Civic Intelligence

Ethicon Suture Credit Union

990 • Fiscal year 2013 • EIN 36-6083051

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization ProfileN/A
5235 W 65th St60638-5700

(708) 728-0225

Siviq Scores

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

Liabilities / Assets

80th percentile

0.90x

Higher debt load relative to assets than 80% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

45th percentile

15.48x

Higher debt load relative to revenue than 45% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

56th percentile

2.4%

Higher net margin than 56% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

22nd percentile

$2,250

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets80th percentile

Assets

$1,070,632

No earlier filing loaded for comparison.

Net Assets

$112,056

No earlier filing loaded for comparison.

Liabilities

$958,576

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin56th percentile

Revenue

$61,913

No earlier filing loaded for comparison.

Expenses

$60,439

No earlier filing loaded for comparison.

Net Income

$1,474

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0Assets 2013: $1,070,632Liabilities 2013: $958,576Net Assets 2013: $112,0562013Assets 2014: $1,015,077Liabilities 2014: $901,095Net Assets 2014: $113,9822014Assets 2015: $1,073,398Liabilities 2015: $957,568Net Assets 2015: $115,8302015Assets 2016: $1,073,802Liabilities 2016: $953,974Net Assets 2016: $119,8282016Assets 2017: $1,143,639Liabilities 2017: $1,021,872Net Assets 2017: $121,7672017Assets 2018: $1,150,981Liabilities 2018: $1,026,195Net Assets 2018: $124,7862018Assets 2019: $1,172,527Liabilities 2019: $1,045,587Net Assets 2019: $126,9402019Assets 2020: $1,244,398Liabilities 2020: $1,130,254Net Assets 2020: $114,1442020Assets 2021: $1,471,041Liabilities 2021: $1,355,066Net Assets 2021: $115,9752021Assets 2022: $1,524,203Liabilities 2022: $1,404,173Net Assets 2022: $120,0302022Assets 2023: $1,341,302Liabilities 2023: $1,212,381Net Assets 2023: $128,9212023Assets 2024: $1,430,997Liabilities 2024: $1,294,355Net Assets 2024: $136,6422024

Highlighted filing

2013

Assets$1,070,632
Liabilities$958,576
Net Assets$112,056
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100K$50K$0-$50KRevenue 2013: $61,913Expenses 2013: $60,439Net Income 2013: $1,4742013Revenue 2014: $60,004Expenses 2014: $58,078Net Income 2014: $1,9262014Revenue 2015: $53,369Expenses 2015: $51,521Net Income 2015: $1,8482015Revenue 2016: $58,401Expenses 2016: $54,403Net Income 2016: $3,9982016Revenue 2017: $67,971Expenses 2017: $66,032Net Income 2017: $1,9392017Revenue 2018: $67,911Expenses 2018: $64,892Net Income 2018: $3,0192018Revenue 2019: $65,330Expenses 2019: $63,176Net Income 2019: $2,1542019Revenue 2020: $56,218Expenses 2020: $69,014Net Income 2020: -$12,7962020Revenue 2021: $58,178Expenses 2021: $56,347Net Income 2021: $1,8312021Revenue 2022: $58,601Expenses 2022: $54,546Net Income 2022: $4,0552022Revenue 2023: $68,996Expenses 2023: $60,105Net Income 2023: $8,8912023Revenue 2024: $65,341Expenses 2024: $57,620Net Income 2024: $7,7212024

Highlighted filing

2013

Revenue$61,913
Expenses$60,439
Net Income$1,474
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.1
Gross Receipts
$61,913
Mission and Program Overview

Mission

Operated for mutual purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$651,254$728,098▲ $76,844
Cash and Non-Interest-Bearing Accounts$344,359$236,516▼ $107,843
Rtn Earn Endowment Incm Other Fnds$110,582$112,056▲ $1,474
Savings and Temporary Cash Investments$35,984$82,685▲ $46,701
Prepaid Expenses and Deferred Charges$14,703$15,980▲ $1,277
Receivables From Officers Etc$13,867$7,199▼ $6,668
Investments in Publicly Traded Securities$296$154▼ $142
Total Assets$1,060,463$1,070,632▲ $10,169
Liabilities
Unsecured Notes Loans Payable$949,864$957,919▲ $8,055
Accounts Payable and Accrued Expenses$17$657▲ $640
Total Liabilities$949,881$958,576▲ $8,695
Net Assets / Fund Balance
Total Net Assets Fund Balance$110,582$112,056▲ $1,474
Total Liabilities and Net Assets / Fund Balance$1,060,463$1,070,632▲ $10,169
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
C WalleyTreas/presPT$2,250$2,250
P HopfPt Staff-$1,844$1,844

Board Members and Trustees

NameTitle
J AyalaBoard Chrm
E HopkinsCredit COM CHR
J ReynoldsCredit COM Memb
L HolmesCredit COM Memb
J GordonSecretary
G RinconenoSupervisory COM CHR
R GonzalezSupervisory COM Mem
C MccallumSupervisoy COM Mem
J BavoneVic CHR
Revenue and Support

