Civic Intelligence

Numark Credit Union

990 • Fiscal year 2024 • EIN 36-6006909

Jan 01, 2024 to Dec 31, 2024 • Filed on Apr 03, 2025

Organization ProfileWWW.NUMARKCU.ORG

View Organization Page

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

48th percentile

0.90x

Higher debt load relative to assets than 48% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

40th percentile

14.27x

Higher debt load relative to revenue than 40% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

65th percentile

12%

Higher net margin than 65% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

54th percentile

$466,427

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

93rd percentile

11%

Faster asset growth than 93% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

51st percentile

15%

Faster revenue growth than 51% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets48th percentile

Assets

Up

$850,364,152

Up $84,760,794 (+11%) from 2023

Net Assets

Up

$86,078,091

Up $6,057,820 (+7.6%) from 2023

Liabilities

Up

$764,286,061

Up $78,702,974 (+11%) from 2023

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin65th percentile

Revenue

Up

$53,554,643

Up $6,821,691 (+15%) from 2023

Expenses

Up

$46,964,464

Up $5,479,157 (+13%) from 2023

Net Income

Up

$6,590,179

Up $1,342,534 (+26%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

2024

Assets$850,364,152
Liabilities$764,286,061
Net Assets$86,078,091
Open 2024 Filing

Operations Trend

Revenue Growth51st percentile

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

2024

Revenue$53,554,643
Expenses$46,964,464
Net Income$6,590,179
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 3, 2025
Return Version
2024v5.1
Gross Receipts
$54,031,129
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 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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$592,909,339$629,489,551▲ $36,580,212
Savings and Temporary Cash Investments$86,837,325$101,951,400▲ $15,114,075
Rtn Earn Endowment Incm Other Fnds$80,020,271$86,078,091▲ $6,057,820
Investments Program Related$15,285,812$47,021,162▲ $31,735,350
Land, Buildings, and Equipment, Net$12,724,326$12,945,280▲ $220,954
Investments Other Securities$3,835,176$4,929,414▲ $1,094,238
Cash and Non-Interest-Bearing Accounts$3,989,689$4,301,104▲ $311,415
Prepaid Expenses and Deferred Charges$912,461$832,626▼ $79,835
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$765,603,358$850,364,152▲ $84,760,794
Other Assets Total$49,109,230$48,893,615▼ $215,615
Liabilities
Other Liabilities$666,994,928$708,320,990▲ $41,326,062
Unsecured Notes Loans Payable$9,900,000$47,400,000▲ $37,500,000
Accounts Payable and Accrued Expenses$8,688,159$8,565,071▼ $123,088
Total Liabilities$685,583,087$764,286,061▲ $78,702,974
Net Assets / Fund Balance
Total Net Assets Fund Balance$80,020,271$86,078,091▲ $6,057,820
Total Liabilities and Net Assets / Fund Balance$765,603,358$850,364,152▲ $84,760,794

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,035,765$6,263,241$13,299,006
Equipment$1,687,597$4,833,320$6,520,917
Land$4,221,918-$4,221,918
Investment Program Related Org$22,376,583--
Other Assets Org$39,551,439--
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lloyd FredendallPresident/CEOFT$393,074$73,353$466,427
Michelle BalogEvpFT$297,841$41,496$339,337
Bernard NiewoehnerEvpFT$228,106$28,774$256,880
Steve ClarkCLOFT$209,616$46,503$256,119
Kevin QuinnCIOFT$194,063$49,536$243,599
Debbie ReedCFOFT$199,106$32,389$231,495
Susan PfeifferSr Mortgage Loan OriginatorFT$185,617$39,196$224,813
Harry StewartVP of Mortgage LendingFT$170,837$36,379$207,216
Jessica MellenCXOFT$170,645$27,176$197,821
Laurie VeasyVP of LendingFT$169,577$25,683$195,260

Board Members and Trustees

NameTitle
Clifford StruthersChairperson
Joe JosephVice Chairperson
Dave HarrisDirector
Dennis HughesDirector
George FiegleDirector
Greg ZilinskyDirector
Steven MagruderDirector
Wally ChlipalaDirector
Raymond EichSecretary
Jim BrozTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$48,165,469
Investment Income
$5,389,174
Other Revenue
$0
Change in Net Assets
$6,590,179

