Civic Intelligence

Champaign Postal Credit Union

EIN 37-0213150 • 501(c)14 • Champaign, IL

Profile

Encourage and facilitate savings and provide low cost credit to members.

PO Box 3637Champaign, IL 61826

www.champaignpostalcu.com

Siviq Scores

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

Liabilities / Assets

58th percentile

0.83x

Higher debt load relative to assets than 58% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

88th percentile

25.93x

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

501(c)14 • $1M-$5M nonprofits • Source year 2018

Net Margin

18th percentile

-34%

Higher net margin than 18% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

29th percentile

-15%

Faster asset growth than 29% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

58th percentile

3.5%

Faster revenue growth than 58% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Assets

Down

$2,200,013

Down $382,025 (-15%) from 2017

Liabilities

Down

$1,825,291

Down $357,822 (-16%) from 2017

Net Assets

Down

$374,722

Down $24,203 (-6.1%) from 2017

Revenue

Up

$70,382

Up $2,375 (+3.5%) from 2017

Expenses

Down

$94,073

Down $8,877 (-8.6%) from 2017

Net Income

Up

-$23,691

Up $11,252 (+32%) from 2017

Trend Graphs

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2010: $1,700,290Liabilities 2010: $1,225,715Net Assets 2010: $474,5752010Assets 2011: $1,926,782Liabilities 2011: $1,451,690Net Assets 2011: $475,0922011Assets 2012: $2,222,954Liabilities 2012: $1,746,049Net Assets 2012: $476,9052012Assets 2013: $2,638,108Liabilities 2013: $2,155,473Net Assets 2013: $482,6352013Assets 2014: $2,480,347Liabilities 2014: $2,033,437Net Assets 2014: $446,9102014Assets 2015: $2,503,356Liabilities 2015: $2,053,509Net Assets 2015: $449,8472015Assets 2016: $2,367,872Liabilities 2016: $1,937,248Net Assets 2016: $430,6242016Assets 2017: $2,582,038Liabilities 2017: $2,183,113Net Assets 2017: $398,9252017Assets 2018: $2,200,013Liabilities 2018: $1,825,291Net Assets 2018: $374,7222018

Highlighted filing

2018

Assets$2,200,013
Liabilities$1,825,291
Net Assets$374,722

Operations Trend

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

$150K$100K$50K$0-$50KExpenses 2010: $72,8372010Expenses 2011: $73,9952011Expenses 2012: $76,6492012Revenue 2013: $85,654Expenses 2013: $79,924Net Income 2013: $5,7302013Revenue 2014: $78,585Expenses 2014: $114,310Net Income 2014: -$35,7252014Revenue 2015: $66,209Expenses 2015: $63,272Net Income 2015: $2,9372015Revenue 2016: $65,945Expenses 2016: $85,168Net Income 2016: -$19,2232016Revenue 2017: $68,007Expenses 2017: $102,950Net Income 2017: -$34,9432017Revenue 2018: $70,382Expenses 2018: $94,073Net Income 2018: -$23,6912018

Highlighted filing

2018

Revenue$70,382
Expenses$94,073
Net Income-$23,691

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 8, 2019
Return Version
2018v3.0
Gross Receipts
$70,382
Mission and Program Overview

Mission

To encourage and facilitate savings and to provide low cost credit for members.

To encourage and facilitate savings and to provide low cost credit to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,342,540$1,195,469▼ $147,071
Savings and Temporary Cash Investments$1,038,836$847,081▼ $191,755
Rtn Earn Endowment Incm Other Fnds$398,925$374,722▼ $24,203
Receivables From Officers Etc$105,834$90,712▼ $15,122
Cash and Non-Interest-Bearing Accounts$59,697$32,713▼ $26,984
Investments Program Related$3,500$3,500→ $0
Prepaid Expenses and Deferred Charges$5,332$2,158▼ $3,174
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0--
Loans From Officers Directors$0$0→ $0
Total Assets$2,582,038$2,200,013▼ $382,025
Other Assets Total$26,299$28,380▲ $2,081
Liabilities
Other Liabilities$2,183,081$1,825,254▼ $357,827
Accounts Payable and Accrued Expenses$32$37▲ $5
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$2,183,113$1,825,291▼ $357,822
Net Assets / Fund Balance
Total Net Assets Fund Balance$398,925$374,722▼ $24,203
Total Liabilities and Net Assets / Fund Balance$2,582,038$2,200,013▼ $382,025
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kathleen BurrAssistant ManagerPT$10,252$500$10,752
Bobbie IsaacsSecretary, Assistant ManagerPT$7,291$500$7,791
Teresa HittTellerPT$7,323$250$7,573

