Civic Intelligence

Silgan White Cap Credit Union

990 • Fiscal year 2015 • EIN 36-2594101

Jan 01, 2015 to Dec 31, 2015 • Filed on May 03, 2016

1140 WEST 31st STREETDowners Grove, IL 60515

(630) 515-5144

Siviq Scores

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

Liabilities / Assets

21st percentile

0.70x

Higher debt load relative to assets than 21% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

86th percentile

29.73x

Higher debt load relative to revenue than 86% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

3rd percentile

-62%

Higher net margin than 3% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

52nd percentile

$28,009

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 42.5% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

67th percentile

3.4%

Faster asset growth than 67% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

73rd percentile

3.5%

Faster revenue growth than 73% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Assets

Up

$2,795,713

Up $91,122 (+3.4%) from 2014

Net Assets

Down

$836,339

Down $40,614 (-4.6%) from 2014

Liabilities

Up

$1,959,374

Up $131,736 (+7.2%) from 2014

Revenue

Up

$65,898

Up $2,240 (+3.5%) from 2014

Expenses

Up

$106,513

Up $42,918 (+67%) from 2014

Net Income

Down

-$40,615

Down $40,678 (-64568%) from 2014

Historical Trend

Balance Sheet Trend

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

2015

Assets$2,795,713
Liabilities$1,959,374
Net Assets$836,339

Operations Trend

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

2015

Revenue$65,898
Expenses$106,513
Net Income-$40,615
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 3, 2016
Return Version
2015v2.1
Gross Receipts
$65,898
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$1,342,762$1,343,411▲ $649
Other Notes and Loans Receivable, Net$935,884$1,177,170▲ $241,286
Rtn Earn Endowment Incm Other Fnds$876,953$836,339▼ $40,614
Cash and Non-Interest-Bearing Accounts$326,530$196,564▼ $129,966
Receivables From Officers Etc$39,038$35,044▼ $3,994
Total Assets$2,704,591$2,795,713▲ $91,122
Other Assets Total$60,377$43,524▼ $16,853
Liabilities
Other Liabilities$1,821,337$1,956,749▲ $135,412
Accounts Payable and Accrued Expenses$6,301$2,625▼ $3,676
Total Liabilities$1,827,638$1,959,374▲ $131,736
Net Assets / Fund Balance
Total Net Assets Fund Balance$876,953$836,339▼ $40,614
Total Liabilities and Net Assets / Fund Balance$2,704,591$2,795,713▲ $91,122

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$23,641$23,641
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Callard CarolynPresidentPT$28,009$28,009

Board Members and Trustees

NameTitle
Callard WilliamChairperson
Kurtz ThomasVice Chairperson
Cormack RichardDirector
Hurley ArthurDirector
Kapolas WilliamDirector
Keag DebraDirector
Szczesniak DennisDirector
Kamm EdieSecretary
Severson DavidTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$51,659
Investment Income
$13,813
Other Revenue
$426
Change in Net Assets
$-40,615
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$76,329
Salaries, Compensation, and Employee Benefits$30,184
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$52,444$0$0$52,444
Current Officers, Directors, Trustees, and Key Employees$30,184$0$0$30,184
Interest$9,603--$9,603
Insurance$3,641$0$0$3,641
Other Expenses$2,747$0$0$2,747
Fees for Services Other$1,958$0$0$1,958
Office Expenses$1,067$0$0$1,067
Conferences and Meetings$761$0$0$761
Fees for Services Accounting$450$0$0$450
Advertising$75$0$0$75
Total Functional Expenses$106,513$0$0$106,513
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$39,038$35,044▼ $3,994
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$1,956,749
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

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 dennis szczesniak 1229 janas lane lemont il 60439 william kapolas 1127 n thackeray dr. Palatine il 60067

Filing and Contact Details

Filer

Filer Name
Silgan White Cap Credit Union
EIN
36-2594101
Phone
6305155144
Address
1140 WEST 31st STREET, DOWNERS GROVE, IL 60515

Signing Officer

Name
William Callard
Title
Chairperson
Phone
6305155144
Signed
2016-05-03
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
1
Volunteers
10

Preparer

Firm
Homer Wilson & Co Ltd
Address
900 RIDGE ROAD SUITE S, MUNSTER, IN 46321-1727
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

Pt XI

The difference of $1.00 is due to rounding

Form 990, Part IX, Line 24F

Cash over/short 0. 0. 0. 0. Misc operating exp 135. 135. 0. 0. Ncusif premium exp 0. 0. 0. 0. Provision for loan loss 48242. 48242. 0. 0. Icul dues 4067. 4067. 0. 0.

