Liabilities / Assets
50th percentile
Higher debt load relative to assets than 50% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
50th percentile
Higher debt load relative to assets than 50% of similar nonprofits.
Liabilities / Revenue
53rd percentile
Higher debt load relative to revenue than 53% of similar nonprofits.
Net Margin
29th percentile
Higher net margin than 29% of similar nonprofits.
Top Officer Pay
83rd percentile
Higher top officer pay than 83% of similar nonprofits.
Top officer pay equals 6.0% of source-year revenue.
Asset Growth
53rd percentile
Faster asset growth than 53% of similar nonprofits.
Revenue Growth
27th percentile
Faster revenue growth than 27% of similar nonprofits.
Assets
Up$49,377,909
Up $460,180 (+0.9%) from 2017
Net Assets
Up$6,311,819
Up $159,519 (+2.6%) from 2017
Liabilities
Up$43,066,090
Up $300,661 (+0.7%) from 2017
Revenue
Up$2,326,453
Up $131,346 (+6.0%) from 2017
Expenses
Up$2,166,934
Up $18,733 (+0.9%) from 2017
Net Income
Up$159,519
Up $112,613 (+240%) from 2017
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
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $24,173,646 | $25,085,162 | ▲ $911,516 |
| Investments in Publicly Traded Securities | $19,197,737 | $19,240,026 | ▲ $42,289 |
| Rtn Earn Endowment Incm Other Fnds | $6,152,300 | $6,311,819 | ▲ $159,519 |
| Land, Buildings, and Equipment, Net | $2,636,792 | $2,602,420 | ▼ $34,372 |
| Savings and Temporary Cash Investments | $1,583,592 | $1,250,015 | ▼ $333,577 |
| Cash and Non-Interest-Bearing Accounts | $430,229 | $383,429 | ▼ $46,800 |
| Prepaid Expenses and Deferred Charges | $148,546 | $76,442 | ▼ $72,104 |
| 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 | $48,917,729 | $49,377,909 | ▲ $460,180 |
| Other Assets Total | $680,128 | $673,356 | ▼ $6,772 |
| Liabilities | |||
| Other Liabilities | $42,592,543 | $42,843,483 | ▲ $250,940 |
| Accounts Payable and Accrued Expenses | $172,886 | $222,194 | ▲ $49,308 |
| Unsecured Notes Loans Payable | - | $413 | - |
| Total Liabilities | $42,765,429 | $43,066,090 | ▲ $300,661 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $6,152,300 | $6,311,819 | ▲ $159,519 |
| Total Liabilities and Net Assets / Fund Balance | $48,917,729 | $49,377,909 | ▲ $460,180 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,497,743 | $467,265 | $1,965,008 |
| Land | $975,000 | - | $975,000 |
| Equipment | $116,752 | $265,942 | $382,694 |
| Other Land Buildings | $12,925 | - | $12,925 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Brad Fish | President | FT | $128,318 | $10,621 | $138,939 |
| Lisa Dinges | Chief Financial Officer | FT | $89,818 | $7,747 | $97,565 |
| Name | Title |
|---|---|
| Robert Sadler | Chairman |
| Charles Mackinnon | Vice Chairman |
| Alexis Wallace | Director |
| James Parker | Director |
| Joe Fiocchi | Director |
| Steven Bergeon | Director |
| Ron Mikicich | Secretary |
| Yogi Patel | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv | bnk interface/maintenance | 255 Fiserv Drive, Brookfield, WI 53308 | $279,382 |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,161,672 |
| Salaries, Compensation, and Employee Benefits | $1,005,262 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $579,442 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $237,073 |
| Information Technology | - | - | - | $173,101 |
| Occupancy | - | - | - | $136,537 |
| Office Expenses | - | - | - | $135,128 |
| Depreciation Depletion | - | - | - | $105,441 |
| Fees for Services Other | - | - | - | $91,059 |
| Other Employee Benefits | - | - | - | $84,591 |
| Payroll Taxes | - | - | - | $63,236 |
| Interest | - | - | - | $63,127 |
| Pension Plan Contributions | - | - | - | $40,920 |
| Advertising | - | - | - | $32,994 |
| Insurance | - | - | - | $24,531 |
| Fees for Services Accounting | - | - | - | $15,200 |
| Conferences and Meetings | - | - | - | $9,742 |
| Other Expenses | - | - | - | $9,000 |
| Travel | - | - | - | $8,407 |
| Fees for Services Legal | - | - | - | $5,403 |
| Total Functional Expenses | $0 | $0 | $0 | $2,166,934 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $2,166,934 |
| Total Expenses per Audited Statements | $2,166,934 |
| Total Expenses per Form 990 | $2,166,934 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares | $42,843,483 |
“Membership consists of individuals with funds on deposit with the Credit Union.”
“Members participate in the annual election of the Board of Directors.”
“The Form 990 was reviewd by the President and the CFO of the Credit Union prior to filing.”
“Compensation of the CEO and top management is determined by the Board of Directors using comparibility data.”
“Governing documents available upon request.”
“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 2018 or 2017 that management believes is subject to taxation. The Credit Union's annual information returns filed with the Internal Revenue Service are open to examination, generally for three years after filing.”
