Civic Intelligence

Fieldstone Credit Union

990 • Fiscal year 2012 • EIN 36-2261646

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 05, 2013

Organization ProfileWWW.FIELDSTONECU.COM

View Organization Page

395 N Kinzie60915
Siviq Scores

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

Liabilities / Assets

69th percentile

0.90x

Higher debt load relative to assets than 69% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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

92nd percentile

10%

Faster asset growth than 92% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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 / Assets69th percentile

Assets

Up

$39,037,017

Up $3,600,963 (+10%) from 2011

Net Assets

Up

$3,990,634

Up $158,561 (+4.1%) from 2011

Liabilities

Up

$35,046,383

Up $3,442,402 (+11%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,720,863

Down $38,042 (-2.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth92nd percentile

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

$60M$40M$20M$0Assets 2010: $33,027,800Liabilities 2010: $29,282,933Net Assets 2010: $3,744,8672010Assets 2011: $35,436,054Liabilities 2011: $31,603,981Net Assets 2011: $3,832,0732011Assets 2012: $39,037,017Liabilities 2012: $35,046,383Net Assets 2012: $3,990,6342012Assets 2013: $41,371,874Liabilities 2013: $37,058,975Net Assets 2013: $4,312,8992013Assets 2014: $41,901,824Liabilities 2014: $37,251,179Net Assets 2014: $4,650,6452014Assets 2015: $42,626,066Liabilities 2015: $37,673,308Net Assets 2015: $4,952,7582015Assets 2016: $43,666,032Liabilities 2016: $38,605,046Net Assets 2016: $5,060,9862016Assets 2017: $44,301,766Liabilities 2017: $38,909,755Net Assets 2017: $5,392,0112017Assets 2018: $44,615,388Liabilities 2018: $38,944,680Net Assets 2018: $5,670,7082018Assets 2019: $45,690,262Liabilities 2019: $39,646,034Net Assets 2019: $6,044,2282019Assets 2020: $53,503,197Liabilities 2020: $47,313,190Net Assets 2020: $6,190,0072020Assets 2021: $58,300,352Liabilities 2021: $51,729,223Net Assets 2021: $6,571,1292021Assets 2022: $58,104,454Liabilities 2022: $51,251,597Net Assets 2022: $6,852,8572022Assets 2023: $52,974,657Liabilities 2023: $45,766,698Net Assets 2023: $7,207,9592023Assets 2024: $53,898,639Liabilities 2024: $46,208,819Net Assets 2024: $7,689,8202024

Highlighted filing

2012

Assets$39,037,017
Liabilities$35,046,383
Net Assets$3,990,634
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,816,0602010Expenses 2011: $1,758,9052011Expenses 2012: $1,720,8632012Revenue 2013: $1,999,631Expenses 2013: $1,677,366Net Income 2013: $322,2652013Revenue 2014: $2,066,154Expenses 2014: $1,728,408Net Income 2014: $337,7462014Revenue 2015: $2,097,328Expenses 2015: $1,795,215Net Income 2015: $302,1132015Revenue 2016: $2,146,164Expenses 2016: $2,037,936Net Income 2016: $108,2282016Revenue 2017: $2,200,909Expenses 2017: $1,869,884Net Income 2017: $331,0252017Revenue 2018: $2,244,825Expenses 2018: $1,966,128Net Income 2018: $278,6972018Revenue 2019: $2,348,046Expenses 2019: $1,974,526Net Income 2019: $373,5202019Revenue 2020: $2,200,505Expenses 2020: $2,054,726Net Income 2020: $145,7792020Revenue 2021: $2,417,242Expenses 2021: $2,036,120Net Income 2021: $381,1222021Revenue 2022: $2,368,480Expenses 2022: $2,086,752Net Income 2022: $281,7282022Revenue 2023: $2,722,828Expenses 2023: $2,407,198Net Income 2023: $315,6302023Revenue 2024: $3,293,262Expenses 2024: $2,811,401Net Income 2024: $481,8612024

Highlighted filing

2012

Revenue-
Expenses$1,720,863
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 5, 2013
Return Version
2012v2.1
Gross Receipts
$1,879,424
Mission and Program Overview

Mission

Fieldstone credit union exists to meet the changing financial needs of our membership by providing fair and competitive services while maintaining long-term financial security for the credit union and its members.

