Civic Intelligence

Electrical Workers Credit Union

EIN 37-0261275 • 501(c)14 • Granite City, IL

Profile

Credit union operates for mutual purpose

C/O Gcs 3970 Maryville RoadGranite City, IL 62040

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2016

Liabilities / Revenue

95th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2016

Net Margin

37th percentile

-144%

Higher net margin than 37% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

24th percentile

-75%

Faster revenue growth than 24% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $2,579,253 (-100%) from 2015

Liabilities

Down

$0

Down $2,374,584 (-100%) from 2015

Net Assets

Down

$0

Down $204,669 (-100%) from 2015

Operations
Liabilities / Revenue95th percentileNet Margin37th percentile

Revenue

Down

$12,227

Down $37,384 (-75%) from 2015

Expenses

Down

$29,827

Down $40,457 (-58%) from 2015

Net Income

Up

-$17,600

Up $3,073 (+15%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $2,582,559Liabilities 2010: $2,288,758Net Assets 2010: $293,8012010Assets 2011: $2,515,528Liabilities 2011: $2,232,509Net Assets 2011: $283,0192011Assets 2012: $2,671,639Liabilities 2012: $2,407,686Net Assets 2012: $263,9532012Assets 2013: $2,502,017Liabilities 2013: $2,251,125Net Assets 2013: $250,8922013Assets 2014: $2,574,991Liabilities 2014: $2,349,649Net Assets 2014: $225,3422014Assets 2015: $2,579,253Liabilities 2015: $2,374,584Net Assets 2015: $204,6692015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2016

Assets$0
Liabilities$0
Net Assets$0
Open 2016 Filing

Operations Trend

Revenue Growth24th percentile

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

$150K$100K$50K$0-$50KExpenses 2010: $126,4432010Expenses 2011: $83,3732011Expenses 2012: $78,4222012Revenue 2013: $47,443Expenses 2013: $60,504Net Income 2013: -$13,0612013Revenue 2014: $48,053Expenses 2014: $73,603Net Income 2014: -$25,5502014Revenue 2015: $49,611Expenses 2015: $70,284Net Income 2015: -$20,6732015Revenue 2016: $12,227Expenses 2016: $29,827Net Income 2016: -$17,6002016

Highlighted filing

2016

Revenue$12,227
Expenses$29,827
Net Income-$17,600
Open 2016 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$12,227
Expenses
$29,827
Net income
-$17,600
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.01$0.03$0.02
2015Detailed filing. Detailed filing data is available for this year.$2.58$2.37$0.20$0.05$0.07$0.02
2014Detailed filing. Detailed filing data is available for this year.$2.57$2.35$0.23$0.05$0.07$0.03
2013Detailed filing. Detailed filing data is available for this year.$2.50$2.25$0.25$0.05$0.06$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.67$2.41$0.26$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.52$2.23$0.28$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.58$2.29$0.29$0.13
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 12, 2017
Return Version
2016v3.0
Gross Receipts
$12,227
Mission and Program Overview

Mission

Credit union operates for mutual purpose

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,508,928$0▼ $1,508,928
Other Notes and Loans Receivable, Net$1,031,072$0▼ $1,031,072
Rtn Earn Endowment Incm Other Fnds$204,669$0▼ $204,669
Investments Other Securities$8,333$0▼ $8,333
Prepaid Expenses and Deferred Charges$3,950$0▼ $3,950
Land, Buildings, and Equipment, Net$175$0▼ $175
Cash and Non-Interest-Bearing Accounts-$0-
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$2,579,253$0▼ $2,579,253
Other Assets Total$26,795$0▼ $26,795
Liabilities
Other Liabilities$2,372,216$0▼ $2,372,216
Accounts Payable and Accrued Expenses$2,368--
Total Liabilities$2,374,584$0▼ $2,374,584
Net Assets / Fund Balance
Total Net Assets Fund Balance$204,669$0▼ $204,669
Total Liabilities and Net Assets / Fund Balance$2,579,253$0▼ $2,579,253
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Debra MooreManagerPT$4,669$4,669

Board Members and Trustees

NameTitle
Tim EvansChairperson
Scott TweedyVice Chairperson/secretary
Arthur MinorDirector
Chris WeirDirector
David ForeeDirector
Michael Halasey JrDirector
Patrick SowellDirector
Robert ChaneyDirector
Kenny LuechtefeldTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,210
Investment Income
$2,017
Other Revenue
$0
Change in Net Assets
$-17,600
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,778
Salaries, Compensation, and Employee Benefits$14,049
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,648
Office Expenses---$3,802
Fees for Services Other---$3,602
Insurance---$3,221
Information Technology---$2,087
Payroll Taxes---$1,401
Occupancy---$300
Other Expenses---$277
Depreciation Depletion---$175
Total Functional Expenses$0$0$0$29,827
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
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

“This organization is a credit union. Therefore, in order to open an account, an individual must become a member of the credit union.”

