Civic Intelligence

Commonwealth Credit Union

990 • Fiscal year 2012 • EIN 36-2424927

Jan 01, 2012 to Dec 31, 2012 • Filed on Mar 29, 2013

Organization ProfileCWCU.COM

View Organization Page

P O Box 38060914
Siviq Scores

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

Liabilities / Assets

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

79th percentile

8.9%

Faster asset growth than 79% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$67,512,388

Up $5,515,478 (+8.9%) from 2011

Net Assets

Down

$6,549,067

Down $36,361 (-0.6%) from 2011

Liabilities

Up

$60,963,321

Up $5,551,839 (+10%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,857,139

Down $79,765 (-2.7%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth79th percentile

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

$150M$100M$50M$0Assets 2010: $61,394,031Liabilities 2010: $54,630,183Net Assets 2010: $6,763,8482010Assets 2011: $61,996,910Liabilities 2011: $55,411,482Net Assets 2011: $6,585,4282011Assets 2012: $67,512,388Liabilities 2012: $60,963,321Net Assets 2012: $6,549,0672012Assets 2013: $69,062,211Liabilities 2013: $61,944,601Net Assets 2013: $7,117,6102013Assets 2014: $73,867,220Liabilities 2014: $66,640,967Net Assets 2014: $7,226,2532014Assets 2015: $76,655,958Liabilities 2015: $69,443,082Net Assets 2015: $7,212,8762015Assets 2016: $78,272,315Liabilities 2016: $70,951,107Net Assets 2016: $7,321,2082016Assets 2017: $79,742,472Liabilities 2017: $72,164,780Net Assets 2017: $7,577,6922017Assets 2018: $82,463,867Liabilities 2018: $73,604,266Net Assets 2018: $8,859,6012018Assets 2019: $84,998,155Liabilities 2019: $75,551,455Net Assets 2019: $9,446,7002019Assets 2020: $97,013,268Liabilities 2020: $87,183,573Net Assets 2020: $9,829,6952020Assets 2021: $107,784,960Liabilities 2021: $96,917,382Net Assets 2021: $10,867,5782021Assets 2022: $118,201,063Liabilities 2022: $106,551,206Net Assets 2022: $11,649,8572022Assets 2023: $116,608,531Liabilities 2023: $103,810,410Net Assets 2023: $12,798,1212023Assets 2024: $118,326,005Liabilities 2024: $104,120,271Net Assets 2024: $14,205,7342024

Highlighted filing

2012

Assets$67,512,388
Liabilities$60,963,321
Net Assets$6,549,067
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0Expenses 2010: $3,244,2262010Expenses 2011: $2,936,9042011Expenses 2012: $2,857,1392012Revenue 2013: $3,044,543Expenses 2013: $2,868,828Net Income 2013: $175,7152013Revenue 2014: $2,930,200Expenses 2014: $2,679,702Net Income 2014: $250,4982014Revenue 2015: $2,947,709Expenses 2015: $2,796,829Net Income 2015: $150,8802015Revenue 2016: $3,025,671Expenses 2016: $2,861,971Net Income 2016: $163,7002016Revenue 2017: $3,340,395Expenses 2017: $3,020,234Net Income 2017: $320,1612017Revenue 2018: $3,664,953Expenses 2018: $3,168,484Net Income 2018: $496,4692018Revenue 2019: $4,126,981Expenses 2019: $3,444,117Net Income 2019: $682,8642019Revenue 2020: $3,812,813Expenses 2020: $3,378,213Net Income 2020: $434,6002020Revenue 2021: $4,169,993Expenses 2021: $3,295,023Net Income 2021: $874,9702021Revenue 2022: $4,135,024Expenses 2022: $3,437,216Net Income 2022: $697,8082022Revenue 2023: $5,142,679Expenses 2023: $4,053,135Net Income 2023: $1,089,5442023Revenue 2024: $5,885,489Expenses 2024: $4,576,283Net Income 2024: $1,309,2062024

Highlighted filing

2012

Revenue-
Expenses$2,857,139
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Mar 29, 2013
Return Version
2012v2.1
Gross Receipts
$3,003,837
Mission and Program Overview

Mission

Commonwealth credit union, building lifelong relationships one member at a time.

