Civic Intelligence

Pontiac-Dwight Prison Employees Cr Un

EIN 36-6062613 • 501(c)14 • Pontiac, IL

Profile

Our board has not adopted a mission statement

300 N Ladd StreetPontiac, IL 61764

none

Siviq Scores

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

Liabilities / Assets

74th percentile

0.89x

Higher debt load relative to assets than 74% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

84th percentile

21.86x

Higher debt load relative to revenue than 84% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Net Margin

56th percentile

4.9%

Higher net margin than 56% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

38th percentile

$49,800

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 15.6% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Asset Growth

84th percentile

5.1%

Faster asset growth than 84% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

66th percentile

11%

Faster revenue growth than 66% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Assets

Up

$7,811,727

Up $382,521 (+5.1%) from 2024

Liabilities

Up

$6,958,872

Up $367,002 (+5.6%) from 2024

Net Assets

Up

$852,855

Up $15,519 (+1.9%) from 2024

Revenue

Up

$318,307

Up $30,818 (+11%) from 2024

Expenses

Up

$302,788

Up $29,571 (+11%) from 2024

Net Income

Up

$15,519

Up $1,247 (+8.7%) from 2024

Trend Graphs

Balance Sheet Trend

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

$10M$5.0M$0Assets 2020: $7,167,024Liabilities 2020: $6,375,475Net Assets 2020: $791,5492020Assets 2021: $8,118,403Liabilities 2021: $7,307,751Net Assets 2021: $810,6522021Assets 2022: $8,167,712Liabilities 2022: $7,356,075Net Assets 2022: $811,6372022Assets 2023: $7,531,723Liabilities 2023: $6,708,659Net Assets 2023: $823,0642023Assets 2024: $7,429,206Liabilities 2024: $6,591,870Net Assets 2024: $837,3362024Assets 2025: $7,811,727Liabilities 2025: $6,958,872Net Assets 2025: $852,8552025

Highlighted filing

2025

Assets$7,811,727
Liabilities$6,958,872
Net Assets$852,855

Operations Trend

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

$400K$300K$200K$100K$0Revenue 2020: $161,123Expenses 2020: $140,110Net Income 2020: $21,0132020Revenue 2021: $171,396Expenses 2021: $152,294Net Income 2021: $19,1022021Revenue 2022: $116,389Expenses 2022: $115,403Net Income 2022: $9862022Revenue 2023: $176,703Expenses 2023: $165,276Net Income 2023: $11,4272023Revenue 2024: $287,489Expenses 2024: $273,217Net Income 2024: $14,2722024Revenue 2025: $318,307Expenses 2025: $302,788Net Income 2025: $15,5192025

Highlighted filing

2025

Revenue$318,307
Expenses$302,788
Net Income$15,519

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 11, 2026
Return Version
2025v4.0
Gross Receipts
$318,307
Mission and Program Overview

Mission

Our board has not adopted a mission statement

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,434,204$3,212,241▼ $1,221,963
Other Notes and Loans Receivable, Net$2,733,131$3,092,602▲ $359,471
Investments Other Securities$0$1,077,734▲ $1,077,734
Rtn Earn Endowment Incm Other Fnds$837,336$852,855▲ $15,519
Cash and Non-Interest-Bearing Accounts$193,195$354,150▲ $160,955
Prepaid Expenses and Deferred Charges$2,114$9,650▲ $7,536
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,429,206$7,811,727▲ $382,521
Other Assets Total$66,562$65,350▼ $1,212
Liabilities
Other Liabilities$6,591,870$6,958,872▲ $367,002
Accounts Payable and Accrued Expenses$0--
Total Liabilities$6,591,870$6,958,872▲ $367,002
Net Assets / Fund Balance
Total Net Assets Fund Balance$837,336$852,855▲ $15,519
Total Liabilities and Net Assets / Fund Balance$7,429,206$7,811,727▲ $382,521

