Civic Intelligence

Service Plus Credit Union

990 • Fiscal year 2013 • EIN 36-2442996

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 13, 2014

Organization Profilewww.service-pluscu.org

View Organization Page

2110 53rd Street61265

(309) 736-2500

Siviq Scores

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

Liabilities / Assets

60th percentile

0.88x

Higher debt load relative to assets than 60% of similar nonprofits.

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

Liabilities / Revenue

55th percentile

20.83x

Higher debt load relative to revenue than 55% of similar nonprofits.

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

Net Margin

92nd percentile

20%

Higher net margin than 92% of similar nonprofits.

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

Top Officer Pay

76th percentile

$88,919

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 9.7% of source-year revenue.

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

Asset Growth

29th percentile

-1.1%

Faster asset growth than 29% 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 / Assets60th percentile

Assets

Down

$21,714,424

Down $248,850 (-1.1%) from 2012

Net Assets

Up

$2,598,899

Up $180,060 (+7.4%) from 2012

Liabilities

Down

$19,115,525

Down $428,910 (-2.2%) from 2012

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin92nd percentile

Revenue

$917,539

No earlier filing loaded for comparison.

Expenses

Up

$737,479

Up $9,380 (+1.3%) from 2012

Net Income

$180,060

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$40M$30M$20M$10M$0Assets 2010: $18,716,924Liabilities 2010: $16,787,816Net Assets 2010: $1,929,1082010Assets 2011: $20,466,066Liabilities 2011: $18,284,704Net Assets 2011: $2,181,3622011Assets 2012: $21,963,274Liabilities 2012: $19,544,435Net Assets 2012: $2,418,8392012Assets 2013: $21,714,424Liabilities 2013: $19,115,525Net Assets 2013: $2,598,8992013Assets 2014: $21,037,024Liabilities 2014: $18,326,733Net Assets 2014: $2,710,2912014Assets 2015: $20,855,686Liabilities 2015: $18,076,654Net Assets 2015: $2,779,0322015Assets 2016: $21,468,855Liabilities 2016: $18,600,940Net Assets 2016: $2,867,9152016Assets 2017: $22,301,547Liabilities 2017: $19,347,401Net Assets 2017: $2,954,1462017Assets 2018: $21,845,248Liabilities 2018: $18,766,283Net Assets 2018: $3,078,9652018Assets 2019: $22,912,780Liabilities 2019: $19,685,809Net Assets 2019: $3,226,9712019Assets 2020: $26,751,951Liabilities 2020: $23,418,546Net Assets 2020: $3,333,4052020Assets 2021: $29,581,201Liabilities 2021: $26,050,860Net Assets 2021: $3,530,3412021Assets 2022: $31,933,152Liabilities 2022: $28,221,043Net Assets 2022: $3,712,1092022Assets 2023: $31,020,239Liabilities 2023: $27,186,694Net Assets 2023: $3,833,5452023Assets 2024: $32,490,252Liabilities 2024: $28,591,581Net Assets 2024: $3,898,6712024

Highlighted filing

2013

Assets$21,714,424
Liabilities$19,115,525
Net Assets$2,598,899
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0Expenses 2010: $825,5702010Expenses 2011: $724,5212011Expenses 2012: $728,0992012Revenue 2013: $917,539Expenses 2013: $737,479Net Income 2013: $180,0602013Revenue 2014: $920,404Expenses 2014: $809,012Net Income 2014: $111,3922014Revenue 2015: $802,019Expenses 2015: $733,278Net Income 2015: $68,7412015Revenue 2016: $830,246Expenses 2016: $741,363Net Income 2016: $88,8832016Revenue 2017: $871,465Expenses 2017: $783,878Net Income 2017: $87,5872017Revenue 2018: $930,745Expenses 2018: $805,926Net Income 2018: $124,8192018Revenue 2019: $989,663Expenses 2019: $841,657Net Income 2019: $148,0062019Revenue 2020: $1,006,778Expenses 2020: $891,448Net Income 2020: $115,3302020Revenue 2021: $1,074,397Expenses 2021: $877,461Net Income 2021: $196,9362021Revenue 2022: $1,113,638Expenses 2022: $928,406Net Income 2022: $185,2322022Revenue 2023: $1,184,386Expenses 2023: $1,062,950Net Income 2023: $121,4362023Revenue 2024: $1,375,506Expenses 2024: $1,310,380Net Income 2024: $65,1262024

