Civic Intelligence

Vicinity Credit Union

990 • Fiscal year 2015 • EIN 36-1894017

Jan 01, 2015 to Dec 31, 2015 • Filed on Feb 11, 2016

Organization ProfileWWW.UNITEDCREDITUNION.COM

View Organization Page

4444 South Pulaski RoadChicago, IL 60632

(773) 376-6000

Siviq Scores

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

Liabilities / Assets

40th percentile

0.89x

Higher debt load relative to assets than 40% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

94th percentile

27.51x

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

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

2nd percentile

-13%

Higher net margin than 2% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

3rd percentile

$59,753

Higher top officer pay than 3% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

32nd percentile

3.3%

Faster asset growth than 32% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

81st percentile

10%

Faster revenue growth than 81% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$167,376,703

Up $5,344,411 (+3.3%) from 2014

Net Assets

Up

$18,709,362

Up $331,926 (+1.8%) from 2014

Liabilities

Up

$148,667,341

Up $5,012,485 (+3.5%) from 2014

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin2nd percentile

Revenue

Up

$5,403,574

Up $511,138 (+10%) from 2014

Expenses

Up

$6,103,458

Up $1,231,407 (+25%) from 2014

Net Income

Down

-$699,884

Down $720,269 (-3533%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth32nd percentile

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

$300M$200M$100M$0Assets 2010: $141,817,593Liabilities 2010: $122,904,537Net Assets 2010: $18,913,0562010Assets 2011: $144,909,694Liabilities 2011: $126,095,054Net Assets 2011: $18,814,6402011Assets 2012: $150,504,549Liabilities 2012: $132,173,025Net Assets 2012: $18,331,5242012Assets 2013: $162,539,881Liabilities 2013: $143,758,791Net Assets 2013: $18,781,0902013Assets 2014: $162,032,292Liabilities 2014: $143,654,856Net Assets 2014: $18,377,4362014Assets 2015: $167,376,703Liabilities 2015: $148,667,341Net Assets 2015: $18,709,3622015Assets 2016: $168,702,686Liabilities 2016: $149,182,693Net Assets 2016: $19,519,9932016Assets 2017: $173,371,925Liabilities 2017: $153,366,340Net Assets 2017: $20,005,5852017Assets 2018: $203,864,202Liabilities 2018: $183,076,434Net Assets 2018: $20,787,7682018Assets 2019: $248,793,771Liabilities 2019: $226,766,018Net Assets 2019: $22,027,7532019Assets 2020: $262,017,258Liabilities 2020: $239,748,483Net Assets 2020: $22,268,7752020Assets 2021: $261,855,618Liabilities 2021: $241,298,465Net Assets 2021: $20,557,1532021Assets 2022: $295,434,711Liabilities 2022: $287,591,972Net Assets 2022: $7,842,7392022Assets 2023: $286,556,422Liabilities 2023: $278,368,040Net Assets 2023: $8,188,3822023Assets 2024: $275,637,523Liabilities 2024: $266,493,847Net Assets 2024: $9,143,6762024

Highlighted filing

2015

Assets$167,376,703
Liabilities$148,667,341
Net Assets$18,709,362
Open 2015 Filing

Operations Trend

Revenue Growth81st percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $6,743,4372010Expenses 2011: $6,372,7022011Expenses 2012: $5,787,5102012Revenue 2013: $4,877,569Expenses 2013: $5,107,203Net Income 2013: -$229,6342013Revenue 2014: $4,892,436Expenses 2014: $4,872,051Net Income 2014: $20,3852014Revenue 2015: $5,403,574Expenses 2015: $6,103,458Net Income 2015: -$699,8842015Revenue 2016: $6,035,898Expenses 2016: $5,163,102Net Income 2016: $872,7962016Revenue 2017: $6,117,826Expenses 2017: $5,590,172Net Income 2017: $527,6542017Revenue 2018: $6,756,927Expenses 2018: $6,049,621Net Income 2018: $707,3062018Revenue 2019: $8,825,010Expenses 2019: $8,415,428Net Income 2019: $409,5822019Revenue 2020: $7,935,047Expenses 2020: $7,776,278Net Income 2020: $158,7692020Revenue 2021: $8,121,425Expenses 2021: $7,302,647Net Income 2021: $818,7782021Revenue 2022: $9,439,159Expenses 2022: $9,232,178Net Income 2022: $206,9812022Revenue 2023: $13,822,381Expenses 2023: $14,104,087Net Income 2023: -$281,7062023Revenue 2024: $13,283,274Expenses 2024: $13,603,782Net Income 2024: -$320,5082024

