Civic Intelligence

Service Plus Credit Union

990 • Fiscal year 2020 • EIN 36-2442996

Jan 01, 2020 to Dec 31, 2020 • Filed on Oct 21, 2021

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

47th percentile

0.88x

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

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Liabilities / Revenue

60th percentile

23.26x

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

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Net Margin

61st percentile

11%

Higher net margin than 61% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Top Officer Pay

59th percentile

$112,441

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 11.2% of source-year revenue.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Asset Growth

64th percentile

17%

Faster asset growth than 64% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Revenue Growth

85th percentile

1.7%

Faster revenue growth than 85% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Assets

Up

$26,751,951

Up $3,839,171 (+17%) from 2019

Net Assets

Up

$3,333,405

Up $106,434 (+3.3%) from 2019

Liabilities

Up

$23,418,546

Up $3,732,737 (+19%) from 2019

Revenue

Up

$1,006,778

Up $17,115 (+1.7%) from 2019

Expenses

Up

$891,448

Up $49,791 (+5.9%) from 2019

Net Income

Down

$115,330

Down $32,676 (-22%) from 2019

Historical Trend

Balance Sheet Trend

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

2020

Assets$26,751,951
Liabilities$23,418,546
Net Assets$3,333,405

Operations Trend

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

2020

Revenue$1,006,778
Expenses$891,448
Net Income$115,330
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 21, 2021
Return Version
2020v4.1
Gross Receipts
$1,006,778
Mission and Program Overview

Mission

Providing credit and savings services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,929,914$16,621,331▲ $691,417
Investments Other Securities$4,737,000$4,786,000▲ $49,000
Savings and Temporary Cash Investments$1,438,712$4,330,694▲ $2,891,982
Rtn Earn Endowment Incm Other Fnds$2,716,601$2,823,035▲ $106,434
Pd in Cap Srpls Land Bldg Eqp Fund$510,370$510,370→ $0
Land, Buildings, and Equipment, Net$418,839$391,304▼ $27,535
Cash and Non-Interest-Bearing Accounts$119,567$357,152▲ $237,585
Prepaid Expenses and Deferred Charges$25,892$13,950▼ $11,942
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$22,912,780$26,751,951▲ $3,839,171
Other Assets Total$242,856$251,520▲ $8,664
Liabilities
Other Liabilities$19,631,955$23,358,978▲ $3,727,023
Accounts Payable and Accrued Expenses$53,854$59,568▲ $5,714
Total Liabilities$19,685,809$23,418,546▲ $3,732,737
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,226,971$3,333,405▲ $106,434
Total Liabilities and Net Assets / Fund Balance$22,912,780$26,751,951▲ $3,839,171

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$295,886$369,523$665,409
Equipment$34,612$509,787$544,399
Land$60,806-$60,806
Other Securities$4,786,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kristine KilburgCEO/presidentFT$89,357$23,084$112,441
Elena SosaVice PresidentFT$67,872$14,343$82,215

Board Members and Trustees

NameTitle
Dale AdamsonChairman
Larry ShimminVice Chair
Alan AndersonCredit Committee
Brad BurlundCredit Committee
Larry ShimminCredit Committee
Gary PingerSecretary/treasurer
Michael PattersonSupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$697,501
Investment Income
$119,351
Other Revenue
$189,926
Change in Net Assets
$115,330
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$544,144
Salaries, Compensation, and Employee Benefits$347,304
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$194,656--$194,656
Interest$112,251--$112,251
Other Salaries and Wages$106,671--$106,671
Information Technology$71,943--$71,943
Depreciation Depletion$44,580--$44,580
Office Expenses$41,316--$41,316
Occupancy$29,277--$29,277
Other Expenses$25,308--$25,308
All Other Expenses$20,880--$20,880
Payroll Taxes$20,719--$20,719
Fees for Services Other$17,592--$17,592
Other Employee Benefits$15,541--$15,541
Fees for Services Accounting$10,440--$10,440
Payments to Affiliates$10,162--$10,162
Pension Plan Contributions$9,717--$9,717
Insurance$6,614--$6,614
Conferences and Meetings$937--$937
Advertising$-2,338--$-2,338
Total Functional Expenses$891,448$0$0$891,448
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$23,358,978
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
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
2021-10-21
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
5
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 Appendix397 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/PrincipalOfficerNm0KRISTINE KILBURG
IRS990/PriorPeriodAdjustmentsAmt0-8896
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0697501
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0697501
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0129286
IRS990/PYOtherExpensesAmt0483385
IRS990/PYOtherRevenueAmt0188828
IRS990/PYProgramServiceRevenueAmt0671549
IRS990/PYRevenuesLessExpensesAmt0148006
IRS990/PYSalariesCompEmpBnftPaidAmt0358272
IRS990/PYTotalExpensesAmt0841657
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0989663
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0115330
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt030000
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0869351
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02716601
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02823035
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01438712
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04330694
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0295886
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0369523
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0665409
IRS990ScheduleD/EquipmentGrp/BookValueAmt034612
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0509787
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0544399
IRS990ScheduleD/LandGrp/BookValueAmt060806
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt060806
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt023358978
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt04786000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0391304
IRS990ScheduleD/TotalBookValueSecuritiesAmt04786000
IRS990ScheduleD/TotalLiabilityAmt023358978
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/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt022912780
IRS990/TotalAssetsEOYAmt026751951
IRS990/TotalAssetsGrp/BOYAmt022912780
IRS990/TotalAssetsGrp/EOYAmt026751951
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0891448
IRS990/TotalFunctionalExpensesGrp/TotalAmt0891448
IRS990/TotalGrossUBIAmt018076
IRS990/TotalLiabilitiesBOYAmt019685809
IRS990/TotalLiabilitiesEOYAmt023418546
IRS990/TotalLiabilitiesGrp/BOYAmt019685809
IRS990/TotalLiabilitiesGrp/EOYAmt023418546
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03226971
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03333405
IRS990/TotalOtherCompensationAmt037427
IRS990/TotalProgramServiceExpensesAmt0891448
IRS990/TotalProgramServiceRevenueAmt0697501
IRS990/TotalReportableCompFromOrgAmt0157229
IRS990/TotalRevenueGrp/ExclusionAmt0119351
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0869351
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01006778
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt018076
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022912780
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026751951
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/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KRISTINE KILBURG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03097362500
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-10-21
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/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/ReturnTs02021-10-26T14:11:18-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0KRISTINE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0KILBURG
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

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