Civic Intelligence

Motorola Employees Credit Union

990 • Fiscal year 2018 • EIN 36-1508191

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 15, 2019

Organization Profilewww.andigo.org

View Organization Page

1501 E Woodfield RoadSchaumburg, IL 60173

(847) 576-5199

Siviq Scores

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

Liabilities / Assets

41st percentile

0.88x

Higher debt load relative to assets than 41% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

71st percentile

18.87x

Higher debt load relative to revenue than 71% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

21st percentile

9.4%

Higher net margin than 21% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

77th percentile

$552,854

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

2nd percentile

-3.2%

Faster asset growth than 2% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

48th percentile

10%

Faster revenue growth than 48% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets41st percentile

Assets

Down

$839,084,378

Down $28,051,129 (-3.2%) from 2017

Net Assets

Up

$97,332,278

Up $3,515,190 (+3.7%) from 2017

Liabilities

Down

$741,752,100

Down $31,566,319 (-4.1%) from 2017

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin21st percentile

Revenue

Up

$39,311,959

Up $3,729,440 (+10%) from 2017

Expenses

Up

$35,633,658

Up $2,615,431 (+7.9%) from 2017

Net Income

Up

$3,678,301

Up $1,114,009 (+43%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$1.0B$500M$0Assets 2014: $858,175,753Liabilities 2014: $771,275,506Net Assets 2014: $86,900,2472014Assets 2015: $888,878,919Liabilities 2015: $799,334,913Net Assets 2015: $89,544,0062015Assets 2017: $867,135,507Liabilities 2017: $773,318,419Net Assets 2017: $93,817,0882017Assets 2018: $839,084,378Liabilities 2018: $741,752,100Net Assets 2018: $97,332,2782018Assets 2019: $850,101,906Liabilities 2019: $746,040,512Net Assets 2019: $104,061,3942019

Highlighted filing

2018

Assets$839,084,378
Liabilities$741,752,100
Net Assets$97,332,278
Open 2018 Filing

Operations Trend

Revenue Growth48th percentile

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

$60M$40M$20M$0Revenue 2014: $31,352,571Expenses 2014: $26,224,241Net Income 2014: $5,128,3302014Revenue 2015: $30,972,476Expenses 2015: $26,804,272Net Income 2015: $4,168,2042015Revenue 2017: $35,582,519Expenses 2017: $33,018,227Net Income 2017: $2,564,2922017Revenue 2018: $39,311,959Expenses 2018: $35,633,658Net Income 2018: $3,678,3012018Revenue 2019: $43,497,190Expenses 2019: $37,616,202Net Income 2019: $5,880,9882019

Highlighted filing

2018

Revenue$39,311,959
Expenses$35,633,658
Net Income$3,678,301
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 15, 2019
Return Version
2018v3.0
Gross Receipts
$39,311,959
Mission and Program Overview

Mission

The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to its members located throughout the US using various channels including branches, a call center and the internet.

The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to its members located throughout the US using various channels including branches, a call center, and the internet.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$635,469,128$641,798,138▲ $6,329,010
Investments in Publicly Traded Securities$146,357,993$101,139,104▼ $45,218,889
Rtn Earn Endowment Incm Other Fnds$93,817,089$97,332,278▲ $3,515,189
Savings and Temporary Cash Investments$45,429,843$52,087,208▲ $6,657,365
Land, Buildings, and Equipment, Net$12,017,708$12,923,240▲ $905,532
Receivables From Officers Etc$1,754,836$2,165,984▲ $411,148
Prepaid Expenses and Deferred Charges$2,115,108$1,785,263▼ $329,845
Cash and Non-Interest-Bearing Accounts$686,408$837,547▲ $151,139
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$867,135,507$839,084,378▼ $28,051,129
Other Assets Total$23,304,483$26,347,894▲ $3,043,411
Liabilities
Other Liabilities$738,492,365$714,848,436▼ $23,643,929
Accounts Payable and Accrued Expenses$34,826,053$26,903,664▼ $7,922,389
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$773,318,418$741,752,100▼ $31,566,318
Net Assets / Fund Balance
Total Net Assets Fund Balance$93,817,089$97,332,278▲ $3,515,189
Total Liabilities and Net Assets / Fund Balance$867,135,507$839,084,378▼ $28,051,129

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,363,033$297,123$0
Other Land Buildings$1,627,325$6,244,263$0
Land$398,194-$0
Equipment$4,078,288$12,466,852$0
Leasehold Improvements$2,456,400$1,012,485$0
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael MurphyChief Executive OfficerFT$388,279$164,576$552,855
Larry RosinChief Financial OfficerFT$296,730$62,895$359,625
Jean TheisChief Operating OfficerFT$266,557$77,715$344,272
Sean BowersChief Lending OfficerFT$261,718$70,976$332,694
Matthew HancockVice President - Business ServicesFT$182,336$38,214$220,550
Joshua WardVice President - LendingFT$178,174$33,358$211,532
Christine StotlandVice President - Member ExperienceFT$165,885$29,502$195,387
Robert WilbergVice President - ControllerFT$153,124$26,331$179,455
Vicki TouchtonVice President - OperationsFT$17,804$157,962$175,766
Eric KapusinskiVice President - Information TechnologyFT$141,477$9,376$150,853
Sandra ZunigaAccounting ManagerFT$107,791$7,740$115,531
Mark HolladayBusiness Loan OfficerFT$93,704$20,751$114,455
Michael ChattertonWealth Management AdvisorFT$96,386$15,329$111,715
Robin BalfourTraining and Facility ManagerFT$101,983$7,797$109,780
Heather McGivernOperations ManagerFT$96,349$5,160$101,509

