Civic Intelligence

Vicinity Credit Union

990 • Fiscal year 2019 • EIN 36-1894017

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 27, 2020

Organization Profilewww.unitedcreditunion.com

View Organization Page

4444 S Pulaski RdChicago, IL 60632

(800) 848-3444

Siviq Scores

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

Liabilities / Assets

85th percentile

0.91x

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

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

96th percentile

25.70x

Higher debt load relative to revenue than 96% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

11th percentile

4.6%

Higher net margin than 11% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

15th percentile

$144,379

Higher top officer pay than 15% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

98th percentile

22%

Faster asset growth than 98% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

97th percentile

31%

Faster revenue growth than 97% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$248,793,771

Up $44,929,569 (+22%) from 2018

Net Assets

Up

$22,027,753

Up $1,239,985 (+6.0%) from 2018

Liabilities

Up

$226,766,018

Up $43,689,584 (+24%) from 2018

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin11th percentile

Revenue

Up

$8,825,010

Up $2,068,083 (+31%) from 2018

Expenses

Up

$8,415,428

Up $2,365,807 (+39%) from 2018

Net Income

Down

$409,582

Down $297,724 (-42%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth98th 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

2019

Assets$248,793,771
Liabilities$226,766,018
Net Assets$22,027,753
Open 2019 Filing

Operations Trend

Revenue Growth97th 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

2019

Revenue$8,825,010
Expenses$8,415,428
Net Income$409,582
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 27, 2020
Return Version
2019v5.0
Gross Receipts
$8,825,010
Mission and Program Overview

Mission

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

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$94,505,373$130,572,255▲ $36,066,882
Investments in Publicly Traded Securities$50,788,969$63,018,327▲ $12,229,358
Investments Other Securities$41,928,000$33,478,010▼ $8,449,990
Rtn Earn Endowment Incm Other Fnds$20,787,768$22,027,753▲ $1,239,985
Savings and Temporary Cash Investments$4,724,469$7,352,856▲ $2,628,387
Land, Buildings, and Equipment, Net$1,814,295$2,762,164▲ $947,869
Accounts Receivable$1,714,429$2,148,563▲ $434,134
Prepaid Expenses and Deferred Charges$181,940$404,707▲ $222,767
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$203,864,202$248,793,771▲ $44,929,569
Other Assets Total$8,206,727$9,056,889▲ $850,162
Liabilities
Other Liabilities$155,292,490$191,636,259▲ $36,343,769
Mortgage Notes Payable Secured by Investment Property$27,330,000$34,523,000▲ $7,193,000
Accounts Payable and Accrued Expenses$453,944$606,759▲ $152,815
Total Liabilities$183,076,434$226,766,018▲ $43,689,584
Net Assets / Fund Balance
Total Net Assets Fund Balance$20,787,768$22,027,753▲ $1,239,985
Total Liabilities and Net Assets / Fund Balance$203,864,202$248,793,771▲ $44,929,569

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$675,929$3,368,166$4,044,095
Equipment$839,015$894,869$1,733,884
Other Land Buildings$129,994$750,071$880,065
Leasehold Improvements$458,109$214,373$672,482
Land$659,117-$659,117
Other Securities$33,478,010--
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mario AguirrePresident/CEOFT$144,303$4,637$148,940
John LenzChief Financial OfficerFT$90,746-$90,746
Elvan JonesTreasurer of Board-$7,500-$7,500
Betty HullSecretary of Board-$2,100-$2,100

Board Members and Trustees

NameTitle
Dolphin HarrisChairman of Board
Neal SuweChairman of Board
Annette Jones-WilliamsDirector
Carl HarrisDirector
Carolyn JohnsonDirector
Frank JohnsonDirector
Raul SeguraDirector
Andrew RowlasSecretary of Board

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservComputer System Provider75 Remittance Dr Suite 1649, Chicago, IL 60675$458,822
Bourdeau Griffin InteriorsContruction Consulting and Supplie2233 S Throop St, Chicago, IL 60608$305,527
Cucinello & Associates FSCuComputer Equipment & Maintenance1701 Quincy Avenue Suite 5, Naperville, IL 60540$294,178
Health Care Service CorporationEmployee Health Insurance25550 Network Place, Chicago, IL 60673$277,930
Microdynamics CorpMember Statement Processing & Mailing8580 Solution center, Chicago, IL 60677$100,061
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,104,547
Investment Income
$2,720,463
Other Revenue
$0
Change in Net Assets
$409,582