Filing and Contact Details

Filer

EIN
36-2424927
Raw XML Appendix375 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
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY0586978
IRS990/AccountsPayableAccruedExpenses/EOY0725091
IRS990/AccountsReceivable/BOY0118342
IRS990/AccountsReceivable/EOY0127995
IRS990/ActivitiesConductedPartnership0false
IRS990/ActivityOrMissionDescription0COMMONWEALTH CREDIT UNION, BUILDING LIFELONG RELATIONSHIPS ONE MEMBER AT A TIME.
IRS990/AddressPrincipalOfficerUS/AddressLine10563 WM LATHAM
IRS990/AddressPrincipalOfficerUS/City0BOURBONNAIS
IRS990/AddressPrincipalOfficerUS/State0IL
IRS990/AddressPrincipalOfficerUS/ZIPCode060914
IRS990/Advertising/Total039012
IRS990/AllOtherExpenses/Total0198744
IRS990/AuditCommittee0false
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0753043
IRS990/CashNonInterestBearing/EOY01141621
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total092862
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0false
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total026090
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0false
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total0116607
IRS990/DescribedIn501C30false
IRS990/Description0COMMONWEALTH CREDIT UNION SERVES MEMBERS IN KANKAKEE, FORD, WILL AND IROQUOIS COUNTIES IN ILLINOIS BY PROVIDING LOW COST FINANCIAL SERVICES.
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total019450
IRS990/FeesForServicesLegal/Total012110
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek11.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek21.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek41.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek51.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek61.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek740.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/NamePerson0BETTY DRECHSEL
IRS990/Form990PartVIISectionA/NamePerson1KENNETH TOUSIGNANT
IRS990/Form990PartVIISectionA/NamePerson2DAVID CAGLE
IRS990/Form990PartVIISectionA/NamePerson3JOHN BRACK JR
IRS990/Form990PartVIISectionA/NamePerson4CARL CAVITT
IRS990/Form990PartVIISectionA/NamePerson5RICK MANUEL
IRS990/Form990PartVIISectionA/NamePerson6H RALPH MARQUIS
IRS990/Form990PartVIISectionA/NamePerson7RAEANN LOVE
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/Officer3X
IRS990/Form990PartVIISectionA/Officer4X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization792862
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/Title0DIRECTOR
IRS990/Form990PartVIISectionA/Title1CHAIRPERSON
IRS990/Form990PartVIISectionA/Title2TREASURER
IRS990/Form990PartVIISectionA/Title3VICE CHAIRPE
IRS990/Form990PartVIISectionA/Title4DIRECTOR
IRS990/Form990PartVIISectionA/Title5SECRETARY
IRS990/Form990PartVIISectionA/Title6DIRECTOR
IRS990/Form990PartVIISectionA/Title7PRESIDENT/CE
IRS990/Form990ProvidedToGoverningBody0false
IRS990/FormersListed0false
IRS990/FSAudited0true
IRS990/FSAuditedBasis/FinancialStatementSeparate0X
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts03003837
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0true
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/Insurance/Total069834
IRS990/Interest/Total0227266
IRS990/InvestmentIncomeCurrentYear0125913
IRS990/InvestmentIncome/ExclusionAmount0125913
IRS990/InvestmentIncomePriorYear0253528
IRS990/InvestmentIncome/TotalRevenueColumn0125913
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsPubTradedSecurities/BOY09196
IRS990/InvestmentsPubTradedSecurities/EOY08192
IRS990/LandBldgEquipmentAccumDeprec01932235
IRS990/LandBuildingsEquipmentBasis04069151
IRS990/LandBuildingsEquipmentBasisNet/BOY02225083
IRS990/LandBuildingsEquipmentBasisNet/EOY02136916
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0true
