Civic Intelligence

Tech Credit Union

990 • Fiscal year 2023 • EIN 35-0885375

Jan 01, 2023 to Dec 31, 2023 • Filed on Apr 15, 2024

Organization ProfileWWW.TECHCU.ORG

View Organization Page

10110 Randolph StreetCrown Point, IN 46307-1727

(219) 663-5120

Siviq Scores

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

Liabilities / Assets

56th percentile

0.91x

Higher debt load relative to assets than 56% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Liabilities / Revenue

26th percentile

14.35x

Higher debt load relative to revenue than 26% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Net Margin

83rd percentile

20%

Higher net margin than 83% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Top Officer Pay

34th percentile

$372,748

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Asset Growth

26th percentile

-1.7%

Faster asset growth than 26% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2023

Revenue Growth

93rd percentile

44%

Faster revenue growth than 93% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets56th percentile

Assets

Down

$527,252,079

Down $9,320,464 (-1.7%) from 2022

Net Assets

Up

$47,995,230

Up $6,475,903 (+16%) from 2022

Liabilities

Down

$479,256,849

Down $15,796,367 (-3.2%) from 2022

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin83rd percentile

Revenue

Up

$33,400,748

Up $10,211,479 (+44%) from 2022

Expenses

Up

$26,556,412

Up $5,860,173 (+28%) from 2022

Net Income

Up

$6,844,336

Up $4,351,306 (+175%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth26th percentile

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

$600M$400M$200M$0Assets 2010: $283,484,571Liabilities 2010: $259,556,466Net Assets 2010: $23,928,1052010Assets 2011: $294,603,795Liabilities 2011: $269,963,194Net Assets 2011: $24,640,6012011Assets 2012: $310,700,667Liabilities 2012: $285,053,389Net Assets 2012: $25,647,2782012Assets 2013: $320,353,160Liabilities 2013: $294,282,697Net Assets 2013: $26,070,4632013Assets 2014: $321,489,659Liabilities 2014: $295,647,228Net Assets 2014: $25,842,4312014Assets 2015: $330,848,432Liabilities 2015: $304,060,142Net Assets 2015: $26,788,2902015Assets 2016: $346,316,433Liabilities 2016: $318,970,817Net Assets 2016: $27,345,6162016Assets 2017: $356,935,538Liabilities 2017: $328,302,095Net Assets 2017: $28,633,4432017Assets 2018: $360,917,214Liabilities 2018: $329,354,588Net Assets 2018: $31,562,6262018Assets 2021: $509,548,706Liabilities 2021: $470,386,395Net Assets 2021: $39,162,3112021Assets 2022: $536,572,543Liabilities 2022: $495,053,216Net Assets 2022: $41,519,3272022Assets 2023: $527,252,079Liabilities 2023: $479,256,849Net Assets 2023: $47,995,2302023Assets 2024: $542,967,604Liabilities 2024: $495,707,773Net Assets 2024: $47,259,8312024

Highlighted filing

2023

Assets$527,252,079
Liabilities$479,256,849
Net Assets$47,995,230
Open 2023 Filing

Operations Trend

Revenue Growth93rd percentile

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

$40M$30M$20M$10M$0-$10MExpenses 2010: $15,073,6092010Expenses 2011: $12,941,0882011Expenses 2012: $12,855,0702012Revenue 2013: $13,556,381Expenses 2013: $13,132,965Net Income 2013: $423,4162013Revenue 2014: $13,462,407Expenses 2014: $13,698,561Net Income 2014: -$236,1542014Revenue 2015: $13,958,944Expenses 2015: $12,898,516Net Income 2015: $1,060,4282015Revenue 2016: $14,321,695Expenses 2016: $13,617,003Net Income 2016: $704,6922016Revenue 2017: $14,937,838Expenses 2017: $13,796,508Net Income 2017: $1,141,3302017Revenue 2018: $17,272,387Expenses 2018: $14,245,724Net Income 2018: $3,026,6632018Revenue 2021: $20,890,462Expenses 2021: $18,440,676Net Income 2021: $2,449,7862021Revenue 2022: $23,189,269Expenses 2022: $20,696,239Net Income 2022: $2,493,0302022Revenue 2023: $33,400,748Expenses 2023: $26,556,412Net Income 2023: $6,844,3362023Revenue 2024: $29,777,395Expenses 2024: $30,672,003Net Income 2024: -$894,6082024