Audited Revenue Reconciliation

Revenue per Audited Statements
$53,554,643
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$53,554,643
Total Revenue per Form 990
$53,554,643
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$30,820,707
Salaries, Compensation, and Employee Benefits$16,143,757
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,260,116
Other Employee Benefits---$2,450,703
Occupancy---$1,839,184
Current Officers, Directors, Trustees, and Key Employees---$1,327,743
Interest---$1,294,029
Pension Plan Contributions---$1,163,664
Advertising---$1,078,736
Other Expenses---$1,050,000
Office Expenses---$1,040,064
Information Technology---$999,179
Depreciation Depletion---$947,459
Payroll Taxes---$941,531
All Other Expenses---$532,301
Fees for Services Legal---$174,000
Travel---$153,047
Fees for Services Management---$-206,983
Total Functional Expenses$0$0$0$46,964,464

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$46,964,464
Total Expenses per Audited Statements$46,964,464
Total Expenses per Form 990$46,964,464
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$5,000
Total Exempt Function Spending$5,000

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$5,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$708,320,990
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 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
Yes
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 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 11B

“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 15

“An annual review of the president 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 department of financial & professional regulation. 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
Michelle Balog
Title
President & CEO
Phone
8157293211
Signed
2025-04-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle Balog
Formed
1954
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
Employees
224
Volunteers
10

Preparer

Firm
Selden Fox Ltd
Address
ONE PARKVIEW PLAZA SUITE 710, OAKBROOK TERRACE, IL 60181
Preparer
Michael Kram
Phone
6309541400
Supplemental Narrative

Additional Explanations

Form 990 Part XII Line 2C

“The process has not changed from the prior year.”

