Civic Intelligence

Sherwin Williams Employees Credit Union

990 • Fiscal year 2014 • EIN 36-1768818

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 01, 2015

Organization Profilewww.swcu.org

View Organization Page

16230 Prince DriveSouth Holland, IL 60473

(708) 333-0900

Siviq Scores

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

Liabilities / Assets

25th percentile

0.85x

Higher debt load relative to assets than 25% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

49th percentile

19.87x

Higher debt load relative to revenue than 49% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

9th percentile

-8.2%

Higher net margin than 9% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

37th percentile

$86,206

Higher top officer pay than 37% of similar nonprofits.

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

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

10th percentile

-3.3%

Faster asset growth than 10% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

41st percentile

-1.9%

Faster revenue growth than 41% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets25th percentile

Assets

Down

$29,669,312

Down $1,010,544 (-3.3%) from 2013

Net Assets

Up

$4,472,330

Up $9,500 (+0.2%) from 2013

Liabilities

Down

$25,196,982

Down $1,020,044 (-3.9%) from 2013

Revenue And Expenses
Liabilities / Revenue49th percentileNet Margin9th percentile

Revenue

Down

$1,267,915

Down $24,808 (-1.9%) from 2013

Expenses

Down

$1,372,296

Down $51,595 (-3.6%) from 2013

Net Income

Up

-$104,381

Up $26,787 (+20%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth10th 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

2014

Assets$29,669,312
Liabilities$25,196,982
Net Assets$4,472,330
Open 2014 Filing

Operations Trend

Revenue Growth41st percentile

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

2014

Revenue$1,267,915
Expenses$1,372,296
Net Income-$104,381
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 1, 2015
Return Version
2014v5.0
Gross Receipts
$1,267,915
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$17,504,352$17,065,699▼ $438,653
Other Notes and Loans Receivable, Net$6,400,937$5,434,972▼ $965,965
Rtn Earn Endowment Incm Other Fnds$4,462,830$4,472,330▲ $9,500
Investments Other Securities$3,144,138$3,484,138▲ $340,000
Savings and Temporary Cash Investments$2,609,582$2,613,578▲ $3,996
Land, Buildings, and Equipment, Net$385,377$389,117▲ $3,740
Cash and Non-Interest-Bearing Accounts$289,725$370,211▲ $80,486
Total Assets$30,679,856$29,669,312▼ $1,010,544
Other Assets Total$345,745$311,597▼ $34,148
Liabilities
Other Liabilities$26,108,894$25,111,870▼ $997,024
Accounts Payable and Accrued Expenses$108,132$85,112▼ $23,020
Total Liabilities$26,217,026$25,196,982▼ $1,020,044
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,462,830$4,472,330▲ $9,500
Total Liabilities and Net Assets / Fund Balance$30,679,856$29,669,312▼ $1,010,544

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$356,862-$356,862
Equipment$32,255-$32,255
Other Securities$54,138--
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Raymond SantareTreasurer-CEOFT$86,206$86,206

Board Members and Trustees

NameTitle
Angie HarrisChairperson
William MorseVice Chairperson
Bernice DotsonBoard Member
Charlene LewisBoard Member
Diane AzzolinBoard Member
Linda BrownBoard Member
Viola CassarottoBoard Member
Jerry BroomsBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$975,202
Investment Income
$292,713
Other Revenue
$0
Change in Net Assets
$-104,381
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,372,296
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---$1,372,296
Total Functional Expenses$0$0$0$1,372,296
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$396
Total Exempt Function Spending$396

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$396
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$25,111,870
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 manager 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

Filer Name
Sherwin-williams Credit Union
EIN
36-1768818
Phone
7083330900
Address
16230 Prince Drive, South Holland, IL 60473

Signing Officer

Name
Eric Keyes
Title
Manager
Signed
2015-10-01
Discuss with paid preparer
Yes

Organization Details

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

Preparer

Firm
Dickeson & Associates Ltd
Address
7300 W 25th Street 1218, Riverside, IL 60546
Preparer
James Dickeson CPA
Phone
6302405580
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Equity acquired in merger.”

Raw XML Appendix365 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member deposit accounts
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03430000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt154138
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Bank certificate of deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc3Corp CU membership capital
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0389117
IRS990ScheduleD/TotalBookValueSecuritiesAmt03484138
IRS990ScheduleD/TotalLiabilityAmt025111870
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt094120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm017 officer and dir loans
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt094120
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Equity acquired in merger.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The form 990 is reviewed by the credit union manager prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2All salary matters are subject to the review and approval of the salary committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Financial information is publicly available from the National Credit Union Administration.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part XI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030679856
IRS990/TotalAssetsEOYAmt029669312
IRS990/TotalAssetsGrp/BOYAmt030679856
IRS990/TotalAssetsGrp/EOYAmt029669312
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/TotalAmt01372296
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt026217026
IRS990/TotalLiabilitiesEOYAmt025196982
IRS990/TotalLiabilitiesGrp/BOYAmt026217026
IRS990/TotalLiabilitiesGrp/EOYAmt025196982
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04462830
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04472330
IRS990/TotalProgramServiceRevenueAmt0975202
IRS990/TotalReportableCompFromOrgAmt086206
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01267915
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01267915
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030679856
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt029669312
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt016230 Prince Drive
IRS990/USAddress/CityNm0South Holland
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060573
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0www.swcu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Eric Keyes
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-10-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SHERWIN-WILLIAMS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SHER
ReturnHeader/Filer/EIN0361768818
ReturnHeader/Filer/PhoneNum07083330900
ReturnHeader/Filer/USAddress/AddressLine1Txt016230 Prince Drive
ReturnHeader/Filer/USAddress/CityNm0South Holland
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060473
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Dickeson & Associates Ltd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07300 W 25th Street 1218
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Riverside
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060546
ReturnHeader/PreparerPersonGrp/PhoneNum06302405580
ReturnHeader/PreparerPersonGrp/PreparationDt02015-10-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0James Dickeson CPA
ReturnHeader/ReturnTs02015-10-01T01:30:46-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$29,669,312
Liabilities
$25,196,982
Net assets
$4,472,330
Revenue
$1,267,915
Expenses
$1,372,296
Net income
-$104,381
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