Revenue Composition

Contributions and Grants
$4,581
Program Service Revenue
$57,289
Investment Income
$43
Other Revenue
$0
Change in Net Assets
$1,474
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$56,067
Salaries, Compensation, and Employee Benefits$4,372
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy---$13,835
Office Expenses---$9,651
Fees for Services Accounting---$8,382
Current Officers, Directors, Trustees, and Key Employees---$4,094
Fees for Services Other---$1,580
Other Expenses---$801
Fees for Services Legal---$780
Conferences and Meetings---$738
Advertising---$386
Payroll Taxes---$278
Total Functional Expenses$0$0$0$60,439
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$13,867$7,199▼ $6,668
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
36-6083051
Phone
7087280225

Signing Officer

Name
C Walley Treasurer
Title
Treasurer
Phone
7087280225
Signed
2014-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
C Walley Treasurer
Formed
1952
Legal Domicile
Il
Voting Board Members
545
Independent Board Members
545
Employees
1
Volunteers
12

Preparer

Preparer
Cynthia Walley
Phone
7088992417
Supplemental Narrative

Additional Explanations

Pt VI, Line 7A

“Members vote in Board of Directors annually and”

Pt VI, Line 7B

“can make any Motion for vote at that time.”

Pt VI, Line 11B

“Form 990 is reviewed at the April Monthly Board Meeting and”

Pt VI, Line 11B

“made vailable to all members and the public in our offices.”

Pt VI, Line 12C

“Board Memebrs sign an oath and are reuired to disclose of any potential conflicts at monehthly board meetings.”

Pt VI, Line 6

“The credit union has members with share savings”

Pt VI, Line 6

“Note: page two of 990 4b”

Pt VI, Line 15A

“Board of Directors determines the amount and contract”

Pt VI, Line 15A

“terms annually for our only compensated working officer.”

Pt VI, Line 15A

“Note: No raise has been given for 18 years, 95% of time is voluntary.”

Pt VI, Line 15B

“Board of Directors determines the hourly amount paid”

Pt VI, Line 15B

“for our one part time employee”

Raw XML Appendix391 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0signature loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1signature loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2car loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3SHARE SECURED LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt02500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt28100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt315000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0E HOPKINS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1L HOLMES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2J BAVONE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3J AYALA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/TotalBalanceDueAmt07199
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members vote in Board of Directors annually and
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1can make any Motion for vote at that time.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is reviewed at the April Monthly Board Meeting and
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3made vailable to all members and the public in our offices.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Board Memebrs sign an oath and are reuired to disclose of any potential conflicts at monehthly board meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The credit union has members with share savings
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Note: page two of 990 4b
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Board of Directors determines the amount and contract
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8terms annually for our only compensated working officer.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Note: No raise has been given for 18 years, 95% of time is voluntary.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Board of Directors determines the hourly amount paid
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11for our one part time employee
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VI, Line 15b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IL
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01060463
IRS990/TotalAssetsEOYAmt01070632
IRS990/TotalAssetsGrp/BOYAmt01060463
IRS990/TotalAssetsGrp/EOYAmt01070632
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt04581
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/TotalAmt060439
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0949881
IRS990/TotalLiabilitiesEOYAmt0958576
IRS990/TotalLiabilitiesGrp/BOYAmt0949881
IRS990/TotalLiabilitiesGrp/EOYAmt0958576
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0110582
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0112056
IRS990/TotalProgramServiceRevenueAmt057289
IRS990/TotalReportableCompFromOrgAmt04094
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt057332
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt061913
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01060463
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01070632
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0949864
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0957919
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine105235 W 65TH ST UNIT C
IRS990/USAddress/City0CHICAGO
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode060638
IRS990/VotingMembersGoverningBodyCnt0545
IRS990/VotingMembersIndependentCnt0545
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0C WALLEY TREASURER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07087280225
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10ETHICON SUTURE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ETHI
ReturnHeader/Filer/EIN0366083051
ReturnHeader/Filer/PhoneNum07087280225
ReturnHeader/Filer/USAddress/AddressLine105235 W 65TH ST
ReturnHeader/Filer/USAddress/City0CHICAGO
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode0606385700
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10JORENE GORDON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine102416 S 14th Ave
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Broadview
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode060155
ReturnHeader/PreparerPersonGrp/PhoneNum07088992417
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CYNTHIA WALLEY
ReturnHeader/ReturnTs02014-05-14T20:07:52-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,070,632
Liabilities
$958,576
Net assets
$112,056
Revenue
$61,913
Expenses
$60,439
Net income
$1,474
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.43$1.29$0.14$0.07$0.06$0.01
2023Detailed filing. Detailed filing data is available for this year.$1.34$1.21$0.13$0.07$0.06$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.52$1.40$0.12$0.06$0.05$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.47$1.36$0.12$0.06$0.06$0.00
2020Detailed filing. Detailed filing data is available for this year.$1.24$1.13$0.11$0.06$0.07$0.01
2019Detailed filing. Detailed filing data is available for this year.$1.17$1.05$0.13$0.07$0.06$0.00
2018Detailed filing. Detailed filing data is available for this year.$1.15$1.03$0.12$0.07$0.06$0.00
2017Detailed filing. Detailed filing data is available for this year.$1.14$1.02$0.12$0.07$0.07$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.07$0.95$0.12$0.06$0.05$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.07$0.96$0.12$0.05$0.05$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.02$0.90$0.11$0.06$0.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.07$0.96$0.11$0.06$0.06$0.00
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $1M-$5M nonprofits