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0COMMONWEALTH CREDIT UNION, BUILDING LIFELONG RELATIONSHIPS ONE MEMBER AT A TIME.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0RAEANN LOVE
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY06585428
IRS990/NetAssetsOrFundBalancesEOY06549067
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith109601400
IRS990/NumberIndependentVotingMembers07
IRS990/NumberOfEmployees033
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total0102539
IRS990/OfficeExpenses/Total0160324
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY01649809
IRS990/OtherAssetsTotal/EOY01545445
IRS990/OtherEmployeeBenefits/Total0106943
IRS990/OtherExpensePriorYear01792222
IRS990/OtherExpensesCurrentYear01580771
IRS990/OtherExpenses/Description0STMT LOAN DATA PROCESSING
IRS990/OtherExpenses/Description1CARD EXPENSE
IRS990/OtherExpenses/Description2PROVISION LOAN LOSS
IRS990/OtherExpenses/Description3ATM INTERCHANGE FEES
IRS990/OtherExpenses/Total0267143
IRS990/OtherExpenses/Total1151098
IRS990/OtherExpenses/Total2114865
IRS990/OtherExpenses/Total368854
IRS990/OtherLiabilities/BOY054824504
IRS990/OtherLiabilities/EOY060238230
IRS990/OtherNotesLoansReceivableNet/BOY044436480
IRS990/OtherNotesLoansReceivableNet/EOY052960120
IRS990/OtherRevenueCurrentYear042651
IRS990/OtherRevenueMisc/Description0OTHER REVENUE
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome042651
IRS990/OtherRevenueMisc/TotalRevenueColumn042651
IRS990/OtherRevenuePriorYear0107934
IRS990/OtherSalariesAndWages/Total0850471
IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/Total071124
IRS990/PensionPlanContributions/Total0154968
IRS990/PoliciesReferenceChapters0true
IRS990/PoliticalActivities0true
IRS990/PrepaidExpensesDeferredCharges/BOY096764
IRS990/PrepaidExpensesDeferredCharges/EOY0141207
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenueCY02835273
IRS990/ProgramServiceRevenue/Description0LOAN INTEREST
IRS990/ProgramServiceRevenue/Description1SERVICE FEES
IRS990/ProgramServiceRevenuePriorYear02673103
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome02144984
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome1690289
IRS990/ProgramServiceRevenue/TotalRevenueColumn02144984
IRS990/ProgramServiceRevenue/TotalRevenueColumn1690289
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationOtherChanges0-183088
IRS990/ReconcilationRevenueExpenses0146698
IRS990/ReconciliationUnrealizedInvest029
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY06585428
IRS990/RetainedEarningsEndowmentEtc/EOY06549067
IRS990/RevenuesLessExpensesCY0146698
IRS990/RevenuesLessExpensesPriorYear097661
IRS990/SalariesEtcCurrentYear01276368
IRS990/SalariesEtcPriorYear01144682
IRS990/SavingsAndTempCashInvestments/BOY012708193
IRS990/SavingsAndTempCashInvestments/EOY09450892
IRS990/ScheduleBRequired0false
IRS990ScheduleC/AmtOfInternalFundsContributed02650
IRS990ScheduleC/Form1120PolFiled0true
IRS990ScheduleC/Form990ScheduleCPartIV/Explanation0COMMONWEALTH CREDIT UNION IS A MEMBER OF CUPAC (CREDIT UNION POLITICAL ACTION COUNCIL). CONTRIBUTIONS ARE SENT TO CUPAC THAT ARE THEN USED INDIRECTLY FOR POLITICAL ACTIVITIES.
IRS990ScheduleC/Form990ScheduleCPartIV/Explanation1THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO CUPAC THAT IS REPORTED IN PARTS I-A AND I-C OF THIS SCHEDULE C.
IRS990ScheduleC/Form990ScheduleCPartIV/Identifier0ADDITIONAL INFORMATION
IRS990ScheduleC/Form990ScheduleCPartIV/ReturnReference0SCHEDULE C, PART I-A, LINE 1
IRS990ScheduleC/Form990ScheduleCPartIV/ReturnReference1SCHEDULE C, PART IV
IRS990ScheduleC/PoliticalExpenditures02650
IRS990ScheduleC/Sec527PolOrgs/AddressUS/AddressLine101807 WEST DIEHL ROAD
IRS990ScheduleC/Sec527PolOrgs/AddressUS/AddressLine20PO BOX 3107
IRS990ScheduleC/Sec527PolOrgs/AddressUS/City0NAPERVILLE
IRS990ScheduleC/Sec527PolOrgs/AddressUS/State0IL
