Civic Intelligence

Canals & Trails Credit Union

990 • Fiscal year 2012 • EIN 36-2473242

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 09, 2013

Organization Profilewww.canals-trailscu.org

View Organization Page

201 East 9th Street60441
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

50th percentile

3.6%

Faster asset growth than 50% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$19,269,753

Up $677,266 (+3.6%) from 2011

Net Assets

Up

$1,472,673

Up $43,955 (+3.1%) from 2011

Liabilities

Up

$17,797,080

Up $633,311 (+3.7%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$724,297

Down $172,569 (-19%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$40M$30M$20M$10M$0Assets 2008: $14,197,076Liabilities 2008: $12,445,477Net Assets 2008: $1,751,5992008Assets 2010: $18,837,807Liabilities 2010: $17,338,098Net Assets 2010: $1,499,7092010Assets 2011: $18,592,487Liabilities 2011: $17,163,769Net Assets 2011: $1,428,7182011Assets 2012: $19,269,753Liabilities 2012: $17,797,080Net Assets 2012: $1,472,6732012Assets 2013: $19,540,803Liabilities 2013: $17,960,091Net Assets 2013: $1,580,7122013Assets 2014: $20,192,209Liabilities 2014: $18,453,702Net Assets 2014: $1,738,5072014Assets 2015: $21,417,826Liabilities 2015: $19,516,997Net Assets 2015: $1,900,8292015Assets 2016: $22,691,100Liabilities 2016: $20,660,236Net Assets 2016: $2,030,8642016Assets 2017: $22,778,160Liabilities 2017: $20,647,032Net Assets 2017: $2,131,1282017Assets 2018: $22,341,888Liabilities 2018: $20,081,382Net Assets 2018: $2,260,5062018Assets 2019: $23,607,367Liabilities 2019: $21,172,973Net Assets 2019: $2,434,3942019Assets 2020: $27,893,917Liabilities 2020: $25,342,314Net Assets 2020: $2,551,6032020Assets 2021: $36,670,160Liabilities 2021: $33,665,389Net Assets 2021: $3,004,7712021Assets 2022: $35,954,097Liabilities 2022: $32,859,307Net Assets 2022: $3,094,7902022Assets 2023: $33,387,211Liabilities 2023: $30,212,318Net Assets 2023: $3,174,8932023Assets 2024: $33,344,978Liabilities 2024: $30,057,117Net Assets 2024: $3,287,8612024

Highlighted filing

2012

Assets$19,269,753
Liabilities$17,797,080
Net Assets$1,472,673
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0Expenses 2008: $849,5712008Expenses 2010: $855,5492010Expenses 2011: $896,8662011Expenses 2012: $724,2972012Revenue 2013: $747,663Expenses 2013: $639,624Net Income 2013: $108,0392013Revenue 2014: $769,474Expenses 2014: $611,679Net Income 2014: $157,7952014Revenue 2015: $791,477Expenses 2015: $629,155Net Income 2015: $162,3222015Revenue 2016: $811,365Expenses 2016: $681,330Net Income 2016: $130,0352016Revenue 2017: $830,222Expenses 2017: $729,958Net Income 2017: $100,2642017Revenue 2018: $934,481Expenses 2018: $805,104Net Income 2018: $129,3772018Revenue 2019: $1,004,000Expenses 2019: $830,114Net Income 2019: $173,8862019Revenue 2020: $927,238Expenses 2020: $810,029Net Income 2020: $117,2092020Revenue 2021: $1,002,433Expenses 2021: $844,430Net Income 2021: $158,0032021Revenue 2022: $1,056,974Expenses 2022: $966,955Net Income 2022: $90,0192022Revenue 2023: $1,105,547Expenses 2023: $1,018,723Net Income 2023: $86,8242023Revenue 2024: $1,247,741Expenses 2024: $1,134,773Net Income 2024: $112,9682024

Highlighted filing

2012

Revenue-
Expenses$724,297
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 9, 2013
Return Version
2012v2.0
Gross Receipts
$768,252
Mission and Program Overview

Mission

Illinois state chartered credit union operated for the mutual benefit of its members.