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,825,010
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$8,825,010
Total Revenue per Form 990
$8,825,010
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,728,415
Salaries, Compensation, and Employee Benefits$2,687,013
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,056,418
Interest---$1,173,455
Office Expenses---$669,070
Occupancy---$631,771
Information Technology---$340,414
Depreciation Depletion---$330,202
Current Officers, Directors, Trustees, and Key Employees---$244,725
Other Expenses---$228,261
Payroll Taxes---$190,253
Other Employee Benefits---$171,599
All Other Expenses---$108,378
Fees for Services Accounting---$95,039
Advertising---$88,702
Insurance---$73,457
Fees for Services Legal---$63,042
Fees for Services Management---$29,706
Pension Plan Contributions---$24,018
Conferences and Meetings---$17,141
Travel---$17,140
Total Functional Expenses$0$0$0$8,415,428

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,415,428
Total Expenses per Audited Statements$8,415,428
Total Expenses per Form 990$8,415,428
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Member Share Deposits$160,675,656
Nonmember Share Deposits$30,960,603
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
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

“All depositors in the credit union are considered members with full membership rights.”

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

“All members have the right to vote for the Board of Directors. All members have the same voting rights.”

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

“The CFO prepares the 990 and the President/CEO review and approves.”

Form 990, Part VI, Section B, Line 12C

“Each employee, officer, and director must notify the credit union much notify the credit union of any conflicts, then the Board will decide how to handle it.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors determine salary of all officers based upon achievement of objectives set by the Board.”

Form 990, Part VI, Section C, Line 19

“The Credit Union makes most documents available upon request.”

Filing and Contact Details

Filer

Filer Name
United Credit Union
EIN
36-1894017
Phone
8008483444
Address
4444 S Pulaski Rd, Chicago, IL 60632

