Civic Intelligence

Midwest Operating Engineers Credit Union

990 • Fiscal year 2016 • EIN 23-7339371

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 27, 2017

Organization ProfileWWW.MOECU.COM
6240 Joliet RoadLA Grange, IL 60525

(708) 482-9606

Siviq Scores

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

Liabilities / Assets

86th percentile

0.92x

Higher debt load relative to assets than 86% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

94th percentile

31.38x

Higher debt load relative to revenue than 94% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

50th percentile

8.3%

Higher net margin than 50% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

39th percentile

$124,288

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

56th percentile

4.3%

Faster asset growth than 56% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

64th percentile

6.3%

Faster revenue growth than 64% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$51,240,562

Up $2,130,568 (+4.3%) from 2015

Net Assets

Up

$4,296,289

Up $82,363 (+2.0%) from 2015

Liabilities

Up

$46,944,273

Up $2,048,205 (+4.6%) from 2015

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin50th percentile

Revenue

Up

$1,495,766

Up $89,068 (+6.3%) from 2015

Expenses

Up

$1,371,062

Up $71,611 (+5.5%) from 2015

Net Income

Up

$124,704

Up $17,457 (+16%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$80M$60M$40M$20M$0Assets 2010: $47,230,510Liabilities 2010: $43,984,950Net Assets 2010: $3,245,5602010Assets 2011: $43,732,505Liabilities 2011: $40,135,136Net Assets 2011: $3,597,3692011Assets 2012: $46,128,328Liabilities 2012: $42,210,411Net Assets 2012: $3,917,9172012Assets 2013: $47,499,194Liabilities 2013: $43,526,162Net Assets 2013: $3,973,0322013Assets 2014: $48,598,729Liabilities 2014: $44,491,275Net Assets 2014: $4,107,4542014Assets 2015: $49,109,994Liabilities 2015: $44,896,068Net Assets 2015: $4,213,9262015Assets 2016: $51,240,562Liabilities 2016: $46,944,273Net Assets 2016: $4,296,2892016Assets 2017: $53,215,878Liabilities 2017: $48,527,819Net Assets 2017: $4,688,0592017Assets 2020: $59,467,605Liabilities 2020: $53,570,916Net Assets 2020: $5,896,6892020Assets 2021: $67,973,468Liabilities 2021: $61,075,925Net Assets 2021: $6,897,5432021Assets 2022: $73,344,318Liabilities 2022: $65,476,604Net Assets 2022: $7,867,7142022Assets 2023: $73,466,465Liabilities 2023: $64,446,337Net Assets 2023: $9,020,1282023Assets 2024: $74,540,013Liabilities 2024: $64,369,372Net Assets 2024: $10,170,6412024

Highlighted filing

2016

Assets$51,240,562
Liabilities$46,944,273
Net Assets$4,296,289
Open 2016 Filing

Operations Trend

Revenue Growth64th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,333,5572010Expenses 2011: $1,261,2672011Expenses 2012: $1,189,6132012Revenue 2013: $1,410,587Expenses 2013: $1,350,424Net Income 2013: $60,1632013Revenue 2014: $1,441,354Expenses 2014: $1,304,705Net Income 2014: $136,6492014Revenue 2015: $1,406,698Expenses 2015: $1,299,451Net Income 2015: $107,2472015Revenue 2016: $1,495,766Expenses 2016: $1,371,062Net Income 2016: $124,7042016Revenue 2017: $1,802,017Expenses 2017: $1,410,246Net Income 2017: $391,7712017Revenue 2020: $2,218,664Expenses 2020: $1,669,477Net Income 2020: $549,1872020Revenue 2021: $2,991,161Expenses 2021: $1,990,307Net Income 2021: $1,000,8542021Revenue 2022: $3,088,502Expenses 2022: $2,112,654Net Income 2022: $975,8482022Revenue 2023: $3,808,388Expenses 2023: $2,670,068Net Income 2023: $1,138,3202023Revenue 2024: $4,058,413Expenses 2024: $2,907,906Net Income 2024: $1,150,5072024

Highlighted filing

2016

Revenue$1,495,766
Expenses$1,371,062
Net Income$124,704
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 27, 2017
Return Version
2016v3.0
Gross Receipts
$1,495,766
Mission and Program Overview

Mission

Illinois state chartered credit union operated for the mutual benefit of its members. The credit union makes loans to members and pays dividends to members with share deposits at a competitive rate of interest.

Il state chartered credit union operated for the mutual benefit of its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$30,357,853$31,628,762▲ $1,270,909
Other Notes and Loans Receivable, Net$16,305,348$16,523,432▲ $218,084
Rtn Earn Endowment Incm Other Fnds$4,213,926$4,296,289▲ $82,363
Cash and Non-Interest-Bearing Accounts$526,518$1,144,300▲ $617,782
Receivables From Officers Etc$356,626$367,429▲ $10,803
Accounts Receivable$121,398$122,120▲ $722
Land, Buildings, and Equipment, Net$114,684$89,185▼ $25,499
Prepaid Expenses and Deferred Charges$32,191$42,462▲ $10,271
Investments Program Related$12,797$68▼ $12,729
Total Assets$49,109,994$51,240,562▲ $2,130,568
Other Assets Total$1,282,579$1,322,804▲ $40,225
Liabilities
Other Liabilities$44,805,020$46,861,043▲ $2,056,023
Accounts Payable and Accrued Expenses$91,048$83,230▼ $7,818
Total Liabilities$44,896,068$46,944,273▲ $2,048,205
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,213,926$4,296,289▲ $82,363
Total Liabilities and Net Assets / Fund Balance$49,109,994$51,240,562▲ $2,130,568

