Civic Intelligence

Aurora Firefighters Credit Union

990 • Fiscal year 2017 • EIN 36-2491990

Jan 01, 2017 to Dec 31, 2017 • Filed on May 10, 2018

Organization ProfileN/A
88 N LA Salle StAurora, IL 60505-3333

(630) 892-7220

Siviq Scores

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

Liabilities / Assets

78th percentile

0.89x

Higher debt load relative to assets than 78% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

71st percentile

23.26x

Higher debt load relative to revenue than 71% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Net Margin

77th percentile

14%

Higher net margin than 77% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

30th percentile

$14,758

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 20.5% of source-year revenue.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Asset Growth

34th percentile

-2.9%

Faster asset growth than 34% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

87th percentile

11%

Faster revenue growth than 87% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets78th percentile

Assets

Down

$1,891,954

Down $56,266 (-2.9%) from 2016

Net Assets

Up

$215,873

Up $9,920 (+4.8%) from 2016

Liabilities

Down

$1,676,081

Down $66,186 (-3.8%) from 2016

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin77th percentile

Revenue

Up

$72,054

Up $7,052 (+11%) from 2016

Expenses

Down

$62,134

Down $8,494 (-12%) from 2016

Net Income

Up

$9,920

Up $15,546 (+276%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth34th percentile

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

$3.0M$2.0M$1.0M$0Assets 2013: $1,929,469Liabilities 2013: $1,726,970Net Assets 2013: $202,4992013Assets 2014: $1,892,357Liabilities 2014: $1,686,603Net Assets 2014: $205,7542014Assets 2015: $1,895,958Liabilities 2015: $1,684,379Net Assets 2015: $211,5792015Assets 2016: $1,948,220Liabilities 2016: $1,742,267Net Assets 2016: $205,9532016Assets 2017: $1,891,954Liabilities 2017: $1,676,081Net Assets 2017: $215,8732017Assets 2018: $2,046,820Liabilities 2018: $1,815,376Net Assets 2018: $231,4442018Assets 2019: $2,092,991Liabilities 2019: $1,839,906Net Assets 2019: $253,0852019Assets 2020: $2,215,152Liabilities 2020: $1,955,063Net Assets 2020: $260,0892020Assets 2021: $2,444,495Liabilities 2021: $2,166,707Net Assets 2021: $277,7882021Assets 2022: $2,443,288Liabilities 2022: $2,158,420Net Assets 2022: $284,8682022Assets 2023: $2,521,971Liabilities 2023: $2,192,964Net Assets 2023: $329,0072023Assets 2024: $2,609,685Liabilities 2024: $2,235,192Net Assets 2024: $374,4932024

Highlighted filing

2017

Assets$1,891,954
Liabilities$1,676,081
Net Assets$215,873
Open 2017 Filing

Operations Trend

Revenue Growth87th percentile

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

$150K$100K$50K$0-$50KRevenue 2013: $61,987Expenses 2013: $62,506Net Income 2013: -$5192013Revenue 2014: $63,652Expenses 2014: $60,397Net Income 2014: $3,2552014Revenue 2015: $67,730Expenses 2015: $63,406Net Income 2015: $4,3242015Revenue 2016: $65,002Expenses 2016: $70,628Net Income 2016: -$5,6262016Revenue 2017: $72,054Expenses 2017: $62,134Net Income 2017: $9,9202017Revenue 2018: $78,342Expenses 2018: $62,771Net Income 2018: $15,5712018Revenue 2019: $96,250Expenses 2019: $74,609Net Income 2019: $21,6412019Revenue 2020: $91,074Expenses 2020: $84,070Net Income 2020: $7,0042020Revenue 2021: $97,048Expenses 2021: $79,349Net Income 2021: $17,6992021Revenue 2022: $84,821Expenses 2022: $77,741Net Income 2022: $7,0802022Revenue 2023: $129,783Expenses 2023: $85,644Net Income 2023: $44,1392023Revenue 2024: $143,304Expenses 2024: $97,818Net Income 2024: $45,4862024

Highlighted filing

2017

Revenue$72,054
Expenses$62,134
Net Income$9,920
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 10, 2018
Return Version
2017v2.2
Gross Receipts
$72,054
Mission and Program Overview

Mission

Credit union operated without profit for mutual purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,133,948$980,998▼ $152,950
Savings and Temporary Cash Investments$518,590$600,417▲ $81,827
Rtn Earn Endowment Incm Other Fnds$205,953$215,873▲ $9,920
Cash and Non-Interest-Bearing Accounts$117,486$161,449▲ $43,963
Receivables From Officers Etc$103,758$75,288▼ $28,470
Investments Program Related$66,826$67,403▲ $577
Prepaid Expenses and Deferred Charges$5,112$3,899▼ $1,213
Total Assets$1,948,220$1,891,954▼ $56,266
Other Assets Total$2,500$2,500→ $0
Liabilities
Other Liabilities$1,740,253$1,676,081▼ $64,172
Accounts Payable and Accrued Expenses$2,014--
Total Liabilities$1,742,267$1,676,081▼ $66,186
Net Assets / Fund Balance
Total Net Assets Fund Balance$205,953$215,873▲ $9,920
Total Liabilities and Net Assets / Fund Balance$1,948,220$1,891,954▼ $56,266
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Denine ChambersChief Operations OfficerPT$14,758$14,758

