Civic Intelligence

Champaign Postal Credit Union

990 • Fiscal year 2013 • EIN 37-0213150

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 31, 2014

Organization Profilewww.champaignpostalcu.com
PO Box 363761826-3637

(217) 398-6086

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.82x

Higher debt load relative to assets than 43% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

80th percentile

25.16x

Higher debt load relative to revenue than 80% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

69th percentile

6.7%

Higher net margin than 69% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

29th percentile

$11,646

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 13.6% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

97th percentile

19%

Faster asset growth than 97% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M 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 / Assets43rd percentile

Assets

Up

$2,638,108

Up $415,154 (+19%) from 2012

Net Assets

Up

$482,635

Up $5,730 (+1.2%) from 2012

Liabilities

Up

$2,155,473

Up $409,424 (+23%) from 2012

Revenue And Expenses
Liabilities / Revenue80th percentileNet Margin69th percentile

Revenue

$85,654

No earlier filing loaded for comparison.

Expenses

Up

$79,924

Up $3,275 (+4.3%) from 2012

Net Income

$5,730

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$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

2013

Assets$2,638,108
Liabilities$2,155,473
Net Assets$482,635
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$85,654
Expenses$79,924
Net Income$5,730
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 31, 2014
Return Version
2013v3.0
Gross Receipts
$85,654
Mission and Program Overview

Mission

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

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,575,161$1,534,913▼ $40,248
Savings and Temporary Cash Investments$527,554$1,007,381▲ $479,827
Rtn Earn Endowment Incm Other Fnds$476,905$482,635▲ $5,730
Receivables From Officers Etc$75,952$56,176▼ $19,776
Cash and Non-Interest-Bearing Accounts$21,922$7,412▼ $14,510
Investments Program Related$3,500$3,500→ $0
Prepaid Expenses and Deferred Charges$0$2,541▲ $2,541
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,222,954$2,638,108▲ $415,154
Other Assets Total$18,865$26,185▲ $7,320
Liabilities
Other Liabilities$1,745,020$2,155,473▲ $410,453
Accounts Payable and Accrued Expenses$1,029--
Total Liabilities$1,746,049$2,155,473▲ $409,424
Net Assets / Fund Balance
Total Net Assets Fund Balance$476,905$482,635▲ $5,730
Total Liabilities and Net Assets / Fund Balance$2,222,954$2,638,108▲ $415,154
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lynn BlackPresident/Manager/DirectorPT$11,146$500$11,646
Bobbie IsaacsOffice AssistantPT$8,663$400$9,063
Patricia HicksOffice Assistant-$1,433$100$1,533

Board Members and Trustees

NameTitle
John SullivanPresident
Robert G Bretz JrVice Chairman
Donna JohnsonDirector
Douglas WiggersDirector
Frederick WallaceDirector
Gordon ShrieferDirector
Lee TempleDirector
Richard WilsonDirector
Russ HaneganDirector
Judy VanDeVeerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$81,539
Investment Income
$4,000
Other Revenue
$115
Change in Net Assets
$5,730
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$51,836
Salaries, Compensation, and Employee Benefits$28,088
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$25,944--$25,944
All Other Expenses$25,927--$25,927
Information Technology$11,340--$11,340
Insurance$5,760--$5,760
Conferences and Meetings$2,318--$2,318
Payroll Taxes$2,144--$2,144
Fees for Services Accounting$2,130--$2,130
Occupancy$1,380--$1,380
Travel$1,191--$1,191
Advertising$1,027--$1,027
Fees for Services Other$763--$763
Total Functional Expenses$79,924$0$0$79,924
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$75,952$56,176▼ $19,776
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$2,155,473
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

“MEMBERS”

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

“Directors are elected by the members”

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

“Amemdments to the by-laws are subject to member vote”

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

“Fopm 990 is completed by manager and presented to the board for review.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union office. Board meeting minutes are available upon request.”

Filing and Contact Details

Filer

EIN
37-0213150
Phone
2173986086

Signing Officer

Name
Lynn Black
Title
Manager
Phone
2173986086
Signed
2014-07-31

Organization Details

Principal Officer
Lynn Black
Formed
1931
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
11
Employees
5
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“23,890 dividends to members and 2,037 regulatory fee.”

Raw XML AppendixShowing 400 of 519 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/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04784
IRS990/PYOtherExpensesAmt044584
IRS990/PYOtherRevenueAmt099
IRS990/PYProgramServiceRevenueAmt073579
IRS990/PYRevenuesLessExpensesAmt01713
IRS990/PYSalariesCompEmpBnftPaidAmt032165
IRS990/PYTotalExpensesAmt076749
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt078462
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt075952
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt056176
IRS990/ReconcilationRevenueExpnssAmt05730
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt085653
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0476905
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0482635
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0527554
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01007381
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02155473
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/TotalLiabilityAmt02155473
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt08663
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt111146
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt21433
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount1500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount2100
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Bobbie Isaacs
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Lynn Black
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2Patricia Hicks
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Office Assistant
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1President/Manager/Director
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2Office Assistant
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt09063
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt111646
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt21533
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt012345
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt17579
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt26153
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt32249
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt43121
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt518644
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt66087
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Car
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Car
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Car
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Personal/Debt Consolidation
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Two Car and a Personal/Debt Consolidation
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Two Car
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt016500

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,638,108
Liabilities
$2,155,473
Net assets
$482,635
Revenue
$85,654
Expenses
$79,924
Net income
$5,730
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$2.20$1.83$0.37$0.07$0.09$0.02
2017Detailed filing. Detailed filing data is available for this year.$2.58$2.18$0.40$0.07$0.10$0.03
2016Detailed filing. Detailed filing data is available for this year.$2.37$1.94$0.43$0.07$0.09$0.02
2015Detailed filing. Detailed filing data is available for this year.$2.50$2.05$0.45$0.07$0.06$0.00
2014Detailed filing. Detailed filing data is available for this year.$2.48$2.03$0.45$0.08$0.11$0.04
2013Detailed filing. Detailed filing data is available for this year.$2.64$2.16$0.48$0.09$0.08$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.22$1.75$0.48$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.93$1.45$0.48$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.70$1.23$0.47$0.07