Civic Intelligence

Streator Onized Credit Union

EIN 36-2494471 • 501(c)14 • Streator, IL

View Organization Page

Profile

Credit Union will provide quality financial services that will enhance the economic and social well-being of the members and communities that it serves.

912 N ShabbonaStreator, IL 61364

www.socu.org

Siviq Scores

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

Liabilities / Assets

11th percentile

0.85x

Higher debt load relative to assets than 11% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

15th percentile

12.15x

Higher debt load relative to revenue than 15% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

95th percentile

27%

Higher net margin than 95% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

60th percentile

3.9%

Faster asset growth than 60% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

48th percentile

14%

Faster revenue growth than 48% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$335,438,347

Up $12,569,433 (+3.9%) from 2021

Liabilities

Up

$284,638,112

Up $6,581,704 (+2.4%) from 2021

Net Assets

Up

$50,800,235

Up $5,987,729 (+13%) from 2021

Operations
Liabilities / Revenue15th percentileNet Margin95th percentile

Revenue

Up

$23,425,097

Up $2,958,185 (+14%) from 2021

Expenses

Up

$17,003,612

Up $2,342,182 (+16%) from 2021

Net Income

Up

$6,421,485

Up $616,003 (+11%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth60th percentile

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

$400M$300M$200M$100M$0Assets 2011: $162,573,776Liabilities 2011: $143,120,433Net Assets 2011: $19,453,3432011Assets 2012: $178,305,084Liabilities 2012: $156,897,755Net Assets 2012: $21,407,3292012Assets 2013: $185,477,143Liabilities 2013: $162,413,951Net Assets 2013: $23,063,1922013Assets 2014: $194,935,270Liabilities 2014: $169,977,178Net Assets 2014: $24,958,0922014Assets 2015: $200,431,029Liabilities 2015: $173,497,434Net Assets 2015: $26,933,5952015Assets 2016: $212,228,508Liabilities 2016: $183,233,849Net Assets 2016: $28,994,6592016Assets 2017: $228,422,060Liabilities 2017: $197,446,945Net Assets 2017: $30,975,1152017Assets 2018: $231,129,028Liabilities 2018: $197,758,199Net Assets 2018: $33,370,8292018Assets 2019: $254,906,098Liabilities 2019: $218,867,032Net Assets 2019: $36,039,0662019Assets 2020: $293,051,201Liabilities 2020: $253,995,189Net Assets 2020: $39,056,0122020Assets 2021: $322,868,914Liabilities 2021: $278,056,408Net Assets 2021: $44,812,5062021Assets 2022: $335,438,347Liabilities 2022: $284,638,112Net Assets 2022: $50,800,2352022

Highlighted filing

2022

Assets$335,438,347
Liabilities$284,638,112
Net Assets$50,800,235
Open 2022 Filing

Operations Trend

Revenue Growth48th percentile

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

$30M$20M$10M$0Expenses 2011: $7,432,9342011Expenses 2012: $7,068,9432012Revenue 2013: $8,926,448Expenses 2013: $7,270,585Net Income 2013: $1,655,8632013Revenue 2014: $9,515,910Expenses 2014: $7,621,010Net Income 2014: $1,894,9002014Revenue 2015: $10,470,157Expenses 2015: $8,494,654Net Income 2015: $1,975,5032015Revenue 2016: $11,103,352Expenses 2016: $9,042,288Net Income 2016: $2,061,0642016Revenue 2017: $12,294,722Expenses 2017: $10,314,266Net Income 2017: $1,980,4562017Revenue 2018: $14,286,691Expenses 2018: $11,885,366Net Income 2018: $2,401,3252018Revenue 2019: $16,385,295Expenses 2019: $13,721,311Net Income 2019: $2,663,9842019Revenue 2020: $18,274,634Expenses 2020: $15,260,537Net Income 2020: $3,014,0972020Revenue 2021: $20,466,912Expenses 2021: $14,661,430Net Income 2021: $5,805,4822021Revenue 2022: $23,425,097Expenses 2022: $17,003,612Net Income 2022: $6,421,4852022

