Civic Intelligence

Service Plus Credit Union

990 • Fiscal year 2015 • EIN 36-2442996

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 12, 2016

Organization Profilewww.service-pluscu.org

View Organization Page

2110 53rd StreetMoline, IL 61265

(309) 736-2500

Siviq Scores

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

Liabilities / Assets

50th percentile

0.87x

Higher debt load relative to assets than 50% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

62nd percentile

22.54x

Higher debt load relative to revenue than 62% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

58th percentile

8.6%

Higher net margin than 58% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

71st percentile

$88,500

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 11.0% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

22nd percentile

-0.9%

Faster asset growth than 22% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

3rd percentile

-13%

Faster revenue growth than 3% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets50th percentile

Assets

Down

$20,855,686

Down $181,338 (-0.9%) from 2014

Net Assets

Up

$2,779,032

Up $68,741 (+2.5%) from 2014

Liabilities

Down

$18,076,654

Down $250,079 (-1.4%) from 2014

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin58th percentile

Revenue

Down

$802,019

Down $118,385 (-13%) from 2014

Expenses

Down

$733,278

Down $75,734 (-9.4%) from 2014

Net Income

Down

$68,741

Down $42,651 (-38%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth22nd 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

2015

Assets$20,855,686
Liabilities$18,076,654
Net Assets$2,779,032
Open 2015 Filing

Operations Trend

Revenue Growth3rd percentile

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

2015

Revenue$802,019
Expenses$733,278
Net Income$68,741
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 12, 2016
Return Version
2015v2.1
Gross Receipts
$834,401
Mission and Program Overview

Mission

Providing credit and savings services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,557,362$13,857,656▼ $699,706
Investments Other Securities$3,090,000$3,440,092▲ $350,092
Rtn Earn Endowment Incm Other Fnds$2,199,921$2,268,662▲ $68,741
Cash and Non-Interest-Bearing Accounts$1,920,886$2,087,197▲ $166,311
Savings and Temporary Cash Investments$743,067$745,270▲ $2,203
Pd in Cap Srpls Land Bldg Eqp Fund$510,370$510,370→ $0
Land, Buildings, and Equipment, Net$434,764$479,881▲ $45,117
Prepaid Expenses and Deferred Charges$54,676$27,886▼ $26,790
Total Assets$21,037,024$20,855,686▼ $181,338
Other Assets Total$236,269$217,704▼ $18,565
Liabilities
Other Liabilities$18,287,892$18,057,585▼ $230,307
Accounts Payable and Accrued Expenses$38,841$19,069▼ $19,772
Total Liabilities$18,326,733$18,076,654▼ $250,079
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,710,291$2,779,032▲ $68,741
Total Liabilities and Net Assets / Fund Balance$21,037,024$20,855,686▼ $181,338

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$327,408$250,297$577,705
Equipment$91,667$403,302$494,969
Land$60,806-$60,806
Other Assets Org$22,024--
Other Securities$3,440,092--
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kevin PiperPresidentFT$88,500$88,500

Board Members and Trustees

NameTitle
Dale AdamsonChairperson
Larry ShimminVice Chairperson
Alan AndersonDirector
Gary PingerDirector
Kimberly SandsDirector
Steve SchrockDirector
Clayton PetersonTreasurer/secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$770,510
Investment Income
$33,891
Other Revenue
$-2,382
Change in Net Assets
$68,741
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$438,276
Salaries, Compensation, and Employee Benefits$295,002
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$197,413
Other Salaries and Wages---$142,752
Current Officers, Directors, Trustees, and Key Employees---$88,500
Information Technology---$64,976
Other Employee Benefits---$42,518
Depreciation Depletion---$34,286
Occupancy---$29,969
Payroll Taxes---$16,804
Other Expenses---$12,548
Travel---$12,000
Advertising---$9,787
Insurance---$9,097
Office Expenses---$7,142
Pension Plan Contributions---$4,428
Total Functional Expenses$0$0$0$733,278
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits Payable$18,037,906
Property Tax Payable$19,679
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
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Service Plus Credit Union
EIN
36-2442996
Phone
3097362500
Address
2110 53RD STREET, MOLINE, IL 61265

Signing Officer

Name
Kevin Pieper
Title
President
Phone
3097362500
Signed
2016-04-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kevin Pieper
Formed
1950
Legal Domicile
Il
Voting Board Members
8
Independent Board Members
7
Employees
7
Volunteers
7

Preparer

Firm
Kent G Klauer CPA PC
Address
1908 16th St, Moline, IL 61265-3953
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 924. Cash over/short -21. Debit card expense 4062. Dividends on member shares 67962. Loan servicing expense 13652. Other expenses 28334. Outside professional serv 8979. Postage 8114. Provision for loan losses 46660. Provision for loan losses dfi supervision/audit 15209. Visa rewards program 3538. Rental expense to viii/6b home cu software”

Raw XML Appendix363 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/OtherAssetsOrgGrp/BookValueAmt12000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2182680
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt322024
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0VISA COMPENSATING BALANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1SHAZAM VISA ESCROW
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUA SHARE INSURANCE FUND
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED LOAN INTEREST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018037906
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt119679
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1PROPERTY TAX PAYABLE
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03440092
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0479881
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0217704
IRS990ScheduleD/TotalBookValueSecuritiesAmt03440092
IRS990ScheduleD/TotalLiabilityAmt018057585
IRS990/ScheduleJRequiredInd0false
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 924. CASH OVER/SHORT -21. DEBIT CARD EXPENSE 4062. DIVIDENDS ON MEMBER SHARES 67962. LOAN SERVICING EXPENSE 13652. OTHER EXPENSES 28334. OUTSIDE PROFESSIONAL SERV 8979. POSTAGE 8114. PROVISION FOR LOAN LOSSES 46660. PROVISION FOR LOAN LOSSES DFI SUPERVISION/AUDIT 15209. VISA REWARDS PROGRAM 3538. RENTAL EXPENSE TO VIII/6B HOME CU SOFTWARE
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/TotalAssetsBOYAmt021037024
IRS990/TotalAssetsEOYAmt020855686
IRS990/TotalAssetsGrp/BOYAmt021037024
IRS990/TotalAssetsGrp/EOYAmt020855686
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt0733278
IRS990/TotalGrossUBIAmt0-2382
IRS990/TotalLiabilitiesBOYAmt018326733
IRS990/TotalLiabilitiesEOYAmt018076654
IRS990/TotalLiabilitiesGrp/BOYAmt018326733
IRS990/TotalLiabilitiesGrp/EOYAmt018076654
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02710291
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02779032
IRS990/TotalProgramServiceRevenueAmt0770510
IRS990/TotalReportableCompFromOrgAmt088500
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0804401
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0802019
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0-2382
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021037024
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020855686
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt012000
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02110 53RD ST
IRS990/USAddress/CityNm0MOLINE
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061265
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.service-pluscu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KEVIN PIEPER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03097362500
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SERVICE PLUS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SERV
ReturnHeader/Filer/EIN0362442996
ReturnHeader/Filer/PhoneNum03097362500
ReturnHeader/Filer/USAddress/AddressLine1Txt02110 53RD STREET
ReturnHeader/Filer/USAddress/CityNm0MOLINE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061265
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Kent G Klauer CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01908 16th St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Moline
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0612653953
ReturnHeader/PreparerPersonGrp/PhoneNum03097625800
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KENT G KLAUER CPA
ReturnHeader/ReturnTs02016-05-16T08:41:38-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,855,686
Liabilities
$18,076,654
Net assets
$2,779,032
Revenue
$802,019
Expenses
$733,278
Net income
$68,741
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