Civic Intelligence

Champaign Postal Credit Union

990 • Fiscal year 2015 • EIN 37-0213150

Jan 01, 2015 to Dec 31, 2015 • Filed on May 04, 2016

Organization Profilechampaignpostalcu.com
2001 N Mattis Avenue PO Box3736Champaign, IL 61826

(217) 398-6086

Siviq Scores

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

Liabilities / Assets

48th percentile

0.82x

Higher debt load relative to assets than 48% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

89th percentile

31.02x

Higher debt load relative to revenue than 89% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

55th percentile

4.4%

Higher net margin than 55% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

30th percentile

$11,847

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 17.9% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

53rd percentile

0.9%

Faster asset growth than 53% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

7th percentile

-16%

Faster revenue growth than 7% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets48th percentile

Assets

Up

$2,503,356

Up $23,009 (+0.9%) from 2014

Net Assets

Up

$449,847

Up $2,937 (+0.7%) from 2014

Liabilities

Up

$2,053,509

Up $20,072 (+1.0%) from 2014

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin55th percentile

Revenue

Down

$66,209

Down $12,376 (-16%) from 2014

Expenses

Down

$63,272

Down $51,038 (-45%) from 2014

Net Income

Up

$2,937

Up $38,662 (+108%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth53rd 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

2015

Assets$2,503,356
Liabilities$2,053,509
Net Assets$449,847
Open 2015 Filing

Operations Trend

Revenue Growth7th percentile

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

2015

Revenue$66,209
Expenses$63,272
Net Income$2,937
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 4, 2016
Return Version
2015v2.1
Gross Receipts
$66,209
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 members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,106,594$1,185,598▲ $79,004
Other Notes and Loans Receivable, Net$1,259,950$1,155,398▼ $104,552
Rtn Earn Endowment Incm Other Fnds$446,910$449,847▲ $2,937
Receivables From Officers Etc$47,346$88,983▲ $41,637
Cash and Non-Interest-Bearing Accounts$29,976$38,247▲ $8,271
Investments Program Related$3,500$3,500→ $0
Prepaid Expenses and Deferred Charges$1,460$1,695▲ $235
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$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$2,480,347$2,503,356▲ $23,009
Other Assets Total$31,521$29,935▼ $1,586
Liabilities
Other Liabilities$2,033,437$2,053,509▲ $20,072
Accounts Payable and Accrued Expenses$0$0→ $0
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$2,033,437$2,053,509▲ $20,072
Net Assets / Fund Balance
Total Net Assets Fund Balance$446,910$449,847▲ $2,937
Total Liabilities and Net Assets / Fund Balance$2,480,347$2,503,356▲ $23,009
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kathleen BurrTreasurer, ManagerPT$11,847$11,847
Bobbie IsaacsDirector, Membership Committee Chair, Assistant ManagerPT$9,386$9,386
Vicki BussartOffice Assitant-$2,520$2,520
Teresa HittOffice Assistant-$1,108$1,108

Board Members and Trustees

NameTitle
Robert BretzChairman, Membership Committee
Gordon SchrieferDirector, Credit Committee Chair
Russel HaneganDirector, Supervisory Committee Chair
Michael HicksVice Chairman
Lee TempleDirector, Credit Committee
Douglas WiggersDirector, Supervisory Committee
Edward WarnsDirector, Supervisory Committee
Richard WilsonDirector, Supervisory Committee
Judy VanDeVeerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$60,912
Investment Income
$5,235
Other Revenue
$62
Change in Net Assets
$2,937
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$36,251
Salaries, Compensation, and Employee Benefits$27,021
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---$24,866
Office Expenses---$17,832
Conferences and Meetings---$4,073
Occupancy---$2,262
Payroll Taxes---$2,155
Fees for Services Accounting---$2,150
All Other Expenses---$2,125
Fees for Services Other---$630
Fees for Services Legal---$620
Other Expenses---$-8,759
Total Functional Expenses$0$0$0$63,272
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$47,346$88,983▲ $41,637
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
Member shares$2,053,509
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 members.”

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

“The Form 990 is completed by the manager then presented to the Board for review.”

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
2001 N Mattis Avenue PO Box3736, Champaign, IL 61826

Signing Officer

Name
Kathleen Burr
Title
Manager
Phone
2173986086
Signed
2016-05-04

Organization Details

Principal Officer
Kathleen Burr
Formed
1931
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
11
Employees
4
Volunteers
11
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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/Form990PartVIISectionAGrp/TitleTxt1Director, Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director, Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director, Credit Committee Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director, Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director, Credit Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Chairman, Membership Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Treasurer, Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director, Membership Committee Chair, Assistant Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt9Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director, Supervisory Committee Chair
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt0446910
IRS990/NetAssetsOrFundBalancesEOYAmt0449847
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02262
IRS990/OfficeExpensesGrp/TotalAmt017832
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt031521
IRS990/OtherAssetsTotalGrp/EOYAmt029935
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Dividends
IRS990/OtherExpensesGrp/Desc1Operating Fees
IRS990/OtherExpensesGrp/Desc2Loan Servicing
IRS990/OtherExpensesGrp/Desc3Provision for Loan Loss
IRS990/OtherExpensesGrp/TotalAmt010939
IRS990/OtherExpensesGrp/TotalAmt12201
IRS990/OtherExpensesGrp/TotalAmt22178
IRS990/OtherExpensesGrp/TotalAmt3-8759
IRS990/OtherLiabilitiesGrp/BOYAmt02033437
IRS990/OtherLiabilitiesGrp/EOYAmt02053509
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0CUNA Mutual
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt062
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt062
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt062
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01259950
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01155398
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt02155
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01460
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01695
IRS990/PrincipalOfficerNm0Kathleen Burr
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Income
IRS990/ProgramServiceRevenueGrp/Desc1Gift Card Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt060780
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1132
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt060780
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1132
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04103
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt089319
IRS990/PYOtherRevenueAmt078
IRS990/PYProgramServiceRevenueAmt074404
IRS990/PYRevenuesLessExpensesAmt0-35725
IRS990/PYSalariesCompEmpBnftPaidAmt024991
IRS990/PYTotalExpensesAmt0114310
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt078585
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt047346
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt088983
IRS990/ReconcilationRevenueExpnssAmt02937
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt066209
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0446910
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0449847
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01106594
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01185598
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02053509
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member shares
IRS990ScheduleD/TotalLiabilityAmt02053509
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt07326
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt121294
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt230763
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt33827
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt416495
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt53485
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt65793
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/LoanPurposeTxt0Automobile
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Automobile
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Automobile
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Automobile
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Automobile

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,503,356
Liabilities
$2,053,509
Net assets
$449,847
Revenue
$66,209
Expenses
$63,272
Net income
$2,937
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