Civic Intelligence

Chicago Post Office Employees Credit Union

EIN 36-0903975 • 501(c)14 • Chicago, 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 savings deposits at a competative rate if interest.

10025 South Western AvenueChicago, IL 60643

cpoecu.com

Siviq Scores

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

Liabilities / Assets

13th percentile

0.79x

Higher debt load relative to assets than 13% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

12th percentile

8.20x

Higher debt load relative to revenue than 12% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

39th percentile

7.1%

Higher net margin than 39% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

71st percentile

$146,860

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

42nd percentile

-0.3%

Faster asset growth than 42% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

32nd percentile

3.7%

Faster revenue growth than 32% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets13th percentile

Assets

Down

$28,058,725

Down $83,920 (-0.3%) from 2023

Liabilities

Up

$22,104,746

Up $75,282 (+0.3%) from 2023

Net Assets

Down

$5,953,979

Down $159,202 (-2.6%) from 2023

Operations
Liabilities / Revenue12th percentileNet Margin39th percentile

Revenue

Up

$2,694,815

Up $96,718 (+3.7%) from 2023

Expenses

Up

$2,504,017

Up $222,345 (+9.7%) from 2023

Net Income

Down

$190,798

Down $125,627 (-40%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth42nd percentile

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

$30M$20M$10M$0Assets 2010: $16,706,246Liabilities 2010: $13,256,691Net Assets 2010: $3,449,5552010Assets 2011: $16,762,488Liabilities 2011: $13,043,678Net Assets 2011: $3,718,8102011Assets 2012: $16,476,209Liabilities 2012: $12,242,051Net Assets 2012: $4,234,1582012Assets 2013: $17,291,733Liabilities 2013: $12,853,417Net Assets 2013: $4,438,3162013Assets 2014: $18,514,024Liabilities 2014: $13,912,639Net Assets 2014: $4,601,3852014Assets 2015: $18,464,492Liabilities 2015: $13,944,147Net Assets 2015: $4,520,3452015Assets 2016: $18,383,064Liabilities 2016: $13,751,903Net Assets 2016: $4,631,1612016Assets 2017: $18,917,074Liabilities 2017: $13,916,773Net Assets 2017: $5,000,3012017Assets 2018: $19,538,188Liabilities 2018: $14,306,014Net Assets 2018: $5,232,1742018Assets 2019: $20,284,592Liabilities 2019: $14,738,207Net Assets 2019: $5,546,3852019Assets 2020: $24,892,713Liabilities 2020: $19,249,964Net Assets 2020: $5,642,7492020Assets 2021: $28,563,820Liabilities 2021: $22,686,286Net Assets 2021: $5,877,5342021Assets 2022: $28,147,449Liabilities 2022: $22,050,693Net Assets 2022: $6,096,7562022Assets 2023: $28,142,645Liabilities 2023: $22,029,464Net Assets 2023: $6,113,1812023Assets 2024: $28,058,725Liabilities 2024: $22,104,746Net Assets 2024: $5,953,9792024

Highlighted filing

2024

Assets$28,058,725
Liabilities$22,104,746
Net Assets$5,953,979
Open 2024 Filing

Operations Trend

Revenue Growth32nd percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,050,2682010Expenses 2011: $2,509,1502011Expenses 2012: $2,209,1892012Revenue 2013: $2,128,573Expenses 2013: $1,924,415Net Income 2013: $204,1582013Revenue 2014: $2,041,147Expenses 2014: $1,878,078Net Income 2014: $163,0692014Revenue 2015: $1,964,326Expenses 2015: $2,045,366Net Income 2015: -$81,0402015Revenue 2016: $1,896,682Expenses 2016: $1,785,866Net Income 2016: $110,8162016Revenue 2017: $1,988,712Expenses 2017: $1,619,572Net Income 2017: $369,1402017Revenue 2018: $2,040,852Expenses 2018: $1,808,979Net Income 2018: $231,8732018Revenue 2019: $2,100,547Expenses 2019: $1,786,336Net Income 2019: $314,2112019Revenue 2020: $1,827,289Expenses 2020: $1,740,925Net Income 2020: $86,3642020Revenue 2021: $2,063,503Expenses 2021: $1,828,718Net Income 2021: $234,7852021Revenue 2022: $2,341,735Expenses 2022: $2,122,513Net Income 2022: $219,2222022Revenue 2023: $2,598,097Expenses 2023: $2,281,672Net Income 2023: $316,4252023Revenue 2024: $2,694,815Expenses 2024: $2,504,017Net Income 2024: $190,7982024