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

“The board of directors is elected by the credit union members.”

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

“Approval is made at the annual meeting.”

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

“A copy of the form 990 was provided to the board of directors for review, approval and signature prior to filing with the internal revenue service.”

Form 990, Part VI, Section B, Line 15

“The board of directors approves all compensation of employees.”

Form 990, Part VI, Section C, Line 19

“All governing documents, conflicts of interest policy and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Electrical Workers Credit Union
EIN
37-0261275
Phone
6187977993
Address
C/O GCS 3970 MARYVILLE ROAD, GRANITE CITY, IL 62040

Signing Officer

Name
Keith Burton
Title
President
Phone
6187977993
Signed
2017-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Keith Burton
Formed
1938
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
2
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
1 BRONZE POINTE, BELLEVILLE, IL 62226
Preparer
Jeff Parker
Phone
6182331200
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Dfi exam 2,686. Bank fees 916.”

FORM 990, PART XI, LINE 9:

“Transfer to gcs credit union due to merger -187,069.”

Form 990 - Additional Information

“Effective april 1, 2016, the electrical workers credit union has merged with granite city steel credit union (gcs). Therefore, this return is being reviewed by gcs's management and is signed by the president of gcs.”

Raw XML Appendix394 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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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt2GCS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02016-04-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt12016-04-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt22016-04-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0370646488
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN1370646488
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN2370646488
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt01147960
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt123722
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt21069877
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0ACCOUNT BALANCES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1DEPOSIT ACCOUNT BALANCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2LOAN BALANCE LESS ALLOWANCE FOR LOAN LOSSES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt03970 MARYVILLE ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt13970 MARYVILLE ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt23970 MARYVILLE ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0GRANITE CITY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1GRANITE CITY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2GRANITE CITY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd062040
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd162040
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd262040
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THIS ORGANIZATION IS A CREDIT UNION. THEREFORE, IN ORDER TO OPEN AN ACCOUNT, AN INDIVIDUAL MUST BECOME A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2APPROVAL IS MADE AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF THE FORM 990 WAS PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW, APPROVAL AND SIGNATURE PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS APPROVES ALL COMPENSATION OF EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DFI EXAM 2,686. BANK FEES 916.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7TRANSFER TO GCS CREDIT UNION DUE TO MERGER -187,069.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8EFFECTIVE APRIL 1, 2016, THE ELECTRICAL WORKERS CREDIT UNION HAS MERGED WITH GRANITE CITY STEEL CREDIT UNION (GCS). THEREFORE, THIS RETURN IS BEING REVIEWED BY GCS'S MANAGEMENT AND IS SIGNED BY THE PRESIDENT OF GCS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990 - ADDITIONAL INFORMATION
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt02579253
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt02579253
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt029827
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02374584
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt02374584
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0204669
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt010210
IRS990/TotalReportableCompFromOrgAmt04669
IRS990/TotalRevenueGrp/ExclusionAmt02017
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt010210
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt012227
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02579253
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03970 MARYVILLE ROAD
IRS990/USAddress/CityNm0GRANITE CITY
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd062040
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KEITH BURTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06187977993
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ELECTRICAL WORKERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ELEC
ReturnHeader/Filer/EIN0370261275
ReturnHeader/Filer/PhoneNum06187977993
ReturnHeader/Filer/USAddress/AddressLine1Txt0C/O GCS 3970 MARYVILLE ROAD
ReturnHeader/Filer/USAddress/CityNm0GRANITE CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062040
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0A263D622DF308456FFD3AA52C0F5C171D847BE53
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0DAA26B888D1B87F8EA804A4E21495CBD647384A2
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt067.137.57.251
ReturnHeader/FilingSecurityInformation/IPDt02017-11-12
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm018:34:31
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0410746749
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01 BRONZE POINTE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BELLEVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd062226
ReturnHeader/PreparerPersonGrp/PhoneNum06182331200
ReturnHeader/PreparerPersonGrp/PreparationDt02017-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JEFF PARKER
ReturnHeader/ReturnTs02017-11-13T07:11:24-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

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