Civic Intelligence

Silgan White Cap Credit Union

990 • Fiscal year 2017 • EIN 36-2594101

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 26, 2018

Organization ProfileN/A
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

19th percentile

0.71x

Higher debt load relative to assets than 19% of similar nonprofits.

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

Liabilities / Revenue

80th percentile

26.16x

Higher debt load relative to revenue than 80% of similar nonprofits.

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

Net Margin

49th percentile

2.3%

Higher net margin than 49% of similar nonprofits.

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

Top Officer Pay

55th percentile

$30,699

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 41.6% of source-year revenue.

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

Asset Growth

43rd percentile

-0.9%

Faster asset growth than 43% of similar nonprofits.

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

Revenue Growth

89th percentile

13%

Faster revenue growth than 89% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets19th percentile

Assets

Down

$2,704,996

Down $24,384 (-0.9%) from 2016

Net Assets

Up

$774,901

Up $1,673 (+0.2%) from 2016

Liabilities

Down

$1,930,095

Down $26,057 (-1.3%) from 2016

Revenue And Expenses
Liabilities / Revenue80th percentileNet Margin49th percentile

Revenue

Up

$73,776

Up $8,389 (+13%) from 2016

Expenses

Down

$72,104

Down $56,393 (-44%) from 2016

Net Income

Up

$1,672

Up $64,782 (+103%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth43rd 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

2017

Assets$2,704,996
Liabilities$1,930,095
Net Assets$774,901
Open 2017 Filing

Operations Trend

Revenue Growth89th percentile

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

2017

Revenue$73,776
Expenses$72,104
Net Income$1,672
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 26, 2018
Return Version
2017v2.2
Gross Receipts
$73,776
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
Other Notes and Loans Receivable, Net$1,321,723$1,211,970▼ $109,753
Savings and Temporary Cash Investments$1,268,572$1,118,702▼ $149,870
Rtn Earn Endowment Incm Other Fnds$773,228$774,901▲ $1,673
Cash and Non-Interest-Bearing Accounts$45,061$273,472▲ $228,411
Receivables From Officers Etc$20,586$39,732▲ $19,146
Total Assets$2,729,380$2,704,996▼ $24,384
Other Assets Total$73,438$61,120▼ $12,318
Liabilities
Other Liabilities$1,952,627$1,927,959▼ $24,668
Accounts Payable and Accrued Expenses$3,525$2,136▼ $1,389
Total Liabilities$1,956,152$1,930,095▼ $26,057
Net Assets / Fund Balance
Total Net Assets Fund Balance$773,228$774,901▲ $1,673
Total Liabilities and Net Assets / Fund Balance$2,729,380$2,704,996▼ $24,384

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$23,641$23,641
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Callard CarolynPresidentFT$30,699$30,699

Board Members and Trustees

NameTitle
Kurtz ThomasChairperson
Callard WilliamVice Chairperson
Cormack RichardDirector
De Rosa NicoleDirector
Hurley ArthurDirector
Keag DebraDirector
Orth KevinDirector
Szczesniak DennisDirector
Kamm EdieSecretary
Severson DavidTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$59,630
Investment Income
$13,042
Other Revenue
$1,104
Change in Net Assets
$1,672
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$38,633
Salaries, Compensation, and Employee Benefits$33,471
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$33,471$0$0$33,471
Fees for Service Investment Mgmnt Fees$23,626--$23,626
Interest$9,768--$9,768
Insurance$4,142--$4,142
Other Expenses$2,448--$2,448
Office Expenses$959--$959
Conferences and Meetings$761--$761
Fees for Services Accounting$510--$510
Travel$440--$440
Advertising$50--$50
All Other Expenses$-7,791--$-7,791
Total Functional Expenses$72,104$0$0$72,104
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$20,586$39,732▲ $19,146
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$1,927,959
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”

Form 990, Part VI, Line 9

“David severson 7253 n. Rascher chicago il 60656”

Form 990, Part VI, Line 9

“Richard cormack 1913 sandgate crt naperville il 60565”

Form 990, Part VI, Line 9

“William callard 1420 jasper dr. Wheaton il 60189”

Form 990, Part VI, Line 9

“Debra keag 904 n quince lane mt. Prospect il 60056”

Form 990, Part VI, Line 9

“Arthur hurley 4150 crimson dr. Hoffman estates il 60195”

Form 990, Part VI, Line 9

“Thomas kurtz 230 east ave. Park ridge il 60068”

Form 990, Part VI, Line 9

“Dennis szczesniak 1229 janas lane lemont il 60439”

Form 990, Part VI, Line 9

“Nicole de rosa 2866 coastal drive aurora il 60503”

Form 990, Part VI, Line 9

“Kevin orth 2061 laura lane des plaines il 60018”

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
Thomas Kurtz
Title
Chairperson
Phone
6305155144
Signed
2018-04-26
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
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 24E

“CASH OVER/SHORT 0. 0.”

Form 990, Part IX, Line 24E

“Misc operating exp 225. 225.”

Form 990, Part IX, Line 24E

“Provision for loan loss -8042. -8042.”

Form 990, Part IX, Line 24E

“ICUL DUES 0. 0.”

Form 990, Part IX, Line 24E

“LOAN SERVICING 26. 26.”

Raw XML AppendixShowing 400 of 405 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DAVID SEVERSON 7253 N. RASCHER CHICAGO IL 60656
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8RICHARD CORMACK 1913 SANDGATE CRT NAPERVILLE IL 60565
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9WILLIAM CALLARD 1420 JASPER DR. WHEATON IL 60189
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10DEBRA KEAG 904 N QUINCE LANE MT. PROSPECT IL 60056
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11ARTHUR HURLEY 4150 CRIMSON DR. HOFFMAN ESTATES IL 60195
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12THOMAS KURTZ 230 EAST AVE. PARK RIDGE IL 60068
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13DENNIS SZCZESNIAK 1229 JANAS LANE LEMONT IL 60439
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14NICOLE DE ROSA 2866 COASTAL DRIVE AURORA IL 60503
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15KEVIN ORTH 2061 LAURA LANE DES PLAINES IL 60018
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16CASH OVER/SHORT 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17MISC OPERATING EXP 225. 225.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18PROVISION FOR LOAN LOSS -8042. -8042.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19ICUL DUES 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20LOAN SERVICING 26. 26.
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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 VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc18Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc20Form 990, Part IX, Line 24e
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ReturnHeader/FilingSecurityInformation/IPTm007:48:03
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0900 RIDGE ROAD SUITE S
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0463211727
ReturnHeader/PreparerPersonGrp/PhoneNum02198364930
ReturnHeader/PreparerPersonGrp/PreparationDt02018-05-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RAY SUORANTA

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,704,996
Liabilities
$1,930,095
Net assets
$774,901
Revenue
$73,776
Expenses
$72,104
Net income
$1,672
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