Civic Intelligence

Joliet Firefighters Credt Unio

990 • Fiscal year 2021 • EIN 36-6088968

Jan 01, 2021 to Dec 31, 2021 • Filed on Mar 12, 2022

Organization Profile
226 Meadow Wood DrJoliet, IL 60431

(815) 744-1001

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Liabilities / Revenue

88th percentile

40.38x

Higher debt load relative to revenue than 88% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Net Margin

57th percentile

9.9%

Higher net margin than 57% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Top Officer Pay

92nd percentile

$83,028

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 42.5% of source-year revenue.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Asset Growth

90th percentile

13%

Faster asset growth than 90% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Revenue Growth

34th percentile

-11%

Faster revenue growth than 34% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$8,610,790

Up $975,909 (+13%) from 2020

Net Assets

Up

$725,490

Up $19,357 (+2.7%) from 2020

Liabilities

Up

$7,885,300

Up $956,552 (+14%) from 2020

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin57th percentile

Revenue

Down

$195,288

Down $24,088 (-11%) from 2020

Expenses

Down

$175,931

Down $29,484 (-14%) from 2020

Net Income

Up

$19,357

Up $5,396 (+39%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth90th percentile

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

$10M$5.0M$0Assets 2019: $6,689,389Liabilities 2019: $5,997,217Net Assets 2019: $692,1722019Assets 2020: $7,634,881Liabilities 2020: $6,928,748Net Assets 2020: $706,1332020Assets 2021: $8,610,790Liabilities 2021: $7,885,300Net Assets 2021: $725,4902021Assets 2022: $8,737,760Liabilities 2022: $7,996,682Net Assets 2022: $741,0782022Assets 2023: $7,683,805Liabilities 2023: $6,899,729Net Assets 2023: $784,0762023Assets 2024: $7,424,744Liabilities 2024: $6,560,794Net Assets 2024: $863,9502024Assets 2025: $7,932,124Liabilities 2025: $7,038,264Net Assets 2025: $893,8602025

Highlighted filing

2021

Assets$8,610,790
Liabilities$7,885,300
Net Assets$725,490
Open 2021 Filing

Operations Trend

Revenue Growth34th percentile

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

$400K$300K$200K$100K$0Revenue 2019: $225,203Expenses 2019: $193,495Net Income 2019: $31,7082019Revenue 2020: $219,376Expenses 2020: $205,415Net Income 2020: $13,9612020Revenue 2021: $195,288Expenses 2021: $175,931Net Income 2021: $19,3572021Revenue 2022: $220,312Expenses 2022: $204,724Net Income 2022: $15,5882022Revenue 2023: $277,152Expenses 2023: $234,154Net Income 2023: $42,9982023Revenue 2024: $317,859Expenses 2024: $237,984Net Income 2024: $79,8752024Revenue 2025: $330,479Expenses 2025: $300,570Net Income 2025: $29,9092025

Highlighted filing

2021

Revenue$195,288
Expenses$175,931
Net Income$19,357
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 12, 2022
Return Version
2021v4.1
Gross Receipts
$195,288
Mission and Program Overview

Mission

Encourage savings for members create source of credit at reasonable interest rates, provide opportunity for members to improve economic condition

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$3,837,922$4,079,151▲ $241,229
Savings and Temporary Cash Investments$2,346,210$3,215,591▲ $869,381
Cash and Non-Interest-Bearing Accounts$1,324,570$1,187,146▼ $137,424
Rtn Earn Endowment Incm Other Fnds$706,133$725,490▲ $19,357
Receivables From Officers Etc$59,337$41,621▼ $17,716
Land, Buildings, and Equipment, Net$6,870$10,872▲ $4,002
Prepaid Expenses and Deferred Charges-$7,122-
Total Assets$7,634,881$8,610,790▲ $975,909
Other Assets Total$59,972$69,287▲ $9,315
Liabilities
Other Liabilities$6,928,748$7,885,300▲ $956,552
Total Liabilities$6,928,748$7,885,300▲ $956,552
Net Assets / Fund Balance
Total Net Assets Fund Balance$706,133$725,490▲ $19,357
Total Liabilities and Net Assets / Fund Balance$7,634,881$8,610,790▲ $975,909

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$10,872$64,965-
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
R SurinakTreasurerPT$68,028$15,000$83,028

Board Members and Trustees

NameTitle
R LeggeroChairperson
F OffermanBoard
R FoxBoard
E MattsonCredit COM
R DoyleCredit COM
M BessettieSecretary
R RandichSupervisor COM
W OharaSupervisor COM
W TheobaldSupervisor COM
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$160,559
Investment Income
$34,729
Other Revenue
$0
Change in Net Assets
$19,357
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$77,882
Salaries, Compensation, and Employee Benefits$68,028
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees-$68,028-$68,028
Benefits to Members$30,021--$30,021
Information Technology-$22,863-$22,863
Office Expenses-$18,450-$18,450
Occupancy-$15,000-$15,000
Fees for Services Accounting-$10,067-$10,067
Depreciation Depletion-$4,849-$4,849
Insurance-$3,960-$3,960
Other Expenses$2,343--$2,343
Advertising-$350-$350
Total Functional Expenses$32,364$143,567$0$175,931
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
R SurinekTreasurerRent and UtilitiNo$15,000

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$59,337$41,621▼ $17,716
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Saving Accounts$7,885,300
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI Section C 19

“The financial statements are presented to the membership at the annual meeting and posted in the office. They are listed by the NCUA on Line.”

