Liabilities / Assets
14th percentile
Higher debt load relative to assets than 14% of similar nonprofits.
990 • Fiscal year 2013 • EIN 36-6062499
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
14th percentile
Higher debt load relative to assets than 14% of similar nonprofits.
Liabilities / Revenue
30th percentile
Higher debt load relative to revenue than 30% of similar nonprofits.
Net Margin
67th percentile
Higher net margin than 67% of similar nonprofits.
Top Officer Pay
73rd percentile
Higher top officer pay than 73% of similar nonprofits.
Top officer pay equals 2.0% of source-year revenue.
Asset Growth
9th percentile
Faster asset growth than 9% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Down$220,341,872
Down $2,750,444 (-1.2%) from 2012
Net Assets
Up$33,593,232
Up $285,035 (+0.9%) from 2012
Liabilities
Down$186,748,640
Down $3,035,479 (-1.6%) from 2012
Revenue
$11,886,347
No earlier filing loaded for comparison.
Expenses
Down$10,194,832
Down $528,368 (-4.9%) from 2012
Net Income
$1,691,515
No earlier filing loaded for comparison.
We are a member owned financial institution existing to provide members quality products and services while maintaining a competitive rate of return on deposits, security of capital strength, and competitive rates on loans.
To assist our members in the management of their financial well-being by providing loans, savings accounts, and other financial institution services in a friendly and professional manner.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $115,865,716 | $122,560,031 | ▲ $6,694,315 |
| Investments in Publicly Traded Securities | $54,588,268 | $49,732,117 | ▼ $4,856,151 |
| Savings and Temporary Cash Investments | $38,278,517 | $34,308,560 | ▼ $3,969,957 |
| Rtn Earn Endowment Incm Other Fnds | $33,308,197 | $33,593,232 | ▲ $285,035 |
| Land, Buildings, and Equipment, Net | $8,017,224 | $7,804,123 | ▼ $213,101 |
| Cash and Non-Interest-Bearing Accounts | $2,233,694 | $1,656,098 | ▼ $577,596 |
| Prepaid Expenses and Deferred Charges | $759,513 | $850,857 | ▲ $91,344 |
| Accounts Receivable | $576,898 | $534,171 | ▼ $42,727 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Receivables From Officers Etc | $0 | $0 | → $0 |
| Investments Other Securities | $0 | $0 | → $0 |
| Investments Program Related | $0 | $0 | → $0 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Intangible Assets | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Total Assets | $223,092,316 | $220,341,872 | ▼ $2,750,444 |
| Other Assets Total | $2,772,486 | $2,895,915 | ▲ $123,429 |
| Liabilities | |||
| Other Liabilities | $188,977,624 | $185,576,673 | ▼ $3,400,951 |
| Accounts Payable and Accrued Expenses | $806,495 | $1,171,967 | ▲ $365,472 |
| Grants Payable | $0 | $0 | → $0 |
| Mortgage Notes Payable Secured by Investment Property | $0 | $0 | → $0 |
| Unsecured Notes Loans Payable | $0 | $0 | → $0 |
| Deferred Revenue | $0 | $0 | → $0 |
| Escrow Account Liability | $0 | $0 | → $0 |
| Tax Exempt Bond Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $189,784,119 | $186,748,640 | ▼ $3,035,479 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $33,308,197 | $33,593,232 | ▲ $285,035 |
| Total Liabilities and Net Assets / Fund Balance | $223,092,316 | $220,341,872 | ▼ $2,750,444 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $3,654,381 | $1,956,298 | $5,610,679 |
| Land | $3,559,939 | - | $3,559,939 |
| Equipment | $406,554 | $2,612,140 | $3,018,694 |
| Other Land Buildings | $131,622 | $307,394 | $439,016 |
| Leasehold Improvements | $51,627 | $103,851 | $155,478 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Elizabeth Calderone | CEO/President | FT | $187,000 | $51,626 | $238,626 |
| Noreen Wilkerson | Vice-President | FT | $101,715 | $25,511 | $127,226 |
| Robert T Westmoreland | Vice-President | FT | $92,248 | $24,565 | $116,813 |
| Name | Title |
|---|---|
| Connie Busby | Chairman |
| James Burkiewicz | Vice-Chairman |
| Darla Mullner | Director |