Highlighted filing

2015

Revenue$5,403,574
Expenses$6,103,458
Net Income-$699,884
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Feb 11, 2016
Return Version
2015v2.1
Gross Receipts
$9,395,522
Mission and Program Overview

Mission

To encourage savings and provide credit at a reasonable interest rate, for the benefit for members.

To encourage saving and provide credit at a reasonable interest rate, for the benefit of members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$46,055,142$60,971,569▲ $14,916,427
Savings and Temporary Cash Investments$52,571,758$60,800,070▲ $8,228,312
Investments in Publicly Traded Securities$53,083,665$35,807,482▼ $17,276,183
Rtn Earn Endowment Incm Other Fnds$18,377,436$18,709,362▲ $331,926
Cash and Non-Interest-Bearing Accounts$5,749,369$5,231,547▼ $517,822
Land, Buildings, and Equipment, Net$2,119,830$1,931,121▼ $188,709
Investments Other Securities$139,152$116,757▼ $22,395
Prepaid Expenses and Deferred Charges$411,979$70,218▼ $341,761
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$162,032,292$167,376,703▲ $5,344,411
Other Assets Total$1,901,397$2,447,939▲ $546,542
Liabilities
Other Liabilities$143,236,569$148,237,386▲ $5,000,817
Accounts Payable and Accrued Expenses$418,287$429,955▲ $11,668
Total Liabilities$143,654,856$148,667,341▲ $5,012,485
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,377,436$18,709,362▲ $331,926
Total Liabilities and Net Assets / Fund Balance$162,032,292$167,376,703▲ $5,344,411

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$926,694$2,823,854$3,750,548
Equipment$198,300$1,972,309$2,170,609
Land$659,117-$659,117
Leasehold Improvements$147,010$191,056$338,066
Other Land Buildings$0$109,732$109,732
Compensation and Service Providers
Top Officer Pay3rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
James ZagorskiBoard Treasurer, Cu PresidentFT$59,753$59,753
Betty HullSecretary-$180$180

Board Members and Trustees

NameTitle
Dolphin HarrisChairman
Ronald NawrockiChairman Emeritus
Neal SuweVice Chairman
Carolyn JohnsonDirector
Frank JohnsonDirector
Kenneth BoldenDirector
Raul SeguraDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,540,863
Investment Income
$862,711
Other Revenue
$0
Change in Net Assets
$-699,884
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,166,310
Other Expenses$2,937,148
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,496,272
Pension Plan Contributions---$1,301,205
Information Technology---$834,039
Office Expenses---$474,945
Occupancy---$383,668
Depreciation Depletion---$240,468
Other Employee Benefits---$168,569
Payroll Taxes---$140,331
Interest---$117,279
Advertising---$115,340
Current Officers, Directors, Trustees, and Key Employees---$59,933
Insurance---$58,418
All Other Expenses---$46,599
Fees for Services Accounting---$38,400
Conferences and Meetings---$29,245
Other Expenses---$6,128
Fees for Services Legal---$581
Total Functional Expenses$0$0$0$6,103,458
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
Members Shares Deposits$148,237,286
Accrued Dividends Payable$100
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is operated for the benefit of its members, which include groups of employees and individuals who live, work or worship in a defined geographic area. United credit union has nearly 20,000 members and is a cooperative nonprofit association.”