Signing Officer

Name
John Lenz
Title
Chief Financial Officer
Phone
7738439421
Signed
2020-10-27

Organization Details

Principal Officer
John Lenz
Formed
1931
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
76
Volunteers
9
Raw XML AppendixShowing 400 of 548 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0453944
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0606759
IRS990/AccountsReceivableGrp/BOYAmt01714429
IRS990/AccountsReceivableGrp/EOYAmt02148563
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To encourage savings and provide credit at a reasonable interest rate, for the benefit of members.
IRS990/AdvertisingGrp/TotalAmt088702
IRS990/AllOtherExpensesGrp/TotalAmt0108378
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0John lenz
IRS990/BooksInCareOfDetail/PhoneNum07738439421
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04444 S Pulaski Rd
IRS990/BooksInCareOfDetail/USAddress/CityNm0Chicago
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060632
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt05
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0244725
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt017141
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/ContractorCompensationGrp/CompensationAmt0458822
IRS990/ContractorCompensationGrp/CompensationAmt1305527
IRS990/ContractorCompensationGrp/CompensationAmt2294178
IRS990/ContractorCompensationGrp/CompensationAmt3277930
IRS990/ContractorCompensationGrp/CompensationAmt4100061
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt075 Remittance Dr Suite 1649
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12233 S Throop St
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt21701 Quincy Avenue Suite 5
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt325550 Network Place
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt48580 Solution center
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Chicago
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Chicago
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2Naperville
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3Chicago
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4Chicago
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd060675
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160608
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd260540
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd360673
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd460677
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Fiserv
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1Bourdeau Griffin Interiors
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2Cucinello & Associates FSCu
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3Health Care Service Corporation
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4Microdynamics Corp
IRS990/ContractorCompensationGrp/ServicesDesc0Computer System Provider
IRS990/ContractorCompensationGrp/ServicesDesc1Contruction Consulting and Supplie
IRS990/ContractorCompensationGrp/ServicesDesc2Computer Equipment & Maintenance
IRS990/ContractorCompensationGrp/ServicesDesc3Employee Health Insurance
IRS990/ContractorCompensationGrp/ServicesDesc4Member Statement Processing & Mailing
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt02720463
IRS990/CYOtherExpensesAmt05728415
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt06104547
IRS990/CYRevenuesLessExpensesAmt0409582
IRS990/CYSalariesCompEmpBnftPaidAmt02687013
IRS990/CYTotalExpensesAmt08415428
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt08825010
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0330202
IRS990/Desc0Offered financial services (loans and deposit products) to over 19,000 members.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt076
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt08415426
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt095039
IRS990/FeesForServicesLegalGrp/TotalAmt063042
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt029706
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt24
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt34
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt74
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd1X
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/PersonNm0Mario Aguirre
IRS990/Form990PartVIISectionAGrp/PersonNm1John Lenz
IRS990/Form990PartVIISectionAGrp/PersonNm2Elvan Jones
IRS990/Form990PartVIISectionAGrp/PersonNm3Betty Hull
IRS990/Form990PartVIISectionAGrp/PersonNm4Carolyn Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm5Frank Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm6Raul Segura
IRS990/Form990PartVIISectionAGrp/PersonNm7Dolphin Harris
IRS990/Form990PartVIISectionAGrp/PersonNm8Neal Suwe
IRS990/Form990PartVIISectionAGrp/PersonNm9Andrew Rowlas
IRS990/Form990PartVIISectionAGrp/PersonNm10Annette Jones-Williams
IRS990/Form990PartVIISectionAGrp/PersonNm11Carl Harris
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0144379
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190746
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt27500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt32100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer of Board
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary of Board
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Chairman of Board
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chairman of Board
IRS990/Form990PartVIISectionAGrp/TitleTxt9Secretary of Board
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01931
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt08825010
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0340414
IRS990/InsuranceGrp/TotalAmt073457
IRS990/InterestGrp/TotalAmt01173455
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02720463
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02720463
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt041928000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt033478010
IRS990/InvestmentsPubTradedSecGrp/BOYAmt050788969
IRS990/InvestmentsPubTradedSecGrp/EOYAmt063018327
IRS990/IRPDocumentCnt02384
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05227479
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01814295
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02762164
IRS990/LandBldgEquipCostOrOtherBssAmt07989643
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To encourage savings and provide credit at a reasonable interest rate, for the benefit for members.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt027330000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt034523000
IRS990/NetAssetsOrFundBalancesBOYAmt020787768
IRS990/NetAssetsOrFundBalancesEOYAmt022027753
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0830403
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0631771
IRS990/OfficeExpensesGrp/TotalAmt0669070
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08206727
IRS990/OtherAssetsTotalGrp/EOYAmt09056889
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0171599
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1EFT Network
IRS990/OtherExpensesGrp/Desc2Coop Shared Branching
IRS990/OtherExpensesGrp/Desc3Loan Servicing
IRS990/OtherExpensesGrp/TotalAmt01294852
IRS990/OtherExpensesGrp/TotalAmt1417146
IRS990/OtherExpensesGrp/TotalAmt2150639
IRS990/OtherExpensesGrp/TotalAmt3228261
IRS990/OtherLiabilitiesGrp/BOYAmt0155292490
IRS990/OtherLiabilitiesGrp/EOYAmt0191636259
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02056418
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt094505373
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0130572255
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0190253
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt024018
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0181940
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0404707
IRS990/PrincipalOfficerNm0John Lenz
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans & Service Fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06104547
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06104547
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYInvestmentIncomeAmt01721802
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03747978
IRS990/PYProgramServiceRevenueAmt05035125
IRS990/PYRevenuesLessExpensesAmt0707306
IRS990/PYSalariesCompEmpBnftPaidAmt02301643
IRS990/PYTotalExpensesAmt06049621
IRS990/PYTotalRevenueAmt06756927
IRS990/ReconcilationRevenueExpnssAmt0409582
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt06104547
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt020787768
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt022027753
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04724469
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07352856
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0675929
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03368166
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04044095
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0839015
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0894869
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01733884
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08415428
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0659117
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0659117
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0458109
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0214373
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0672482
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0129994
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0750071
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0880065
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0160675656
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt130960603
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Share Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Nonmember Share Deposits
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt033478010
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt08825010
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02762164
IRS990ScheduleD/TotalBookValueSecuritiesAmt033478010
IRS990ScheduleD/TotalExpensesPerForm990Amt08415428
IRS990ScheduleD/TotalLiabilityAmt0191636259
IRS990ScheduleD/TotalRevenuePerForm990Amt08825010
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08825010
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08415428
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0144303
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$248,793,771
Liabilities
$226,766,018
Net assets
$22,027,753
Revenue
$8,825,010
Expenses
$8,415,428
Net income
$409,582
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