Civic Intelligence

Service Plus Credit Union

990 • Fiscal year 2018 • EIN 36-2442996

Jan 01, 2018 to Dec 31, 2018 • Filed on May 03, 2019

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

46th percentile

0.86x

Higher debt load relative to assets than 46% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

64th percentile

20.16x

Higher debt load relative to revenue than 64% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Net Margin

61st percentile

13%

Higher net margin than 61% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

89th percentile

$112,326

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 12.1% of source-year revenue.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Asset Growth

30th percentile

-2.0%

Faster asset growth than 30% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

38th percentile

6.8%

Faster revenue growth than 38% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets46th percentile

Assets

Down

$21,845,248

Down $456,299 (-2.0%) from 2017

Net Assets

Up

$3,078,965

Up $124,819 (+4.2%) from 2017

Liabilities

Down

$18,766,283

Down $581,118 (-3.0%) from 2017

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin61st percentile

Revenue

Up

$930,745

Up $59,280 (+6.8%) from 2017

Expenses

Up

$805,926

Up $22,048 (+2.8%) from 2017

Net Income

Up

$124,819

Up $37,232 (+43%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth30th 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

2018

Assets$21,845,248
Liabilities$18,766,283
Net Assets$3,078,965
Open 2018 Filing

Operations Trend

Revenue Growth38th 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

2018

Revenue$930,745
Expenses$805,926
Net Income$124,819
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 3, 2019
Return Version
2018v3.1
Gross Receipts
$930,745
Mission and Program Overview

Mission

Providing credit and savings services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,465,469$14,934,892▲ $469,423
Investments Other Securities$5,131,025$5,529,000▲ $397,975
Rtn Earn Endowment Incm Other Fnds$2,443,776$2,568,595▲ $124,819
Pd in Cap Srpls Land Bldg Eqp Fund$510,370$510,370→ $0
Savings and Temporary Cash Investments$1,760,240$465,274▼ $1,294,966
Land, Buildings, and Equipment, Net$447,245$447,845▲ $600
Cash and Non-Interest-Bearing Accounts$241,689$166,377▼ $75,312
Prepaid Expenses and Deferred Charges$18,961$32,854▲ $13,893
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$22,301,547$21,845,248▼ $456,299
Other Assets Total$236,918$269,006▲ $32,088
Liabilities
Other Liabilities$19,290,782$18,710,849▼ $579,933
Accounts Payable and Accrued Expenses$56,619$55,434▼ $1,185
Total Liabilities$19,347,401$18,766,283▼ $581,118
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,954,146$3,078,965▲ $124,819
Total Liabilities and Net Assets / Fund Balance$22,301,547$21,845,248▼ $456,299

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$347,055$316,118$663,173
Equipment$39,984$475,632$515,616
Land$60,806-$60,806
Other Securities$5,529,000--
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin PieperPresidentFT$95,357$16,969$112,326
Elena SosaVice PresidentFT$58,364$11,078$69,442

Board Members and Trustees

NameTitle
Dale AdamsonChairman
Larry ShimminVice Chair
Alan AndersonDirector
Mark GrattonDirector
Mike PattersonDirector
Gary PingerSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$634,819
Investment Income
$104,297
Other Revenue
$191,629
Change in Net Assets
$124,819
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$471,967
Salaries, Compensation, and Employee Benefits$333,959
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$181,768--$181,768
Other Salaries and Wages$102,111--$102,111
Interest$77,166--$77,166
Information Technology$72,980--$72,980
Depreciation Depletion$41,735--$41,735
Office Expenses$38,159--$38,159
Occupancy$29,101--$29,101
All Other Expenses$27,605--$27,605
Other Expenses$22,638--$22,638
Payroll Taxes$19,804--$19,804
Other Employee Benefits$18,775--$18,775
Fees for Services Other$13,230--$13,230
Pension Plan Contributions$11,501--$11,501
Payments to Affiliates$11,365--$11,365
Fees for Services Accounting$11,116--$11,116
Conferences and Meetings$9,259--$9,259
Advertising$6,753--$6,753
Insurance$6,660--$6,660
Total Functional Expenses$805,926$0$0$805,926
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$18,710,849
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 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 organization is a credit union whose board is elected annually by its members.”

