Civic Intelligence

Ethicon Suture Credit Union

990 • Fiscal year 2019 • EIN 36-6083051

Jan 01, 2019 to Dec 31, 2019 • Filed on May 03, 2020

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

83rd percentile

0.89x

Higher debt load relative to assets than 83% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

52nd percentile

16.00x

Higher debt load relative to revenue than 52% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

41st percentile

3.3%

Higher net margin than 41% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

27th percentile

$2,500

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 3.8% of source-year revenue.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

74th percentile

1.9%

Faster asset growth than 74% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

24th percentile

-3.8%

Faster revenue growth than 24% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$1,172,527

Up $21,546 (+1.9%) from 2018

Net Assets

Up

$126,940

Up $2,154 (+1.7%) from 2018

Liabilities

Up

$1,045,587

Up $19,392 (+1.9%) from 2018

Revenue And Expenses
Liabilities / Revenue52nd percentileNet Margin41st percentile

Revenue

Down

$65,330

Down $2,581 (-3.8%) from 2018

Expenses

Down

$63,176

Down $1,716 (-2.6%) from 2018

Net Income

Down

$2,154

Down $865 (-29%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth74th 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

2019

Assets$1,172,527
Liabilities$1,045,587
Net Assets$126,940
Open 2019 Filing

Operations Trend

Revenue Growth24th 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

2019

Revenue$65,330
Expenses$63,176
Net Income$2,154
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 3, 2020
Return Version
2019v5.1
Gross Receipts
$65,330
Mission and Program Overview

Mission

Operated for mutual purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$840,716$800,840▼ $39,876
Savings and Temporary Cash Investments$192,333$211,275▲ $18,942
Cash and Non-Interest-Bearing Accounts$92,718$137,654▲ $44,936
Rtn Earn Endowment Incm Other Fnds$124,786$126,940▲ $2,154
Prepaid Expenses and Deferred Charges$20,628$18,990▼ $1,638
Receivables From Officers Etc$4,586$3,768▼ $818
Total Assets$1,150,981$1,172,527▲ $21,546
Liabilities
Unsecured Notes Loans Payable$1,026,195$1,045,587▲ $19,392
Total Liabilities$1,026,195$1,045,587▲ $19,392
Net Assets / Fund Balance
Total Net Assets Fund Balance$124,786$126,940▲ $2,154
Total Liabilities and Net Assets / Fund Balance$1,150,981$1,172,527▲ $21,546
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseTotal
C WalleyTreas/presPT$2,500$2,500
P HopfPt Staff-$1,954$1,954

Board Members and Trustees

NameTitle
J AyalaBoard Chrm
C SullivanCredit COM Memb
J FadiganCredit COM Memb
J ReynoldsCredit COM Memb
J GordonSecretary
G RinconenoSupervisory COM CHR
C MccallumSupervisory COM Mem
R GonzalezSupervisory COM Mem
J BavoneVice Chrm
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$62,161
Investment Income
$3,169
Other Revenue
$0
Change in Net Assets
$2,154
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$60,676
Salaries, Compensation, and Employee Benefits$2,500
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy$0$0$0$15,726
Fees for Services Accounting$0$0$0$13,496
Office Expenses$0$0$0$10,905
Insurance$0$0$0$5,108
Current Officers, Directors, Trustees, and Key Employees$0$0$0$2,500
Other Expenses$0$0$0$1,646
Total Functional Expenses$0$0$0$63,176
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$4,586$3,768▼ $818
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 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
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
2020-05-03

Organization Details

Principal Officer
C Walley Treasurer
Formed
1952
Legal Domicile
Il
Voting Board Members
522
Independent Board Members
522
Employees
0
Volunteers
12

Preparer

Firm
Jorene Gordon
Address
2416 S 14th Ave, Broadview, IL 60155
Preparer
Cynthia Walley
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 20 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.”

Raw XML Appendix393 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/LoanPurposeTxt0SIGNATURE LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SIGNATURE LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt05000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JANETTE AYALA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1CLARENCE MCCALLUM
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/TotalBalanceDueAmt03768
IRS990/ScheduleORequiredInd0true
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 20 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/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01150981
IRS990/TotalAssetsEOYAmt01172527
IRS990/TotalAssetsGrp/BOYAmt01150981
IRS990/TotalAssetsGrp/EOYAmt01172527
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt063176
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01026195
IRS990/TotalLiabilitiesEOYAmt01045587
IRS990/TotalLiabilitiesGrp/BOYAmt01026195
IRS990/TotalLiabilitiesGrp/EOYAmt01045587
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0124786
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0126940
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt062161
IRS990/TotalReportableCompFromOrgAmt04454
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt065330
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt065330
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01150981
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01172527
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt01026195
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt01045587
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05235 W 65TH ST UNIT C
IRS990/USAddress/CityNm0CHICAGO
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060638
IRS990/VotingMembersGoverningBodyCnt0522
IRS990/VotingMembersIndependentCnt0522
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-11-19 02:30:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0CYNTHIA WALLEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07087280225
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-05-03
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/AtSubmissionFilingDeviceId0AD3DBCBF9F7DFA9B28299A86A917E8B559E72453
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt076.243.195.2
ReturnHeader/FilingSecurityInformation/IPDt02020-05-13
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm016:33:11
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/PreparationDt02020-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CYNTHIA WALLEY
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-05-13T16:33:19-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,172,527
Liabilities
$1,045,587
Net assets
$126,940
Revenue
$65,330
Expenses
$63,176
Net income
$2,154
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