Civic Intelligence

College & University Credit Union

EIN 36-6191374 • 501(c)14 • Chicago, IL

Profile

Credit union providing savings and loan services to members per charter.

1901 West CarrollChicago, IL 60612

n/A

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.88x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

86th percentile

20.35x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

87th percentile

22%

Higher net margin than 87% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Asset Growth

69th percentile

-3.2%

Faster asset growth than 69% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

82nd percentile

10%

Faster revenue growth than 82% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Down

$1,227,660

Down $40,815 (-3.2%) from 2023

Liabilities

Down

$1,080,212

Down $52,295 (-4.6%) from 2023

Net Assets

Up

$147,448

Up $11,480 (+8.4%) from 2023

Revenue

Up

$53,072

Up $4,973 (+10%) from 2023

Expenses

Up

$41,592

Up $3,158 (+8.2%) from 2023

Net Income

Up

$11,480

Up $1,815 (+19%) from 2023

Trend Graphs

Balance Sheet Trend

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

$1.5M$1.0M$500K$0Assets 2011: $1,365,288Liabilities 2011: $1,232,574Net Assets 2011: $132,7142011Assets 2012: $1,372,725Liabilities 2012: $1,250,620Net Assets 2012: $122,1052012Assets 2013: $1,346,205Liabilities 2013: $1,224,707Net Assets 2013: $121,4982013Assets 2014: $1,264,102Liabilities 2014: $1,136,447Net Assets 2014: $127,6552014Assets 2015: $1,325,539Liabilities 2015: $1,200,621Net Assets 2015: $124,9182015Assets 2016: $1,111,845Liabilities 2016: $996,020Net Assets 2016: $115,8252016Assets 2017: $1,083,780Liabilities 2017: $967,391Net Assets 2017: $116,3892017Assets 2018: $1,084,046Liabilities 2018: $965,389Net Assets 2018: $118,6572018Assets 2019: $1,090,673Liabilities 2019: $971,408Net Assets 2019: $119,2652019Assets 2020: $1,169,075Liabilities 2020: $1,054,171Net Assets 2020: $114,9042020Assets 2021: $1,240,147Liabilities 2021: $1,117,100Net Assets 2021: $123,0472021Assets 2022: $1,230,941Liabilities 2022: $1,104,638Net Assets 2022: $126,3032022Assets 2023: $1,268,475Liabilities 2023: $1,132,507Net Assets 2023: $135,9682023Assets 2024: $1,227,660Liabilities 2024: $1,080,212Net Assets 2024: $147,4482024

Highlighted filing

2024

Assets$1,227,660
Liabilities$1,080,212
Net Assets$147,448

Operations Trend

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

$60K$40K$20K$0-$20KExpenses 2011: $47,3982011Expenses 2012: $44,4012012Revenue 2013: $32,391Expenses 2013: $32,998Net Income 2013: -$6072013Revenue 2014: $32,770Expenses 2014: $29,281Net Income 2014: $3,4892014Revenue 2015: $29,250Expenses 2015: $31,987Net Income 2015: -$2,7372015Revenue 2016: $26,597Expenses 2016: $35,690Net Income 2016: -$9,0932016Revenue 2017: $30,704Expenses 2017: $30,140Net Income 2017: $5642017Revenue 2018: $34,029Expenses 2018: $31,761Net Income 2018: $2,2682018Revenue 2019: $32,746Expenses 2019: $32,139Net Income 2019: $6072019Revenue 2020: $34,238Expenses 2020: $38,598Net Income 2020: -$4,3602020Revenue 2021: $39,974Expenses 2021: $31,831Net Income 2021: $8,1432021Revenue 2022: $35,080Expenses 2022: $31,823Net Income 2022: $3,2572022Revenue 2023: $48,099Expenses 2023: $38,434Net Income 2023: $9,6652023Revenue 2024: $53,072Expenses 2024: $41,592Net Income 2024: $11,4802024

