Civic Intelligence

Ethicon Suture Credit Union

990 • Fiscal year 2016 • EIN 36-6083051

Jan 01, 2016 to Dec 31, 2016 • Filed on May 07, 2017

Organization ProfileN/A
5235 W 65th StChicago, IL 60638-5700

(708) 728-0225

Siviq Scores

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

Liabilities / Assets

80th percentile

0.89x

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

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

45th percentile

16.33x

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

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

63rd percentile

6.8%

Higher net margin than 63% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

22nd percentile

$3,800

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

51st percentile

0.0%

Faster asset growth than 51% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

92nd percentile

9.4%

Faster revenue growth than 92% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$1,073,802

Up $404 (+0.0%) from 2015

Net Assets

Up

$119,828

Up $3,998 (+3.5%) from 2015

Liabilities

Down

$953,974

Down $3,594 (-0.4%) from 2015

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin63rd percentile

Revenue

Up

$58,401

Up $5,032 (+9.4%) from 2015

Expenses

Up

$54,403

Up $2,882 (+5.6%) from 2015

Net Income

Up

$3,998

Up $2,150 (+116%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth51st percentile

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

2016

Assets$1,073,802
Liabilities$953,974
Net Assets$119,828
Open 2016 Filing

Operations Trend

Revenue Growth92nd percentile

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

2016

Revenue$58,401
Expenses$54,403
Net Income$3,998
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 7, 2017
Return Version
2016v3.0
Gross Receipts
$58,401
Mission and Program Overview

Mission

Operated for mutual purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$670,789$754,736▲ $83,947
Savings and Temporary Cash Investments$135,393$165,601▲ $30,208
Cash and Non-Interest-Bearing Accounts$258,640$137,075▼ $121,565
Rtn Earn Endowment Incm Other Fnds$115,830$119,828▲ $3,998
Receivables From Officers Etc$2,826$10,531▲ $7,705
Prepaid Expenses and Deferred Charges$5,750$5,859▲ $109
Total Assets$1,073,398$1,073,802▲ $404
Liabilities
Unsecured Notes Loans Payable$957,548$953,972▼ $3,576
Accounts Payable and Accrued Expenses$20$2▼ $18
Total Liabilities$957,568$953,974▼ $3,594
Net Assets / Fund Balance
Total Net Assets Fund Balance$115,830$119,828▲ $3,998
Total Liabilities and Net Assets / Fund Balance$1,073,398$1,073,802▲ $404
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
C WalleyTreas/presPT$3,800$3,800
P HopfPt Staff-$2,044$2,044

Board Members and Trustees

NameTitle
J AyalaBoard Chrm
E HopkinsCredit COM CHR
C SullivanCredit COM Memb
J ReynoldsCredit 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
$0
Program Service Revenue
$58,094
Investment Income
$307
Other Revenue
$0
Change in Net Assets
$3,998
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$48,559
Salaries, Compensation, and Employee Benefits$5,844
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy---$14,191
Fees for Services Accounting---$11,550
Office Expenses---$8,071
Current Officers, Directors, Trustees, and Key Employees---$5,844
Other Expenses---$5,409
Fees for Services Legal---$2,355
Total Functional Expenses$0$0$0$54,403
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$2,826$10,531▲ $7,705
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

Filer Name
Ethicon Suture Credit Union
EIN
36-6083051
Phone
7087280225
Address
5235 W 65TH ST, CHICAGO, IL 60638-5700

Signing Officer

Name
Cynthia Walley
Title
Treasurer
Phone
7087280225
Signed
2017-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
C Walley Treasurer
Formed
1952
Legal Domicile
Il
Voting Board Members
544
Independent Board Members
544
Employees
0
Volunteers
12

Preparer

Firm
Jorene Gordon
Address
2416 S 14th Ave, Broadview, IL 60155
Preparer
Cynthia Walley
Phone
7088992417
Supplemental Narrative

Additional Explanations

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 7A

“Members vote in Board of Directors annually”

Pt VI, Line 7B

“Members have governance and can make any motion annually”

Pt VI, Line 8A

“All meetings are documented, all board motions recorded”

Pt VI, Line 15A

“Board of directors determines contract terms and amounts”

Pt VI, Line 15A

“annully for compensation but note that no raises have been”

Pt VI, Line 15A

“given for 19 years, 97% of time is voluntary”

Pt VI, Line 15B

“Board of directors determines hourly rate/amount paid”

Pt VI, Line 15B

“for any office help”

Pt VI, Line 18

“All reports and filings available upon request”

Pt VIII

“Program service revenue = loan/Visa interest & fees”

Pt VI, Line 11B

“Form 990 is reviewed at May monthly meeting”

Pt VI, Line 11B

“Form 990 made available to all members & public in our offices”

Pt VI, Line 12C

“Board members sign an oath and are required to disclose of any potential conficts at monthly board meetings.”

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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union has members with share savings
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Note: page two of 990 4b
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members vote in Board of Directors annually
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Members have governance and can make any motion annually
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4All meetings are documented, all board motions recorded
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Board of directors determines contract terms and amounts
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6annully for compensation but note that no raises have been
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7given for 19 years, 97% of time is voluntary
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Board of directors determines hourly rate/amount paid
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9for any office help
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10All reports and filings available upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Program service revenue = loan/Visa interest & fees
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Form 990 is reviewed at May monthly meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Form 990 made available to all members & public in our offices
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14Board members sign an oath and are required to disclose of any potential conficts at monthly board meetings.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VIII
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Pt VI, Line 12c
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IL
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01073398
IRS990/TotalAssetsEOYAmt01073802
IRS990/TotalAssetsGrp/BOYAmt01073398
IRS990/TotalAssetsGrp/EOYAmt01073802
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt054403
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0957568
IRS990/TotalLiabilitiesEOYAmt0953974
IRS990/TotalLiabilitiesGrp/BOYAmt0957568
IRS990/TotalLiabilitiesGrp/EOYAmt0953974
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0115830
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0119828
IRS990/TotalProgramServiceRevenueAmt058094
IRS990/TotalReportableCompFromOrgAmt05844
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt058401
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt058401
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01073398
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01073802
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0957548
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0953972
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05235 W 65TH ST UNIT C
IRS990/USAddress/CityNm0CHICAGO
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060638
IRS990/VotingMembersGoverningBodyCnt0544
IRS990/VotingMembersIndependentCnt0544
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CYNTHIA WALLEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07087280225
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ETHICON SUTURE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ETHI
ReturnHeader/Filer/EIN0366083051
ReturnHeader/Filer/PhoneNum07087280225
ReturnHeader/Filer/USAddress/AddressLine1Txt05235 W 65TH ST
ReturnHeader/Filer/USAddress/CityNm0CHICAGO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd0606385700
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0AD3DBCBF9F7DFA9B28299A86A917E8B559E72453
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId08BEDA055FA9BD7CA376D4B1B7DA1B9DE67085454
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt073.72.80.250
ReturnHeader/FilingSecurityInformation/IPDt02017-05-08
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm013:07:43
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JORENE GORDON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02416 S 14th Ave
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Broadview
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060155
ReturnHeader/PreparerPersonGrp/PhoneNum07088992417
ReturnHeader/PreparerPersonGrp/PreparationDt02017-05-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CYNTHIA WALLEY
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02017-05-08T13:08:10-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,073,802
Liabilities
$953,974
Net assets
$119,828
Revenue
$58,401
Expenses
$54,403
Net income
$3,998
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