Civic Intelligence

South Bend Post Office C U

990 • Fiscal year 2016 • EIN 35-0670808

Jan 01, 2016 to Dec 31, 2016 • Filed on Feb 21, 2017

Organization Profilewww.sbpocu.com
53790 Generations DrSouth Bend, IN 46635-1539

(574) 272-8581

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$9,022,967

Flat from 2016

Net Assets

Up

$8,806,587

Up $8,862 (+0.1%) from 2016

Liabilities

Down

$216,380

Down $8,862 (-3.9%) from 2016

Revenue And Expenses

Revenue

Flat

$294,924

Flat from 2016

Expenses

Down

$296,792

Down $8,862 (-2.9%) from 2016

Net Income

Up

-$1,868

Up $8,862 (+83%) from 2016

Historical Trend

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2010: $10,184,521Liabilities 2010: $1,109Net Assets 2010: $10,183,4122010Assets 2011: $10,067,942Liabilities 2011: $1,118Net Assets 2011: $10,066,8242011Assets 2012: $10,287,012Liabilities 2012: $16,011Net Assets 2012: $10,271,0012012Assets 2013: $10,008,738Liabilities 2013: $17,423Net Assets 2013: $9,991,3152013Assets 2014: $9,645,469Liabilities 2014: $18,852Net Assets 2014: $9,626,6172014Assets 2015: $9,435,327Liabilities 2015: $24,757Net Assets 2015: $9,410,5702015Assets 2016: $9,022,967Liabilities 2016: $216,380Net Assets 2016: $8,806,5872016Assets 2016: $9,022,967Liabilities 2016: $225,242Net Assets 2016: $8,797,7252016Assets 2017: $8,805,524Liabilities 2017: $15,842Net Assets 2017: $8,789,6822017Assets 2018: $8,917,278Liabilities 2018: $14,775Net Assets 2018: $8,902,5032018Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2016

Assets$9,022,967
Liabilities$216,380
Net Assets$8,806,587
Open 2016 Filing

Operations Trend

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

$600K$400K$200K$0-$200KExpenses 2010: $539,4092010Expenses 2011: $328,5702011Expenses 2012: $336,1132012Revenue 2013: $293,385Expenses 2013: $326,229Net Income 2013: -$32,8442013Revenue 2014: $270,949Expenses 2014: $279,447Net Income 2014: -$8,4982014Revenue 2015: $269,738Expenses 2015: $329,346Net Income 2015: -$59,6082015Revenue 2016: $294,924Expenses 2016: $296,792Net Income 2016: -$1,8682016Revenue 2016: $294,924Expenses 2016: $305,654Net Income 2016: -$10,7302016Revenue 2017: $326,995Expenses 2017: $298,455Net Income 2017: $28,5402017Revenue 2018: $386,458Expenses 2018: $310,967Net Income 2018: $75,4912018Revenue 2021: $315,966Expenses 2021: $258,424Net Income 2021: $57,5422021

Highlighted filing

2016

Revenue$294,924
Expenses$296,792
Net Income-$1,868
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Feb 21, 2017
Return Version
2016v3.0
Gross Receipts
$294,924
Mission and Program Overview

Mission

Cooperative Financial Institution

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$8,360,844$7,758,729▼ $602,115
Savings and Temporary Cash Investments$6,093,079$5,959,492▼ $133,587
Other Notes and Loans Receivable, Net$3,029,783$2,743,024▼ $286,759
Pd in Cap Srpls Land Bldg Eqp Fund$796,160$796,160→ $0
Rtn Earn Endowment Incm Other Fnds$253,566$251,698▼ $1,868
Land, Buildings, and Equipment, Net$85,267$94,001▲ $8,734
Receivables From Officers Etc$85,510$84,545▼ $965
Total Assets$9,435,327$9,022,967▼ $412,360
Other Assets Total$141,688$141,905▲ $217
Liabilities
Mortgage Notes Payable Secured by Investment Property-$200,000-
Accounts Payable and Accrued Expenses$24,757$16,380▼ $8,377
Total Liabilities$24,757$216,380▲ $191,623
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,410,570$8,806,587▼ $603,983
Total Liabilities and Net Assets / Fund Balance$9,435,327$9,022,967▼ $412,360

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$42,840$119,097-
Land$26,664--
Equipment$10,759$126,416-
Leasehold Improvements$13,738$3,059-
Compensation and Service Providers

Employees

NameTitleBaseTotal
Rex BulgrienTreasurerManager$50,407$50,407

Board Members and Trustees

NameTitle
John TarwackiBoard Chair
Terry LitkaSupv Committee Chair
Clarissa Murray-PozsgaiBoard Vice Chair
Hulbert C Colwell IVBoard Member
Karen DerbyBoard Member
Sue NoensBoard Member
Susan BattlesBoard Member
Mary ZirilleBoard Secretary
James MageraSupv Committee
Tom YoudblisSupv Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$164,112
Investment Income
$80,991
Other Revenue
$49,821
Change in Net Assets
$-1,868
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$171,772
Salaries, Compensation, and Employee Benefits$125,020
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$115,839--$115,839
Office Expenses$70,021--$70,021
Fees for Services Other$41,441--$41,441
Occupancy$30,515--$30,515
All Other Expenses$12,518--$12,518
Payroll Taxes$9,181--$9,181
Conferences and Meetings$3,121--$3,121
Other Expenses$1,670--$1,670
Travel$277--$277
Interest$161--$161
Total Functional Expenses$296,792$0$0$296,792
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$85,510$84,545▼ $965
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Each depositor is ashareholder”

Member election for additional members Part VI line 7A

“Each shareholder may vote in the election of board members.”

