Civic Intelligence

Service Plus Credit Union

990 • Fiscal year 2021 • EIN 36-2442996

Jan 01, 2021 to Dec 31, 2021 • Filed on Jul 07, 2022

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.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Liabilities / Revenue

51st percentile

24.25x

Higher debt load relative to revenue than 51% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Net Margin

77th percentile

18%

Higher net margin than 77% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Top Officer Pay

68th percentile

$119,313

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 11.1% of source-year revenue.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Asset Growth

63rd percentile

11%

Faster asset growth than 63% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Revenue Growth

84th percentile

6.7%

Faster revenue growth than 84% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Assets

Up

$29,581,201

Up $2,829,250 (+11%) from 2020

Net Assets

Up

$3,530,341

Up $196,936 (+5.9%) from 2020

Liabilities

Up

$26,050,860

Up $2,632,314 (+11%) from 2020

Revenue

Up

$1,074,397

Up $67,619 (+6.7%) from 2020

Expenses

Down

$877,461

Down $13,987 (-1.6%) from 2020

Net Income

Up

$196,936

Up $81,606 (+71%) from 2020

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

2021

Assets$29,581,201
Liabilities$26,050,860
Net Assets$3,530,341

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

2021

Revenue$1,074,397
Expenses$877,461
Net Income$196,936
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jul 7, 2022
Return Version
2021v4.2
Gross Receipts
$1,074,397
Mission and Program Overview

Mission

Providing credit and savings services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$16,621,331$19,109,586▲ $2,488,255
Investments Other Securities$4,786,000$6,058,798▲ $1,272,798
Savings and Temporary Cash Investments$4,330,694$3,350,607▼ $980,087
Rtn Earn Endowment Incm Other Fnds$2,823,035$3,019,971▲ $196,936
Pd in Cap Srpls Land Bldg Eqp Fund$510,370$510,370→ $0
Cash and Non-Interest-Bearing Accounts$357,152$364,430▲ $7,278
Land, Buildings, and Equipment, Net$391,304$363,813▼ $27,491
Prepaid Expenses and Deferred Charges$13,950$40,522▲ $26,572
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$26,751,951$29,581,201▲ $2,829,250
Other Assets Total$251,520$293,445▲ $41,925
Liabilities
Other Liabilities$23,358,978$25,990,224▲ $2,631,246
Accounts Payable and Accrued Expenses$59,568$60,636▲ $1,068
Total Liabilities$23,418,546$26,050,860▲ $2,632,314
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,333,405$3,530,341▲ $196,936
Total Liabilities and Net Assets / Fund Balance$26,751,951$29,581,201▲ $2,829,250

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$270,669$394,740$665,409
Equipment$32,338$530,813$563,151
Land$60,806-$60,806
Other Securities$6,058,798--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kristine KilburgCEO/presidentFT$94,792$24,521$119,313
Elena SosaVice PresidentFT$73,349$15,769$89,118

Board Members and Trustees

NameTitle
Dale AdamsonChairman
Larry ShimminVice Chair
Alan AndersonCredit Committee
Brian LindseyCredit Committee
Gary PingerSecretary/treasurer
Mark GrattonSupervisory Committee
Tonia WoodwardSupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$666,990
Investment Income
$86,495
Other Revenue
$320,912
Change in Net Assets
$196,936
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$514,913
Salaries, Compensation, and Employee Benefits$362,548
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$208,431--$208,431
Other Salaries and Wages$107,780--$107,780
Interest$99,419--$99,419
Information Technology$77,251--$77,251
Depreciation Depletion$46,244--$46,244
Office Expenses$41,122--$41,122
Occupancy$28,711--$28,711
Payroll Taxes$21,674--$21,674
Fees for Services Other$19,885--$19,885
Other Expenses$18,123--$18,123
All Other Expenses$16,419--$16,419
Fees for Services Accounting$14,647--$14,647
Other Employee Benefits$14,309--$14,309
Pension Plan Contributions$10,354--$10,354
Payments to Affiliates$10,196--$10,196
Insurance$7,081--$7,081
Advertising$6,926--$6,926
Conferences and Meetings$1,055--$1,055
Total Functional Expenses$877,461$0$0$877,461
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$25,990,224
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
2022-07-07
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
6
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 Appendix396 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/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0666990
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0666990
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0119351
IRS990/PYOtherExpensesAmt0544144
IRS990/PYOtherRevenueAmt0189926
IRS990/PYProgramServiceRevenueAmt0697501
IRS990/PYRevenuesLessExpensesAmt0115330
IRS990/PYSalariesCompEmpBnftPaidAmt0347304
IRS990/PYTotalExpensesAmt0891448
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01006778
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0196936
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt030000
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0967839
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02823035
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03019971
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04330694
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03350607
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0270669
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0394740
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0665409
IRS990ScheduleD/EquipmentGrp/BookValueAmt032338
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0530813
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0563151
IRS990ScheduleD/LandGrp/BookValueAmt060806
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt060806
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025990224
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06058798
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0363813
IRS990ScheduleD/TotalBookValueSecuritiesAmt06058798
IRS990ScheduleD/TotalLiabilityAmt025990224
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/TotalAssetsBOYAmt026751951
IRS990/TotalAssetsEOYAmt029581201
IRS990/TotalAssetsGrp/BOYAmt026751951
IRS990/TotalAssetsGrp/EOYAmt029581201
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0877461
IRS990/TotalFunctionalExpensesGrp/TotalAmt0877461
IRS990/TotalGrossUBIAmt020063
IRS990/TotalLiabilitiesBOYAmt023418546
IRS990/TotalLiabilitiesEOYAmt026050860
IRS990/TotalLiabilitiesGrp/BOYAmt023418546
IRS990/TotalLiabilitiesGrp/EOYAmt026050860
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03333405
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03530341
IRS990/TotalOtherCompensationAmt040290
IRS990/TotalProgramServiceExpensesAmt0877461
IRS990/TotalProgramServiceRevenueAmt0666990
IRS990/TotalReportableCompFromOrgAmt0168141
IRS990/TotalRevenueGrp/ExclusionAmt086495
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0967839
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01074397
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt020063
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt026751951
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt029581201
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/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KRISTINE KILBURG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03097362500
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-07-07
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/ReturnTs02022-07-13T11:40:14-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0KRISTINE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0KILBURG
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

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