Civic Intelligence

Service Plus Credit Union

990 • Fiscal year 2024 • EIN 36-2442996

Jan 01, 2024 to Dec 31, 2024 • Filed on Apr 28, 2025

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

60th percentile

0.88x

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

2024 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

85th percentile

20.79x

Higher debt load relative to revenue than 85% of similar nonprofits.

2024 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

27th percentile

4.7%

Higher net margin than 27% of similar nonprofits.

2024 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

61st percentile

$130,825

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 9.5% of source-year revenue.

2024 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

82nd percentile

4.7%

Faster asset growth than 82% of similar nonprofits.

2024 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

61st percentile

16%

Faster revenue growth than 61% of similar nonprofits.

2024 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Assets

Up

$32,490,252

Up $1,470,013 (+4.7%) from 2023

Net Assets

Up

$3,898,671

Up $65,126 (+1.7%) from 2023

Liabilities

Up

$28,591,581

Up $1,404,887 (+5.2%) from 2023

Revenue

Up

$1,375,506

Up $191,120 (+16%) from 2023

Expenses

Up

$1,310,380

Up $247,430 (+23%) from 2023

Net Income

Down

$65,126

Down $56,310 (-46%) from 2023

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

2024

Assets$32,490,252
Liabilities$28,591,581
Net Assets$3,898,671

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

2024

Revenue$1,375,506
Expenses$1,310,380
Net Income$65,126
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 28, 2025
Return Version
2024v5.1
Gross Receipts
$1,375,506
Mission and Program Overview

Mission

Providing credit and savings services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,370,744$18,631,894▼ $738,850
Investments Other Securities$8,061,798$9,812,798▲ $1,751,000
Rtn Earn Endowment Incm Other Fnds$3,323,175$3,388,301▲ $65,126
Savings and Temporary Cash Investments$2,613,971$3,037,826▲ $423,855
Pd in Cap Srpls Land Bldg Eqp Fund$510,370$510,370→ $0
Land, Buildings, and Equipment, Net$305,653$280,119▼ $25,534
Cash and Non-Interest-Bearing Accounts$298,150$219,470▼ $78,680
Prepaid Expenses and Deferred Charges$33,068$62,726▲ $29,658
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$31,020,239$32,490,252▲ $1,470,013
Other Assets Total$336,855$445,419▲ $108,564
Liabilities
Other Liabilities$27,127,916$28,530,069▲ $1,402,153
Accounts Payable and Accrued Expenses$58,778$61,512▲ $2,734
Total Liabilities$27,186,694$28,591,581▲ $1,404,887
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,833,545$3,898,671▲ $65,126
Total Liabilities and Net Assets / Fund Balance$31,020,239$32,490,252▲ $1,470,013

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$215,426$454,328$669,754
Equipment$3,873$423,678$427,551
Other Land Buildings$14$143,139$143,153
Land$60,806-$60,806
Other Securities$9,812,798--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kristine KilburgCEO/presidentFT$100,121$30,704$130,825
Elena SosaVice PresidentFT$80,069$20,120$100,189

Board Members and Trustees

NameTitle
Dale AdamsonChairman
Larry ShimminVice Chair
Brandt AdamsonBoard Member
Brian LindseyBoard Member
Mark GrattonBoard Member
Thomas ReaganBoard Member
Alan AndersonSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$819,867
Investment Income
$362,062
Other Revenue
$193,577
Change in Net Assets
$65,126
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$880,476
Salaries, Compensation, and Employee Benefits$429,904
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$336,301--$336,301
Current Officers, Directors, Trustees, and Key Employees$231,014--$231,014
Other Salaries and Wages$150,186--$150,186
Information Technology$94,737--$94,737
Fees for Services Other$48,684--$48,684
Office Expenses$48,584--$48,584
Other Expenses$31,055--$31,055
Occupancy$30,368--$30,368
All Other Expenses$27,653--$27,653
Payroll Taxes$26,048--$26,048
Depreciation Depletion$25,534--$25,534
Fees for Services Accounting$16,800--$16,800
Payments to Affiliates$12,934--$12,934
Other Employee Benefits$11,554--$11,554
Pension Plan Contributions$11,102--$11,102
Insurance$10,493--$10,493
Advertising$8,843--$8,843
Conferences and Meetings$26--$26
Total Functional Expenses$1,310,380$0$0$1,310,380
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$28,530,069
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
2025-04-28
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
Robert Bell CPA
Phone
5152701446
Raw XML Appendix395 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/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt033068
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt062726
IRS990/PrincipalOfficerNm0KRISTINE KILBURG
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0819867
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0819867
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0204707
IRS990/PYOtherExpensesAmt0646873
IRS990/PYOtherRevenueAmt0215267
IRS990/PYProgramServiceRevenueAmt0764412
IRS990/PYRevenuesLessExpensesAmt0121436
IRS990/PYSalariesCompEmpBnftPaidAmt0416077
IRS990/PYTotalExpensesAmt01062950
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01184386
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt065126
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt030000
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0993701
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03323175
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03388301
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02613971
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03037826
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0215426
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0454328
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0669754
IRS990ScheduleD/EquipmentGrp/BookValueAmt03873
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0423678
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0427551
IRS990ScheduleD/LandGrp/BookValueAmt060806
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt060806
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt014
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0143139
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0143153
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt028530069
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt09812798
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0280119
IRS990ScheduleD/TotalBookValueSecuritiesAmt09812798
IRS990ScheduleD/TotalLiabilityAmt028530069
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/TotalAssetsBOYAmt031020239
IRS990/TotalAssetsEOYAmt032490252
IRS990/TotalAssetsGrp/BOYAmt031020239
IRS990/TotalAssetsGrp/EOYAmt032490252
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01310380
IRS990/TotalFunctionalExpensesGrp/TotalAmt01310380
IRS990/TotalGrossUBIAmt019743
IRS990/TotalLiabilitiesBOYAmt027186694
IRS990/TotalLiabilitiesEOYAmt028591581
IRS990/TotalLiabilitiesGrp/BOYAmt027186694
IRS990/TotalLiabilitiesGrp/EOYAmt028591581
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03833545
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03898671
IRS990/TotalOtherCompensationAmt050824
IRS990/TotalProgramServiceExpensesAmt01310380
IRS990/TotalProgramServiceRevenueAmt0819867
IRS990/TotalReportableCompFromOrgAmt0180190
IRS990/TotalRevenueGrp/ExclusionAmt0362062
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0993701
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01375506
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt019743
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt031020239
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt032490252
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/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KRISTINE KILBURG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03097362500
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-28
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/IRSResponsiblePrtyInfoCurrInd01
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/PreparerPersonNm0ROBERT BELL CPA
ReturnHeader/ReturnTs02025-05-05T09:52:21-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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