Civic Intelligence

Aurora Policemen Credit Union

EIN 36-2429148 • 501(c)14 • Aurora, IL

View Organization Page

Profile

Illinois state chartered credit union operated for the mutual benefit of its members. The Credit Union makes loans to members and pays dividends to members with share deposits at a competitive rate of interest.

1200 E Indian TrailAurora, IL 60505

www.apcu4u.com

Siviq Scores

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

Liabilities / Assets

47th percentile

0.87x

Higher debt load relative to assets than 47% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

29.12x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

95th percentile

34%

Higher net margin than 95% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

17th percentile

$73,966

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 9.5% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

50th percentile

0.8%

Faster asset growth than 50% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

63rd percentile

12%

Faster revenue growth than 63% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$26,083,165

Up $208,425 (+0.8%) from 2023

Liabilities

Down

$22,564,167

Down $53,616 (-0.2%) from 2023

Net Assets

Up

$3,518,998

Up $262,041 (+8.0%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin95th percentile

Revenue

Up

$774,986

Up $84,557 (+12%) from 2023

Expenses

Up

$512,945

Up $44,240 (+9.4%) from 2023

Net Income

Up

$262,041

Up $40,317 (+18%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$30M$20M$10M$0Assets 2010: $10,349,737Liabilities 2010: $8,550,157Net Assets 2010: $1,799,5802010Assets 2011: $10,768,053Liabilities 2011: $8,921,937Net Assets 2011: $1,846,1162011Assets 2012: $11,550,102Liabilities 2012: $9,632,533Net Assets 2012: $1,917,5692012Assets 2013: $12,310,835Liabilities 2013: $10,325,546Net Assets 2013: $1,985,2892013Assets 2014: $14,147,830Liabilities 2014: $12,073,670Net Assets 2014: $2,074,1602014Assets 2015: $15,516,797Liabilities 2015: $13,384,872Net Assets 2015: $2,131,9252015Assets 2016: $15,768,090Liabilities 2016: $13,584,429Net Assets 2016: $2,183,6612016Assets 2017: $16,377,241Liabilities 2017: $14,116,188Net Assets 2017: $2,261,0532017Assets 2018: $17,163,970Liabilities 2018: $14,737,813Net Assets 2018: $2,426,1572018Assets 2019: $18,852,229Liabilities 2019: $16,210,001Net Assets 2019: $2,642,2282019Assets 2020: $21,926,789Liabilities 2020: $19,136,316Net Assets 2020: $2,790,4732020Assets 2021: $25,130,237Liabilities 2021: $22,183,175Net Assets 2021: $2,947,0622021Assets 2022: $26,129,575Liabilities 2022: $23,094,342Net Assets 2022: $3,035,2332022Assets 2023: $25,874,740Liabilities 2023: $22,617,783Net Assets 2023: $3,256,9572023Assets 2024: $26,083,165Liabilities 2024: $22,564,167Net Assets 2024: $3,518,9982024

Highlighted filing

2024

Assets$26,083,165
Liabilities$22,564,167
Net Assets$3,518,998
Open 2024 Filing

Operations Trend

Revenue Growth63rd percentile

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

$800K$600K$400K$200K$0Expenses 2010: $411,3722010Expenses 2011: $371,7022011Expenses 2012: $336,1942012Revenue 2013: $407,129Expenses 2013: $339,408Net Income 2013: $67,7212013Revenue 2014: $415,147Expenses 2014: $326,277Net Income 2014: $88,8702014Revenue 2015: $398,151Expenses 2015: $340,386Net Income 2015: $57,7652015Revenue 2016: $422,722Expenses 2016: $370,986Net Income 2016: $51,7362016Revenue 2017: $465,715Expenses 2017: $388,323Net Income 2017: $77,3922017Revenue 2018: $553,581Expenses 2018: $388,477Net Income 2018: $165,1042018Revenue 2019: $674,686Expenses 2019: $458,615Net Income 2019: $216,0712019Revenue 2020: $638,551Expenses 2020: $483,775Net Income 2020: $154,7762020Revenue 2021: $596,495Expenses 2021: $439,906Net Income 2021: $156,5892021Revenue 2022: $567,337Expenses 2022: $481,967Net Income 2022: $85,3702022Revenue 2023: $690,429Expenses 2023: $468,705Net Income 2023: $221,7242023Revenue 2024: $774,986Expenses 2024: $512,945Net Income 2024: $262,0412024

