Civic Intelligence

General Mills Employee Credit Union

EIN 36-1125564 • 501(c)14 • Lansing, IL

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Profile

CREDIT UNION

18525 Torrence AvenueLansing, IL 60438

www.gmecu.org

Siviq Scores

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

Liabilities / Assets

29th percentile

0.81x

Higher debt load relative to assets than 29% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

79th percentile

21.49x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

39th percentile

3.3%

Higher net margin than 39% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

89th percentile

$131,615

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 26.1% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

24th percentile

-4.3%

Faster asset growth than 24% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

20th percentile

-2.2%

Faster revenue growth than 20% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets29th percentile

Assets

Down

$13,887,345

Down $157,610 (-1.1%) from 2013

Liabilities

Down

$11,444,478

Down $176,636 (-1.5%) from 2013

Net Assets

Up

$2,442,867

Up $19,026 (+0.8%) from 2013

Operations
Liabilities / Revenue79th percentileNet Margin39th percentile

Revenue

Up

$515,510

Up $1,985 (+0.4%) from 2013

Expenses

Down

$496,483

Down $20,032 (-3.9%) from 2013

Net Income

Up

$19,027

Up $22,017 (+736%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth24th percentile

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

$15M$10M$5.0M$0Assets 2010: $13,440,557Liabilities 2010: $11,029,524Net Assets 2010: $2,411,0332010Assets 2011: $13,652,865Liabilities 2011: $11,235,446Net Assets 2011: $2,417,4192011Assets 2012: $13,870,356Liabilities 2012: $11,443,531Net Assets 2012: $2,426,8252012Assets 2013: $14,044,955Liabilities 2013: $11,621,114Net Assets 2013: $2,423,8412013Assets 2014: $13,887,345Liabilities 2014: $11,444,478Net Assets 2014: $2,442,8672014

Highlighted filing

2014

Assets$13,887,345
Liabilities$11,444,478
Net Assets$2,442,867
Open 2014 Filing

Operations Trend

Revenue Growth20th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $584,5982010Expenses 2011: $547,3012011Expenses 2012: $522,0252012Revenue 2013: $513,525Expenses 2013: $516,515Net Income 2013: -$2,9902013Revenue 2014: $515,510Expenses 2014: $496,483Net Income 2014: $19,0272014

Highlighted filing

2014

Revenue$515,510
Expenses$496,483
Net Income$19,027
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,887,345
Liabilities
$11,444,478
Net assets
$2,442,867
Revenue
$515,510
Expenses
$496,483
Net income
$19,027
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$13.9$11.4$2.44$0.52$0.50$0.02
2013Detailed filing. Detailed filing data is available for this year.$14.0$11.6$2.42$0.51$0.52$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.9$11.4$2.43$0.52
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.7$11.2$2.42$0.55
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.4$11.0$2.41$0.58
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 3, 2015
Return Version
2014v5.0
Gross Receipts
$515,510
Mission and Program Overview

Mission

CREDIT UNION

Credit union to promote thrift and provide low cost loans among members. This is accomplished on a co-operative non-profit basis for the mutual benefit of the membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,824,113$6,670,641▼ $153,472
Investments Program Related$3,665,943$4,444,486▲ $778,543
Rtn Earn Endowment Incm Other Fnds$2,423,841$2,442,867▲ $19,026
Savings and Temporary Cash Investments$3,192,002$2,428,269▼ $763,733
Cash and Non-Interest-Bearing Accounts$87,794$116,663▲ $28,869
Receivables From Officers Etc$63,572--
Prepaid Expenses and Deferred Charges$29,036$52,897▲ $23,861
Land, Buildings, and Equipment, Net$43,278$28,133▼ $15,145
Total Assets$14,044,955$13,887,345▼ $157,610
Other Assets Total$139,217$146,256▲ $7,039
Liabilities
Other Liabilities$11,614,546$11,438,395▼ $176,151
Accounts Payable and Accrued Expenses$6,568$6,083▼ $485
Total Liabilities$11,621,114$11,444,478▼ $176,636
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,423,841$2,442,867▲ $19,026
Total Liabilities and Net Assets / Fund Balance$14,044,955$13,887,345▼ $157,610

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$28,133$204,865$232,998
Investment Program Related Org$4,431,591--
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sarah PolicchioTreasurer/presidentPT$71,964$48,663$120,627
Beth MagerSecretary/vice PresFT$73,926$27,823$101,749