Part VI section B Line 15 B

“The board approves compensation based on what other financial statements are paying”

Filing and Contact Details

Filer

Filer Name
Joliet Firefighters Credt Unio
EIN
36-6088968
Address
226 Meadow Wood Dr, Joliet, IL 60431

Signing Officer

Name
Robert Surinak
Title
Treasurer
Phone
8157441001
Signed
2022-03-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Surinak
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
Employees
0

Preparer

Firm
Mitchell Accounting Ltd
Address
PO Box 1037, HOMEWOOD, IL 60430
Preparer
Martin J Mitchell
Phone
7089571183
Supplemental Narrative

Additional Explanations

Part IV Section B 11B

“The treasurer compares the financial statements to the 990 The answers to the questions are verified with the treasurer The 990 is presented to the board before filing.”

Part XII 2 C

“The supervisory committee chairman contracts with an independent CPA firm to conduct the annual aidit”

Raw XML Appendix373 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/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Sign
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt041469
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt133020
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt218517
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0R Fox
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1R Fox
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2R Fox
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Officer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Officer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Officer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt041621
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The treasurer compares the financial statements to the 990 The answers to the questions are verified with the treasurer The 990 is presented to the board before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The financial statements are presented to the membership at the annual meeting and posted in the office. They are listed by the NCUA on Line.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The supervisory committee chairman contracts with an independent CPA firm to conduct the annual aidit
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The board approves compensation based on what other financial statements are paying
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV Section B 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Section C 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part XII 2 C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI section B Line 15 b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt07634881
IRS990/TotalAssetsEOYAmt08610790
IRS990/TotalAssetsGrp/BOYAmt07634881
IRS990/TotalAssetsGrp/EOYAmt08610790
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0143567
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt032364
IRS990/TotalFunctionalExpensesGrp/TotalAmt0175931
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06928748
IRS990/TotalLiabilitiesEOYAmt07885300
IRS990/TotalLiabilitiesGrp/BOYAmt06928748
IRS990/TotalLiabilitiesGrp/EOYAmt07885300
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0706133
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0725490
IRS990/TotalOtherCompensationAmt015000
IRS990/TotalProgramServiceExpensesAmt030021
IRS990/TotalProgramServiceRevenueAmt0160559
IRS990/TotalReportableCompFromOrgAmt068028
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0195288
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0195288
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07634881
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08610790
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt0226 Meadow Wood Dr
IRS990/USAddress/CityNm0Joliet
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060435
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Robert Surinak
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum08157441001
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-03-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Joliet Firefighters Credt Unio
ReturnHeader/Filer/BusinessNameControlTxt0JOLI
ReturnHeader/Filer/EIN0366088968
ReturnHeader/Filer/USAddress/AddressLine1Txt0226 Meadow Wood Dr
ReturnHeader/Filer/USAddress/CityNm0Joliet
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060431
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0010583550
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Mitchell Accounting Ltd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 1037
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HOMEWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060430
ReturnHeader/PreparerPersonGrp/PhoneNum07089571183
ReturnHeader/PreparerPersonGrp/PreparationDt02022-03-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Martin J Mitchell
ReturnHeader/ReturnTs02022-03-12T13:55:29-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Robert Surinak
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Treasurer
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$8,610,790
Liabilities
$7,885,300
Net assets
$725,490
Revenue
$195,288
Expenses
$175,931
Net income
$19,357
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.93$7.04$0.89$0.33$0.30$0.03
2024Detailed filing. Detailed filing data is available for this year.$7.42$6.56$0.86$0.32$0.24$0.08
2023Detailed filing. Detailed filing data is available for this year.$7.68$6.90$0.78$0.28$0.23$0.04
2022Detailed filing. Detailed filing data is available for this year.$8.74$8.00$0.74$0.22$0.20$0.02
2021Detailed filing. Detailed filing data is available for this year.$8.61$7.89$0.73$0.20$0.18$0.02
2020Detailed filing. Detailed filing data is available for this year.$7.63$6.93$0.71$0.22$0.21$0.01
2019Detailed filing. Detailed filing data is available for this year.$6.69$6.00$0.69$0.23$0.19$0.03
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2021 filings • 501(c)14 • $5M-$10M nonprofits