Highlighted filing

2013

Revenue$917,539
Expenses$737,479
Net Income$180,060
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 13, 2014
Return Version
2013v3.1
Gross Receipts
$948,830
Mission and Program Overview

Mission

Providing credit and savings services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,883,689$15,994,568▲ $110,879
Investments Other Securities$3,138,000$3,090,000▼ $48,000
Rtn Earn Endowment Incm Other Fnds$1,908,469$2,088,529▲ $180,060
Cash and Non-Interest-Bearing Accounts$1,485,147$1,318,616▼ $166,531
Pd in Cap Srpls Land Bldg Eqp Fund$510,370$510,370→ $0
Savings and Temporary Cash Investments$489,370$491,038▲ $1,668
Land, Buildings, and Equipment, Net$508,652$470,103▼ $38,549
Prepaid Expenses and Deferred Charges$25,243$36,856▲ $11,613
Total Assets$21,963,274$21,714,424▼ $248,850
Other Assets Total$433,173$313,243▼ $119,930
Liabilities
Other Liabilities$19,485,953$19,030,467▼ $455,486
Accounts Payable and Accrued Expenses$58,482$85,058▲ $26,576
Total Liabilities$19,544,435$19,115,525▼ $428,910
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,418,839$2,598,899▲ $180,060
Total Liabilities and Net Assets / Fund Balance$21,963,274$21,714,424▼ $248,850

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$349,786$217,307$567,093
Equipment$59,511$356,007$415,518
Land$60,806-$60,806
Other Securities$3,090,000--
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tim Charles--$88,919$17,482$106,401
Tim CharlesPresidentFT$88,919-$88,919

Board Members and Trustees

NameTitle
Gary PingerChairperson
Alan AndersonVice Chairperson
Dale AdamsonDirector
Kimberly SandsDirector
Steve SchrockDirector
Clayton PetersonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$876,949
Investment Income
$41,881
Other Revenue
$-1,291
Change in Net Assets
$180,060
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$463,702
Salaries, Compensation, and Employee Benefits$273,777
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$228,670
Other Salaries and Wages---$128,352
Current Officers, Directors, Trustees, and Key Employees---$88,919
Occupancy---$46,307
Depreciation Depletion---$40,961
Information Technology---$34,090
Other Employee Benefits---$27,019
Insurance---$26,525
Payroll Taxes---$16,351
Pension Plan Contributions---$13,136
Travel---$11,088
Advertising---$8,723
Office Expenses---$8,110
Other Expenses---$6,096
Total Functional Expenses$0$0$0$737,479
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Gary PingerBoard ChairpersonSnow PlowingNo$605
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members' deposits accounts$19,010,825
Property tax payable$19,642
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
Yes
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
No
Management duties delegated
No
Filing and Contact Details

Filer

EIN
36-2442996
Phone
3097362500

Signing Officer

Name
Elena Sosa
Title
Vice President
Phone
3097362500
Signed
2014-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
J Tim Charles
Formed
1950
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
6
Employees
7
Volunteers
6

Preparer

Preparer
Kent G Klauer CPA
Phone
3097625800
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“Form 990 is reviewed by the President and CEO”

Pt VI, Line 11B

“before filing.”

Pt VI, Line 19

“Financial statements are posted monthly in credit union”

Pt VI, Line 19

“lobby. Detailed financial information is available”

Pt VI, Line 19

“quarterly on NCUA website.”

Pt VI, Line 12C

“President/CEO reviews vendor transactions to verify”

Pt VI, Line 12C

“independence of any contractors.”

Pt VI, Line 6

“The organization is a credit union whose board is”

Pt VI, Line 6

“elected annually by its members.”

Pt VI, Line 7A

“The organization is a credit union whose board is”

Pt VI, Line 7A

“elected annually by its members.”

Form 990, Part IX, Line 24F

“Ach fee expense 904. Cash over/short 300. Debit card expense 2219. Dividends on member shares 127437. Loan servicing expense 14794. Other expenses 25738. Outside professional serv 8731. Postage 9545. Provision for loan losses 47500. Supervision/audit 14234. Visa rewards program 8559. Rental expense to viii/6b -31291.”