Major Activities

Activity 2
Credit union pays out dividends to its members on share deposit accounts at a market rate of interest. Total number of share accounts at 12/31/12 were 4,232 for a total of $17,769,230. The credit union also offers certificates of deposits, ira accounts, club accounts, and money market accounts.
Filing and Contact Details

Filer

EIN
36-2473242
Raw XML AppendixShowing 400 of 485 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/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY027007
IRS990/AccountsPayableAccruedExpenses/EOY027850
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0CREDIT UNION PAYS OUT DIVIDENDS TO ITS MEMBERS ON SHARE DEPOSIT ACCOUNTS AT A MARKET RATE OF INTEREST. TOTAL NUMBER OF SHARE ACCOUNTS AT 12/31/12 WERE 4,232 FOR A TOTAL OF $17,769,230. THE CREDIT UNION ALSO OFFERS CERTIFICATES OF DEPOSITS, IRA ACCOUNTS, CLUB ACCOUNTS, AND MONEY MARKET ACCOUNTS.
IRS990/ActivityOrMissionDescription0ILLINOIS STATE CHARTERED CREDIT UNION OPERATED FOR THE MUTUAL BENEFIT OF ITS MEMBERS.
IRS990/AddressPrincipalOfficerUS/AddressLine10201 EAST 9TH STREET
IRS990/AddressPrincipalOfficerUS/City0LOCKPORT
IRS990/AddressPrincipalOfficerUS/State0IL
IRS990/AddressPrincipalOfficerUS/ZIPCode060441
IRS990/Advertising/ProgramServices023457
IRS990/Advertising/Total023457
IRS990/AllOtherExpenses/ProgramServices055503
IRS990/AllOtherExpenses/Total055503
IRS990/BenefitsPaidToMembersCY05225
IRS990/BenefitsToMembers/ProgramServices05225
IRS990/BenefitsToMembers/Total05225
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0214078
IRS990/CashNonInterestBearing/EOY0144116
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/ProgramServices061387
IRS990/CompCurrentOfficersDirectors/Total061387
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0false
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/ProgramServices04905
IRS990/ConferencesMeetings/Total04905
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0false
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/ProgramServices022633
IRS990/DepreciationDepletion/Total022633
IRS990/DescribedIn501C30false
IRS990/Description0CREDIT UNION MAKES AND SERVICES CONSUMER AND REAL ESTATE LOANS TO MEMBERS. TOTAL NUMBER OF LOANS OUSTANDING AT 12/31/12 WAS 1,020 FOR A TOTAL OF $9,522,373. THE CREDIT UNION ALSO OFFERS AN ATM/DEBIT CARD PROGRAM, MONEY ORDERS, OVERDRAFT LINES OF CREDIT, AND SHARE SECURED CREDIT CARDS.
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/ExcessBenefitTransaction0false
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/ProgramServices06686
IRS990/FeesForServicesAccounting/Total06686
IRS990/FeesForServicesInvstMgmntFees/ProgramServices01287
IRS990/FeesForServicesInvstMgmntFees/Total01287
IRS990/FeesForServicesOther/ProgramServices06859
IRS990/FeesForServicesOther/Total06859
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek02.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek12.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek22.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek32.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek42.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek52.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek62.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek740.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/NamePerson0DAVID HENNESSEY
IRS990/Form990PartVIISectionA/NamePerson1JAMES FORBES
IRS990/Form990PartVIISectionA/NamePerson2MARY ANN BAILEY
IRS990/Form990PartVIISectionA/NamePerson3JAMES GLIWA
IRS990/Form990PartVIISectionA/NamePerson4BRENDA PIRY
IRS990/Form990PartVIISectionA/NamePerson5GORDON MCCLUSKEY
IRS990/Form990PartVIISectionA/NamePerson6KENT IRVIN
IRS990/Form990PartVIISectionA/NamePerson7JANET SCHULER
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation71029
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization760358
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/Title0CHAIRPERSON
IRS990/Form990PartVIISectionA/Title1VICE CHAIRPERSON
IRS990/Form990PartVIISectionA/Title2SECRETARY
IRS990/Form990PartVIISectionA/Title3TREASURER
IRS990/Form990PartVIISectionA/Title4DIRECTOR
IRS990/Form990PartVIISectionA/Title5DIRECTOR
IRS990/Form990PartVIISectionA/Title6DIRECTOR
IRS990/Form990PartVIISectionA/Title7PRESIDENT
