Civic Intelligence

Quad Cities Postal Credit Union

990 • Fiscal year 2020 • EIN 36-2423566

Jan 01, 2020 to Dec 31, 2020 • Filed on Oct 14, 2021

Organization Profilewww.qcpcu.com
4502 27th StreetMoline, IL 61265

(309) 797-1414

Siviq Scores

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

Liabilities / Assets

84th percentile

0.91x

Higher debt load relative to assets than 84% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Liabilities / Revenue

58th percentile

23.11x

Higher debt load relative to revenue than 58% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Net Margin

9th percentile

-16%

Higher net margin than 9% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Top Officer Pay

50th percentile

$51,128

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 17.0% of source-year revenue.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Asset Growth

69th percentile

11%

Faster asset growth than 69% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Revenue Growth

44th percentile

-8.2%

Faster revenue growth than 44% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$7,596,496

Up $771,119 (+11%) from 2019

Net Assets

Down

$653,290

Down $46,772 (-6.7%) from 2019

Liabilities

Up

$6,943,206

Up $817,891 (+13%) from 2019

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin9th percentile

Revenue

Down

$300,499

Down $26,730 (-8.2%) from 2019

Expenses

Down

$347,271

Down $10,695 (-3.0%) from 2019

Net Income

Down

-$46,772

Down $16,035 (-52%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth69th percentile

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

$10M$5.0M$0Assets 2010: $5,847,083Liabilities 2010: $5,157,338Net Assets 2010: $689,7452010Assets 2017: $6,866,567Liabilities 2017: $6,143,384Net Assets 2017: $723,1832017Assets 2018: $6,927,656Liabilities 2018: $6,196,857Net Assets 2018: $730,7992018Assets 2019: $6,825,377Liabilities 2019: $6,125,315Net Assets 2019: $700,0622019Assets 2020: $7,596,496Liabilities 2020: $6,943,206Net Assets 2020: $653,2902020Assets 2021: $8,467,710Liabilities 2021: $7,876,953Net Assets 2021: $590,7572021Assets 2022: $8,213,265Liabilities 2022: $7,860,578Net Assets 2022: $352,6872022

Highlighted filing

2020

Assets$7,596,496
Liabilities$6,943,206
Net Assets$653,290
Open 2020 Filing

Operations Trend

Revenue Growth44th percentile

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

$600K$400K$200K$0-$200K-$400KExpenses 2010: $360,7752010Revenue 2017: $328,710Expenses 2017: $326,328Net Income 2017: $2,3822017Revenue 2018: $332,407Expenses 2018: $324,791Net Income 2018: $7,6162018Revenue 2019: $327,229Expenses 2019: $357,966Net Income 2019: -$30,7372019Revenue 2020: $300,499Expenses 2020: $347,271Net Income 2020: -$46,7722020Revenue 2021: $334,372Expenses 2021: $396,905Net Income 2021: -$62,5332021Revenue 2022: $238,220Expenses 2022: $476,290Net Income 2022: -$238,0702022

Highlighted filing

2020

Revenue$300,499
Expenses$347,271
Net Income-$46,772
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 14, 2021
Return Version
2020v4.0
Gross Receipts
$300,499
Mission and Program Overview

Mission

Credit Union Member Services to assist our members in the management of their financial well being by providing loans savings accounts and other financial institution services in a professional manner.

Credit Union Member Services to assist our members in the management of their financial well-being by providing loans, savings accounts and other financial institution services in a professional manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,201,721$3,577,258▼ $624,463
Savings and Temporary Cash Investments$1,537,365$1,726,176▲ $188,811
Investments Other Securities$467,039$1,640,606▲ $1,173,567
Rtn Earn Endowment Incm Other Fnds$547,563$500,791▼ $46,772
Land, Buildings, and Equipment, Net$329,563$310,083▼ $19,480
Cash and Non-Interest-Bearing Accounts$204,506$257,145▲ $52,639
Pd in Cap Srpls Land Bldg Eqp Fund$152,499$152,499→ $0
Prepaid Expenses and Deferred Charges$11,627$11,375▼ $252
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$6,825,377$7,596,496▲ $771,119
Other Assets Total$73,556$73,853▲ $297
Liabilities
Other Liabilities$6,122,376$6,944,795▲ $822,419
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Accounts Payable and Accrued Expenses$2,939$-1,589▼ $4,528
Total Liabilities$6,125,315$6,943,206▲ $817,891
Net Assets / Fund Balance
Total Net Assets Fund Balance$700,062$653,290▼ $46,772
Total Liabilities and Net Assets / Fund Balance$6,825,377$7,596,496▲ $771,119

