Civic Intelligence

American Nickeloid Employees Cu

EIN 36-2351886 • 501(c)14 • LaSalle, IL

Profile

To meet our members financial needs through integrity and quality service.

154 Third StreetLaSalle, IL 61301

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Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

96th percentile

0.93x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

71st percentile

19.11x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

19th percentile

-8.4%

Higher net margin than 19% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

17th percentile

$36,608

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 6.9% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

18th percentile

-5.2%

Faster asset growth than 18% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

36th percentile

2.5%

Faster revenue growth than 36% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Assets

Down

$10,832,779

Down $597,824 (-5.2%) from 2023

Liabilities

Down

$10,122,385

Down $553,502 (-5.2%) from 2023

Net Assets

Down

$710,394

Down $44,322 (-5.9%) from 2023

Revenue

Up

$529,817

Up $12,928 (+2.5%) from 2023

Expenses

Up

$574,139

Up $24,190 (+4.4%) from 2023

Net Income

Down

-$44,322

Down $11,262 (-34%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $10,768,052Liabilities 2010: $9,645,262Net Assets 2010: $1,122,7902010Assets 2011: $10,047,538Liabilities 2011: $8,837,628Net Assets 2011: $1,209,9102011Assets 2012: $10,564,236Liabilities 2012: $9,272,983Net Assets 2012: $1,291,2532012Assets 2013: $10,147,537Liabilities 2013: $8,779,720Net Assets 2013: $1,367,8172013Assets 2014: $11,517,643Liabilities 2014: $9,648,697Net Assets 2014: $1,868,9462014Assets 2016: $11,788,838Liabilities 2016: $10,050,050Net Assets 2016: $1,738,7882016Assets 2018: $12,483,348Liabilities 2018: $11,044,895Net Assets 2018: $1,438,4532018Assets 2019: $12,156,706Liabilities 2019: $10,807,378Net Assets 2019: $1,349,3282019Assets 2020: $12,103,313Liabilities 2020: $10,841,389Net Assets 2020: $1,261,9242020Assets 2021: $12,734,731Liabilities 2021: $11,457,833Net Assets 2021: $1,276,8982021Assets 2022: $12,477,717Liabilities 2022: $11,298,685Net Assets 2022: $1,179,0322022Assets 2023: $11,430,603Liabilities 2023: $10,675,887Net Assets 2023: $754,7162023Assets 2024: $10,832,779Liabilities 2024: $10,122,385Net Assets 2024: $710,3942024

Highlighted filing

2024

Assets$10,832,779
Liabilities$10,122,385
Net Assets$710,394

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$800K$600K$400K$200K$0-$200KExpenses 2010: $505,5892010Expenses 2011: $347,4452011Expenses 2012: $316,0922012Revenue 2013: $405,596Expenses 2013: $329,032Net Income 2013: $76,5642013Revenue 2014: $367,312Expenses 2014: $367,282Net Income 2014: $302014Revenue 2016: $379,061Expenses 2016: $368,184Net Income 2016: $10,8772016Revenue 2018: $464,688Expenses 2018: $513,530Net Income 2018: -$48,8422018Revenue 2019: $492,626Expenses 2019: $581,751Net Income 2019: -$89,1252019Revenue 2020: $501,014Expenses 2020: $588,418Net Income 2020: -$87,4042020Revenue 2021: $523,587Expenses 2021: $508,613Net Income 2021: $14,9742021Revenue 2022: $584,045Expenses 2022: $681,911Net Income 2022: -$97,8662022Revenue 2023: $516,889Expenses 2023: $549,949Net Income 2023: -$33,0602023Revenue 2024: $529,817Expenses 2024: $574,139Net Income 2024: -$44,3222024

