Civic Intelligence

Champaign Postal Credit Union

990 • Fiscal year 2016 • EIN 37-0213150

Jan 01, 2016 to Dec 31, 2016 • Filed on May 09, 2017

Organization Profilewww.champaignpostalcu.com
PO Box 3637Champaign, IL 61826

(217) 398-6086

Siviq Scores

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

Liabilities / Assets

46th percentile

0.82x

Higher debt load relative to assets than 46% of similar nonprofits.

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

Liabilities / Revenue

86th percentile

29.38x

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

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

Net Margin

11th percentile

-29%

Higher net margin than 11% of similar nonprofits.

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

Top Officer Pay

30th percentile

$12,811

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 19.4% of source-year revenue.

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

Asset Growth

23rd percentile

-5.4%

Faster asset growth than 23% of similar nonprofits.

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

Revenue Growth

54th percentile

-0.4%

Faster revenue growth than 54% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets46th percentile

Assets

Down

$2,367,872

Down $135,484 (-5.4%) from 2015

Net Assets

Down

$430,624

Down $19,223 (-4.3%) from 2015

Liabilities

Down

$1,937,248

Down $116,261 (-5.7%) from 2015

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin11th percentile

Revenue

Down

$65,945

Down $264 (-0.4%) from 2015

Expenses

Up

$85,168

Up $21,896 (+35%) from 2015

Net Income

Down

-$19,223

Down $22,160 (-755%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth23rd 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

2016

Assets$2,367,872
Liabilities$1,937,248
Net Assets$430,624
Open 2016 Filing

Operations Trend

Revenue Growth54th 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

2016

Revenue$65,945
Expenses$85,168
Net Income-$19,223
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 9, 2017
Return Version
2016v3.0
Gross Receipts
$65,945
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$1,155,398$1,214,772▲ $59,374
Savings and Temporary Cash Investments$1,185,598$921,732▼ $263,866
Rtn Earn Endowment Incm Other Fnds$449,847$430,624▼ $19,223
Receivables From Officers Etc$88,983$144,169▲ $55,186
Cash and Non-Interest-Bearing Accounts$38,247$51,561▲ $13,314
Investments Program Related$3,500$3,500→ $0
Prepaid Expenses and Deferred Charges$1,695$2,203▲ $508
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
Land, Buildings, and Equipment, Net$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$2,503,356$2,367,872▼ $135,484
Other Assets Total$29,935$29,935→ $0
Liabilities
Other Liabilities$2,053,509$1,937,227▼ $116,282
Accounts Payable and Accrued Expenses$0$21▲ $21
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$2,053,509$1,937,248▼ $116,261
Net Assets / Fund Balance
Total Net Assets Fund Balance$449,847$430,624▼ $19,223
Total Liabilities and Net Assets / Fund Balance$2,503,356$2,367,872▼ $135,484
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kathleen BurrTreasurer, ManagerPT$12,811$12,811
Bobbie IsaacsSecretary, Membership Committee, Assitant ManagerPT$8,999$8,999
Teresa HittTellerPT$5,420$5,420
Vicki BussartTeller-$220$220

Board Members and Trustees

NameTitle
Robert Bretz JrChairman
Gordon SchrieferCredit Committee Chair
Melissa CrutchleyMembership Committee Chair
Douglas WiggersSupervisory Committee Chair
Roxanna KeyesVice Chairman
Lee TempleCredit Committee Member
Michael HicksCredit Committee Member
Edward WarnsSupervisory Committee Member
Richard WilsonSupervisory Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$55,212
Investment Income
$10,701
Other Revenue
$32
Change in Net Assets
$-19,223
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$55,244
Salaries, Compensation, and Employee Benefits$29,924
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---$27,450
Office Expenses---$15,540
Other Expenses---$5,609
Fees for Services Accounting---$3,250
Fees for Services Other---$2,642
Payroll Taxes---$2,474
Occupancy---$2,045
Conferences and Meetings---$1,451
Fees for Services Legal---$50
Total Functional Expenses$0$0$0$85,168
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$88,983$144,169▲ $55,186
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$1,937,227
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

“There are 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 and 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
PO Box 3637, Champaign, IL 61826

Signing Officer

Name
Kathleen Burr
Title
Manager
Phone
2173986086
Signed
2017-05-09

Organization Details

Principal Officer
Kathleen Burr
Formed
1931
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
11
Employees
4
Volunteers
11
Raw XML AppendixShowing 400 of 569 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/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Supervisory Committee Chair
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt0449847
IRS990/NetAssetsOrFundBalancesEOYAmt0430624
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02045
IRS990/OfficeExpensesGrp/TotalAmt015540
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt029935
IRS990/OtherAssetsTotalGrp/EOYAmt029935
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Dividends
IRS990/OtherExpensesGrp/Desc1Operating Fees
IRS990/OtherExpensesGrp/Desc2Loan Servicing/Provision For Loan Loss
IRS990/OtherExpensesGrp/Desc3Miscellaneous
IRS990/OtherExpensesGrp/TotalAmt010923
IRS990/OtherExpensesGrp/TotalAmt12647
IRS990/OtherExpensesGrp/TotalAmt211087
IRS990/OtherExpensesGrp/TotalAmt35609
IRS990/OtherLiabilitiesGrp/BOYAmt02053509
IRS990/OtherLiabilitiesGrp/EOYAmt01937227
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0CUNA Mutual
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt032
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt032
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt032
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01155398
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01214772
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt02474
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01695
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02203
IRS990/PrincipalOfficerNm0Kathleen Burr
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Income
IRS990/ProgramServiceRevenueGrp/Desc1Gift Card Income
IRS990/ProgramServiceRevenueGrp/Desc2Fee Income
IRS990/ProgramServiceRevenueGrp/Desc3Over Check Limit Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt054179
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt117
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21011
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt35
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt054179
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt117
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21011
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05235
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt036251
IRS990/PYOtherRevenueAmt062
IRS990/PYProgramServiceRevenueAmt060912
IRS990/PYRevenuesLessExpensesAmt02937
IRS990/PYSalariesCompEmpBnftPaidAmt027021
IRS990/PYTotalExpensesAmt063272
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt066209
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt088983
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0144169
IRS990/ReconcilationRevenueExpnssAmt0-19223
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt065946
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0449847
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0430624
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01185598
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0921732
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01937227
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Equity Accounts
IRS990ScheduleD/TotalLiabilityAmt01937227
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt016876
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt114084
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt29244
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt325584
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt42619
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt513616
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt61443
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt79718
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt813866
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt93992
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1025973
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd91
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,367,872
Liabilities
$1,937,248
Net assets
$430,624
Revenue
$65,945
Expenses
$85,168
Net income
-$19,223
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