Civic Intelligence

Salt Creek Credit Union

EIN 36-2486382 • 501(c)14 • Westchester, IL

View Organization Page

Profile

To encourage thrift among members, to create a source of credit at a reasonable rate of interest, and to provide an opportunity for members to use and control their own money in order to improve their economic conditions.

3013 S Wolf RoadWestchester, IL 60154

www.sc-cu.org

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.93x

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

501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

75th percentile

23.62x

Higher debt load relative to revenue than 75% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

13th percentile

-24%

Higher net margin than 13% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

66th percentile

0.9%

Faster asset growth than 66% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

11th percentile

-15%

Faster revenue growth than 11% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$8,237,878

Up $76,391 (+0.9%) from 2014

Liabilities

Up

$7,699,680

Up $153,582 (+2.0%) from 2014

Net Assets

Down

$538,198

Down $77,191 (-13%) from 2014

Operations
Liabilities / Revenue75th percentileNet Margin13th percentile

Revenue

Down

$326,020

Down $57,338 (-15%) from 2014

Expenses

Down

$403,211

Down $3,284 (-0.8%) from 2014

Net Income

Down

-$77,191

Down $54,054 (-234%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

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

$10M$5.0M$0Assets 2010: $9,252,622Liabilities 2010: $8,224,086Net Assets 2010: $1,028,5362010Assets 2011: $9,338,811Liabilities 2011: $8,389,424Net Assets 2011: $949,3872011Assets 2012: $9,013,620Liabilities 2012: $8,331,813Net Assets 2012: $681,8072012Assets 2013: $8,659,969Liabilities 2013: $8,021,443Net Assets 2013: $638,5262013Assets 2014: $8,161,487Liabilities 2014: $7,546,098Net Assets 2014: $615,3892014Assets 2015: $8,237,878Liabilities 2015: $7,699,680Net Assets 2015: $538,1982015

Highlighted filing

2015

Assets$8,237,878
Liabilities$7,699,680
Net Assets$538,198
Open 2015 Filing

Operations Trend

Revenue Growth11th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $677,6062010Expenses 2011: $495,8612011Expenses 2012: $527,2562012Revenue 2013: $462,427Expenses 2013: $505,708Net Income 2013: -$43,2812013Revenue 2014: $383,358Expenses 2014: $406,495Net Income 2014: -$23,1372014Revenue 2015: $326,020Expenses 2015: $403,211Net Income 2015: -$77,1912015

Highlighted filing

2015

Revenue$326,020
Expenses$403,211
Net Income-$77,191
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,237,878
Liabilities
$7,699,680
Net assets
$538,198
Revenue
$326,020
Expenses
$403,211
Net income
-$77,191
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$8.24$7.70$0.54$0.33$0.40$0.08
2014Detailed filing. Detailed filing data is available for this year.$8.16$7.55$0.62$0.38$0.41$0.02
2013Detailed filing. Detailed filing data is available for this year.$8.66$8.02$0.64$0.46$0.51$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.01$8.33$0.68$0.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.34$8.39$0.95$0.50
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.25$8.22$1.03$0.68
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 11, 2016
Return Version
2015v2.1
Gross Receipts
$326,020
Mission and Program Overview

Mission

To encourage thrift among members, to create a source of credit at a reasonable rate of interest, and to provide an opportunity for members to use and control their own money in order to improve their economic conditions.

State chartered credit union to assist members in managing financial well-being

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,594,774$5,203,449▲ $608,675
Other Notes and Loans Receivable, Net$3,070,214$2,519,367▼ $550,847
Rtn Earn Endowment Incm Other Fnds$615,389$538,198▼ $77,191
Prepaid Expenses and Deferred Charges$204,617$227,586▲ $22,969
Cash and Non-Interest-Bearing Accounts$69,500$80,837▲ $11,337
Accounts Receivable$16,169$24,057▲ $7,888
Land, Buildings, and Equipment, Net$16,066$8,881▼ $7,185
Investments Other Securities$6,667$6,667→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$8,161,487$8,237,878▲ $76,391
Other Assets Total$183,480$167,034▼ $16,446
Liabilities
Other Liabilities$7,536,686$7,681,853▲ $145,167
Accounts Payable and Accrued Expenses$9,412$17,827▲ $8,415
Total Liabilities$7,546,098$7,699,680▲ $153,582
Net Assets / Fund Balance
Total Net Assets Fund Balance$615,389$538,198▼ $77,191
Total Liabilities and Net Assets / Fund Balance$8,161,487$8,237,878▲ $76,391

