Civic Intelligence

Peoria Postal Employees Credit Union

EIN 37-0460215 • 501(c)14 • Peoria, IL

Profile

The credit union has not adopted a mission statement.

P O Box 1215Peoria, IL 61654

www.ppecu.info

Siviq Scores

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

Liabilities / Assets

26th percentile

0.80x

Higher debt load relative to assets than 26% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

39th percentile

13.91x

Higher debt load relative to revenue than 39% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

61st percentile

12%

Higher net margin than 61% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

82nd percentile

$115,752

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 14.8% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

83rd percentile

5.9%

Faster asset growth than 83% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

81st percentile

16%

Faster revenue growth than 81% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Assets

Up

$12,796,281

Up $456,181 (+3.7%) from 2023

Liabilities

Up

$10,201,031

Up $418,661 (+4.3%) from 2023

Net Assets

Up

$2,595,250

Up $37,520 (+1.5%) from 2023

Revenue

Up

$673,849

Up $131,256 (+24%) from 2023

Expenses

Up

$636,329

Up $96,579 (+18%) from 2023

Net Income

Up

$37,520

Up $34,677 (+1220%) from 2023

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2010: $10,375,268Liabilities 2010: $8,077,289Net Assets 2010: $2,297,9792010Assets 2011: $10,754,729Liabilities 2011: $8,432,567Net Assets 2011: $2,322,1622011Assets 2012: $10,635,839Liabilities 2012: $8,305,475Net Assets 2012: $2,330,3642012Assets 2013: $10,363,916Liabilities 2013: $8,032,396Net Assets 2013: $2,331,5202013Assets 2014: $10,518,639Liabilities 2014: $8,174,755Net Assets 2014: $2,343,8842014Assets 2015: $10,519,114Liabilities 2015: $8,165,568Net Assets 2015: $2,353,5462015Assets 2016: $10,985,257Liabilities 2016: $8,603,987Net Assets 2016: $2,381,2702016Assets 2017: $10,380,171Liabilities 2017: $7,979,627Net Assets 2017: $2,400,5442017Assets 2018: $10,464,685Liabilities 2018: $8,000,654Net Assets 2018: $2,464,0312018Assets 2019: $10,639,498Liabilities 2019: $8,143,506Net Assets 2019: $2,495,9922019Assets 2020: $11,637,984Liabilities 2020: $9,119,482Net Assets 2020: $2,518,5022020Assets 2021: $12,246,645Liabilities 2021: $9,719,548Net Assets 2021: $2,527,0972021Assets 2022: $13,047,483Liabilities 2022: $10,492,596Net Assets 2022: $2,554,8872022Assets 2023: $12,340,100Liabilities 2023: $9,782,370Net Assets 2023: $2,557,7302023Assets 2024: $12,796,281Liabilities 2024: $10,201,031Net Assets 2024: $2,595,2502024

Highlighted filing

2024

Assets$12,796,281
Liabilities$10,201,031
Net Assets$2,595,250

Operations Trend

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

$800K$600K$400K$200K$0Expenses 2010: $435,6932010Expenses 2011: $400,8742011Expenses 2012: $380,7452012Revenue 2013: $358,525Expenses 2013: $357,369Net Income 2013: $1,1562013Revenue 2014: $365,996Expenses 2014: $353,632Net Income 2014: $12,3642014Revenue 2015: $390,619Expenses 2015: $380,957Net Income 2015: $9,6622015Revenue 2016: $419,425Expenses 2016: $391,701Net Income 2016: $27,7242016Revenue 2017: $434,330Expenses 2017: $415,056Net Income 2017: $19,2742017Revenue 2018: $483,711Expenses 2018: $420,224Net Income 2018: $63,4872018Revenue 2019: $522,171Expenses 2019: $490,210Net Income 2019: $31,9612019Revenue 2020: $494,218Expenses 2020: $471,708Net Income 2020: $22,5102020Revenue 2021: $434,452Expenses 2021: $425,857Net Income 2021: $8,5952021Revenue 2022: $522,900Expenses 2022: $495,110Net Income 2022: $27,7902022Revenue 2023: $542,593Expenses 2023: $539,750Net Income 2023: $2,8432023Revenue 2024: $673,849Expenses 2024: $636,329Net Income 2024: $37,5202024

