Civic Intelligence

First Northern Credit Union

990 • Fiscal year 2014 • EIN 36-2009178

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 13, 2015

Organization ProfileWWW.FNCU.ORG

View Organization Page

230 W Monroe No 2850Chicago, IL 60606-4902

(312) 394-8500

Siviq Scores

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

Liabilities / Assets

98th percentile

0.93x

Higher debt load relative to assets than 98% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

90th percentile

25.09x

Higher debt load relative to revenue than 90% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

2nd percentile

-0.9%

Higher net margin than 2% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

20th percentile

$271,858

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

8th percentile

0.1%

Faster asset growth than 8% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

60th percentile

3.4%

Faster revenue growth than 60% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets98th percentile

Assets

Up

$307,906,282

Up $259,349 (+0.1%) from 2013

Net Assets

Up

$23,003,545

Up $161,646 (+0.7%) from 2013

Liabilities

Up

$284,902,737

Up $97,703 (+0.0%) from 2013

Revenue And Expenses
Liabilities / Revenue90th percentileNet Margin2nd percentile

Revenue

Up

$11,353,687

Up $377,658 (+3.4%) from 2013

Expenses

Down

$11,450,422

Down $323,122 (-2.7%) from 2013

Net Income

Up

-$96,735

Up $700,780 (+88%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth8th percentile

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

$400M$300M$200M$100M$0Assets 2010: $284,807,333Liabilities 2010: $261,309,489Net Assets 2010: $23,497,8442010Assets 2011: $289,439,504Liabilities 2011: $265,776,833Net Assets 2011: $23,662,6712011Assets 2012: $308,227,032Liabilities 2012: $284,159,489Net Assets 2012: $24,067,5432012Assets 2013: $307,646,933Liabilities 2013: $284,805,034Net Assets 2013: $22,841,8992013Assets 2014: $307,906,282Liabilities 2014: $284,902,737Net Assets 2014: $23,003,5452014Assets 2015: $313,214,061Liabilities 2015: $289,952,253Net Assets 2015: $23,261,8082015Assets 2016: $317,534,044Liabilities 2016: $293,428,781Net Assets 2016: $24,105,2632016Assets 2017: $316,319,262Liabilities 2017: $292,087,078Net Assets 2017: $24,232,1842017Assets 2018: $307,725,946Liabilities 2018: $283,170,742Net Assets 2018: $24,555,2042018Assets 2019: $302,789,767Liabilities 2019: $276,871,949Net Assets 2019: $25,917,8182019Assets 2020: $348,956,150Liabilities 2020: $321,548,669Net Assets 2020: $27,407,4812020Assets 2021: $376,782,772Liabilities 2021: $349,852,807Net Assets 2021: $26,929,9652021Assets 2022: $366,938,547Liabilities 2022: $347,155,196Net Assets 2022: $19,783,3512022Assets 2023: $350,536,640Liabilities 2023: $326,801,082Net Assets 2023: $23,735,5582023Assets 2024: $336,401,323Liabilities 2024: $306,893,425Net Assets 2024: $29,507,8982024

Highlighted filing

2014

Assets$307,906,282
Liabilities$284,902,737
Net Assets$23,003,545
Open 2014 Filing

Operations Trend

Revenue Growth60th percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $16,216,1472010Expenses 2011: $12,397,0682011Expenses 2012: $11,969,4202012Revenue 2013: $10,976,029Expenses 2013: $11,773,544Net Income 2013: -$797,5152013Revenue 2014: $11,353,687Expenses 2014: $11,450,422Net Income 2014: -$96,7352014Revenue 2015: $11,920,069Expenses 2015: $11,604,627Net Income 2015: $315,4422015Revenue 2016: $12,779,779Expenses 2016: $12,139,844Net Income 2016: $639,9352016Revenue 2017: $13,102,165Expenses 2017: $12,458,613Net Income 2017: $643,5522017Revenue 2018: $13,901,227Expenses 2018: $13,293,180Net Income 2018: $608,0472018Revenue 2019: $14,563,171Expenses 2019: $14,119,887Net Income 2019: $443,2842019Revenue 2020: $15,864,341Expenses 2020: $14,794,690Net Income 2020: $1,069,6512020Revenue 2021: $14,919,062Expenses 2021: $13,979,497Net Income 2021: $939,5652021Revenue 2022: $13,852,923Expenses 2022: $13,573,556Net Income 2022: $279,3672022Revenue 2023: $15,682,669Expenses 2023: $14,831,444Net Income 2023: $851,2252023Revenue 2024: $20,219,577Expenses 2024: $16,749,293Net Income 2024: $3,470,2842024