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$1,077,734--
Financial Derivatives$0--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Lynda JohnsonPresident/Treas/Exec Comm/Credit CommitteePT$49,800$49,800
Joan BullMembership Committee ChairPT$6,979$6,979

Board Members and Trustees

NameTitle
Ed ViltBoardChairman/Secuirty Officer/Exec Committee
Brian MillsCredit Committee Chair
Dawn BoitnottSupervisory Committee Chairman
Celine DowlingVice Chairman of the Board
Shawn FarrarExec Committee/Credit Committee
Beth RaySecretary
Mary Beth DuffySupervisory Committee
Lisa LambertSupervisory Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$131,246
Investment Income
$187,061
Other Revenue
$0
Change in Net Assets
$15,519
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$209,758
Salaries, Compensation, and Employee Benefits$93,030
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$49,800
Other Salaries and Wages---$36,143
Office Expenses---$15,585
Occupancy---$9,619
Fees for Services Accounting---$8,500
Payroll Taxes---$7,087
Information Technology---$5,661
Other Expenses---$4,353
Insurance---$3,990
All Other Expenses---$688
Conferences and Meetings---$619
Total Functional Expenses$0$0$0$302,788
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$6,958,872
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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

The organization is a credit union owned and controlled by the members it serves.

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

Members of the credit union elect the volunteer board of directors from the memebership.

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

Credit Union members own and control the credit union. The Board of Directors is elected to manage the operation.

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

Form 990 is reviewed by Board of Directors

Form 990, Part VI, Section C, Line 19

Financial statements and other relevant documents are posted in the lobby and/or will be shared upon request.

Filing and Contact Details

Filer

Filer Name
Pontiac-dwight Prison Employees Cr Un
EIN
36-6062613
Phone
8158447491
Address
300 N Ladd Street, Pontiac, IL 61764

Signing Officer

Name
Lynda Johnson
Title
Director
Phone
8158447491
Signed
2026-02-11

Organization Details

Principal Officer
Lynda Johnson
Formed
1962
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
8
Employees
5
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 1

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.

Raw XML Appendix393 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/SavingsAndTempCashInvstGrp/EOYAmt03212241
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06958872
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01077734
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Cd's Greater than 1 year maturity
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueSecuritiesAmt01077734
IRS990ScheduleD/TotalLiabilityAmt06958872
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0To 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The organization is a credit union owned and controlled by the members it serves.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members of the credit union elect the volunteer board of directors from the memebership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Credit Union members own and control the credit union. The Board of Directors is elected to manage the operation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Form 990 is reviewed by Board of Directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Financial statements and other relevant documents are posted in the lobby and/or will be shared upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part I, Line 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt07429206
IRS990/TotalAssetsEOYAmt07811727
IRS990/TotalAssetsGrp/BOYAmt07429206
IRS990/TotalAssetsGrp/EOYAmt07811727
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0302788
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06591870
IRS990/TotalLiabilitiesEOYAmt06958872
IRS990/TotalLiabilitiesGrp/BOYAmt06591870
IRS990/TotalLiabilitiesGrp/EOYAmt06958872
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0837336
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0852855
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0131246
IRS990/TotalReportableCompFromOrgAmt056779
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0318307
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0318307
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07429206
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07811727
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0971 N Hazel Street
IRS990/USAddress/CityNm0Pontiac
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061764
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt08
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Lynda Johnson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Director
ReturnHeader/BusinessOfficerGrp/PhoneNum08158447491
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PONTIAC-DWIGHT PRISON EMPLOYEES CR UN
ReturnHeader/Filer/BusinessNameControlTxt0PONT
ReturnHeader/Filer/EIN0366062613
ReturnHeader/Filer/PhoneNum08158447491
ReturnHeader/Filer/USAddress/AddressLine1Txt0300 N Ladd Street
ReturnHeader/Filer/USAddress/CityNm0Pontiac
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061764
ReturnHeader/ReturnTs02026-02-18T16:24:33-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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