Civic Intelligence

Silgan White Cap Credit Union

990 • Fiscal year 2013 • EIN 36-2594101

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 09, 2014

Organization ProfileN/A
1140 WEST 31st STREET60515

(630) 515-5144

Siviq Scores

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

Liabilities / Assets

18th percentile

0.68x

Higher debt load relative to assets than 18% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

90th percentile

29.65x

Higher debt load relative to revenue than 90% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

17th percentile

-17%

Higher net margin than 17% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

48th percentile

$28,122

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 45.8% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

49th percentile

-0.2%

Faster asset growth than 49% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$2,699,194

Down $6,497 (-0.2%) from 2012

Net Assets

Down

$876,891

Down $10,691 (-1.2%) from 2012

Liabilities

Up

$1,822,303

Up $4,194 (+0.2%) from 2012

Revenue And Expenses
Liabilities / Revenue90th percentileNet Margin17th percentile

Revenue

$61,457

No earlier filing loaded for comparison.

Expenses

Up

$72,148

Up $14,312 (+25%) from 2012

Net Income

-$10,691

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $2,641,707Liabilities 2011: $1,753,790Net Assets 2011: $887,9172011Assets 2012: $2,705,691Liabilities 2012: $1,818,109Net Assets 2012: $887,5822012Assets 2013: $2,699,194Liabilities 2013: $1,822,303Net Assets 2013: $876,8912013Assets 2014: $2,704,591Liabilities 2014: $1,827,638Net Assets 2014: $876,9532014Assets 2015: $2,795,713Liabilities 2015: $1,959,374Net Assets 2015: $836,3392015Assets 2016: $2,729,380Liabilities 2016: $1,956,152Net Assets 2016: $773,2282016Assets 2017: $2,704,996Liabilities 2017: $1,930,095Net Assets 2017: $774,9012017Assets 2018: $2,675,385Liabilities 2018: $1,897,717Net Assets 2018: $777,6682018Assets 2019: $2,619,817Liabilities 2019: $1,857,520Net Assets 2019: $762,2972019Assets 2020: $2,792,711Liabilities 2020: $2,029,167Net Assets 2020: $763,5442020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2013

Assets$2,699,194
Liabilities$1,822,303
Net Assets$876,891
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$200K$0-$200K-$400KExpenses 2011: $66,2022011Expenses 2012: $57,8362012Revenue 2013: $61,457Expenses 2013: $72,148Net Income 2013: -$10,6912013Revenue 2014: $63,658Expenses 2014: $63,595Net Income 2014: $632014Revenue 2015: $65,898Expenses 2015: $106,513Net Income 2015: -$40,6152015Revenue 2016: $65,387Expenses 2016: $128,497Net Income 2016: -$63,1102016Revenue 2017: $73,776Expenses 2017: $72,104Net Income 2017: $1,6722017Revenue 2018: $86,464Expenses 2018: $83,697Net Income 2018: $2,7672018Revenue 2019: $84,793Expenses 2019: $100,164Net Income 2019: -$15,3712019Revenue 2020: $74,248Expenses 2020: $73,000Net Income 2020: $1,2482020Revenue 2021: $75,037Expenses 2021: $379,575Net Income 2021: -$304,5382021

Highlighted filing

2013

Revenue$61,457
Expenses$72,148
Net Income-$10,691
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 9, 2014
Return Version
2013v3.1
Gross Receipts
$61,457
Mission and Program Overview

Mission

Provide loans and savings

Provide loans and savings accounts to employees of silgan white cap to offer low interest loans and dividends on savings accounts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,640,283$1,616,948▼ $23,335
Rtn Earn Endowment Incm Other Fnds$887,582$876,891▼ $10,691
Other Notes and Loans Receivable, Net$714,444$832,833▲ $118,389
Cash and Non-Interest-Bearing Accounts$231,700$174,297▼ $57,403
Investments Program Related$62,435--
Receivables From Officers Etc$25,171$32,208▲ $7,037
Accounts Receivable$13,158--
Land, Buildings, and Equipment, Net$1,038$382▼ $656
Total Assets$2,705,691$2,699,194▼ $6,497
Other Assets Total$17,462$42,526▲ $25,064
Liabilities
Other Liabilities$1,818,829$1,813,059▼ $5,770
Accounts Payable and Accrued Expenses$-720$9,244▲ $9,964
Total Liabilities$1,818,109$1,822,303▲ $4,194
Net Assets / Fund Balance
Total Net Assets Fund Balance$887,582$876,891▼ $10,691
Total Liabilities and Net Assets / Fund Balance$2,705,691$2,699,194▼ $6,497

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$382$23,259$23,641
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Callard CarolynPresidentPT$28,122$28,122

Board Members and Trustees

NameTitle
Callard WilliamChairperson
Kurtz ThomasVice Chairperson
Cormack RichardDirector
Hurley ArthurDirector
Keag DebraDirector
Orth KevinDirector
Skelly MaryDirector
Wigdzinski TerrenceDirector
Kamm EdieSecretary
Severson DavidTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$43,124
Investment Income
$18,160
Other Revenue
$173
Change in Net Assets
$-10,691
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$43,739
Salaries, Compensation, and Employee Benefits$28,409
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$28,122--$28,122
All Other Expenses$19,254--$19,254
Interest$9,565--$9,565
Insurance$3,613--$3,613
Other Expenses$2,713--$2,713
Fees for Services Other$1,359--$1,359
Office Expenses$1,239--$1,239
Depreciation Depletion$655--$655
Conferences and Meetings$550--$550
Other Salaries and Wages$287--$287
Fees for Services Accounting$280--$280
Advertising$25--$25
Total Functional Expenses$72,148$0$0$72,148
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$25,171$32,208▲ $7,037
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$1,813,059
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
No
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, Line 9

