Civic Intelligence

Advantage One Credit Union

EIN 36-2464697 • 501(c)14 • Morrison, IL

Profile

Serving the community by providing convenient financial services you trust

204 N JacksonMorrison, IL 61270

www.adonecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

71st percentile

0.89x

Higher debt load relative to assets than 71% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

66th percentile

18.13x

Higher debt load relative to revenue than 66% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

82nd percentile

22%

Higher net margin than 82% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

58th percentile

$89,353

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 7.3% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

89th percentile

8.4%

Faster asset growth than 89% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

50th percentile

6.4%

Faster revenue growth than 50% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$22,921,808

Down $520,855 (-2.2%) from 2023

Liabilities

Down

$20,476,548

Down $763,022 (-3.6%) from 2023

Net Assets

Up

$2,445,260

Up $242,167 (+11%) from 2023

Operations
Liabilities / Revenue66th percentileNet Margin82nd percentile

Revenue

Up

$1,146,512

Up $107,660 (+10%) from 2023

Expenses

Down

$904,345

Down $46,746 (-4.9%) from 2023

Net Income

Up

$242,167

Up $154,406 (+176%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $17,639,857Liabilities 2010: $15,747,624Net Assets 2010: $1,892,2332010Assets 2011: $17,983,229Liabilities 2011: $16,042,337Net Assets 2011: $1,940,8922011Assets 2012: $19,025,114Liabilities 2012: $16,977,541Net Assets 2012: $2,047,5732012Assets 2013: $20,008,862Liabilities 2013: $17,935,068Net Assets 2013: $2,073,7942013Assets 2014: $19,651,128Liabilities 2014: $17,455,845Net Assets 2014: $2,195,2832014Assets 2015: $19,907,903Liabilities 2015: $17,649,720Net Assets 2015: $2,258,1832015Assets 2016: $20,460,631Liabilities 2016: $18,291,264Net Assets 2016: $2,169,3672016Assets 2017: $20,073,999Liabilities 2017: $18,738,498Net Assets 2017: $1,335,5012017Assets 2018: $20,719,311Liabilities 2018: $18,633,571Net Assets 2018: $2,085,7402018Assets 2019: $21,145,532Liabilities 2019: $18,923,350Net Assets 2019: $2,222,1822019Assets 2020: $23,544,738Liabilities 2020: $21,347,783Net Assets 2020: $2,196,9552020Assets 2021: $25,375,525Liabilities 2021: $23,165,045Net Assets 2021: $2,210,4802021Assets 2022: $25,365,173Liabilities 2022: $23,207,841Net Assets 2022: $2,157,3322022Assets 2023: $23,442,663Liabilities 2023: $21,239,570Net Assets 2023: $2,203,0932023Assets 2024: $22,921,808Liabilities 2024: $20,476,548Net Assets 2024: $2,445,2602024

Highlighted filing

2024

Assets$22,921,808
Liabilities$20,476,548
Net Assets$2,445,260
Open 2024 Filing

Operations Trend

Revenue Growth50th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.0M$0-$1.0MExpenses 2010: $904,7882010Expenses 2011: $748,6142011Expenses 2012: $680,7792012Revenue 2013: $766,143Expenses 2013: $739,922Net Income 2013: $26,2212013Revenue 2014: $796,896Expenses 2014: $675,407Net Income 2014: $121,4892014Revenue 2015: $768,320Expenses 2015: $705,420Net Income 2015: $62,9002015Revenue 2016: $829,053Expenses 2016: $917,869Net Income 2016: -$88,8162016Revenue 2017: $1,102,572Expenses 2017: $1,936,355Net Income 2017: -$833,7832017Revenue 2018: $1,159,473Expenses 2018: $839,234Net Income 2018: $320,2392018Revenue 2019: $1,022,829Expenses 2019: $886,388Net Income 2019: $136,4412019Revenue 2020: $777,858Expenses 2020: $803,085Net Income 2020: -$25,2272020Revenue 2021: $767,592Expenses 2021: $754,067Net Income 2021: $13,5252021Revenue 2022: $816,913Expenses 2022: $870,061Net Income 2022: -$53,1482022Revenue 2023: $1,038,852Expenses 2023: $951,091Net Income 2023: $87,7612023Revenue 2024: $1,146,512Expenses 2024: $904,345Net Income 2024: $242,1672024

