Civic Intelligence

Canals & Trails Credit Union

990 • Fiscal year 2017 • EIN 36-2473242

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 02, 2018

Organization Profilewww.canals-trailscu.org

View Organization Page

838 South State StreetLockport, IL 60441

(815) 838-7159

Siviq Scores

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

Liabilities / Assets

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

74th percentile

24.87x

Higher debt load relative to revenue than 74% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

73rd percentile

12%

Higher net margin than 73% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

51st percentile

$74,548

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

41st percentile

0.4%

Faster asset growth than 41% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

41st percentile

2.3%

Faster revenue growth than 41% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$22,778,160

Up $87,060 (+0.4%) from 2016

Net Assets

Up

$2,131,128

Up $100,264 (+4.9%) from 2016

Liabilities

Down

$20,647,032

Down $13,204 (-0.1%) from 2016

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin73rd percentile

Revenue

Up

$830,222

Up $18,857 (+2.3%) from 2016

Expenses

Up

$729,958

Up $48,628 (+7.1%) from 2016

Net Income

Down

$100,264

Down $29,771 (-23%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth41st 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

2017

Assets$22,778,160
Liabilities$20,647,032
Net Assets$2,131,128
Open 2017 Filing

Operations Trend

Revenue Growth41st percentile

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

2017

Revenue$830,222
Expenses$729,958
Net Income$100,264
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 2, 2018
Return Version
2017v2.2
Gross Receipts
$835,618
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$11,279,000$10,953,000▼ $326,000
Other Notes and Loans Receivable, Net$9,666,114$9,851,484▲ $185,370
Rtn Earn Endowment Incm Other Fnds$2,030,864$2,131,128▲ $100,264
Land, Buildings, and Equipment, Net$133,139$873,584▲ $740,445
Savings and Temporary Cash Investments$1,077,274$513,953▼ $563,321
Cash and Non-Interest-Bearing Accounts$84,660$201,280▲ $116,620
Receivables From Officers Etc$163,025$102,770▼ $60,255
Prepaid Expenses and Deferred Charges$33,684$27,706▼ $5,978
Total Assets$22,691,100$22,778,160▲ $87,060
Other Assets Total$254,204$254,383▲ $179
Liabilities
Other Liabilities$20,623,128$20,586,953▼ $36,175
Accounts Payable and Accrued Expenses$37,108$60,079▲ $22,971
Total Liabilities$20,660,236$20,647,032▼ $13,204
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,030,864$2,131,128▲ $100,264
Total Liabilities and Net Assets / Fund Balance$22,691,100$22,778,160▲ $87,060

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$808,966$124,122$933,088
Other Land Buildings$23,081$329,158$352,239
Equipment$23,629$143,458$167,087
Land$17,908-$17,908
Investment Program Related Org$10,923,000--
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Janet SchulerPresidentFT$72,074$2,474$74,548

Board Members and Trustees

NameTitle
David HennesseyChairman
Kent IrvinVice Chairman
Brenda PiryDirector
James GliwaDirector
Jim WartenbergDirector
Mary Ann BaileySecretary
Max WoodsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$604,291
Investment Income
$175,048
Other Revenue
$50,883
Change in Net Assets
$100,264
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$437,704
Salaries, Compensation, and Employee Benefits$292,254
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$188,537--$188,537
Office Expenses$122,530--$122,530
Current Officers, Directors, Trustees, and Key Employees$74,548$0$0$74,548
All Other Expenses$66,771--$66,771
Occupancy$55,310--$55,310
Depreciation Depletion$24,286--$24,286
Advertising$22,737--$22,737
Payroll Taxes$20,467--$20,467
Insurance$17,775--$17,775
Interest$16,768--$16,768
Other Expenses$9,881--$9,881
Fees for Services Other$8,074--$8,074
Pension Plan Contributions$7,220--$7,220
Fees for Services Accounting$6,650--$6,650
Conferences and Meetings$5,144--$5,144
Other Employee Benefits$1,482--$1,482
Fees for Service Investment Mgmnt Fees$1,253--$1,253
Travel$1,019--$1,019
Total Functional Expenses$729,958$0$0$729,958
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$163,025$102,770▼ $60,255
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$13,278,878
Money Markets$2,726,847
Drafts$1,673,390
Certificates of Deposit$1,261,454
Club Accounts$1,143,443
Ira Shares$502,941
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 9

“Dave hennessey 2547 crystal drive joliet il 60435”

Form 990, Part VI, Line 9

“Max woods 527 rhonda drive lockport il 60441”

Form 990, Part VI, Line 9

“Mary ann bailey 211 mississippi ave. Joliet il 60433”

Form 990, Part VI, Line 9

“Brenda piry 18830 carrie court mokena il 60448”

Form 990, Part VI, Line 9

“James gliwa 43 lahinch drive lemont il 60439”

Form 990, Part VI, Line 9

“Jim waretenberg 312 south hamilton st lockport il 60439”

Form 990, Part VI, Line 9

“Kent irvin 17610 bicentennial dr. Elwood il 60421”

Form 990, Part VI, Line 9

“Janet schuler 705 vertin blvd. Shorewood il 60404”

Filing and Contact Details

Filer

Filer Name
Canals & Trails Credit Union
EIN
36-2473242
Phone
8158387159
Address
838 SOUTH STATE STREET, LOCKPORT, IL 60441

Signing Officer

Name
Janet Schuler
Title
President
Phone
8158387159
Signed
2018-04-02
Discuss with paid preparer
Yes

Organization Details

Formed
1956
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
7

Preparer

Firm
Homer Wilson & Co Ltd
Address
900 RIDGE ROAD SUITE S, MUNSTER, IN 46321-1727
Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Each memeber of the credit union that maintains the minimum balance in their account is a shareholder”

Pt VI, Line 7A

“Members participate in the election of the board of directors at the annual meeting”

Pt VI, Line 11B

“The president of the credit union reviews the 990 prior to filing”

Pt VI, Line 15A

“The board reviews the ceo compensation survey guide when determining compensation”

Pt XI

“The supervisory committee oversees the annual audit”

Form 990, Part IX, Line 24E

“Other operating exp 59153. 59153.”