Filing and Contact Details

Filer

EIN
36-2261646
Raw XML Appendix388 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleC/Form990ScheduleCPartIV/Explanation0FIELDSTONE CREDIT UNION IS A MEMBER OF CUPAC (CREDIT UNION POLITICAL ACTION COUNCIL). CONTRIBUTIONS ARE SENT TO CUPAC THAT ARE THEN USED INDIRECTLY FOR POLITICAL ACTIVITIES. THE CREDIT UNION DONATION IS UNDER THE LIMIT TO FILE A 1120-POL.
IRS990ScheduleC/Form990ScheduleCPartIV/Explanation1THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO CUPAC THAT IS REPORTED IN PARTS I-A AND I-C OF THIS SCHEDULE C. SINCE THE CONTRIBUTION AMOUNT WAS 100 OR LESS, THE CREDIT UNION WAS NOT REQUIRED TO FILE FORM 1120-POL.
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IRS990ScheduleO/GeneralExplanation/Explanation0FIELDSTONE CREDIT UNION EXISTS TO MEET THE CHANGING FINANCIAL NEEDS OF OUR MEMBERSHIP BY PROVIDING FAIR AND COMPETITIVE SERVICES WHILE MAINTAINING LONG-TERM FINANCIAL SECURITY FOR THE CREDIT UNION AND ITS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation18B - DOCUMENTATION BY COMMITTEE EXPLANATION THE CREDIT UNION RECORDS MINUTES AT THE ALCO AND EXECUTIVE COMMITTEE MEETINGS, HOWEVER THEY DO NOT RECORD MINUTES AT ANY OTHER COMMITTEE MEETINGS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE ORGANIZATION FOLLOWS THE STANDARD BYLAWS AS SET FORTH BY THE STATE OF ILLINOIS. THE NUMBER OF DIRECTORS OF THIS CREDIT UNION SHALL BE 9. THE DIRECTORS SHALL BE ELECTED EACH YEAR AT THE ANNUAL MEETING OF THE MEMBERS HELD IN ACCORDANCE WITH ARTICLE IV OF THE ILLINOIS CREDIT UNION ACT - RULES AND REGULATIONS - STANDARD BYLAWS. THE DIRECTORS, UNLESS SOONER DISQUALIFIED OR REMOVED, SHALL HOLD OFFICE FOR THE TERM OF OFFICE FOR WHICH ELECTED AND UNTIL THEIR SUCCESSORS ARE ELECTED AND SHALL HAVE BEEN QUALIFIED.
IRS990ScheduleO/GeneralExplanation/Explanation3THE 990 IS PRESENTED TO THE ORGANIZATION BEFORE IT IS FILED. MANAGEMENT REVIEWS THE 990 BEFORE SUBMISSION.
IRS990ScheduleO/GeneralExplanation/Explanation4DIRECTORS, SUPERVISORY COMMITTEE MEMBERS AND EMPLOYEES SIGN A CODE OF CONDUCT IN WHICH THEY AGREE TO AVOID CONFLICTS OF INTEREST OR DISCLOSE THEM TO THE BOARD, WHICH IS THE CREDIT UNION'S MEANS OF MONITORING AND ENFORCING THE CONFLICT OF INTEREST POLICY. THIS IS DONE AT THE TIME OF HIRE, ELECTION OR APPOINTMENT.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CREDIT UNION HAS A PROCESS IN PLACE THAT DETERMINES COMPENSATION OF THE MANAGEMENT AND KEY EMPLOYEES WHICH INCLUDES A REVIEW AND APPROVAL BY INDEPENDENT PERSONS, COMPARABILITY DATA AND IS RECORDED IN THE MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation6GOVERNING DOCUMENTS ARE NOT OPENLY AVAILABLE TO THE PUBLIC. THEY ARE MADE AVAILABLE ONLY UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7VIRTUAL BRANCH 37,001 0 0 STABILIZATION ASSESSMENT 31,366 0 0 SHARE DRAFT EXPENSE 28,715 0 0 INSURANCE BOND 25,195 0 0 CREDIT BUREAU 17,990 0 0 DFI EXAM 12,556 0 0 OUTSIDE SERVICES 12,135 0 0 ASSOCIATION DUES 11,817 0 0 HE/FHA PROCESSING FEE 11,724 0 0 ATM MACHINE EXPENSE 11,310 0 0 COLLECTION EXPENSE 10,903 0 0 AUDIO RSPONSE EXPENSE 10,381 0 0 MAINTENANCE OF FURN&EQUIP 10,011 0 0 ARMORED CAR 9,327 0 0 ALLIED FIRST MORTGAGE FEE 8,322 0 0 VISA FRAUDULENT LOAN LOSS 5,019 0 0 MEMBER UNITED BANK BILL 4,039 0 0 PHH SERVICING FEE 2,777 0 0 IRA EXPENSE 2,747 0 0 DONATIONS 1,900 0 0 CASH OVER AND SHORT 127 0 0
IRS990ScheduleO/GeneralExplanation/Explanation8MANAGEMENT REVIEWS THE AUDIT
IRS990ScheduleO/GeneralExplanation/Identifier0ORGANIZATION'S MISSION
IRS990ScheduleO/GeneralExplanation/Identifier1ADDITIONAL INFORMATION
IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier3ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier4ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier5COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier6GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier7OTHER EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier8ADDITIONAL INFORMATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART IX, LINE 24E
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XII
