Liabilities / Assets
99th percentile
Higher debt load relative to assets than 99% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
99th percentile
Higher debt load relative to assets than 99% of similar nonprofits.
Liabilities / Revenue
47th percentile
Higher debt load relative to revenue than 47% of similar nonprofits.
Net Margin
55th percentile
Higher net margin than 55% of similar nonprofits.
Top Officer Pay
12th percentile
Higher top officer pay than 12% of similar nonprofits.
Top officer pay equals 1.5% of source-year revenue.
Asset Growth
30th percentile
Faster asset growth than 30% of similar nonprofits.
Revenue Growth
4th percentile
Faster revenue growth than 4% of similar nonprofits.
Assets
Up$297,886,646
Up $8,758,446 (+3.0%) from 2013
Net Assets
Up$20,506,500
Up $2,428,917 (+13%) from 2013
Liabilities
Up$277,380,146
Up $6,329,529 (+2.3%) from 2013
Revenue
Down$15,627,635
Down $2,008,741 (-11%) from 2013
Expenses
Down$13,198,718
Down $1,455,098 (-9.9%) from 2013
Net Income
Down$2,428,917
Down $553,643 (-19%) from 2013
As a cooperative, we offer financial products and services to enhance the economic well-being of our members now and into the future.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $191,537,937 | $193,938,777 | ▲ $2,400,840 |
| Savings and Temporary Cash Investments | $61,962,061 | $58,860,898 | ▼ $3,101,163 |
| Investments in Publicly Traded Securities | $7,876,000 | $21,643,837 | ▲ $13,767,837 |
| Rtn Earn Endowment Incm Other Fnds | $18,077,583 | $20,506,500 | ▲ $2,428,917 |
| Land, Buildings, and Equipment, Net | $10,330,926 | $9,685,839 | ▼ $645,087 |
| Accounts Receivable | $2,563,806 | $2,339,393 | ▼ $224,413 |
| Cash and Non-Interest-Bearing Accounts | $5,996,168 | $1,955,023 | ▼ $4,041,145 |
| Prepaid Expenses and Deferred Charges | $404,853 | $554,153 | ▲ $149,300 |
| Investments Program Related | $0 | $150,000 | ▲ $150,000 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $289,128,200 | $297,886,646 | ▲ $8,758,446 |
| Other Assets Total | $8,456,449 | $8,758,726 | ▲ $302,277 |
| Liabilities | |||
| Other Liabilities | $268,034,545 | $274,507,757 | ▲ $6,473,212 |
| Accounts Payable and Accrued Expenses | $2,819,056 | $2,698,357 | ▼ $120,699 |
| Escrow Account Liability | $197,016 | $174,032 | ▼ $22,984 |
| Total Liabilities | $271,050,617 | $277,380,146 | ▲ $6,329,529 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $18,077,583 | $20,506,500 | ▲ $2,428,917 |
| Total Liabilities and Net Assets / Fund Balance | $289,128,200 | $297,886,646 | ▲ $8,758,446 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $6,428,036 | $3,344,494 | $9,772,530 |
| Equipment | $733,093 | $4,335,083 | $5,068,176 |
| Land | $2,291,118 | - | $2,291,118 |
| Leasehold Improvements | $233,592 | $917,985 | $1,151,577 |
| Other Land Buildings | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Robert M Palumbo | Former President/CEO | - | $223,682 | $17,385 | $223,682 |
| Diane Shelton | President/CEO | FT | $199,399 | $2,500 | $201,899 |
| Debra Lange | Senior Vice President | FT | $180,414 | $1,000 | $181,414 |
| Roberta Kozlowicz | Executive Vice President/COO | FT | $148,523 | $3,500 | $152,023 |
| Gail Mosher | Vice President | FT | $100,627 | $19,933 | $120,560 |
| John Dumas | Chief Financial Officer | FT | $105,685 | $9,569 | $115,254 |
| Frank Sposito | Vice President | FT | $109,022 | $3,282 | $112,304 |
| Name | Title |
|---|---|
| Lawrence Kammes | Chairman of the Board |
| Debra Ragusa | Vice Chairman of the Board |
| Mark Dwyer | Board Member |
| Michael Dzugan | Board Member |
| William Shields | Board Member |
| Gretchen Lewis | Board Secretary |
| William Hicks | Board Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv Solutions | Data transaction processing | 75 Remittance Drive, Chicago, IL 60675 | $261,901 |
| Cameo Solutions Inc | Telecommunications | 9990 International Blvd, Cincinnati, OH 45246 | $200,290 |
