Civic Intelligence

Numark Credit Union

990 • Fiscal year 2014 • EIN 36-6006909

Jan 01, 2014 to Dec 31, 2014 • Filed on May 04, 2015

PO Box 2729Joliet, IL 60434-2729

(815) 729-3211

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.87x

Higher debt load relative to assets than 22% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

17th percentile

13.72x

Higher debt load relative to revenue than 17% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

79th percentile

18%

Higher net margin than 79% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

92nd percentile

$356,161

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

82nd percentile

8.1%

Faster asset growth than 82% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

33rd percentile

-0.3%

Faster revenue growth than 33% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Assets

Up

$202,186,222

Up $15,204,028 (+8.1%) from 2013

Net Assets

Up

$26,994,898

Up $2,461,465 (+10%) from 2013

Liabilities

Up

$175,191,324

Up $12,742,563 (+7.8%) from 2013

Revenue

Down

$12,770,936

Down $33,409 (-0.3%) from 2013

Expenses

Down

$10,502,175

Down $534,970 (-4.8%) from 2013

Net Income

Up

$2,268,761

Up $501,561 (+28%) from 2013

Historical Trend

Balance Sheet Trend

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

$1.0B$500M$0Assets 2010: $149,970,914Liabilities 2010: $130,415,397Net Assets 2010: $19,555,5172010Assets 2011: $163,450,205Liabilities 2011: $142,454,314Net Assets 2011: $20,995,8912011Assets 2012: $179,541,642Liabilities 2012: $156,489,453Net Assets 2012: $23,052,1892012Assets 2013: $186,982,194Liabilities 2013: $162,448,761Net Assets 2013: $24,533,4332013Assets 2014: $202,186,222Liabilities 2014: $175,191,324Net Assets 2014: $26,994,8982014Assets 2015: $220,189,193Liabilities 2015: $190,684,083Net Assets 2015: $29,505,1102015Assets 2016: $236,496,727Liabilities 2016: $204,850,192Net Assets 2016: $31,646,5352016Assets 2017: $247,832,932Liabilities 2017: $213,689,937Net Assets 2017: $34,142,9952017Assets 2018: $258,664,451Liabilities 2018: $222,296,067Net Assets 2018: $36,368,3842018Assets 2019: $271,954,110Liabilities 2019: $232,275,869Net Assets 2019: $39,678,2412019Assets 2020: $332,473,576Liabilities 2020: $287,348,875Net Assets 2020: $45,124,7012020Assets 2021: $604,429,082Liabilities 2021: $536,151,669Net Assets 2021: $68,277,4132021Assets 2022: $632,867,076Liabilities 2022: $558,107,368Net Assets 2022: $74,759,7082022Assets 2023: $765,603,358Liabilities 2023: $685,583,087Net Assets 2023: $80,020,2712023Assets 2024: $850,364,152Liabilities 2024: $764,286,061Net Assets 2024: $86,078,0912024Assets 2025: $884,714,514Liabilities 2025: $791,555,676Net Assets 2025: $93,158,8382025

Highlighted filing

2014

Assets$202,186,222
Liabilities$175,191,324
Net Assets$26,994,898

Operations Trend

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

$80M$60M$40M$20M$0Expenses 2010: $9,166,4902010Expenses 2011: $9,854,8982011Expenses 2012: $11,012,4342012Revenue 2013: $12,804,345Expenses 2013: $11,037,145Net Income 2013: $1,767,2002013Revenue 2014: $12,770,936Expenses 2014: $10,502,175Net Income 2014: $2,268,7612014Revenue 2015: $14,010,843Expenses 2015: $11,668,595Net Income 2015: $2,342,2482015Revenue 2016: $16,179,761Expenses 2016: $14,009,794Net Income 2016: $2,169,9672016Revenue 2017: $16,382,494Expenses 2017: $13,903,626Net Income 2017: $2,478,8682017Revenue 2018: $17,293,415Expenses 2018: $15,032,955Net Income 2018: $2,260,4602018Revenue 2019: $19,483,429Expenses 2019: $16,252,885Net Income 2019: $3,230,5442019Revenue 2020: $22,576,443Expenses 2020: $17,168,915Net Income 2020: $5,407,5282020Revenue 2021: $32,569,723Expenses 2021: $26,446,095Net Income 2021: $6,123,6282021Revenue 2022: $34,998,113Expenses 2022: $28,421,361Net Income 2022: $6,576,7522022Revenue 2023: $46,732,952Expenses 2023: $41,485,307Net Income 2023: $5,247,6452023Revenue 2024: $53,554,643Expenses 2024: $46,964,464Net Income 2024: $6,590,1792024Revenue 2025: $61,360,817Expenses 2025: $55,401,558Net Income 2025: $5,959,2592025

