Civic Intelligence

Access Credit Union

990 • Fiscal year 2021 • EIN 36-6068676

Jan 01, 2021 to Dec 31, 2021 • Filed on Feb 18, 2022

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

36th percentile

0.88x

Higher debt load relative to assets than 36% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Liabilities / Revenue

44th percentile

21.45x

Higher debt load relative to revenue than 44% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Net Margin

61st percentile

16%

Higher net margin than 61% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Top Officer Pay

48th percentile

$139,490

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 5.5% of source-year revenue.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Asset Growth

14th percentile

3.6%

Faster asset growth than 14% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Revenue Growth

76th percentile

6.6%

Faster revenue growth than 76% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$61,378,110

Up $2,107,043 (+3.6%) from 2020

Net Assets

Up

$7,251,721

Up $395,814 (+5.8%) from 2020

Liabilities

Up

$54,126,389

Up $1,711,229 (+3.3%) from 2020

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin61st percentile

Revenue

Up

$2,523,952

Up $155,723 (+6.6%) from 2020

Expenses

Up

$2,128,138

Up $39,705 (+1.9%) from 2020

Net Income

Up

$395,814

Up $116,018 (+41%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth14th 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

2021

Assets$61,378,110
Liabilities$54,126,389
Net Assets$7,251,721
Open 2021 Filing

Operations Trend

Revenue Growth76th 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

2021

Revenue$2,523,952
Expenses$2,128,138
Net Income$395,814
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Feb 18, 2022
Return Version
2021v4.1
Gross Receipts
$2,523,952
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$25,794,163$28,157,797▲ $2,363,634
Investments in Publicly Traded Securities$24,700,150$28,039,034▲ $3,338,884
Rtn Earn Endowment Incm Other Fnds$6,855,907$7,251,721▲ $395,814
Land, Buildings, and Equipment, Net$2,436,065$2,385,633▼ $50,432
Savings and Temporary Cash Investments$5,025,155$1,280,468▼ $3,744,687
Cash and Non-Interest-Bearing Accounts$416,878$485,566▲ $68,688
Prepaid Expenses and Deferred Charges$145,285$171,353▲ $26,068
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$59,271,067$61,378,110▲ $2,107,043
Other Assets Total$686,312$791,200▲ $104,888
Liabilities
Other Liabilities$52,224,916$53,961,391▲ $1,736,475
Accounts Payable and Accrued Expenses$190,244$164,998▼ $25,246
Total Liabilities$52,415,160$54,126,389▲ $1,711,229
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,855,907$7,251,721▲ $395,814
Total Liabilities and Net Assets / Fund Balance$59,271,067$61,378,110▲ $2,107,043

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,350,521$614,487$1,965,008
Land$975,000-$975,000
Equipment$60,112$369,890$430,002
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa DingesPresident/CEOFT$120,385$19,105$139,490
Thomas PierceCOOFT$105,484$15,120$120,604

Board Members and Trustees

NameTitle
Stephen BergeonChairman
Craig LundtVice Chairman
Alexis WallaceDirector
James ParkerDirector
Kurtis ToddDirector
Pamela HarrisonDirector
Ron MikicichDirector
Donna SebestyenSecretary
Yogi PatelTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservBank interface/maintenance255 Fiserv Drive, Brookfield, WI 53308$337,358
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,115,840
Investment Income
$408,112
Other Revenue
$0
Change in Net Assets
$395,814

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,523,952
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,523,952
Total Revenue per Form 990
$2,523,952
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,225,319
Salaries, Compensation, and Employee Benefits$902,819
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$488,673
Current Officers, Directors, Trustees, and Key Employees---$260,093
Information Technology---$257,580
Occupancy---$137,275
Office Expenses---$102,167
Interest---$94,477
Fees for Services Other---$93,512
Depreciation Depletion---$73,373
Other Employee Benefits---$68,575
Payroll Taxes---$56,113
Other Expenses---$44,403
Advertising---$29,545
Pension Plan Contributions---$29,365
Insurance---$20,634
Fees for Services Accounting---$15,100
Conferences and Meetings---$4,496
Travel---$950
Total Functional Expenses$0$0$0$2,128,138

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,128,138
Total Expenses per Audited Statements$2,128,138
Total Expenses per Form 990$2,128,138
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$53,961,391
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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 11B

“The Form 990 was reviewed by the CEO, COO, and VP of Operations 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 Board 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
Lisa Dinges
Title
President
Phone
7083430228
Signed
2022-02-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lisa Dinges
Formed
1998
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
18
Volunteers
9

Preparer

Firm
Desmond & Ahern Ltd
Address
10827 S Western Avenue, Chicago, IL 60643
Preparer
Jason L Gierhahn
Phone
7737794720
Supplemental Narrative

Additional Explanations

Form 990, Part XII, line 2C:

“The process has not changed from the prior year.”

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 2021 or 2020 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.”