Highlighted filing

2023

Revenue$33,400,748
Expenses$26,556,412
Net Income$6,844,336
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Apr 15, 2024
Return Version
2023v5.0
Gross Receipts
$33,458,221
Mission and Program Overview

Mission

To provide services that enable our members to achieve a lifetime of financial success.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$485,387,755$445,723,672▼ $39,664,083
Rtn Earn Endowment Incm Other Fnds$41,519,327$47,995,230▲ $6,475,903
Savings and Temporary Cash Investments$6,234,600$31,503,425▲ $25,268,825
Land, Buildings, and Equipment, Net$20,909,519$24,169,637▲ $3,260,118
Cash and Non-Interest-Bearing Accounts$2,666,816$2,792,066▲ $125,250
Investments Other Securities$3,654,305$2,415,533▼ $1,238,772
Prepaid Expenses and Deferred Charges$1,196,682$1,119,288▼ $77,394
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$536,572,543$527,252,079▼ $9,320,464
Other Assets Total$16,522,866$19,528,458▲ $3,005,592
Liabilities
Other Liabilities$469,481,359$455,733,460▼ $13,747,899
Mortgage Notes Payable Secured by Investment Property$20,000,000$18,487,000▼ $1,513,000
Accounts Payable and Accrued Expenses$5,571,857$5,036,389▼ $535,468
Total Liabilities$495,053,216$479,256,849▼ $15,796,367
Net Assets / Fund Balance
Total Net Assets Fund Balance$41,519,327$47,995,230▲ $6,475,903
Total Liabilities and Net Assets / Fund Balance$536,572,543$527,252,079▼ $9,320,464

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,662,168$6,092,051$22,754,219
Equipment$4,017,919$4,184,136$8,202,055
Land$3,489,550-$3,489,550
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eugene R NovelloPresident/CEOFT$327,852$44,896$372,748
Michael CaseyExecutive Vice PresidentFT$183,076$49,141$232,217
Donald MccormickVice President of Commercial LendingFT$124,864$45,640$170,504
Kim CarpenterCums ManagerFT$151,892$15,189$167,081
Cris Rizzo KratkoczkiVice President of FinanceFT$125,526$24,999$150,525
Roseann DennisVice President of Human ResourcesFT$106,414$42,511$148,925
Scott WingerVice President of Facilities & Physical SecurityFT$122,115$24,494$146,609
Larry SchafferVice President of MarketingFT$130,975$15,527$146,502
Joe MacharaChairperson-$7,000-$7,000
Richard YoungDirector-$7,000-$7,000
Gregory a SalvatoreDirector-$6,500-$6,500
Lee LaneDirector-$6,500-$6,500
Edward PetyoTreasurer-$6,252-$6,252
James Mack2nd Vice Chairperson-$6,250-$6,250
Lisa BeckDirector-$6,250-$6,250
Luis GonzalezDirector-$5,500-$5,500
Walter GarbarczykSecretary-$5,250-$5,250

Highest Paid Contractors

ContractorServicesLocationCompensation
Charles L Pardee Jr Builder LLCConstruction Management7414 E MEADOWS DR, Cedar, MI 49621$3,448,355
NcrDigital Banking Solutions864 SPRING STREET, Atlanta, GA 49621$615,308
Bucher TechnologiesInformation Technology Services6 MICHIGAN AVE, Valparaiso, IN 46383$458,816
QsiincBanking Equipment107 SCHULER DRIVE, Bardstown, KY 40004$447,907
ComcastbusData Lines1701 JOHN F KENNEDY BLVD, Philadelphia, PA 19103$233,511
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,716,120
Investment Income
$8,684,628
Other Revenue
$0
Change in Net Assets
$6,844,336
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,463,116
Salaries, Compensation, and Employee Benefits$11,093,296
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,872,450
Interest---$5,708,778
Occupancy---$1,485,985
Depreciation Depletion---$1,360,805
Other Employee Benefits---$1,254,110
Information Technology---$872,625
Office Expenses---$829,423
Current Officers, Directors, Trustees, and Key Employees---$799,489
Payroll Taxes---$638,087
Pension Plan Contributions---$529,160
Fees for Services Other---$473,760
Advertising---$396,725
Conferences and Meetings---$162,862
Other Expenses---$112,225
Fees for Services Accounting---$71,796
All Other Expenses---$53,486
Fees for Services Legal---$8,689
Total Functional Expenses$0$0$0$26,556,412
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS$455,733,460
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 35% controlled entity
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“A member is defined as any individual or business that has loan or deposit account at the credit union.”