IRS990/Form990ProvidedToGoverningBody0false
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts0768252
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/Insurance/ProgramServices014325
IRS990/Insurance/Total014325
IRS990/Interest/ProgramServices045050
IRS990/Interest/Total045050
IRS990/InvestmentIncomeCurrentYear0131196
IRS990/InvestmentIncomePriorYear0146809
IRS990/InvestmentIncome/TotalRevenueColumn0131196
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsOtherSecurities/BOY030000
IRS990/InvestmentsProgramRelated/EOY09205000
IRS990/InvestmentsPubTradedSecurities/BOY08579105
IRS990/LandBldgEquipmentAccumDeprec0480636
IRS990/LandBuildingsEquipmentBasis0643974
IRS990/LandBuildingsEquipmentBasisNet/BOY0176757
IRS990/LandBuildingsEquipmentBasisNet/EOY0163338
IRS990/LoanToOfficerOrDQP0true
IRS990/LobbyingActivities0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0ILLINOIS STATE CHARTERED CREDIT UNION
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerBusiness/BusinessNameLine10JANET SCHULER
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY01428718
IRS990/NetAssetsOrFundBalancesEOY01472673
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith10960521
IRS990/NumberIndependentVotingMembers07
IRS990/NumberOfEmployees07
IRS990/NumberW2GIncluded00
IRS990/Occupancy/ProgramServices031027
IRS990/Occupancy/Total031027
IRS990/OfficeExpenses/ProgramServices0100980
IRS990/OfficeExpenses/Total0100980
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0true
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY0231870
IRS990/OtherAssetsTotal/EOY0232592
IRS990/OtherEmployeeBenefits/ProgramServices01046
IRS990/OtherEmployeeBenefits/Total01046
IRS990/OtherExpensePriorYear0645312
IRS990/OtherExpensesCurrentYear0485652
IRS990/OtherExpenses/Description0LOAN SERVICING
IRS990/OtherExpenses/Description1PROVISION FOR LOAN LOSS
IRS990/OtherExpenses/Description2ASSOCIATION DUES
IRS990/OtherExpenses/Description3DFI OPERATING EXP
IRS990/OtherExpenses/ProgramServices019937
IRS990/OtherExpenses/ProgramServices1132179
IRS990/OtherExpenses/ProgramServices211043
IRS990/OtherExpenses/ProgramServices37637
IRS990/OtherExpenses/Total019937
IRS990/OtherExpenses/Total1132179
IRS990/OtherExpenses/Total211043
IRS990/OtherExpenses/Total37637
IRS990/OtherLiabilities/BOY017136762
IRS990/OtherLiabilities/EOY017769230
IRS990/OtherNotesLoansReceivableNet/BOY09249823
IRS990/OtherNotesLoansReceivableNet/EOY09048017
IRS990/OtherRevenueCurrentYear027247
IRS990/OtherRevenueMisc/BusinessCode0522190
IRS990/OtherRevenueMisc/BusinessCode1522190
IRS990/OtherRevenueMisc/Description0INTERCHANGE INCOME
IRS990/OtherRevenueMisc/Description1MISCELLANEOUS
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome023503
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome13744
IRS990/OtherRevenueMisc/TotalRevenueColumn023503
IRS990/OtherRevenueMisc/TotalRevenueColumn13744
IRS990/OtherRevenuePriorYear020826
IRS990/OtherSalariesAndWages/ProgramServices0147018
IRS990/OtherSalariesAndWages/Total0147018
IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/ProgramServices016687
IRS990/PayrollTaxes/Total016687
IRS990/PensionPlanContributions/ProgramServices07282
IRS990/PensionPlanContributions/Total07282
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY034874
IRS990/PrepaidExpensesDeferredCharges/EOY031691
IRS990/PriorExcessBenefitTransaction0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522190
IRS990/ProgramServiceRevenue/BusinessCode1522190
IRS990/ProgramServiceRevenueCY0609809
IRS990/ProgramServiceRevenue/Description0INTEREST ON LOANS
IRS990/ProgramServiceRevenue/Description1FEES & SERVICES
IRS990/ProgramServiceRevenuePriorYear0658240
IRS990/ProgramServiceRevenue/TotalRevenueColumn0529286
IRS990/ProgramServiceRevenue/TotalRevenueColumn180523
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReceivablesFromOfficersEtc/EOY0125440
IRS990/ReconcilationRevenueExpenses043955
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0true
IRS990/RetainedEarningsEndowmentEtc/BOY01428718
IRS990/RetainedEarningsEndowmentEtc/EOY01472673
IRS990/RevenuesLessExpensesCY043955
IRS990/RevenuesLessExpensesPriorYear0-70991
IRS990/SalariesEtcCurrentYear0233420
IRS990/SalariesEtcPriorYear0251554
IRS990/SavingsAndTempCashInvestments/BOY075980
IRS990/SavingsAndTempCashInvestments/EOY0319559