Highlighted filing

2024

Revenue$529,817
Expenses$574,139
Net Income-$44,322

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$10.8$10.1$0.71$0.53$0.57$0.04
2023Detailed filing. Detailed filing data is available for this year.$11.4$10.7$0.75$0.52$0.55$0.03
2022Detailed filing. Detailed filing data is available for this year.$12.5$11.3$1.18$0.58$0.68$0.10
2021Detailed filing. Detailed filing data is available for this year.$12.7$11.5$1.28$0.52$0.51$0.01
2020Detailed filing. Detailed filing data is available for this year.$12.1$10.8$1.26$0.50$0.59$0.09
2019Detailed filing. Detailed filing data is available for this year.$12.2$10.8$1.35$0.49$0.58$0.09
2018Detailed filing. Detailed filing data is available for this year.$12.5$11.0$1.44$0.46$0.51$0.05
2016Detailed filing. Detailed filing data is available for this year.$11.8$10.1$1.74$0.38$0.37$0.01
2014Detailed filing. Detailed filing data is available for this year.$11.5$9.65$1.87$0.37$0.37$0.00
2013Detailed filing. Detailed filing data is available for this year.$10.1$8.78$1.37$0.41$0.33$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.6$9.27$1.29$0.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.0$8.84$1.21$0.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$9.65$1.12$0.51
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$529,817
Mission and Program Overview

Mission

To meet our members financial needs through integrity and quality service.

To meet our members financial needs through integrity and quality service

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,614,938$4,703,959▼ $910,979
Investments Other Securities$3,713,841$3,968,171▲ $254,330
Savings and Temporary Cash Investments$1,328,641$1,414,375▲ $85,734
Rtn Earn Endowment Incm Other Fnds$754,716$710,394▼ $44,322
Land, Buildings, and Equipment, Net$559,880$547,604▼ $12,276
Cash and Non-Interest-Bearing Accounts$80,159$62,974▼ $17,185
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,430,603$10,832,779▼ $597,824
Other Assets Total$133,144$135,696▲ $2,552
Liabilities
Other Liabilities$10,626,633$10,086,883▼ $539,750
Accounts Payable and Accrued Expenses$49,254$35,502▼ $13,752
Total Liabilities$10,675,887$10,122,385▼ $553,502
Net Assets / Fund Balance
Total Net Assets Fund Balance$754,716$710,394▼ $44,322
Total Liabilities and Net Assets / Fund Balance$11,430,603$10,832,779▼ $597,824

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$422,580$150,410$572,990
Land$119,300-$119,300
Leasehold Improvements$5,724$30,976$36,700
Other Securities$3,968,171--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Wanda BunzellManagerFT$36,608$36,608

Board Members and Trustees

NameTitle
Corey DouglasChairperson
Joel KarunVice Chairperson
Blake FrundDirector
Greg SarverDirector
Jeremy ReedDirector
Linda TonelliDirector
Ray GatzaDirector
Susan JonesDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$389,098
Investment Income
$140,719
Other Revenue
$0
Change in Net Assets
$-44,322

Audited Revenue Reconciliation

Revenue per Audited Statements
$529,817
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$529,817
Total Revenue per Form 990
$529,817
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$387,552
Salaries, Compensation, and Employee Benefits$186,587
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$132,000
Office Expenses---$84,954
Current Officers, Directors, Trustees, and Key Employees---$36,608
Occupancy---$28,043
Fees for Services Accounting---$24,324
Depreciation Depletion---$16,443
Payroll Taxes---$16,193
Other Expenses---$8,332
Pension Plan Contributions---$1,786
Advertising---$598
Interest---$329
All Other Expenses---$-934
Total Functional Expenses$0$0$0$574,139

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$574,139
Total Expenses per Audited Statements$574,139
Total Expenses per Form 990$574,139
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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 share accounts$10,086,883
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 2

Family relationship

Form 990, Part VI, Section A, line 6

The Credit Union is a member owned financial institution.

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

The governing body is elected from and by the membership.

Form 990, Part VI, Section A, line 7B

From time to time, certain decisions will be presented to the membership for a vote, which are determined on a case by case basis.

Form 990, Part VI, Section B, line 11B

Copies of the final form 990 and schedules were made available to each board member prior to being filed with the IRS. Board members were asked to review the return individually and to contact the prepaper, other board members or executive officers with any questions or concerns.

