Civic Intelligence

Maternity Bvm Credit Union

990 • Fiscal year 2013 • EIN 36-2406571

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 28, 2014

Organization ProfileMBVMCU.COM
PO Box 5660914

(815) 932-7131

Siviq Scores

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

Liabilities / Assets

66th percentile

0.89x

Higher debt load relative to assets than 66% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

96th percentile

37.42x

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

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

58th percentile

6.1%

Higher net margin than 58% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

20th percentile

$44,555

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 16.5% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

92nd percentile

8.8%

Faster asset growth than 92% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$11,395,950

Up $918,089 (+8.8%) from 2012

Net Assets

Up

$1,272,504

Up $16,564 (+1.3%) from 2012

Liabilities

Up

$10,123,446

Up $901,525 (+9.8%) from 2012

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin58th percentile

Revenue

$270,564

No earlier filing loaded for comparison.

Expenses

Down

$254,000

Down $5,454 (-2.1%) from 2012

Net Income

$16,564

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.

$15M$10M$5.0M$0Assets 2012: $10,477,861Liabilities 2012: $9,221,921Net Assets 2012: $1,255,9402012Assets 2013: $11,395,950Liabilities 2013: $10,123,446Net Assets 2013: $1,272,5042013Assets 2014: $11,406,335Liabilities 2014: $10,125,876Net Assets 2014: $1,280,4592014Assets 2015: $11,279,463Liabilities 2015: $9,973,222Net Assets 2015: $1,306,2412015Assets 2016: $11,274,641Liabilities 2016: $9,957,960Net Assets 2016: $1,316,6812016Assets 2017: $11,453,069Liabilities 2017: $10,113,344Net Assets 2017: $1,339,7252017Assets 2018: $11,639,138Liabilities 2018: $10,296,767Net Assets 2018: $1,342,3712018Assets 2019: $11,848,242Liabilities 2019: $10,495,157Net Assets 2019: $1,353,0852019Assets 2021: $13,383,382Liabilities 2021: $11,924,662Net Assets 2021: $1,458,7202021Assets 2022: $13,531,983Liabilities 2022: $12,058,318Net Assets 2022: $1,473,6652022Assets 2024: $12,373,170Liabilities 2024: $10,930,786Net Assets 2024: $1,442,3842024

Highlighted filing

2013

Assets$11,395,950
Liabilities$10,123,446
Net Assets$1,272,504
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2012: $259,4542012Revenue 2013: $270,564Expenses 2013: $254,000Net Income 2013: $16,5642013Revenue 2014: $257,950Expenses 2014: $249,995Net Income 2014: $7,9552014Revenue 2015: $263,408Expenses 2015: $237,626Net Income 2015: $25,7822015Revenue 2016: $265,076Expenses 2016: $254,636Net Income 2016: $10,4402016Revenue 2017: $283,819Expenses 2017: $260,775Net Income 2017: $23,0442017Revenue 2018: $294,672Expenses 2018: $292,026Net Income 2018: $2,6462018Revenue 2019: $320,362Expenses 2019: $309,648Net Income 2019: $10,7142019Revenue 2021: $364,456Expenses 2021: $288,697Net Income 2021: $75,7592021Revenue 2022: $451,936Expenses 2022: $436,991Net Income 2022: $14,9452022Revenue 2024: $471,728Expenses 2024: $505,774Net Income 2024: -$34,0462024

Highlighted filing

2013

Revenue$270,564
Expenses$254,000
Net Income$16,564
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 28, 2014
Return Version
2013v3.1
Gross Receipts
$275,461
Mission and Program Overview

