Civic Intelligence

Mercer Credit Union

EIN 36-2717304 • 501(c)14 • Aledo, IL

Profile

The board has not adopted a mission statement

100 SE 3rd StAledo, IL 61231

mercercreditunion.com

Siviq Scores

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

Liabilities / Assets

68th percentile

0.86x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

76th percentile

19.89x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

74th percentile

11%

Higher net margin than 74% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

58th percentile

-4.1%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Revenue Growth

82nd percentile

18%

Faster revenue growth than 82% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets68th percentile

Assets

Down

$2,614,214

Down $147,828 (-5.4%) from 2023

Liabilities

Down

$2,239,287

Down $160,570 (-6.7%) from 2023

Net Assets

Up

$374,927

Up $12,742 (+3.5%) from 2023

Operations
Liabilities / Revenue76th percentileNet Margin74th percentile

Revenue

Up

$112,583

Up $15,075 (+15%) from 2023

Expenses

Up

$99,828

Up $4,499 (+4.7%) from 2023

Net Income

Up

$12,755

Up $10,576 (+485%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2020: $2,986,871Liabilities 2020: $2,650,519Net Assets 2020: $336,3522020Assets 2021: $3,016,804Liabilities 2021: $2,665,038Net Assets 2021: $351,7662021Assets 2022: $2,843,542Liabilities 2022: $2,483,536Net Assets 2022: $360,0062022Assets 2023: $2,762,042Liabilities 2023: $2,399,857Net Assets 2023: $362,1852023Assets 2024: $2,614,214Liabilities 2024: $2,239,287Net Assets 2024: $374,9272024

Highlighted filing

2024

Assets$2,614,214
Liabilities$2,239,287
Net Assets$374,927
Open 2024 Filing

Operations Trend

Revenue Growth82nd percentile

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

$150K$100K$50K$0Revenue 2020: $86,695Expenses 2020: $82,302Net Income 2020: $4,3932020Revenue 2021: $93,213Expenses 2021: $77,717Net Income 2021: $15,4962021Revenue 2022: $80,914Expenses 2022: $72,676Net Income 2022: $8,2382022Revenue 2023: $97,508Expenses 2023: $95,329Net Income 2023: $2,1792023Revenue 2024: $112,583Expenses 2024: $99,828Net Income 2024: $12,7552024

Highlighted filing

2024

Revenue$112,583
Expenses$99,828
Net Income$12,755
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,614,214
Liabilities
$2,239,287
Net assets
$374,927
Revenue
$112,583
Expenses
$99,828
Net income
$12,755
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.61$2.24$0.37$0.11$0.10$0.01
2023Detailed filing. Detailed filing data is available for this year.$2.76$2.40$0.36$0.10$0.10$0.00
2022Detailed filing. Detailed filing data is available for this year.$2.84$2.48$0.36$0.08$0.07$0.01
2021Detailed filing. Detailed filing data is available for this year.$3.02$2.67$0.35$0.09$0.08$0.02
2020Detailed filing. Detailed filing data is available for this year.$2.99$2.65$0.34$0.09$0.08$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 23, 2025
Return Version
2024v5.0
Gross Receipts
$112,583
Mission and Program Overview

Mission

The board has not adopted a mission statement

To assist our members in the management of their financial well-being by providing loans, savings accounts and other financial services in a friendly and professional manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,076,817$1,855,757▼ $221,060
Savings and Temporary Cash Investments$567,129$605,574▲ $38,445
Rtn Earn Endowment Incm Other Fnds$362,185$374,927▲ $12,742
Cash and Non-Interest-Bearing Accounts$89,942$122,496▲ $32,554
Prepaid Expenses and Deferred Charges$3,360$6,547▲ $3,187
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,762,042$2,614,214▼ $147,828
Other Assets Total$24,794$23,840▼ $954
Liabilities
Other Liabilities$2,383,974$2,217,655▼ $166,319
Accounts Payable and Accrued Expenses$15,883$21,632▲ $5,749
Total Liabilities$2,399,857$2,239,287▼ $160,570
Net Assets / Fund Balance
Total Net Assets Fund Balance$362,185$374,927▲ $12,742
Total Liabilities and Net Assets / Fund Balance$2,762,042$2,614,214▼ $147,828
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Robert StockhamChairman of the Board
Myron HigginsVice Chairman
Barbara ReickDirector
Darla PhelpsDirector
Dennis MellgrenDirector
Dennis RunbomDirector
Ray LengDirector
Vickie SeefeldDirector
Diana EggenSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$94,055
Investment Income
$18,528
Other Revenue
$0
Change in Net Assets
$12,755
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$70,382
Salaries, Compensation, and Employee Benefits$29,446
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$27,650
Office Expenses---$6,049
All Other Expenses---$3,325
Insurance---$3,023
Other Expenses---$3,000
Information Technology---$2,565
Payroll Taxes---$1,796
Conferences and Meetings---$1,788
Total Functional Expenses$0$0$0$99,828
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares of Members$2,217,655
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
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, Section A, Line 6

“Any person who meets the membership eligibility requirements may join a credit union and become a member. Credit Unions are owned and controlled by their members and share a common bond.”

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

“A volunteer board is elected by members at the credit union's annual meeting of members. Only members of the credit union may participate by voting in the board election process.”

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

“The CEO/Manager approves the form for online submission. The Board of Directors are furnished a copy of the completed Form 990.”

Form 990, Part VI, Section B, Line 15

“The credit union board of directors evaluates, discusses and determines the salary for the Manager/CEO on an annual basis.”

Form 990, Part VI, Section C, Line 19

“Documents are available upon request. Financial statements are posted in the credit union lobby on a monthly basis.”

Filing and Contact Details

Filer

Filer Name
Mercer Credit Union
EIN
36-2717304
Phone
3095822005
Address
100 SE 3rd St, Aledo, IL 61231

Signing Officer

Name
Jennifer Dixon
Title
CEO
Phone
3095822005
Signed
2025-04-23

Organization Details

Principal Officer
Jenny Dixon
Formed
1969
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
2
Volunteers
9
Raw XML Appendix344 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/ExplanationTxt0Any person who meets the membership eligibility requirements may join a credit union and become a member. Credit Unions are owned and controlled by their members and share a common bond.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A volunteer board is elected by members at the credit union's annual meeting of members. Only members of the credit union may participate by voting in the board election process.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The CEO/Manager approves the form for online submission. The Board of Directors are furnished a copy of the completed Form 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The credit union board of directors evaluates, discusses and determines the salary for the Manager/CEO on an annual basis.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Documents are available upon request. Financial statements are posted in the credit union lobby on a monthly basis.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
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IRS990/TotalLiabilitiesBOYAmt02399857
IRS990/TotalLiabilitiesEOYAmt02239287
IRS990/TotalLiabilitiesGrp/BOYAmt02399857
IRS990/TotalLiabilitiesGrp/EOYAmt02239287
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0362185
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0374927
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0907
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0907
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt094055
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0112583
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0112583
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02762042
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02614214
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0100 SE 3rd St
IRS990/USAddress/CityNm0Aledo
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061231
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0mercercreditunion.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Jennifer Dixon
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03095822005
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MERCER CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MERC
ReturnHeader/Filer/EIN0362717304
ReturnHeader/Filer/PhoneNum03095822005
ReturnHeader/Filer/USAddress/AddressLine1Txt0100 SE 3rd St
ReturnHeader/Filer/USAddress/CityNm0Aledo
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061231
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-04-25T14:29:13-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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