Civic Intelligence

Access Credit Union

990 • Fiscal year 2015 • EIN 36-6068676

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 16, 2016

Organization Profilewww.access-cu.com

View Organization Page

1807 W Cermak RdBroadview, IL 60115

(708) 343-0228

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.87x

Higher debt load relative to assets than 32% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

56th percentile

20.06x

Higher debt load relative to revenue than 56% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

14th percentile

0.5%

Higher net margin than 14% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

28th percentile

$114,770

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 5.2% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

42nd percentile

3.1%

Faster asset growth than 42% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

7th percentile

-8.0%

Faster revenue growth than 7% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$50,981,180

Up $1,537,300 (+3.1%) from 2014

Net Assets

Up

$6,557,218

Up $11,794 (+0.2%) from 2014

Liabilities

Up

$44,423,962

Up $1,525,506 (+3.6%) from 2014

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin14th percentile

Revenue

Down

$2,214,763

Down $193,381 (-8.0%) from 2014

Expenses

Up

$2,202,969

Up $6,483 (+0.3%) from 2014

Net Income

Down

$11,794

Down $199,864 (-94%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

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

$80M$60M$40M$20M$0Assets 2010: $57,868,747Liabilities 2010: $51,352,544Net Assets 2010: $6,516,2032010Assets 2011: $62,012,365Liabilities 2011: $55,314,593Net Assets 2011: $6,697,7722011Assets 2012: $60,007,723Liabilities 2012: $53,325,089Net Assets 2012: $6,682,6342012Assets 2013: $53,539,459Liabilities 2013: $47,205,693Net Assets 2013: $6,333,7662013Assets 2014: $49,443,880Liabilities 2014: $42,898,456Net Assets 2014: $6,545,4242014Assets 2015: $50,981,180Liabilities 2015: $44,423,962Net Assets 2015: $6,557,2182015Assets 2016: $50,176,204Liabilities 2016: $44,070,810Net Assets 2016: $6,105,3942016Assets 2017: $48,917,729Liabilities 2017: $42,765,429Net Assets 2017: $6,152,3002017Assets 2018: $49,377,909Liabilities 2018: $43,066,090Net Assets 2018: $6,311,8192018Assets 2019: $49,702,111Liabilities 2019: $43,126,000Net Assets 2019: $6,576,1112019Assets 2020: $59,271,067Liabilities 2020: $52,415,160Net Assets 2020: $6,855,9072020Assets 2021: $61,378,110Liabilities 2021: $54,126,389Net Assets 2021: $7,251,7212021Assets 2022: $61,905,866Liabilities 2022: $54,360,507Net Assets 2022: $7,545,3592022Assets 2023: $58,974,544Liabilities 2023: $51,301,122Net Assets 2023: $7,673,4222023Assets 2024: $57,397,920Liabilities 2024: $49,536,619Net Assets 2024: $7,861,3012024

Highlighted filing

2015

Assets$50,981,180
Liabilities$44,423,962
Net Assets$6,557,218
Open 2015 Filing

Operations Trend

Revenue Growth7th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,311,3652010Expenses 2011: $3,309,3282011Expenses 2012: $2,819,2662012Revenue 2013: $2,422,457Expenses 2013: $2,771,325Net Income 2013: -$348,8682013Revenue 2014: $2,408,144Expenses 2014: $2,196,486Net Income 2014: $211,6582014Revenue 2015: $2,214,763Expenses 2015: $2,202,969Net Income 2015: $11,7942015Revenue 2016: $2,191,769Expenses 2016: $2,643,593Net Income 2016: -$451,8242016Revenue 2017: $2,195,107Expenses 2017: $2,148,201Net Income 2017: $46,9062017Revenue 2018: $2,326,453Expenses 2018: $2,166,934Net Income 2018: $159,5192018Revenue 2019: $2,468,921Expenses 2019: $2,204,629Net Income 2019: $264,2922019Revenue 2020: $2,368,229Expenses 2020: $2,088,433Net Income 2020: $279,7962020Revenue 2021: $2,523,952Expenses 2021: $2,128,138Net Income 2021: $395,8142021Revenue 2022: $2,586,874Expenses 2022: $2,293,236Net Income 2022: $293,6382022Revenue 2023: $2,585,480Expenses 2023: $2,406,754Net Income 2023: $178,7262023Revenue 2024: $2,754,999Expenses 2024: $2,567,120Net Income 2024: $187,8792024

Highlighted filing

2015

Revenue$2,214,763
Expenses$2,202,969
Net Income$11,794
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 16, 2016
Return Version
2015v2.1
Gross Receipts
$2,825,587
Mission and Program Overview

Mission

Illinois state chartered credit union operated for the mutual benefit of its members. The credit union makes loans to members and pays dividends to members with share deposits at a competitive rate of interest.

