Civic Intelligence

Consumers Cooperative Credit Union

990 • Fiscal year 2012 • EIN 36-1936022

Jan 01, 2012 to Dec 31, 2012 • Filed on May 14, 2013

Organization ProfileWWW.MYCONSUMERS.ORG

View Organization Page

2626 N Route 8360073
Siviq Scores

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

Liabilities / Assets

93rd percentile

0.92x

Higher debt load relative to assets than 93% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

19th percentile

2.4%

Faster asset growth than 19% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$581,503,908

Up $13,436,503 (+2.4%) from 2011

Net Assets

Up

$44,480,244

Up $4,696,441 (+12%) from 2011

Liabilities

Up

$537,023,664

Up $8,740,062 (+1.7%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$33,781,049

Down $824,411 (-2.4%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $529,324,916Liabilities 2010: $492,230,299Net Assets 2010: $37,094,6172010Assets 2011: $568,067,405Liabilities 2011: $528,283,602Net Assets 2011: $39,783,8032011Assets 2012: $581,503,908Liabilities 2012: $537,023,664Net Assets 2012: $44,480,2442012Assets 2013: $584,007,918Liabilities 2013: $533,407,867Net Assets 2013: $50,600,0512013Assets 2014: $627,938,292Liabilities 2014: $572,487,422Net Assets 2014: $55,450,8702014Assets 2015: $901,740,746Liabilities 2015: $823,336,318Net Assets 2015: $78,404,4282015Assets 2016: $1,051,735,256Liabilities 2016: $970,699,004Net Assets 2016: $81,036,2522016Assets 2017: $1,237,810,008Liabilities 2017: $1,139,491,990Net Assets 2017: $98,318,0182017Assets 2018: $1,231,505,462Liabilities 2018: $1,131,366,375Net Assets 2018: $100,139,0872018Assets 2019: $1,332,600,988Liabilities 2019: $1,223,963,035Net Assets 2019: $108,637,9532019Assets 2020: $2,616,679,000Liabilities 2020: $2,393,039,304Net Assets 2020: $223,639,6962020Assets 2021: $2,946,745,312Liabilities 2021: $2,699,151,898Net Assets 2021: $247,593,4142021Assets 2022: $3,048,444,854Liabilities 2022: $2,845,858,654Net Assets 2022: $202,586,2002022Assets 2023: $3,525,630,823Liabilities 2023: $3,278,215,416Net Assets 2023: $247,415,4072023Assets 2024: $4,031,564,182Liabilities 2024: $3,698,426,341Net Assets 2024: $333,137,8412024

Highlighted filing

2012

Assets$581,503,908
Liabilities$537,023,664
Net Assets$44,480,244
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$300M$200M$100M$0Expenses 2010: $36,390,5872010Expenses 2011: $34,605,4602011Expenses 2012: $33,781,0492012Revenue 2013: $37,579,695Expenses 2013: $31,380,047Net Income 2013: $6,199,6482013Revenue 2014: $37,584,351Expenses 2014: $32,554,974Net Income 2014: $5,029,3772014Revenue 2015: $42,946,105Expenses 2015: $38,539,027Net Income 2015: $4,407,0782015Revenue 2016: $56,031,309Expenses 2016: $50,381,522Net Income 2016: $5,649,7872016Revenue 2017: $67,080,718Expenses 2017: $59,859,560Net Income 2017: $7,221,1582017Revenue 2018: $80,250,079Expenses 2018: $72,389,679Net Income 2018: $7,860,4002018Revenue 2019: $86,644,006Expenses 2019: $78,103,211Net Income 2019: $8,540,7952019Revenue 2020: $113,230,664Expenses 2020: $99,091,520Net Income 2020: $14,139,1442020Revenue 2021: $132,618,570Expenses 2021: $114,323,821Net Income 2021: $18,294,7492021Revenue 2022: $171,749,526Expenses 2022: $143,950,661Net Income 2022: $27,798,8652022Revenue 2023: $231,475,402Expenses 2023: $207,747,094Net Income 2023: $23,728,3082023Revenue 2024: $255,341,154Expenses 2024: $244,056,037Net Income 2024: $11,285,1172024

Highlighted filing

2012

Revenue-
Expenses$33,781,049
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 14, 2013
Return Version
2012v2.0
Gross Receipts
$37,811,826
Mission and Program Overview

Mission

Consumers cooperative credit union mission is we promise to work with you to find personal solutions to help you achieve your financial potential.