| Jill Ferko | Director |
| Leonard Nelson | Director |
| Ronald Westphal | Director |
| Richard Kish | Secretary |
| Larry Reddish | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $6,633,671 |
| Salaries, Compensation, and Employee Benefits | $3,557,161 |
| Grants and Similar Amounts Paid | $4,000 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $2,085,021 |
| Other Expenses | - | - | - | $847,123 |
| Other Employee Benefits | - | - | - | $562,893 |
| Information Technology | - | - | - | $557,138 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $482,665 |
| Occupancy | - | - | - | $419,328 |
| Depreciation Depletion | - | - | - | $345,311 |
| All Other Expenses | - | - | - | $324,631 |
| Office Expenses | - | - | - | $289,480 |
| Pension Plan Contributions | - | - | - | $217,215 |
| Payroll Taxes | - | - | - | $209,367 |
| Insurance | - | - | - | $151,785 |
| Advertising | - | - | - | $130,842 |
| Fees for Services Accounting | - | - | - | $97,481 |
| Fees for Services Legal | - | - | - | $59,003 |
| Fees for Services Other | - | - | - | $36,760 |
| Conferences and Meetings | - | - | - | $29,113 |
| Payments to Affiliates | - | - | - | $25,762 |
| Travel | - | - | - | $7,851 |
| Grants to Domestic Individuals | - | - | - | $4,000 |
| Interest | - | - | - | $44 |
| Total Functional Expenses | $0 | $0 | $0 | $10,194,832 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $10,194,832 |
| Total Expenses per Audited Statements | $10,194,832 |
| Total Expenses per Form 990 | $10,194,832 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
| Line Item | Amount |
|---|---|
| Fundraising Direct Expenses | $0 |
| Fundraising Gross Income | $0 |
| Gaming Direct Expenses | $0 |
| Gaming Gross Income | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Amount |
|---|---|
| Political Expenditures | $2,896 |
| Total Exempt Function Spending | $2,896 |
| Section 527 Activity Spending | $0 |
| Organization | Location | Amount |
|---|---|---|
| 36-3092340 | - | $2,896 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Liability | Amount |
|---|---|
| Members' share and other deposits | $185,576,673 |
“ECU has members, not stockholders.”
“ECU has members who may elect one or more members of the governing body, the Board of Directors.”
“Yes, some decisions of the governing body are subject to approval by members.”
“ECU's President / CEO, who is also on the Board of Directors, reviews and files the 990 report. The 990 report is made available to the other Board of Directors members for review.”
“ECU regularly monitors various reports to enforce compliance with the conflict of interest policy. ECU reviews this policy annually with all staff and directors to reinforce ECU's code of conduct.”
“ECU's Board of Directors Compensation Committee conducts salary surveys and discusses compensation for key positions.”
“ECU makes its governing documents, conflict of interest policy, and financial statements available to the public upon request. In addition, ECU posts its financial statements in its office lobbies, distributes an annual report to its members, and holds an annual meeting which is open to the public.”
“The number of volunteers relates to ECU's Board of Directors members.”
“Other program services: Provided $11,487,155 new home equity services to members; 1,747 home equity line of credit advances and 108 home equity closed end loans. Provided new mortgage services to 48 members, totaling $5,865,675. Provided VISA credit cards to 11,166 members; issued 988 new VISA credit cards. Financed 1,532 vehicles and 943 consumer loans, including 2 indirect loans. Provided 897,560 ATM transactions. Provided audio response to 5,010 members. Provided home banking / bill payment internet access to 7,185 members. Provided e-statement access to 4,165 members. Provided 763 IRA accounts to members. Provided 692 Christmas Club accounts to members. Provided consumer and credit union education, directly to 19 and indirectly to about 2,550 students.”