Raw XML Appendix394 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0190244
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0164998
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Illinois state chartered credit union operated for the mutual benefit of its members
IRS990/AdvertisingGrp/TotalAmt029545
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Lisa Dinges
IRS990/BooksInCareOfDetail/PhoneNum07083430228
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01807 W Cermak Rd
IRS990/BooksInCareOfDetail/USAddress/CityNm0Broadview
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060155
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0416878
IRS990/CashNonInterestBearingGrp/EOYAmt0485566
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0260093
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt04496
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0337358
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0255 Fiserv Drive
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Brookfield
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd053308
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Fiserv
IRS990/ContractorCompensationGrp/ServicesDesc0Bank interface/maintenance
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0408112
IRS990/CYOtherExpensesAmt01225319
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02115840
IRS990/CYRevenuesLessExpensesAmt0395814
IRS990/CYSalariesCompEmpBnftPaidAmt0902819
IRS990/CYTotalExpensesAmt02128138
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02523952
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt073373
IRS990/Desc0Credit Union makes and services consumer and real estate loans to members. The number of loans outstanding at 12/31/21 was 1,575 for a total of $28,157,797.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt018
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt015100
IRS990/FeesForServicesOtherGrp/TotalAmt093512
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt945.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1045.00
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/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
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/OtherCompensationAmt919105
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1015120
IRS990/Form990PartVIISectionAGrp/PersonNm0Stephen Bergeon
IRS990/Form990PartVIISectionAGrp/PersonNm1Craig Lundt
IRS990/Form990PartVIISectionAGrp/PersonNm2Yogi Patel
IRS990/Form990PartVIISectionAGrp/PersonNm3Donna Sebestyen
IRS990/Form990PartVIISectionAGrp/PersonNm4Alexis Wallace
IRS990/Form990PartVIISectionAGrp/PersonNm5Kurtis Todd
IRS990/Form990PartVIISectionAGrp/PersonNm6James Parker
IRS990/Form990PartVIISectionAGrp/PersonNm7Ron Mikicich
IRS990/Form990PartVIISectionAGrp/PersonNm8Pamela Harrison
IRS990/Form990PartVIISectionAGrp/PersonNm9Lisa Dinges
IRS990/Form990PartVIISectionAGrp/PersonNm10Thomas Pierce
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/ReportableCompFromOrgAmt9120385
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10105484
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/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10COO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01998
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02523952
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0257580
IRS990/InsuranceGrp/TotalAmt020634
IRS990/InterestGrp/TotalAmt094477
IRS990/InvestmentIncomeGrp/ExclusionAmt0408112
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0408112
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt067059
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt067059
IRS990/InvestmentsPubTradedSecGrp/BOYAmt024700150
IRS990/InvestmentsPubTradedSecGrp/EOYAmt028039034
IRS990/IRPDocumentCnt0760
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0984377
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02436065
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02385633
IRS990/LandBldgEquipCostOrOtherBssAmt03370010
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Illinois 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt06855907
IRS990/NetAssetsOrFundBalancesEOYAmt07251721
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0137275
IRS990/OfficeExpensesGrp/TotalAmt0102167
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0686312
IRS990/OtherAssetsTotalGrp/EOYAmt0791200
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt068575
IRS990/OtherExpensesGrp/Desc0ATM/Debit fees
IRS990/OtherExpensesGrp/Desc1Loan servicing
IRS990/OtherExpensesGrp/Desc2Other operating
IRS990/OtherExpensesGrp/TotalAmt0188959
IRS990/OtherExpensesGrp/TotalAmt1162848
IRS990/OtherExpensesGrp/TotalAmt244403
IRS990/OtherLiabilitiesGrp/BOYAmt052224916
IRS990/OtherLiabilitiesGrp/EOYAmt053961391
IRS990/OtherOrganizationDsc0Cooperative
IRS990/OtherSalariesAndWagesGrp/TotalAmt0488673
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt025794163
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt028157797
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt056113
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt029365
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0145285
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0171353
IRS990/PrincipalOfficerNm0Lisa Dinges
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fees & other charges
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01381613
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1731587
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01381613
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1734227
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02640
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 12/31/21 is 8,912 in the amount of $53,961,391.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0497041
IRS990/PYOtherExpensesAmt01199544
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01871188
IRS990/PYRevenuesLessExpensesAmt0279796
IRS990/PYSalariesCompEmpBnftPaidAmt0888889
IRS990/PYTotalExpensesAmt02088433
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02368229
IRS990/ReconcilationRevenueExpnssAmt0395814
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06855907
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07251721
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05025155
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01280468
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01350521
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0614487
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01965008
IRS990ScheduleD/EquipmentGrp/BookValueAmt060112
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0369890
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0430002
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02128138
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0975000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0975000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt053961391
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02523952
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 2021 or 2020 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/FormAndLineReferenceDesc0Part X, Line 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02385633
IRS990ScheduleD/TotalExpensesPerForm990Amt02128138
IRS990ScheduleD/TotalLiabilityAmt053961391
IRS990ScheduleD/TotalRevenuePerForm990Amt02523952
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02523952
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02128138
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 reviewed by the CEO, COO, and VP of Operations of the Credit Union prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation of the CEO and top management is determined by the Board of Directors using comparibility data.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Governing documents available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The process has not changed from the prior year.
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 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XII, line 2c:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt059271067
IRS990/TotalAssetsEOYAmt061378110
IRS990/TotalAssetsGrp/BOYAmt059271067
IRS990/TotalAssetsGrp/EOYAmt061378110
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/TotalAmt02128138
IRS990/TotalGrossUBIAmt02640
IRS990/TotalLiabilitiesBOYAmt052415160
IRS990/TotalLiabilitiesEOYAmt054126389
IRS990/TotalLiabilitiesGrp/BOYAmt052415160
IRS990/TotalLiabilitiesGrp/EOYAmt054126389
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06855907
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07251721
IRS990/TotalOtherCompensationAmt034225
IRS990/TotalProgramServiceRevenueAmt02115840
IRS990/TotalReportableCompFromOrgAmt0225869
IRS990/TotalRevenueGrp/ExclusionAmt0408112
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02113200
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02523952
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02640
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt059271067
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt061378110
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0950
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
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/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Lisa Dinges
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07083430228
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-02-18
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/PreparationDt02022-02-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jason L Gierhahn
ReturnHeader/ReturnTs02022-02-18T14:37:31-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Lisa
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Dinges
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$61,378,110
Liabilities
$54,126,389
Net assets
$7,251,721
Revenue
$2,523,952
Expenses
$2,128,138
Net income
$395,814
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