Civic Intelligence

Kankakee Terminal Belt Credit Union

990 • Fiscal year 2017 • EIN 36-2274673

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 30, 2018

Organization ProfileWWW.KTBCU.COM
1370 W Court StreetKankakee, IL 60901

(815) 939-1688

Siviq Scores

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

Liabilities / Assets

75th percentile

0.90x

Higher debt load relative to assets than 75% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

20th percentile

12.96x

Higher debt load relative to revenue than 20% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

18th percentile

-6.5%

Higher net margin than 18% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

71st percentile

$66,904

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 16.9% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

42nd percentile

-0.1%

Faster asset growth than 42% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

56th percentile

3.0%

Faster revenue growth than 56% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets75th percentile

Assets

Down

$5,731,844

Down $6,510 (-0.1%) from 2016

Net Assets

Down

$591,479

Down $25,943 (-4.2%) from 2016

Liabilities

Up

$5,140,365

Up $19,433 (+0.4%) from 2016

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin18th percentile

Revenue

Up

$396,723

Up $11,545 (+3.0%) from 2016

Expenses

Up

$422,666

Up $40,054 (+10%) from 2016

Net Income

Down

-$25,943

Down $28,509 (-1111%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth42nd 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

2017

Assets$5,731,844
Liabilities$5,140,365
Net Assets$591,479
Open 2017 Filing

Operations Trend

Revenue Growth56th percentile

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

2017

Revenue$396,723
Expenses$422,666
Net Income-$25,943
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 30, 2018
Return Version
2017v2.3
Gross Receipts
$396,723
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,461,270$4,547,120▲ $85,850
Savings and Temporary Cash Investments$805,041$705,691▼ $99,350
Rtn Earn Endowment Incm Other Fnds$617,422$591,479▼ $25,943
Cash and Non-Interest-Bearing Accounts$165,001$195,646▲ $30,645
Land, Buildings, and Equipment, Net$200,183$186,088▼ $14,095
Prepaid Expenses and Deferred Charges$43,430$30,230▼ $13,200
Total Assets$5,738,354$5,731,844▼ $6,510
Other Assets Total$63,429$67,069▲ $3,640
Liabilities
Other Liabilities$5,106,873$5,103,273▼ $3,600
Accounts Payable and Accrued Expenses$14,059$37,092▲ $23,033
Total Liabilities$5,120,932$5,140,365▲ $19,433
Net Assets / Fund Balance
Total Net Assets Fund Balance$617,422$591,479▼ $25,943
Total Liabilities and Net Assets / Fund Balance$5,738,354$5,731,844▼ $6,510

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$147,578$84,306$231,884
Equipment$15,860$170,138$185,998
Land$22,650-$22,650
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Shelley MesserPres/mngrFT$66,904$66,904
Julie ParksSecretary/trFT$48,496$48,496

Board Members and Trustees

NameTitle
Brent ManauChairperson
Michael SneedVice Chairpe
Julie EbersoleDirector
Mary ChristensenDirector
Monty ParksDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$308,892
Investment Income
$4,048
Other Revenue
$83,783
Change in Net Assets
$-25,943

Audited Revenue Reconciliation

Revenue per Audited Statements
$396,723
Total Revenue per Audited Statements
$396,723
Total Revenue per Form 990
$396,723
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$248,319
Salaries, Compensation, and Employee Benefits$174,347
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$115,400--$115,400
Other Salaries and Wages$44,407--$44,407
Information Technology$40,103--$40,103
Occupancy$33,793--$33,793
All Other Expenses$23,343--$23,343
Office Expenses$15,750--$15,750
Payroll Taxes$14,540--$14,540
Depreciation Depletion$14,095--$14,095
Interest$13,757--$13,757
Fees for Services Other$12,300--$12,300
Fees for Services Accounting$9,086--$9,086
Other Expenses$8,200--$8,200
Insurance$7,406--$7,406
Advertising$1,878--$1,878
Conferences and Meetings$550--$550
Total Functional Expenses$422,666$0$0$422,666

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$422,666
Total Expenses per Audited Statements$422,666
Total Expenses per Form 990$422,666
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 Deposits$5,103,273
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The 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.”