Raw XML Appendix361 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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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt09232
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TIM CHARLES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0106401
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0GARY PINGER
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0BOARD CHAIRPERSON
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt0605
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0SNOW PLOWING
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990 is reviewed by the President and CEO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Financial statements are posted monthly in credit union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3lobby. Detailed financial information is available
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4quarterly on NCUA website.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5President/CEO reviews vendor transactions to verify
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6independence of any contractors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The organization is a credit union whose board is
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8elected annually by its members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9The organization is a credit union whose board is
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10elected annually by its members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11ACH FEE EXPENSE 904. CASH OVER/SHORT 300. DEBIT CARD EXPENSE 2219. DIVIDENDS ON MEMBER SHARES 127437. LOAN SERVICING EXPENSE 14794. OTHER EXPENSES 25738. OUTSIDE PROFESSIONAL SERV 8731. POSTAGE 9545. PROVISION FOR LOAN LOSSES 47500. SUPERVISION/AUDIT 14234. VISA REWARDS PROGRAM 8559. RENTAL EXPENSE TO VIII/6B -31291.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt021963274
IRS990/TotalAssetsEOYAmt021714424
IRS990/TotalAssetsGrp/BOYAmt021963274
IRS990/TotalAssetsGrp/EOYAmt021714424
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt0737479
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt019544435
IRS990/TotalLiabilitiesEOYAmt019115525
IRS990/TotalLiabilitiesGrp/BOYAmt019544435
IRS990/TotalLiabilitiesGrp/EOYAmt019115525
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02418839
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02598899
IRS990/TotalProgramServiceRevenueAmt0876949
IRS990/TotalReportableCompFromOrgAmt088919
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0917539
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0917539
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021963274
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021714424
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt011088
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10717 S 11th St Ct
IRS990/USAddress/City0Eldridge
IRS990/USAddress/State0IA
IRS990/USAddress/ZIPCode052748
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.service-pluscu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ELENA SOSA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VICE PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03097362500
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10SERVICE PLUS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SERV
ReturnHeader/Filer/EIN0362442996
ReturnHeader/Filer/PhoneNum03097362500
ReturnHeader/Filer/USAddress/AddressLine102110 53RD STREET
ReturnHeader/Filer/USAddress/City0MOLINE
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode061265
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Kent G Klauer CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101908 16th St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Moline
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0612653953
ReturnHeader/PreparerPersonGrp/PhoneNum03097625800
ReturnHeader/PreparerPersonGrp/PreparationDt02014-08-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KENT G KLAUER CPA
ReturnHeader/ReturnTs02014-08-14T09:18:29-07:00
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
$21,714,424
Liabilities
$19,115,525
Net assets
$2,598,899
Revenue
$917,539
Expenses
$737,479
Net income
$180,060
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$32.5$28.6$3.90$1.38$1.31$0.07
2023Detailed filing. Detailed filing data is available for this year.$31.0$27.2$3.83$1.18$1.06$0.12
2022Detailed filing. Detailed filing data is available for this year.$31.9$28.2$3.71$1.11$0.93$0.19
2021Detailed filing. Detailed filing data is available for this year.$29.6$26.1$3.53$1.07$0.88$0.20
2020Detailed filing. Detailed filing data is available for this year.$26.8$23.4$3.33$1.01$0.89$0.12
2019Detailed filing. Detailed filing data is available for this year.$22.9$19.7$3.23$0.99$0.84$0.15
2018Detailed filing. Detailed filing data is available for this year.$21.8$18.8$3.08$0.93$0.81$0.12
2017Detailed filing. Detailed filing data is available for this year.$22.3$19.3$2.95$0.87$0.78$0.09
2016Detailed filing. Detailed filing data is available for this year.$21.5$18.6$2.87$0.83$0.74$0.09
2015Detailed filing. Detailed filing data is available for this year.$20.9$18.1$2.78$0.80$0.73$0.07
2014Detailed filing. Detailed filing data is available for this year.$21.0$18.3$2.71$0.92$0.81$0.11
2013Detailed filing. Detailed filing data is available for this year.$21.7$19.1$2.60$0.92$0.74$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.0$19.5$2.42$0.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.5$18.3$2.18$0.72
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.7$16.8$1.93$0.83