Highlighted filing

2024

Revenue$774,986
Expenses$512,945
Net Income$262,041
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,083,165
Liabilities
$22,564,167
Net assets
$3,518,998
Revenue
$774,986
Expenses
$512,945
Net income
$262,041
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$26.1$22.6$3.52$0.77$0.51$0.26
2023Detailed filing. Detailed filing data is available for this year.$25.9$22.6$3.26$0.69$0.47$0.22
2022Detailed filing. Detailed filing data is available for this year.$26.1$23.1$3.04$0.57$0.48$0.09
2021Detailed filing. Detailed filing data is available for this year.$25.1$22.2$2.95$0.60$0.44$0.16
2020Detailed filing. Detailed filing data is available for this year.$21.9$19.1$2.79$0.64$0.48$0.15
2019Detailed filing. Detailed filing data is available for this year.$18.9$16.2$2.64$0.67$0.46$0.22
2018Detailed filing. Detailed filing data is available for this year.$17.2$14.7$2.43$0.55$0.39$0.17
2017Detailed filing. Detailed filing data is available for this year.$16.4$14.1$2.26$0.47$0.39$0.08
2016Detailed filing. Detailed filing data is available for this year.$15.8$13.6$2.18$0.42$0.37$0.05
2015Detailed filing. Detailed filing data is available for this year.$15.5$13.4$2.13$0.40$0.34$0.06
2014Detailed filing. Detailed filing data is available for this year.$14.1$12.1$2.07$0.42$0.33$0.09
2013Detailed filing. Detailed filing data is available for this year.$12.3$10.3$1.99$0.41$0.34$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$9.63$1.92$0.34
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$8.92$1.85$0.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$8.55$1.80$0.41
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 3, 2025
Return Version
2024v5.1
Gross Receipts
$774,986
Mission and Program Overview

Mission

Our Credit Union is a Not-for-Profit, member owned financial organization. Our goal is to provide the best available financial services in a personal, confidential and convenient manner to meet our memberb

Illinois state chartered credit union offering financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$20,562,387$20,072,540▼ $489,847
Other Notes and Loans Receivable, Net$4,416,576$5,199,025▲ $782,449
Rtn Earn Endowment Incm Other Fnds$3,256,957$3,518,998▲ $262,041
Cash and Non-Interest-Bearing Accounts$353,569$283,079▼ $70,490
Land, Buildings, and Equipment, Net$184,715$177,267▼ $7,448
Prepaid Expenses and Deferred Charges$14,831$14,824▼ $7
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$25,874,740$26,083,165▲ $208,425
Other Assets Total$342,662$336,430▼ $6,232
Liabilities
Other Liabilities$22,549,437$22,513,380▼ $36,057
Accounts Payable and Accrued Expenses$68,346$50,787▼ $17,559
Total Liabilities$22,617,783$22,564,167▼ $53,616
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,256,957$3,518,998▲ $262,041
Total Liabilities and Net Assets / Fund Balance$25,874,740$26,083,165▲ $208,425

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$177,267$105,028$282,295
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer G DusellPresident/CEOFT$69,779$4,187$73,966

Board Members and Trustees

NameTitle
David VoirinChairman
Daniel HoffmanVice-Chairman
David SummerDirector
Jordan HiltonDirector
Kim GroomDirector
Larry SuttleDirector
Nicholas CoronadoDirector
Alexandra FabrieSecretary
James BrownTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$377,943
Investment Income
$397,043
Other Revenue
$0
Change in Net Assets
$262,041
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$343,709
Salaries, Compensation, and Employee Benefits$169,236
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$107,168
Other Salaries and Wages---$78,210
Current Officers, Directors, Trustees, and Key Employees---$73,966
Information Technology---$56,758
Payroll Taxes---$11,699
Other Expenses---$11,088
Conferences and Meetings---$10,549
Fees for Services Accounting---$10,241
Insurance---$8,022
Depreciation Depletion---$7,447
Pension Plan Contributions---$5,361
All Other Expenses---$3,574
Advertising---$2,472
Total Functional Expenses$0$0$0$512,945
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 shares$22,513,380
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
Yes
Other officer compensation reviewed
Yes
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

“Members of the Credit Union are considered shareholders.”

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

“Members elect the Board of Directors at the Annual Meeting.”

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

“The President and Treasurer review the 990 prior to filing.”