Highlighted filing

2014

Revenue$11,353,687
Expenses$11,450,422
Net Income-$96,735
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 13, 2015
Return Version
2014v5.0
Gross Receipts
$15,359,443
Mission and Program Overview

Mission

Credit union operated without profit for mutual purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$156,026,594$149,867,405▼ $6,159,189
Other Notes and Loans Receivable, Net$121,487,511$130,437,782▲ $8,950,271
Rtn Earn Endowment Incm Other Fnds$22,841,899$23,003,545▲ $161,646
Savings and Temporary Cash Investments$19,681,495$17,015,911▼ $2,665,584
Land, Buildings, and Equipment, Net$2,352,458$2,007,003▼ $345,455
Prepaid Expenses and Deferred Charges$961,653$1,201,619▲ $239,966
Cash and Non-Interest-Bearing Accounts$906,522$843,035▼ $63,487
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$307,646,933$307,906,282▲ $259,349
Other Assets Total$6,230,700$6,533,527▲ $302,827
Liabilities
Other Liabilities$282,649,551$282,897,021▲ $247,470
Accounts Payable and Accrued Expenses$2,155,483$2,005,716▼ $149,767
Total Liabilities$284,805,034$284,902,737▲ $97,703
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,841,899$23,003,545▲ $161,646
Total Liabilities and Net Assets / Fund Balance$307,646,933$307,906,282▲ $259,349

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$619,461$4,314,822$4,934,283
Buildings$736,232$1,986,654$2,722,886
Leasehold Improvements$247,614$564,468$812,082
Land$403,696-$403,696
Compensation and Service Providers
Top Officer Pay20th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Edward BergPresident/CEOFT$248,860$22,998$271,858
Alex MaloneSenior Vice PresidentFT$180,924$2,945$183,869
Christopher DurkinVice PresidentFT$132,111-$132,111
James GrevenitesControllerFT$118,785-$118,785

Board Members and Trustees

NameTitle
Gerald PartchChairman
RICHARD O'TOOLEVice Chairman
Charles WallsDirector
Clinton MorrisDirector
James PoskozimDirector
James TorresDirector
Marco LenisDirector
Robert PoggenseeDirector
Barbara EpperlySecretary
Robert WainwrightTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,957,669
Investment Income
$1,396,018
Other Revenue
$0
Change in Net Assets
$-96,735

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,764,438
Revenue Not Reported on Financial Statements
$5,589,249
Revenue Not Reported on Form 990
$5,437,220
Other Revenue Adjustments
$5,589,249
Total Revenue per Audited Statements
$11,201,658
Total Revenue per Form 990
$11,353,687
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,292,370
Salaries, Compensation, and Employee Benefits$5,158,052
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,469,671
Office Expenses---$1,914,061
Current Officers, Directors, Trustees, and Key Employees---$587,839
Occupancy---$581,950
Other Employee Benefits---$498,429
Depreciation Depletion---$449,966
Information Technology---$335,167
Payroll Taxes---$304,085
Pension Plan Contributions---$298,028
Advertising---$252,277
All Other Expenses---$138,692
Insurance---$102,023
Other Expenses---$80,438
Conferences and Meetings---$48,795
Fees for Services Accounting---$47,705
Travel---$28,976
Fees for Services Legal---$28,595
Interest---$54
Total Functional Expenses$0$0$0$11,450,422

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$11,865,503
Total Expenses per Form 990$11,450,422
Expenses Not Reported on Form 990$6,071,490
Expenses per Audited Statements$5,794,013
Expenses Not Reported on Financial Statements$5,656,409
Other Expense Adjustments$5,656,409
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$2,974
Total Exempt Function Spending$2,974
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$2,974
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$282,897,021
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 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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Membership eligibility requirements are documented in the organization's by-laws. Membership is achieved by maintaining a common share deposit account of $5.00 or greater.”

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

“Credit union holds a meeting of the entire membership annually, at which the membership elects the members of the board of directors to one year terms. All eligible members of the credit union are invited to attend the meeting and vote.”

Form 990, Part VI, Section B, Line 11

“Form 990 is reviewed for accuracy by the credit union's controller prior to being submitted to our external auditors for electronic filing.”