Major Activities

Activity 2
Provide deposit service accounts to our members products include savings commercial deposits money market accounts certificates of deposits ira products student accounts and checking accounts. We have xxx-xx-xxxx in total deposits. We paid members 5010534 in dividends.
Activity 3
We offer lower loan rates and fees along with higher deposit rates on savings cd's money market accounts ira's and checking accounts. We have lower fees and service charges on our products. We offer free educational seminars to members and non-members. Monthly we have local real estate agents in our offices available for our members to help them answer there real estate home purchase questions.
Filing and Contact Details

Filer

EIN
36-1936022
Raw XML AppendixShowing 400 of 602 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/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY02947605
IRS990/AccountsPayableAccruedExpenses/EOY04999685
IRS990/AccountsReceivable/BOY02537922
IRS990/AccountsReceivable/EOY02380337
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0PROVIDE DEPOSIT SERVICE ACCOUNTS TO OUR MEMBERS PRODUCTS INCLUDE SAVINGS COMMERCIAL DEPOSITS MONEY MARKET ACCOUNTS CERTIFICATES OF DEPOSITS IRA PRODUCTS STUDENT ACCOUNTS AND CHECKING ACCOUNTS. WE HAVE XXX-XX-XXXX IN TOTAL DEPOSITS. WE PAID MEMBERS 5010534 IN DIVIDENDS.
IRS990/Activity3/Description0WE OFFER LOWER LOAN RATES AND FEES ALONG WITH HIGHER DEPOSIT RATES ON SAVINGS CD'S MONEY MARKET ACCOUNTS IRA'S AND CHECKING ACCOUNTS. WE HAVE LOWER FEES AND SERVICE CHARGES ON OUR PRODUCTS. WE OFFER FREE EDUCATIONAL SEMINARS TO MEMBERS AND NON-MEMBERS. MONTHLY WE HAVE LOCAL REAL ESTATE AGENTS IN OUR OFFICES AVAILABLE FOR OUR MEMBERS TO HELP THEM ANSWER THERE REAL ESTATE HOME PURCHASE QUESTIONS.
IRS990/ActivityOrMissionDescription0CONSUMERS COOPERATIVE CREDIT UNION HAS BEEN MEMBER OWNED SINCE 1930. CURRENTLY WE HAVE 56957 MEMBERS. WE PROVIDE LOWER LOAN RATES HIGHER SAVINGS RATES LOWER FEES AND OTHER FINANCIAL SERVICES TO HELP OUR MEMBERS
IRS990/AddressPrincipalOfficerUS/AddressLine102626 N RTE 83
IRS990/AddressPrincipalOfficerUS/City0ROUND LAKE BEACH
IRS990/AddressPrincipalOfficerUS/State0IL
IRS990/AddressPrincipalOfficerUS/ZIPCode060073
IRS990/Advertising/Total0773836
IRS990/AllAffiliatesIncluded0true
IRS990/AllOtherExpenses/Total0876586
IRS990/AnnualDisclosureCoveredPersons0true
IRS990/AuditCommittee0true
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY04470494
IRS990/CashNonInterestBearing/EOY05051916
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total0842835
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0true
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total0101960
IRS990/ConflictOfInterestPolicy0true
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContractorCompensation/NameOfContractor/NamePerson0NONE
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0true
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total01289899
IRS990/DescribedIn501C30false
IRS990/Description0ISSUED 14909 LOANS TO OUR MEMBERS FOR XXX-XX-XXXX ISSUED 684 FIRST MORTGAGE LOANS FOR XXX-XX-XXXX ISSUED 37 COMMERCIAL LOANS FOR 12489283 ISSUED 3783 HE AND HELOC LOANS FOR 6786094 ISSUED 10405 CONSUMER LOANS FOR 77671997 WE SERVICE XXX-XX-XXXX IN TOTAL LOANS. INCLUDING LOANS SOLD TO FANNIE MAE AND SERVICED BY CCU
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0true
IRS990/DoingBusinessAs/BusinessNameLine10CONSUMERS COOPERATIVE CREDIT UNION
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/EscrowAccountLiability/BOY0409378
IRS990/EscrowAccountLiability/EOY0321093
IRS990/ExcessBenefitTransaction0false
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditPerformed0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total096042
IRS990/FeesForServicesInvstMgmntFees/Total0155021
IRS990/FeesForServicesLegal/Total031611
IRS990/FeesForServicesOther/Total0536061
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form720Filed0false
IRS990/Form8886TFiled0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek03
IRS990/Form990PartVIISectionA/AverageHoursPerWeek13
IRS990/Form990PartVIISectionA/AverageHoursPerWeek23
IRS990/Form990PartVIISectionA/AverageHoursPerWeek32
IRS990/Form990PartVIISectionA/AverageHoursPerWeek42
IRS990/Form990PartVIISectionA/AverageHoursPerWeek53
IRS990/Form990PartVIISectionA/AverageHoursPerWeek62
IRS990/Form990PartVIISectionA/AverageHoursPerWeek72
IRS990/Form990PartVIISectionA/AverageHoursPerWeek82
IRS990/Form990PartVIISectionA/AverageHoursPerWeek92
IRS990/Form990PartVIISectionA/AverageHoursPerWeek102
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1140
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1240
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1340
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1440
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1540
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1640
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1740
IRS990/Form990PartVIISectionA/Former0X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee0X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee1X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee2X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee3X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee4X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee5X
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector7X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector8X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector9X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector10X
IRS990/Form990PartVIISectionA/NamePerson0DENISE CHARTS
IRS990/Form990PartVIISectionA/NamePerson1ALICE CLEMENTS
IRS990/Form990PartVIISectionA/NamePerson2JOHN JANEZIC
IRS990/Form990PartVIISectionA/NamePerson3TROY LOUIS
IRS990/Form990PartVIISectionA/NamePerson4NICHOLAS OLIVARES
IRS990/Form990PartVIISectionA/NamePerson5JOSEPH RAJCEVICH
IRS990/Form990PartVIISectionA/NamePerson6KENNETH ROBINSON
IRS990/Form990PartVIISectionA/NamePerson7JOHN SCHWAB
IRS990/Form990PartVIISectionA/NamePerson8FRANK SOYKA
IRS990/Form990PartVIISectionA/NamePerson9MARTHA WILLIAMS
IRS990/Form990PartVIISectionA/NamePerson10YALE WOLK
IRS990/Form990PartVIISectionA/NamePerson11SEAN RATHJEN
IRS990/Form990PartVIISectionA/NamePerson12JOHN PAWLOWSKI
IRS990/Form990PartVIISectionA/NamePerson13TERESA O'BRIEN
IRS990/Form990PartVIISectionA/NamePerson14DANIEL JT MATHEWS
IRS990/Form990PartVIISectionA/NamePerson15JOHN H COXON
IRS990/Form990PartVIISectionA/NamePerson16MIKE MIKKELSON
IRS990/Form990PartVIISectionA/NamePerson17ROBIN KOROM
IRS990/Form990PartVIISectionA/NamePerson18KEVIN MAYERS
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/OtherCompensation90
IRS990/Form990PartVIISectionA/OtherCompensation100
IRS990/Form990PartVIISectionA/OtherCompensation1143727
IRS990/Form990PartVIISectionA/OtherCompensation1247317
IRS990/Form990PartVIISectionA/OtherCompensation1325423
IRS990/Form990PartVIISectionA/OtherCompensation1425450
IRS990/Form990PartVIISectionA/OtherCompensation1534039
IRS990/Form990PartVIISectionA/OtherCompensation1618863
IRS990/Form990PartVIISectionA/OtherCompensation1717076
IRS990/Form990PartVIISectionA/OtherCompensation1871080
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization80
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization90
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization100
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization11335732
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization12156059
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization13123340
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization14120156
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization15156996
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization16123327
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization17108555
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization18188920
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs100
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs110
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs120
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs130
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs140
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs150
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs160
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs170
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs180
IRS990/Form990PartVIISectionA/Title0BOARD SECRETARY
IRS990/Form990PartVIISectionA/Title1TREASURER
IRS990/Form990PartVIISectionA/Title2CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionA/Title3BOARD OF DIRECTOE
IRS990/Form990PartVIISectionA/Title4BOARD OF DIRECTOR
IRS990/Form990PartVIISectionA/Title5CHAIRPERSON SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionA/Title6BOARD OF DIRECTOR
IRS990/Form990PartVIISectionA/Title7BOARD OF DIRECTOR