Form 990, Page 6, Part VI, Line 7A

“The 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.”

Form 990, Page 6, Part VI, Line 11B

“The 990 is reviewed by management before it is signed and submitted.”

Form 990, Page 6, Part VI, Line 15A

“The 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.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are posted in the lobby for the public to view. All other governing documents are not openly available for public inspection.”

Filing and Contact Details

Filer

Filer Name
Kankakee Terminal Belt Credit Union
EIN
36-2274673
Phone
8159391688
Address
1370 W COURT STREET, KANKAKEE, IL 60901

Signing Officer

Name
Shelley Messer
Title
Pres/mngr
Phone
8159391688
Signed
2018-04-30

Organization Details

Principal Officer
Shelley Messer
Formed
1953
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
5
Employees
5

Preparer

Firm
Smith Koelling Dykstra & Ohm Pc
Address
1605 N CONVENT, BOURBONNAIS, IL 60914
Preparer
Marcie Meents Kolberg
Phone
8159371997
Raw XML Appendix349 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05103273
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt0396723
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0186088
IRS990ScheduleD/TotalExpensesPerForm990Amt0422666
IRS990ScheduleD/TotalLiabilityAmt05103273
IRS990ScheduleD/TotalRevenuePerForm990Amt0396723
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0396723
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0422666
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 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/SupplementalInformationDetail/ExplanationTxt1THE 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/SupplementalInformationDetail/ExplanationTxt2THE 990 IS REVIEWED BY MANAGEMENT BEFORE IT IS SIGNED AND SUBMITTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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/SupplementalInformationDetail/ExplanationTxt4FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY FOR THE PUBLIC TO VIEW. ALL OTHER GOVERNING DOCUMENTS ARE NOT OPENLY AVAILABLE FOR PUBLIC INSPECTION.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05738354
IRS990/TotalAssetsEOYAmt05731844
IRS990/TotalAssetsGrp/BOYAmt05738354
IRS990/TotalAssetsGrp/EOYAmt05731844
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0422666
IRS990/TotalFunctionalExpensesGrp/TotalAmt0422666
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05120932
IRS990/TotalLiabilitiesEOYAmt05140365
IRS990/TotalLiabilitiesGrp/BOYAmt05120932
IRS990/TotalLiabilitiesGrp/EOYAmt05140365
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0617422
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0591479
IRS990/TotalProgramServiceRevenueAmt0308892
IRS990/TotalReportableCompFromOrgAmt0115400
IRS990/TotalRevenueGrp/ExclusionAmt04048
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0392675
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0396723
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05738354
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05731844
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01370 W COURT STREET
IRS990/USAddress/CityNm0KANKAKEE
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060901
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.KTBCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0SHELLEY MESSER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES/MNGR
ReturnHeader/BusinessOfficerGrp/PhoneNum08159391688
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KANKAKEE TERMINAL BELT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KANK
ReturnHeader/Filer/EIN0362274673
ReturnHeader/Filer/PhoneNum08159391688
ReturnHeader/Filer/USAddress/AddressLine1Txt01370 W COURT STREET
ReturnHeader/Filer/USAddress/CityNm0KANKAKEE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060901
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0AEF94E844416A4C77D8B779AB3763AC58FA89DA0
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0526D2C0F25EF0309FE4851AFF95230FCA92EC3CE
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt012.157.172.194
ReturnHeader/FilingSecurityInformation/IPDt02018-05-09
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm009:08:23
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0362830852
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SMITH KOELLING DYKSTRA & OHM PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01605 N CONVENT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BOURBONNAIS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060914
ReturnHeader/PreparerPersonGrp/PhoneNum08159371997
ReturnHeader/PreparerPersonGrp/PreparationDt02018-04-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARCIE MEENTS KOLBERG
ReturnHeader/ReturnTs02018-05-09T09:08:23-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,731,844
Liabilities
$5,140,365
Net assets
$591,479
Revenue
$396,723
Expenses
$422,666
Net income
-$25,943
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)14 • $5M-$10M nonprofits