Board Members and Trustees

NameTitle
Susan AllgaierChairperson
George RenkelVice-chairperson
Greg KrasinskiDirector
John FloresDirector
Sharon HernandezDirector
Steve ScottDirector
Wendi ClaytonDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$405,000
Investment Income
$57,001
Other Revenue
$53,509
Change in Net Assets
$19,027
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$311,164
Other Expenses$182,990
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$222,376$0$0$222,376
Office Expenses$53,628$0$0$53,628
Comp Disqual Persons$48,971$0$0$48,971
All Other Expenses$44,221$0$0$44,221
Interest$20,436$0$0$20,436
Payroll Taxes$15,381$0$0$15,381
Depreciation Depletion$15,145$0$0$15,145
Fees for Services Other$13,252$0$0$13,252
Pension Plan Contributions$12,580$0$0$12,580
Occupancy$12,326$0$0$12,326
Other Employee Benefits$11,856$0$0$11,856
Advertising$3,900$0$0$3,900
Benefits to Members$2,329--$2,329
Conferences and Meetings$1,474$0$0$1,474
Travel$1,471$0$0$1,471
Other Expenses$1,242$0$0$1,242
Total Functional Expenses$496,483$0$0$496,483
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$63,572--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$10,672,376
Share Drafts$692,449
Christmas Club$68,109
Vacation Club$5,461
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
General Mills Employee Credit Union
EIN
36-1125564
Phone
7084182334
Address
18525 TORRENCE AVENUE, LANSING, IL 60438

Signing Officer

Name
Sarah Policchio
Title
President
Phone
7084182334
Signed
2015-05-03
Discuss with paid preparer
Yes

Organization Details

Formed
1939
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
7
Employees
4
Volunteers
7

Preparer

Firm
Homer Wilson & Co Ltd
Address
900 RIDGE ROAD SUITE S, MUNSTER, IN 46321-1727
Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Members of the credit union are shareholders”

Pt VI, Line 7A

“The members elect the board of directors at the annual meeting”

Pt VI, Line 15A

“A salary committee, comprised of board members, determines the salary increases”

Pt VI, Line 15B

“A salary committee, comprised of board members, determines the salary increases”

Pt XII, Line 1

“The credit union has not changed its method of accounting, it continues to use a modified cash basis for accounting”

Pt VI, Line 19

“Documents are available upon request”

Pt XI

“The difference of $1.00 is due to rounding”

Pt VI, Line 11B

“The president reviews prior to filing and the board reviews at the following board meeting”

Form 990, Part IX, Line 24F

“Association dues 8791. 8791. 0. 0. Loan processing 4325. 4325. 0. 0. Supervision fees 7463. 7463. 0. 0. Bank fees 23642. 23642. 0. 0. Collection exp 0. 0. 0. 0. Cash over/short 0. 0. 0. 0.”

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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/OtherRevenueMiscGrp/TotalRevenueColumnAmt19398
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt226090
IRS990/OtherRevenueTotalAmt053509
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt06824113
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt06670641
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt015381
IRS990/PayrollTaxesGrp/TotalAmt015381
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt012580
IRS990/PensionPlanContributionsGrp/TotalAmt012580
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt029036
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt052897
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0SARAH POLICCHIO
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522190
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOAN
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0405000
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt09756
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt058689
IRS990/PYOtherExpensesAmt0196701
IRS990/PYOtherRevenueAmt053697
IRS990/PYProgramServiceRevenueAmt0401139
IRS990/PYRevenuesLessExpensesAmt0-2990
IRS990/PYSalariesCompEmpBnftPaidAmt0310058
IRS990/PYTotalExpensesAmt0516515
IRS990/PYTotalRevenueAmt0513525
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt063572
IRS990/ReconcilationRevenueExpnssAmt019027
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02423841
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02442867
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03192002
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02428269
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt028133
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0204865
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0232998
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt012895
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt14431591
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0MIDSTATES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CERTIFICATES-BANKS, S&L
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010672376
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt168109
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2692449
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt35461
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CHRISTMAS CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3VACATION CLUB
IRS990ScheduleD/TotalBookValueLandBuildingsAmt028133
IRS990ScheduleD/TotalBookValueProgramRltdAmt04444486
IRS990ScheduleD/TotalLiabilityAmt011438395
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt020
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt18303
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt24501
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt32570
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4128
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt54202
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt64331
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt75829
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt815868
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt91064
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
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/LoanPurposeTxt0VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Share Secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt07000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt110000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt27500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt320000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt43500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt59644
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt66000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt77500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt832659
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt95000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt107500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0SARAH POLICCHIO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BETH MAGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BETH MAGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3SHARON HERNANDEZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4GEORGE RENKEL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JOHN FLORES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6JOHN FLORES

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