Raw XML Appendix399 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt06301
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02625
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE LOANS AND SAVINGS ACCOUNTS TO EMPLOYEES OF SILGAN WHITE CAP TO OFFER LOW INTEREST LOANS AND DIVIDENDS ON SAVINGS ACCOUNTS.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt075
IRS990/AdvertisingGrp/TotalAmt075
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt052444
IRS990/AllOtherExpensesGrp/TotalAmt052444
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CAROLYN CALLARD
IRS990/BooksInCareOfDetail/PhoneNum06305155144
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01140 W 31st STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0DOWNERS GROVE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060515
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0326530
IRS990/CashNonInterestBearingGrp/EOYAmt0196564
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt030184
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt030184
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0761
IRS990/ConferencesMeetingsGrp/TotalAmt0761
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt013813
IRS990/CYOtherExpensesAmt076329
IRS990/CYOtherRevenueAmt0426
IRS990/CYProgramServiceRevenueAmt051659
IRS990/CYRevenuesLessExpensesAmt0-40615
IRS990/CYSalariesCompEmpBnftPaidAmt030184
IRS990/CYTotalExpensesAmt0106513
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt065898
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0PROVIDED 137 LOANS TO MEMBERS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt01
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/FamilyOrBusinessRlnInd0true
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt0450
IRS990/FeesForServicesAccountingGrp/TotalAmt0450
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt01958
IRS990/FeesForServicesOtherGrp/TotalAmt01958
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt928.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0CALLARD WILLIAM
IRS990/Form990PartVIISectionAGrp/PersonNm1KURTZ THOMAS
IRS990/Form990PartVIISectionAGrp/PersonNm2SEVERSON DAVID
IRS990/Form990PartVIISectionAGrp/PersonNm3KAMM EDIE
IRS990/Form990PartVIISectionAGrp/PersonNm4CORMACK RICHARD
IRS990/Form990PartVIISectionAGrp/PersonNm5HURLEY ARTHUR
IRS990/Form990PartVIISectionAGrp/PersonNm6KEAG DEBRA
IRS990/Form990PartVIISectionAGrp/PersonNm7SZCZESNIAK DENNIS
IRS990/Form990PartVIISectionAGrp/PersonNm8KAPOLAS WILLIAM
IRS990/Form990PartVIISectionAGrp/PersonNm9CALLARD CAROLYN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt928009
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt065898
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt03641
IRS990/InsuranceGrp/TotalAmt03641
IRS990/InterestGrp/ProgramServicesAmt09603
IRS990/InterestGrp/TotalAmt09603
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt013813
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0100
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt023641
IRS990/LandBldgEquipCostOrOtherBssAmt023641
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE LOANS AND SAVINGS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0876953
IRS990/NetAssetsOrFundBalancesEOYAmt0836339
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt01067
IRS990/OfficeExpensesGrp/TotalAmt01067
IRS990/OfficerMailingAddressInd0true
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt060377
IRS990/OtherAssetsTotalGrp/EOYAmt043524
IRS990/OtherChangesInNetAssetsAmt01
IRS990/OtherExpensesGrp/Desc0OPERATING EXP
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXP
IRS990/OtherExpensesGrp/Desc2LICENSE/MAINT AGMT
IRS990/OtherExpensesGrp/Desc3REGULATORY/SUPERVISOIN FEE
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt0104
IRS990/OtherExpensesGrp/ProgramServicesAmt11448
IRS990/OtherExpensesGrp/ProgramServicesAmt22031
IRS990/OtherExpensesGrp/ProgramServicesAmt32747
IRS990/OtherExpensesGrp/TotalAmt0104
IRS990/OtherExpensesGrp/TotalAmt11448
IRS990/OtherExpensesGrp/TotalAmt22031
IRS990/OtherExpensesGrp/TotalAmt32747
IRS990/OtherLiabilitiesGrp/BOYAmt01821337
IRS990/OtherLiabilitiesGrp/EOYAmt01956749
IRS990/OtherRevenueMiscGrp/BusinessCd0522190
IRS990/OtherRevenueMiscGrp/BusinessCd1522190
IRS990/OtherRevenueMiscGrp/Desc0FEE & OTHER OPERATING
IRS990/OtherRevenueMiscGrp/Desc1NCUA STABILIZATION ADJ
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt051
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1375
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt051
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1375
IRS990/OtherRevenueTotalAmt0426
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0935884
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01177170
