Civic Intelligence

Evanston Firemens Credit Union

990 • Fiscal year 2016 • EIN 36-6089357

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 27, 2017

Organization ProfileN/A
702 Madison StEvanston, IL 60202

(847) 866-5920

Siviq Scores

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

Liabilities / Assets

55th percentile

0.84x

Higher debt load relative to assets than 55% of similar nonprofits.

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

Liabilities / Revenue

76th percentile

25.00x

Higher debt load relative to revenue than 76% of similar nonprofits.

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

Net Margin

52nd percentile

3.3%

Higher net margin than 52% of similar nonprofits.

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

Top Officer Pay

36th percentile

$18,000

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 28.7% of source-year revenue.

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

Asset Growth

66th percentile

2.2%

Faster asset growth than 66% of similar nonprofits.

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

Revenue Growth

30th percentile

-5.4%

Faster revenue growth than 30% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets55th percentile

Assets

Down

$1,871,521

Down $104,139 (-5.3%) from 2014

Net Assets

Up

$303,200

Up $14,303 (+5.0%) from 2014

Liabilities

Down

$1,568,321

Down $118,442 (-7.0%) from 2014

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin52nd percentile

Revenue

Down

$62,734

Down $4,410 (-6.6%) from 2014

Expenses

Down

$60,675

Down $6,035 (-9.0%) from 2014

Net Income

Up

$2,059

Up $1,625 (+374%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,672,428Liabilities 2011: $1,388,551Net Assets 2011: $283,8772011Assets 2012: $1,913,381Liabilities 2012: $1,631,248Net Assets 2012: $282,1332012Assets 2013: $2,023,030Liabilities 2013: $1,746,361Net Assets 2013: $276,6692013Assets 2014: $1,975,660Liabilities 2014: $1,686,763Net Assets 2014: $288,8972014Assets 2016: $1,871,521Liabilities 2016: $1,568,321Net Assets 2016: $303,2002016Assets 2017: $1,857,048Liabilities 2017: $1,557,329Net Assets 2017: $299,7192017Assets 2018: $1,884,671Liabilities 2018: $1,578,277Net Assets 2018: $306,3942018Assets 2019: $2,110,258Liabilities 2019: $1,800,122Net Assets 2019: $310,1362019Assets 2020: $2,380,829Liabilities 2020: $2,066,389Net Assets 2020: $314,4402020Assets 2021: $2,401,306Liabilities 2021: $2,085,843Net Assets 2021: $315,4632021Assets 2022: $2,458,268Liabilities 2022: $2,141,495Net Assets 2022: $316,7732022

Highlighted filing

2016

Assets$1,871,521
Liabilities$1,568,321
Net Assets$303,200
Open 2016 Filing

Operations Trend

Revenue Growth30th percentile

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

$80K$60K$40K$20K$0-$20KExpenses 2011: $65,4132011Expenses 2012: $63,3712012Revenue 2013: $67,802Expenses 2013: $64,274Net Income 2013: $3,5282013Revenue 2014: $67,144Expenses 2014: $66,710Net Income 2014: $4342014Revenue 2016: $62,734Expenses 2016: $60,675Net Income 2016: $2,0592016Revenue 2017: $53,676Expenses 2017: $58,206Net Income 2017: -$4,5302017Revenue 2018: $72,663Expenses 2018: $65,988Net Income 2018: $6,6752018Revenue 2019: $65,398Expenses 2019: $61,656Net Income 2019: $3,7422019Revenue 2020: $61,257Expenses 2020: $56,953Net Income 2020: $4,3042020Revenue 2021: $50,067Expenses 2021: $49,044Net Income 2021: $1,0232021Revenue 2022: $52,291Expenses 2022: $50,981Net Income 2022: $1,3102022

Highlighted filing

2016

Revenue$62,734
Expenses$60,675
Net Income$2,059
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 27, 2017
Return Version
2016v3.0
Gross Receipts
$62,734
Mission and Program Overview

Mission

To provide qualifying members low cost loans and accounts with annual dividends and interest.

The two main purposes of the Evanston Firemen's Credit Union are to provide share (savings)accounts with annual dividends (interest) and to make low cost, convenient loans available to those members that qualify.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$876,420$1,103,481▲ $227,061
Other Notes and Loans Receivable, Net$503,456$429,704▼ $73,752
Cash and Non-Interest-Bearing Accounts$363,237$262,043▼ $101,194
Receivables From Officers Etc$62,789$58,593▼ $4,196
Savings and Temporary Cash Investments$5,908$435▼ $5,473
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$1,830,439$1,871,521▲ $41,082
Other Assets Total$18,629$17,265▼ $1,364
Liabilities
Other Liabilities$1,537,358$1,568,321▲ $30,963
Total Liabilities$1,537,358$1,568,321▲ $30,963
Net Assets / Fund Balance
Unrestricted Net Assets$293,081$303,200▲ $10,119
Total Net Assets Fund Balance$293,081$303,200▲ $10,119
Total Liabilities and Net Assets / Fund Balance$1,830,439$1,871,521▲ $41,082
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Guy BoliauxTreasurerPT$18,000$18,000