Governing body decisions Part VI line 7B

“Shareholders may override the board of directors at the annual meeting”

Form 990 governing body review Part VI line 11

“Form 990 is reviewed by the Board of Directors at their meeting”

Conflict of interest policy compliance Part VI line 12C

“Each Board Member signs a new agreement to the Conflict of Interest policy each year”

CEO executive director top management comp Part VI line 15A

“Compensation for our Treasurer/Manager was determined by reviewing data provided by the Indiana Credit Union League survey as well as comparing our managers experience with the levels shown in the survey”

Other officer or key employee compensation Part VI line 15B

“Key employee compensation was determined by reviewing the Indiana Credit Union League survey and comparing it to the experience level of our key employees”

Governing documents etc available to public Part VI line 19

“Governing documents are available for review by the general public during our normal business hours”

Filing and Contact Details

Filer

Filer Name
Department of Financial Institution
EIN
35-0670808
Address
53790 Generations Dr, South Bend, IN 46635-1539
Doing Business As
South Bend Post Office Credit

Signing Officer

Name
Rex Bulgrien
Title
Treasurer Manag
Phone
5742728581
Signed
2017-02-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rex Bulgrien 4 Key emp
Formed
1924
Legal Domicile
In
Voting Board Members
7
Independent Board Members
7
Employees
5

Preparer

Firm
Colwells Tax Service
Address
61642 Kingston Ct, South Bend, IN 46614-6445
Preparer
Hulbert C Colwell
Phone
5742916756
Supplemental Narrative

Additional Explanations

Amended return information

“State Examiners and NCUA examiners required a reduction in accrued expenses upon the completion of their audit.”

Explanation of other changes in net assets or fund balances Part XI line 9

“Withdrawl of shares by members”

List of other fees for services expenses Part IX line 11G

“Professional outside services: State Examiners, CPA review, and outside accounting services”

List of other expenses Part IX line 24E

“Dividends paid, Allowance for Loan Loss, and Cash Over/Short”

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IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0161937
IRS990ScheduleD/EquipmentGrp/BookValueAmt010759
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0126416
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0137175
IRS990ScheduleD/LandGrp/BookValueAmt026664
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt026664
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt013738
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt03059
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt016797
IRS990ScheduleD/TotalBookValueLandBuildingsAmt094001
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0396
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt19518
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt26730
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt311446
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt42276
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt53206
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt663
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt76350
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt8586
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt910589
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt109953
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11522
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1216635
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13574
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt145701
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd14true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd14false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd12X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd13X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd14X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Vehicle Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Vehicle Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Vehicle Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Vehicle Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Personal Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Personal Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Personal Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8Personal Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10Vehicle Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11Home Improvement
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12Vehicle Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt13Personal - Pledged
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt14Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt08600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt116000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt211642
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt322358
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt46000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt54600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt65000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt76000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt83000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt912000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1012500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt112000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1213412
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt137000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt146000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Ruth Russell
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Hulbert Colwell
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Hulbert Colwell
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Mary Zirille
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Terry Litka
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Terry Litka
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Terry Litka
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7Terry Litka Co-Maker
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8Karen Derby
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9Mary Zirille
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10Mary Zirille
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11John Tarwacki
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm12John Tarwacki
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm13James Magera
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm14James Magera

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$9,022,967
Liabilities
$216,380
Net assets
$8,806,587
Revenue
$294,924
Expenses
$296,792
Net income
-$1,868
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.32$0.26$0.06
2018Detailed filing. Detailed filing data is available for this year.$8.92$0.01$8.90$0.39$0.31$0.08
2017Detailed filing. Detailed filing data is available for this year.$8.81$0.02$8.79$0.33$0.30$0.03
2016Detailed filing. Detailed filing data is available for this year.$9.02$0.22$8.81$0.29$0.30$0.00
2016Detailed filing. Detailed filing data is available for this year.$9.02$0.23$8.80$0.29$0.31$0.01
2015Detailed filing. Detailed filing data is available for this year.$9.44$0.02$9.41$0.27$0.33$0.06
2014Detailed filing. Detailed filing data is available for this year.$9.65$0.02$9.63$0.27$0.28$0.01
2013Detailed filing. Detailed filing data is available for this year.$10.0$0.02$9.99$0.29$0.33$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$0.02$10.3$0.34
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.1$0.00$10.1$0.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.2$0.00$10.2$0.54