IRS990ScheduleC/Sec527PolOrgs/AddressUS/ZIPCode0605667107
IRS990ScheduleC/Sec527PolOrgs/AmtPdFromInternalFunds02650
IRS990ScheduleC/Sec527PolOrgs/EIN0363092340
IRS990ScheduleC/Sec527PolOrgs/NameOf527Organization/BusinessNameLine10CREDIT UNION POLITICAL ACTION COUNC
IRS990ScheduleC/TotalExmptFunctionExpenditures02650
IRS990ScheduleD/Buildings/BookValue01287078
IRS990ScheduleD/Buildings/Depreciation01260016
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis02547094
IRS990ScheduleD/Equipment/BookValue0266607
IRS990ScheduleD/Equipment/Depreciation0672219
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0938826
IRS990ScheduleD/ExpensesSubtotal02857139
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0OTHER COMPREHENSIVE INCOME -183,088
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0REVENUE AMOUNTS INCLUDED IN FINANCIALS - OTHER
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/Land/BookValue0583231
IRS990ScheduleD/Land/OtherCostOrOtherBasis0583231
IRS990ScheduleD/NetUnrealizedGainsInvestments029
IRS990ScheduleD/OtherLiabilities/Amount060238230
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherRevenues0-183088
IRS990ScheduleD/RevenueNotRptdF9900-183059
IRS990ScheduleD/RevenueSubtotal03003837
IRS990ScheduleD/TotalExpensesPerForm99002857139
IRS990ScheduleD/TotalOfAmounts060238230
IRS990ScheduleD/TotalOfBookValueLandBuildings02136916
IRS990ScheduleD/TotalRevenuePerForm99003003837
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt02857139
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt02820778
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS A STATE OF ILLINOIS CHARTERED CREDIT UNION. MEMBERSHIP IS OPEN TO ANYONE LIVING IN KANKAKEE, FORD, WILL OR IROQUOIS COUNTIES.
IRS990ScheduleO/GeneralExplanation/Explanation1THE GOVERNING BODY IS MADE FROM INDIVIDUALS OF THE MEMBERSHIP. THE MEMBERSHIP BODY ELECTS INDIVIDUALS TO BE ON THE BOARD.
IRS990ScheduleO/GeneralExplanation/Explanation2MANAGEMENT REVIEWS THE 990 BEFORE SIGNING.
IRS990ScheduleO/GeneralExplanation/Explanation3THE BOARD MEMBERS ARE INFORMED WHEN THEY TAKE OFFICE AND ONCE A YEAR AFTER THAT THAT THEY MUST INFORM THE BOARD OF ANY CONFLICT OF INTEREST WHEN IT APPEARS. THIS IS NOT A WRITTEN POLICY, BUT IS COMMUNICATED VERBALLY.
IRS990ScheduleO/GeneralExplanation/Explanation4COMPENSATION OF TOP MANAGEMENT OFFICIALS INCLUDES A REVIEW AND APPROVAL BY INDEPENDENT PERSONS, COMPARABILITY DATA WHICH IS RECORDED IN THE MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation5GOVERNING DOCUMENTS ARE MADE AVAILABLE BY MEANS OF A BULLETIN BOARD AT THE CREDIT UNION AND AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation6LINE 5 - OTHER CHANGES IN NET ASSETS OTHER COMPREHENSIVE INCOME - NET PENSION OBLIGATION
IRS990ScheduleO/GeneralExplanation/Explanation7OTHER COMPREHENSIVE INCOME -183,088
IRS990ScheduleO/GeneralExplanation/Identifier0CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier1ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier2ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier3ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier4COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier5GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier6ADDITIONAL INFORMATION
IRS990ScheduleO/GeneralExplanation/Identifier7RECONCILIATION OF CHANGES - OTHER
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART XI
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XI, LINE 9
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0IL
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10563 WM LATHAM DR
IRS990/TheBooksAreInCareOf/AddressUS/City0BOURBONNAIS
IRS990/TheBooksAreInCareOf/AddressUS/State0IL
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode060914
IRS990/TheBooksAreInCareOf/NamePerson0RAEANN LOVE
IRS990/TheBooksAreInCareOf/TelephoneNumber08159377447