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/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 806495 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1171967 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 576898 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 534171 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | To assist our members in the management of their financial well-being by providing loans, savings accounts, and other financial institution services in a friendly and professional manner. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 130842 |
| IRS990/AllOtherContributionsAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 324631 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Noreen Wilkerson VP Finance |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6308444950 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 2195 Baseline Rd |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | Oswego |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 60543 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2233694 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1656098 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 482665 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 29113 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContriRptFundraisingEventAmt | 0 | 0 |
| IRS990/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 155 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 4000 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1161866 |
| IRS990/CYOtherExpensesAmt | 0 | 6633671 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 10724326 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1691515 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 3557161 |
| IRS990/CYTotalExpensesAmt | 0 | 10194832 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 11886347 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 345311 |
| IRS990/Desc | 0 | Provided credit union services to 23,361 members, including 1,793 new member accounts. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 114 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FederatedCampaignsAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 97481 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 59003 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 36760 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 60 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 50 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 27651 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 25511 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 24565 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Connie Busby |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | James Burkiewicz |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Larry Reddish |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Richard Kish |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Jill Ferko |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Darla Mullner |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Leonard Nelson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Ronald Westphal |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Elizabeth Calderone |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Noreen Wilkerson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Robert T Westmoreland |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 210975 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 101715 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 92248 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice-Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CEO/President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Vice-President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Vice-President |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1958 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/FundraisingAmt | 0 | 0 |
| IRS990/FundraisingDirectExpensesAmt | 0 | 0 |
| IRS990/FundraisingGrossIncomeAmt | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -14512 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 46546 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GamingDirectExpensesAmt | 0 | 0 |
| IRS990/GamingGrossIncomeAmt | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GovernmentGrantsAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/BOYAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/EOYAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 4000 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 157857 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 811838 |
| IRS990/GrossReceiptsAmt | 0 | 12824008 |
| IRS990/GrossRentsGrp/PersonalAmt | 0 | 0 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 0 |
| IRS990/GrossSalesOfInventoryAmt | 0 | 0 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 557138 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 151785 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 44 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1129832 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1129832 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 54588268 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 49732117 |
| IRS990/IRPDocumentCnt | 0 | 5421 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 4979683 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 8017224 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 7804123 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 12783806 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 172369 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 765292 |
| IRS990/LessRentalExpensesGrp/PersonalAmt | 0 | 0 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembershipDuesAmt | 0 | 155 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/MissionDesc | 0 | We are a member owned financial institution existing to provide members quality products and services while maintaining a competitive rate of return on deposits, security of capital strength, and competitive rates on loans. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 33308197 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 33593232 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 32034 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 32034 |
| IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -1406480 |
| IRS990/NoncashContributionsAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 419328 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 289480 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2772486 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2895915 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 562893 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 1 | Dividends |
| IRS990/OtherExpensesGrp/Desc | 2 | VISA / Loan Servicing / Collections |
| IRS990/OtherExpensesGrp/Desc | 3 | ATM / Debit / Checking |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1815000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 646443 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 850576 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 847123 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 188977624 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 185576673 |
| IRS990/OtherOrganizationDsc | 0 | Cooperative |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2085021 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 115865716 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 122560031 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 25762 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 209367 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 217215 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 1 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 759513 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 850857 |
| IRS990/PrincipalOfficerNm | 0 | Elizabeth Calderone |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Loan Interest |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee & Interchange Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Other Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5997750 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 3721945 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 1004631 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 5997750 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 3721945 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 1004631 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Issued 4,373 new loans and advances, totaling $41,707,920. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Provided 11,719 checking services to members, including debit card services to 9,316 members. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 20 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 3000 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1228083 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 7141674 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 10911579 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1416482 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3578526 |
| IRS990/PYTotalExpensesAmt | 0 | 10723200 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 12139682 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1691515 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RelatedOrganizationsAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 33308197 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 33593232 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 38278517 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 34308560 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleC/Expended527ActivitiesAmt | 0 | 0 |
| IRS990ScheduleC/Form1120POLFiledInd | 0 | 1 |
| IRS990ScheduleC/InternalFundsContributedAmt | 0 | 2896 |
| IRS990ScheduleC/PoliticalExpendituresAmt | 0 | 2896 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt | 0 | 3335 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/EIN | 0 | 363092340 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1 | 0 | CU Political Action Council |
| IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt | 0 | 2896 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1 | 0 | 1807 W Diehl Rd PO Box 3107 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City | 0 | Naperville |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State | 0 | IL |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode | 0 | 605667107 |
| IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt | 0 | Earthmover Credit Union contributed $2,896 from corporate funds during 2013 to CUPAC - Credit Union Political Action Council. This contribution represented $2,500 for ECU's corporate membership and $396 for a corporate donation to CUPAC's golf outing. |
| IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt | 1 | Earthmover Credit Union received $3,335 from its staff and Board of Directors, and promptly and directly delivered these contributions to CUPAC on their behalf. |
| IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule C, Part I-A, Line 1 |
| IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Schedule C, Part I-C, Line 5 |
| IRS990ScheduleC/TotalExemptFunctionExpendAmt | 0 | 2896 |
| IRS990ScheduleC/VolunteerHoursCnt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3654381 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1956298 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 5610679 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.