Highlighted filing

2022

Revenue$23,425,097
Expenses$17,003,612
Net Income$6,421,485
Open 2022 Filing

Filings

Most recent year

2022 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$335,438,347
Liabilities
$284,638,112
Net assets
$50,800,235
Revenue
$23,425,097
Expenses
$17,003,612
Net income
$6,421,485
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$335$285$50.8$23.4$17.0$6.42
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$323$278$44.8$20.5$14.7$5.81
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$293$254$39.1$18.3$15.3$3.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$255$219$36.0$16.4$13.7$2.66
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$231$198$33.4$14.3$11.9$2.40
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$228$197$31.0$12.3$10.3$1.98
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$212$183$29.0$11.1$9.04$2.06
2015Detailed filing. Detailed filing data is available for this year.$200$173$26.9$10.5$8.49$1.98
2014Detailed filing. Detailed filing data is available for this year.$195$170$25.0$9.52$7.62$1.89
2013Detailed filing. Detailed filing data is available for this year.$185$162$23.1$8.93$7.27$1.66
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$178$157$21.4$7.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$143$19.5$7.43
Latest Detailed Filing

The latest 2022 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2021 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 12, 2022
Return Version
2021v4.0
Gross Receipts
$21,420,291
Mission and Program Overview

Mission

Credit Union will provide quality financial services that will enhance the economic and social well-being of the members and communities that it serves.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$221,481,654$231,761,085▲ $10,279,431
Savings and Temporary Cash Investments$44,408,586$53,424,743▲ $9,016,157
Rtn Earn Endowment Incm Other Fnds$39,056,012$44,812,506▲ $5,756,494
Investments Other Securities$0$13,317,589▲ $13,317,589
Land, Buildings, and Equipment, Net$6,727,196$7,417,037▲ $689,841
Investments in Publicly Traded Securities$8,554,989$6,250,329▼ $2,304,660
Cash and Non-Interest-Bearing Accounts$3,870,356$5,023,342▲ $1,152,986
Accounts Receivable$5,594,955$2,325,367▼ $3,269,588
Prepaid Expenses and Deferred Charges$1,047,106$1,622,360▲ $575,254
Receivables From Officers Etc$304,467$598,212▲ $293,745
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$293,051,201$322,868,914▲ $29,817,713
Other Assets Total$1,061,892$1,128,850▲ $66,958
Liabilities
Other Liabilities$251,399,873$275,596,908▲ $24,197,035
Accounts Payable and Accrued Expenses$2,595,316$2,459,353▼ $135,963
Escrow Account Liability$0$147▲ $147
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$253,995,189$278,056,408▲ $24,061,219
Net Assets / Fund Balance
Total Net Assets Fund Balance$39,056,012$44,812,506▲ $5,756,494
Total Liabilities and Net Assets / Fund Balance$293,051,201$322,868,914▲ $29,817,713

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$3,172,965$1,231,387$4,404,352
Buildings$1,967,376$2,295,083$4,262,459
Equipment$1,499,859$2,233,260$3,733,119
Land$718,888-$718,888
Leasehold Improvements$57,949$22,234$80,183
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kathleen Lucasformer CEO-$277,926$10,121$277,926
Douglas PattersonCEOFT$159,507$18,648$159,507
Angela KusnerickVP Compliance/Member RelationsFT$122,090$24,395$146,485
Mandi AlbertVP of LendingFT$126,477$18,576$145,053
Andrew ThreagillCIOFT$104,981$28,151$133,132
Cheryl DavisCFOFT$121,132$11,393$132,525

Board Members and Trustees

NameTitle
Michael RalphChairman
Harry GodfreyVice Chairman
Don LuckeyBoard Member
Robert LeeBoard Member
Scott BulthuisBoard Member
Tony MilesBoard Treasurer
Nathan DarrowSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Transunionsecurity servicesPO Box 643543, Pittsburgh, PA 15264-3543$124,756
-Credit ReportsPO Box 99506, Chicago, IL 60693-9506$118,177
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,172,712
Investment Income
$278,155
Other Revenue
$16,045
Change in Net Assets
$5,805,482

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,438,637
Revenue Not Reported on Financial Statements
$28,275
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$28,275
Total Revenue per Audited Statements
$20,438,637
Total Revenue per Form 990
$20,466,912
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,067,180
Salaries, Compensation, and Employee Benefits$6,594,250
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,199,620
Current Officers, Directors, Trustees, and Key Employees---$957,947
Depreciation Depletion---$810,392
Other Employee Benefits---$803,627
Information Technology---$749,939
All Other Expenses---$741,743
Office Expenses---$583,710
Advertising---$403,005
Other Expenses---$369,859
Payroll Taxes---$365,308
Occupancy---$272,726
Pension Plan Contributions---$267,748
Fees for Services Other---$99,537
Insurance---$77,592
Fees for Services Accounting---$43,425
Travel---$31,111
Payments to Affiliates---$28,268
Conferences and Meetings---$21,563
Fees for Service Investment Mgmnt Fees---$12,300
Fees for Services Legal---$8,400
Interest---$5
Total Functional Expenses$0$0$0$14,661,430