IRS990/Form990PartVIISectionA/Title8BOARD OF DIRECTOR
IRS990/Form990PartVIISectionA/Title9BOARD OF DIRECTORS
IRS990/Form990PartVIISectionA/Title10BOARD OF DIRECTOR
IRS990/Form990PartVIISectionA/Title11PRESIDENTCEO
IRS990/Form990PartVIISectionA/Title12VP FINANCE & INVESTMENTS
IRS990/Form990PartVIISectionA/Title13VP PROJECT MANAGEMENT
IRS990/Form990PartVIISectionA/Title14VP LENDING
IRS990/Form990PartVIISectionA/Title15VP MARKETING & SALES
IRS990/Form990PartVIISectionA/Title16VP IT
IRS990/Form990PartVIISectionA/Title17VP COMMERCIAL LOANS
IRS990/Form990PartVIISectionA/Title18SR VP
IRS990/Form990ProvidedToGoverningBody0true
IRS990/Form990-TFiled0true
IRS990/FormersListed0true
IRS990/FSAudited0true
IRS990/FundraisingActivities0false
IRS990/GainOrLoss/Other0-901117
IRS990/GainOrLoss/Securities037242
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossAmountSalesAssets/Other0-17360
IRS990/GrossAmountSalesAssets/Securities037242
IRS990/GrossReceipts037811826
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0true
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InfoInScheduleOPartXII0X
IRS990/InformationTechnology/Total0464026
IRS990/Insurance/Total0182459
IRS990/InvestmentIncomeCurrentYear01509416
IRS990/InvestmentIncome/ExclusionAmount02373291
IRS990/InvestmentIncomePriorYear02657304
IRS990/InvestmentIncome/TotalRevenueColumn02373291
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsOtherSecurities/BOY06386947
IRS990/InvestmentsOtherSecurities/EOY06320086
IRS990/InvestmentsPubTradedSecurities/BOY0145855742
IRS990/InvestmentsPubTradedSecurities/EOY0149800812
IRS990/LandBldgEquipmentAccumDeprec017184331
IRS990/LandBuildingsEquipmentBasis030793854
IRS990/LandBuildingsEquipmentBasisNet/BOY013934750
IRS990/LandBuildingsEquipmentBasisNet/EOY013609523
IRS990/LessCostOthBasisSalesExpenses/Other0883757
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0CONSUMERS COOPERATIVE CREDIT UNION MISSION IS WE PROMISE TO WORK WITH YOU TO FIND PERSONAL SOLUTIONS TO HELP YOU ACHIEVE YOUR FINANCIAL POTENTIAL
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0JOHN PAWLOWSKI
IRS990/NbrIndependentVotingMembers012
IRS990/NbrVotingGoverningBodyMembers012
IRS990/NbrVotingMembersGoverningBody012
IRS990/NetAssetsOrFundBalancesBOY039783803
IRS990/NetAssetsOrFundBalancesEOY044480244
IRS990/NetGainOrLossInvestments/RelatedOrExemptFunctionIncome0-863875
IRS990/NetGainOrLossInvestments/TotalRevenueColumn0-863875
IRS990/NetUnrelatedBusinessTxblIncome0-4319
IRS990/NonDeductibleContributions0false
IRS990/NonDeductibleDisclosure0false
IRS990/NumberFormsTransmittedWith1096023435
IRS990/NumberIndependentVotingMembers012
IRS990/NumberIndividualsGT100K011
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees0202
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total02020224
IRS990/OfficeExpenses/Total0869453
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY08499718
IRS990/OtherAssetsTotal/EOY012109787
IRS990/OtherEmployeeBenefits/Total01115477
IRS990/OtherExpensePriorYear024438194
IRS990/OtherExpensesCurrentYear022416612
IRS990/OtherExpenses/Description0LOAN SERVICING EXPENSE
IRS990/OtherExpenses/Description1PROVISION FOR LOAN LOSS
IRS990/OtherExpenses/Description2DIVIDENDS ON DEPOSITS
IRS990/OtherExpenses/Description3PROFESSIONAL SERVICES
IRS990/OtherExpenses/Total02848999
IRS990/OtherExpenses/Total14920705
IRS990/OtherExpenses/Total25010534
IRS990/OtherExpenses/Total32161282
IRS990/OtherLiabilities/BOY0524926619
IRS990/OtherLiabilities/EOY0531702886
IRS990/OtherNotesLoansReceivableNet/BOY0354822638
IRS990/OtherNotesLoansReceivableNet/EOY0353719702
IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/Total08182299
IRS990/PartialLiquidation0false
IRS990/PaymentsToAffiliates/Total041838
IRS990/PayrollTaxes/Total0738795
IRS990/PensionPlanContributions/Total0485031
IRS990/PoliciesReferenceChapters0false
IRS990/PoliticalActivities0true
IRS990/PrepaidExpensesDeferredCharges/BOY01739737
IRS990/PrepaidExpensesDeferredCharges/EOY03589400
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenue/BusinessCode3524298
IRS990/ProgramServiceRevenue/BusinessCode4522100
IRS990/ProgramServiceRevenueCY036302410
IRS990/ProgramServiceRevenue/Description0LOAN INCOME
IRS990/ProgramServiceRevenue/Description1INTERCHANGE INCOME VISA & DEBIT CARD
IRS990/ProgramServiceRevenue/Description2MORTGAGE LOANS SALES
IRS990/ProgramServiceRevenue/Description3INSURANCE DEBT CANCELLATION
IRS990/ProgramServiceRevenue/Description4SERVICE CHARGE FEE INCOME
IRS990/ProgramServiceRevenuePriorYear034712489
