Civic Intelligence

All-Steel Credit Union

EIN 36-0719694 • 501(c)14 • Oswego, IL

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Profile

The Credit Union is a member-owned financial institution dedicated to:1. Serving the changing financial needs of the members.2. Offering quality service and products to our current and potential members.3. Helping our members grow economically strong.4. Supporting the credit union philosophy of people helping people.

1 W Merchants DriveOswego, IL 60543

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

31st percentile

0.82x

Higher debt load relative to assets than 31% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

75th percentile

20.09x

Higher debt load relative to revenue than 75% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Net Margin

32nd percentile

1.3%

Higher net margin than 32% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

48th percentile

$78,208

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 9.4% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Asset Growth

13th percentile

-8.2%

Faster asset growth than 13% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

56th percentile

8.2%

Faster revenue growth than 56% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets31st percentile

Assets

Down

$20,347,554

Down $1,808,244 (-8.2%) from 2017

Liabilities

Down

$16,711,851

Down $1,817,411 (-9.8%) from 2017

Net Assets

Up

$3,635,703

Up $9,167 (+0.3%) from 2017

Operations
Liabilities / Revenue75th percentileNet Margin32nd percentile

Revenue

Up

$831,858

Up $63,338 (+8.2%) from 2017

Expenses

Down

$820,629

Down $102,548 (-11%) from 2017

Net Income

Up

$11,229

Up $165,886 (+107%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $18,891,466Liabilities 2010: $14,443,252Net Assets 2010: $4,448,2142010Assets 2011: $18,952,566Liabilities 2011: $14,563,226Net Assets 2011: $4,389,3402011Assets 2012: $19,585,540Liabilities 2012: $15,143,959Net Assets 2012: $4,441,5812012Assets 2013: $21,523,184Liabilities 2013: $17,484,261Net Assets 2013: $4,038,9232013Assets 2014: $22,093,456Liabilities 2014: $18,161,856Net Assets 2014: $3,931,6002014Assets 2015: $22,696,169Liabilities 2015: $18,794,654Net Assets 2015: $3,901,5152015Assets 2016: $22,829,874Liabilities 2016: $19,051,683Net Assets 2016: $3,778,1912016Assets 2017: $22,155,798Liabilities 2017: $18,529,262Net Assets 2017: $3,626,5362017Assets 2018: $20,347,554Liabilities 2018: $16,711,851Net Assets 2018: $3,635,7032018

Highlighted filing

2018

Assets$20,347,554
Liabilities$16,711,851
Net Assets$3,635,703
Open 2018 Filing

Operations Trend

Revenue Growth56th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $970,8342010Expenses 2011: $923,2102011Expenses 2012: $950,7552012Revenue 2013: $1,062,699Expenses 2013: $1,456,721Net Income 2013: -$394,0222013Revenue 2014: $992,151Expenses 2014: $1,108,709Net Income 2014: -$116,5582014Revenue 2015: $909,915Expenses 2015: $939,427Net Income 2015: -$29,5122015Revenue 2016: $813,252Expenses 2016: $920,837Net Income 2016: -$107,5852016Revenue 2017: $768,520Expenses 2017: $923,177Net Income 2017: -$154,6572017Revenue 2018: $831,858Expenses 2018: $820,629Net Income 2018: $11,2292018

Highlighted filing

2018

Revenue$831,858
Expenses$820,629
Net Income$11,229
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,347,554
Liabilities
$16,711,851
Net assets
$3,635,703
Revenue
$831,858
Expenses
$820,629
Net income
$11,229
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$20.3$16.7$3.64$0.83$0.82$0.01
2017Detailed filing. Detailed filing data is available for this year.$22.2$18.5$3.63$0.77$0.92$0.15
2016Detailed filing. Detailed filing data is available for this year.$22.8$19.1$3.78$0.81$0.92$0.11
2015Detailed filing. Detailed filing data is available for this year.$22.7$18.8$3.90$0.91$0.94$0.03
2014Detailed filing. Detailed filing data is available for this year.$22.1$18.2$3.93$0.99$1.11$0.12
2013Detailed filing. Detailed filing data is available for this year.$21.5$17.5$4.04$1.06$1.46$0.39
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.6$15.1$4.44$0.95
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.0$14.6$4.39$0.92
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.9$14.4$4.45$0.97
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Aug 18, 2019
Return Version
2018v3.1
Gross Receipts
$831,858
Mission and Program Overview