Highlighted filing

2024

Revenue$53,072
Expenses$41,592
Net Income$11,480

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.23$1.08$0.15$0.05$0.04$0.01
2023Detailed filing. Detailed filing data is available for this year.$1.27$1.13$0.14$0.05$0.04$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.23$1.10$0.13$0.04$0.03$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.24$1.12$0.12$0.04$0.03$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.17$1.05$0.11$0.03$0.04$0.00
2019Detailed filing. Detailed filing data is available for this year.$1.09$0.97$0.12$0.03$0.03$0.00
2018Detailed filing. Detailed filing data is available for this year.$1.08$0.97$0.12$0.03$0.03$0.00
2017Detailed filing. Detailed filing data is available for this year.$1.08$0.97$0.12$0.03$0.03$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.11$1.00$0.12$0.03$0.04$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.33$1.20$0.12$0.03$0.03$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.26$1.14$0.13$0.03$0.03$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.35$1.22$0.12$0.03$0.03$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.37$1.25$0.12$0.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.37$1.23$0.13$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.1
Gross Receipts
$53,072
Mission and Program Overview

Mission

Credit union providing savings and loan services to members per charter.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$675,000$725,000▲ $50,000
Cash and Non-Interest-Bearing Accounts$395,729$334,674▼ $61,055
Other Notes and Loans Receivable, Net$191,281$161,617▼ $29,664
Rtn Earn Endowment Incm Other Fnds$135,968$147,448▲ $11,480
Prepaid Expenses and Deferred Charges$1,225$1,229▲ $4
Total Assets$1,268,475$1,227,660▼ $40,815
Other Assets Total$5,240$5,140▼ $100
Liabilities
Escrow Account Liability$1,132,507$1,080,212▼ $52,295
Total Liabilities$1,132,507$1,080,212▼ $52,295
Net Assets / Fund Balance
Total Net Assets Fund Balance$135,968$147,448▲ $11,480
Total Liabilities and Net Assets / Fund Balance$1,268,475$1,227,660▼ $40,815
Compensation and Service Providers

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,609
Investment Income
$35,003
Other Revenue
$460
Change in Net Assets
$11,480
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$41,592
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy$0$0$0$21,780
Office Expenses$0$0$0$7,733
All Other Expenses$0$0$0$6,304
Insurance$0$0$0$2,103
Total Functional Expenses$0$0$0$41,592
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
College & University Credit Union
EIN
36-6191374
Phone
3126144393
Address
1901 WEST CARROLL, CHICAGO, IL 60612

Signing Officer

Name
Kevin J Barrett
Title
President
Phone
3126144393
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kevin J Barrett
Formed
1962
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
7

Preparer

Firm
Thomas N Barrett Jr CPA
Address
13016 Timber Trail, Palos Heights, IL 60463
Preparer
Thomas N Barrett JR CPA
Phone
7085970546
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

Credit union has shareholders

Pt VI, Line 7A

Shareholders elect members of board of directors

Pt VI, Line 11B

Board receives copy of tax return at regular meeting

Form 990, Part IX, Line 24E

DIVIDENDS

Form 990, Part IX, Line 24E

BANK SERVICE FEES

Form 990, Part IX, Line 24E

ASSOCIATION DUES

Raw XML Appendix336 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/AllOtherExpensesGrp/TotalAmt06304
IRS990/BooksInCareOfDetail/PersonNm0KEVIN J BARRETT
IRS990/BooksInCareOfDetail/PhoneNum03127550997
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0208 W KINZIE
IRS990/BooksInCareOfDetail/USAddress/CityNm0CHICAGO
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01962
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
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IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt053072
IRS990/GroupReturnForAffiliatesInd0false
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IRS990/IndoorTanningServicesInd0false
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IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION PROVIDING SAVINGS AND LOAN SERVICES TO MEMBERS PER CHARTER.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0135968
IRS990/NetAssetsOrFundBalancesEOYAmt0147448
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
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IRS990/OccupancyGrp/TotalAmt021780
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IRS990/OfficeExpensesGrp/TotalAmt07733
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05240
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IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
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IRS990/OtherExpensesGrp/Desc2SUPERVISION FEES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
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IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNION HAS SHAREHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SHAREHOLDERS ELECT MEMBERS OF BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD RECEIVES COPY OF TAX RETURN AT REGULAR MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIVIDENDS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BANK SERVICE FEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ASSOCIATION DUES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
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IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KEVIN J BARRETT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03126144393
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COLLEGE & UNIVERSITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COLL
ReturnHeader/Filer/EIN0366191374
ReturnHeader/Filer/PhoneNum03126144393
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0329382405
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Thomas N Barrett Jr CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt013016 Timber Trail
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Palos Heights
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060463
ReturnHeader/PreparerPersonGrp/PhoneNum07085970546
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Thomas N Barrett JR CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-12T17:26:56-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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