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0WILLIAM CALLARD
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522190
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt051659
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDED SAVINGS ACCOUNTS TO 535 MEMBERS
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt014997
IRS990/PYOtherExpensesAmt036258
IRS990/PYOtherRevenueAmt041
IRS990/PYProgramServiceRevenueAmt048620
IRS990/PYRevenuesLessExpensesAmt063
IRS990/PYSalariesCompEmpBnftPaidAmt027337
IRS990/PYTotalExpensesAmt063595
IRS990/PYTotalRevenueAmt063658
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt039038
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt035044
IRS990/ReconcilationRevenueExpnssAmt0-40615
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0876953
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0836339
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01342762
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01343411
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt023641
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt023641
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01956749
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalLiabilityAmt01956749
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt08611
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt126253
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2180
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SHARE SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1NEW CAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2SIGNATURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt015712
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt129250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0CALLARD WILLIAM L
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1CORMACK RICHARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2WILLIAM KAPOLAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt035044
IRS990/ScheduleORequiredInd0true
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/ExplanationTxt5THE DIFFERENCE OF $1.00 IS DUE TO ROUNDING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EDIE 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 DENNIS SZCZESNIAK 1229 JANAS LANE LEMONT IL 60439 WILLIAM KAPOLAS 1127 N THACKERAY DR. PALATINE IL 60067
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CASH OVER/SHORT 0. 0. 0. 0. MISC OPERATING EXP 135. 135. 0. 0. NCUSIF PREMIUM EXP 0. 0. 0. 0. PROVISION FOR LOAN LOSS 48242. 48242. 0. 0. ICUL DUES 4067. 4067. 0. 0.
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/FormAndLineReferenceDesc5Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02704591
IRS990/TotalAssetsEOYAmt02795713
IRS990/TotalAssetsGrp/BOYAmt02704591
IRS990/TotalAssetsGrp/EOYAmt02795713
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0106513
IRS990/TotalFunctionalExpensesGrp/TotalAmt0106513
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01827638
IRS990/TotalLiabilitiesEOYAmt01959374
IRS990/TotalLiabilitiesGrp/BOYAmt01827638
IRS990/TotalLiabilitiesGrp/EOYAmt01959374
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0876953
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0836339
IRS990/TotalProgramServiceRevenueAmt051659
IRS990/TotalReportableCompFromOrgAmt028009
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt065898
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt065898
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02704591
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02795713
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01140 WEST 31st STREET
IRS990/USAddress/CityNm0DOWNERS GROVE
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060515
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0WILLIAM CALLARD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRPERSON
ReturnHeader/BusinessOfficerGrp/PhoneNum06305155144
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SILGAN WHITE CAP CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SILG
ReturnHeader/Filer/EIN0362594101
ReturnHeader/Filer/PhoneNum06305155144
ReturnHeader/Filer/USAddress/AddressLine1Txt01140 WEST 31st STREET
ReturnHeader/Filer/USAddress/CityNm0DOWNERS GROVE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060515
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HOMER WILSON & CO LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0900 RIDGE ROAD SUITE S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MUNSTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0463211727
ReturnHeader/PreparerPersonGrp/PhoneNum02198364930
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RAY SUORANTA
ReturnHeader/ReturnTs02016-05-05T10:15:53-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings