Civic Intelligence

B a E Credit Union

EIN 36-6108102 • 501(c)14

View Organization Page

Profile

Credit union operated for mutual purposes

616 W Main Street60010

www.baecu220.com

Siviq Scores

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

Liabilities / Assets

84th percentile

0.91x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

98th percentile

35.81x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

26th percentile

1.5%

Higher net margin than 26% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

99th percentile

$1,262,245

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 127.7% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

52nd percentile

1.0%

Faster asset growth than 52% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$38,910,441

Up $378,353 (+1.0%) from 2012

Liabilities

Up

$35,403,045

Up $363,621 (+1.0%) from 2012

Net Assets

Up

$3,507,396

Up $14,732 (+0.4%) from 2012

Operations
Liabilities / Revenue98th percentileNet Margin26th percentile

Revenue

$988,657

No earlier filing loaded for comparison.

Expenses

Up

$973,925

Up $114,256 (+13%) from 2012

Net Income

$14,732

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth52nd percentile

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

$40M$30M$20M$10M$0Assets 2010: $34,567,894Liabilities 2010: $31,361,722Net Assets 2010: $3,206,1722010Assets 2011: $36,614,564Liabilities 2011: $33,300,035Net Assets 2011: $3,314,5292011Assets 2012: $38,532,088Liabilities 2012: $35,039,424Net Assets 2012: $3,492,6642012Assets 2013: $38,910,441Liabilities 2013: $35,403,045Net Assets 2013: $3,507,3962013

Highlighted filing

2013

Assets$38,910,441
Liabilities$35,403,045
Net Assets$3,507,396
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0Expenses 2010: $1,173,8922010Expenses 2011: $985,7382011Expenses 2012: $859,6692012Revenue 2013: $988,657Expenses 2013: $973,925Net Income 2013: $14,7322013

Highlighted filing

2013

Revenue$988,657
Expenses$973,925
Net Income$14,732
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$38,910,441
Liabilities
$35,403,045
Net assets
$3,507,396
Revenue
$988,657
Expenses
$973,925
Net income
$14,732
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$38.9$35.4$3.51$0.99$0.97$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.5$35.0$3.49$0.86
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.6$33.3$3.31$0.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.6$31.4$3.21$1.17
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 25, 2014
Return Version
2013v3.1
Gross Receipts
$988,657
Mission and Program Overview

Mission

Credit union operated for mutual purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$13,892,793$20,172,793▲ $6,280,000
Savings and Temporary Cash Investments$12,700,467$11,325,693▼ $1,374,774
Other Notes and Loans Receivable, Net$7,136,255$6,441,028▼ $695,227
Rtn Earn Endowment Incm Other Fnds$3,492,664$3,507,396▲ $14,732
Cash and Non-Interest-Bearing Accounts$477,431$498,763▲ $21,332
Receivables From Officers Etc$154,869$75,140▼ $79,729
Prepaid Expenses and Deferred Charges$27,111$14,054▼ $13,057
Land, Buildings, and Equipment, Net$9,515$5,427▼ $4,088
Total Assets$38,532,088$38,910,441▲ $378,353
Other Assets Total$4,133,647$377,543▼ $3,756,104
Liabilities
Other Liabilities$34,183,050$35,335,128▲ $1,152,078
Accounts Payable and Accrued Expenses$856,374$67,917▼ $788,457
Total Liabilities$35,039,424$35,403,045▲ $363,621
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,492,664$3,507,396▲ $14,732
Total Liabilities and Net Assets / Fund Balance$38,532,088$38,910,441▲ $378,353

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,427$467,855$473,282
Investment Program Related Org$244,793--
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bonnie M SolteszTreasurer/presidentFT$1,250,145$12,100$1,262,245
Bonnie M Soltesz--$150,671$1,111,574$1,262,245
Linda StaszakVice-presidentFT$84,073$11,832$95,905