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$8,881$118,733$127,614
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert S WalkerPresident and TreasurerFT$57,931$3,706$61,637

Board Members and Trustees

NameTitle
John HubacekChairman
Lee O StapelBoard member
Luella HarrisBoard member
Paul SpencerBoard member
Thomas StillmanBoard member
Craig LiljestrandVice-Chariman
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$258,586
Investment Income
$67,434
Other Revenue
$0
Change in Net Assets
$-77,191
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$281,129
Salaries, Compensation, and Employee Benefits$122,082
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$61,637
Other Salaries and Wages---$46,696
Occupancy---$45,854
Office Expenses---$21,693
Fees for Services Accounting---$18,435
Payroll Taxes---$13,749
Insurance---$9,600
Advertising---$9,151
Other Expenses---$7,940
All Other Expenses---$7,854
Depreciation Depletion---$7,185
Conferences and Meetings---$202
Total Functional Expenses$0$0$0$403,211
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular shares$7,031,276
Share drafts$491,484
Christmas Club accounts$147,801
Certificates$11,292
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
Yes
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, Section A, line 6

“Credit Union membership is made up of account shareholders maintaining a required balance.”

Form 990, Part VI, Section A, line 7A

“Credit Union members elect the Board of Directors at the annual meeting.”

Form 990, Part VI, Section B, line 11

“The Form 990 was reviewed and approved by the President/Tresurer of the Credit Union prior to filing.”

Form 990, Part VI, Section B, line 15

“The Board of Directors uses comparable data to determine compensation for Credit Union employees.”

Form 990, Part VI, Section C, line 19

“All documents are available upon written request.”

Filing and Contact Details

Filer

Filer Name
Salt Creek Credit Union
EIN
36-2486382
Phone
7083564080
Address
3013 S Wolf Road, Westchester, IL 60154

Signing Officer

Name
Robert Walker
Title
President/Treasurer
Phone
7083564080
Signed
2016-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Walker
Formed
1960
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
6
Employees
4
Volunteers
6