Form 990, Part VI, Section B, line 12

Board members review the conflict interest policy on an annual basis and disclose any conflicts.

Form 990, Part VI, Section C, line 19

They are available upon request at the main office.

Filing and Contact Details

Filer

Filer Name
American Nickeloid Employees CU
EIN
36-2351886
Phone
8152238410
Address
154 Third Street, LaSalle, IL 61301

Signing Officer

Name
Wanda Bunzell
Title
Manager
Phone
8152238410
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Wanda Bunzell
Formed
1956
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
12
Volunteers
9

Preparer

Firm
Eck Schafer & Punke Llp
Address
227 S Seventh Street, Springfield, IL 62701
Preparer
Brent Leach
Phone
2175251111
Supplemental Narrative

Financial Statement Notes

Part X, Line 2:

The Credit Union follows accounting principles generally accepted in the United States of America which sets a minimum threshold for financial statement recognition for the benefit of a tax position taken or expected to be taken in a tax return. Tax positions for the open tax years as of December 31, 2024 were reviewed and it was determined that no provision for uncertain tax positions is required.

Raw XML Appendix364 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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IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0754716
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0710394
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01328641
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01414375
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0422580
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0150410
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0572990
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0574139
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0119300
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0119300
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt05724
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt030976
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt036700
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010086883
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member share accounts
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03968171
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Municipal bonds
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0529817
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Credit Union follows accounting principles generally accepted in the United States of America which sets a minimum threshold for financial statement recognition for the benefit of a tax position taken or expected to be taken in a tax return. Tax positions for the open tax years as of December 31, 2024 were reviewed and it was determined that no provision for uncertain tax positions is required.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0547604
IRS990ScheduleD/TotalBookValueSecuritiesAmt03968171
IRS990ScheduleD/TotalExpensesPerForm990Amt0574139
IRS990ScheduleD/TotalLiabilityAmt010086883
IRS990ScheduleD/TotalRevenuePerForm990Amt0529817
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0529817
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0574139
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Family relationship
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Credit Union is a member owned financial institution.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The governing body is elected from and by the membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3From time to time, certain decisions will be presented to the membership for a vote, which are determined on a case by case basis.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Copies of the final form 990 and schedules were made available to each board member prior to being filed with the IRS. Board members were asked to review the return individually and to contact the prepaper, other board members or executive officers with any questions or concerns.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Board members review the conflict interest policy on an annual basis and disclose any conflicts.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6They are available upon request at the main office.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 12
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0IL
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011430603
IRS990/TotalAssetsEOYAmt010832779
IRS990/TotalAssetsGrp/BOYAmt011430603
IRS990/TotalAssetsGrp/EOYAmt010832779
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/TotalAmt0574139
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010675887
IRS990/TotalLiabilitiesEOYAmt010122385
IRS990/TotalLiabilitiesGrp/BOYAmt010675887
IRS990/TotalLiabilitiesGrp/EOYAmt010122385
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0754716
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0710394
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0389098
IRS990/TotalReportableCompFromOrgAmt036608
IRS990/TotalRevenueGrp/ExclusionAmt0140719
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0389098
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0529817
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011430603
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010832779
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0154 Third Street
IRS990/USAddress/CityNm0LaSalle
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061301
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0NA
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Wanda Bunzell
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum08152238410
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0American Nickeloid Employees CU
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0dba Anco Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0AMER
ReturnHeader/Filer/EIN0362351886
ReturnHeader/Filer/PhoneNum08152238410
ReturnHeader/Filer/USAddress/AddressLine1Txt0154 Third Street
ReturnHeader/Filer/USAddress/CityNm0LaSalle
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061301
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0371335003
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ECK SCHAFER & PUNKE LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0227 S Seventh Street
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Springfield
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd062701
ReturnHeader/PreparerPersonGrp/PhoneNum02175251111
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Brent Leach
ReturnHeader/ReturnTs02025-05-15T15:03:12-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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