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 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 172886 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 222194 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Illinois state chartered credit union operated for the mutual benefit of its members |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 32994 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Lisa Dinges |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7083430228 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1807 W Cermak Rd |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Broadview |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 60155 |
| 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 | 430229 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 383429 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 237073 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 9742 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 0 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 279382 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 255 Fiserv Drive |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | Brookfield |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 53308 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | Fiserv |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | bnk interface/maintenance |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 415616 |
| IRS990/CYOtherExpensesAmt | 0 | 1161672 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1910837 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 159519 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1005262 |
| IRS990/CYTotalExpensesAmt | 0 | 2166934 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2326453 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 105441 |
| IRS990/Desc | 0 | Credit Union makes and services consumer and real estate loans to members. The number of loans outstanding at 12/31/18 was 2,434 for a total of $25,085,162. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 17 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 15200 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 5403 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 91059 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 45.00 |
| 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | 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 | 10621 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 7747 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Robert Sadler |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Charles Mackinnon |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Yogi Patel |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Ron Mikicich |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Alexis Wallace |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Steven Bergeon |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Joe Fiocchi |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | James Parker |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Brad Fish |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Lisa Dinges |
| 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 | 128318 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 89818 |
| 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/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 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Chief Financial Officer |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1998 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 8 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 346028 |
| IRS990/GrossReceiptsAmt | 0 | 2672481 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 173101 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 24531 |
| IRS990/InterestGrp/TotalAmt | 0 | 63127 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 415616 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 415616 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 67059 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 67059 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 19197737 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 19240026 |
| IRS990/IRPDocumentCnt | 0 | 527 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 733207 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2636792 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2602420 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3335627 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 346028 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | 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 competetive rate of interest. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 6152300 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 6311819 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -112 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 136537 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 135128 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 680128 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 673356 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 84591 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM/Debit fees |
| IRS990/OtherExpensesGrp/Desc | 1 | Loan servicing |
| IRS990/OtherExpensesGrp/Desc | 2 | Other operating |
| IRS990/OtherExpensesGrp/Desc | 3 | Provsion for loan losse |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 178628 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 141423 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 31951 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 9000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 42592543 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 42843483 |
| IRS990/OtherOrganizationDsc | 0 | Cooperative |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 579442 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 24173646 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 25085162 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 63236 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 40920 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 148546 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 76442 |
| IRS990/PrincipalOfficerNm | 0 | Lisa Dinges |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 525990 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Loan Interest |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees & other charges |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1377750 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 531729 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1377750 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 533087 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 1358 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Credit Union pays out dividends to its members on share deposit accounts at a market rate of interest. Total number of share accounts at 12/31/18 is 9,294 in the amount of $42,843,483. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 332415 |
| IRS990/PYOtherExpensesAmt | 0 | 1216257 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1862692 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 46906 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 931944 |
| IRS990/PYTotalExpensesAmt | 0 | 2148201 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2195107 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 159519 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 6152300 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 6311819 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1583592 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1250015 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1497743 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 467265 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1965008 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 116752 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 265942 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 382694 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2166934 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 975000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 975000 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 12925 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 12925 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 42843483 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 2326453 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | 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 2018 or 2017 that management believes is subject to taxation. The Credit Union's annual information returns filed with the Internal Revenue Service are open to examination, generally for three years after filing. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part X, Line 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2602420 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 2166934 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 42843483 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 2326453 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 2326453 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 2166934 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Membership consists of individuals with funds on deposit with the Credit Union. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members participate in the annual election of the Board of Directors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The Form 990 was reviewd by the President and the CFO of the Credit Union prior to filing. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Compensation of the CEO and top management is determined by the Board of Directors using comparibility data. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Governing documents available upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section B, line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section C, line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 48917729 |
| IRS990/TotalAssetsEOYAmt | 0 | 49377909 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 48917729 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 49377909 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 17 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2166934 |
| IRS990/TotalGrossUBIAmt | 0 | 1358 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 42765429 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 43066090 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 42765429 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 43066090 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 6152300 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 6311819 |
| IRS990/TotalOtherCompensationAmt | 0 | 18368 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1910837 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 218136 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 415616 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1909479 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2326453 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 1358 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 48917729 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 49377909 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 8407 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt | 0 | 413 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 1807 W Cermak Rd |
| IRS990/USAddress/CityNm | 0 | Broadview |
| IRS990/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/USAddress/ZIPCd | 0 | 60115 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 8 |
| IRS990/VotingMembersIndependentCnt | 0 | 8 |
| IRS990/WebsiteAddressTxt | 0 | www.access-cu.com |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2019-02-21 02:37:17Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Lisa Dinges |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | President |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7083430228 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2019-03-22 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Access Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | ACCE |
| ReturnHeader/Filer/EIN | 0 | 366068676 |
| ReturnHeader/Filer/PhoneNum | 0 | 7083430228 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1807 W Cermak Rd |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Broadview |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 60115 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 738B9105E46B695E191D81BBB6C655DEEDF341ED |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 738B9105E46B695E191D81BBB6C655DEEDF341ED |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 96.84.64.45 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2019-03-22 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CD |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 08:06:23 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 363321958 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | Desmond & Ahern Ltd |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 10827 S Western Avenue |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Chicago |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 60643 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7737794720 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2019-03-22 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | David J Rambo |
| ReturnHeader/ReturnTs | 0 | 2019-03-22T09:59:45-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2018-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2018-12-31 |
| ReturnHeader/TaxYr | 0 | 2018 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.