Civic Intelligence

Elite Community Credit Union

990 • Fiscal year 2011 • EIN 36-2478670

Jan 01, 2011 to Dec 31, 2011 • Filed on Mar 10, 2012

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

39th percentile

0.85x

Higher debt load relative to assets than 39% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

75th percentile

6.1%

Faster asset growth than 75% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$12,479,546

Up $721,423 (+6.1%) from 2010

Net Assets

Down

$1,848,548

Down $4,112 (-0.2%) from 2010

Liabilities

Up

$10,630,998

Up $725,535 (+7.3%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$601,354

Down $17,482 (-2.8%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth75th percentile

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

2011

Assets$12,479,546
Liabilities$10,630,998
Net Assets$1,848,548
Open 2011 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

2011

Revenue-
Expenses$601,354
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Mar 10, 2012
Return Version
2011v1.2
Gross Receipts
$597,242
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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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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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/Explanation1COGNIS CREDIT UNION SERVES MEMBERS BY PROVIDING LOW COST FINANCIAL SERVICES SUCH AS SAVINGS ACCOUNTS, CHECKING ACCOUNTS, TIME DEPOSITS, AND LOANS.
IRS990ScheduleO/GeneralExplanation/Explanation2COGNIS CREDIT UNION CHANGED ITS NAME TO ENVISION CREDIT UNION IN FEBRUARY 2012.
IRS990ScheduleO/GeneralExplanation/Explanation3THE CREDIT UNION CONSISTS OF MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation4THE 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/Explanation5THE POLICIES AND PROCEDURES AT THE BRANCH LOCATION ARE CONSISTENT WITH THE MAIN LOCATION TO ENSURE UNIFORMITY.
IRS990ScheduleO/GeneralExplanation/Explanation6MANAGEMENT (PRESIDENT) REVIEWS THE FORM 990 BEFORE SIGNING AND SUBMITTING.
IRS990ScheduleO/GeneralExplanation/Explanation7THIS 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/Identifier7COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier8GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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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/DateSigned02012-03-10
ReturnHeader/Officer/Name0JEANNA ERWIN
ReturnHeader/Officer/Phone08159396049
ReturnHeader/Officer/Title0PRESIDENT/MANAGER
ReturnHeader/Preparer/DatePrepared02012-03-24
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/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-03-29T10:49:35-05:00

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$12,479,546
Liabilities
$10,630,998
Net assets
$1,848,548
Revenue
-
Expenses
$601,354
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