Civic Intelligence

Elite Community Credit Union

990 • Fiscal year 2010 • EIN 36-2478670

Jan 01, 2010 to Dec 31, 2010 • Filed on May 23, 2011

Organization ProfileWWW.ELITECCU.COM

View Organization Page

PO Box 19160901
Siviq Scores

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

Liabilities / Assets

37th percentile

0.84x

Higher debt load relative to assets than 37% of similar nonprofits.

2010 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets37th percentile

Assets

$11,758,123

No earlier filing loaded for comparison.

Net Assets

$1,852,660

No earlier filing loaded for comparison.

Liabilities

$9,905,463

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$618,836

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$30M$20M$10M$0Assets 2010: $11,758,123Liabilities 2010: $9,905,463Net Assets 2010: $1,852,6602010Assets 2011: $12,479,546Liabilities 2011: $10,630,998Net Assets 2011: $1,848,5482011Assets 2013: $13,662,459Liabilities 2013: $11,772,634Net Assets 2013: $1,889,8252013Assets 2014: $13,464,032Liabilities 2014: $11,538,995Net Assets 2014: $1,925,0372014Assets 2015: $13,905,281Liabilities 2015: $12,005,183Net Assets 2015: $1,900,0982015Assets 2016: $13,389,358Liabilities 2016: $11,485,387Net Assets 2016: $1,903,9712016Assets 2017: $14,573,636Liabilities 2017: $12,656,165Net Assets 2017: $1,917,4712017Assets 2018: $14,831,076Liabilities 2018: $12,889,274Net Assets 2018: $1,941,8022018Assets 2019: $15,066,358Liabilities 2019: $13,141,138Net Assets 2019: $1,925,2202019Assets 2020: $16,911,850Liabilities 2020: $14,993,359Net Assets 2020: $1,918,4912020Assets 2021: $21,068,479Liabilities 2021: $19,087,381Net Assets 2021: $1,981,0982021Assets 2022: $22,071,134Liabilities 2022: $20,003,798Net Assets 2022: $2,067,3362022Assets 2023: $23,001,009Liabilities 2023: $20,906,172Net Assets 2023: $2,094,8372023Assets 2024: $24,647,748Liabilities 2024: $22,489,463Net Assets 2024: $2,158,2852024

Highlighted filing

2010

Assets$11,758,123
Liabilities$9,905,463
Net Assets$1,852,660
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $618,8362010Expenses 2011: $601,3542011Revenue 2013: $670,818Expenses 2013: $642,602Net Income 2013: $28,2162013Revenue 2014: $698,709Expenses 2014: $663,497Net Income 2014: $35,2122014Revenue 2015: $699,658Expenses 2015: $724,597Net Income 2015: -$24,9392015Revenue 2016: $742,218Expenses 2016: $738,345Net Income 2016: $3,8732016Revenue 2017: $763,596Expenses 2017: $750,096Net Income 2017: $13,5002017Revenue 2018: $835,579Expenses 2018: $811,248Net Income 2018: $24,3312018Revenue 2019: $867,722Expenses 2019: $884,304Net Income 2019: -$16,5822019Revenue 2020: $892,533Expenses 2020: $899,262Net Income 2020: -$6,7292020Revenue 2021: $1,088,869Expenses 2021: $1,026,262Net Income 2021: $62,6072021Revenue 2022: $1,134,431Expenses 2022: $1,048,193Net Income 2022: $86,2382022Revenue 2023: $1,260,167Expenses 2023: $1,232,666Net Income 2023: $27,5012023Revenue 2024: $1,448,278Expenses 2024: $1,384,830Net Income 2024: $63,4482024

Highlighted filing

2010

Revenue-
Expenses$618,836
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
May 23, 2011
Return Version
2010v3.2
Gross Receipts
$613,236
Mission and Program Overview

Mission

Elite community credit union is committed to meet our members' financial needs and assist them in attaining their financial goals. We strive to provide the best services possible while maintaining long-term financial stability.

