Civic Intelligence

Electrical Workers Credit Union

990 • Fiscal year 2015 • EIN 37-0261275

Jan 01, 2015 to Dec 31, 2015 • Filed on May 12, 2016

Organization ProfileN/A
C/O Gcs 3970 Maryville RoadGranite City, IL 62040

(618) 797-7993

Siviq Scores

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

Liabilities / Assets

96th percentile

0.92x

Higher debt load relative to assets than 96% of similar nonprofits.

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

Liabilities / Revenue

98th percentile

47.86x

Higher debt load relative to revenue than 98% of similar nonprofits.

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

Net Margin

7th percentile

-42%

Higher net margin than 7% of similar nonprofits.

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

Top Officer Pay

38th percentile

$18,676

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 37.6% of source-year revenue.

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

Asset Growth

46th percentile

0.2%

Faster asset growth than 46% of similar nonprofits.

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

Revenue Growth

71st percentile

3.2%

Faster revenue growth than 71% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$2,579,253

Up $4,262 (+0.2%) from 2014

Net Assets

Down

$204,669

Down $20,673 (-9.2%) from 2014

Liabilities

Up

$2,374,584

Up $24,935 (+1.1%) from 2014

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin7th percentile

Revenue

Up

$49,611

Up $1,558 (+3.2%) from 2014

Expenses

Down

$70,284

Down $3,319 (-4.5%) from 2014

Net Income

Up

-$20,673

Up $4,877 (+19%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth46th percentile

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

$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

2015

Assets$2,579,253
Liabilities$2,374,584
Net Assets$204,669
Open 2015 Filing

Operations Trend

Revenue Growth71st percentile

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

2015

Revenue$49,611
Expenses$70,284
Net Income-$20,673
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 12, 2016
Return Version
2015v2.1
Gross Receipts
$49,611
Mission and Program Overview

Mission

Credit union operates for mutual purpose

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,755,158$1,508,928▼ $246,230
Other Notes and Loans Receivable, Net$782,665$1,031,072▲ $248,407
Rtn Earn Endowment Incm Other Fnds$225,342$204,669▼ $20,673
Investments Other Securities$8,333$8,333→ $0
Prepaid Expenses and Deferred Charges$3,322$3,950▲ $628
Land, Buildings, and Equipment, Net$367$175▼ $192
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,574,991$2,579,253▲ $4,262
Other Assets Total$25,146$26,795▲ $1,649
Liabilities
Other Liabilities$2,346,872$2,372,216▲ $25,344
Accounts Payable and Accrued Expenses$2,777$2,368▼ $409
Total Liabilities$2,349,649$2,374,584▲ $24,935
Net Assets / Fund Balance
Total Net Assets Fund Balance$225,342$204,669▼ $20,673
Total Liabilities and Net Assets / Fund Balance$2,574,991$2,579,253▲ $4,262

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$175$636$811
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Debra MooreManagerPT$18,676$18,676

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
$42,929
Investment Income
$6,682
Other Revenue
$0
Change in Net Assets
$-20,673
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$35,225
Salaries, Compensation, and Employee Benefits$35,059
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---$18,676
Other Salaries and Wages---$13,676
Office Expenses---$7,841
Fees for Services Other---$5,675
Insurance---$3,706
Information Technology---$3,345
Payroll Taxes---$2,707
Fees for Services Accounting---$2,667
Occupancy---$1,200
Other Expenses---$1,178
Fees for Services Legal---$848
Depreciation Depletion---$191
Total Functional Expenses$0$0$0$70,284
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$2,372,216
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 11

“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
2016-05-12
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 - 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 Appendix346 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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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/ExplanationTxt6EFFECTIVE 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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990 - ADDITIONAL INFORMATION
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IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt02574991
IRS990/TotalAssetsEOYAmt02579253
IRS990/TotalAssetsGrp/BOYAmt02574991
IRS990/TotalAssetsGrp/EOYAmt02579253
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt070284
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02349649
IRS990/TotalLiabilitiesEOYAmt02374584
IRS990/TotalLiabilitiesGrp/BOYAmt02349649
IRS990/TotalLiabilitiesGrp/EOYAmt02374584
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0225342
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0204669
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt042929
IRS990/TotalReportableCompFromOrgAmt018676
IRS990/TotalRevenueGrp/ExclusionAmt06682
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt042929
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt049611
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02574991
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02579253
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/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KEITH BURTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06187977993
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-12
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/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/PreparerPersonNm0JEFF PARKER
ReturnHeader/ReturnTs02016-05-13T13:19:45-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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Filings

Displayed year

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

Open filing
Assets
$2,579,253
Liabilities
$2,374,584
Net assets
$204,669
Revenue
$49,611
Expenses
$70,284
Net income
-$20,673
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