Civic Intelligence

Premier Credit Union

EIN 36-6084996 • 501(c)14 • Palatine, IL

View Organization Page

Profile

Illinois state chartered credit union

1212 W NW HighwayPalatine, IL 60067-1897

www.mycu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

61st percentile

0.90x

Higher debt load relative to assets than 61% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

97th percentile

28.13x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

60th percentile

15%

Higher net margin than 60% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

44th percentile

$236,848

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

$100M-$250M nonprofits • Source year 2014

Asset Growth

60th percentile

3.3%

Faster asset growth than 60% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

8th percentile

-0.7%

Faster revenue growth than 8% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$178,161,226

Up $5,729,014 (+3.3%) from 2013

Liabilities

Up

$160,817,641

Up $4,751,590 (+3.0%) from 2013

Net Assets

Up

$17,343,585

Up $977,424 (+6.0%) from 2013

Operations
Liabilities / Revenue97th percentileNet Margin60th percentile

Revenue

Down

$5,717,485

Down $37,781 (-0.7%) from 2013

Expenses

Down

$4,874,193

Down $189,632 (-3.7%) from 2013

Net Income

Up

$843,292

Up $151,851 (+22%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth60th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $141,790,210Liabilities 2010: $126,781,458Net Assets 2010: $15,008,7522010Assets 2011: $150,311,194Liabilities 2011: $134,962,663Net Assets 2011: $15,348,5312011Assets 2012: $159,837,835Liabilities 2012: $143,834,809Net Assets 2012: $16,003,0262012Assets 2013: $172,432,212Liabilities 2013: $156,066,051Net Assets 2013: $16,366,1612013Assets 2014: $178,161,226Liabilities 2014: $160,817,641Net Assets 2014: $17,343,5852014

Highlighted filing

2014

Assets$178,161,226
Liabilities$160,817,641
Net Assets$17,343,585
Open 2014 Filing

Operations Trend

Revenue Growth8th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $6,464,9152010Expenses 2011: $5,645,3242011Expenses 2012: $5,241,5462012Revenue 2013: $5,755,266Expenses 2013: $5,063,825Net Income 2013: $691,4412013Revenue 2014: $5,717,485Expenses 2014: $4,874,193Net Income 2014: $843,2922014

Highlighted filing

2014

Revenue$5,717,485
Expenses$4,874,193
Net Income$843,292
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$178,161,226
Liabilities
$160,817,641
Net assets
$17,343,585
Revenue
$5,717,485
Expenses
$4,874,193
Net income
$843,292
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$178$161$17.3$5.72$4.87$0.84
2013Detailed filing. Detailed filing data is available for this year.$172$156$16.4$5.76$5.06$0.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$160$144$16.0$5.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$150$135$15.3$5.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$142$127$15.0$6.46
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 5, 2015
Return Version
2014v5.0
Gross Receipts
$5,717,485
Mission and Program Overview

Mission

Illinois state chartered credit union

Illinois state chartered credit union operated for the mutual benefit of its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$78,091,194$78,406,842▲ $315,648
Investments Program Related$64,407,516$71,012,105▲ $6,604,589
Rtn Earn Endowment Incm Other Fnds$16,366,161$17,343,585▲ $977,424
Savings and Temporary Cash Investments$9,911,570$15,433,928▲ $5,522,358
Investments Other Securities$15,423,050$9,433,244▼ $5,989,806
Cash and Non-Interest-Bearing Accounts$680,990$627,859▼ $53,131
Receivables From Officers Etc$646,345$469,585▼ $176,760
Land, Buildings, and Equipment, Net$327,134$213,653▼ $113,481
Prepaid Expenses and Deferred Charges$189,781$201,686▲ $11,905
Accounts Receivable$66,904$3,478▼ $63,426
Total Assets$172,432,212$178,161,226▲ $5,729,014
Other Assets Total$2,687,728$2,358,846▼ $328,882
Liabilities
Other Liabilities$155,087,073$159,785,112▲ $4,698,039
Accounts Payable and Accrued Expenses$978,978$1,032,529▲ $53,551
Total Liabilities$156,066,051$160,817,641▲ $4,751,590
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,366,161$17,343,585▲ $977,424
Total Liabilities and Net Assets / Fund Balance$172,432,212$178,161,226▲ $5,729,014

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$171,686$177,987$349,673
Leasehold Improvements$41,967$303,121$345,088
Investment Program Related Org$5,705,105--
Other Securities$546,994--
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James a RocheCEOFT$202,486$34,362$236,848
James a Roche--$202,486$34,362$236,848
Mary Fran CallahanCFOFT$121,873$11,272$133,145
Jennifer FournierVP of MarketingFT$91,876$18,181$110,057
Joe RogackiVP of LendingFT$82,128$16,919$99,047
Raju ShahVP of ItFT$79,288$16,104$95,392