Highlighted filing

2024

Revenue$2,694,815
Expenses$2,504,017
Net Income$190,798
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,058,725
Liabilities
$22,104,746
Net assets
$5,953,979
Revenue
$2,694,815
Expenses
$2,504,017
Net income
$190,798
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$28.1$22.1$5.95$2.69$2.50$0.19
2023Detailed filing. Detailed filing data is available for this year.$28.1$22.0$6.11$2.60$2.28$0.32
2022Detailed filing. Detailed filing data is available for this year.$28.1$22.1$6.10$2.34$2.12$0.22
2021Detailed filing. Detailed filing data is available for this year.$28.6$22.7$5.88$2.06$1.83$0.23
2020Detailed filing. Detailed filing data is available for this year.$24.9$19.2$5.64$1.83$1.74$0.09
2019Detailed filing. Detailed filing data is available for this year.$20.3$14.7$5.55$2.10$1.79$0.31
2018Detailed filing. Detailed filing data is available for this year.$19.5$14.3$5.23$2.04$1.81$0.23
2017Detailed filing. Detailed filing data is available for this year.$18.9$13.9$5.00$1.99$1.62$0.37
2016Detailed filing. Detailed filing data is available for this year.$18.4$13.8$4.63$1.90$1.79$0.11
2015Detailed filing. Detailed filing data is available for this year.$18.5$13.9$4.52$1.96$2.05$0.08
2014Detailed filing. Detailed filing data is available for this year.$18.5$13.9$4.60$2.04$1.88$0.16
2013Detailed filing. Detailed filing data is available for this year.$17.3$12.9$4.44$2.13$1.92$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.5$12.2$4.23$2.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.8$13.0$3.72$2.51
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.7$13.3$3.45$3.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.0
Gross Receipts
$2,694,815
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 savings deposits at a competative rate if interest.

To assist our members in the management of their financial well-being by providing loans , savings accounts and other financial institution services in a friendly and professional manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,644,193$13,652,945▼ $991,248
Investments in Publicly Traded Securities$8,690,000$7,454,000▼ $1,236,000
Rtn Earn Endowment Incm Other Fnds$6,113,181$5,953,979▼ $159,202
Savings and Temporary Cash Investments$2,030,803$4,197,279▲ $2,166,476
Cash and Non-Interest-Bearing Accounts$1,278,785$1,513,392▲ $234,607
Land, Buildings, and Equipment, Net$753,894$705,108▼ $48,786
Prepaid Expenses and Deferred Charges$46,352$48,649▲ $2,297
Investments Other Securities$40,212$40,212→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$28,142,645$28,058,725▼ $83,920
Other Assets Total$658,406$447,140▼ $211,266
Liabilities
Other Liabilities$21,509,377$21,792,147▲ $282,770
Accounts Payable and Accrued Expenses$520,087$312,599▼ $207,488
Total Liabilities$22,029,464$22,104,746▲ $75,282
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,113,181$5,953,979▼ $159,202
Total Liabilities and Net Assets / Fund Balance$28,142,645$28,058,725▼ $83,920

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$252,709$0
Other Land Buildings$33,044$141,262$0
Land$41,601-$0
Equipment$67,195$904,543$0
Leasehold Improvements$563,268$524,680$0
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Deborah Walker FearsPresident/CEOFT$146,860$146,860

Board Members and Trustees

NameTitle
Charles E MayChairman of the Board
Barbara J SingletonVice Chair of the Board
Eddie T ToddDirector
Laneda R PittsDirector
Michelle JohnsonDirector
Carol CookSecretary of the Board
Kenneth AllenTreasurer of the Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,302,725
Investment Income
$392,090
Other Revenue
$0
Change in Net Assets
$190,798
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,580,523
Salaries, Compensation, and Employee Benefits$923,494
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$595,886
Occupancy---$170,134
Office Expenses---$159,232
Other Expenses---$156,328
Information Technology---$151,669
Current Officers, Directors, Trustees, and Key Employees---$146,860
Other Employee Benefits---$112,265
Conferences and Meetings---$107,765
Depreciation Depletion---$76,848
All Other Expenses---$58,266
Payroll Taxes---$56,954
Insurance---$40,674
Advertising---$29,781
Fees for Services Accounting---$18,100
Pension Plan Contributions---$11,529
Total Functional Expenses$0$0$0$2,504,017
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$1,400
Total Exempt Function Spending$1,400
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$1,400
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Savings and Deposits$21,792,147
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Membership consists of individuals with funds on deposit with the credit union. The credit union had 4900 members at the end of december 31, 2024.”