Mission

The Credit Union is a member-owned financial institution dedicated to:1. Serving the changing financial needs of the members.2. Offering quality service and products to our current and potential members.3. Helping our members grow economically strong.4. Supporting the credit union philosophy of people helping people.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,194,065$11,432,628▲ $238,563
Savings and Temporary Cash Investments$10,150,125$8,182,218▼ $1,967,907
Rtn Earn Endowment Incm Other Fnds$3,626,536$3,635,703▲ $9,167
Cash and Non-Interest-Bearing Accounts$411,606$365,842▼ $45,764
Receivables From Officers Etc$119,470$79,581▼ $39,889
Prepaid Expenses and Deferred Charges$27,701$38,349▲ $10,648
Land, Buildings, and Equipment, Net$7,120$4,505▼ $2,615
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$22,155,798$20,347,554▼ $1,808,244
Other Assets Total$245,711$244,431▼ $1,280
Liabilities
Other Liabilities$18,398,296$16,595,319▼ $1,802,977
Accounts Payable and Accrued Expenses$130,966$116,532▼ $14,434
Total Liabilities$18,529,262$16,711,851▼ $1,817,411
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,626,536$3,635,703▲ $9,167
Total Liabilities and Net Assets / Fund Balance$22,155,798$20,347,554▼ $1,808,244

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$4,505$418,120$422,625
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Robin LambPresidentFT$78,208$78,208
David DolderLoan OfficerFT$62,418$62,418

Board Members and Trustees

NameTitle
James R ChioneChairman
Dale LeifheitDirector
Donald TanisDirector
Jim MillerDirector
Mark LyonsDirector
Todd McGowanDirector
Herbert Jebens Partial YrTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$604,893
Investment Income
$226,965
Other Revenue
$0
Change in Net Assets
$11,229
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$368,947
Other Expenses$350,376
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$178,532--$178,532
Current Officers, Directors, Trustees, and Key Employees$140,626--$140,626
Benefits to Members$101,306--$101,306
Occupancy$54,626--$54,626
Office Expenses$33,650--$33,650
Other Employee Benefits$32,038--$32,038
Advertising$27,842--$27,842
Fees for Services Accounting$21,665--$21,665
Pension Plan Contributions$12,696--$12,696
All Other Expenses$12,437--$12,437
Other Expenses$9,803--$9,803
Fees for Services Legal$7,268--$7,268
Payroll Taxes$5,055--$5,055
Conferences and Meetings$2,442--$2,442
Total Functional Expenses$820,629$0$0$820,629
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$119,470$79,581▼ $39,889
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$16,595,318
Rounding$1
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“The 990 is reviewed by the president of the credit union and the auditor.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The Credit Union has established job descriptions and salary ranges. All salary ranges adn job descriptions are approved by the Board of Directors and documented in the meeting mintues. All staff/officers are reviewed on an annual basis by the Board. Any adjustments to salary are based on performance and subject to profitability of the Credit Union. Salary surveys from CUNA and the Illinois Credit Union League are used as tools to determine salaries.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Available upon request.”