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

“Annual conflict of interest policies are distributed to all employees and directors by the credit union's internal audit area. All forms are to be signed and returned to internal audit, who are responsible for maintaining all records. Data included on forms is reviewed and tested by internal audit on an on-going basis.”

Form 990, Part VI, Section B, Line 15

“Independent consultant is used to establish and maintain grade levels and salary ranges within each grade. Overall merit increase is submitted by the compensation committee to the board of directors for approval annually. Individual salary increases for other officers and key employees are determined by the employees' individual performance appraisals. Ceo salary is established by the board of directors annually.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policies are available to our membership upon request. Financial statements are available to our members and the general public via the ncua's web site. Additionally, year-end financial statements are provided to the membership via our published annual report.”

Filing and Contact Details

Filer

Filer Name
First Northern Credit Union
EIN
36-2009178
Phone
3123948500
Address
230 W MONROE NO 2850, CHICAGO, IL 60606-4902

Signing Officer

Name
Edward Berg
Title
President/CEO
Phone
3123948500
Signed
2015-04-13

Organization Details

Principal Officer
Edward Berg
Formed
1944
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
Employees
107
Volunteers
0
Supplemental Narrative

Additional Explanations

Part XI, Line 5

“Other change in net assets consists of the change in the unrealized gain/loss on available for sale securities.”

Financial Statement Notes

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Represents revenue for the period july 1, 2013 through december 31, 2013. Most recent audited financials were for the 12 month period ended june 30, 2014.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Represents revenues for the period july 1, 2014 through december 31, 2014. Most recent audited financials were for the 12 month period ended june 30, 2014.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Represents expenses for the period july 1, 2013 through december 31, 2013 most recent audited financials were for the 12 month period ended june 30, 2014.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Represents expenses for the period july 1, 2014 through december 31, 2014 most recent audited financials were for the 12 month period ended june 30, 2014.”

