Liabilities / Assets
41st percentile
Higher debt load relative to assets than 41% of similar nonprofits.
Generations Credit Union
990 • Fiscal year 2018 • EIN 36-2334218
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.85x
Liabilities / Revenue
51st percentile
Higher debt load relative to revenue than 51% of similar nonprofits.
Net Margin
21st percentile
Higher net margin than 21% of similar nonprofits.
Top Officer Pay
45th percentile
Higher top officer pay than 45% of similar nonprofits.
Top officer pay equals 8.6% of source-year revenue.
Asset Growth
59th percentile
Faster asset growth than 59% of similar nonprofits.
Revenue Growth
32nd percentile
Faster revenue growth than 32% of similar nonprofits.
Balance Sheet
Assets
Up$18,562,989
Up $237,015 (+1.3%) from 2017
Net Assets
Up$2,839,661
Up $17,613 (+0.6%) from 2017
Liabilities
Up$15,723,328
Up $219,402 (+1.4%) from 2017
Revenue And Expenses
Revenue
Up$838,600
Up $43,992 (+5.5%) from 2017
Expenses
Up$820,417
Up $55,692 (+7.3%) from 2017
Net Income
Down$18,183
Down $11,700 (-39%) from 2017
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2018 to Dec 31, 2018
- Signed
- May 13, 2019
- Return Version
- 2018v3.0
- Gross Receipts
- $838,600
Mission and Program Overview
Mission
To assist our members in the management of their financial well-being by providing quality low cost loans, a variety of savings accounts and other financial institution services in a friendly and professsional manner.
To assist our members in the management of their financial well-being by providing loans, savings accounts, and other financial institution services in a friendly and professional manner.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $10,080,665 | $9,736,177 | ▼ $344,488 |
| Investments Other Securities | $5,733,000 | $6,959,226 | ▲ $1,226,226 |
| Rtn Earn Endowment Incm Other Fnds | $2,822,048 | $2,839,661 | ▲ $17,613 |
| Land, Buildings, and Equipment, Net | $969,793 | $945,036 | ▼ $24,757 |
| Savings and Temporary Cash Investments | $979,984 | $505,488 | ▼ $474,496 |
| Cash and Non-Interest-Bearing Accounts | $311,670 | $169,548 | ▼ $142,122 |
| Accounts Receivable | $44,775 | $44,532 | ▼ $243 |
| Prepaid Expenses and Deferred Charges | $22,662 | $31,074 | ▲ $8,412 |
| Investments in Publicly Traded Securities | $23,498 | $14,299 | ▼ $9,199 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $18,325,974 | $18,562,989 | ▲ $237,015 |
| Other Assets Total | $159,927 | $157,609 | ▼ $2,318 |
| Liabilities | |||
| Other Liabilities | $15,248,834 | $15,537,186 | ▲ $288,352 |
| Accounts Payable and Accrued Expenses | $255,092 | $186,142 | ▼ $68,950 |
| Total Liabilities | $15,503,926 | $15,723,328 | ▲ $219,402 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,822,048 | $2,839,661 | ▲ $17,613 |
| Total Liabilities and Net Assets / Fund Balance | $18,325,974 | $18,562,989 | ▲ $237,015 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $540,938 | $235,521 | $776,459 |
| Land | $361,945 | - | $361,945 |
| Equipment | $23,860 | $205,475 | $229,335 |
| Other Land Buildings | $18,293 | $32,195 | $50,488 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $6,959,226 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Karen Jurasek | President - Treasurer | FT | $63,846 | $8,441 | $72,287 |
Board Members and Trustees
| Name | Title |
|---|---|
| Dale Hillers | Chairman of the Board |
| Robert Boyd | Board Vice Chairman |
| Arron Koch | Board Member |
| Don Fiedler | Board Member |
| Gary Askegaard | Board Member |
| Joanne Freda Peterson | Board Member |
| Jolene Unangst | Board Member |
| Peter Giacommazzo | Board Member |
| Randall Freding | Board Member |
| Cora Budden | Secretary of Board |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $68
- Program Service Revenue
- $527,808
- Investment Income
- $147,330
- Other Revenue
- $163,394
- All Other Contributions
- $0
- Change in Net Assets
- $18,183
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $449,752 |
| Salaries, Compensation, and Employee Benefits | $370,665 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $230,571 | - | - | $230,571 |
| Office Expenses | $115,680 | - | - | $115,680 |
| Current Officers, Directors, Trustees, and Key Employees | $74,337 | - | - | $74,337 |
| Other Expenses | $59,765 | $0 | - | $59,765 |
| Occupancy | $54,093 | - | - | $54,093 |
| Other Employee Benefits | $41,723 | - | - | $41,723 |
| Depreciation Depletion | $28,477 | - | - | $28,477 |
| Advertising | $25,972 | - | - | $25,972 |
| Payroll Taxes | $22,156 | - | - | $22,156 |
| Fees for Services Accounting | $19,966 | - | - | $19,966 |
| Insurance | $12,318 | - | - | $12,318 |
| Payments to Affiliates | $10,152 | - | - | $10,152 |
| Fees for Services Legal | $7,150 | - | - | $7,150 |
| Interest | $4,608 | - | - | $4,608 |
| Conferences and Meetings | $4,059 | - | - | $4,059 |
| Pension Plan Contributions | $1,878 | - | - | $1,878 |
| Total Functional Expenses | $820,417 | $0 | $0 | $820,417 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Shares of Members | $7,854,670 |
| Certificates | $2,806,145 |
| Checking Accounts | $2,146,889 |
| Ira Certificates | $2,066,906 |
| Fortune Fund Shares | $507,386 |
| Vacation Club | $104,369 |
| Christmas Club | $35,611 |
| Non Traditional Checking | $15,210 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- Yes
- 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
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“The credit union requires those who have an account for loans or savings to be members.”