“Terrence wigdzinski 38w448 berquist dr. Geneva il 60134 edie kamm 1435 n. Merrimac ln hanover park il 60133 david severson 7253 n. Rascher chicago il 60656 richard cormack 1913 sandgate crt naperville il 60565 william callard 1420 jasper dr. Wheaton il 60189 debra keag 904 quince lane mt. Prospect il 60056 arthur hurley 4150 crimson dr. Hoffman estates il 60195 thomas kurtz 230 east ave. Park ridge il 60068 kevin orth 2061 laura lane des plaines il 60018 mary skelly 3047 n. 78th ave. Elmwood par”

Filing and Contact Details

Filer

EIN
36-2594101
Phone
6305155144

Signing Officer

Name
William Callard
Title
Chairperson
Phone
6305155144
Signed
2014-04-09
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
Employees
2
Volunteers
10

Preparer

Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 2

“The president is married to a board member.”

Pt VI, Line 6

“Members of the credit union are considered shareholders.”

Pt VI, Line 7A

“The board of directors are elected by the members at the annual meeting.”

Pt VI, Line 11B

“The board is provided a copy of the 990 for review.”

Pt VI, Line 15A

“The chairman uses a published payscale to help determine compensation.”

Form 990, Part IX, Line 24F

“Cash over/short misc operating exp ncusif premium exp 1853. 1853. Provision for loan loss 9764. 9764. Title transfer fee refund icul dues 7637. 7637.”

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0NEW CAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SIGNATURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2NEW CAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3SHARE SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4NEW CAR
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt51200
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1SKELLY MARY F
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2SEVERSON DAVID R
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3CALLARD WILLIAM L
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4CORMACK RICHARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5CORMACK RICHARD
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE PRESIDENT IS MARRIED TO A BOARD MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION ARE CONSIDERED SHAREHOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD IS PROVIDED A COPY OF THE 990 FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CHAIRMAN USES A PUBLISHED PAYSCALE TO HELP DETERMINE COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5TERRENCE WIGDZINSKI 38W448 BERQUIST DR. GENEVA IL 60134 EDIE KAMM 1435 N. MERRIMAC LN HANOVER PARK IL 60133 DAVID SEVERSON 7253 N. RASCHER CHICAGO IL 60656 RICHARD CORMACK 1913 SANDGATE CRT NAPERVILLE IL 60565 WILLIAM CALLARD 1420 JASPER DR. WHEATON IL 60189 DEBRA KEAG 904 QUINCE LANE MT. PROSPECT IL 60056 ARTHUR HURLEY 4150 CRIMSON DR. HOFFMAN ESTATES IL 60195 THOMAS KURTZ 230 EAST AVE. PARK RIDGE IL 60068 KEVIN ORTH 2061 LAURA LANE DES PLAINES IL 60018 MARY SKELLY 3047 N. 78TH AVE. ELMWOOD PAR
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CASH OVER/SHORT MISC OPERATING EXP NCUSIF PREMIUM EXP 1853. 1853. PROVISION FOR LOAN LOSS 9764. 9764. TITLE TRANSFER FEE REFUND ICUL DUES 7637. 7637.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24f
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101140 WEST 31st STREET
IRS990/USAddress/City0DOWNERS GROVE
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode060515
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0WILLIAM CALLARD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRPERSON
ReturnHeader/BusinessOfficerGrp/PhoneNum06305155144
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-09
ReturnHeader/Filer/BusinessName/BusinessNameLine10SILGAN WHITE CAP CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SILG
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ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode060515
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10HOMER WILSON & CO LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10900 RIDGE ROAD SUITE S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0MUNSTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0463211727

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,699,194
Liabilities
$1,822,303
Net assets
$876,891
Revenue
$61,457
Expenses
$72,148
Net income
-$10,691
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.08$0.38$0.30
2020Detailed filing. Detailed filing data is available for this year.$2.79$2.03$0.76$0.07$0.07$0.00
2019Detailed filing. Detailed filing data is available for this year.$2.62$1.86$0.76$0.08$0.10$0.02
2018Detailed filing. Detailed filing data is available for this year.$2.68$1.90$0.78$0.09$0.08$0.00
2017Detailed filing. Detailed filing data is available for this year.$2.70$1.93$0.77$0.07$0.07$0.00
2016Detailed filing. Detailed filing data is available for this year.$2.73$1.96$0.77$0.07$0.13$0.06
2015Detailed filing. Detailed filing data is available for this year.$2.80$1.96$0.84$0.07$0.11$0.04
2014Detailed filing. Detailed filing data is available for this year.$2.70$1.83$0.88$0.06$0.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$2.70$1.82$0.88$0.06$0.07$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.71$1.82$0.89$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.64$1.75$0.89$0.07