Board Members and Trustees

NameTitle
Steven J UnderwoodChairperson
Erica ChristianVice Chairperson
Joseph RupschBoard Member
Mark DomanicoBoard Member
Sally KretchmerBoard Member
Sandra KramerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$594,171
Investment Income
$322,439
Other Revenue
$72,047
Change in Net Assets
$14,732

Audited Revenue Reconciliation

Revenue per Audited Statements
$988,657
Total Revenue per Audited Statements
$988,657
Total Revenue per Form 990
$988,657
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$516,772
Salaries, Compensation, and Employee Benefits$457,153
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$206,454--$206,454
Current Officers, Directors, Trustees, and Key Employees$162,770--$162,770
Office Expenses$47,762--$47,762
Payroll Taxes$41,535--$41,535
Information Technology$38,848--$38,848
Interest$29,560--$29,560
Other Employee Benefits$24,703--$24,703
Pension Plan Contributions$21,691--$21,691
Insurance$14,707--$14,707
Fees for Services Accounting$9,300--$9,300
Conferences and Meetings$7,444--$7,444
Advertising$4,114--$4,114
Depreciation Depletion$4,088--$4,088
Other Expenses$439--$439
Fees for Services Legal$-159--$-159
Total Functional Expenses$973,925$0$0$973,925

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$973,925
Total Expenses per Audited Statements$973,925
Total Expenses per Form 990$973,925
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$154,869$75,140▼ $79,729
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$27,441,250
Share Drafts$4,908,699
Certificates of Deposit$1,557,243
Ira Accounts$1,395,945
Christmas Club$24,013
Spring Break Savings$7,978
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
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
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

EIN
36-6108102
Phone
8473813233

Signing Officer

Name
Bonnie M Soltesz
Title
President
Phone
8473813233
Signed
2014-03-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bonnie M Soltesz
Formed
1956
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
6
Employees
5
Volunteers
6

Preparer

Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 4

“Bylaws were updated to change number of board members from 9 to 7.”

Pt VI, Line 6

“The organization is a member-owned, not-for-profit credit union”

Pt VI, Line 7A

“The members of the credit union elect the board of directors”

Pt VI, Line 7A

“AT THEIR ANNUAL MEETING.”

Pt VI, Line 11B

“The president of the credit union reviews the 990 prior to filing.”

Raw XML AppendixShowing 400 of 478 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt51557243
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CHRISTMAS CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SPRING BREAK SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5CERTIFICATES OF DEPOSIT
IRS990ScheduleD/RevenueSubtotalAmt0988657
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05427
IRS990ScheduleD/TotalBookValueProgramRltdAmt020172793
IRS990ScheduleD/TotalExpensesPerForm990Amt0973925
IRS990ScheduleD/TotalLiabilityAmt035335128
IRS990ScheduleD/TotalRevenuePerForm990Amt0988657
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0988657
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0973925
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0150671
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt012100
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt01099474
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BONNIE M SOLTESZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt01262245
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0BONNIE SOLTESZ RECEIVED 457(f) PAYMENT OF $1,099,474.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt I Line 4b
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt014378
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13410
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21727
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt310756
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt421335
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5564
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt610646
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt750
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt811733
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt9541
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt025000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt115000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt210000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt317925
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt422500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt52500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt650000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt710000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt880000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt95000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt107500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JOSEPH RUPSCH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1SALLY KRETCHMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2STEVE UNDERWOOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3MARK DOMANICO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4MARK DOMANICO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5MARK DOMANICO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6BONNIE SOLTESZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7BONNIE SOLTESZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8LINDA STASZAK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9LINDA STASZAK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10SANDRA KRAMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6PRES/TREAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7PRES/TREAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8VICE PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9VICE PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10SECRETARY
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd10true
IRS990ScheduleL/TotalBalanceDueAmt075140
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BYLAWS WERE UPDATED TO CHANGE NUMBER OF BOARD MEMBERS FROM 9 TO 7.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION IS A MEMBER-OWNED, NOT-FOR-PROFIT CREDIT UNION

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