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$151,197$114,053$265,250
Equipment$33,886$207,400$241,286
Land$125,000-$125,000
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Other Securities$11,882--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Seth Guss-BellPresidentFT$51,128$51,128
Ashley VirenPresidentFT$17,119$17,119

Board Members and Trustees

NameTitle
Ronald StaggChairman
David GreenwoodVice-Chairman
Mary LappeDirector
Norman SlatenDirector
Pamela GreenDirector
Shaun LomasDirector
Steve LundquistDirector
Jean DePauwSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$279,657
Investment Income
$20,842
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$-46,772
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$205,001
Salaries, Compensation, and Employee Benefits$142,270
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$135,037
Current Officers, Directors, Trustees, and Key Employees---$68,247
Other Salaries and Wages---$63,894
Occupancy---$41,219
Other Expenses---$21,200
Payroll Taxes---$10,129
Advertising---$1,703
Travel---$258
Total Functional Expenses$0$0$0$347,271
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member deposits payable$6,931,766
Accrued property tax$11,528
Interest and dividends payable$238
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The Credit Union has 784 members.”

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

“The Credit Union holds and annual meeting where the Board of Directors are elected.”

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

“Form 990 is completed and reviewed by the President/CEO before filing.”

Form 990, Part VI, Section B, Line 12C

“When a new vendor is added, the board reviews any conflicts at that time.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted monthly in the Credit Union Lobby, detailed financial information is available quarterly on NCUA website, all other information by request at Credit Union.”

Filing and Contact Details

Filer

Filer Name
Quad Cities Postal Credit Union
EIN
36-2423566
Phone
3097971414
Address
4502 27th Street, Moline, IL 61265

Signing Officer

Name
Seth Guss-Bell
Title
President/CEO
Phone
3097971414
Signed
2021-10-14

Organization Details

Principal Officer
Seth Guss-Bell
Formed
1938
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
8
Employees
6
Volunteers
8
Raw XML AppendixShowing 400 of 484 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/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt135558
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt215057
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0229042
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt135558
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt215057
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt042264
IRS990/PYOtherExpensesAmt0204972
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0284965
IRS990/PYRevenuesLessExpensesAmt0-30737
IRS990/PYSalariesCompEmpBnftPaidAmt0152994
IRS990/PYTotalExpensesAmt0357966
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0327229
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-46772
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0300499
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0547563
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0500791
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01537365
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01726176
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0151197
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0114053
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0265250
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt033886
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0207400
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0241286
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt01263
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0125000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0125000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06931766
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1238
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt211528
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member deposits payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Interest and dividends payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Accrued property tax
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01628724
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt111882
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Alloya CCU
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Alloya PCB
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0310083
IRS990ScheduleD/TotalBookValueSecuritiesAmt01640606
IRS990ScheduleD/TotalLiabilityAmt06944795
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt051128
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt117119
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Seth Guss-Bell
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Ashley Viren
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt051128
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt117119
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0Ashley Viren resigned effective March 13, 2020 and was paid her salary through that date.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule J, Part I, Line 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union has 784 members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Credit Union holds and annual meeting where the Board of Directors are elected.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is completed and reviewed by the President/CEO before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3When a new vendor is added, the board reviews any conflicts at that time.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Financial statements are posted monthly in the Credit Union Lobby, detailed financial information is available quarterly on NCUA website, all other information by request at Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,596,496
Liabilities
$6,943,206
Net assets
$653,290
Revenue
$300,499
Expenses
$347,271
Net income
-$46,772
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$8.21$7.86$0.35$0.24$0.48$0.24
2021Detailed filing. Detailed filing data is available for this year.$8.47$7.88$0.59$0.33$0.40$0.06
2020Detailed filing. Detailed filing data is available for this year.$7.60$6.94$0.65$0.30$0.35$0.05
2019Detailed filing. Detailed filing data is available for this year.$6.83$6.13$0.70$0.33$0.36$0.03
2018Detailed filing. Detailed filing data is available for this year.$6.93$6.20$0.73$0.33$0.32$0.01
2017Detailed filing. Detailed filing data is available for this year.$6.87$6.14$0.72$0.33$0.33$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.85$5.16$0.69$0.36