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue093042
IRS990ScheduleD/Buildings/Depreciation084673
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis0177715
IRS990ScheduleD/Equipment/BookValue052388
IRS990ScheduleD/Equipment/Depreciation0395963
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0448351
IRS990ScheduleD/InvestmentsProgramRelated/BookValue030000
IRS990ScheduleD/InvestmentsProgramRelated/BookValue19175000
IRS990ScheduleD/InvestmentsProgramRelated/Description0ALLOYA PERMANENT CAPITAL
IRS990ScheduleD/InvestmentsProgramRelated/Description1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation0C
IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation1C
IRS990ScheduleD/Land/BookValue017908
IRS990ScheduleD/Land/OtherCostOrOtherBasis017908
IRS990ScheduleD/OtherLiabilities/Amount010028421
IRS990ScheduleD/OtherLiabilities/Amount1661509
IRS990ScheduleD/OtherLiabilities/Amount21299318
IRS990ScheduleD/OtherLiabilities/Amount32662167
IRS990ScheduleD/OtherLiabilities/Amount41967709
IRS990ScheduleD/OtherLiabilities/Amount51150106
IRS990ScheduleD/OtherLiabilities/Description0SHARES
IRS990ScheduleD/OtherLiabilities/Description1CLUB ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description2DRAFTS
IRS990ScheduleD/OtherLiabilities/Description3MONEY MARKETS
IRS990ScheduleD/OtherLiabilities/Description4CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilities/Description5IRA SHARES
IRS990ScheduleD/TotalOfAmounts017769230
IRS990ScheduleD/TotalOfBookValueLandBuildings0163338
IRS990ScheduleD/TotalOfBookValueProgramRelated09205000
IRS990/ScheduleJRequired0false
IRS990ScheduleL/LoanTable/ApprovedByBoard0true
IRS990ScheduleL/LoanTable/ApprovedByBoard1true
IRS990ScheduleL/LoanTable/ApprovedByBoard2true
IRS990ScheduleL/LoanTable/ApprovedByBoard3true
IRS990ScheduleL/LoanTable/ApprovedByBoard4true
IRS990ScheduleL/LoanTable/ApprovedByBoard5true
IRS990ScheduleL/LoanTable/ApprovedByBoard6true
IRS990ScheduleL/LoanTable/ApprovedByBoard7true
IRS990ScheduleL/LoanTable/ApprovedByBoard8true
IRS990ScheduleL/LoanTable/ApprovedByBoard9true
IRS990ScheduleL/LoanTable/ApprovedByBoard10true
IRS990ScheduleL/LoanTable/ApprovedByBoard11true
IRS990ScheduleL/LoanTable/BalanceDue028777
IRS990ScheduleL/LoanTable/BalanceDue19669
IRS990ScheduleL/LoanTable/BalanceDue24540
IRS990ScheduleL/LoanTable/BalanceDue33387
IRS990ScheduleL/LoanTable/BalanceDue4300
IRS990ScheduleL/LoanTable/BalanceDue5418
IRS990ScheduleL/LoanTable/BalanceDue614166
IRS990ScheduleL/LoanTable/BalanceDue74010
IRS990ScheduleL/LoanTable/BalanceDue817927
IRS990ScheduleL/LoanTable/BalanceDue94227
IRS990ScheduleL/LoanTable/BalanceDue1023032
IRS990ScheduleL/LoanTable/BalanceDue1114987
IRS990ScheduleL/LoanTable/Default0false
IRS990ScheduleL/LoanTable/Default1false
IRS990ScheduleL/LoanTable/Default2false
IRS990ScheduleL/LoanTable/Default3false
IRS990ScheduleL/LoanTable/Default4false
IRS990ScheduleL/LoanTable/Default5false
IRS990ScheduleL/LoanTable/Default6false
IRS990ScheduleL/LoanTable/Default7false
IRS990ScheduleL/LoanTable/Default8false
IRS990ScheduleL/LoanTable/Default9false
IRS990ScheduleL/LoanTable/Default10false
IRS990ScheduleL/LoanTable/Default11false
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/LoanFromOrganization1X
IRS990ScheduleL/LoanTable/LoanFromOrganization2X
IRS990ScheduleL/LoanTable/LoanFromOrganization3X
IRS990ScheduleL/LoanTable/LoanFromOrganization4X
IRS990ScheduleL/LoanTable/LoanFromOrganization5X
IRS990ScheduleL/LoanTable/LoanFromOrganization6X
IRS990ScheduleL/LoanTable/LoanFromOrganization7X
IRS990ScheduleL/LoanTable/LoanFromOrganization8X
IRS990ScheduleL/LoanTable/LoanFromOrganization9X
IRS990ScheduleL/LoanTable/LoanFromOrganization10X
IRS990ScheduleL/LoanTable/LoanFromOrganization11X
IRS990ScheduleL/LoanTable/NamePerson0DAVE HENNESSEY
IRS990ScheduleL/LoanTable/NamePerson1DAVE HENNESSEY
IRS990ScheduleL/LoanTable/NamePerson2MARY ANN BAILEY
IRS990ScheduleL/LoanTable/NamePerson3MARY ANN BAILEY
IRS990ScheduleL/LoanTable/NamePerson4BRENDA PIRY
IRS990ScheduleL/LoanTable/NamePerson5GORDON MCCLUSKEY
IRS990ScheduleL/LoanTable/NamePerson6GORDON MCCLUSKEY
IRS990ScheduleL/LoanTable/NamePerson7GORDON MCCLUSKEY
IRS990ScheduleL/LoanTable/NamePerson8JIM GLIWA
IRS990ScheduleL/LoanTable/NamePerson9KENT IRVIN
IRS990ScheduleL/LoanTable/NamePerson10JANET SCHULER
