Civic Intelligence

Oak Trust Credit Union

EIN 36-6111536 • 501(c)14 • Plainfield, IL

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Profile

Oak Trust Credit Union is a cooperative, not-for-profit financial institution organized to promote thrift and provide financial products and services to members.

12251 S Route 59Plainfield, IL 60585

www.oaktrust.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2016

Liabilities / Revenue

26th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Net Margin

11th percentile

-52%

Higher net margin than 11% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

24th percentile

-100%

Faster asset growth than 24% of similar nonprofits.

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

Revenue Growth

11th percentile

-50%

Faster revenue growth than 11% of similar nonprofits.

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

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $46,375,818 (-100%) from 2015

Liabilities

Down

$0

Down $37,393,197 (-100%) from 2015

Net Assets

Down

$0

Down $8,982,621 (-100%) from 2015

Operations
Liabilities / Revenue26th percentileNet Margin11th percentile

Revenue

Down

$1,088,683

Down $1,088,198 (-50%) from 2015

Expenses

Down

$1,657,085

Down $446,083 (-21%) from 2015

Net Income

Down

-$568,402

Down $642,115 (-871%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth24th percentile

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

$80M$60M$40M$20M$0Assets 2010: $69,977,439Liabilities 2010: $61,808,123Net Assets 2010: $8,169,3162010Assets 2011: $64,137,088Liabilities 2011: $55,919,590Net Assets 2011: $8,217,4982011Assets 2012: $67,697,795Liabilities 2012: $59,246,849Net Assets 2012: $8,450,9462012Assets 2013: $44,873,792Liabilities 2013: $35,844,723Net Assets 2013: $9,029,0692013Assets 2014: $44,169,616Liabilities 2014: $35,311,911Net Assets 2014: $8,857,7052014Assets 2015: $46,375,818Liabilities 2015: $37,393,197Net Assets 2015: $8,982,6212015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2016

Assets$0
Liabilities$0
Net Assets$0
Open 2016 Filing

Operations Trend

Revenue Growth11th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $5,007,2462010Expenses 2011: $4,067,1552011Expenses 2012: $3,789,5042012Revenue 2013: $3,644,932Expenses 2013: $2,677,657Net Income 2013: $967,2752013Revenue 2014: $1,748,174Expenses 2014: $2,118,640Net Income 2014: -$370,4662014Revenue 2015: $2,176,881Expenses 2015: $2,103,168Net Income 2015: $73,7132015Revenue 2016: $1,088,683Expenses 2016: $1,657,085Net Income 2016: -$568,4022016

Highlighted filing

2016

Revenue$1,088,683
Expenses$1,657,085
Net Income-$568,402
Open 2016 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,088,683
Expenses
$1,657,085
Net income
-$568,402
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.09$1.66$0.57
2015Detailed filing. Detailed filing data is available for this year.$46.4$37.4$8.98$2.18$2.10$0.07
2014Detailed filing. Detailed filing data is available for this year.$44.2$35.3$8.86$1.75$2.12$0.37
2013Detailed filing. Detailed filing data is available for this year.$44.9$35.8$9.03$3.64$2.68$0.97
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.7$59.2$8.45$3.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.1$55.9$8.22$4.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.0$61.8$8.17$5.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 10, 2017
Return Version
2016v3.0
Gross Receipts
$1,088,683
Mission and Program Overview

Mission

Oak Trust Credit Union is a cooperative, not-for-profit financial institution organized to promote thrift and provide financial products and services to members.

Oak trust credit union is a coopertive not-for-profit financial institution organized to provide thrift and provide financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$32,685,030$0▼ $32,685,030
Rtn Earn Endowment Incm Other Fnds$8,982,621$0▼ $8,982,621
Savings and Temporary Cash Investments$3,500,704$0▼ $3,500,704
Investments in Publicly Traded Securities$2,375,545$0▼ $2,375,545
Investments Other Securities$2,016,496$0▼ $2,016,496
Land, Buildings, and Equipment, Net$1,693,395$0▼ $1,693,395
Prepaid Expenses and Deferred Charges$579,843$0▼ $579,843
Cash and Non-Interest-Bearing Accounts$195,345$0▼ $195,345
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$46,375,818$0▼ $46,375,818
Other Assets Total$3,329,460$0▼ $3,329,460
Liabilities
Other Liabilities$34,851,476$0▼ $34,851,476
Mortgage Notes Payable Secured by Investment Property$2,000,000$0▼ $2,000,000
Accounts Payable and Accrued Expenses$541,721$0▼ $541,721
Total Liabilities$37,393,197$0▼ $37,393,197
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,982,621$0▼ $8,982,621
Total Liabilities and Net Assets / Fund Balance$46,375,818$0▼ $46,375,818
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
James DeanPresidentFT$98,880$276,390$375,270

Board Members and Trustees

NameTitle
Jim BrozChair
Dan AloiaVice Chair
Brian DolanDirector
Tim KeefeDirector
Vernon LaviaDirector
Kevin MenzerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,049,217
Investment Income
$39,466
Other Revenue
$0
Change in Net Assets
$-568,402
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,028,215
Salaries, Compensation, and Employee Benefits$628,870
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$557,764--$557,764
Office Expenses$267,115--$267,115
Advertising$65,256--$65,256
Information Technology$45,187--$45,187
Occupancy$42,937--$42,937
Depreciation Depletion$35,862--$35,862
Payroll Taxes$35,399--$35,399
Other Employee Benefits$35,282--$35,282
Fees for Services Other$22,999--$22,999
Travel$22,114--$22,114
Interest$3,308--$3,308
Fees for Services Legal$2,175--$2,175
Fees for Services Accounting$550--$550
Pension Plan Contributions$425--$425
Other Expenses$-57,256--$-57,256
Total Functional Expenses$1,657,085$0$0$1,657,085
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
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 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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization's share depositors are considered members”

Form 990, Part VI, Section A, Line 7A

“Oak trust's membership elect the members of the governing body.”