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$14,689,705
Expenses per Audited Statements$14,661,430
Total Expenses per Form 990$14,661,430
Expenses Not Reported on Form 990$28,275
Expenses Not Reported on Financial Statements$0
Other Expense Adjustments$0
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$2,500
Total Exempt Function Spending$2,500
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$2,500
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$304,467$598,212▲ $293,745
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$275,596,908
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Organization has members.”

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

“Members elect the governing body at annual meeting.”

Form 990, Part VI, Section A, Line 7B

“Decisions of the governing body are subject to the member approval at the annual meeting.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the CFO.”

Form 990, Part VI, Section B, Line 12C

“Monitored through scheduling and information provided by the employer by handbook; with Board members any possible conflict results in the board member(s) not participating in the discussion items.”

Form 990, Part VI, Section B, Line 15

“The CEO's salary is approved by the Board of Directors after reviewing salary survey and performance. A salary committee establishes a salary schedule for all positions at the credit union after reviewing salary surveys for compatible job duties.”

Form 990, Part VI, Section C, Line 19

“The conflict of interest policy and governing documents are available upon request. Financial statements are posted monthly at all locations.”

Filing and Contact Details

Filer

Filer Name
Streator Onized Credit Union
EIN
36-2494471
Phone
8156735577
Address
912 N Shabbona, Streator, IL 61364

Signing Officer

Name
Cheryl Davis
Title
CFO
Phone
8156731589
Signed
2022-05-12

Organization Details

Formed
1939
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
145
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“No changes to oversite or selection process.”

Financial Statement Notes

Schedule D, Part IV, Line 1B

“PMI funds are escrowed.”

Schedule D, Part IV, Line 2B

“PMI funds are escrowed.”

Schedule D, Part XI, Line 4B

“gain from sale of asset”

Schedule D, Part XII, Line 2D

“gain from sale of asset”

Raw XML AppendixShowing 400 of 714 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/AccountantCompileOrReviewInd01
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Credit Union will provide quality financial services that will enhance the economic and social well-being of the members and communities that it serves.
IRS990/AdvertisingGrp/TotalAmt0403005
IRS990/AllOtherExpensesGrp/TotalAmt0741743
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IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
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IRS990/BooksInCareOfDetail/PhoneNum08156735577
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0912 N Shabbona
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IRS990/BooksInCareOfDetail/USAddress/ZIPCd061364
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IRS990/CompensationFromOtherSrcsInd00
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IRS990/CompensationProcessOtherInd01
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IRS990/ContractorCompensationGrp/CompensationAmt1118177
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IRS990/ContractorCompensationGrp/ContractorName/PersonNm0Diebold
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IRS990/CreditCounselingInd01
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IRS990/DeferredRevenueGrp/EOYAmt00
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IRS990/DepreciationDepletionGrp/TotalAmt0810392
IRS990/Desc0Provided consumer loans to 7764 members.
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/PersonNm0Kathleen Lucas
IRS990/Form990PartVIISectionAGrp/PersonNm1Douglas Patterson
IRS990/Form990PartVIISectionAGrp/PersonNm2Angela Kusnerick
IRS990/Form990PartVIISectionAGrp/PersonNm3Mandi Albert
IRS990/Form990PartVIISectionAGrp/PersonNm4Andrew Threagill
IRS990/Form990PartVIISectionAGrp/PersonNm5Cheryl Davis
IRS990/Form990PartVIISectionAGrp/PersonNm6Michael Ralph
IRS990/Form990PartVIISectionAGrp/PersonNm7Tony Miles
IRS990/Form990PartVIISectionAGrp/PersonNm8Harry Godfrey
IRS990/Form990PartVIISectionAGrp/PersonNm9Don Luckey
IRS990/Form990PartVIISectionAGrp/PersonNm10Robert Lee
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IRS990/Form990PartVIISectionAGrp/PersonNm12Scott Bulthuis
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IRS990/ProgSrvcAccomActy2Grp/Desc0Provided 117 real estate loans to members.
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IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0Credit Union Political Action Council

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