Highlighted filing

2024

Revenue$1,146,512
Expenses$904,345
Net Income$242,167
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$22,921,808
Liabilities
$20,476,548
Net assets
$2,445,260
Revenue
$1,146,512
Expenses
$904,345
Net income
$242,167
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.9$20.5$2.45$1.15$0.90$0.24
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.4$21.2$2.20$1.04$0.95$0.09
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.4$23.2$2.16$0.82$0.87$0.05
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.4$23.2$2.21$0.77$0.75$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.5$21.3$2.20$0.78$0.80$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.1$18.9$2.22$1.02$0.89$0.14
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.7$18.6$2.09$1.16$0.84$0.32
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.1$18.7$1.34$1.10$1.94$0.83
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.5$18.3$2.17$0.83$0.92$0.09
2015Detailed filing. Detailed filing data is available for this year.$19.9$17.6$2.26$0.77$0.71$0.06
2014Detailed filing. Detailed filing data is available for this year.$19.7$17.5$2.20$0.80$0.68$0.12
2013Detailed filing. Detailed filing data is available for this year.$20.0$17.9$2.07$0.77$0.74$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.0$17.0$2.05$0.68
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.0$16.0$1.94$0.75
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.6$15.7$1.89$0.90
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2018 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Oct 15, 2019
Return Version
2018v3.1
Gross Receipts
$1,358,901
Mission and Program Overview

Mission

Serving the community by providing convenient financial services you trust.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,408,124$12,717,667▼ $690,457
Savings and Temporary Cash Investments$3,261,345$6,078,283▲ $2,816,938
Rtn Earn Endowment Incm Other Fnds$1,335,501$2,085,740▲ $750,239
Investments Program Related$2,264,462$1,075,324▼ $1,189,138
Land, Buildings, and Equipment, Net$289,413$274,206▼ $15,207
Cash and Non-Interest-Bearing Accounts$532,961$238,352▼ $294,609
Prepaid Expenses and Deferred Charges$43,516$75,451▲ $31,935
Total Assets$20,073,999$20,719,311▲ $645,312
Other Assets Total$274,178$260,028▼ $14,150
Liabilities
Other Liabilities$18,724,436$18,567,535▼ $156,901
Accounts Payable and Accrued Expenses$1,978$54,217▲ $52,239
Escrow Account Liability$12,084$11,819▼ $265
Total Liabilities$18,738,498$18,633,571▼ $104,927
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,335,501$2,085,740▲ $750,239
Total Liabilities and Net Assets / Fund Balance$20,073,999$20,719,311▲ $645,312

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$185,386$159,291$344,677
Equipment$37,584$68,233$105,817
Land$45,500-$45,500
Other Land Buildings$3,666$10,973$14,639
Leasehold Improvements$2,070-$2,070
Investment Program Related Org$131,324--
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Barbara WisowatyCEO (2018)FT$69,569$69,569

Board Members and Trustees

NameTitle
Bard QuinnChair
Lonnie SmithVice Chair
Lana NugentDirector
Lynn DykstraDirector
Shelly TiesmanDirector
Jane BillingsSecretary
Carolyn WohrleyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,046,191
Investment Income
$111,379
Other Revenue
$1,903
Change in Net Assets
$320,239
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$420,356
Salaries, Compensation, and Employee Benefits$418,878
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$256,647
Office Expenses---$194,323
Current Officers, Directors, Trustees, and Key Employees---$69,569
Other Employee Benefits---$61,009
Other Expenses---$41,729
Occupancy---$33,459
Advertising---$30,657
Payroll Taxes---$30,299
Depreciation Depletion---$28,606
Insurance---$28,064
Fees for Services Accounting---$25,506
Information Technology---$25,269
Conferences and Meetings---$9,070
Fees for Services Legal---$3,482
Pension Plan Contributions---$1,354
Fees for Services Other---$191
Total Functional Expenses$0$0$0$839,234
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$1,100
Total Exempt Function Spending$1,100

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$1,100
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$18,579,354
Escrow Accounts to Line 21 Bal Sheet$-11,819
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

Form 990, Page 6, Part VI, Line 11B

“Management provides necessary data to independent preparer who completes the return. Management reviews the return for accuracy, and then authorizes the preparer to e-file the approved return. Management reviews the return with the directors at their next board meeting.”

Form 990, Page 6, Part VI, Line 12C

“The president and vp review all gls and all vendor payments to ensure the conflict of interest policy is followed.”

Form 990, Page 6, Part VI, Line 15A

“The board determines the ceo compensation. The full board approves the compensation and this is noted in the executive sessions minutes.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and policies are available upon request. Financial statements are displayed in the credit union lobby.”

Filing and Contact Details

Filer

Filer Name
Advantage One Credit Union
EIN
36-2464697
Phone
8157727215
Address
204 N JACKSON, MORRISON, IL 61270

Signing Officer

Name
Susan Bentley
Title
Pres/CEO 2019
Phone
8157727215
Signed
2019-10-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan Bentley
Formed
1960
Legal Domicile
Il
Voting Board Members
4
Independent Board Members
4
Employees
9
Volunteers
10

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The credit union holds funds in escrow accounts for property taxes and homeowners insurance related to mortgage loans.”