Form 990, Part VI, Section A, Line 7B

“Member approval is required for a merger with another credit union.”

Form 990, Part VI, Section B, Line 11B

“The president of the organization assists in the preparation of the 990 and reviews the final prepared form completed by an outside cpa firm.”

Form 990, Part VI, Section B, Line 12C

“All insiders of the credit union have an obligation at all times to promote the credit union's best interests. The credit union's code of ethics policy requires that all personnel avoid any situation, which does or may involve a conflict, or appearance of conflict, between their personal interests and the interests of the credit union. All insiders of the credit union must sign and update their conflict of interest when hired and annually thereafter.”

Form 990, Part VI, Section B, Line 15

“Compensation for all positions is approved annually by the board of directors through the budgetary process.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its financial statements available by posting the statements each month in the lobby of each branch and annually in the member newsletter.”

Filing and Contact Details

Filer

Filer Name
Oak Trust Credit Union
EIN
36-6111536
Phone
8002326728
Address
12251 S ROUTE 59, PLAINFIELD, IL 60585

Signing Officer

Name
James Dean
Title
President
Phone
8002326728
Signed
2017-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Dean
Formed
1964
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
6
Employees
9
Volunteers
10

Preparer

Firm
Selden Fox Ltd
Address
619 ENTERPRISE DRIVE, OAK BROOK, IL 60523-8835
Preparer
Paul J Rozek
Phone
6309541400
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Merger activity -8,400,557.”

Raw XML AppendixShowing 400 of 473 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/PersonNm1TIM KEEFE
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IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02120563
IRS990/PYRevenuesLessExpensesAmt073713
IRS990/PYSalariesCompEmpBnftPaidAmt0844058
IRS990/PYTotalExpensesAmt02103168
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02176881
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-568402
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08982621
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03500704
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt098880
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0250000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt06391
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt019999
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JAMES DEAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0375270
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0JAMES DEAN - 125,000
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4A
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/AttorneyGeneralNotifiedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd01
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0CASH AND CASH EQUIVALENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc1INVESTMENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc2ACCOUNTS RECEIVABLE, NET
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc3PREPAID EXPENSES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc4FIXED ASSETS, NET OF ACCUMULATED DEPRECIATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc5OTHER ASSETS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0NORTHSTAR CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt1NORTHSTAR CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt2NORTHSTAR CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt3NORTHSTAR CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt4NORTHSTAR CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt5NORTHSTAR CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02016-06-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt12016-06-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt22016-06-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt32016-06-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt42016-06-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt52016-06-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0237113418
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN1237113418
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN2237113418
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN3237113418
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN4237113418
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN5237113418
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt02919590
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt11515095
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt233646357
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt3614607
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt41642187
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt53737316
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt3501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt4501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt5501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt3BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt4BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt5BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt03 S 555 WINFIELD ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt13 S 555 WINFIELD ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt23 S 555 WINFIELD ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt33 S 555 WINFIELD ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt43 S 555 WINFIELD ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt53 S 555 WINFIELD ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0WARRENVILLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1WARRENVILLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2WARRENVILLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm3WARRENVILLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm4WARRENVILLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm5WARRENVILLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd3IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd4IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd5IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd060555
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd160555
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd260555
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd360555
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd460555
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd560555
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd01
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0PERSON(S) INVOLVED: JAMES DEANDAN ALOIAJIM BROZTIM KEEFEKEVIN MENZER
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1EXPLANATION OF INVOLVEMENT: JAMES DEAN BECAME AN EMPLOYEE OF THE TRANSFEREE ORGANIZATION AND WAS ENTITLED TO A $125,000 BONUS AS A RESULT OF THE CHANGE IN CONTROLDAN ALOIA, JIM BROZ, TIM KEEFE AND KEVIN MENZER EACH BECAME A TRUSTEE OF THE TRANSFEREE ORGANIZATION
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2E:
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 2E:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION'S SHARE DEPOSITORS ARE CONSIDERED MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1OAK TRUST'S MEMBERSHIP ELECT THE MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBER APPROVAL IS REQUIRED FOR A MERGER WITH ANOTHER CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT OF THE ORGANIZATION ASSISTS IN THE PREPARATION OF THE 990 AND REVIEWS THE FINAL PREPARED FORM COMPLETED BY AN OUTSIDE CPA FIRM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL INSIDERS OF THE CREDIT UNION HAVE AN OBLIGATION AT ALL TIMES TO PROMOTE THE CREDIT UNION'S BEST INTERESTS. THE CREDIT UNION'S CODE OF ETHICS POLICY REQUIRES THAT ALL PERSONNEL AVOID ANY SITUATION, WHICH DOES OR MAY INVOLVE A CONFLICT, OR APPEARANCE OF CONFLICT, BETWEEN THEIR PERSONAL INTERESTS AND THE INTERESTS OF THE CREDIT UNION. ALL INSIDERS OF THE CREDIT UNION MUST SIGN AND UPDATE THEIR CONFLICT OF INTEREST WHEN HIRED AND ANNUALLY THEREAFTER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION FOR ALL POSITIONS IS APPROVED ANNUALLY BY THE BOARD OF DIRECTORS THROUGH THE BUDGETARY PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION MAKES ITS FINANCIAL STATEMENTS AVAILABLE BY POSTING THE STATEMENTS EACH MONTH IN THE LOBBY OF EACH BRANCH AND ANNUALLY IN THE MEMBER NEWSLETTER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MERGER ACTIVITY -8,400,557.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt046375818
IRS990/TotalAssetsEOYAmt00

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