Raw XML AppendixShowing 400 of 661 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/BOYAmt08688159
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt08565071
IRS990/AccountsReceivableGrp/BOYAmt0592909339
IRS990/AccountsReceivableGrp/EOYAmt0629489551
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE 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.
IRS990/AdvertisingGrp/TotalAmt01078736
IRS990/AllOtherExpensesGrp/TotalAmt0532301
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MICHELLE BALOG
IRS990/BooksInCareOfDetail/PhoneNum06308217201
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01654 TERRY DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0JOLIET
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060434
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt03989689
IRS990/CashNonInterestBearingGrp/EOYAmt04301104
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01327743
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt05389174
IRS990/CYOtherExpensesAmt030820707
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt048165469
IRS990/CYRevenuesLessExpensesAmt06590179
IRS990/CYSalariesCompEmpBnftPaidAmt016143757
IRS990/CYTotalExpensesAmt046964464
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt053554643
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0947459
IRS990/Desc0LOANS (REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER) ARE PROVIDED TO MEMBERS. THE NUMBER OF LOANS OUTSTANDING AT 12/31/24 WAS 89,877.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0224
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesLegalGrp/TotalAmt0174000
IRS990/FeesForServicesManagementGrp/TotalAmt0-206983
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt04.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt14.00
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/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1940.00
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/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
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/OtherCompensationAmt1073353
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1141496
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1228774
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1332389
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1446503
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1549536
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1639196
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1736379
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1827176
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1925683
IRS990/Form990PartVIISectionAGrp/PersonNm0WALLY CHLIPALA
IRS990/Form990PartVIISectionAGrp/PersonNm1DAVE HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm2CLIFFORD STRUTHERS
IRS990/Form990PartVIISectionAGrp/PersonNm3RAYMOND EICH
IRS990/Form990PartVIISectionAGrp/PersonNm4STEVEN MAGRUDER
IRS990/Form990PartVIISectionAGrp/PersonNm5JIM BROZ
IRS990/Form990PartVIISectionAGrp/PersonNm6GEORGE FIEGLE
IRS990/Form990PartVIISectionAGrp/PersonNm7DENNIS HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm8JOE JOSEPH
IRS990/Form990PartVIISectionAGrp/PersonNm9GREG ZILINSKY
IRS990/Form990PartVIISectionAGrp/PersonNm10LLOYD FREDENDALL
IRS990/Form990PartVIISectionAGrp/PersonNm11MICHELLE BALOG
IRS990/Form990PartVIISectionAGrp/PersonNm12BERNARD NIEWOEHNER
IRS990/Form990PartVIISectionAGrp/PersonNm13DEBBIE REED
IRS990/Form990PartVIISectionAGrp/PersonNm14STEVE CLARK
IRS990/Form990PartVIISectionAGrp/PersonNm15KEVIN QUINN
IRS990/Form990PartVIISectionAGrp/PersonNm16SUSAN PFEIFFER
IRS990/Form990PartVIISectionAGrp/PersonNm17HARRY STEWART
IRS990/Form990PartVIISectionAGrp/PersonNm18JESSICA MELLEN
IRS990/Form990PartVIISectionAGrp/PersonNm19LAURIE VEASY
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/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10393074
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11297841
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12228106
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13199106
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14209616
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15194063
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16185617
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17170837
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18170645
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19169577
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/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt15CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SR MORTGAGE LOAN ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18CXO
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP OF LENDING
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt06764
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0483250
IRS990/GrossReceiptsAmt054031129
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt028
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0999179
IRS990/InterestGrp/TotalAmt01294029
IRS990/InvestmentIncomeGrp/ExclusionAmt05382410
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05382410
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03835176
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04929414
IRS990/InvestmentsProgramRelatedGrp/BOYAmt015285812
IRS990/InvestmentsProgramRelatedGrp/EOYAmt047021162
IRS990/IRPDocumentCnt012571
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt011096561
IRS990/LandBldgEquipBasisNetGrp/BOYAmt012724326
IRS990/LandBldgEquipBasisNetGrp/EOYAmt012945280
IRS990/LandBldgEquipCostOrOtherBssAmt024041841
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0476486
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE 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
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt080020271
IRS990/NetAssetsOrFundBalancesEOYAmt086078091
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt06764
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt06764
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-532359
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01839184
IRS990/OfficeExpensesGrp/TotalAmt01040064
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt049109230
IRS990/OtherAssetsTotalGrp/EOYAmt048893615
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02450703
IRS990/OtherExpensesGrp/Desc0INTEREST ON MEMBERS' AC
IRS990/OtherExpensesGrp/Desc1MEMBER SERVICES
IRS990/OtherExpensesGrp/Desc2EQUIPMENT RENTAL AND MA
IRS990/OtherExpensesGrp/Desc3PROVISION FOR CREDIT LO
IRS990/OtherExpensesGrp/TotalAmt012973052
IRS990/OtherExpensesGrp/TotalAmt17748907
IRS990/OtherExpensesGrp/TotalAmt21197732
IRS990/OtherExpensesGrp/TotalAmt31050000
IRS990/OtherLiabilitiesGrp/BOYAmt0666994928
IRS990/OtherLiabilitiesGrp/EOYAmt0708320990
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt010260116
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0941531
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01163664
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0912461
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0832626
IRS990/PrincipalOfficerNm0MICHELLE BALOG
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/RelatedOrExemptFuncIncomeAmt037670378
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19525100
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2597180
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3372811
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt037670378
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19525100
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2597180
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3372811
IRS990/ProgSrvcAccomActy2Grp/Desc0DEPOSIT/SHARE ACCOUNTS (SAVINGS, CHECKING, CERTIFICATES AND OTHER) THE NUMBER OF DEPOSIT/SHARE ACCOUNTS OUTSTANDING AT 12/31/24 WAS 120,130.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04494808
IRS990/PYOtherExpensesAmt026806321
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt042238144
IRS990/PYRevenuesLessExpensesAmt05247645
IRS990/PYSalariesCompEmpBnftPaidAmt014678986
IRS990/PYTotalExpensesAmt041485307
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt046732952
IRS990/ReconcilationRevenueExpnssAmt06590179
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt080020271
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt086078091
IRS990/SavingsAndTempCashInvstGrp/BOYAmt086837325
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0101951400
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt05000
IRS990ScheduleC/PoliticalExpendituresAmt05000
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0363092340
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CREDIT UNION POLICITCAL ACTION COUNCIL
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt05000
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/TotalExemptFunctionExpendAmt05000
IRS990ScheduleD/BuildingsGrp/BookValueAmt07035765
IRS990ScheduleD/BuildingsGrp/DepreciationAmt06263241
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt013299006
IRS990ScheduleD/EquipmentGrp/BookValueAmt01687597
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04833320
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06520917
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt046964464
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt03963800
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt14000000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt215433354
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31139502
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4107923
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt522376583
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0US TREASURY SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1FHLB BOND
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2MORTGAGE BACKED SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3SBA INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4MUNICIPAL SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5K FLOATER SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/LandGrp/BookValueAmt04221918
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04221918
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02995728
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt16346448
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt239551439
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0708320990
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt053554643
IRS990ScheduleD/TotalBookValueLandBuildingsAmt012945280
IRS990ScheduleD/TotalBookValueOtherAssetsAmt048893615
IRS990ScheduleD/TotalBookValueProgramRltdAmt047021162
IRS990ScheduleD/TotalExpensesPerForm990Amt046964464

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$850,364,152
Liabilities
$764,286,061
Net assets
$86,078,091
Revenue
$53,554,643
Expenses
$46,964,464
Net income
$6,590,179
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
2024Detailed filing. Detailed filing data is available for this year.$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
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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