Civic Intelligence

Earthmover Credit Union

990 • Fiscal year 2019 • EIN 36-6062499

Jan 01, 2019 to Dec 31, 2019 • Filed on Jun 29, 2020

Organization Profilewww.earthmovercu.com

View Organization Page

PO Box 2937Aurora, IL 60507-2937

(630) 844-4950

Siviq Scores

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

Liabilities / Assets

7th percentile

0.81x

Higher debt load relative to assets than 7% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

23rd percentile

13.88x

Higher debt load relative to revenue than 23% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

88th percentile

24%

Higher net margin than 88% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

8th percentile

$237,125

Higher top officer pay than 8% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

57th percentile

7.5%

Faster asset growth than 57% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

42nd percentile

8.1%

Faster revenue growth than 42% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets7th percentile

Assets

Up

$292,564,037

Up $20,311,849 (+7.5%) from 2018

Net Assets

Up

$54,522,490

Up $5,198,454 (+11%) from 2018

Liabilities

Up

$238,041,547

Up $15,113,395 (+6.8%) from 2018

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin88th percentile

Revenue

Up

$17,144,896

Up $1,288,392 (+8.1%) from 2018

Expenses

Up

$13,100,089

Up $1,191,193 (+10%) from 2018

Net Income

Up

$4,044,807

Up $97,199 (+2.5%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth57th percentile

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

$600M$400M$200M$0Assets 2010: $203,348,622Liabilities 2010: $173,701,544Net Assets 2010: $29,647,0782010Assets 2011: $212,113,625Liabilities 2011: $180,439,579Net Assets 2011: $31,674,0462011Assets 2012: $223,092,316Liabilities 2012: $189,784,119Net Assets 2012: $33,308,1972012Assets 2013: $220,341,872Liabilities 2013: $186,748,640Net Assets 2013: $33,593,2322013Assets 2014: $225,671,860Liabilities 2014: $188,908,525Net Assets 2014: $36,763,3352014Assets 2015: $238,771,898Liabilities 2015: $199,355,397Net Assets 2015: $39,416,5012015Assets 2016: $247,983,525Liabilities 2016: $206,030,885Net Assets 2016: $41,952,6402016Assets 2017: $259,718,385Liabilities 2017: $214,066,271Net Assets 2017: $45,652,1142017Assets 2018: $272,252,188Liabilities 2018: $222,928,152Net Assets 2018: $49,324,0362018Assets 2019: $292,564,037Liabilities 2019: $238,041,547Net Assets 2019: $54,522,4902019Assets 2020: $339,748,049Liabilities 2020: $280,329,094Net Assets 2020: $59,418,9552020Assets 2021: $387,604,872Liabilities 2021: $326,104,986Net Assets 2021: $61,499,8862021Assets 2022: $376,266,633Liabilities 2022: $324,027,456Net Assets 2022: $52,239,1772022Assets 2023: $381,228,183Liabilities 2023: $321,155,639Net Assets 2023: $60,072,5442023Assets 2024: $424,217,833Liabilities 2024: $352,892,585Net Assets 2024: $71,325,2482024

Highlighted filing

2019

Assets$292,564,037
Liabilities$238,041,547
Net Assets$54,522,490
Open 2019 Filing

Operations Trend

Revenue Growth42nd percentile

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

$30M$20M$10M$0Expenses 2010: $11,587,8062010Expenses 2011: $11,167,3962011Expenses 2012: $10,723,2002012Revenue 2013: $11,886,347Expenses 2013: $10,194,832Net Income 2013: $1,691,5152013Revenue 2014: $12,178,179Expenses 2014: $9,426,130Net Income 2014: $2,752,0492014Revenue 2015: $12,642,380Expenses 2015: $9,745,366Net Income 2015: $2,897,0142015Revenue 2016: $13,272,088Expenses 2016: $10,426,768Net Income 2016: $2,845,3202016Revenue 2017: $14,670,335Expenses 2017: $10,798,419Net Income 2017: $3,871,9162017Revenue 2018: $15,856,504Expenses 2018: $11,908,896Net Income 2018: $3,947,6082018Revenue 2019: $17,144,896Expenses 2019: $13,100,089Net Income 2019: $4,044,8072019Revenue 2020: $16,549,996Expenses 2020: $12,453,650Net Income 2020: $4,096,3462020Revenue 2021: $17,049,489Expenses 2021: $12,794,529Net Income 2021: $4,254,9602021Revenue 2022: $18,135,015Expenses 2022: $13,608,595Net Income 2022: $4,526,4202022Revenue 2023: $21,600,522Expenses 2023: $16,423,160Net Income 2023: $5,177,3622023Revenue 2024: $27,977,321Expenses 2024: $22,177,113Net Income 2024: $5,800,2082024