Illinois state chartered credit union operated for the mutual benefit of its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,948,158$23,245,485▲ $297,327
Investments in Publicly Traded Securities$19,965,178$21,295,208▲ $1,330,030
Rtn Earn Endowment Incm Other Fnds$6,545,424$6,557,218▲ $11,794
Land, Buildings, and Equipment, Net$2,823,839$2,793,284▼ $30,555
Savings and Temporary Cash Investments$2,196,210$2,274,464▲ $78,254
Cash and Non-Interest-Bearing Accounts$476,747$496,479▲ $19,732
Prepaid Expenses and Deferred Charges$188,189$136,995▼ $51,194
Investments Other Securities$67,059$67,059→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$49,443,880$50,981,180▲ $1,537,300
Other Assets Total$778,500$672,206▼ $106,294
Liabilities
Other Liabilities$42,604,967$44,262,480▲ $1,657,513
Mortgage Notes Payable Secured by Investment Property$166,098--
Accounts Payable and Accrued Expenses$127,391$161,482▲ $34,091
Total Liabilities$42,898,456$44,423,962▲ $1,525,506
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,545,424$6,557,218▲ $11,794
Total Liabilities and Net Assets / Fund Balance$49,443,880$50,981,180▲ $1,537,300

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,646,894$317,107$1,964,001
Equipment$171,390$851,791$1,023,181
Land$975,000-$975,000
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brad FishPresident/DirectorFT$104,684$10,086$114,770
Kevin MorrisseyChief Financial OfficerFT$85,291$5,452$90,743
Rachel QuirozVP LendingFT$65,916$9,885$75,801
Carol HornVP OperationsFT$60,426$2,378$62,804

Board Members and Trustees

NameTitle
Alexis WallaceDirector
Charles MackinnonDirector
Dennis WeinerDirector
James ParkerDirector
Robert SadlerDirector
Ron MikicichDirector
Steven BergeonDirector
William DaughertyDirector
Yogi PatelDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiservbanking interface/maintenance255 Fiserv Drive, Brookfield, WI 53308$177,909
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,947,828
Investment Income
$266,935
Other Revenue
$0
Change in Net Assets
$11,794

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,214,763
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,214,763
Total Revenue per Form 990
$2,214,763
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,274,509
Salaries, Compensation, and Employee Benefits$928,460
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$434,827
Office Expenses---$349,274
Current Officers, Directors, Trustees, and Key Employees---$344,878
Occupancy---$166,378
Information Technology---$128,207
Depreciation Depletion---$92,379
Other Employee Benefits---$86,413
Fees for Services Other---$84,085
Interest---$83,092
Payroll Taxes---$62,342
Advertising---$32,521
Insurance---$28,482
Other Expenses---$22,916
Fees for Services Accounting---$17,850
Travel---$7,846
Conferences and Meetings---$1,294
Total Functional Expenses$0$0$0$2,202,969

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,202,969
Total Expenses per Audited Statements$2,202,969
Total Expenses per Form 990$2,202,969
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
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$44,262,480
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“Membership consists of individuals with funds on deposit with the Credit Union.”

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

“Members participate in the annual election of the Board of Directors.”

Form 990, Part VI, Section B, line 11

“The Form 990 was reviewd by the President of the Credit Union prior to filing.”

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

“Compensation of the CEO and top management is determined by the Baord of Directors using comparibility data.”

Form 990, Part VI, Section C, line 19

“Governing documents available upon request.”

Filing and Contact Details

Filer

Filer Name
Access Credit Union
EIN
36-6068676
Phone
7083430228
Address
1807 W Cermak Rd, Broadview, IL 60115

Signing Officer

Name
Brad Fish
Title
President
Phone
7083430228
Signed
2016-03-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brad Fish
Formed
1998
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
20
Volunteers
9

Preparer

Firm
Desmond & Ahern Ltd
Address
10827 S Western Avenue, Chicago, IL 60643
Preparer
Hugh J Ahern CPA
Phone
7737794720
Supplemental Narrative

Financial Statement Notes

Part X, Line 2:

“FIN 48 Note from Audited Financial Statements Access Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described above. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2015 that management believes is subject to taxation. The Credit Union's 2012 through 2015 annual information returns filed with the Internal RevenueService are open to examination.”

