Civic Intelligence

Kankakee Terminal Belt Credit Union

990 • Fiscal year 2012 • EIN 36-2274673

Jan 01, 2012 to Dec 31, 2012 • Filed on Mar 28, 2013

Organization ProfileWWW.KTBCU.COM
1370 W Court Street60901
Siviq Scores

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

Liabilities / Assets

69th percentile

0.87x

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

2012 filings • 501(c)14 • $1M-$5M 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

40th percentile

0.5%

Faster asset growth than 40% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M 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

$4,259,129

Up $20,236 (+0.5%) from 2011

Net Assets

Down

$555,627

Down $54,074 (-8.9%) from 2011

Liabilities

Up

$3,703,502

Up $74,310 (+2.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$368,928

Up $41,158 (+13%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth40th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $4,157,458Liabilities 2010: $3,547,334Net Assets 2010: $610,1242010Assets 2011: $4,238,893Liabilities 2011: $3,629,192Net Assets 2011: $609,7012011Assets 2012: $4,259,129Liabilities 2012: $3,703,502Net Assets 2012: $555,6272012Assets 2013: $4,334,168Liabilities 2013: $3,774,521Net Assets 2013: $559,6472013Assets 2014: $4,914,414Liabilities 2014: $4,329,138Net Assets 2014: $585,2762014Assets 2015: $5,354,915Liabilities 2015: $4,740,059Net Assets 2015: $614,8562015Assets 2016: $5,738,354Liabilities 2016: $5,120,932Net Assets 2016: $617,4222016Assets 2017: $5,731,844Liabilities 2017: $5,140,365Net Assets 2017: $591,4792017Assets 2018: $5,536,682Liabilities 2018: $5,037,165Net Assets 2018: $499,5172018Assets 2019: $5,406,453Liabilities 2019: $4,895,911Net Assets 2019: $510,5422019Assets 2020: $6,556,213Liabilities 2020: $6,032,404Net Assets 2020: $523,8092020Assets 2021: $7,507,591Liabilities 2021: $6,944,515Net Assets 2021: $563,0762021Assets 2022: $7,176,448Liabilities 2022: $6,560,394Net Assets 2022: $616,0542022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2012

Assets$4,259,129
Liabilities$3,703,502
Net Assets$555,627
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $299,7782010Expenses 2011: $327,7702011Expenses 2012: $368,9282012Revenue 2013: $312,538Expenses 2013: $308,518Net Income 2013: $4,0202013Revenue 2014: $346,236Expenses 2014: $320,607Net Income 2014: $25,6292014Revenue 2015: $365,589Expenses 2015: $336,009Net Income 2015: $29,5802015Revenue 2016: $385,178Expenses 2016: $382,612Net Income 2016: $2,5662016Revenue 2017: $396,723Expenses 2017: $422,666Net Income 2017: -$25,9432017Revenue 2018: $385,151Expenses 2018: $477,113Net Income 2018: -$91,9622018Revenue 2019: $374,734Expenses 2019: $363,711Net Income 2019: $11,0232019Revenue 2020: $375,804Expenses 2020: $362,537Net Income 2020: $13,2672020Revenue 2021: $391,843Expenses 2021: $352,576Net Income 2021: $39,2672021Revenue 2022: $406,478Expenses 2022: $353,500Net Income 2022: $52,9782022Revenue 2023: $466,274Expenses 2023: $844,882Net Income 2023: -$378,6082023

Highlighted filing

2012

Revenue-
Expenses$368,928
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Mar 28, 2013
Return Version
2012v2.1
Gross Receipts
$314,854
Mission and Program Overview

Mission

Provide consumer loans, receive deposits on savings, checking, and cd accounts to members.

Filing and Contact Details

Filer

EIN
36-2274673
Raw XML Appendix356 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/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/Explanation0THE CREDIT UNION IS A STATE OF ILLINOIS CHARTERED CREDIT UNION. MEMBERSHIP IS OPEN TO EMPLOYEES OF THE NORFOLK SOUTHERN, CSX, CONRAIL AND AMTRAK RAILROADS, IMMEDIATE FAMILY MEMBERS AND SIBLINGS OF THOSE EMPLOYEES. IN ADDITION, MEMBERSHIP IS OPEN TO ANYONE WHO LIVES OR WORKS IN KANKAKEE COUNTY.
IRS990ScheduleO/GeneralExplanation/Explanation1THE ORGANIZATION FOLLOWS THE STANDARD BYLAWS AS SET FORTH BY THE STATE OF ILLINOIS. THE NUMBER OF DIRECTORS OF THIS CREDIT UNION SHALL BE 7. 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/Explanation2THE 990 IS REVIEWED BY MANAGEMENT BEFORE IT IS SIGNED AND SUBMITTED.
IRS990ScheduleO/GeneralExplanation/Explanation3THE COMPENSATION PROCESS FOR TOP OFFICIALS INCLUDES A REVIEW AND APPROVAL BY (INDEPENDENT PERSON) THE BOARD OF DIRECTORS, COMPARABILITY DATA AND IS RECORDED IN THE MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation4FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY FOR THE PUBLIC TO VIEW. ALL OTHER GOVERNING DOCUMENTS ARE NOT OPENLY AVAILABLE FOR PUBLIC INSPECTION.
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IRS990ScheduleO/GeneralExplanation/Identifier3COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier4GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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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
$4,259,129
Liabilities
$3,703,502
Net assets
$555,627
Revenue
-
Expenses
$368,928
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.47$0.84$0.38
2022Detailed filing. Detailed filing data is available for this year.$7.18$6.56$0.62$0.41$0.35$0.05
2021Detailed filing. Detailed filing data is available for this year.$7.51$6.94$0.56$0.39$0.35$0.04
2020Detailed filing. Detailed filing data is available for this year.$6.56$6.03$0.52$0.38$0.36$0.01
2019Detailed filing. Detailed filing data is available for this year.$5.41$4.90$0.51$0.37$0.36$0.01
2018Detailed filing. Detailed filing data is available for this year.$5.54$5.04$0.50$0.39$0.48$0.09
2017Detailed filing. Detailed filing data is available for this year.$5.73$5.14$0.59$0.40$0.42$0.03
2016Detailed filing. Detailed filing data is available for this year.$5.74$5.12$0.62$0.39$0.38$0.00
2015Detailed filing. Detailed filing data is available for this year.$5.35$4.74$0.61$0.37$0.34$0.03
2014Detailed filing. Detailed filing data is available for this year.$4.91$4.33$0.59$0.35$0.32$0.03
2013Detailed filing. Detailed filing data is available for this year.$4.33$3.77$0.56$0.31$0.31$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.26$3.70$0.56$0.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.24$3.63$0.61$0.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.16$3.55$0.61$0.30