Highlighted filing

2019

Revenue$17,144,896
Expenses$13,100,089
Net Income$4,044,807
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 29, 2020
Return Version
2019v5.0
Gross Receipts
$17,200,369
Mission and Program Overview

Mission

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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$167,998,527$178,580,313▲ $10,581,786
Rtn Earn Endowment Incm Other Fnds$49,324,036$54,522,490▲ $5,198,454
Investments in Publicly Traded Securities$42,592,760$50,796,934▲ $8,204,174
Savings and Temporary Cash Investments$46,545,346$46,621,958▲ $76,612
Land, Buildings, and Equipment, Net$9,436,542$9,463,417▲ $26,875
Cash and Non-Interest-Bearing Accounts$1,453,128$2,357,433▲ $904,305
Prepaid Expenses and Deferred Charges$914,688$1,330,460▲ $415,772
Accounts Receivable$493,679$542,795▲ $49,116
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$272,252,188$292,564,037▲ $20,311,849
Other Assets Total$2,817,518$2,870,727▲ $53,209
Liabilities
Other Liabilities$220,825,141$235,601,594▲ $14,776,453
Accounts Payable and Accrued Expenses$2,103,011$2,439,953▲ $336,942
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$222,928,152$238,041,547▲ $15,113,395
Net Assets / Fund Balance
Total Net Assets Fund Balance$49,324,036$54,522,490▲ $5,198,454
Total Liabilities and Net Assets / Fund Balance$272,252,188$292,564,037▲ $20,311,849

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,677,904$2,983,696$8,661,600
Equipment$743,145$2,928,219$3,671,364
Land$2,954,810-$2,954,810
Other Land Buildings$80,564$402,332$482,896
Leasehold Improvements$6,994$159,112$166,106
Compensation and Service Providers
Top Officer Pay8th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Noreen WilkersonVP FinanceFT$178,321$63,455$241,776
Robert T WestmorelandVice-PresidentFT$126,230$57,246$183,476
Elizabeth CalderoneFormer CEO-$153,602$153,602$153,602
Amy HartVice-PresidentFT$111,198$36,365$147,563
Janel CabadasVice-PresidentFT$112,094$34,388$146,482
Matthew MeyerVice-PresidentFT$89,069$34,203$123,272
Kelly McDonoughCEO/PresidentFT$89,583$13,258$102,841

Board Members and Trustees

NameTitle
James BurkiewiczChair of the Board
Ronald WestphalVice-Chair of the Board
Darla MullnerDirector
Jill FerkoDirector
Leonard NelsonDirector
Maria ManzoDirector
Michael LamonicaDirector
Rich KishSecretary
Larry ReddishTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Truemper & TitinerLawyer1700 N Farnsworth Ave, Aurora, IL 60505$112,410
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,753,705
Investment Income
$2,391,191
Other Revenue
$0
Change in Net Assets
$4,044,807

Audited Revenue Reconciliation

Revenue per Audited Statements
$17,144,896
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$17,144,896
Total Revenue per Form 990
$17,144,896
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,939,401
Salaries, Compensation, and Employee Benefits$5,156,688
Grants and Similar Amounts Paid$4,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,326,464
Other Employee Benefits---$1,217,347
Other Expenses---$1,196,406
Current Officers, Directors, Trustees, and Key Employees---$1,045,301
Information Technology---$817,893
Occupancy---$635,633
Office Expenses---$462,204
Depreciation Depletion---$430,245
Payroll Taxes---$302,527
Advertising---$270,086
Pension Plan Contributions---$265,049
Conferences and Meetings---$125,974
Fees for Services Other---$120,631
Fees for Services Accounting---$114,219
All Other Expenses---$91,313
Fees for Services Legal---$67,339
Fees for Service Investment Mgmnt Fees---$60,921
Payments to Affiliates---$34,816
Travel---$4,251
Grants to Domestic Individuals---$4,000
Total Functional Expenses$0$0$0$13,100,089

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$13,100,089
Total Expenses per Audited Statements$13,100,089
Total Expenses per Form 990$13,100,089
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$5,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members' Shares and Other Deposits$235,601,594
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
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

“ECU has members, not stockholders.”

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

“ECU has members, who may elect one or more members of the governing body known as the Board Of Directors.”