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

“In accordance with the bylaws, the board of directors is elected by a vote of the membership, usually conducted annually. Prior to any meeting at which an election is to be held, a nominating committee may be appointed by the board of directors whose duty it shall be to nominate a complete list of candidates for the various positions to be filled at such meeting.”

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

“Major decisions, such as whether or not to merge into another credit union, would require ratification by the membership to be approved.”

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

“Management reviews form 990 before it is filed with the irs. Board does not review the form 990 before filing.”

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

“All board members and executive staff complete a conflict of interest statement on an annual basis. The credit union's internal auditor reviews these statements to ensure completion and compliance. In the event a conflict is identified, the board member will be absent from all discussions, recommendations, determinations and decisions regarding the matter.”

Form 990, Part VI, Section B, Line 15

“Compensation is determined as part of each individuals' annual review. The compensation amounts are included in the budget that is approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents are on file with the indiana secretary of state's office. A copy of these documents can be obtained through this office. The credit union's financial statements are on display in the lobby of the credit union's home office. The credit union's conflict of interest policy is not made available to the general public.”

Filing and Contact Details

Filer

Filer Name
Tech Credit Union
EIN
35-0885375
Phone
2196635120
Address
10110 RANDOLPH STREET, CROWN POINT, IN 46307-1727

Signing Officer

Name
Eugene R Novello
Title
President & CEO
Phone
2196635120
Signed
2024-04-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eugene R Novello
Formed
1936
Legal Domicile
In
Voting Board Members
9
Independent Board Members
9
Employees
187
Volunteers
0

Preparer

Firm
Plante & Moran Pllc
Address
750 TRADE CENTRE WAY STE 300, PORTAGE, MI 49002
Preparer
Tina Peters
Phone
2695674500
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net unrealized loss on defined benefit pension plan 50,769. Adoption of asu no 2016-13 -439,822.”

Raw XML AppendixShowing 400 of 596 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/TitleTxt12ND VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt11EXECUTIVE VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12CUMS MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT OF MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT OF HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE PRESIDENT OF COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16VICE PRESIDENT OF FACILITIES & PHYSICAL SECURITY
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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$527,252,079
Liabilities
$479,256,849
Net assets
$47,995,230
Revenue
$33,400,748
Expenses
$26,556,412
Net income
$6,844,336
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$543$496$47.3$29.8$30.7$0.89
2023Detailed filing. Detailed filing data is available for this year.$527$479$48.0$33.4$26.6$6.84
2022Detailed filing. Detailed filing data is available for this year.$537$495$41.5$23.2$20.7$2.49
2021Detailed filing. Detailed filing data is available for this year.$510$470$39.2$20.9$18.4$2.45
2018Detailed filing. Detailed filing data is available for this year.$361$329$31.6$17.3$14.2$3.03
2017Detailed filing. Detailed filing data is available for this year.$357$328$28.6$14.9$13.8$1.14
2016Detailed filing. Detailed filing data is available for this year.$346$319$27.3$14.3$13.6$0.70
2015Detailed filing. Detailed filing data is available for this year.$331$304$26.8$14.0$12.9$1.06
2014Detailed filing. Detailed filing data is available for this year.$321$296$25.8$13.5$13.7$0.24
2013Detailed filing. Detailed filing data is available for this year.$320$294$26.1$13.6$13.1$0.42
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$311$285$25.6$12.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$295$270$24.6$12.9
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$283$260$23.9$15.1