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

“The organization is a credit union whose board is elected annually by its members.”

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

“Form 990 is reviewed by the president and ceo before filing.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted monthly in credit union lobby. Detailed financial information is available quarterly on ncua website.”

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
Kristine Kilburg
Title
President
Phone
3097362500
Signed
2019-05-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kristine Kilburg
Formed
1950
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
7
Employees
7
Volunteers
0

Preparer

Firm
Gardiner Company Pc
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
Dennis Gardiner CPA
Phone
5152701446
Raw XML Appendix392 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/TotalRevenueColumnAmt0634819
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt083155
IRS990/PYOtherExpensesAmt0468843
IRS990/PYOtherRevenueAmt0167212
IRS990/PYProgramServiceRevenueAmt0621098
IRS990/PYRevenuesLessExpensesAmt087587
IRS990/PYSalariesCompEmpBnftPaidAmt0315035
IRS990/PYTotalExpensesAmt0783878
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0871465
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0124819
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt030000
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0808727
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02443776
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02568595
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01760240
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0465274
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0347055
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0316118
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0663173
IRS990ScheduleD/EquipmentGrp/BookValueAmt039984
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0475632
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0515616
IRS990ScheduleD/LandGrp/BookValueAmt060806
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt060806
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018710849
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt05529000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0447845
IRS990ScheduleD/TotalBookValueSecuritiesAmt05529000
IRS990ScheduleD/TotalLiabilityAmt018710849
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS A CREDIT UNION WHOSE BOARD IS ELECTED ANNUALLY BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION IS A CREDIT UNION WHOSE BOARD IS ELECTED ANNUALLY BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS REVIEWED BY THE PRESIDENT AND CEO BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FINANCIAL STATEMENTS ARE POSTED MONTHLY IN CREDIT UNION LOBBY. DETAILED FINANCIAL INFORMATION IS AVAILABLE QUARTERLY ON NCUA WEBSITE.
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 C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt022301547
IRS990/TotalAssetsEOYAmt021845248
IRS990/TotalAssetsGrp/BOYAmt022301547
IRS990/TotalAssetsGrp/EOYAmt021845248
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0805926
IRS990/TotalFunctionalExpensesGrp/TotalAmt0805926
IRS990/TotalGrossUBIAmt017721
IRS990/TotalLiabilitiesBOYAmt019347401
IRS990/TotalLiabilitiesEOYAmt018766283
IRS990/TotalLiabilitiesGrp/BOYAmt019347401
IRS990/TotalLiabilitiesGrp/EOYAmt018766283
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02954146
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03078965
IRS990/TotalOtherCompensationAmt028047
IRS990/TotalProgramServiceExpensesAmt0805926
IRS990/TotalProgramServiceRevenueAmt0634819
IRS990/TotalReportableCompFromOrgAmt0153721
IRS990/TotalRevenueGrp/ExclusionAmt0104297
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0808727
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0930745
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt017721
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022301547
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021845248
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02110 53RD ST
IRS990/USAddress/CityNm0MOLINE
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061265
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.SERVICE-PLUSCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KRISTINE KILBURG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03097362500
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-03
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0730EEC30A3C2A4A0730F191845D3D9F9B53AF0B8
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0D2C1B0EADAD9E0A70475A05097E9A8311029DE00
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0208.69.145.49
ReturnHeader/FilingSecurityInformation/IPDt02019-05-03
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm009:44:09
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421186197
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GARDINER COMPANY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010555 NEW YORK AVENUE SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DES MOINES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd050322
ReturnHeader/PreparerPersonGrp/PhoneNum05152701446
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DENNIS GARDINER CPA
ReturnHeader/ReturnTs02019-05-03T09:44:23-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,845,248
Liabilities
$18,766,283
Net assets
$3,078,965
Revenue
$930,745
Expenses
$805,926
Net income
$124,819
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