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

“The membership elects the board of directors annually at an annual meeting of members held for that purpose.”

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

“A merger of liquidation must be approved by the membership.”

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

“All management officers of the credit union perform a reviw of the completed form 990 prior to its submission.”

Form 990, Part VI, Section B, Line 15

“The credit union maintains a competitive market compensation program for its president, vice presidents, and all other employees. The program was reviewed in 2024 and on an annual basis. Compensation adjustments are made based on the competitive market, employment history, experience and performance. The board of director's executive committee reviewed and adjusted the compensation of president in 2024 and reviews annually.”

Form 990, Part VI, Section C, Line 19

“The governing documents, charter, by-laws and financial statements are maintained in the credit union's main office and available to the membership upon request.”

Filing and Contact Details

Filer

Filer Name
Chicago Post Office Employees Credit Union
EIN
36-0903975
Phone
7738812500
Address
10025 SOUTH WESTERN AVENUE, CHICAGO, IL 60643

Signing Officer

Name
Deborah Fears
Title
President/CEO
Phone
7738812500
Signed
2025-05-15

Organization Details

Principal Officer
Deborah Fears
Formed
1928
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
14
Volunteers
12
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Adjustment withdrawal made from capital for CECL/Allowance for Loan Loss”

Financial Statement Notes

Schedule D, Part X, Line 2

“The Credit Union is a state-chartered credit union described in Internal Revenue Code Section 501(c)(14). As such, the Credit Union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. The Credit Union had no unrelated business income in 2024 that management believes is subject to tax. The Credit Union's 2021, 2022 and 2023 annual information returns filed with the Internal Revenue Service are open to examination.”

Raw XML AppendixShowing 400 of 407 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.