IRS990ScheduleL/LoanTable/NamePerson11JANET SCHULER
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount075000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount133000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount25000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount35000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount4300
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount5500
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount621700
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount711000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount839976
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount98000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount1023658
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount1121942
IRS990ScheduleL/LoanTable/PurposeOfLoan0HOME EQUITY
IRS990ScheduleL/LoanTable/PurposeOfLoan1HE JOINT
IRS990ScheduleL/LoanTable/PurposeOfLoan2SIGNATURE
IRS990ScheduleL/LoanTable/PurposeOfLoan3SIGNATURE
IRS990ScheduleL/LoanTable/PurposeOfLoan4OVERDRAFT LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan5OVERDRAFT LOAN
IRS990ScheduleL/LoanTable/PurposeOfLoan6SHARE PLEDGE
IRS990ScheduleL/LoanTable/PurposeOfLoan7SHARE PLEDGE
IRS990ScheduleL/LoanTable/PurposeOfLoan8AUTO
IRS990ScheduleL/LoanTable/PurposeOfLoan9SHARE PLEDGE
IRS990ScheduleL/LoanTable/PurposeOfLoan10HOME EQUITY
IRS990ScheduleL/LoanTable/PurposeOfLoan11AUTO
IRS990ScheduleL/LoanTable/RelationshipWithOrganization0CHAIRPERSON
IRS990ScheduleL/LoanTable/RelationshipWithOrganization1CHAIRPERSON
IRS990ScheduleL/LoanTable/RelationshipWithOrganization2SECRETARY
IRS990ScheduleL/LoanTable/RelationshipWithOrganization3SECRETARY
IRS990ScheduleL/LoanTable/RelationshipWithOrganization4DIRECTOR
IRS990ScheduleL/LoanTable/RelationshipWithOrganization5DIRECTOR
IRS990ScheduleL/LoanTable/RelationshipWithOrganization6DIRECTOR
IRS990ScheduleL/LoanTable/RelationshipWithOrganization7DIRECTOR
IRS990ScheduleL/LoanTable/RelationshipWithOrganization8TREASURER
IRS990ScheduleL/LoanTable/RelationshipWithOrganization9DIRECTOR
IRS990ScheduleL/LoanTable/RelationshipWithOrganization10PRESIDENT
IRS990ScheduleL/LoanTable/RelationshipWithOrganization11PRESIDENT
IRS990ScheduleL/LoanTable/WrittenAgreement0true
IRS990ScheduleL/LoanTable/WrittenAgreement1true
IRS990ScheduleL/LoanTable/WrittenAgreement2true
IRS990ScheduleL/LoanTable/WrittenAgreement3true
IRS990ScheduleL/LoanTable/WrittenAgreement4true
IRS990ScheduleL/LoanTable/WrittenAgreement5true
IRS990ScheduleL/LoanTable/WrittenAgreement6true
IRS990ScheduleL/LoanTable/WrittenAgreement7true
IRS990ScheduleL/LoanTable/WrittenAgreement8true
IRS990ScheduleL/LoanTable/WrittenAgreement9true
IRS990ScheduleL/LoanTable/WrittenAgreement10true
IRS990ScheduleL/LoanTable/WrittenAgreement11true
IRS990ScheduleL/TotalBalanceDue0125440
IRS990ScheduleO/GeneralExplanation/Explanation0EACH MEMBER OF THE CREDIT UNION THAT MAINTAINS THE MINIMUM
IRS990ScheduleO/GeneralExplanation/Explanation1BALANCE IN THEIR SHARE ACCOUNT IS A SHAREHOLDER.
IRS990ScheduleO/GeneralExplanation/Explanation2MEMBERS PARTICIPATE IN THE ELECTION OF THE BOARD OF DIRECTORS
IRS990ScheduleO/GeneralExplanation/Explanation3AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation4THE PRESIDENT OF THE CREDIT UNION REVIEWS 990 PRIOR TO FILING.
IRS990ScheduleO/GeneralExplanation/Explanation5THE BOARD REVIEWS THE CEO COMPENSATION SURVEY GUIDE WHEN
IRS990ScheduleO/GeneralExplanation/Explanation6DETERMINING COMPENSATION.
IRS990ScheduleO/GeneralExplanation/Explanation7DAVE HENNESSEY 2547 CRYSTAL DRIVE JOLIET IL 60435 JIM FORBES 1538 BENZI COURT ROMEOVILLE IL 60446 MARY ANN BAILEY 211 MISSISSIPPI AVE. JOLIET IL 60433 BRENDA PIRY 18830 CARRIE COURT MOKENA IL 60448 GORDON MCCLUSKEY 821 JANICE AVENUE LOCKPORT IL 60441 JIM GLIWA 43 LAHINCH DRIVE LEMONT IL 60439 KENT IRVIN 17610 BICENTENNIAL DR. ELWOOD IL 60421 JANET SCHULER 705 VERTIN BLVD. SHOREWOOD IL 60404
IRS990ScheduleO/GeneralExplanation/Explanation8OTHER OPERATING EXP 34070. 34070. CASH OVER/SHORT -20. -20. MISCELLANEOUS 4247. 4247. NCUA PREMIUM 17206. 17206.
IRS990ScheduleO/GeneralExplanation/Identifier0Pt VI, Line 6
IRS990ScheduleO/GeneralExplanation/Identifier1Pt VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier2Pt VI, Line 11b