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$89,185-$89,185
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Thomas PiercePresidentFT$124,288$124,288

Board Members and Trustees

NameTitle
James SweeneyChairperson
Steven CiscoVice Chairperson
Brian HickeyDirector
David FaganDirector
John GarzaDirector
Kathleen GrimmDirector
Kevin BurkeDirector
Kenneth EdwardsSecretary
Terrance HancockTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$868,028
Investment Income
$413,520
Other Revenue
$214,218
Change in Net Assets
$124,704
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,371,062
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$185,112--$185,112
Occupancy$82,320--$82,320
Interest$67,967--$67,967
Other Expenses$61,391--$61,391
Information Technology$46,991--$46,991
Fees for Services Accounting$40,894--$40,894
Depreciation Depletion$35,228--$35,228
Insurance$28,278--$28,278
All Other Expenses$15,485--$15,485
Fees for Services Other$14,977--$14,977
Fees for Services Legal$10,219--$10,219
Advertising$9,790--$9,790
Travel$2,158--$2,158
Conferences and Meetings$721--$721
Total Functional Expenses$1,371,062$0$0$1,371,062
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$356,626$367,429▲ $10,803
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$26,423,490
Certificates$9,386,856
Money Market Accts$6,435,232
Share Drafts$4,407,980
Iras$207,485
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Midwest Operating Engineers Credit Union
EIN
23-7339371
Phone
7084829606
Address
6240 JOLIET ROAD, LA GRANGE, IL 60525

Signing Officer

Name
Tom Pierce
Title
President
Phone
7084829606
Signed
2017-04-27
Discuss with paid preparer
Yes

Organization Details

Formed
1974
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
0
Volunteers
10

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

“Membership consists of individuals with a minimum balance on deposit with the credit union.”

Pt VI, Line 7A

“The board of directors is elected by the membership.”

Pt VI, Line 11B

“The president reviews the 990 prior to filing.”

Pt VI, Line 19

“AVAILABLE UPON REQUEST”

Form 990, Part IX, Line 24E

“Cash over/short 173. 173.”

Form 990, Part IX, Line 24E

“Visa expense -5031. -5031.”

Form 990, Part IX, Line 24E

“Provision for loan loss 7614. 7614.”

Form 990, Part IX, Line 24E

“Gain/loss on investments 12729. 12729.”

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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/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PAYS DIVIDENDS TO ITS MEMBERS ON SHARE DEPOSIT ACCOUNTS. THE NUMBER OF SHARE ACCOUNTS AT 12/31/16 WAS 9,241 TOTALING $46,861,042.
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IRS990/PYOtherExpensesAmt01299451
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IRS990/PYTotalExpensesAmt01299451
IRS990/PYTotalRevenueAmt01406698
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0356626
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0367429
IRS990/ReconcilationRevenueExpnssAmt0124704
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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt089185
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt24407980
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt39386856
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4207485
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET ACCTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRAS
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IRS990ScheduleD/TotalLiabilityAmt046861043
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt33225
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt492494
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt84125
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd12X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt011296
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt122155
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt215058
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt33225
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4125000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt561209
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt623031
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt7222400
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt84125
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt916316
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1023998
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1111000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt128943
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0THOMAS PIERCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1THOMAS PIERCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2KATHLEEN GRIMM
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3KEVIN BURKE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JAMES SWEENEY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JAMES SWEENEY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6JAMES SWEENEY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7STEVEN CISCO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8STEVEN CISCO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9STEVEN CISCO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10STEVEN CISCO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11JOHN GARZA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm12JOHN GARZA
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3DIRECTOR
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7VICE CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8VICE CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9VICE CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10VICE CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt11DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt12DIRECTOR
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IRS990ScheduleL/TotalBalanceDueAmt0367429

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$51,240,562
Liabilities
$46,944,273
Net assets
$4,296,289
Revenue
$1,495,766
Expenses
$1,371,062
Net income
$124,704
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$74.5$64.4$10.2$4.06$2.91$1.15
2023Detailed filing. Detailed filing data is available for this year.$73.5$64.4$9.02$3.81$2.67$1.14
2022Detailed filing. Detailed filing data is available for this year.$73.3$65.5$7.87$3.09$2.11$0.98
2021Detailed filing. Detailed filing data is available for this year.$68.0$61.1$6.90$2.99$1.99$1.00
2020Detailed filing. Detailed filing data is available for this year.$59.5$53.6$5.90$2.22$1.67$0.55
2017Detailed filing. Detailed filing data is available for this year.$53.2$48.5$4.69$1.80$1.41$0.39
2016Detailed filing. Detailed filing data is available for this year.$51.2$46.9$4.30$1.50$1.37$0.12
2015Detailed filing. Detailed filing data is available for this year.$49.1$44.9$4.21$1.41$1.30$0.11
2014Detailed filing. Detailed filing data is available for this year.$48.6$44.5$4.11$1.44$1.30$0.14
2013Detailed filing. Detailed filing data is available for this year.$47.5$43.5$3.97$1.41$1.35$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.1$42.2$3.92$1.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.7$40.1$3.60$1.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.2$44.0$3.25$2.33