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IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10395 N KINZIE
IRS990/TheBooksAreInCareOf/AddressUS/City0BRADLEY
IRS990/TheBooksAreInCareOf/AddressUS/State0IL
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode060915
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10FIELDSTONE CREDIT UNION
IRS990/TheBooksAreInCareOf/TelephoneNumber08159291870
IRS990/TotalAssets/BOY035436054
IRS990/TotalAssetsBOY035436054
IRS990/TotalAssets/EOY039037017
IRS990/TotalAssetsEOY039037017
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear01720863
IRS990/TotalExpensesPriorYear01758905
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total01720863
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY031603981
IRS990/TotalLiabilitiesBOY031603981
IRS990/TotalLiabilities/EOY035046383
IRS990/TotalLiabilitiesEOY035046383
IRS990/TotalLiabNetAssetsFundBalances/BOY035436054
IRS990/TotalLiabNetAssetsFundBalances/EOY039037017
IRS990/TotalNbrEmployees018
IRS990/TotalNetAssetsFundBalances/BOY03832073
IRS990/TotalNetAssetsFundBalances/EOY03990634
IRS990/TotalOtherRevenue060523
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue01704220
IRS990/TotalReportableCompFromOrg092492
IRS990/TotalRevenueCurrentYear01879424
IRS990/TotalRevenue/ExclusionAmount0114681
IRS990/TotalRevenuePriorYear01846111
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome01764743
IRS990/TotalRevenue/TotalRevenueColumn01879424
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0N/A
IRS990/WhistleblowerPolicy0true
IRS990/YearFormation01953
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0362261646
ReturnHeader/Filer/Name/BusinessNameLine10FIELDSTONE CREDIT UNION
ReturnHeader/Filer/NameControl0FIEL
ReturnHeader/Filer/Phone08159291870
ReturnHeader/Filer/USAddress/AddressLine10395 N KINZIE
ReturnHeader/Filer/USAddress/City0BRADLEY
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode060915
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-04-05
ReturnHeader/Officer/Name0MARK BARON
ReturnHeader/Officer/Phone08159291870
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/Preparer/DatePrepared02013-04-05
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10SMITH KOELLING DYKSTRA & OHM PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine101605 N CONVENT
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0BOURBONNAIS
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0IL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode060914
ReturnHeader/Preparer/Name0MARCIE MEENTS KOLBERG
ReturnHeader/Preparer/Phone08159371997
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-04-12T13:36:19-05:00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$39,037,017
Liabilities
$35,046,383
Net assets
$3,990,634
Revenue
-
Expenses
$1,720,863
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$53.9$46.2$7.69$3.29$2.81$0.48
2023Detailed filing. Detailed filing data is available for this year.$53.0$45.8$7.21$2.72$2.41$0.32
2022Detailed filing. Detailed filing data is available for this year.$58.1$51.3$6.85$2.37$2.09$0.28
2021Detailed filing. Detailed filing data is available for this year.$58.3$51.7$6.57$2.42$2.04$0.38
2020Detailed filing. Detailed filing data is available for this year.$53.5$47.3$6.19$2.20$2.05$0.15
2019Detailed filing. Detailed filing data is available for this year.$45.7$39.6$6.04$2.35$1.97$0.37
2018Detailed filing. Detailed filing data is available for this year.$44.6$38.9$5.67$2.24$1.97$0.28
2017Detailed filing. Detailed filing data is available for this year.$44.3$38.9$5.39$2.20$1.87$0.33
2016Detailed filing. Detailed filing data is available for this year.$43.7$38.6$5.06$2.15$2.04$0.11
2015Detailed filing. Detailed filing data is available for this year.$42.6$37.7$4.95$2.10$1.80$0.30
2014Detailed filing. Detailed filing data is available for this year.$41.9$37.3$4.65$2.07$1.73$0.34
2013Detailed filing. Detailed filing data is available for this year.$41.4$37.1$4.31$2.00$1.68$0.32
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.0$35.0$3.99$1.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.4$31.6$3.83$1.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.0$29.3$3.74$1.82