Board Members and Trustees

NameTitle
Peter Hoffman SrChairman
Raymond GarnerVice-Chairman
Daniel KelloggDirector
David RyghDirector
John BoniorDirector
Philip BergeronDirector
Ricardo TorresDirector
Steven KoeberlDirector
Steven MalatiaDirector
Robert DunnSecretary
Cletus RettenmeierTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$64,498
Investment Income
$7,556
Other Revenue
$0
Change in Net Assets
$9,920
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$35,358
Salaries, Compensation, and Employee Benefits$26,776
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$14,758--$14,758
Office Expenses$13,101$0$0$13,101
Other Salaries and Wages$9,906$0$0$9,906
All Other Expenses$7,865$0$0$7,865
Insurance$3,631$0$0$3,631
Payroll Taxes$2,112$0$0$2,112
Other Expenses$1,723$0$0$1,723
Fees for Services Accounting$250$0$0$250
Total Functional Expenses$62,134$0$0$62,134
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$103,758$75,288▼ $28,470
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$1,676,081
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
No
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
Filing and Contact Details

Filer

Filer Name
Aurora Firefighters Credit Union
EIN
36-2491990
Phone
6308927220
Address
88 N LA SALLE ST, AURORA, IL 60505-3333

Signing Officer

Name
Denine M Chambers
Title
Chief Operations Officer
Phone
6308927220
Signed
2018-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cletus a Rettenmeier
Formed
1939
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
11
Employees
3
Volunteers
15

Preparer

Firm
Jon N Will & Associates Inc
Address
1525 E 53rd St Suite 526, Chicago, IL 60615-4575
Preparer
Jon N Will
Phone
7736438089
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“As a credit union all the members are shareholders.”

Pt VI, Line 7A

“As a credit union the members vote to elect the governing body.”

Pt VI, Line 11B

“Form 990 is reviewed by senior management before it's submitted to the IRS. Further it will be submitted to the governing body at its next regular monthly meeting. Also this 990 form is very similar to NCUA's 5300 report which every credit union files quarterly and is reviewed quarterly by the governing body.”

Pt VI, Line 19

“All financial statements, governing documants, Board of Directors meeting minutes,etc. are available to the members in the credit union's office during normal business hours.”

Form 990, Part IX, Line 24E

“Bank Processing Fees 3577. 3577. 0. 0.”

Form 990, Part IX, Line 24E

“Misc Exp 1660. 1660. 0. 0.”

Form 990, Part IX, Line 24E

“Association Dues 2628. 2628. 0. 0.”

Raw XML AppendixShowing 400 of 471 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/Desc0GRANTED 30 CLOSED END LOANS TO MEMBERS FOR VARIOUS PROVIDENT PURPOSES TOTALLING $328,737. INCREASED VISA CREDIT CARD PROGRAM TO 87 ACCOUNTS WITH OUTSTANDING YEAR END BALANCE OF $168,993 WITH A TOTAL DELINQUENCY RATE OF .9% DOWN FROM 4.9%. THERE WAS 1 LOSS IN THE VISA PROGRAM FOR $5,059. WHILE TOTAL SALES VOLUME WAS $258,139, AN INCREASE OF $33,875. FROM 2016.
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IRS990/ProgSrvcAccomActy2Grp/Desc0RECEIVED SAVINGS DEPOSITS AND CERTIFICATE OF DEPOSIT DEPOSITS FROM 461 MEMBERS, A NET INCREASE OF 4 FROM 2016. AT THE SAME TIME TOTAL MEMBER DEPOSITS DECREASED BY $66,186. FROM 2016.
IRS990/ProgSrvcAccomActy3Grp/Desc0DELINQUENCY RATE ON OUTSTANDING LOANS, OTHER THAN VISA, DECREASED TO .3% IN 2017, WHICH IS THE LOWEST RATE IN THE CU'S HISTORY.
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Credit Card
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Credit Card
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Credit Card
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt110000
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt723000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt810000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt93000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1034425
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0PETER HOFFMAN SR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JOHN BONIOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2CLETUS RETTEMIER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3RICARDO TORRES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4STEVEN KOEBERL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5DANIEL KELLOGG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6RICARDO TORRES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7JOHN BONIOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8RAYMOND GARNER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9ROBT DUNN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10STEVEN MALATIA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Director
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8Director
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0As a credit union all the members are shareholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1As a credit union the members vote to elect the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is reviewed by senior management before it's submitted to the IRS. Further it will be submitted to the governing body at its next regular monthly meeting. Also this 990 form is very similar to NCUA's 5300 report which every credit union files quarterly and is reviewed quarterly by the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3All financial statements, governing documants, Board of Directors meeting minutes,etc. are available to the members in the credit union's office during normal business hours.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Bank Processing Fees 3577. 3577. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Misc Exp 1660. 1660. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Association Dues 2628. 2628. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,891,954
Liabilities
$1,676,081
Net assets
$215,873
Revenue
$72,054
Expenses
$62,134
Net income
$9,920
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.61$2.24$0.37$0.14$0.10$0.05
2023Detailed filing. Detailed filing data is available for this year.$2.52$2.19$0.33$0.13$0.09$0.04
2022Detailed filing. Detailed filing data is available for this year.$2.44$2.16$0.28$0.08$0.08$0.01
2021Detailed filing. Detailed filing data is available for this year.$2.44$2.17$0.28$0.10$0.08$0.02
2020Detailed filing. Detailed filing data is available for this year.$2.22$1.96$0.26$0.09$0.08$0.01
2019Detailed filing. Detailed filing data is available for this year.$2.09$1.84$0.25$0.10$0.07$0.02
2018Detailed filing. Detailed filing data is available for this year.$2.05$1.82$0.23$0.08$0.06$0.02
2017Detailed filing. Detailed filing data is available for this year.$1.89$1.68$0.22$0.07$0.06$0.01
2016Detailed filing. Detailed filing data is available for this year.$1.95$1.74$0.21$0.07$0.07$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.90$1.68$0.21$0.07$0.06$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.89$1.69$0.21$0.06$0.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.93$1.73$0.20$0.06$0.06$0.00