Civic Intelligence

Rockford Postal Employees Credit Union

990 • Fiscal year 2018 • EIN 36-1695980

Jan 01, 2018 to Dec 31, 2018 • Filed on Apr 30, 2019

Organization Profilewww.linxuscu.org

View Organization Page

1405 West Lane Rd Suite AMachesney Park, IL 61115

(815) 282-8711

Siviq Scores

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

Liabilities / Assets

47th percentile

0.86x

Higher debt load relative to assets than 47% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

85th percentile

25.40x

Higher debt load relative to revenue than 85% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Net Margin

42nd percentile

8.1%

Higher net margin than 42% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

53rd percentile

$77,900

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 12.7% of source-year revenue.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Asset Growth

40th percentile

-1.1%

Faster asset growth than 40% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2018

Revenue Growth

18th percentile

3.6%

Faster revenue growth than 18% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2018

Balance Sheet
Liabilities / Assets47th percentile

Assets

Down

$18,118,174

Down $405,529 (-2.2%) from 2016

Net Assets

Up

$2,535,332

Up $78,990 (+3.2%) from 2016

Liabilities

Down

$15,582,842

Down $484,519 (-3.0%) from 2016

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin42nd percentile

Revenue

Up

$613,530

Up $42,219 (+7.4%) from 2016

Expenses

Up

$564,055

Up $22,948 (+4.2%) from 2016

Net Income

Up

$49,475

Up $19,271 (+64%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth40th percentile

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

$30M$20M$10M$0Assets 2010: $16,971,932Liabilities 2010: $14,615,729Net Assets 2010: $2,356,2032010Assets 2011: $16,739,998Liabilities 2011: $14,366,783Net Assets 2011: $2,373,2152011Assets 2012: $16,856,168Liabilities 2012: $14,469,550Net Assets 2012: $2,386,6182012Assets 2013: $16,938,375Liabilities 2013: $14,531,958Net Assets 2013: $2,406,4172013Assets 2014: $16,990,827Liabilities 2014: $14,583,902Net Assets 2014: $2,406,9252014Assets 2015: $17,522,023Liabilities 2015: $15,095,885Net Assets 2015: $2,426,1382015Assets 2016: $18,523,703Liabilities 2016: $16,067,361Net Assets 2016: $2,456,3422016Assets 2018: $18,118,174Liabilities 2018: $15,582,842Net Assets 2018: $2,535,3322018Assets 2019: $17,224,326Liabilities 2019: $14,670,013Net Assets 2019: $2,554,3132019Assets 2020: $18,580,742Liabilities 2020: $16,014,591Net Assets 2020: $2,566,1512020Assets 2021: $20,188,491Liabilities 2021: $17,619,246Net Assets 2021: $2,569,2452021Assets 2022: $19,159,819Liabilities 2022: $16,515,637Net Assets 2022: $2,644,1822022Assets 2023: $17,083,958Liabilities 2023: $14,418,131Net Assets 2023: $2,665,8272023Assets 2024: $17,485,477Liabilities 2024: $14,786,452Net Assets 2024: $2,699,0252024

Highlighted filing

2018

Assets$18,118,174
Liabilities$15,582,842
Net Assets$2,535,332
Open 2018 Filing

Operations Trend

Revenue Growth18th percentile

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

$1.0M$500K$0Expenses 2010: $630,1592010Expenses 2011: $663,1972011Expenses 2012: $558,5852012Revenue 2013: $559,034Expenses 2013: $540,007Net Income 2013: $19,0272013Revenue 2014: $555,588Expenses 2014: $553,417Net Income 2014: $2,1712014Revenue 2015: $555,845Expenses 2015: $536,632Net Income 2015: $19,2132015Revenue 2016: $571,311Expenses 2016: $541,107Net Income 2016: $30,2042016Revenue 2018: $613,530Expenses 2018: $564,055Net Income 2018: $49,4752018Revenue 2019: $672,928Expenses 2019: $653,947Net Income 2019: $18,9812019Revenue 2020: $616,360Expenses 2020: $604,522Net Income 2020: $11,8382020Revenue 2021: $540,481Expenses 2021: $537,387Net Income 2021: $3,0942021Revenue 2022: $655,041Expenses 2022: $580,104Net Income 2022: $74,9372022Revenue 2023: $754,778Expenses 2023: $733,133Net Income 2023: $21,6452023Revenue 2024: $869,241Expenses 2024: $836,043Net Income 2024: $33,1982024