Raw XML Appendix398 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/MortgNotesPyblScrdInvstPropGrp/BOYAmt0166098
IRS990/NetAssetsOrFundBalancesBOYAmt06545424
IRS990/NetAssetsOrFundBalancesEOYAmt06557218
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-108
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-108
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0166378
IRS990/OfficeExpensesGrp/TotalAmt0349274
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0778500
IRS990/OtherAssetsTotalGrp/EOYAmt0672206
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt086413
IRS990/OtherExpensesGrp/Desc0Loan servicing
IRS990/OtherExpensesGrp/Desc1Provision for loan loss
IRS990/OtherExpensesGrp/Desc2Miscellaneous operating
IRS990/OtherExpensesGrp/TotalAmt0135185
IRS990/OtherExpensesGrp/TotalAmt1125000
IRS990/OtherExpensesGrp/TotalAmt222916
IRS990/OtherLiabilitiesGrp/BOYAmt042604967
IRS990/OtherLiabilitiesGrp/EOYAmt044262480
IRS990/OtherOrganizationDsc0Cooperative
IRS990/OtherSalariesAndWagesGrp/TotalAmt0434827
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt022948158
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt023245485
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt062342
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0188189
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0136995
IRS990/PrincipalOfficerNm0Brad Fish
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fees & other charges
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01378151
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1569677
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01378151
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1569677
IRS990/ProgSrvcAccomActy2Grp/Desc0Credit Union pays out dividends to its members on share deposit accounts at a market rate of interest. Total number of share accounts at 12/31/15 is 10,223 in the amount of $44,262,480.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0404421
IRS990/PYOtherExpensesAmt01315568
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02003723
IRS990/PYRevenuesLessExpensesAmt0211658
IRS990/PYSalariesCompEmpBnftPaidAmt0880918
IRS990/PYTotalExpensesAmt02196486
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02408144
IRS990/ReconcilationRevenueExpnssAmt011794
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06545424
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06557218
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02196210
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02274464
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01646894
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0317107
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01964001
IRS990ScheduleD/EquipmentGrp/BookValueAmt0171390
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0851791
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01023181
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02202969
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0975000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0975000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt044262480
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02214763
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FIN 48 Note from Audited Financial Statements Access Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described above. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2015 that management believes is subject to taxation. The Credit Union's 2012 through 2015 annual information returns filed with the Internal RevenueService are open to examination.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02793284
IRS990ScheduleD/TotalExpensesPerForm990Amt02202969
IRS990ScheduleD/TotalLiabilityAmt044262480
IRS990ScheduleD/TotalRevenuePerForm990Amt02214763
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02214763
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02202969
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Membership consists of individuals with funds on deposit with the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members participate in the annual election of the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Form 990 was reviewd by the President of the Credit Union prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation of the CEO and top management is determined by the Baord of Directors using comparibility data.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Governing documents available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt049443880
IRS990/TotalAssetsEOYAmt050981180
IRS990/TotalAssetsGrp/BOYAmt049443880
IRS990/TotalAssetsGrp/EOYAmt050981180
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt020
IRS990/TotalFunctionalExpensesGrp/TotalAmt02202969
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt042898456
IRS990/TotalLiabilitiesEOYAmt044423962
IRS990/TotalLiabilitiesGrp/BOYAmt042898456
IRS990/TotalLiabilitiesGrp/EOYAmt044423962
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06545424
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06557218
IRS990/TotalOtherCompensationAmt027801
IRS990/TotalProgramServiceRevenueAmt01947828
IRS990/TotalReportableCompFromOrgAmt0316317
IRS990/TotalRevenueGrp/ExclusionAmt0266935
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01947828
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02214763
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt049443880
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt050981180
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt07846
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01807 W Cermak Rd
IRS990/USAddress/CityNm0Broadview
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060115
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.access-cu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Brad Fish
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07083430228
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Access Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0ACCE
ReturnHeader/Filer/EIN0366068676
ReturnHeader/Filer/PhoneNum07083430228
ReturnHeader/Filer/USAddress/AddressLine1Txt01807 W Cermak Rd
ReturnHeader/Filer/USAddress/CityNm0Broadview
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060115
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0363321958
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Desmond & Ahern Ltd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010827 S Western Avenue
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Chicago
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060643
ReturnHeader/PreparerPersonGrp/PhoneNum07737794720
ReturnHeader/PreparerPersonGrp/PreparationDt02016-03-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Hugh J Ahern CPA
ReturnHeader/ReturnTs02016-03-15T00:00:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$50,981,180
Liabilities
$44,423,962
Net assets
$6,557,218
Revenue
$2,214,763
Expenses
$2,202,969
Net income
$11,794
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$57.4$49.5$7.86$2.75$2.57$0.19
2023Detailed filing. Detailed filing data is available for this year.$59.0$51.3$7.67$2.59$2.41$0.18
2022Detailed filing. Detailed filing data is available for this year.$61.9$54.4$7.55$2.59$2.29$0.29
2021Detailed filing. Detailed filing data is available for this year.$61.4$54.1$7.25$2.52$2.13$0.40
2020Detailed filing. Detailed filing data is available for this year.$59.3$52.4$6.86$2.37$2.09$0.28
2019Detailed filing. Detailed filing data is available for this year.$49.7$43.1$6.58$2.47$2.20$0.26
2018Detailed filing. Detailed filing data is available for this year.$49.4$43.1$6.31$2.33$2.17$0.16
2017Detailed filing. Detailed filing data is available for this year.$48.9$42.8$6.15$2.20$2.15$0.05
2016Detailed filing. Detailed filing data is available for this year.$50.2$44.1$6.11$2.19$2.64$0.45
2015Detailed filing. Detailed filing data is available for this year.$51.0$44.4$6.56$2.21$2.20$0.01
2014Detailed filing. Detailed filing data is available for this year.$49.4$42.9$6.55$2.41$2.20$0.21
2013Detailed filing. Detailed filing data is available for this year.$53.5$47.2$6.33$2.42$2.77$0.35
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.0$53.3$6.68$2.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.0$55.3$6.70$3.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.9$51.4$6.52$3.31