IRS990/TotalAssets/BOY061996910
IRS990/TotalAssetsBOY061996910
IRS990/TotalAssets/EOY067512388
IRS990/TotalAssetsEOY067512388
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear02857139
IRS990/TotalExpensesPriorYear02936904
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total02857139
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY055411482
IRS990/TotalLiabilitiesBOY055411482
IRS990/TotalLiabilities/EOY060963321
IRS990/TotalLiabilitiesEOY060963321
IRS990/TotalLiabNetAssetsFundBalances/BOY061996910
IRS990/TotalLiabNetAssetsFundBalances/EOY067512388
IRS990/TotalNbrEmployees033
IRS990/TotalNetAssetsFundBalances/BOY06585428
IRS990/TotalNetAssetsFundBalances/EOY06549067
IRS990/TotalOtherRevenue042651
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue02835273
IRS990/TotalReportableCompFromOrg092862
IRS990/TotalRevenueCurrentYear03003837
IRS990/TotalRevenue/ExclusionAmount0125913
IRS990/TotalRevenuePriorYear03034565
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02877924
IRS990/TotalRevenue/TotalRevenueColumn03003837
IRS990/Travel/Total06835
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0HTTP://CWCU.COOP/ASP/HOME.ASP
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01951
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0362424927
ReturnHeader/Filer/Name/BusinessNameLine10COMMONWEALTH CREDIT UNION
ReturnHeader/Filer/NameControl0COMM
ReturnHeader/Filer/Phone08159377447
ReturnHeader/Filer/USAddress/AddressLine10P O BOX 380
ReturnHeader/Filer/USAddress/City0BOURBONNAIS
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode060914
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-03-29
ReturnHeader/Officer/Name0RAEANN LOVE
ReturnHeader/Officer/Phone08159377447
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/Preparer/DatePrepared02013-03-29
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10SMITH KOELLING DYKSTRA & OHM PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine101605 N CONVENT
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0BOURBONNAIS
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0IL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode060914
ReturnHeader/Preparer/Name0MARCIE MEENTS KOLBERG
ReturnHeader/Preparer/Phone08159371997
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-04-03T17:05:13-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$67,512,388
Liabilities
$60,963,321
Net assets
$6,549,067
Revenue
-
Expenses
$2,857,139
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$118$104$14.2$5.89$4.58$1.31
2023Detailed filing. Detailed filing data is available for this year.$117$104$12.8$5.14$4.05$1.09
2022Detailed filing. Detailed filing data is available for this year.$118$107$11.6$4.14$3.44$0.70
2021Detailed filing. Detailed filing data is available for this year.$108$96.9$10.9$4.17$3.30$0.87
2020Detailed filing. Detailed filing data is available for this year.$97.0$87.2$9.83$3.81$3.38$0.43
2019Detailed filing. Detailed filing data is available for this year.$85.0$75.6$9.45$4.13$3.44$0.68
2018Detailed filing. Detailed filing data is available for this year.$82.5$73.6$8.86$3.66$3.17$0.50
2017Detailed filing. Detailed filing data is available for this year.$79.7$72.2$7.58$3.34$3.02$0.32
2016Detailed filing. Detailed filing data is available for this year.$78.3$71.0$7.32$3.03$2.86$0.16
2015Detailed filing. Detailed filing data is available for this year.$76.7$69.4$7.21$2.95$2.80$0.15
2014Detailed filing. Detailed filing data is available for this year.$73.9$66.6$7.23$2.93$2.68$0.25
2013Detailed filing. Detailed filing data is available for this year.$69.1$61.9$7.12$3.04$2.87$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.5$61.0$6.55$2.86
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.0$55.4$6.59$2.94
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.4$54.6$6.76$3.24