm0Thomas Hodson
IRS990/Form990PartVIISectionAGrp/PersonNm1Margot Kaplan
IRS990/Form990PartVIISectionAGrp/PersonNm2Thomas Abate
IRS990/Form990PartVIISectionAGrp/PersonNm3Michael Baughman
IRS990/Form990PartVIISectionAGrp/PersonNm4Robert Benzinger
IRS990/Form990PartVIISectionAGrp/PersonNm5Michael Curran
IRS990/Form990PartVIISectionAGrp/PersonNm6David Drohan
IRS990/Form990PartVIISectionAGrp/PersonNm7Ron Labrum
IRS990/Form990PartVIISectionAGrp/PersonNm8Jeffery Bailey
IRS990/Form990PartVIISectionAGrp/PersonNm9Charles Thurman
IRS990/Form990PartVIISectionAGrp/PersonNm10Michael Valentine
IRS990/Form990PartVIISectionAGrp/PersonNm11Lisa Baron
IRS990/Form990PartVIISectionAGrp/PersonNm12Tom Moore
IRS990/Form990PartVIISectionAGrp/PersonNm13Herbert Behrens
IRS990/Form990PartVIISectionAGrp/PersonNm14John Sahagian
IRS990/Form990PartVIISectionAGrp/PersonNm15James Block
IRS990/Form990PartVIISectionAGrp/PersonNm16Patti Dixon
IRS990/Form990PartVIISectionAGrp/PersonNm17Carey Price
IRS990/Form990PartVIISectionAGrp/PersonNm18Douglas Wright
IRS990/Form990PartVIISectionAGrp/PersonNm19Charles Smith
IRS990/Form990PartVIISectionAGrp/PersonNm20Carl Presto
IRS990/Form990PartVIISectionAGrp/PersonNm21Sarah Thorrens
IRS990/Form990PartVIISectionAGrp/PersonNm22Kenneth Dryfthout
IRS990/Form990PartVIISectionAGrp/PersonNm23David Blum
IRS990/Form990PartVIISectionAGrp/PersonNm24Scott Zulpo
IRS990/Form990PartVIISectionAGrp/PersonNm25David Brydun
IRS990/Form990PartVIISectionAGrp/PersonNm26Jeffery Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm27Richard Orr
IRS990/Form990PartVIISectionAGrp/PersonNm28Bryan Farrissey
IRS990/Form990PartVIISectionAGrp/PersonNm29Richard Chambers
IRS990/Form990PartVIISectionAGrp/PersonNm30Tudor Enoiu
IRS990/Form990PartVIISectionAGrp/PersonNm31Pete Sedwick
IRS990/Form990PartVIISectionAGrp/PersonNm32Robert McKay
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt260
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt270
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt280
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt310
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt320
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10893402
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt11344886
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt12472714
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt13220428
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt14203704
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt15286682
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt16222929
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt17206826
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt18217837
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt19239016
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20244360
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt21231585
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt22180390
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt23217615
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt24139016
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt25167162
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt26324533
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt27189295
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt28183368
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt29286295
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30200632
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt31181045
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt32124319
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director and Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10President, CEO and Treassurer
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP/HR
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP/Mortgages
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP/Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP/Chief Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP/Member Experience
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP/Sales and Service
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/Audit
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP/Human Resources
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP/Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP Corporate Relationships and Services
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP/Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt25VP/Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt26SVP/Info Systems
IRS990/Form990PartVIISectionAGrp/TitleTxt27Investment Advisors
IRS990/Form990PartVIISectionAGrp/TitleTxt28Investment Advisor
IRS990/Form990PartVIISectionAGrp/TitleTxt29Investment Advisors
IRS990/Form990PartVIISectionAGrp/TitleTxt30VP/Consumer Lending Risk
IRS990/Form990PartVIISectionAGrp/TitleTxt31Director/Information Systems
IRS990/Form990PartVIISectionAGrp/TitleTxt32COO and EVP
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01981
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt01
IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
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IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
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IRS990/IndoorTanningServicesInd00
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IRS990/InsuranceGrp/TotalAmt0263942
IRS990/InterestGrp/TotalAmt01419258
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
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IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt09895898
IRS990/InvestmentsPubTradedSecGrp/BOYAmt040335867
IRS990/InvestmentsPubTradedSecGrp/EOYAmt035165584
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipCostOrOtherBssAmt074118678
IRS990/LegalDomicileStateCd0IL
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IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to it members located throughout the US using various channels including branches, a call center, and the internet.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt0234471677
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IRS990/NetUnrlzdGainsLossesInvstAmt0-52732
IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/TotalAmt03943242
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,358,314,772
Liabilities
$2,123,843,095
Net assets
$234,471,677
Revenue
$149,320,698
Expenses
$120,701,174
Net income
$28,619,524
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,751$5,247$505$350$293$57.3
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$5,072$4,584$488$316$240$75.8
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,477$4,061$415$274$240$34.2
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,484$3,158$326$238$203$35.0
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,948$2,657$291$193$164$28.3
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,629$2,367$262$165$137$28.6
2015Detailed filing. Detailed filing data is available for this year.$2,358$2,124$234$149$121$28.6
2014Detailed filing. Detailed filing data is available for this year.$2,108$1,902$206$134$106$27.5
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,779$1,628$151$106
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,580$1,450$130$104
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,444$1,333$111$111