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

“Yes, some decisions of the governing body are subject to approval by members.”

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

“ECU's 2020 VP of Finance reviews and files the 990 report for 2019.”

Form 990, Part VI, Section B, Line 12C

“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.”

Form 990, Part VI, Section B, Line 15

“ECU's Board of Directors Compensation Committee conducts salary surveys and discusses compensation for key positions.”

Form 990, Part VI, Section C, Line 19

“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 lobbies and holds an annual meeting, which is open to the public.”

Filing and Contact Details

Filer

Filer Name
Earthmover Credit Union
EIN
36-6062499
Phone
6308444950
Address
PO Box 2937, Aurora, IL 60507-2937

Signing Officer

Name
Noreen Wilkerson
Title
Interim CEO / VP Finance
Phone
6308444950
Signed
2020-06-29

Organization Details

Principal Officer
Kelly McDonough
Formed
1958
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
100
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 6

“The number of volunteers relate to ECU's Board of Directors' members.”

Financial Statement Notes

Schedule D, Part X, Line 2

“Members' Shares and other Deposits”

Raw XML AppendixShowing 400 of 698 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/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02103011
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02439953
IRS990/AccountsReceivableGrp/BOYAmt0493679
IRS990/AccountsReceivableGrp/EOYAmt0542795
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To 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/TotalAmt0270086
IRS990/AllOtherExpensesGrp/TotalAmt091313
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Noreen Wilkerson VP FInance
IRS990/BooksInCareOfDetail/PhoneNum06308444950
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 2937
IRS990/BooksInCareOfDetail/USAddress/CityNm0Aurora
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0605072937
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01453128
IRS990/CashNonInterestBearingGrp/EOYAmt02357433
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01045301
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0125974
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0112410
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt01700 N Farnsworth Ave
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Aurora
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd060505
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Truemper & Titiner
IRS990/ContractorCompensationGrp/ServicesDesc0Lawyer
IRS990/ContriRptFundraisingEventAmt00
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt04000
IRS990/CYInvestmentIncomeAmt02391191
IRS990/CYOtherExpensesAmt07939401
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt014753705
IRS990/CYRevenuesLessExpensesAmt04044807
IRS990/CYSalariesCompEmpBnftPaidAmt05156688
IRS990/CYTotalExpensesAmt013100089
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt017144896
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0430245
IRS990/Desc0Provided credit union services to 26,271 members, including 2,555 new member accounts.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0100
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0114219
IRS990/FeesForServicesLegalGrp/TotalAmt067339
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0120631
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt060921
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt945
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1045
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1145.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1345.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1445
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt150
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
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/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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/OtherCompensationAmt929834
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1027971
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt114300
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1213317
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1317778
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1414825
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/PersonNm0James Burkiewicz
IRS990/Form990PartVIISectionAGrp/PersonNm1Larry Reddish
IRS990/Form990PartVIISectionAGrp/PersonNm2Michael Lamonica
IRS990/Form990PartVIISectionAGrp/PersonNm3Jill Ferko
IRS990/Form990PartVIISectionAGrp/PersonNm4Darla Mullner
IRS990/Form990PartVIISectionAGrp/PersonNm5Leonard Nelson
IRS990/Form990PartVIISectionAGrp/PersonNm6Ronald Westphal
IRS990/Form990PartVIISectionAGrp/PersonNm7Rich Kish
IRS990/Form990PartVIISectionAGrp/PersonNm8Maria Manzo
IRS990/Form990PartVIISectionAGrp/PersonNm9Noreen Wilkerson
IRS990/Form990PartVIISectionAGrp/PersonNm10Robert T Westmoreland
IRS990/Form990PartVIISectionAGrp/PersonNm11Kelly McDonough
IRS990/Form990PartVIISectionAGrp/PersonNm12Janel Cabadas
IRS990/Form990PartVIISectionAGrp/PersonNm13Amy Hart
IRS990/Form990PartVIISectionAGrp/PersonNm14Matthew Meyer
IRS990/Form990PartVIISectionAGrp/PersonNm15Elizabeth Calderone
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/ReportableCompFromOrgAmt9207291
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10149585
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1196601
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12132563
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13127860
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14103914
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15153602
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/TitleTxt0Chair of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Vice-Chair of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt7Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt11CEO/President
IRS990/Form990PartVIISectionAGrp/TitleTxt12Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt13Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt14Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt15Former CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01958
