Civic Intelligence

Rockford Postal Employees Credit Union

990 • Fiscal year 2020 • EIN 36-1695980

Jan 01, 2020 to Dec 31, 2020 • Filed on May 10, 2021

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

45th percentile

0.86x

Higher debt load relative to assets than 45% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

74th percentile

25.98x

Higher debt load relative to revenue than 74% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Net Margin

29th percentile

1.9%

Higher net margin than 29% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

61st percentile

$83,428

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 13.5% of source-year revenue.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Asset Growth

30th percentile

7.9%

Faster asset growth than 30% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

39th percentile

-8.4%

Faster revenue growth than 39% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$18,580,742

Up $1,356,416 (+7.9%) from 2019

Net Assets

Up

$2,566,151

Up $11,838 (+0.5%) from 2019

Liabilities

Up

$16,014,591

Up $1,344,578 (+9.2%) from 2019

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin29th percentile

Revenue

Down

$616,360

Down $56,568 (-8.4%) from 2019

Expenses

Down

$604,522

Down $49,425 (-7.6%) from 2019

Net Income

Down

$11,838

Down $7,143 (-38%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth30th 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

2020

Assets$18,580,742
Liabilities$16,014,591
Net Assets$2,566,151
Open 2020 Filing

Operations Trend

Revenue Growth39th 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

2020

Revenue$616,360
Expenses$604,522
Net Income$11,838
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 10, 2021
Return Version
2020v4.0
Gross Receipts
$616,360
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$8,892,070$7,892,100▼ $999,970
Savings and Temporary Cash Investments$6,072,223$7,523,511▲ $1,451,288
Rtn Earn Endowment Incm Other Fnds$2,554,313$2,566,151▲ $11,838
Cash and Non-Interest-Bearing Accounts$389,898$452,841▲ $62,943
Prepaid Expenses and Deferred Charges$59,073$62,842▲ $3,769
Land, Buildings, and Equipment, Net$6,505$9,461▲ $2,956
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$17,224,326$18,580,742▲ $1,356,416
Other Assets Total$1,804,557$2,639,987▲ $835,430
Liabilities
Other Liabilities$14,646,703$15,990,661▲ $1,343,958
Accounts Payable and Accrued Expenses$23,310$23,930▲ $620
Total Liabilities$14,670,013$16,014,591▲ $1,344,578
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,554,313$2,566,151▲ $11,838
Total Liabilities and Net Assets / Fund Balance$17,224,326$18,580,742▲ $1,356,416

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$7,804$2,336$0
Leasehold Improvements$1,657$6,051$0
Other Assets Org$2,490,000--
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Tracy BeyerPresidentFT$83,428$83,428

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$484,207
Investment Income
$132,153
Other Revenue
$0
Change in Net Assets
$11,838
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$366,872
Salaries, Compensation, and Employee Benefits$237,650
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$87,903
Current Officers, Directors, Trustees, and Key Employees---$85,019
Fees for Services Other---$61,733
Occupancy---$60,260
Other Employee Benefits---$45,961
Office Expenses---$44,930
Information Technology---$33,882
Other Expenses---$29,423
Payroll Taxes---$13,300
Insurance---$11,582
Payments to Affiliates---$9,457
Depreciation Depletion---$8,092
Fees for Services Accounting---$7,583
Pension Plan Contributions---$5,467
Advertising---$5,267
Conferences and Meetings---$4,039
All Other Expenses---$1,646
Fees for Services Legal---$1,305
Travel---$266
Total Functional Expenses$0$0$0$604,522
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
Share & Share Draft Balances$15,990,661
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
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 has 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 items and they will be provided in a timely manner.”

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
2021-05-10

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 for Share Draft, ACH, ATM, and Loan Processing”

Raw XML AppendixShowing 400 of 433 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
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01405 West Lane Rd
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118414
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt235274
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt315580
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0414939
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt118414
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt235274
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt315580
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/PYInvestmentIncomeAmt0203929
IRS990/PYOtherExpensesAmt0406461
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0468999
IRS990/PYRevenuesLessExpensesAmt018981
IRS990/PYSalariesCompEmpBnftPaidAmt0247486
IRS990/PYTotalExpensesAmt0653947
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0672928
IRS990/ReconcilationRevenueExpnssAmt011838
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/BOYAmt02554313
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02566151
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06072223
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07523511
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt07804
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02336
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt010140
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01657
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt06051
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt07708
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0144367
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt15620
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt22490000
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INTEREST ON INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2CERTIFICATES OF DEPOSIT > 1 YEAR
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015990661
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE & SHARE DRAFT BALANCES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09461
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02639987
IRS990ScheduleD/TotalLiabilityAmt015990661
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union has 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 items and they will be provided in a timely manner.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5This amount includes expenses for Share Draft, ACH, ATM, and 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/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt017224326
IRS990/TotalAssetsEOYAmt018580742
IRS990/TotalAssetsGrp/BOYAmt017224326
IRS990/TotalAssetsGrp/EOYAmt018580742
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0604522
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt014670013
IRS990/TotalLiabilitiesEOYAmt016014591
IRS990/TotalLiabilitiesGrp/BOYAmt014670013
IRS990/TotalLiabilitiesGrp/EOYAmt016014591
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02554313
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02566151
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0484207
IRS990/TotalReportableCompFromOrgAmt083428
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0616360
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0616360
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017224326
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018580742
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0266

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$18,580,742
Liabilities
$16,014,591
Net assets
$2,566,151
Revenue
$616,360
Expenses
$604,522
Net income
$11,838
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