| Freese and Associates | Property appraisal | 812 E St Charles Road, Lombard, IL 60148 | $185,385 |
| CDW Direct LLC | Data processing hardware | PO Box 75723, Chicago, IL 60675 | $178,372 |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $6,802,186 |
| Other Expenses | $6,396,532 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $5,097,753 |
| Other Expenses | - | - | - | $2,446,239 |
| All Other Expenses | - | - | - | $770,440 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $690,465 |
| Depreciation Depletion | - | - | - | $668,260 |
| Occupancy | - | - | - | $533,035 |
| Other Employee Benefits | - | - | - | $526,470 |
| Payroll Taxes | - | - | - | $487,498 |
| Office Expenses | - | - | - | $469,903 |
| Information Technology | - | - | - | $440,231 |
| Advertising | - | - | - | $437,924 |
| Insurance | - | - | - | $255,757 |
| Fees for Services Other | - | - | - | $198,977 |
| Fees for Services Accounting | - | - | - | $39,000 |
| Payments to Affiliates | - | - | - | $29,658 |
| Fees for Services Legal | - | - | - | $18,253 |
| Conferences and Meetings | - | - | - | $12,649 |
| Travel | - | - | - | $8,150 |
| Total Functional Expenses | $0 | $0 | $0 | $13,198,718 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Amount |
|---|---|
| Political Expenditures | $1,500 |
| Total Exempt Function Spending | $1,500 |
| Section 527 Activity Spending | $0 |
| Organization | Location | Amount |
|---|---|---|
| 36-3092340 | Naperville, IL | $1,500 |
| Liability | Amount |
|---|---|
| Member savings deposits | $274,507,757 |
“As of 12/31/2014 this credit union had 33,819 members.”
“The credit union has 33,819 members who elect the Board of Directors at it's Annual Meeting of Members held in the month of March each year.”
“Changes or amendments to the credit union charter must be approved by the members and by regulatory authorities. Bylaw amendments may, but are not required to be, approved by the members. However, bylaw changes must be approved by a two-thirds majority of the Board of Directors and by regulatory authorities.”
“A copy of the completed 990 tax return is provided to each member of the Board of Directors and is discussed at the first Board meeting after the return is completed.”
“All Officers, Directors, Committee Members, Trustees and Key Employeees are required to submit a signed Conflict of Interest Statement annually to the Supervisory Committee and the Board of Directors. The Supervisory Committee reviews all Statements annually and provides the Board of Directors with a summary of their review. The Committee and/or Board may deem it necessary to direct further inquiries to the appropriate individuals and may take further action when necessary. The actions may include, but not be limited to, requiring the individuals to divest themselves of the conflict and/or provide full disclosure.”
“An independent third-party consultant conducts a periodic competitive market compensation study of all positions and compensation grade levels. A seperate study is conducted in relation to the salary of the CEO. These studies were most recently conducted in 2011. The study is presented by the consultant and reviewed by management and the Board of Directors and is used to create the salary increase matrix. All employees receive an annual performance evaluation which is completed by the employee's supervisor. If appropriate, employees receive an increase in pay determined by the results of the evaluation and according to the percentages provided in the salary increase matrix. The performance of the CEO is evaluated by the Board of Directors. The Board reviews the evaluation with the CEO and approves any changes in CEO compensation.”
“All governing documents, conflict of interest policy and financial statements are available upon written request, and without charge, during regular business hours at the Credit Union's Operations Center and at all retail branch offices.”
“In September 2014 the credit union began offering online account opening.”