Form 990, Part VI, Section A, Line 7A
“Members vote on individuals who will serve on the "Board of Directors" at the annual meeting held each year.”
Form 990, Part VI, Section A, Line 7B
“Members must approve changes in by-laws or mergers.”
Form 990, Part VI, Section B, Line 11B
“The 990 return is prepared by the credit union's accountant. It is than reviewed and approved by the credit union's president, who is a member of the Board of Directors, for accuracy and completeness prior to submission to the IRS. There is no review by other Board of Directors prior to submission”
Form 990, Part VI, Section B, Line 12C
“A conflict of interest occurs when a person is an a position to influence the credit union's transactions that may result in a personal gain to himself or a "relative". For this purpose a "relative" is any person who is related to a person by blood, marriage, one whom a person is cohabiting. It is important that the person disclose to the President/CEO as soon as possible the existence of an actual or potential conflict of interest. This is so that a determination can be made as to whether safeguards should be established to protect all parties. Conflicts of interest by members of the board would reviewed by the Chairman of the Board and the Supervisory Committee. If there is a conflict of interest with any of the above, the individual would be prohibited from participating in the governing body's deliberation and decisions in transactions.”
Form 990, Part VI, Section B, Line 15
“The position of "President" for the credit union is reviewed and approved by the "Chairman of the Board" and the "Budget-Operations Committee" concerning the and pay raises for the credit union's president. This was last done in 2018.”
Form 990, Part VI, Section C, Line 19
“The credit union posts on its office bulletin board the "Conflict of Interest" policy. A link to its website is made of the financial statements for public viewing. Other "governing documents" are not made available to the public.”
Filing and Contact Details
Filer
- Filer Name
- Generations Credit Union
- EIN
- 36-2334218
- Phone
- 8153162900
- Address
- 5618 Harrison Ave, Rockford, IL 61108-8110
Signing Officer
- Name
- Karen Jurasek
- Title
- President
- Phone
- 8153162900
- Signed
- 2019-05-13
Organization Details
- Principal Officer
- Karen Jurasek
- Formed
- 1944
- Legal Domicile
- Il
- Voting Board Members
- 12
- Independent Board Members
- 11
- Employees
- 11
- Volunteers
- 0
Raw XML AppendixShowing 400 of 483 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 |
|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 186142 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 44775 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 44532 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | To assist our members in the management of their financial well-being by providing loans, savings accounts, and other financial institution services in a friendly and professional manner. |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 25972 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 25972 |
| IRS990/AllOtherContributionsAmt | 0 | 0 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
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| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Karen Jurasek President |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine2Txt | 0 | Generations Credit Union |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8153162900 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 5618 Harrison Ave |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Rockford |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 611088110 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 311670 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 169548 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
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| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 74337 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 74337 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 4059 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 4059 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContriRptFundraisingEventAmt | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
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| IRS990/CYContributionsGrantsAmt | 0 | 68 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 147330 |
| IRS990/CYOtherExpensesAmt | 0 | 449752 |
| IRS990/CYOtherRevenueAmt | 0 | 163394 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 527808 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 18183 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 370665 |
| IRS990/CYTotalExpensesAmt | 0 | 820417 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 838600 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 28477 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 28477 |
| IRS990/Desc | 0 | Provide a Christmas Savings plan, Fortune Plan, Vacation Plan to 460 members, Provided checking accounts to 704 members, and 232 members had IRA's and/or CD's. Also, provided 1,972 Share Savings Accounts and 813 loans to our members. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 11 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 820417 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FederatedCampaignsAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 19966 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 19966 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 7150 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 7150 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 8441 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Jolene Unangst |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Peter Giacommazzo |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Don Fiedler |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Gary Askegaard |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Joanne Freda Peterson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Randall Freding |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Arron Koch |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Karen Jurasek |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Dale Hillers |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Robert Boyd |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Cora Budden |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | President - Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Chairman of the Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Board Vice Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Secretary of Board |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1944 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/FundraisingAmt | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 12 |
| IRS990/GovernmentGrantsAmt | 0 | 0 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 838600 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
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| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 12318 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 12318 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 4608 |
| IRS990/InterestGrp/TotalAmt | 0 | 4608 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 147330 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 147330 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 5733000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 6959226 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 23498 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 14299 |
| IRS990/IRPDocumentCnt | 0 | 340 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 473191 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 969793 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 945036 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1418227 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembershipDuesAmt | 0 | 68 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/MissionDesc | 0 | To assist our members in the management of their financial well-being by providing quality low cost loans, a variety of savings accounts and other financial institution services in a friendly and professsional manner. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2822048 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2839661 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -570 |