Filing and Contact Details

Filer

Filer Name
All-steel Credit Union
EIN
36-0719694
Phone
6309062050
Address
1 W Merchants Drive, Oswego, IL 60543

Signing Officer

Name
Robin Lamb
Title
President
Signed
2019-08-18
Discuss with paid preparer
Yes

Organization Details

Formed
1936
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
6
Employees
8

Preparer

Firm
Ringold Financial Management Services
Address
850 S WABASH AVE STE 320, CHICAGO, IL 60605-3642
Preparer
Michelle Ringold
Phone
3125669705
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Net Change in Unrealized Gains/Losses = -$2062”

Raw XML AppendixShowing 400 of 428 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/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0245711
IRS990/OtherAssetsTotalGrp/EOYAmt0244431
IRS990/OtherChangesInNetAssetsAmt0-2062
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt032038
IRS990/OtherEmployeeBenefitsGrp/TotalAmt032038
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc1OTHER OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc2CHAPTER AND LEAGUE DUES
IRS990/OtherExpensesGrp/Desc3MAINTENANCE AGREEMENTS
IRS990/OtherExpensesGrp/ProgramServicesAmt097614
IRS990/OtherExpensesGrp/ProgramServicesAmt173218
IRS990/OtherExpensesGrp/ProgramServicesAmt29811
IRS990/OtherExpensesGrp/ProgramServicesAmt39803
IRS990/OtherExpensesGrp/TotalAmt097614
IRS990/OtherExpensesGrp/TotalAmt173218
IRS990/OtherExpensesGrp/TotalAmt29811
IRS990/OtherExpensesGrp/TotalAmt39803
IRS990/OtherLiabilitiesGrp/BOYAmt018398296
IRS990/OtherLiabilitiesGrp/EOYAmt016595319
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IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0178532
IRS990/OtherSalariesAndWagesGrp/TotalAmt0178532
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011194065
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011432628
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IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt05055
IRS990/PayrollTaxesGrp/TotalAmt05055
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt012696
IRS990/PensionPlanContributionsGrp/TotalAmt012696
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt027701
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt038349
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Loan to Members Interest
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0604893
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0604893
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0102009
IRS990/PYInvestmentIncomeAmt0188357
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0470950
IRS990/PYProgramServiceRevenueAmt0580163
IRS990/PYRevenuesLessExpensesAmt0-154657
IRS990/PYSalariesCompEmpBnftPaidAmt0350218
IRS990/PYTotalExpensesAmt0923177
IRS990/PYTotalRevenueAmt0768520
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0119470
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt079581
IRS990/ReconcilationRevenueExpnssAmt011229
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03626536
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03635703
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010150125
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08182218
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IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt04505
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0418120
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0422625
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt116595318
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04505
IRS990ScheduleD/TotalLiabilityAmt016595319
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt010475
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt115627
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt232500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt320979
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0CAR LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CAR LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt026456
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt123707
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt238600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt377000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JAMES CHIONE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1MARK LYONS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2ROBIN LAMB
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3DONALD TANIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/TotalBalanceDueAmt079581
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The 990 is reviewed by the president of the credit union and the auditor.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Credit Union has established job descriptions and salary ranges. All salary ranges adn job descriptions are approved by the Board of Directors and documented in the meeting mintues. All staff/officers are reviewed on an annual basis by the Board. Any adjustments to salary are based on performance and subject to profitability of the Credit Union. Salary surveys from CUNA and the Illinois Credit Union League are used as tools to determine salaries.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Net Change in Unrealized Gains/Losses = -$2062
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Changes In Net Assets Or Fund Balances - Other Decreases
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IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt020347554
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IRS990/TotalAssetsGrp/EOYAmt020347554
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0820629
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt018529262
IRS990/TotalLiabilitiesEOYAmt016711851
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IRS990/TotalLiabilitiesGrp/EOYAmt016711851
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03635703
IRS990/TotalProgramServiceRevenueAmt0604893
IRS990/TotalReportableCompFromOrgAmt0140626
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0831858
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0831858
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022155798
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020347554
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01 W Merchants Drive
IRS990/USAddress/CityNm0Oswego
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060543
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt06

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