Civic Intelligence

Peoples Energy Credit Union

EIN 36-1591195 • 501(c)14 • Chicago, IL

View Organization Page

Profile

To build and maintain strong long lasting relationships with our members by providing superior service and fiscal security, while delivering financial products at competative rates.

200 E Randolph Drive 22nd FloorChicago, IL 60601

peoplesenergycu.org

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.83x

Higher debt load relative to assets than 23% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

94th percentile

27.41x

Higher debt load relative to revenue than 94% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

30th percentile

2.8%

Higher net margin than 30% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

43rd percentile

$107,831

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 12.4% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Asset Growth

4th percentile

-17%

Faster asset growth than 4% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

34th percentile

4.3%

Faster revenue growth than 34% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Down

$28,937,316

Down $5,907,384 (-17%) from 2022

Liabilities

Down

$23,928,675

Down $5,931,993 (-20%) from 2022

Net Assets

Up

$5,008,641

Up $24,609 (+0.5%) from 2022

Operations
Liabilities / Revenue94th percentileNet Margin30th percentile

Revenue

Up

$872,874

Up $35,869 (+4.3%) from 2022

Expenses

Up

$848,265

Up $17,346 (+2.1%) from 2022

Net Income

Up

$24,609

Up $18,523 (+304%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth4th percentile

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

$40M$30M$20M$10M$0Assets 2010: $34,219,486Liabilities 2010: $30,238,749Net Assets 2010: $3,980,7372010Assets 2011: $35,318,915Liabilities 2011: $31,095,175Net Assets 2011: $4,223,7402011Assets 2012: $35,986,747Liabilities 2012: $31,532,058Net Assets 2012: $4,454,6892012Assets 2013: $35,847,250Liabilities 2013: $31,237,523Net Assets 2013: $4,609,7272013Assets 2014: $34,606,978Liabilities 2014: $29,914,561Net Assets 2014: $4,692,4172014Assets 2015: $34,783,476Liabilities 2015: $29,985,048Net Assets 2015: $4,798,4282015Assets 2016: $35,071,198Liabilities 2016: $30,249,716Net Assets 2016: $4,821,4822016Assets 2017: $34,622,288Liabilities 2017: $29,747,937Net Assets 2017: $4,874,3512017Assets 2018: $33,062,651Liabilities 2018: $28,155,514Net Assets 2018: $4,907,1372018Assets 2019: $31,928,519Liabilities 2019: $27,014,544Net Assets 2019: $4,913,9752019Assets 2020: $35,666,990Liabilities 2020: $30,733,224Net Assets 2020: $4,933,7662020Assets 2021: $37,073,972Liabilities 2021: $32,096,026Net Assets 2021: $4,977,9462021Assets 2022: $34,844,700Liabilities 2022: $29,860,668Net Assets 2022: $4,984,0322022Assets 2023: $28,937,316Liabilities 2023: $23,928,675Net Assets 2023: $5,008,6412023

Highlighted filing

2023

Assets$28,937,316
Liabilities$23,928,675
Net Assets$5,008,641
Open 2023 Filing

Operations Trend

Revenue Growth34th percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $1,302,5872010Expenses 2011: $1,105,4672011Expenses 2012: $943,7322012Revenue 2013: $1,064,580Expenses 2013: $909,542Net Income 2013: $155,0382013Revenue 2014: $995,467Expenses 2014: $912,777Net Income 2014: $82,6902014Revenue 2015: $986,110Expenses 2015: $880,099Net Income 2015: $106,0112015Revenue 2016: $981,846Expenses 2016: $958,792Net Income 2016: $23,0542016Revenue 2017: $1,009,640Expenses 2017: $956,771Net Income 2017: $52,8692017Revenue 2018: $1,043,450Expenses 2018: $1,010,664Net Income 2018: $32,7862018Revenue 2019: $1,096,375Expenses 2019: $1,089,537Net Income 2019: $6,8382019Revenue 2020: $1,024,377Expenses 2020: $1,004,586Net Income 2020: $19,7912020Revenue 2021: $911,223Expenses 2021: $867,043Net Income 2021: $44,1802021Revenue 2022: $837,005Expenses 2022: $830,919Net Income 2022: $6,0862022Revenue 2023: $872,874Expenses 2023: $848,265Net Income 2023: $24,6092023

Highlighted filing

2023

Revenue$872,874
Expenses$848,265
Net Income$24,609
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,937,316
Liabilities
$23,928,675
Net assets
$5,008,641
Revenue
$872,874
Expenses
$848,265
Net income
$24,609
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$28.9$23.9$5.01$0.87$0.85$0.02
2022Detailed filing. Detailed filing data is available for this year.$34.8$29.9$4.98$0.84$0.83$0.01
2021Detailed filing. Detailed filing data is available for this year.$37.1$32.1$4.98$0.91$0.87$0.04
2020Detailed filing. Detailed filing data is available for this year.$35.7$30.7$4.93$1.02$1.00$0.02
2019Detailed filing. Detailed filing data is available for this year.$31.9$27.0$4.91$1.10$1.09$0.01
2018Detailed filing. Detailed filing data is available for this year.$33.1$28.2$4.91$1.04$1.01$0.03
2017Detailed filing. Detailed filing data is available for this year.$34.6$29.7$4.87$1.01$0.96$0.05
2016Detailed filing. Detailed filing data is available for this year.$35.1$30.2$4.82$0.98$0.96$0.02
2015Detailed filing. Detailed filing data is available for this year.$34.8$30.0$4.80$0.99$0.88$0.11
2014Detailed filing. Detailed filing data is available for this year.$34.6$29.9$4.69$1.00$0.91$0.08
2013Detailed filing. Detailed filing data is available for this year.$35.8$31.2$4.61$1.06$0.91$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.0$31.5$4.45$0.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.3$31.1$4.22$1.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.2$30.2$3.98$1.30
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
May 1, 2024
Return Version
2023v5.0
Gross Receipts
$872,874
Mission and Program Overview

Mission

To build and maintain strong long lasting relationships with our members by providing superior service and fiscal security, while delivering financial products at competative rates.