Form 990, Part VI, Section B, line 15

“For the CEO and top management salary increases are reviewed and authorized by the Board. For officers and key employees, the President recommends salary increases to the Board. The Board members review the increases and incorporate them into the budget.”

Form 990, Part VI, Section C, line 19

“Documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Aurora Policemen Credit Union
EIN
36-2429148
Phone
6304995690
Address
1200 E Indian Trail, Aurora, IL 60505

Signing Officer

Name
Jennifer G DuSell
Title
President
Phone
6304995690
Signed
2025-04-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer G DuSell
Formed
1941
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
9
Employees
4
Volunteers
0

Preparer

Firm
Eifel Rambo Advisory Group Ltd
Address
20635 Abbey Woods Ct Suite 301, Frankfort, IL 60423
Preparer
Matt Beckley
Phone
7086282365
Supplemental Narrative

Additional Explanations

Part XII, #2B - Audited financial statements

“The financial statements were audited by an independent accountant for the year ended September 30, 2022. The FIN 48 note in the audited financials is as follows: The Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described above. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2024 or 2023 that management believes is subject to taxation. The Credit Union's annual informational returns filed with the Internal Revenue Service are open to examination generally for three years after filing.”

Raw XML Appendix346 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/PensionPlanContributionsGrp/TotalAmt05361
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt014831
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt014824
IRS990/PrincipalOfficerNm0Jennifer G DuSell
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees & charges
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0315109
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt162834
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0315109
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt162834
IRS990/ProgSrvcAccomActy2Grp/Desc0Credit Union pays out dividends to its members share deposit accounts at a market rate of interest. The number of share accounts at 12/31/24 was 1,640 for a total of $22,513,380.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0407630
IRS990/PYOtherExpensesAmt0290568
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0282799
IRS990/PYRevenuesLessExpensesAmt0221724
IRS990/PYSalariesCompEmpBnftPaidAmt0178137
IRS990/PYTotalExpensesAmt0468705
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0690429
IRS990/ReconcilationRevenueExpnssAmt0262041
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03256957
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03518998
IRS990/SavingsAndTempCashInvstGrp/BOYAmt020562387
IRS990/SavingsAndTempCashInvstGrp/EOYAmt020072540
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0177267
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0105028
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0282295
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt022513380
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0177267
IRS990ScheduleD/TotalLiabilityAmt022513380
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members of the Credit Union are considered shareholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect the Board of Directors at the Annual Meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The President and Treasurer review the 990 prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3For the CEO and top management salary increases are reviewed and authorized by the Board. For officers and key employees, the President recommends salary increases to the Board. The Board members review the increases and incorporate them into the budget.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Documents are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The financial statements were audited by an independent accountant for the year ended September 30, 2022. The FIN 48 note in the audited financials is as follows: The Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described above. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2024 or 2023 that management believes is subject to taxation. The Credit Union's annual informational returns filed with the Internal Revenue Service are open to examination generally for three years after filing.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part XII, #2B - Audited financial statements
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt025874740
IRS990/TotalAssetsEOYAmt026083165
IRS990/TotalAssetsGrp/BOYAmt025874740
IRS990/TotalAssetsGrp/EOYAmt026083165
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0512945
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt022617783
IRS990/TotalLiabilitiesEOYAmt022564167
IRS990/TotalLiabilitiesGrp/BOYAmt022617783
IRS990/TotalLiabilitiesGrp/EOYAmt022564167
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03256957
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03518998
IRS990/TotalOtherCompensationAmt04187
IRS990/TotalProgramServiceRevenueAmt0377943
IRS990/TotalReportableCompFromOrgAmt069779
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0774986
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0774986
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt025874740
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026083165
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01200 E Indian Trail
IRS990/USAddress/CityNm0Aurora
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060505
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.apcu4u.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Jennifer G DuSell
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06304995690
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Aurora Policemen Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0AURO
ReturnHeader/Filer/EIN0362429148
ReturnHeader/Filer/PhoneNum06304995690
ReturnHeader/Filer/USAddress/AddressLine1Txt01200 E Indian Trail
ReturnHeader/Filer/USAddress/CityNm0Aurora
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060505
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0931743146
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Eifel Rambo Advisory Group Ltd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt020635 Abbey Woods Ct Suite 301
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Frankfort
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060423
ReturnHeader/PreparerPersonGrp/PhoneNum07086282365
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Matt Beckley
ReturnHeader/ReturnTs02025-04-03T12:51:58-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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