Board Members and Trustees

NameTitle
Leslee JohnsonChairperson
Jim SpenglerVice-chairperson
Alice BarnhartDirector
Demetri SimosDirector
Floyd RogersDirector
Irene HombergerDirector
Robert KaplanDirector
Spiro GiotisDirector
Steven SenfDirector
William LudwigsenDirector
Steven M EastSecretary
Gerald KrewerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,637,146
Investment Income
$688,761
Other Revenue
$1,391,578
Change in Net Assets
$843,292

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,717,485
Total Revenue per Audited Statements
$5,717,485
Total Revenue per Form 990
$5,717,485
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,521,365
Salaries, Compensation, and Employee Benefits$2,351,460
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,247,783$0$0$1,247,783
Current Officers, Directors, Trustees, and Key Employees$674,490$0$0$674,490
All Other Expenses$579,693$0$0$579,693
Occupancy$392,957$0$0$392,957
Other Employee Benefits$273,352$0$0$273,352
Office Expenses$225,025$0$0$225,025
Interest$185,689$0$0$185,689
Advertising$164,989$0$0$164,989
Payroll Taxes$155,835$0$0$155,835
Other Expenses$138,563$0$0$138,563
Information Technology$95,607$0$0$95,607
Depreciation Depletion$86,134$0$0$86,134
Fees for Services Other$84,999$0$0$84,999
Insurance$37,493$0$0$37,493
Fees for Services Accounting$11,455$0$0$11,455
Travel$9,604$0$0$9,604
Conferences and Meetings$7,258$0$0$7,258
Fees for Service Investment Mgmnt Fees$5,352$0$0$5,352
Benefits to Members$1,368--$1,368
Total Functional Expenses$4,874,193$0$0$4,874,193

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,874,193
Total Expenses per Audited Statements$4,874,193
Total Expenses per Form 990$4,874,193
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$646,345$469,585▼ $176,760
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$80,836,934
Money Market$34,575,674
Share Drafts$26,976,620
Certificates$11,827,880
Ira Savings$5,568,004
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Premier Credit Union
EIN
36-6084996
Phone
8474961638
Address
1212 W NW HIGHWAY, PALATINE, IL 60067-1897

Signing Officer

Name
James a Roche
Title
CEO
Phone
8474961638
Signed
2015-05-05
Discuss with paid preparer
Yes

Organization Details

Formed
1961
Legal Domicile
Il
Voting Board Members
12
Independent Board Members
12
Employees
49
Volunteers
12

Preparer

Firm
Homer Wilson & Co Ltd
Address
900 RIDGE ROAD SUITE S, MUNSTER, IN 46321-1727
Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 2

“Board members spiro giotis and demetri simos are cousins”

Pt VI, Line 6

“Members of the credit union who maintain a minimum balance in their share account are shareholders”

Pt VI, Line 7A

“Members elect the board of directors at their annual meeting”

Pt VI, Line 11B

“Prior to filing, the 990 is reviewed by the ceo and cfo”

Pt VI, Line 15A

“The executive committee and the board of directors determines the compensation for the ceo”

Pt VI, Line 15B

“Management makes recommendations on other staff and the ceo approves and submits to the executive committee for review and final approval”

Pt XII, Line 2C

“The supervisory committee oversees the audit process”

Form 990, Part IX, Line 24F

“Atm expense 163523. 163523. 0. 0. Bill payer exp 49548. 49548. 0. 0. Cash over/short -144. -144. 0. 0. Misc cu expenses 50218. 50218. 0. 0. Oreo expense 0. 0. 0. 0. Shared branching 72306. 72306. 0. 0. Sharedraft/overdraft 21739. 21739. 0. 0. Supervision fees 40590. 40590. 0. 0. Visa/debit card exp 180367. 180367. 0. 0. Other loss 1546. 1546. 0. 0.”

Financial Statement Notes

Pt X, Line 2

“The credit union adopted the accounting standard regarding "accounting for uncertain tax positions". The standard provides detailed guidance for financial statement recognition, measurement, and disclosure of uncertian tax positions recognized in the enterprise's financial statements. It requires an entity to recognize the financial impact of a tax position when it is more likely than not that the position will be sustained upon examination. The adoption of this standard had no material effect on the credit union's financial position, results of operations, or cash flow. In accordance with statutory regulations, certain years remain subject to examination by the taxing authorities. With few exceptions, the credit union is no longer subject to u.s. Federal, state, or local tax examinations for certain prior years.”

Raw XML AppendixShowing 400 of 751 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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IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
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