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome021730954
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome14145907
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome22885488
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome31325036
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome46037977
IRS990/ProgramServiceRevenue/TotalRevenueColumn021739054
IRS990/ProgramServiceRevenue/TotalRevenueColumn14145907
IRS990/ProgramServiceRevenue/TotalRevenueColumn22885488
IRS990/ProgramServiceRevenue/TotalRevenueColumn31325036
IRS990/ProgramServiceRevenue/TotalRevenueColumn46206925
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue0168948
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationOtherChanges0102894
IRS990/ReconcilationRevenueExpenses04030777
IRS990/ReconciliationUnrealizedInvest0562770
IRS990/RegularMonitoringEnforcement0true
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY039783803
IRS990/RetainedEarningsEndowmentEtc/EOY044480244
IRS990/RevenuesLessExpensesCY04030777
IRS990/RevenuesLessExpensesPriorYear02764333
IRS990/SalariesEtcCurrentYear011364437
IRS990/SalariesEtcPriorYear010167266
IRS990/SavingsAndTempCashInvestments/BOY029819457
IRS990/SavingsAndTempCashInvestments/EOY034922345
IRS990/ScheduleBRequired0false
IRS990ScheduleC/AgreeToCarryoverPriorYear0false
IRS990ScheduleC/AmtOfInternalFundsContributed02035
IRS990ScheduleC/Form1120PolFiled0true
IRS990ScheduleC/Form990ScheduleCPartIV/Explanation0THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO CREDIT UNION POLITICAL ACTION COUNCIL THAT IS REPORTED IN PARTS I-A AND I-C OF THIS SCHEDULE C
IRS990ScheduleC/OnlyInHouseLobbying0false
IRS990ScheduleC/PoliticalExpenditures02035
IRS990ScheduleC/Sec527PolOrgs/AddressUS/AddressLine101807 WEST DIEHL RD PO BOX 1307
IRS990ScheduleC/Sec527PolOrgs/AddressUS/City0NAPERVILLE
IRS990ScheduleC/Sec527PolOrgs/AddressUS/State0IL
IRS990ScheduleC/Sec527PolOrgs/AddressUS/ZIPCode060566
IRS990ScheduleC/Sec527PolOrgs/AmtPdFromInternalFunds02035
IRS990ScheduleC/Sec527PolOrgs/EIN0363092340
IRS990ScheduleC/Sec527PolOrgs/NameOf527Organization/BusinessNameLine10CREDIT UNION POLITICAL ACTION COUNCIL
IRS990ScheduleC/SubstantiallyAllDuesNondeduct0false
IRS990ScheduleC/VolunteerHours00
IRS990ScheduleD/AdditionsDuringYear014038853
IRS990ScheduleD/AgentTrusteeEtc0false
IRS990ScheduleD/BeginningBalance0409378
IRS990ScheduleD/Buildings/BookValue07752296
IRS990ScheduleD/Buildings/Depreciation04240819
IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis011993115
IRS990ScheduleD/DistributionsDuringYear014127138
IRS990ScheduleD/EndingBalance0321093
IRS990ScheduleD/Equipment/BookValue02538047
IRS990ScheduleD/Equipment/Depreciation012901071
IRS990ScheduleD/Equipment/InvestmentCostOrOtherBasis015439118
IRS990ScheduleD/ExpensesNotRptdF99007936230
IRS990ScheduleD/ExpensesNotRptdOnFinStmt06709693
IRS990ScheduleD/ExpensesSubtotal027071356
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation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
IRS990ScheduleD/IncludedOnFS0true
IRS990ScheduleD/Land/BookValue03319180
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis03319180
IRS990ScheduleD/OtherAssets/BookValue01969218
IRS990ScheduleD/OtherAssets/BookValue11237026
IRS990ScheduleD/OtherAssets/BookValue25308514
IRS990ScheduleD/OtherAssets/BookValue3623900
IRS990ScheduleD/OtherAssets/BookValue4132384
IRS990ScheduleD/OtherAssets/BookValue5545
IRS990ScheduleD/OtherAssets/BookValue620000
IRS990ScheduleD/OtherAssets/BookValue72818200
IRS990ScheduleD/OtherAssets/Description0MORTGAGE SERVICING RIGHTS (MSR)
IRS990ScheduleD/OtherAssets/Description1OTHER REAL ESTATE OWNED (OREO)
IRS990ScheduleD/OtherAssets/Description2NCUSIF DEPOSIT INSURANCE FUND
IRS990ScheduleD/OtherAssets/Description3PSCU DEPOSIT VISADEBIT CARD
IRS990ScheduleD/OtherAssets/Description4CUNA MUTUAL DEPOSIT DEBT CANCELLATION
IRS990ScheduleD/OtherAssets/Description5PSCU DEPOSIT HELOC CARD
IRS990ScheduleD/OtherAssets/Description6COOP SHARED BRANCHING
IRS990ScheduleD/OtherAssets/Description7FHLB -CHICAGO STOCK
IRS990ScheduleD/OtherExpensesIncluded07936230
IRS990ScheduleD/OtherExpensesNotIncluded06709693
IRS990ScheduleD/OtherLandBuildings/Depreciation042440
IRS990ScheduleD/OtherLandBuildings/InvestmentCostOrOtherBasis042440
IRS990ScheduleD/OtherLiabilities/Amount0108956648
IRS990ScheduleD/OtherLiabilities/Amount1343055
IRS990ScheduleD/OtherLiabilities/Amount26353021
IRS990ScheduleD/OtherLiabilities/Amount395534914