Highlighted filing

2014

Revenue$12,770,936
Expenses$10,502,175
Net Income$2,268,761
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 4, 2015
Return Version
2014v5.0
Gross Receipts
$12,889,940
Mission and Program Overview

Mission

The credit union operates to encourage thrift among its members, create a source of credit at a reasonable rate of interest, and to provide an opportunity for its members to use and control their own money in order to improve their economic and social conditions

The credit union operates to encourage thrift amoung its members, create a source of credit at a reasonable rate of interest, and to provide an opportunity for its members to use and control their own money in order to improve their economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$122,761,443$131,799,268▲ $9,037,825
Savings and Temporary Cash Investments$40,854,054$48,063,373▲ $7,209,319
Rtn Earn Endowment Incm Other Fnds$24,533,433$26,994,898▲ $2,461,465
Land, Buildings, and Equipment, Net$7,498,580$7,261,945▼ $236,635
Investments in Publicly Traded Securities$8,276,174$6,408,338▼ $1,867,836
Cash and Non-Interest-Bearing Accounts$1,629,698$2,142,067▲ $512,369
Investments Other Securities$1,116,171$1,158,065▲ $41,894
Prepaid Expenses and Deferred Charges$185,683$290,413▲ $104,730
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$186,982,194$202,186,222▲ $15,204,028
Other Assets Total$4,660,391$5,062,753▲ $402,362
Liabilities
Other Liabilities$161,177,813$173,969,956▲ $12,792,143
Accounts Payable and Accrued Expenses$1,270,948$1,221,368▼ $49,580
Total Liabilities$162,448,761$175,191,324▲ $12,742,563
Net Assets / Fund Balance
Total Net Assets Fund Balance$24,533,433$26,994,898▲ $2,461,465
Total Liabilities and Net Assets / Fund Balance$186,982,194$202,186,222▲ $15,204,028

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,765,282$3,441,327$8,206,609
Other Land Buildings$798,698$3,216,912$4,015,610
Land$1,697,965-$1,697,965
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ann DubieCEO/presidentFT$292,235$63,926$356,161
Michelle BalogEvpFT$147,093$22,036$169,129
Eric MarcottSenior Mortgage OriginatorFT$124,712$22,564$147,276
Debbie ReedCFOFT$99,167$13,243$112,410

Board Members and Trustees

NameTitle
Richard SheedyChairperson
Clifford StruthersDirector
Dave CorderoDirector
Dave HarrisDirector
James MaguireDirector
Raymond EichDirector
Timothy RathbunDirector
Wally ChlipalaDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,207,814
Investment Income
$563,122
Other Revenue
$0
Change in Net Assets
$2,268,761

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,770,936
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$12,770,936
Total Revenue per Form 990
$12,770,936
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,692,833
Salaries, Compensation, and Employee Benefits$4,809,342
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,986,808
Occupancy---$741,350
Other Employee Benefits---$712,753
Current Officers, Directors, Trustees, and Key Employees---$525,291
Office Expenses---$520,275
Depreciation Depletion---$474,908
Information Technology---$358,911
Advertising---$303,195
Payroll Taxes---$301,439
Pension Plan Contributions---$283,051
Other Expenses---$185,985
Fees for Services Accounting---$92,332
All Other Expenses---$70,533
Travel---$56,371
Fees for Services Legal---$20,207
Total Functional Expenses$0$0$0$10,502,175

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$10,502,175
Total Expenses per Audited Statements$10,502,175
Total Expenses per Form 990$10,502,175
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$3,115
Total Exempt Function Spending$3,115
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$3,115
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$170,969,956
Borrowed Funds$3,000,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

A member is defined as any individual or business that has a loan or deposit account at the credit union.

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

Numark's membership elect a board of directors each year at its annual meeting.

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

Major decisions, such as whether or not to merge into another credit union, would require ratification by the membership to be approved.

Form 990, Part VI, Section B, Line 11

Management reviews form 990 before it is filed with the irs. The board is also given a copy of the form 990 for review.

Form 990, Part VI, Section B, Line 15A

An annual review of the president and key employees is completed by the board and compensation is determined based upon the reviews.

Form 990, Part VI, Section C, Line 19

The credit union's governing documents are on file with the illinois secretary of state's office. Copies of these documents can be obtained through this office. The credit union's financial statements are on display in the lobby of the credit union's home office. The credit union's conflict of interest policy is not made available to the general public.