Filing and Contact Details

Filer

EIN
36-2478670
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IRS990ScheduleO/GeneralExplanation/Explanation0COGNIS CREDIT UNION IS COMMITTED TO MEET OUR MEMBERS' FINANCIAL NEEDS AND ASSIST THEM IN ATTAINING THEIR FINANCIAL GOALS. WE STRIVE TO PROVIDE THE BEST SERVICES POSSIBLE WHILE MAINTAINING LONG-TERM FINANCIAL STABILITY.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS A STATE OF ILLINOIS CHARTERED CREDIT UNION. MEMBERSHIP IS OPEN TO EMPLOYEES OR RETIREES OF COGNIS, ILLINOIS; OR HENKEL CORPORATION, ILLINOIS; EMPLOYEES OF THE COGNIS CREDIT UNION; SUN CHEMICAL, KANKAKEE, ILLINOIS; OR MICRO INKS, KANKAKEE, ILLINOIS; PARISHIONERS OF ST. MARTIN PARISH, KANKAKEE, ILLINOIS; EMPLOYEES OF SCHOOL DISTRICTS 53,61,AND 307 OR THE KANKAKEE AREA CAREER CENTER WHO WORK IN BRADLEY OR BOURBONNAIS, ILLINOIS; SPECIAL EDUCATION TEACHERS EMPLOYED BY KANKAKEE AREA SPECIAL EDUCATION COOPERATIVE WHO WORK IN SCHOOL DISTRICTS 53,61 AND 307 IN BRADLEY OR BOURBONNAIS, ILLINOIS; EMPLOYEES OF THE FOLLOWING GROUPS WHO WORK IN BOURBONNAIS, ILLINOIS: UNITED DEVELOPMENTAL SERVICES, OR OLIVET NAZARENE UNIVERSITY; EMPLOYEES OF THE KANKAKEE COUNTY TRAINING CENTER FOR THE DISABLED, INC., WHO WORK IN BRADLEY, ILLINOIS; EMPLOYEES OF THE BOURBONNAIS FIRE PROTECTION DISTRICT; AND FAMILY MEMBERS OF ELIGIBLE PERSONS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE ORGANIZATION FOLLOWS THE STANDARD BYLAWS AS SET FORTH BY THE STATE OF ILLINOIS. THE NUMBER OF DIRECTORS OF THIS CREDIT UNION SHALL BE 9. THE DIRECTORS SHALL BE ELECTED EACH YEAR AT THE ANNUAL MEETING OF THE MEMBERS HELD IN ACCORDANCE WITH ARTICLE IV OF THE ILLINOIS CREDIT UNION ACT - RULES AND REGULATIONS - STANDARD BYLAWS. THE DIRECTORS, UNLESS SOONER DISQUALIFIED OR REMOVED, SHALL HOLD OFFICE FOR THE TERM OF OFFICE FOR WHICH ELECTED AND UNTIL THEIR SUCCESSORS ARE ELECTED AND SHALL HAVE BEEN QUALIFIED.
IRS990ScheduleO/GeneralExplanation/Explanation3THE POLICIES AND PROCEDURES AT THE BRANCH LOCATION ARE CONSISTENT WITH THE MAIN LOCATION TO ENSURE UNIFORMITY.
IRS990ScheduleO/GeneralExplanation/Explanation4MANAGEMENT (PRESIDENT) REVIEWS THE FORM 990 BEFORE SIGNING AND SUBMITTING.
IRS990ScheduleO/GeneralExplanation/Explanation5THIS PROCESS INCLUDES A REVIEW AND APPROVAL BY (INDEPENDENT PERSON) THE BOARD OF DIRECTORS, COMPARABILITY DATA AND RECORDED IN THE MINUTES.
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IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
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IRS990ScheduleO/GeneralExplanation/Identifier5COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier6GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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IRS990/TotalOtherRevenue03469
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue0548471
IRS990/TotalReportableCompFromOrg061985
IRS990/TotalRevenueCurrentYear0613236
IRS990/TotalRevenue/ExclusionAmount061296
IRS990/TotalRevenuePriorYear0696013
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0551940
IRS990/TotalRevenue/TotalRevenueColumn0613236
IRS990/TransactionRelatedEntity0false
IRS990/Travel/Total06670
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0HTTP://WWW.COGNISCU.COM/
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01958
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0362478670
ReturnHeader/Filer/Name/BusinessNameLine10COGNIS CREDIT UNION
ReturnHeader/Filer/NameControl0COGN
ReturnHeader/Filer/Phone08159396049
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 191
ReturnHeader/Filer/USAddress/City0KANKAKEE
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode060901
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02011-05-23
ReturnHeader/Officer/Name0JEANNA ERWIN
ReturnHeader/Officer/Phone08159396049
ReturnHeader/Officer/Title0PRESIDENT/MANAGER
ReturnHeader/Preparer/DatePrepared02011-05-24
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10SMITH KOELLING DYKSTRA & OHM PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine101605 N CONVENT
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0BOURBONNAIS
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0IL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode060914
ReturnHeader/Preparer/Name0MARCIE MEENTS KOLBERG
ReturnHeader/Preparer/Phone08159371997
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02010-01-01
ReturnHeader/TaxPeriodEndDate02010-12-31
ReturnHeader/TaxYear02010
ReturnHeader/Timestamp02011-05-26T13:09:05-05:00

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$11,758,123
Liabilities
$9,905,463
Net assets
$1,852,660
Revenue
-
Expenses
$618,836
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$24.6$22.5$2.16$1.45$1.38$0.06
2023Detailed filing. Detailed filing data is available for this year.$23.0$20.9$2.09$1.26$1.23$0.03
2022Detailed filing. Detailed filing data is available for this year.$22.1$20.0$2.07$1.13$1.05$0.09
2021Detailed filing. Detailed filing data is available for this year.$21.1$19.1$1.98$1.09$1.03$0.06
2020Detailed filing. Detailed filing data is available for this year.$16.9$15.0$1.92$0.89$0.90$0.01
2019Detailed filing. Detailed filing data is available for this year.$15.1$13.1$1.93$0.87$0.88$0.02
2018Detailed filing. Detailed filing data is available for this year.$14.8$12.9$1.94$0.84$0.81$0.02
2017Detailed filing. Detailed filing data is available for this year.$14.6$12.7$1.92$0.76$0.75$0.01
2016Detailed filing. Detailed filing data is available for this year.$13.4$11.5$1.90$0.74$0.74$0.00
2015Detailed filing. Detailed filing data is available for this year.$13.9$12.0$1.90$0.70$0.72$0.02
2014Detailed filing. Detailed filing data is available for this year.$13.5$11.5$1.93$0.70$0.66$0.04
2013Detailed filing. Detailed filing data is available for this year.$13.7$11.8$1.89$0.67$0.64$0.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.5$10.6$1.85$0.60
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.8$9.91$1.85$0.62