Form 990, Part IX, Line 24E

“Cash over/short -190. -190.”

Form 990, Part IX, Line 24E

“Miscellaneous 7466. 7466.”

Form 990, Part IX, Line 24E

“Negative shares 342. 342.”

Raw XML AppendixShowing 400 of 484 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/OthNotesLoansReceivableNetGrp/EOYAmt09851484
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt020467
IRS990/PayrollTaxesGrp/TotalAmt020467
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt07220
IRS990/PensionPlanContributionsGrp/TotalAmt07220
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt033684
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt027706
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0JANET SCHULER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522190
IRS990/ProgramServiceRevenueGrp/BusinessCd1522190
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & SERVICES
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0493801
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1110490
IRS990/ProgSrvcAccomActy2Grp/Desc0CREDIT UNION PAYS OUT DIVIDENDS TO ITS MEMBERS ON SHARE DEPOSIT ACCOUNTS AT A MARKET RATE OF INTEREST. TOTAL NUMBER OF SHARE ACCOUNTS AT 12/31/17 WERE 4,707 FOR A TOTAL OF $20,586,953. THE CREDIT UNION ALSO OFFERS CERTIFICATES OF DEPOSITS, IRA ACCOUNTS, CLUB ACCOUNTS, AND MONEY MARKET ACCOUNTS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0148717
IRS990/PYOtherExpensesAmt0403523
IRS990/PYOtherRevenueAmt051469
IRS990/PYProgramServiceRevenueAmt0611179
IRS990/PYRevenuesLessExpensesAmt0130035
IRS990/PYSalariesCompEmpBnftPaidAmt0277807
IRS990/PYTotalExpensesAmt0681330
IRS990/PYTotalRevenueAmt0811365
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0163025
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0102770
IRS990/ReconcilationRevenueExpnssAmt0100264
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-4496
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02030864
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02131128
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01077274
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0513953
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0808966
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0124122
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0933088
IRS990ScheduleD/EquipmentGrp/BookValueAmt023629
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0143458
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0167087
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt030000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt110923000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0ALLOYA PERMANENT CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt017908
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt017908
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt023081
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0329158
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0352239
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013278878
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11143443
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21673390
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32726847
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41261454
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5502941
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLUB ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MONEY MARKETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5IRA SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0873584
IRS990ScheduleD/TotalBookValueProgramRltdAmt010953000
IRS990ScheduleD/TotalLiabilityAmt020586953
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03924
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt14061
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt25107
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt326197
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt435018
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt510514
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt617949
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SIGNATURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1USED AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3NEW AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5OVERDRAFT LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6NEW AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt05000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt18582
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt241700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt331133
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt440000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt5300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt622000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt725000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MARY ANN BAILEY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1KENT IRVIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2KENT IRVIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3KENT IRVIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JANET SCHULER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5BRENDA PIRY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6BRENDA PIRY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7MAX WOODS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0SECRETARY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1VICE-CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2VICE-CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3VICE-CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/TotalBalanceDueAmt0102770
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EACH MEMEBER OF THE CREDIT UNION THAT MAINTAINS THE MINIMUM BALANCE IN THEIR ACCOUNT IS A SHAREHOLDER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS PARTICIPATE IN THE ELECTION OF THE BOARD OF DIRECTORS AT THE ANNUAL MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE PRESIDENT OF THE CREDIT UNION REVIEWS THE 990 PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD REVIEWS THE CEO COMPENSATION SURVEY GUIDE WHEN DETERMINING COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE SUPERVISORY COMMITTEE OVERSEES THE ANNUAL AUDIT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DAVE HENNESSEY 2547 CRYSTAL DRIVE JOLIET IL 60435
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MAX WOODS 527 RHONDA DRIVE LOCKPORT IL 60441
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MARY ANN BAILEY 211 MISSISSIPPI AVE. JOLIET IL 60433
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BRENDA PIRY 18830 CARRIE COURT MOKENA IL 60448
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9JAMES GLIWA 43 LAHINCH DRIVE LEMONT IL 60439
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10JIM WARETENBERG 312 SOUTH HAMILTON ST LOCKPORT IL 60439
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11KENT IRVIN 17610 BICENTENNIAL DR. ELWOOD IL 60421
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12JANET SCHULER 705 VERTIN BLVD. SHOREWOOD IL 60404
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13OTHER OPERATING EXP 59153. 59153.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14CASH OVER/SHORT -190. -190.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15MISCELLANEOUS 7466. 7466.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16NEGATIVE SHARES 342. 342.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part VI, Line 9

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$22,778,160
Liabilities
$20,647,032
Net assets
$2,131,128
Revenue
$830,222
Expenses
$729,958
Net income
$100,264
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