Filing and Contact Details

Filer

Filer Name
Numark Credit Union
EIN
36-6006909
Phone
8157293211
Address
PO BOX 2729, JOLIET, IL 60434-2729

Signing Officer

Name
Ann M Dubie
Title
President
Phone
8157293211
Signed
2015-05-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ann M Dubie
Formed
1954
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
8
Employees
93
Volunteers
0

Preparer

Firm
Selden Fox Ltd
Address
619 ENTERPRISE DRIVE, OAK BROOK, IL 60523-8835
Preparer
Scott Dykshorn
Phone
6309541400
Raw XML AppendixShowing 400 of 448 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01270948
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01221368
IRS990/AccountsReceivableGrp/BOYAmt0122761443
IRS990/AccountsReceivableGrp/EOYAmt0131799268
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE CREDIT UNION OPERATES TO ENCOURAGE THRIFT AMOUNG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A REASONABLE RATE OF INTEREST, AND TO PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.
IRS990/AdvertisingGrp/TotalAmt0303195
IRS990/AllOtherExpensesGrp/TotalAmt070533
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ANN DUBIE
IRS990/BooksInCareOfDetail/PhoneNum08157293211
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01654 TERRY DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0JOLIET
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060434
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01629698
IRS990/CashNonInterestBearingGrp/EOYAmt02142067
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0525291
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0563122
IRS990/CYOtherExpensesAmt05692833
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt012207814
IRS990/CYRevenuesLessExpensesAmt02268761
IRS990/CYSalariesCompEmpBnftPaidAmt04809342
IRS990/CYTotalExpensesAmt010502175
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt012770936
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0474908
IRS990/Desc0LOANS (REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER) ARE PROVIDED TO MEMBERS. THE NUMBER OF LOANS OUTSTANDING AT 12/31/14 WAS 10,907.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt093
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt092332
IRS990/FeesForServicesLegalGrp/TotalAmt020207
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt24.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt34.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt44.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt54.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt64.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt74.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt84.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt94.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
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/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt063926
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt122036
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/OtherCompensationAmt1013243
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1122564
IRS990/Form990PartVIISectionAGrp/PersonNm0ANN DUBIE
IRS990/Form990PartVIISectionAGrp/PersonNm1MICHELLE BALOG
IRS990/Form990PartVIISectionAGrp/PersonNm2WALLY CHLIPALA
IRS990/Form990PartVIISectionAGrp/PersonNm3DAVE HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm4JAMES MAGUIRE
IRS990/Form990PartVIISectionAGrp/PersonNm5RICHARD SHEEDY
IRS990/Form990PartVIISectionAGrp/PersonNm6TIMOTHY RATHBUN
IRS990/Form990PartVIISectionAGrp/PersonNm7DAVE CORDERO
IRS990/Form990PartVIISectionAGrp/PersonNm8CLIFFORD STRUTHERS
IRS990/Form990PartVIISectionAGrp/PersonNm9RAYMOND EICH
IRS990/Form990PartVIISectionAGrp/PersonNm10DEBBIE REED
IRS990/Form990PartVIISectionAGrp/PersonNm11ERIC MARCOTT
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0292235
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1147093
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1099167
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11124712
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SENIOR MORTGAGE ORIGINATOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt012946
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0131950
IRS990/GrossReceiptsAmt012889940
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0358911
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0550176
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0550176
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01116171
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01158065
IRS990/InvestmentsPubTradedSecGrp/BOYAmt08276174
IRS990/InvestmentsPubTradedSecGrp/EOYAmt06408338
IRS990/IRPDocumentCnt05372
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06658239
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07498580
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07261945
IRS990/LandBldgEquipCostOrOtherBssAmt013920184
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0119004
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE CREDIT UNION OPERATES TO ENCOURAGE THRIFT AMOUNG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A REASONABLE RATE OF INTEREST, AND TO PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt024533433
IRS990/NetAssetsOrFundBalancesEOYAmt026994898
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt012946
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt012946
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0192704
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0741350
IRS990/OfficeExpensesGrp/TotalAmt0520275
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04660391
IRS990/OtherAssetsTotalGrp/EOYAmt05062753
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0712753
IRS990/OtherExpensesGrp/Desc0MEMBER SERVICES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2INTEREST ON MEMBERS' AC
IRS990/OtherExpensesGrp/Desc3EQUIPMENT RENTAL AND MA
IRS990/OtherExpensesGrp/TotalAmt01421575
IRS990/OtherExpensesGrp/TotalAmt1750000
IRS990/OtherExpensesGrp/TotalAmt2697191
IRS990/OtherExpensesGrp/TotalAmt3185985
IRS990/OtherLiabilitiesGrp/BOYAmt0161177813
IRS990/OtherLiabilitiesGrp/EOYAmt0173969956
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt02986808
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0301439
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0283051
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0185683
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0290413
IRS990/PrincipalOfficerNm0ANN M DUBIE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2GAIN ON SALE OF MORTGAGES
IRS990/ProgramServiceRevenueGrp/Desc3OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07912519
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13247689
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2973171
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt374435