Mission

Maternity bvm credit union is a member owned financial institution. Our mission is to provide our members with the best service possible. We are a family, working together toward financial success, one member at a time.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$6,323,932$7,085,929▲ $761,997
Other Notes and Loans Receivable, Net$3,849,309$3,967,118▲ $117,809
Rtn Earn Endowment Incm Other Fnds$1,255,940$1,272,504▲ $16,564
Investments in Publicly Traded Securities$98,191$98,737▲ $546
Land, Buildings, and Equipment, Net$22,988$64,012▲ $41,024
Cash and Non-Interest-Bearing Accounts$56,598$57,260▲ $662
Accounts Receivable$28,072$25,919▼ $2,153
Prepaid Expenses and Deferred Charges$8,596$5,048▼ $3,548
Total Assets$10,477,861$11,395,950▲ $918,089
Other Assets Total$90,175$91,927▲ $1,752
Liabilities
Other Liabilities$9,192,738$10,092,766▲ $900,028
Accounts Payable and Accrued Expenses$29,183$30,680▲ $1,497
Total Liabilities$9,221,921$10,123,446▲ $901,525
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,255,940$1,272,504▲ $16,564
Total Liabilities and Net Assets / Fund Balance$10,477,861$11,395,950▲ $918,089

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,447$93,733$105,180
Equipment$42,565$47,699$90,264
Land$10,000-$10,000
Compensation and Service Providers
Top Officer Pay20th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lisa LillisTreasurerFT$44,555$44,555
Audrey KyrouacDirectorFT$42,073$42,073

Board Members and Trustees

NameTitle
Michael HildebrandChairman
David AndersonVice Chairpe
Christopher BurnsDirector
Marsha SaathoffDirector
Cheryl BurnsSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$150,326
Investment Income
$119,495
Other Revenue
$743
Change in Net Assets
$16,564

Audited Revenue Reconciliation

Revenue per Audited Statements
$275,461
Revenue Not Reported on Financial Statements
$-4,897
Other Revenue Adjustments
$-4,897
Total Revenue per Audited Statements
$275,461
Total Revenue per Form 990
$270,564
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$131,053
Salaries, Compensation, and Employee Benefits$122,947
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$98,664
Interest---$55,177
Occupancy---$10,859
Insurance---$10,777
Fees for Services Accounting---$10,672
Other Employee Benefits---$9,044
Information Technology---$8,409
Payroll Taxes---$7,855
Pension Plan Contributions---$7,384
Office Expenses---$6,196
Depreciation Depletion---$5,333
Advertising---$2,918
Conferences and Meetings---$2,484
Fees for Services Legal---$1,847
Other Expenses---$97
Total Functional Expenses$0$0$0$254,000

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$258,897
Expenses per Audited Statements$254,000
Total Expenses per Form 990$254,000
Expenses Not Reported on Form 990$4,897
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
Members Shares$10,092,766
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI

“Line 15a & 15b - compensation process. The governing body performs employee performance reviews and approves compensation rates. Compensation rates are documented in minutes.”

Form 990, Page 6, Part VI, Line 6

“The credit union is a state of illinois chartered credit union. Membership is open to members of maternity bvm church and their family members, members of st. George catholic church and their family members and employees of maternity bvm credit union and their family members. These members are entitled to receive distributions of income based on their share basis and the board approved dividend payable rate. Members elect the members of the governing board at the annual meeting. They also approve any significant decisions of the governing board.”

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

“Management reviews the 990 before signing and submitting the form.”

Form 990, Page 6, Part VI, Line 12C

“The governing body follows il state chartered credit union regulations/statutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are not made available to the public.”

Filing and Contact Details

Filer

EIN
36-2406571
Phone
8159327131

Signing Officer

Name
Lisa Lillis
Title
Treasurer
Phone
8159327131
Signed
2014-03-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lisa Lillis
Formed
1957
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
3

Preparer

Preparer
Marcie Meents Kolberg
Phone
8159371997
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To promote thrift & provide low cost loans to members”

Form 990, Part XI, Line 9

“Rental expense 4,897 rental expense -4,897”

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 4B

“RENTAL EXPENSE -4,897”

Schedule D, Page 4, Part XII, Line 2D

“RENTAL EXPENSE 4,897”