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

“Credit union members are empowered to vote for directors on the board. As a practical matter, most credit union members assign their voting rights by proxy.”

Form 990, Part VI, Section B, Line 11

“The president inspects form 990 and reviews it with the chairman of the board, comparing the tax return with internal records. Also, the president completes the necessary authorization for electronically filing form 990 before the return is submitted to the irs.”

Form 990, Part VI, Section B, Line 15A

“Review of top management compensation is performed by the board of directors. Compensation adjustments are determined based upon achievement of objectives set by the board. Increases in compensation are included in the annual budget approved by the board.”

Form 990, Part VI, Section C, Line 19

“Most documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
United Credit Union
EIN
36-1894017
Phone
7733766000
Address
4444 SOUTH PULASKI ROAD, CHICAGO, IL 60632

Signing Officer

Name
James Zagorski
Title
President
Phone
7733766000
Signed
2016-02-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Zagorski
Formed
1931
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
7
Employees
70
Volunteers
0

Preparer

Firm
Selden Fox Ltd
Address
619 ENTERPRISE DRIVE, OAK BROOK, IL 60523-8835
Preparer
Paul J Rozek
Phone
6309541400
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Reclassifcation of realized loss on termination of defined benefit pension 1,060,513.”

Raw XML AppendixShowing 400 of 405 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/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD TREASURER, CU PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRMAN EMERITUS
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0MEMBER LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03256668
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11284195
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03256668
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11284195
IRS990/ProgSrvcAccomActy2Grp/Desc0DEPOSIT/SHARE ACCOUNTS (SAVINGS, CHECKING, CERTIFICATES AND OTHER) ARE OFFERED TO MEMBERS. THE NUMBER OF OUTSTANDING DEPOSIT/SHARE ACCOUNTS OUTSTANDING AT 12/31/15 WAS 30,132.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0884225
IRS990/PYOtherExpensesAmt02863893
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04008211
IRS990/PYRevenuesLessExpensesAmt020385
IRS990/PYSalariesCompEmpBnftPaidAmt02008158
IRS990/PYTotalExpensesAmt04872051
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04892436
IRS990/ReconcilationRevenueExpnssAmt0-699884
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt018377436
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018709362
IRS990/SavingsAndTempCashInvstGrp/BOYAmt052571758
IRS990/SavingsAndTempCashInvstGrp/EOYAmt060800070
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0926694
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02823854
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03750548
IRS990ScheduleD/EquipmentGrp/BookValueAmt0198300
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01972309
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02170609
IRS990ScheduleD/LandGrp/BookValueAmt0659117
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0659117
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0147010
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0191056
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0338066
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0109732
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0109732
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0148237286
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1100
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01931121
IRS990ScheduleD/TotalLiabilityAmt0148237386
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OPERATED FOR THE BENEFIT OF ITS MEMBERS, WHICH INCLUDE GROUPS OF EMPLOYEES AND INDIVIDUALS WHO LIVE, WORK OR WORSHIP IN A DEFINED GEOGRAPHIC AREA. UNITED CREDIT UNION HAS NEARLY 20,000 MEMBERS AND IS A COOPERATIVE NONPROFIT ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ARE EMPOWERED TO VOTE FOR DIRECTORS ON THE BOARD. AS A PRACTICAL MATTER, MOST CREDIT UNION MEMBERS ASSIGN THEIR VOTING RIGHTS BY PROXY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE PRESIDENT INSPECTS FORM 990 AND REVIEWS IT WITH THE CHAIRMAN OF THE BOARD, COMPARING THE TAX RETURN WITH INTERNAL RECORDS. ALSO, THE PRESIDENT COMPLETES THE NECESSARY AUTHORIZATION FOR ELECTRONICALLY FILING FORM 990 BEFORE THE RETURN IS SUBMITTED TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3REVIEW OF TOP MANAGEMENT COMPENSATION IS PERFORMED BY THE BOARD OF DIRECTORS. COMPENSATION ADJUSTMENTS ARE DETERMINED BASED UPON ACHIEVEMENT OF OBJECTIVES SET BY THE BOARD. INCREASES IN COMPENSATION ARE INCLUDED IN THE ANNUAL BUDGET APPROVED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MOST DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5RECLASSIFCATION OF REALIZED LOSS ON TERMINATION OF DEFINED BENEFIT PENSION 1,060,513.
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 B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0364025553
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd0IL
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/OwnershipPct01.00000
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0FINANCIAL PLANNING
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0UCU FINANCIAL SERVICES INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ShareOfEOYAssetsAmt0126412
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ShareOfTotalIncomeAmt0-158
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt04444 SOUTH PULASKI ROAD
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm0CHICAGO
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd0IL
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd060632
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd01
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt00
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0UCU FINANCIAL SERVICES INC - NO FUNDS TRANSFERRED
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0N
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0162032292
IRS990/TotalAssetsEOYAmt0167376703
IRS990/TotalAssetsGrp/BOYAmt0162032292
IRS990/TotalAssetsGrp/EOYAmt0167376703
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt070
IRS990/TotalFunctionalExpensesGrp/TotalAmt06103458
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0143654856
IRS990/TotalLiabilitiesEOYAmt0148667341
IRS990/TotalLiabilitiesGrp/BOYAmt0143654856
IRS990/TotalLiabilitiesGrp/EOYAmt0148667341
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt018377436
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt018709362
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt04540863
IRS990/TotalReportableCompFromOrgAmt059933
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05403574
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05403574
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0162032292
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0167376703
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04444 SOUTH PULASKI ROAD
IRS990/USAddress/CityNm0CHICAGO
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060632
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.UNITEDCREDITUNION.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES ZAGORSKI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07733766000
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-02-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UNITED CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0361894017
ReturnHeader/Filer/PhoneNum07733766000
ReturnHeader/Filer/USAddress/AddressLine1Txt04444 SOUTH PULASKI ROAD
ReturnHeader/Filer/USAddress/CityNm0CHICAGO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060632
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0362985770
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SELDEN FOX LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0619 ENTERPRISE DRIVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OAK BROOK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0605238835
ReturnHeader/PreparerPersonGrp/PhoneNum06309541400
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PAUL J ROZEK