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
Investments in Publicly Traded Securities$17,705,000$12,385,000▼ $5,320,000
Other Notes and Loans Receivable, Net$11,055,826$11,612,090▲ $556,264
Rtn Earn Endowment Incm Other Fnds$4,984,032$5,008,641▲ $24,609
Savings and Temporary Cash Investments$4,767,000$3,822,000▼ $945,000
Cash and Non-Interest-Bearing Accounts$810,086$640,862▼ $169,224
Accounts Receivable$31,735$29,385▼ $2,350
Prepaid Expenses and Deferred Charges$8,812$10,792▲ $1,980
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$34,844,700$28,937,316▼ $5,907,384
Other Assets Total$466,241$437,187▼ $29,054
Liabilities
Other Liabilities$29,860,583$23,926,551▼ $5,934,032
Accounts Payable and Accrued Expenses$85$2,124▲ $2,039
Total Liabilities$29,860,668$23,928,675▼ $5,931,993
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,984,032$5,008,641▲ $24,609
Total Liabilities and Net Assets / Fund Balance$34,844,700$28,937,316▼ $5,907,384
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Patricia MurphyPresidentPT$107,831$107,831
Emma ShababyCFOFT$83,083$83,083

Board Members and Trustees

NameTitle
Cecilia JamesChairperson
Laurence SzumskiVice Chairsperson
Edwin KingBoard Member
Wayne WisniewskiSecretary
Richard MosarTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$509,548
Investment Income
$363,326
Other Revenue
$0
Change in Net Assets
$24,609
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$546,209
Salaries, Compensation, and Employee Benefits$302,056
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---$210,005
Office Expenses---$137,726
Other Salaries and Wages---$64,878
Other Expenses---$21,040
Payroll Taxes---$20,188
Fees for Services Accounting---$14,600
Insurance---$13,692
Payments to Affiliates---$11,920
Fees for Services Legal---$10,806
Pension Plan Contributions---$5,948
Advertising---$5,461
Conferences and Meetings---$3,588
Other Employee Benefits---$1,037
Total Functional Expenses$0$0$0$848,265
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member share balance$23,926,551
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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

“Members who elect the governing body and approve significant decisions.”

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

“Members”

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

“Members”

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

“No review was or will be conducted”

Form 990, Part VI, Section B, Line 15

“In 2023 the President and CFO's compensation was determined by comparing compensation of similar credit union personnel holding positions and preforming similar functions.”

Form 990, Part VI, Section C, Line 19

“All documents are available upon request, monthly financial statements are posted in lobby of the credit union office. Annual financial statements are available on the credit union website.”

Filing and Contact Details

Filer

Filer Name
Peoples Energy Credit Union
EIN
36-1591195
Phone
3122404970
Address
200 E Randolph Drive 22nd Floor, Chicago, IL 60601

Signing Officer

Name
Emma Shababy
Title
CFO
Phone
3122404970
Signed
2024-05-01

Organization Details

Principal Officer
Patricia Murphy
Formed
1935
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
1
Employees
5
Volunteers
7
Raw XML Appendix357 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/AccountsReceivableGrp/EOYAmt029385
IRS990/ActivitiesConductedPrtshpInd00
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IRS990/AdvertisingGrp/TotalAmt05461
IRS990/BooksInCareOfDetail/PersonNm0Emma Shababy
IRS990/BooksInCareOfDetail/PhoneNum03122404970
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0200 E Randolph Drive 22nd Floor
IRS990/BooksInCareOfDetail/USAddress/CityNm0Chicago
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060601
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IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
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IRS990/CompensationProcessCEOInd01
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IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0Provided consumer loans to 669 members.
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt027
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/PersonNm2Cecilia James
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IRS990/Form990PartVIISectionAGrp/PersonNm4Richard Mosar
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
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IRS990/ProgSrvcAccomActy3Grp/Desc0Received deposits on savings from 1,893members.
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IRS990/PYTotalExpensesAmt0830919
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0837005
IRS990/ReconcilationRevenueExpnssAmt024609
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IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members who elect the governing body and approve significant decisions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No review was or will be conducted
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4In 2023 the President and CFO's compensation was determined by comparing compensation of similar credit union personnel holding positions and preforming similar functions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All documents are available upon request, monthly financial statements are posted in lobby of the credit union office. Annual financial statements are available on the credit union website.
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
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IRS990/TerminateOperationsInd00
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesGrp/EOYAmt023928675
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05008641
IRS990/TotalOtherCompensationAmt00
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IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
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IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt06133
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
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IRS990/TypeOfOrganizationOtherInd0X
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0200 E Randolph St
IRS990/USAddress/AddressLine2Txt022nd Fl
IRS990/USAddress/CityNm0Chicago
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060601
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt01
IRS990/WebsiteAddressTxt0peoplesenergycu.org
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Emma Shababy
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum03122404970
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-05-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PEOPLES ENERGY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PEOP
ReturnHeader/Filer/EIN0361591195
ReturnHeader/Filer/PhoneNum03122404970
ReturnHeader/Filer/USAddress/AddressLine1Txt0200 E Randolph Drive 22nd Floor
ReturnHeader/Filer/USAddress/CityNm0Chicago
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060601
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02024-05-01T13:45:19-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Emma
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Shababy
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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