Schedule D, Page 3, Part X

“As allowed by state regularity authorities, the audit is done as of september 30. Therefore, the reporting period for the audit does not match the reporting period for the 990. Per footnote 2 in the credit union's september 30, 2018, financial statements: the credit union is a state-chartered credit union described in internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. The credit union had no unrelated business income in 2018 that management believes is subject to tax. The credit union's 2015, 2016, and 2017 annual informational returns filed with the internal revenue service are open to examination.”

Raw XML Appendix385 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01978
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt054217
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0SERVING THE COMMUNITY BY PROVIDING CONVENIENT FINANCIAL SERVICES YOU TRUST.
IRS990/AddressChangeInd0X
IRS990/AdvertisingGrp/TotalAmt030657
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0SUSAN BENTLEY
IRS990/BooksInCareOfDetail/PhoneNum08157727215
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0204 N JACKSON
IRS990/BooksInCareOfDetail/USAddress/CityNm0MORRISON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd061270
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0532961
IRS990/CashNonInterestBearingGrp/EOYAmt0238352
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt069569
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt09070
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0111379
IRS990/CYOtherExpensesAmt0420356
IRS990/CYOtherRevenueAmt01903
IRS990/CYProgramServiceRevenueAmt01046191
IRS990/CYRevenuesLessExpensesAmt0320239
IRS990/CYSalariesCompEmpBnftPaidAmt0418878
IRS990/CYTotalExpensesAmt0839234
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01159473
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt028606
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 276 NEW DEPOSIT ACCOUNTS IN 2018. AS OF 12/31/18 WE HAD 2,807 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt09
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt012084
IRS990/EscrowAccountLiabilityGrp/EOYAmt011819
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt025506
IRS990/FeesForServicesLegalGrp/TotalAmt03482
IRS990/FeesForServicesOtherGrp/TotalAmt0191
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0BARD QUINN
IRS990/Form990PartVIISectionAGrp/PersonNm1LONNIE SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm2JANE BILLINGS
IRS990/Form990PartVIISectionAGrp/PersonNm3CAROLYN WOHRLEY
IRS990/Form990PartVIISectionAGrp/PersonNm4SHELLY TIESMAN
IRS990/Form990PartVIISectionAGrp/PersonNm5LYNN DYKSTRA
IRS990/Form990PartVIISectionAGrp/PersonNm6LANA NUGENT
IRS990/Form990PartVIISectionAGrp/PersonNm7BARBARA WISOWATY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt769569
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO (2018)
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01960
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-16084
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt04
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0183344
IRS990/GrossReceiptsAmt01358901
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt04
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt025269
IRS990/InsuranceGrp/TotalAmt028064
IRS990/InvestmentIncomeGrp/ExclusionAmt0127463
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0127463
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt02264462
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01075324
IRS990/IRPDocumentCnt0532
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0238497
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0289413
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0274206
IRS990/LandBldgEquipCostOrOtherBssAmt0512703
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0199428
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0SERVING THE COMMUNITY BY PROVIDING CONVENIENT FINANCIAL SERVICES YOU TRUST.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01335501
IRS990/NetAssetsOrFundBalancesEOYAmt02085740
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-16084
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-16084
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt033459
IRS990/OfficeExpensesGrp/TotalAmt0194323
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0274178
IRS990/OtherAssetsTotalGrp/EOYAmt0260028
IRS990/OtherEmployeeBenefitsGrp/TotalAmt061009
IRS990/OtherExpensesGrp/Desc0DIVIDENDS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt041729
IRS990/OtherLiabilitiesGrp/BOYAmt018724436
IRS990/OtherLiabilitiesGrp/EOYAmt018567535
IRS990/OtherSalariesAndWagesGrp/TotalAmt0256647
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt013408124
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt012717667
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt030299
IRS990/PensionPlanContributionsGrp/TotalAmt01354
IRS990/PoliticalCampaignActyInd0true
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt043516
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt075451
IRS990/PrincipalOfficerNm0SUSAN BENTLEY
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IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0899507
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1145116
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0899507
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1145116
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21568
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01568
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 214 NEW LOANS TO OUR MEMBERS DURING 2018. AS OF 12/31/18 WE HAD 1,452 LOANS TO OUR MEMBERS.
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IRS990/PYOtherExpensesAmt01534241
IRS990/PYOtherRevenueAmt01919
IRS990/PYProgramServiceRevenueAmt01032752
IRS990/PYRevenuesLessExpensesAmt0-833783
IRS990/PYSalariesCompEmpBnftPaidAmt0402114
IRS990/PYTotalExpensesAmt01936355
IRS990/PYTotalRevenueAmt01102572
IRS990/ReconcilationRevenueExpnssAmt0320239
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesRevenueGrp/ExclusionAmt01903
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt01903
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01335501
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02085740
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03261345