Raw XML Appendix342 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/SupplementalInformationDetail/ExplanationTxt0RENTAL EXPENSE -4,897
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1RENTAL EXPENSE 4,897
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 4B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt064012
IRS990ScheduleD/TotalExpensesPerForm990Amt0254000
IRS990ScheduleD/TotalLiabilityAmt010092766
IRS990ScheduleD/TotalRevenuePerForm990Amt0270564
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0275461
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0258897
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROMOTE THRIFT & PROVIDE LOW COST LOANS TO MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1LINE 15A & 15B - COMPENSATION PROCESS. THE GOVERNING BODY PERFORMS EMPLOYEE PERFORMANCE REVIEWS AND APPROVES COMPENSATION RATES. COMPENSATION RATES ARE DOCUMENTED IN MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS A STATE OF ILLINOIS CHARTERED CREDIT UNION. MEMBERSHIP IS OPEN TO MEMBERS OF MATERNITY BVM CHURCH AND THEIR FAMILY MEMBERS, MEMBERS OF ST. GEORGE CATHOLIC CHURCH AND THEIR FAMILY MEMBERS AND EMPLOYEES OF MATERNITY BVM CREDIT UNION AND THEIR FAMILY MEMBERS. THESE MEMBERS ARE ENTITLED TO RECEIVE DISTRIBUTIONS OF INCOME BASED ON THEIR SHARE BASIS AND THE BOARD APPROVED DIVIDEND PAYABLE RATE. MEMBERS ELECT THE MEMBERS OF THE GOVERNING BOARD AT THE ANNUAL MEETING. THEY ALSO APPROVE ANY SIGNIFICANT DECISIONS OF THE GOVERNING BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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/ExplanationTxt4MANAGEMENT REVIEWS THE 990 BEFORE SIGNING AND SUBMITTING THE FORM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE GOVERNING BODY FOLLOWS IL STATE CHARTERED CREDIT UNION REGULATIONS/STATUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7RENTAL EXPENSE 4,897 RENTAL EXPENSE -4,897
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt010477861
IRS990/TotalAssetsEOYAmt011395950
IRS990/TotalAssetsGrp/BOYAmt010477861
IRS990/TotalAssetsGrp/EOYAmt011395950
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0254000
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09221921
IRS990/TotalLiabilitiesEOYAmt010123446
IRS990/TotalLiabilitiesGrp/BOYAmt09221921
IRS990/TotalLiabilitiesGrp/EOYAmt010123446
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01255940
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01272504
IRS990/TotalProgramServiceRevenueAmt0150326
IRS990/TotalReportableCompFromOrgAmt086628
IRS990/TotalRevenueGrp/ExclusionAmt0120238
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0150326
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0270564
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010477861
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011395950
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10PO BOX 56
IRS990/USAddress/City0BOURBONNAIS
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode060914
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0MBVMCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LISA LILLIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum08159327131
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-28
ReturnHeader/Filer/BusinessName/BusinessNameLine10MATERNITY BVM CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MATE
ReturnHeader/Filer/EIN0362406571
ReturnHeader/Filer/PhoneNum08159327131
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 56
ReturnHeader/Filer/USAddress/City0BOURBONNAIS
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode060914
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10SMITH KOELLING DYKSTRA & OHM PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101605 N CONVENT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0BOURBONNAIS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode060914
ReturnHeader/PreparerPersonGrp/PhoneNum08159371997
ReturnHeader/PreparerPersonGrp/PreparationDt02014-03-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARCIE MEENTS KOLBERG
ReturnHeader/ReturnTs02014-04-01T16:27:34-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,395,950
Liabilities
$10,123,446
Net assets
$1,272,504
Revenue
$270,564
Expenses
$254,000
Net income
$16,564
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$10.9$1.44$0.47$0.51$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.5$12.1$1.47$0.45$0.44$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.4$11.9$1.46$0.36$0.29$0.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.8$10.5$1.35$0.32$0.31$0.01
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$10.3$1.34$0.29$0.29$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.5$10.1$1.34$0.28$0.26$0.02
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.3$9.96$1.32$0.27$0.25$0.01
2015Detailed filing. Detailed filing data is available for this year.$11.3$9.97$1.31$0.26$0.24$0.03
2014Detailed filing. Detailed filing data is available for this year.$11.4$10.1$1.28$0.26$0.25$0.01
2013Detailed filing. Detailed filing data is available for this year.$11.4$10.1$1.27$0.27$0.25$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.5$9.22$1.26$0.26
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $10M-$25M nonprofits