Raw XML AppendixShowing 400 of 470 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/BOYAmt02155483
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02005716
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.
IRS990/AdvertisingGrp/TotalAmt0252277
IRS990/AllOtherExpensesGrp/TotalAmt0138692
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JAMES GREVENITES
IRS990/BooksInCareOfDetail/PhoneNum03124296448
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0230 W MONROE SUITE 2850
IRS990/BooksInCareOfDetail/USAddress/CityNm0CHICAGO
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0606064902
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0906522
IRS990/CashNonInterestBearingGrp/EOYAmt0843035
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0587839
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt048795
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01396018
IRS990/CYOtherExpensesAmt06292370
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt09957669
IRS990/CYRevenuesLessExpensesAmt0-96735
IRS990/CYSalariesCompEmpBnftPaidAmt05158052
IRS990/CYTotalExpensesAmt011450422
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt011353687
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0449966
IRS990/Desc0MAINTAINED 40,333 SHARE ACCOUNTS FOR OUR 24,160 MEMBERS TOTALING $282,897,021 IN TOTAL SHARES AS OF DECEMBER 31, 2014.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0107
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt047705
IRS990/FeesForServicesLegalGrp/TotalAmt028595
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt05.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
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/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/PersonNm0GERALD PARTCH
IRS990/Form990PartVIISectionAGrp/PersonNm1RICHARD O'TOOLE
IRS990/Form990PartVIISectionAGrp/PersonNm2BARBARA EPPERLY
IRS990/Form990PartVIISectionAGrp/PersonNm3ROBERT WAINWRIGHT
IRS990/Form990PartVIISectionAGrp/PersonNm4MARCO LENIS
IRS990/Form990PartVIISectionAGrp/PersonNm5CLINTON MORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm6ROBERT POGGENSEE
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES POSKOZIM
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES TORRES
IRS990/Form990PartVIISectionAGrp/PersonNm9CHARLES WALLS
IRS990/Form990PartVIISectionAGrp/PersonNm10EDWARD BERG
IRS990/Form990PartVIISectionAGrp/PersonNm11ALEX MALONE
IRS990/Form990PartVIISectionAGrp/PersonNm12CHRISTOPHER DURKIN
IRS990/Form990PartVIISectionAGrp/PersonNm13JAMES GREVENITES
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10271858
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11183869
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12132111
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13118785
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/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SENIOR VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt13CONTROLLER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01944
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt05728
IRS990/GainOrLossGrp/SecuritiesAmt03933
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt011484
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt04003933
IRS990/GrossReceiptsAmt015359443
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0335167
IRS990/InsuranceGrp/TotalAmt0102023
IRS990/InterestGrp/TotalAmt054
IRS990/InvestmentIncomeGrp/ExclusionAmt01386357
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01386357
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0156026594
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0149867405
IRS990/IRPDocumentCnt05506
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06865944
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02352458
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02007003
IRS990/LandBldgEquipCostOrOtherBssAmt08872947
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt05756
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt04000000
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt022841899
IRS990/NetAssetsOrFundBalancesEOYAmt023003545
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt09661
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt09661
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0258381
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0581950
IRS990/OfficeExpensesGrp/TotalAmt01914061
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06230700
IRS990/OtherAssetsTotalGrp/EOYAmt06533527
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0498429
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DIVIDENDS TO MEMBERS
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS EXPENSES
IRS990/OtherExpensesGrp/TotalAmt01097194
IRS990/OtherExpensesGrp/TotalAmt1629000
IRS990/OtherExpensesGrp/TotalAmt2557477
IRS990/OtherExpensesGrp/TotalAmt380438
IRS990/OtherLiabilitiesGrp/BOYAmt0282649551
IRS990/OtherLiabilitiesGrp/EOYAmt0282897021
IRS990/OtherSalariesAndWagesGrp/TotalAmt03469671
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0121487511
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0130437782
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0304085
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0298028
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0961653
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01201619
IRS990/PrincipalOfficerNm0EDWARD BERG
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INC.
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06690098
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13267571
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06690098
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13267571
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTED 2,692 LOANS TOTALING $68,252,159 TO OUR MEMBERS DURING 2014.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01377701
IRS990/PYOtherExpensesAmt05971820
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt09598328
IRS990/PYRevenuesLessExpensesAmt0-797515
IRS990/PYSalariesCompEmpBnftPaidAmt05801724
IRS990/PYTotalExpensesAmt011773544
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010976029
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-96735
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022841899
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt023003545
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019681495
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017015911
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt02974
IRS990ScheduleC/PoliticalExpendituresAmt02974
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0363092340
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CREDIT UNION POLITICAL ACTION COUNCIL
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt02974
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01807 W DIEHL ROAD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0NAPERVILLE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0IL