Board Members and Trustees

NameTitle
Ann SimmsChairman
Michael AnnesVice Chairman
Bob HubbertsDirector
Doris DowningDirector
Ed DelGrossoDirector
Jeannine MeyoDirector
John FioreDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$32,480,333
Investment Income
$6,831,626
Other Revenue
$0
Change in Net Assets
$3,678,301
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$23,904,193
Salaries, Compensation, and Employee Benefits$11,729,465
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$5,683,630
Current Officers, Directors, Trustees, and Key Employees---$3,275,977
Interest---$2,902,377
Other Expenses---$2,802,278
Information Technology---$2,129,090
Depreciation Depletion---$2,089,591
Office Expenses---$1,638,519
Advertising---$1,489,776
Other Employee Benefits---$1,382,900
Occupancy---$1,134,815
Pension Plan Contributions---$740,578
Payroll Taxes---$646,380
All Other Expenses---$491,968
Fees for Services Accounting---$155,280
Fees for Services Legal---$87,781
Travel---$52,024
Conferences and Meetings---$49,581
Insurance---$36,369
Fees for Services Management---$24,000
Total Functional Expenses$0$0$0$35,633,658
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$1,754,836$2,165,984▲ $411,148
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$714,848,436
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“No review was or will be conducted”

Form 990, Part VI, Section C, Line 18

“No documents available to the public”

Form 990, Part VI, Section C, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Andigo Credit Union
EIN
36-1508191
Phone
8475765199
Address
1501 E Woodfield Road, Schaumburg, IL 60173

Signing Officer

Name
Robert Wilberg
Title
Vice President - Controller
Phone
8475767370
Signed
2019-11-15

Organization Details

Principal Officer
Michael Murphy
Formed
1939
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
7
Employees
0
Volunteers
7
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18114455
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19111714
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20109780
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21101508
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chief Operating Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt10Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt11Vice President - Business Services
IRS990/Form990PartVIISectionAGrp/TitleTxt12Vice President - Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt13Vice President - Member Experience
IRS990/Form990PartVIISectionAGrp/TitleTxt14Vice President - Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt15Vice President - Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt16Vice President - Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt17Accounting Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt18Business Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt19Wealth Management Advisor
IRS990/Form990PartVIISectionAGrp/TitleTxt20Training and Facility Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt21Operations Manager
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01939
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0579500
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0579500
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt039311959
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt015
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02129090
IRS990/InsuranceGrp/TotalAmt036369
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt02902377
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt06252126
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06252126
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0146357993
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0101139104
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt020020723
IRS990/LandBldgEquipBasisNetGrp/BOYAmt012017708
IRS990/LandBldgEquipBasisNetGrp/EOYAmt012923240
IRS990/LandBldgEquipCostOrOtherBssAmt032943963
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to its members located throughout the US using various channels including branches, a call center, and the internet.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt093817089
IRS990/NetAssetsOrFundBalancesEOYAmt097332278
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
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IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt0579500
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-163112
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01134815
IRS990/OfficeExpensesGrp/TotalAmt01638519
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt023304483
IRS990/OtherAssetsTotalGrp/EOYAmt026347894
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01382900
IRS990/OtherExpensesGrp/Desc0Dividends
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Professional & Outside Services
IRS990/OtherExpensesGrp/Desc3Loan Service Expense
IRS990/OtherExpensesGrp/TotalAmt03272482
IRS990/OtherExpensesGrp/TotalAmt12887000
IRS990/OtherExpensesGrp/TotalAmt22661262
IRS990/OtherExpensesGrp/TotalAmt32802278
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0738492365
IRS990/OtherLiabilitiesGrp/EOYAmt0714848436
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0635469128
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0641798138
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0646380
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0740578
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02115108
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01785263
IRS990/PrincipalOfficerNm0Michael Murphy
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Other Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt027010805

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$839,084,378
Liabilities
$741,752,100
Net assets
$97,332,278
Revenue
$39,311,959
Expenses
$35,633,658
Net income
$3,678,301
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$850$746$104$43.5$37.6$5.88
2018Detailed filing. Detailed filing data is available for this year.$839$742$97.3$39.3$35.6$3.68
2017Detailed filing. Detailed filing data is available for this year.$867$773$93.8$35.6$33.0$2.56
2015Detailed filing. Detailed filing data is available for this year.$889$799$89.5$31.0$26.8$4.17
2014Detailed filing. Detailed filing data is available for this year.$858$771$86.9$31.4$26.2$5.13