Board Members and Trustees

NameTitle
Robert Bretz JrChairman
Roxanna KeyesChairman
Gordon SchrieferCredit Committee Chair
Lee TempleCredit Committee Chair
Melissa CrutchleyMembership Committee Chair
Douglas WiggersSupervisory Committee Chair
Atha WinstonVice Chairman, Membership Committee Chair
Michael HicksCredit Committee
John DoddsSecretary, Credit Committee Member
Edward WarnsSupervisory Committee
Richard WilsonSupervisory Committee
Bruce SchneierTreasurer, Manager
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$60,542
Investment Income
$9,840
Other Revenue
$0
Change in Net Assets
$-23,691
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$65,699
Salaries, Compensation, and Employee Benefits$28,374
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---$26,116
Office Expenses---$14,502
Other Expenses---$5,828
Fees for Services Accounting---$3,500
Insurance---$3,218
Payroll Taxes---$2,258
Conferences and Meetings---$1,848
Occupancy---$1,687
All Other Expenses---$384
Depreciation Depletion---$233
Fees for Services Lobbying---$62
Total Functional Expenses$0$0$0$94,073
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 Officers, Directors, Trustees, and Key Employees$105,834$90,712▼ $15,122
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Equity Accounts$1,825,254
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Conflict-of-interest policy
No
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

Form 990, Part VI, Section A, Line 6 - There are members.

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

Form 990, Part VI, Section A, Line 7a - Directors are elected by members.

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

Form 990, Part VI, Section A, Line 7b - Amendments to by-laws are subject to member votes.

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

Form 990, Part VI, Section B, Line 11b - The Form 990 is completed by the manager and then presented to the Board for review.

Form 990, Part VI, Section C, Line 19

Form 990, Part VI, Section C, Line 19 - Financial statements are posted in the credit union office. The Board meeting minutes are available upon request.

Filing and Contact Details

Filer

Filer Name
Champaign Postal Credit Union
EIN
37-0213150
Phone
2173986086
Address
PO Box 3637, Champaign, IL 61826

Signing Officer

Name
Kathleen Burr
Title
Manager
Phone
2173986086
Signed
2019-05-08

Organization Details

Principal Officer
Bruce Schneier
Formed
1931
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
3
Volunteers
9
Raw XML AppendixShowing 400 of 785 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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IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01687
IRS990/OfficeExpensesGrp/TotalAmt014502
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt026299
IRS990/OtherAssetsTotalGrp/EOYAmt028380
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Dividend Expense
IRS990/OtherExpensesGrp/Desc1Operating Fees
IRS990/OtherExpensesGrp/Desc2Loan Servicing/Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc3Miscellaneous
IRS990/OtherExpensesGrp/TotalAmt011581
IRS990/OtherExpensesGrp/TotalAmt12374
IRS990/OtherExpensesGrp/TotalAmt220482
IRS990/OtherExpensesGrp/TotalAmt35828
IRS990/OtherLiabilitiesGrp/BOYAmt02183081
IRS990/OtherLiabilitiesGrp/EOYAmt01825254
IRS990/OtherRevenueTotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01342540
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01195469
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt02258
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05332
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02158
IRS990/PrincipalOfficerNm0Bruce Schneier
IRS990/PriorPeriodAdjustmentsAmt0-512
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/BusinessCd4522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Income
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Gift Card Income
IRS990/ProgramServiceRevenueGrp/Desc3Credit Card Income
IRS990/ProgramServiceRevenueGrp/Desc4Miscellaneous Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt056619
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13719
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt232
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3150
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt422
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt056619
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13719
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt232
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3150
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt422
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt08775
IRS990/PYOtherExpensesAmt072808
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt059232
IRS990/PYRevenuesLessExpensesAmt0-34943
IRS990/PYSalariesCompEmpBnftPaidAmt030142
IRS990/PYTotalExpensesAmt0102950
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt068007
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0105834
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt090712
IRS990/ReconcilationRevenueExpnssAmt0-23691
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt070382
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0398925
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0374722
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01038836
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0847081
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01825254
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Equity Accounts
IRS990ScheduleD/TotalLiabilityAmt01825254
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt80
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt910252
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt107323
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt110
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt127291
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt130
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt140
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount80
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount9500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10250
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount110
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount12500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount130
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount140
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00

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