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd0605667107
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CASH CONTRIBUTIONS
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO CREDIT UNION POLITICAL ACTION COUNCIL THAT IS REPORTED IN PARTS I-A AND I-C ABOVE.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc1PARTS I-A AND I-C
IRS990ScheduleC/TotalExemptFunctionExpendAmt02974
IRS990ScheduleC/VolunteerHoursCnt00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0736232
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01986654
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02722886
IRS990ScheduleD/EquipmentGrp/BookValueAmt0619461
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04314822
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04934283
IRS990ScheduleD/ExpensesNotReportedAmt06071490
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt05656409
IRS990ScheduleD/ExpensesSubtotalAmt05794013
IRS990ScheduleD/LandGrp/BookValueAmt0403696
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0403696
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0247614
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0564468
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0812082
IRS990ScheduleD/OtherExpensesIncludedAmt06071490
IRS990ScheduleD/OtherExpensesNotIncludedAmt05656409
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0282897021
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherRevenueAmt05437220
IRS990ScheduleD/OtherRevenuesNotIncludedAmt05589249
IRS990ScheduleD/RevenueNotReportedAmt05437220
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt05589249
IRS990ScheduleD/RevenueSubtotalAmt05764438
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0REPRESENTS REVENUE FOR THE PERIOD JULY 1, 2013 THROUGH DECEMBER 31, 2013. MOST RECENT AUDITED FINANCIALS WERE FOR THE 12 MONTH PERIOD ENDED JUNE 30, 2014.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1REPRESENTS REVENUES FOR THE PERIOD JULY 1, 2014 THROUGH DECEMBER 31, 2014. MOST RECENT AUDITED FINANCIALS WERE FOR THE 12 MONTH PERIOD ENDED JUNE 30, 2014.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2REPRESENTS EXPENSES FOR THE PERIOD JULY 1, 2013 THROUGH DECEMBER 31, 2013 MOST RECENT AUDITED FINANCIALS WERE FOR THE 12 MONTH PERIOD ENDED JUNE 30, 2014.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3REPRESENTS EXPENSES FOR THE PERIOD JULY 1, 2014 THROUGH DECEMBER 31, 2014 MOST RECENT AUDITED FINANCIALS WERE FOR THE 12 MONTH PERIOD ENDED JUNE 30, 2014.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02007003
IRS990ScheduleD/TotalExpensesPerForm990Amt011450422
IRS990ScheduleD/TotalLiabilityAmt0282897021
IRS990ScheduleD/TotalRevenuePerForm990Amt011353687
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt011201658
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt011865503
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0248860
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1180924
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt022998
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt12945
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0EDWARD BERG
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ALEX MALONE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1SENIOR VICE PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0271858
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1183869
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE FOLLOWING EMPLOYEES PARTICIPATED IN A SUPPLEMENTAL, NON-QUALIFIED 457B PLAN: EDWARD C. BERG, ALEX MALONE, AND CHRISTOPHER DURKIN.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERSHIP ELIGIBILITY REQUIREMENTS ARE DOCUMENTED IN THE ORGANIZATION'S BY-LAWS. MEMBERSHIP IS ACHIEVED BY MAINTAINING A COMMON SHARE DEPOSIT ACCOUNT OF $5.00 OR GREATER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION HOLDS A MEETING OF THE ENTIRE MEMBERSHIP ANNUALLY, AT WHICH THE MEMBERSHIP ELECTS THE MEMBERS OF THE BOARD OF DIRECTORS TO ONE YEAR TERMS. ALL ELIGIBLE MEMBERS OF THE CREDIT UNION ARE INVITED TO ATTEND THE MEETING AND VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS REVIEWED FOR ACCURACY BY THE CREDIT UNION'S CONTROLLER PRIOR TO BEING SUBMITTED TO OUR EXTERNAL AUDITORS FOR ELECTRONIC FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANNUAL CONFLICT OF INTEREST POLICIES ARE DISTRIBUTED TO ALL EMPLOYEES AND DIRECTORS BY THE CREDIT UNION'S INTERNAL AUDIT AREA. ALL FORMS ARE TO BE SIGNED AND RETURNED TO INTERNAL AUDIT, WHO ARE RESPONSIBLE FOR MAINTAINING ALL RECORDS. DATA INCLUDED ON FORMS IS REVIEWED AND TESTED BY INTERNAL AUDIT ON AN ON-GOING BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INDEPENDENT CONSULTANT IS USED TO ESTABLISH AND MAINTAIN GRADE LEVELS AND SALARY RANGES WITHIN EACH GRADE. OVERALL MERIT INCREASE IS SUBMITTED BY THE COMPENSATION COMMITTEE TO THE BOARD OF DIRECTORS FOR APPROVAL ANNUALLY. INDIVIDUAL SALARY INCREASES FOR OTHER OFFICERS AND KEY EMPLOYEES ARE DETERMINED BY THE EMPLOYEES' INDIVIDUAL PERFORMANCE APPRAISALS. CEO SALARY IS ESTABLISHED BY THE BOARD OF DIRECTORS ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE TO OUR MEMBERSHIP UPON REQUEST. FINANCIAL STATEMENTS ARE AVAILABLE TO OUR MEMBERS AND THE GENERAL PUBLIC VIA THE NCUA'S WEB SITE. ADDITIONALLY, YEAR-END FINANCIAL STATEMENTS ARE PROVIDED TO THE MEMBERSHIP VIA OUR PUBLISHED ANNUAL REPORT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER CHANGE IN NET ASSETS CONSISTS OF THE CHANGE IN THE UNREALIZED GAIN/LOSS ON AVAILABLE FOR SALE SECURITIES.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$307,906,282
Liabilities
$284,902,737
Net assets
$23,003,545
Revenue
$11,353,687
Expenses
$11,450,422
Net income
-$96,735
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$336$307$29.5$20.2$16.7$3.47
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$351$327$23.7$15.7$14.8$0.85
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$367$347$19.8$13.9$13.6$0.28
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$377$350$26.9$14.9$14.0$0.94
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$349$322$27.4$15.9$14.8$1.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$303$277$25.9$14.6$14.1$0.44
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$308$283$24.6$13.9$13.3$0.61
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$316$292$24.2$13.1$12.5$0.64
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$318$293$24.1$12.8$12.1$0.64
2015Detailed filing. Detailed filing data is available for this year.$313$290$23.3$11.9$11.6$0.32
2014Detailed filing. Detailed filing data is available for this year.$308$285$23.0$11.4$11.5$0.10
2013Detailed filing. Detailed filing data is available for this year.$308$285$22.8$11.0$11.8$0.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$308$284$24.1$12.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$289$266$23.7$12.4
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$285$261$23.5$16.2
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2014 filings • 501(c)14 • $250M-$1B nonprofits