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07912519
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13247689
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2973171
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt374435
IRS990/ProgSrvcAccomActy2Grp/Desc0DEPOSIT/SHARE ACCOUNTS (SAVINGS, CHECKING, CERTIFICATES AND OTHER) THE NUMBER OF DEPOSIT/SHARE ACCOUNTS OUTSTANDING AT 12/31/14 WAS 51,238.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0484994
IRS990/PYOtherExpensesAmt06433712
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt012319351
IRS990/PYRevenuesLessExpensesAmt01767200
IRS990/PYSalariesCompEmpBnftPaidAmt04603433
IRS990/PYTotalExpensesAmt011037145
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012804345
IRS990/ReconcilationRevenueExpnssAmt02268761
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt024533433
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt026994898
IRS990/SavingsAndTempCashInvstGrp/BOYAmt040854054
IRS990/SavingsAndTempCashInvstGrp/EOYAmt048063373
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt03115
IRS990ScheduleC/PoliticalExpendituresAmt03115
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0363092340
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CREDIT UNION POLICITCAL ACTION COUNCIL
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt03115
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01807 WEST DIEHL ROAD PO BOX 3107
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0NAPERVILLE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0IL
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd0605667107
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO CREDIT UNION POLITICAL ACTION COUNCIL THAT IS REPORTED IN PARTS I-A AND I-C OF THIS SCHEDULE C.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt03115
IRS990ScheduleC/VolunteerHoursCnt00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04765282
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03441327
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08206609
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt010502175
IRS990ScheduleD/LandGrp/BookValueAmt01697965
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01697965
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0798698
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt03216912
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt04015610
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0170969956
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1BORROWED FUNDS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012770936
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07261945
IRS990ScheduleD/TotalExpensesPerForm990Amt010502175
IRS990ScheduleD/TotalLiabilityAmt0173969956
IRS990ScheduleD/TotalRevenuePerForm990Amt012770936
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012770936
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt010502175
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0292235
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1147093
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt031402
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt117656
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt032524
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt14380
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ANN DUBIE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MICHELLE BALOG
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EVP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0356161
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1169129
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A MEMBER IS DEFINED AS ANY INDIVIDUAL OR BUSINESS THAT HAS A LOAN OR DEPOSIT ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NUMARK'S MEMBERSHIP ELECT A BOARD OF DIRECTORS EACH YEAR AT ITS ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MAJOR DECISIONS, SUCH AS WHETHER OR NOT TO MERGE INTO ANOTHER CREDIT UNION, WOULD REQUIRE RATIFICATION BY THE MEMBERSHIP TO BE APPROVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT REVIEWS FORM 990 BEFORE IT IS FILED WITH THE IRS. THE BOARD IS ALSO GIVEN A COPY OF THE FORM 990 FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AN ANNUAL REVIEW OF THE PRESIDENT AND KEY EMPLOYEES IS COMPLETED BY THE BOARD AND COMPENSATION IS DETERMINED BASED UPON THE REVIEWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION'S GOVERNING DOCUMENTS ARE ON FILE WITH THE ILLINOIS SECRETARY OF STATE'S OFFICE. COPIES OF THESE DOCUMENTS CAN BE OBTAINED THROUGH THIS OFFICE. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE ON DISPLAY IN THE LOBBY OF THE CREDIT UNION'S HOME OFFICE. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE GENERAL PUBLIC.
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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0186982194
IRS990/TotalAssetsEOYAmt0202186222
IRS990/TotalAssetsGrp/BOYAmt0186982194
IRS990/TotalAssetsGrp/EOYAmt0202186222
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt093
IRS990/TotalFunctionalExpensesGrp/TotalAmt010502175
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0162448761
IRS990/TotalLiabilitiesEOYAmt0175191324
IRS990/TotalLiabilitiesGrp/BOYAmt0162448761
IRS990/TotalLiabilitiesGrp/EOYAmt0175191324
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt024533433
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt026994898
IRS990/TotalOtherCompensationAmt0121769
IRS990/TotalProgramServiceRevenueAmt012207814

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$885$792$93.2$61.4$55.4$5.96
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$850$764$86.1$53.6$47.0$6.59
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$766$686$80.0$46.7$41.5$5.25
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$633$558$74.8$35.0$28.4$6.58
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$604$536$68.3$32.6$26.4$6.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$332$287$45.1$22.6$17.2$5.41
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$272$232$39.7$19.5$16.3$3.23
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$259$222$36.4$17.3$15.0$2.26
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$248$214$34.1$16.4$13.9$2.48
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$236$205$31.6$16.2$14.0$2.17
2015Detailed filing. Detailed filing data is available for this year.$220$191$29.5$14.0$11.7$2.34
2014Detailed filing. Detailed filing data is available for this year.$202$175$27.0$12.8$10.5$2.27
2013Detailed filing. Detailed filing data is available for this year.$187$162$24.5$12.8$11.0$1.77
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$180$156$23.1$11.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$142$21.0$9.85
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$150$130$19.6$9.17