| IRS990/NoncashContributionsAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 54093 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 54093 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 115680 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 115680 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 159927 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 157609 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 41723 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 41723 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpensesGrp/Desc | 2 | ON LINE BRANCH, FRAUD, TRAINING |
| IRS990/OtherExpensesGrp/Desc | 3 | SHARE DRAFT. ATM EXP, CARD SERVICES |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 0 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 42852 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 53931 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 10729 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 59765 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 42852 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 53931 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 10729 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 59765 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 15248834 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 15537186 |
| IRS990/OtherOrganizationDsc | 0 | Cooperative |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | GROUP INSURANCE INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | FEES AND OTHER INCOME |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 12568 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 150826 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 12568 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 150826 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 163394 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 230571 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 230571 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 10080665 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 9736177 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 10152 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 10152 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 22156 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 22156 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 1878 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 1878 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 22662 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 31074 |
| IRS990/PrincipalOfficerNm | 0 | Karen Jurasek |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 527808 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 527808 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Returned 5.2% of gross income to members as a dividend to their savings. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Provided Consumer, Home Equity, New and Used Vehicle Loans to members. In 2019 there was 813 loans granted to members and provided 433 members with Visa Cards. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy3Grp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | 160 new members joined in 2018, while 169 current members left the credit union giving a new membership amount of 1,968 members at the end of the year. (0 0) |
| IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 80 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 115865 |
| IRS990/PYOtherExpensesAmt | 0 | 401390 |
| IRS990/PYOtherRevenueAmt | 0 | 156223 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 522440 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 29883 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 363335 |
| IRS990/PYTotalExpensesAmt | 0 | 764725 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 794608 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 18183 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RelatedOrganizationsAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2822048 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2839661 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 979984 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 505488 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 540938 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 235521 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 776459 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 23860 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 205475 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 229335 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 361945 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 361945 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 18293 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 32195 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 50488 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 7854670 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 2146889 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 15210 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 507386 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 35611 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 104369 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 6 | 2066906 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 7 | 2806145 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARES OF MEMBERS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | CHECKING ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | NON TRADITIONAL CHECKING |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | FORTUNE FUND SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | CHRISTMAS CLUB |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | VACATION CLUB |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 6 | IRA CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 7 | CERTIFICATES |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 6959226 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATES OF DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 945036 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 6959226 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 15537186 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The credit union requires those who have an account for loans or savings to be members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members vote on individuals who will serve on the "Board of Directors" at the annual meeting held each year. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Members must approve changes in by-laws or mergers. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The 990 return is prepared by the credit union's accountant. It is than reviewed and approved by the credit union's president, who is a member of the Board of Directors, for accuracy and completeness prior to submission to the IRS. There is no review by other Board of Directors prior to submission |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | A conflict of interest occurs when a person is an a position to influence the credit union's transactions that may result in a personal gain to himself or a "relative". For this purpose a "relative" is any person who is related to a person by blood, marriage, one whom a person is cohabiting. It is important that the person disclose to the President/CEO as soon as possible the existence of an actual or potential conflict of interest. This is so that a determination can be made as to whether safeguards should be established to protect all parties. Conflicts of interest by members of the board would reviewed by the Chairman of the Board and the Supervisory Committee. If there is a conflict of interest with any of the above, the individual would be prohibited from participating in the governing body's deliberation and decisions in transactions. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The position of "President" for the credit union is reviewed and approved by the "Chairman of the Board" and the "Budget-Operations Committee" concerning the and pay raises for the credit union's president. This was last done in 2018. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The credit union posts on its office bulletin board the "Conflict of Interest" policy. A link to its website is made of the financial statements for public viewing. Other "governing documents" are not made available to the public. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $18,562,989
- Liabilities
- $15,723,328
- Net assets
- $2,839,661
- Revenue
- $838,600
- Expenses
- $820,417
- Net income
- $18,183