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$19,269,753
Liabilities
$17,797,080
Net assets
$1,472,673
Revenue
-
Expenses
$724,297
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$33.3$30.1$3.29$1.25$1.13$0.11
2023Detailed filing. Detailed filing data is available for this year.$33.4$30.2$3.17$1.11$1.02$0.09
2022Detailed filing. Detailed filing data is available for this year.$36.0$32.9$3.09$1.06$0.97$0.09
2021Detailed filing. Detailed filing data is available for this year.$36.7$33.7$3.00$1.00$0.84$0.16
2020Detailed filing. Detailed filing data is available for this year.$27.9$25.3$2.55$0.93$0.81$0.12
2019Detailed filing. Detailed filing data is available for this year.$23.6$21.2$2.43$1.00$0.83$0.17
2018Detailed filing. Detailed filing data is available for this year.$22.3$20.1$2.26$0.93$0.81$0.13
2017Detailed filing. Detailed filing data is available for this year.$22.8$20.6$2.13$0.83$0.73$0.10
2016Detailed filing. Detailed filing data is available for this year.$22.7$20.7$2.03$0.81$0.68$0.13
2015Detailed filing. Detailed filing data is available for this year.$21.4$19.5$1.90$0.79$0.63$0.16
2014Detailed filing. Detailed filing data is available for this year.$20.2$18.5$1.74$0.77$0.61$0.16
2013Detailed filing. Detailed filing data is available for this year.$19.5$18.0$1.58$0.75$0.64$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.3$17.8$1.47$0.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.6$17.2$1.43$0.90
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.8$17.3$1.50$0.86
2008Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.2$12.4$1.75$0.85