Board Members and Trustees

NameTitle
David ArreguinChair
Martin RafaczVice Chair
Courtney EdwardsBoard Member
John HaglundBoard Member
Justin NorrisBoard Member
Kyle ZarembaBoard Member
Michael AndersonBoard Member
Deron DaughertySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$49,033
Investment Income
$13,701
Other Revenue
$0
Change in Net Assets
$2,059
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$41,892
Salaries, Compensation, and Employee Benefits$18,783
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---$18,000
All Other Expenses---$3,905
Other Expenses---$2,582
Office Expenses---$1,920
Payroll Taxes---$783
Total Functional Expenses$0$0$0$60,675
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$62,789$58,593▼ $4,196
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Memeber Shares$1,530,216
Other Liability$38,105
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“The Treasurer reviews the 990 and, if necessary, the Board President. At the next board meeting, the 990 is presented and reviewed by the entire board. Questions are discussed and the appropriate changes, if any, are made before approval.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The Organization provides a stipend to the Treasurer on a yearly basis that is calculated as 20% of net income. The specific amount is reviewed and approved by the Board on annually.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The Organization makes is governing documents available to the public upon request in accordance with the Freedom of Information Act.”

Filing and Contact Details

Filer

Filer Name
Evanston Firemens Credit Union
EIN
36-6089357
Phone
8478665920
Address
702 MADISON ST, EVANSTON, IL 60202

Signing Officer

Name
Guy Boliaux
Title
Treasurer
Signed
2017-10-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Arreguin
Formed
1940
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
8
Employees
0

Preparer

Firm
Knutte & Associates Pc
Address
7900 S CASS AVE STE 210, DARIEN, IL 60561-5066
Preparer
Joseph Knutte CPA
Phone
6309603317
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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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IRS990/SavingsAndTempCashInvstGrp/BOYAmt05908
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0435
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01530216
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt138105
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMEBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER LIABILITY
IRS990ScheduleD/TotalLiabilityAmt01568321
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Treasurer reviews the 990 and, if necessary, the Board President. At the next board meeting, the 990 is presented and reviewed by the entire board. Questions are discussed and the appropriate changes, if any, are made before approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Organization provides a stipend to the Treasurer on a yearly basis that is calculated as 20% of net income. The specific amount is reviewed and approved by the Board on annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Organization makes is governing documents available to the public upon request in accordance with the Freedom of Information Act.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01830439
IRS990/TotalAssetsEOYAmt01871521
IRS990/TotalAssetsGrp/BOYAmt01830439
IRS990/TotalAssetsGrp/EOYAmt01871521
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt060675
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01537358
IRS990/TotalLiabilitiesEOYAmt01568321
IRS990/TotalLiabilitiesGrp/BOYAmt01537358
IRS990/TotalLiabilitiesGrp/EOYAmt01568321
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0293081
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0303200
IRS990/TotalProgramServiceExpensesAmt023808
IRS990/TotalProgramServiceRevenueAmt049033
IRS990/TotalReportableCompFromOrgAmt018000
IRS990/TotalRevenueGrp/ExclusionAmt062734
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt062734
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01830439
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01871521
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0293081
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0303200
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0702 MADISON ST
IRS990/USAddress/CityNm0EVANSTON
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060202
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0GUY BOLIAUX
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Evanston Firemens Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0EVAN
ReturnHeader/Filer/EIN0366089357
ReturnHeader/Filer/PhoneNum08478665920
ReturnHeader/Filer/USAddress/AddressLine1Txt0702 MADISON ST
ReturnHeader/Filer/USAddress/CityNm0EVANSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060202
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KNUTTE & ASSOCIATES PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07900 S CASS AVE STE 210
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DARIEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0605615066
ReturnHeader/PreparerPersonGrp/PhoneNum06309603317
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSEPH KNUTTE CPA
ReturnHeader/ReturnTs02017-10-27T14:14:42-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$1,871,521
Liabilities
$1,568,321
Net assets
$303,200
Revenue
$62,734
Expenses
$60,675
Net income
$2,059
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.46$2.14$0.32$0.05$0.05$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.40$2.09$0.32$0.05$0.05$0.00
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.38$2.07$0.31$0.06$0.06$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.11$1.80$0.31$0.07$0.06$0.00
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.88$1.58$0.31$0.07$0.07$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.86$1.56$0.30$0.05$0.06$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.87$1.57$0.30$0.06$0.06$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.98$1.69$0.29$0.07$0.07$0.00
2013Detailed filing. Detailed filing data is available for this year.$2.02$1.75$0.28$0.07$0.06$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.91$1.63$0.28$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.67$1.39$0.28$0.07
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $1M-$5M nonprofits