Preparer

Firm
Desmond & Ahern Ltd
Address
10827 S Western Avenue, Chicago, IL 60643
Preparer
Dave Rambo
Phone
7737794720
Raw XML Appendix328 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt09412
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt017827
IRS990/AccountsReceivableGrp/BOYAmt016169
IRS990/AccountsReceivableGrp/EOYAmt024057
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0State chartered credit union to assist members in managing financial well-being
IRS990/AdvertisingGrp/TotalAmt09151
IRS990/AllOtherExpensesGrp/TotalAmt07854
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Robert Walker
IRS990/BooksInCareOfDetail/PhoneNum07083564080
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03013 S Wolf Road
IRS990/BooksInCareOfDetail/USAddress/CityNm0Westchester
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060154
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt069500
IRS990/CashNonInterestBearingGrp/EOYAmt080837
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt061637
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0202
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt067434
IRS990/CYOtherExpensesAmt0281129
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0258586
IRS990/CYRevenuesLessExpensesAmt0-77191
IRS990/CYSalariesCompEmpBnftPaidAmt0122082
IRS990/CYTotalExpensesAmt0403211
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0326020
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt07185
IRS990/Desc0Credit union makes and services consumer loans to members. Total number loans outstanding at 12/31/15 was 960 for a total of $2,656,142.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt018435
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt250.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt43.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
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/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt23706
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0John Hubacek
IRS990/Form990PartVIISectionAGrp/PersonNm1Craig Liljestrand
IRS990/Form990PartVIISectionAGrp/PersonNm2Robert S Walker
IRS990/Form990PartVIISectionAGrp/PersonNm3Lee O Stapel
IRS990/Form990PartVIISectionAGrp/PersonNm4Paul Spencer
IRS990/Form990PartVIISectionAGrp/PersonNm5Luella Harris
IRS990/Form990PartVIISectionAGrp/PersonNm6Thomas Stillman
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt257931
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice-Chariman
IRS990/Form990PartVIISectionAGrp/TitleTxt2President and Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board member
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01960
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0326020
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt09600
IRS990/InvestmentIncomeGrp/ExclusionAmt067434
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt067434
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06667
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06667
IRS990/IRPDocumentCnt0136
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0118733
IRS990/LandBldgEquipBasisNetGrp/BOYAmt016066
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08881
IRS990/LandBldgEquipCostOrOtherBssAmt0127614
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingOtherInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To encourage thrift among members, to create a source of credit at a reasonable rate of interest, and to provide an opportunity for members to use and control their own money in order to improve their economic conditions.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0615389
IRS990/NetAssetsOrFundBalancesEOYAmt0538198
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt045854
IRS990/OfficeExpensesGrp/TotalAmt021693
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0183480
IRS990/OtherAssetsTotalGrp/EOYAmt0167034
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Provision for loan loss
IRS990/OtherExpensesGrp/Desc1Program service fees
IRS990/OtherExpensesGrp/Desc2Other
IRS990/OtherExpensesGrp/Desc3Cost of real estate own
IRS990/OtherExpensesGrp/TotalAmt070320
IRS990/OtherExpensesGrp/TotalAmt160015
IRS990/OtherExpensesGrp/TotalAmt222880
IRS990/OtherExpensesGrp/TotalAmt37940
IRS990/OtherLiabilitiesGrp/BOYAmt07536686
IRS990/OtherLiabilitiesGrp/EOYAmt07681853
IRS990/OtherOrganizationDsc0cooperative
IRS990/OtherSalariesAndWagesGrp/TotalAmt046696
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03070214
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02519367
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt013749
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0204617
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0227586
IRS990/PrincipalOfficerNm0Robert Walker
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522190
IRS990/ProgramServiceRevenueGrp/BusinessCd1522190
IRS990/ProgramServiceRevenueGrp/Desc0Int-loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Fees & service charges
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0198331
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt160255
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0198331
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt160255
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 12/31/2015 was 2,702 for a total of $7,681,853.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt052756
IRS990/PYOtherExpensesAmt0285103
IRS990/PYOtherRevenueAmt042649
IRS990/PYProgramServiceRevenueAmt0287953
IRS990/PYRevenuesLessExpensesAmt0-23137
IRS990/PYSalariesCompEmpBnftPaidAmt0121392
IRS990/PYTotalExpensesAmt0406495
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0383358
IRS990/ReconcilationRevenueExpnssAmt0-77191
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0615389
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0538198
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04594774
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05203449
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt08881
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0118733
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0127614
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07031276
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1491484
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2147801
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt311292
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Regular shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Christmas Club accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Certificates
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08881
IRS990ScheduleD/TotalLiabilityAmt07681853
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit Union membership is made up of account shareholders maintaining a required balance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Credit Union members elect the Board of Directors at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Form 990 was reviewed and approved by the President/Tresurer of the Credit Union prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of Directors uses comparable data to determine compensation for Credit Union employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4All documents are available upon written request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt08161487
IRS990/TotalAssetsEOYAmt08237878
IRS990/TotalAssetsGrp/BOYAmt08161487
IRS990/TotalAssetsGrp/EOYAmt08237878
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0403211
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07546098
IRS990/TotalLiabilitiesEOYAmt07699680
IRS990/TotalLiabilitiesGrp/BOYAmt07546098
IRS990/TotalLiabilitiesGrp/EOYAmt07699680
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0615389
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0538198
IRS990/TotalOtherCompensationAmt03706
IRS990/TotalProgramServiceRevenueAmt0258586
IRS990/TotalReportableCompFromOrgAmt057931
IRS990/TotalRevenueGrp/ExclusionAmt067434
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0258586
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0326020
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08161487
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08237878
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03013 S Wolf Road
IRS990/USAddress/CityNm0Westchester
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060154
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.sc-cu.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Robert Walker
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum07083564080
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Salt Creek Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SALT
ReturnHeader/Filer/EIN0362486382
ReturnHeader/Filer/PhoneNum07083564080
ReturnHeader/Filer/USAddress/AddressLine1Txt03013 S Wolf Road
ReturnHeader/Filer/USAddress/CityNm0Westchester
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060154
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0363321958
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Desmond & Ahern Ltd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010827 S Western Avenue
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Chicago
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060643
ReturnHeader/PreparerPersonGrp/PhoneNum07737794720
ReturnHeader/PreparerPersonGrp/PreparationDt02016-11-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Dave Rambo
ReturnHeader/ReturnTs02016-11-11T09:56:19-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.