Civic Intelligence

Dial Credit Union

EIN 36-0746240 • 501(c)14 • Aurora, IL

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Profile

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 competetive rate of interest.

575 North BroadwayAurora, IL 60505

n/a

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2018

Liabilities / Revenue

40th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

$500k-$1M nonprofits • Source year 2018

Net Margin

8th percentile

-86%

Higher net margin than 8% of similar nonprofits.

$500k-$1M nonprofits • Source year 2018

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2018

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2018

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

$0

No earlier filing loaded for comparison.

Liabilities

$0

No earlier filing loaded for comparison.

Net Assets

$0

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue40th percentileNet Margin8th percentile

Revenue

$256,852

No earlier filing loaded for comparison.

Expenses

$477,012

No earlier filing loaded for comparison.

Net Income

-$220,160

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$0Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2018

Assets$0
Liabilities$0
Net Assets$0
Open 2018 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200K-$400KRevenue 2018: $256,852Expenses 2018: $477,012Net Income 2018: -$220,1602018

Highlighted filing

2018

Revenue$256,852
Expenses$477,012
Net Income-$220,160
Open 2018 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$256,852
Expenses
$477,012
Net income
-$220,160
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.57$4.77$2.20
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Oct 21, 2019
Return Version
2018v3.1
Gross Receipts
$535,842
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 competetive rate of interest.

Illinois state chartered credit union offering financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$5,077,900$0▼ $5,077,900
Other Notes and Loans Receivable, Net$2,443,978$0▼ $2,443,978
Investments in Publicly Traded Securities$1,981,201$0▼ $1,981,201
Rtn Earn Endowment Incm Other Fnds$938,420$0▼ $938,420
Cash and Non-Interest-Bearing Accounts$442,722$0▼ $442,722
Land, Buildings, and Equipment, Net$5,091$0▼ $5,091
Prepaid Expenses and Deferred Charges$725$0▼ $725
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$9,951,617$0▼ $9,951,617
Other Assets Total-$0-
Liabilities
Other Liabilities$8,993,323$0▼ $8,993,323
Accounts Payable and Accrued Expenses$19,874--
Total Liabilities$9,013,197$0▼ $9,013,197
Net Assets / Fund Balance
Total Net Assets Fund Balance$938,420$0▼ $938,420
Total Liabilities and Net Assets / Fund Balance$9,951,617$0▼ $9,951,617
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Malissa PerkinsPresidentFT$84,924$84,924
James WeissTreasurer-$2,200$2,200

Board Members and Trustees

NameTitle
Bonnie HagertyChairman
Gerald NickelsVice Chairman
Dennis KohlerDirector
Kevin McDonaldDirector
Leda BrownleeDirector
Ray ZieglerDirector
Steve RissmanDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$159,070
Investment Income
$97,782
Other Revenue
$0
Change in Net Assets
$-220,160
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$274,405
Salaries, Compensation, and Employee Benefits$202,607
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$86,578
Current Officers, Directors, Trustees, and Key Employees---$84,924
Information Technology---$83,746
Office Expenses---$31,849
Pension Plan Contributions---$14,609
Payroll Taxes---$13,343
Fees for Services Accounting---$10,892
Insurance---$9,396
Other Expenses---$7,194
Depreciation Depletion---$5,091
Conferences and Meetings---$3,426
Other Employee Benefits---$3,153
Advertising---$1,229
Travel---$572
Total Functional Expenses$0$0$0$477,012
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, line 6

“Membership consisted of individuals with funds on deposit with the credit union.”

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

“The membership participated in the annual election of the Board of Directors.”

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

“The Form 990 was reviewed and signed by the President of the Credit Union.”

Form 990, Part VI, Section C, line 19

“Available upon request.”

Filing and Contact Details

Filer

Filer Name
Dial Credit Union
EIN
36-0746240
Phone
6308592276
Address
575 North Broadway, Aurora, IL 60505

Signing Officer

Name
Malissa Perkins
Title
President
Phone
6308592276
Signed
2019-10-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Malissa Perkins
Formed
1931
Legal Domicile
Il
Voting Board Members
0
Independent Board Members
0
Employees
4
Volunteers
10

Preparer

Firm
Desmond & Ahern Ltd
Address
10827 S Western Avenue, Chicago, IL 60643
Preparer
David J Rambo
Phone
7737794720
Supplemental Narrative

Additional Explanations

Form 990, Part III, line 3

“Dial Credit Union merged with Fox Valley Credit Union (FEIN 36-0757152) in November 2018.”

Form 990, Part XI, line 9:

“Net Assets tranferred to Fox Valley Credit Union (36-0757152) -672,587. Other costs and write-offs related to merger with Fox Valley Credit Union -45,673.”

Raw XML Appendix378 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/TitleTxt4Director
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IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0Person(s) Involved: The staff of Dial Credit Union was retained by Fox Valley Credit Union. Malissa Perkins, President of Dial Credit Union, became Vice President of Finance of the Fox Valley Credit Union.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 2e:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Dial Credit Union merged with Fox Valley Credit Union (FEIN 36-0757152) in November 2018.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Membership consisted of individuals with funds on deposit with the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The membership participated in the annual election of the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Form 990 was reviewed and signed by the President of the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Net Assets tranferred to Fox Valley Credit Union (36-0757152) -672,587. Other costs and write-offs related to merger with Fox Valley Credit Union -45,673.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd01
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt09951617
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt09951617
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0477012
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09013197
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt09013197
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0938420
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0159070
IRS990/TotalReportableCompFromOrgAmt087124
IRS990/TotalRevenueGrp/ExclusionAmt097782
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0159070
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0256852
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09951617
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0572
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0575 North Broadway
IRS990/USAddress/CityNm0Aurora
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060505
IRS990/VotingMembersGoverningBodyCnt00
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0n/a
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02020-01-14 16:20:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Malissa Perkins
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06308592276
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-10-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Dial Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0DIAL
ReturnHeader/Filer/EIN0360746240
ReturnHeader/Filer/PhoneNum06308592276
ReturnHeader/Filer/USAddress/AddressLine1Txt0575 North Broadway
ReturnHeader/Filer/USAddress/CityNm0Aurora
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060505
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0738B9105E46B695E191D81BBB6C655DEEDF341ED
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId06C9B1A35775087DBDB8A6D25ECA509C7F6C27838
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt096.84.64.45
ReturnHeader/FilingSecurityInformation/IPDt02019-10-21
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm014:35:20
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0363321958
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Desmond & Ahern Ltd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010827 S Western Avenue
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Chicago
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060643
ReturnHeader/PreparerPersonGrp/PhoneNum07737794720
ReturnHeader/PreparerPersonGrp/PreparationDt02019-10-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0David J Rambo
ReturnHeader/ReturnTs02019-10-21T14:41:32-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

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