Path#Value
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IRS990/ActivityOrMissionDesc0TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS , SAVINGS ACCOUNTS AND OTHER FINANCIAL INSTITUTION SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7TREASURER OF THE BOARD
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IRS990/NetAssetsOrFundBalancesEOYAmt05953979
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0170134
IRS990/OfficeExpensesGrp/TotalAmt0159232
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0658406
IRS990/OtherAssetsTotalGrp/EOYAmt0447140
IRS990/OtherChangesInNetAssetsAmt0-350000
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0112265
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING AND COLLECTIONS
IRS990/OtherExpensesGrp/Desc2CREDIT AND DEBIT PROCESSING COSTS
IRS990/OtherExpensesGrp/Desc3SAVINGS DIVIDENDS TO MEMBERS
IRS990/OtherExpensesGrp/TotalAmt0227991
IRS990/OtherExpensesGrp/TotalAmt1130081
IRS990/OtherExpensesGrp/TotalAmt2253654
IRS990/OtherExpensesGrp/TotalAmt3156328
IRS990/OtherLiabilitiesGrp/BOYAmt021509377
IRS990/OtherLiabilitiesGrp/EOYAmt021792147
IRS990/OtherOrganizationDsc0COOPERATIVE
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0595886
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014644193
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013652945
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt056954
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt011529
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt046352
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt048649
IRS990/PrincipalOfficerNm0Deborah Fears
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1PRODUCT AND SERVICE FEES
IRS990/ProgramServiceRevenueGrp/Desc2INSURANCE RELATED PRODUCT INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01461874
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1759320
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt281531
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01461874
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1759320
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt281531
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0RECEIVED DEPOSITS ON SAVINGS FROM 4,900 MEMBERS. PAID OUT $156,328 IN DIVIDENDS TO ITS MEMBERS AT A MARKET RATE OF INTEREST ON $21,792,147 OF TOTAL SAVINGS AT DECEMBER 2024.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDED CHECKING ACCOUNT AND OVERDRAFT SERVICES TO 2,148 MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0215671
IRS990/PYOtherExpensesAmt01500123
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02382426
IRS990/PYRevenuesLessExpensesAmt0316425
IRS990/PYSalariesCompEmpBnftPaidAmt0781549
IRS990/PYTotalExpensesAmt02281672
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02598097
IRS990/ReconcilationRevenueExpnssAmt0190798
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06113181
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05953979
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02030803
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04197279
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt01400
IRS990ScheduleC/PoliticalExpendituresAmt01400
IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt00
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0363092340
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CREDIT UNION POLITICAL ACTION COUNCIL
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt01400
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01807 DIEHL ROAD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0NAPERVILLE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0IL
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd060566
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO THE CREDIT UNION POLITICAL ACTION COUNCIL THAT IS REPORTED IN PARTS 1-A AND 1-C OF THIS SCHEDULE C.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule C, Part I-A, Line 1
IRS990ScheduleC/TotalExemptFunctionExpendAmt01400
IRS990ScheduleC/VolunteerHoursCnt00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0252709
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0252709
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt067195
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0904543
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0971738
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt041601
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt041601
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0563268
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0524680
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt01087948
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt033044
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0141262
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0174306
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt021792147
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SAVINGS AND DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Credit Union is a state-chartered credit union described in Internal Revenue Code Section 501(c)(14). As such, the Credit Union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. The Credit Union had no unrelated business income in 2024 that management believes is subject to tax. The Credit Union's 2021, 2022 and 2023 annual information returns filed with the Internal Revenue Service are open to examination.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0705108
IRS990ScheduleD/TotalLiabilityAmt021792147
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERSHIP CONSISTS OF INDIVIDUALS WITH FUNDS ON DEPOSIT WITH THE CREDIT UNION. THE CREDIT UNION HAD 4900 MEMBERS AT THE END OF DECEMBER 31, 2024.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERSHIP ELECTS THE BOARD OF DIRECTORS ANNUALLY AT AN ANNUAL MEETING OF MEMBERS HELD FOR THAT PURPOSE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MERGER OF LIQUIDATION MUST BE APPROVED BY THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL MANAGEMENT OFFICERS OF THE CREDIT UNION PERFORM A REVIW OF THE COMPLETED FORM 990 PRIOR TO ITS SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION MAINTAINS A COMPETITIVE MARKET COMPENSATION PROGRAM FOR ITS PRESIDENT, VICE PRESIDENTS, AND ALL OTHER EMPLOYEES. THE PROGRAM WAS REVIEWED IN 2024 AND ON AN ANNUAL BASIS. COMPENSATION ADJUSTMENTS ARE MADE BASED ON THE COMPETITIVE MARKET, EMPLOYMENT HISTORY, EXPERIENCE AND PERFORMANCE. THE BOARD OF DIRECTOR'S EXECUTIVE COMMITTEE REVIEWED AND ADJUSTED THE COMPENSATION OF PRESIDENT IN 2024 AND REVIEWS ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE GOVERNING DOCUMENTS, CHARTER, BY-LAWS AND FINANCIAL STATEMENTS ARE MAINTAINED IN THE CREDIT UNION'S MAIN OFFICE AND AVAILABLE TO THE MEMBERSHIP UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Adjustment withdrawal made from capital for CECL/Allowance for Loan Loss
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt028142645
IRS990/TotalAssetsEOYAmt028058725
IRS990/TotalAssetsGrp/BOYAmt028142645
IRS990/TotalAssetsGrp/EOYAmt028058725
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02504017
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt022029464
IRS990/TotalLiabilitiesEOYAmt022104746
IRS990/TotalLiabilitiesGrp/BOYAmt022029464
IRS990/TotalLiabilitiesGrp/EOYAmt022104746
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06113181
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05953979
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt02302725
IRS990/TotalReportableCompFromOrgAmt0146860
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02694815
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02694815
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt028142645
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt028058725
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt010025 S Western Ave
IRS990/USAddress/CityNm0Chicago
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060643
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0cpoecu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Deborah Fears
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07738812500
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHICAGO POST OFFICE EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CHIC
ReturnHeader/Filer/EIN0360903975
ReturnHeader/Filer/PhoneNum07738812500
ReturnHeader/Filer/USAddress/AddressLine1Txt010025 SOUTH WESTERN AVENUE
ReturnHeader/Filer/USAddress/CityNm0CHICAGO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL

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