Highlighted filing

2018

Revenue$613,530
Expenses$564,055
Net Income$49,475
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Apr 30, 2019
Return Version
2018v3.0
Gross Receipts
$613,530
Mission and Program Overview

Mission

Our purpose is to provide financial services to our members with competitive rates, while maintaining our financial stability.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,430,163$7,239,647▲ $809,484
Savings and Temporary Cash Investments$6,401,730$6,709,956▲ $308,226
Rtn Earn Endowment Incm Other Fnds$2,485,857$2,535,332▲ $49,475
Cash and Non-Interest-Bearing Accounts$295,528$309,381▲ $13,853
Prepaid Expenses and Deferred Charges$20,807$32,953▲ $12,146
Land, Buildings, and Equipment, Net$45,688$20,755▼ $24,933
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$18,499,255$18,118,174▼ $381,081
Other Assets Total$5,305,339$3,805,482▼ $1,499,857
Liabilities
Other Liabilities$15,992,023$15,560,516▼ $431,507
Accounts Payable and Accrued Expenses$21,375$22,326▲ $951
Total Liabilities$16,013,398$15,582,842▼ $430,556
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,485,857$2,535,332▲ $49,475
Total Liabilities and Net Assets / Fund Balance$18,499,255$18,118,174▼ $381,081

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$13,278$52,506$65,784
Leasehold Improvements$6,422$13,751$20,173
Other Land Buildings$1,055$6,417$7,472
Buildings$0$0$0
Land$0-$0
Other Assets Org$3,632,000--
Compensation and Service Providers
Top Officer Pay53rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Tracy BeyerPresidentFT$77,900$77,900

Board Members and Trustees

NameTitle
Kirk GilleChairman
Philip PfeiferVice Chairman
Clectice TemplemanDirector
Debbie SwansonDirector
Doug SimlerDirector
Matt MaloneDirector
Pauletta FrantaSecretary
Mike JohnsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$420,885
Investment Income
$192,645
Other Revenue
$0
Change in Net Assets
$49,475
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$329,923
Salaries, Compensation, and Employee Benefits$234,132
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$90,662
Current Officers, Directors, Trustees, and Key Employees---$79,491
Fees for Services Other---$61,310
Occupancy---$58,352
Other Employee Benefits---$45,552
Office Expenses---$43,522
Information Technology---$28,444
Conferences and Meetings---$17,050
Depreciation Depletion---$13,820
Payroll Taxes---$13,329
Payments to Affiliates---$11,137
Advertising---$10,237
Insurance---$9,526
Other Expenses---$8,850
Fees for Services Accounting---$7,011
Pension Plan Contributions---$5,098
Fees for Services Legal---$1,485
Travel---$346
Total Functional Expenses$0$0$0$564,055
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
All Share and Share Draft Account Balances$15,560,516
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union does have members.”

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

“The members elect the governing body of the credit union”

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

“The decisions of the governing body are subject to the approval of the members”

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

“The supervisory review may be completed by our internal auditors”

Form 990, Part VI, Section C, Line 19

“Members may request these documents and they will be provided in a timely manner. They are not provided to the general public”

Filing and Contact Details

Filer

Filer Name
Linxus Credit Union
EIN
36-1695980
Phone
8152828711
Address
1405 West Lane Rd Suite A, Machesney Park, IL 61115