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06078283
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/Form1120POLFiledInd0true
IRS990ScheduleC/InternalFundsContributedAmt01100
IRS990ScheduleC/PoliticalExpendituresAmt01100
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0363092340
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CREDIT UNION POLITICAL ACTION COUNC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt01100
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01807 W DIEHL ROAD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0NAPERVILLE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0IL
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd060566
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0THE ONLY POLITICAL ACTIVITY WAS A CONTRIBUTION TO THE ILLINOIS CREDIT UNION POLITICAL ACTION COUNCIL (CUPAC) WHICH IS REPORTED IN PARTS I-A AND I-C OF THIS SCHEDULE C.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE C, PART I-A, LINE 1
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0159291
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0344677
IRS990ScheduleD/EquipmentGrp/BookValueAmt037584
IRS990ScheduleD/EquipmentGrp/DepreciationAmt068233
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0105817
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0944000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1131324
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS WITH MATURITY > 1 YEAR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CORP CU CAPITAL ACCOUNTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt045500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt045500
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02070
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02070
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03666
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt010973
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt014639
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018579354
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-11819
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ESCROW ACCOUNTS TO LINE 21 BAL SHEET
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1AS ALLOWED BY STATE REGULARITY AUTHORITIES, THE AUDIT IS DONE AS OF SEPTEMBER 30. THEREFORE, THE REPORTING PERIOD FOR THE AUDIT DOES NOT MATCH THE REPORTING PERIOD FOR THE 990. PER FOOTNOTE 2 IN THE CREDIT UNION'S SEPTEMBER 30, 2018, FINANCIAL STATEMENTS: THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. THE CREDIT UNION HAD NO UNRELATED BUSINESS INCOME IN 2018 THAT MANAGEMENT BELIEVES IS SUBJECT TO TAX. THE CREDIT UNION'S 2015, 2016, AND 2017 ANNUAL INFORMATIONAL RETURNS FILED WITH THE INTERNAL REVENUE SERVICE ARE OPEN TO EXAMINATION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleD/TotalBookValueProgramRltdAmt01075324
IRS990ScheduleD/TotalLiabilityAmt018567535
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT PREPARER WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES THE PREPARER TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE DIRECTORS AT THEIR NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PRESIDENT AND VP REVIEW ALL GLS AND ALL VENDOR PAYMENTS TO ENSURE THE CONFLICT OF INTEREST POLICY IS FOLLOWED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD DETERMINES THE CEO COMPENSATION. THE FULL BOARD APPROVES THE COMPENSATION AND THIS IS NOTED IN THE EXECUTIVE SESSIONS MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE DISPLAYED IN THE CREDIT UNION LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt020073999
IRS990/TotalAssetsEOYAmt020719311
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IRS990/TotalAssetsGrp/EOYAmt020719311
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0839234
IRS990/TotalGrossUBIAmt01568
IRS990/TotalLiabilitiesBOYAmt018738498
IRS990/TotalLiabilitiesEOYAmt018633571
IRS990/TotalLiabilitiesGrp/BOYAmt018738498
IRS990/TotalLiabilitiesGrp/EOYAmt018633571
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01335501
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02085740
IRS990/TotalProgramServiceRevenueAmt01046191
IRS990/TotalReportableCompFromOrgAmt069569
IRS990/TotalRevenueGrp/ExclusionAmt0129366
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01028539
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01159473
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01568
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020073999
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020719311
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0204 N JACKSON
IRS990/USAddress/CityNm0MORRISON
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061270
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.ADONECU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-01-14 16:20:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN BENTLEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES/CEO 2019
ReturnHeader/BusinessOfficerGrp/PhoneNum08157727215
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-10-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ADVANTAGE ONE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ADVA
ReturnHeader/Filer/EIN0362464697
ReturnHeader/Filer/PhoneNum08157727215
ReturnHeader/Filer/USAddress/AddressLine1Txt0204 N JACKSON
ReturnHeader/Filer/USAddress/CityNm0MORRISON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061270
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId05FA08F3168DAA0B72D4E7F0D679A1E851BDE6807
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId05FA08F3168DAA0B72D4E7F0D679A1E851BDE6807
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.88.144.85
ReturnHeader/FilingSecurityInformation/IPDt02019-10-18
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:19:42
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0811697509
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0AUDIT THREESIXTY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01202 JOHNSON ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ONALASKA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546502008
ReturnHeader/PreparerPersonGrp/PhoneNum06083173765
ReturnHeader/PreparerPersonGrp/PreparationDt02019-10-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02019-10-18T11:19:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

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