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$581,503,908
Liabilities
$537,023,664
Net assets
$44,480,244
Revenue
-
Expenses
$33,781,049
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4,032$3,698$333$255$244$11.3
2023Detailed filing. Detailed filing data is available for this year.$3,526$3,278$247$231$208$23.7
2022Detailed filing. Detailed filing data is available for this year.$3,048$2,846$203$172$144$27.8
2021Detailed filing. Detailed filing data is available for this year.$2,947$2,699$248$133$114$18.3
2020Detailed filing. Detailed filing data is available for this year.$2,617$2,393$224$113$99.1$14.1
2019Detailed filing. Detailed filing data is available for this year.$1,333$1,224$109$86.6$78.1$8.54
2018Detailed filing. Detailed filing data is available for this year.$1,232$1,131$100$80.3$72.4$7.86
2017Detailed filing. Detailed filing data is available for this year.$1,238$1,139$98.3$67.1$59.9$7.22
2016Detailed filing. Detailed filing data is available for this year.$1,052$971$81.0$56.0$50.4$5.65
2015Detailed filing. Detailed filing data is available for this year.$902$823$78.4$42.9$38.5$4.41
2014Detailed filing. Detailed filing data is available for this year.$628$572$55.5$37.6$32.6$5.03
2013Detailed filing. Detailed filing data is available for this year.$584$533$50.6$37.6$31.4$6.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$582$537$44.5$33.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$568$528$39.8$34.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$529$492$37.1$36.4