“Escrow balances held for taxes and insurance related to member mortgage accounts held by the credit union”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 2819056 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 2698357 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 2563806 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 2339393 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | AS A COOPERATIVE, WE OFFER FINANCIAL PRODUCTS AND SERVICES TO ENHANCE THE ECONOMIC WELL-BEING OF OUR MEMBERS NOW AND INTO THE FUTURE. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 437924 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 770440 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | DUPAGE CREDIT UNION |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6304283440 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1515 BOND STREET |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | NAPERVILLE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 605633930 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 5996168 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1955023 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 690465 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 12649 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 185385 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 261901 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 200290 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 178372 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 812 E St Charles Road |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 75 Remittance Drive |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 9990 International Blvd |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | PO Box 75723 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | Lombard |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | Chicago |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | Cincinnati |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | Chicago |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | OH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 60148 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 60675 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 45246 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 60675 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | Freese and Associates |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | Fiserv Solutions |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | Cameo Solutions Inc |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | CDW Direct LLC |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | Property appraisal |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | Data transaction processing |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | Telecommunications |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | Data processing hardware |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 569955 |
| IRS990/CYOtherExpensesAmt | 0 | 6396532 |
| IRS990/CYOtherRevenueAmt | 0 | -3255 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 15060935 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 2428917 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 6802186 |
| IRS990/CYTotalExpensesAmt | 0 | 13198718 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 15627635 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 668260 |
| IRS990/Desc | 0 | Provided checking accounts to over 15,000 members. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 133 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 197016 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 174032 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 39000 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 18253 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 198977 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 26379 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 9569 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 8998 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 11498 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 19933 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 3282 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 17385 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Lawrence Kammes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Debra Ragusa |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Gretchen Lewis |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | William Hicks |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Mark Dwyer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Michael Dzugan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | William Shields |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Diane Shelton |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | John Dumas |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Debra Lange |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Roberta Kozlowicz |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Gail Mosher |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | Frank Sposito |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Robert M Palumbo |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 199399 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 105685 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 180414 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 148523 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 100627 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 109022 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 223682 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chairman of the Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chairman of the Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Board Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Board Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | President/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Chief Financial Officer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Senior Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Executive Vice President/COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Former President/CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1956 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 1 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 229023 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 60601739 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 76082676 |
| IRS990/GrossRentsGrp/PersonalAmt | 0 | 0 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 79070 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 7 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 440231 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 255757 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 340932 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 340932 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 150000 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 7876000 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 21643837 |
| IRS990/IRPDocumentCnt | 0 | 6772 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 8597562 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 10330926 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 9685839 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 18283401 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 60372716 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 0 |
| IRS990/LessRentalExpensesGrp/PersonalAmt | 0 | 0 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 82325 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | AS A COOPERATIVE, WE OFFER FINANCIAL PRODUCTS AND SERVICES TO ENHANCE THE ECONOMIC WELL-BEING OF OUR MEMBERS NOW AND INTO THE FUTURE. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 18077583 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 20506500 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 229023 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 229023 |
| IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | -3255 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | -3255 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 533035 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 469903 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 8456449 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 8758726 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 526470 |
| IRS990/OtherExpensesGrp/Desc | 0 | Dividends on member savings |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for loan loss |
| IRS990/OtherExpensesGrp/Desc | 2 | Check processing and ATM |
| IRS990/OtherExpensesGrp/Desc | 3 | Loan disbursement and servicing |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 135557 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | -673097 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 605596 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 2446239 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 268034545 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 274507757 |
| IRS990/OtherOrganizationDsc | 0 | COOPERATIVE |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 5097753 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 191537937 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 193938777 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 29658 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 487498 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 1 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 404853 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 554153 |
| IRS990/PrincipalOfficerNm | 0 | Diane M Shelton |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest income on member loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees and charges to recover costs |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Member insurance-related activity |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 9766856 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 5167264 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 126815 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 9766856 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 5167264 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 126815 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Provided first and second mortgage loans to over 4,000 members. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Provided credit and debit cards to over 12,000 members. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1083146 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 7654943 |
| IRS990/PYOtherRevenueAmt | 0 | -9055 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 16562285 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 2982560 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 6998873 |
| IRS990/PYTotalExpensesAmt | 0 | 14653816 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 17636376 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2428917 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | -3255 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 18077583 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 20506500 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 61962061 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 58860898 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleC/Expended527ActivitiesAmt | 0 | 0 |
| IRS990ScheduleC/Form1120POLFiledInd | 0 | 1 |
| IRS990ScheduleC/InternalFundsContributedAmt | 0 | 1500 |
| IRS990ScheduleC/PoliticalExpendituresAmt | 0 | 1500 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt | 0 | 0 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/EIN | 0 | 363092340 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt | 0 | Credit Union Political Action Council |
| IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt | 0 | 1500 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt | 0 | 1807 W Diehl Rd |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine2Txt | 0 | PO Box 3107 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm | 0 | Naperville |
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Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.