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt086732
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt04000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0142205
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt017200369
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0817893
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02304459
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02304459
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt042592760
IRS990/InvestmentsPubTradedSecGrp/EOYAmt050796934
IRS990/IRPDocumentCnt017294
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06473359
IRS990/LandBldgEquipBasisNetGrp/BOYAmt09436542
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09463417
IRS990/LandBldgEquipCostOrOtherBssAmt015936776
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt055473
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0We 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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt049324036
IRS990/NetAssetsOrFundBalancesEOYAmt054522490
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt086732
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt086732
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01153647
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0635633
IRS990/OfficeExpensesGrp/TotalAmt0462204
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02817518
IRS990/OtherAssetsTotalGrp/EOYAmt02870727
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01217347
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Dividend Expense
IRS990/OtherExpensesGrp/Desc2VISA/LOAN SERVICING/COLLECTIONS
IRS990/OtherExpensesGrp/Desc3ATM/DEBIT/CHECKING
IRS990/OtherExpensesGrp/TotalAmt0604106
IRS990/OtherExpensesGrp/TotalAmt11355113
IRS990/OtherExpensesGrp/TotalAmt21548251
IRS990/OtherExpensesGrp/TotalAmt31196406
IRS990/OtherLiabilitiesGrp/BOYAmt0220825141
IRS990/OtherLiabilitiesGrp/EOYAmt0235601594
IRS990/OtherOrganizationDsc0Cooperative
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02326464
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0167998527
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0178580313
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt034816
IRS990/PayrollTaxesGrp/TotalAmt0302527
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0265049
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0914688
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01330460
IRS990/PrincipalOfficerNm0Kelly McDonough
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fee and Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc2Other
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08678470
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14770089
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21305146
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08678470
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14770089
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21305146
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Issued 5,248 new loans and loan advances, totaling $60,170,409.
IRS990/ProgSrvcAccomActy3Grp/Desc0Provided 15,492 checking services to members, including debit card services to 12,892 members.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0Other program services: Provided $13,614,387 in new home equity services to members; 1,508 home equity line of credit advances and 161 home equity closed end loans. Provided new mortgage services to 62 members, totaling $10,624,040. Provided VISA credit cards to 13,409 members; issued 944 new VISA credit cards. Financed 1,890 vehicles and 1,555 consumer loans, including 77 indirect loans. Provided 1,999,315 ATM transactions. Provided audio response to 4,537 members, homebanking/bill payment internet access to 14,174 members, e-statement access to 8,019 members, mobile banking access to 8,775 members. Provided 724 IRA accounts to members. Provided 526 Christmas Club accounts to members. Provided consumer and credit union education, directly to 20 and indirectly to about 2,774 students.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt04000
IRS990/PYInvestmentIncomeAmt01746499
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt06944438
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt014110005
IRS990/PYRevenuesLessExpensesAmt03947608
IRS990/PYSalariesCompEmpBnftPaidAmt04960458
IRS990/PYTotalExpensesAmt011908896
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt015856504
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt04044807
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$292,564,037
Liabilities
$238,041,547
Net assets
$54,522,490
Revenue
$17,144,896
Expenses
$13,100,089
Net income
$4,044,807
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$424$353$71.3$28.0$22.2$5.80
2023Detailed filing. Detailed filing data is available for this year.$381$321$60.1$21.6$16.4$5.18
2022Detailed filing. Detailed filing data is available for this year.$376$324$52.2$18.1$13.6$4.53
2021Detailed filing. Detailed filing data is available for this year.$388$326$61.5$17.0$12.8$4.25
2020Detailed filing. Detailed filing data is available for this year.$340$280$59.4$16.5$12.5$4.10
2019Detailed filing. Detailed filing data is available for this year.$293$238$54.5$17.1$13.1$4.04
2018Detailed filing. Detailed filing data is available for this year.$272$223$49.3$15.9$11.9$3.95
2017Detailed filing. Detailed filing data is available for this year.$260$214$45.7$14.7$10.8$3.87
2016Detailed filing. Detailed filing data is available for this year.$248$206$42.0$13.3$10.4$2.85
2015Detailed filing. Detailed filing data is available for this year.$239$199$39.4$12.6$9.75$2.90
2014Detailed filing. Detailed filing data is available for this year.$226$189$36.8$12.2$9.43$2.75
2013Detailed filing. Detailed filing data is available for this year.$220$187$33.6$11.9$10.2$1.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$223$190$33.3$10.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$212$180$31.7$11.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$203$174$29.6$11.6
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)14 • $250M-$1B nonprofits