Civic Intelligence

Sherwin Williams Employees Credit Union

990 • Fiscal year 2013 • EIN 36-1768818

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 15, 2014

Organization Profilewww.swcu.org

View Organization Page

16230 Prince Drive60473

(708) 333-0900

Siviq Scores

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

Liabilities / Assets

28th percentile

0.85x

Higher debt load relative to assets than 28% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

54th percentile

20.28x

Higher debt load relative to revenue than 54% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

10th percentile

-10%

Higher net margin than 10% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

41st percentile

$87,498

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 6.8% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

25th percentile

-0.9%

Faster asset growth than 25% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets28th percentile

Assets

Down

$30,679,856

Down $265,770 (-0.9%) from 2012

Net Assets

Down

$4,462,830

Down $470,017 (-9.5%) from 2012

Liabilities

Up

$26,217,026

Up $204,247 (+0.8%) from 2012

Revenue And Expenses
Liabilities / Revenue54th percentileNet Margin10th percentile

Revenue

$1,292,723

No earlier filing loaded for comparison.

Expenses

Up

$1,423,891

Up $23,446 (+1.7%) from 2012

Net Income

-$131,168

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

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

$40M$30M$20M$10M$0Assets 2010: $31,514,460Liabilities 2010: $26,608,490Net Assets 2010: $4,905,9702010Assets 2011: $30,763,860Liabilities 2011: $25,796,940Net Assets 2011: $4,966,9202011Assets 2012: $30,945,626Liabilities 2012: $26,012,779Net Assets 2012: $4,932,8472012Assets 2013: $30,679,856Liabilities 2013: $26,217,026Net Assets 2013: $4,462,8302013Assets 2014: $29,669,312Liabilities 2014: $25,196,982Net Assets 2014: $4,472,3302014Assets 2015: $30,819,281Liabilities 2015: $26,413,773Net Assets 2015: $4,405,5082015Assets 2017: $30,310,520Liabilities 2017: $25,780,622Net Assets 2017: $4,529,8982017Assets 2018: $30,302,900Liabilities 2018: $25,709,345Net Assets 2018: $4,593,5552018Assets 2019: $29,677,926Liabilities 2019: $24,804,060Net Assets 2019: $4,873,8662019Assets 2020: $33,654,535Liabilities 2020: $28,669,558Net Assets 2020: $4,984,9772020Assets 2021: $36,742,161Liabilities 2021: $31,789,222Net Assets 2021: $4,952,9392021Assets 2022: $34,516,663Liabilities 2022: $31,424,620Net Assets 2022: $3,092,0432022

Highlighted filing

2013

Assets$30,679,856
Liabilities$26,217,026
Net Assets$4,462,830
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,238,0262010Expenses 2011: $1,602,7982011Expenses 2012: $1,400,4452012Revenue 2013: $1,292,723Expenses 2013: $1,423,891Net Income 2013: -$131,1682013Revenue 2014: $1,267,915Expenses 2014: $1,372,296Net Income 2014: -$104,3812014Revenue 2015: $1,182,413Expenses 2015: $1,264,146Net Income 2015: -$81,7332015Revenue 2017: $1,420,608Expenses 2017: $1,364,835Net Income 2017: $55,7732017Revenue 2018: $1,488,096Expenses 2018: $1,425,020Net Income 2018: $63,0762018Revenue 2019: $1,611,222Expenses 2019: $1,357,050Net Income 2019: $254,1722019Revenue 2020: $1,417,260Expenses 2020: $1,323,386Net Income 2020: $93,8742020Revenue 2021: $1,500,025Expenses 2021: $1,302,105Net Income 2021: $197,9202021Revenue 2022: $1,310,628Expenses 2022: $1,296,588Net Income 2022: $14,0402022

Highlighted filing

2013

Revenue$1,292,723
Expenses$1,423,891
Net Income-$131,168
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 15, 2014
Return Version
2013v3.1
Gross Receipts
$1,292,723
Mission and Program Overview

Mission

To assist members in the management of their finances by providing loans, deposit accounts, and other financial services in a professional, cost effective manner.