Signing Officer

Name
Tracy Beyer
Title
President
Phone
8152828711
Signed
2019-04-30

Organization Details

Principal Officer
Tracy Beyer
Formed
1927
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
5
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“This amount includes expenses paid for Share Draft, ACH, ATM, & Loan Processing”

Raw XML AppendixShowing 400 of 425 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/BooksInCareOfDetail/PhoneNum08152828711
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IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt8President
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgSrvcAccomActy2Grp/Desc0Processed deposits, withdrawals, and payments for over 3000 accounts
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Provided new consumer and home equity loans in addition to servicing over 700 loan accounts
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0164620
IRS990/PYOtherExpensesAmt0346766
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0427113
IRS990/PYRevenuesLessExpensesAmt029515
IRS990/PYSalariesCompEmpBnftPaidAmt0215452
IRS990/PYTotalExpensesAmt0562218
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0591733
IRS990/ReconcilationRevenueExpnssAmt049475
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02485857
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02535332
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06401730
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06709956
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt013278
IRS990ScheduleD/EquipmentGrp/DepreciationAmt052506
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt065784
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt06422
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt013751
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt020173
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0159229
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt114253
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt23632000
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INTEREST OF INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2CERTIFICATES OF DEPOSIT > 1 YEAR
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01055
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt06417
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt07472
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015560516
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL SHARE AND SHARE DRAFT ACCOUNT BALANCES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt020755
IRS990ScheduleD/TotalBookValueOtherAssetsAmt03805482
IRS990ScheduleD/TotalLiabilityAmt015560516
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union does have members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members elect the governing body of the credit union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The decisions of the governing body are subject to the approval of the members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The supervisory review may be completed by our internal auditors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Members may request these documents and they will be provided in a timely manner. They are not provided to the general public
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5This amount includes expenses paid for Share Draft, ACH, ATM, & Loan Processing
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 C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt018499255
IRS990/TotalAssetsEOYAmt018118174
IRS990/TotalAssetsGrp/BOYAmt018499255
IRS990/TotalAssetsGrp/EOYAmt018118174
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0564055
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt016013398
IRS990/TotalLiabilitiesEOYAmt015582842
IRS990/TotalLiabilitiesGrp/BOYAmt016013398
IRS990/TotalLiabilitiesGrp/EOYAmt015582842
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02485857
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02535332
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0420885
IRS990/TotalReportableCompFromOrgAmt077900
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0613530
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0613530
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018499255
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018118174
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0346
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01405 WEST LANE RD
IRS990/USAddress/CityNm0MACHESNEY PARK

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$18,118,174
Liabilities
$15,582,842
Net assets
$2,535,332
Revenue
$613,530
Expenses
$564,055
Net income
$49,475
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$17.5$14.8$2.70$0.87$0.84$0.03
2023Detailed filing. Detailed filing data is available for this year.$17.1$14.4$2.67$0.75$0.73$0.02
2022Detailed filing. Detailed filing data is available for this year.$19.2$16.5$2.64$0.66$0.58$0.07
2021Detailed filing. Detailed filing data is available for this year.$20.2$17.6$2.57$0.54$0.54$0.00
2020Detailed filing. Detailed filing data is available for this year.$18.6$16.0$2.57$0.62$0.60$0.01
2019Detailed filing. Detailed filing data is available for this year.$17.2$14.7$2.55$0.67$0.65$0.02
2018Detailed filing. Detailed filing data is available for this year.$18.1$15.6$2.54$0.61$0.56$0.05
2016Detailed filing. Detailed filing data is available for this year.$18.5$16.1$2.46$0.57$0.54$0.03
2015Detailed filing. Detailed filing data is available for this year.$17.5$15.1$2.43$0.56$0.54$0.02
2014Detailed filing. Detailed filing data is available for this year.$17.0$14.6$2.41$0.56$0.55$0.00
2013Detailed filing. Detailed filing data is available for this year.$16.9$14.5$2.41$0.56$0.54$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.9$14.5$2.39$0.56
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.7$14.4$2.37$0.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.0$14.6$2.36$0.63