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$167,376,703
Liabilities
$148,667,341
Net assets
$18,709,362
Revenue
$5,403,574
Expenses
$6,103,458
Net income
-$699,884
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$276$266$9.14$13.3$13.6$0.32
2023Detailed filing. Detailed filing data is available for this year.$287$278$8.19$13.8$14.1$0.28
2022Detailed filing. Detailed filing data is available for this year.$295$288$7.84$9.44$9.23$0.21
2021Detailed filing. Detailed filing data is available for this year.$262$241$20.6$8.12$7.30$0.82
2020Detailed filing. Detailed filing data is available for this year.$262$240$22.3$7.94$7.78$0.16
2019Detailed filing. Detailed filing data is available for this year.$249$227$22.0$8.83$8.42$0.41
2018Detailed filing. Detailed filing data is available for this year.$204$183$20.8$6.76$6.05$0.71
2017Detailed filing. Detailed filing data is available for this year.$173$153$20.0$6.12$5.59$0.53
2016Detailed filing. Detailed filing data is available for this year.$169$149$19.5$6.04$5.16$0.87
2015Detailed filing. Detailed filing data is available for this year.$167$149$18.7$5.40$6.10$0.70
2014Detailed filing. Detailed filing data is available for this year.$162$144$18.4$4.89$4.87$0.02
2013Detailed filing. Detailed filing data is available for this year.$163$144$18.8$4.88$5.11$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$151$132$18.3$5.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$145$126$18.8$6.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$142$123$18.9$6.74