State chartered credit union that assists members by providing loans, savings accounts, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$16,633,879$17,504,352▲ $870,473
Other Notes and Loans Receivable, Net$7,250,551$6,400,937▼ $849,614
Rtn Earn Endowment Incm Other Fnds$4,932,847$4,462,830▼ $470,017
Investments Other Securities$2,899,138$3,144,138▲ $245,000
Savings and Temporary Cash Investments$3,043,198$2,609,582▼ $433,616
Land, Buildings, and Equipment, Net$401,253$385,377▼ $15,876
Cash and Non-Interest-Bearing Accounts$326,173$289,725▼ $36,448
Total Assets$30,945,626$30,679,856▼ $265,770
Other Assets Total$391,434$345,745▼ $45,689
Liabilities
Other Liabilities$25,869,524$26,108,894▲ $239,370
Accounts Payable and Accrued Expenses$143,255$108,132▼ $35,123
Total Liabilities$26,012,779$26,217,026▲ $204,247
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,932,847$4,462,830▼ $470,017
Total Liabilities and Net Assets / Fund Balance$30,945,626$30,679,856▼ $265,770

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$358,068-$358,068
Equipment$27,309-$27,309
Other Securities$54,138--
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Raymond SantareTreasurer-PresFT$87,498$87,498

Board Members and Trustees

NameTitle
Angie HarrisChairperson
William MorseVice Chairperson
Bernice DotsonDirector
Charlene LewisDirector
Diane AzzolinDirector
Linda BrownDirector
Viola CassarottoDirector
Jerry BroomsSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,046,699
Investment Income
$246,024
Other Revenue
$0
Change in Net Assets
$-131,168
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,423,891
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses---$1,423,891
Total Functional Expenses$0$0$0$1,423,891
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$500
Total Exempt Function Spending$500

Section 527 Organizations

OrganizationLocationAmount
36-3092340-$500
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$26,108,894
Member deposit accounts-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

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

“The form 990 is reviewed by the credit union president prior to filing.”

Form 990, Part VI, Section B, Line 15

“All salary matters are subject to the review and approval of the salary committee.”

Form 990, Part VI, Section C, Line 19

“Financial information is publicly available from the National Credit Union Administration.”

Filing and Contact Details

Filer

EIN
36-1768818
Phone
7083330900

Signing Officer

Name
Raymond Santare
Title
President
Signed
2014-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ray Santare
Formed
1936
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
8
Employees
14
Volunteers
10

Preparer

Preparer
James Dickeson CPA
Phone
6302405580
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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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IRS990ScheduleD/TotalLiabilityAmt026108894
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0251978
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Consumer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm017 officer and dir loans
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0251978
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The form 990 is reviewed by the credit union president prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1All salary matters are subject to the review and approval of the salary committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Financial information is publicly available from the National Credit Union Administration.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030945626
IRS990/TotalAssetsEOYAmt030679856
IRS990/TotalAssetsGrp/BOYAmt030945626
IRS990/TotalAssetsGrp/EOYAmt030679856
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/TotalAmt01423891
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt026012779
IRS990/TotalLiabilitiesEOYAmt026217026
IRS990/TotalLiabilitiesGrp/BOYAmt026012779
IRS990/TotalLiabilitiesGrp/EOYAmt026217026
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04932847
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04462830
IRS990/TotalProgramServiceRevenueAmt01046699
IRS990/TotalReportableCompFromOrgAmt087498
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01292723
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01292723
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030945626
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt030679856
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1016230 Prince Drive
IRS990/USAddress/City0South Holland
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode060573
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0www.swcu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Raymond Santare
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine10SHERWIN-WILLIAMS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SHER
ReturnHeader/Filer/EIN0361768818
ReturnHeader/Filer/PhoneNum07083330900
ReturnHeader/Filer/USAddress/AddressLine1016230 Prince Drive
ReturnHeader/Filer/USAddress/City0South Holland
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode060473
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Dickeson & Associates Ltd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine107300 W 25th Street 1218
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Riverside
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode060546
ReturnHeader/PreparerPersonGrp/PhoneNum06302405580
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0James Dickeson CPA
ReturnHeader/ReturnTs02014-11-15T07:46:23-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$30,679,856
Liabilities
$26,217,026
Net assets
$4,462,830
Revenue
$1,292,723
Expenses
$1,423,891
Net income
-$131,168
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.5$31.4$3.09$1.31$1.30$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.7$31.8$4.95$1.50$1.30$0.20
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.7$28.7$4.98$1.42$1.32$0.09
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.7$24.8$4.87$1.61$1.36$0.25
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.3$25.7$4.59$1.49$1.43$0.06
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.3$25.8$4.53$1.42$1.36$0.06
2015Detailed filing. Detailed filing data is available for this year.$30.8$26.4$4.41$1.18$1.26$0.08
2014Detailed filing. Detailed filing data is available for this year.$29.7$25.2$4.47$1.27$1.37$0.10
2013Detailed filing. Detailed filing data is available for this year.$30.7$26.2$4.46$1.29$1.42$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.9$26.0$4.93$1.40
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.8$25.8$4.97$1.60
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.5$26.6$4.91$2.24
Peer Organizations

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