Highlighted filing

2024

Revenue$673,849
Expenses$636,329
Net Income$37,520

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$12.8$10.2$2.60$0.67$0.64$0.04
2023Detailed filing. Detailed filing data is available for this year.$12.3$9.78$2.56$0.54$0.54$0.00
2022Detailed filing. Detailed filing data is available for this year.$13.0$10.5$2.55$0.52$0.50$0.03
2021Detailed filing. Detailed filing data is available for this year.$12.2$9.72$2.53$0.43$0.43$0.01
2020Detailed filing. Detailed filing data is available for this year.$11.6$9.12$2.52$0.49$0.47$0.02
2019Detailed filing. Detailed filing data is available for this year.$10.6$8.14$2.50$0.52$0.49$0.03
2018Detailed filing. Detailed filing data is available for this year.$10.5$8.00$2.46$0.48$0.42$0.06
2017Detailed filing. Detailed filing data is available for this year.$10.4$7.98$2.40$0.43$0.42$0.02
2016Detailed filing. Detailed filing data is available for this year.$11.0$8.60$2.38$0.42$0.39$0.03
2015Detailed filing. Detailed filing data is available for this year.$10.5$8.17$2.35$0.39$0.38$0.01
2014Detailed filing. Detailed filing data is available for this year.$10.5$8.17$2.34$0.37$0.35$0.01
2013Detailed filing. Detailed filing data is available for this year.$10.4$8.03$2.33$0.36$0.36$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.6$8.31$2.33$0.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$8.43$2.32$0.40
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$8.08$2.30$0.44
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 14, 2025
Return Version
2024v5.0
Gross Receipts
$673,849
Mission and Program Overview

Mission

The credit union has not adopted a mission statement.

To assist our members in the management of their financial well-being by providing loans, savings accounts, and other financial institution services in a friendly and professional manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,442,155$6,219,629▼ $222,526
Investments in Publicly Traded Securities$2,945,000$3,652,000▲ $707,000
Rtn Earn Endowment Incm Other Fnds$2,557,730$2,595,250▲ $37,520
Savings and Temporary Cash Investments$2,659,932$2,494,042▼ $165,890
Cash and Non-Interest-Bearing Accounts$126,430$256,918▲ $130,488
Prepaid Expenses and Deferred Charges$32,969$26,485▼ $6,484
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$12,340,100$12,796,281▲ $456,181
Other Assets Total$133,614$147,207▲ $13,593
Liabilities
Other Liabilities$9,739,215$10,156,653▲ $417,438
Accounts Payable and Accrued Expenses$43,155$44,378▲ $1,223
Total Liabilities$9,782,370$10,201,031▲ $418,661
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,557,730$2,595,250▲ $37,520
Total Liabilities and Net Assets / Fund Balance$12,340,100$12,796,281▲ $456,181
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephen B RowePresidentFT$106,245$5,312$111,557

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$461,271
Investment Income
$212,578
Other Revenue
$0
Change in Net Assets
$37,520
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$394,629
Salaries, Compensation, and Employee Benefits$241,700
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---$106,245
Other Salaries and Wages---$74,405
Other Expenses---$74,000
Office Expenses---$38,379
Other Employee Benefits---$37,436
Information Technology---$35,506
Payroll Taxes---$14,581
All Other Expenses---$11,662
Insurance---$11,610
Fees for Services Accounting---$10,100
Pension Plan Contributions---$9,033
Payments to Affiliates---$8,570
Conferences and Meetings---$4,406
Fees for Services Legal---$1,822
Advertising---$300
Interest---$2
Total Functional Expenses$0$0$0$636,329
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
Members Savings$10,156,653
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
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

All people in our field of membership with at least one share on our books are members of the credit union.

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

All members present either in person or by proxy at our annual meeting elect our governing body.

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

All members present either in person or by proxy at our annual meeting elect our governing body.

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

No review was or will be conducted.

Form 990, Part VI, Section B, Line 12C

The conflict of interest policy is reviewed annually by the board of directors, and each director is required to agree by signature to the terms of the policy.

Form 990, Part VI, Section C, Line 19

Copies of all governing documents, policies, and financial statements are available upon request.

Filing and Contact Details

Filer

Filer Name
Peoria Postal Employees Credit Union
EIN
37-0460215
Phone
3096738832
Address
P O Box 1215, Peoria, IL 61654

Signing Officer

Name
Stephen Rowe
Title
President
Phone
3096738832
Signed
2025-04-14

Organization Details

Principal Officer
Stephen B Rowe
Formed
1928
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
2
Volunteers
9
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2

This represents savings members have on deposit with the credit union.

Raw XML AppendixShowing 400 of 403 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/OtherExpensesGrp/Desc1Dividends
IRS990/OtherExpensesGrp/Desc2Regulatory Fees
IRS990/OtherExpensesGrp/Desc3Provision for Loan Losses
IRS990/OtherExpensesGrp/TotalAmt031311
IRS990/OtherExpensesGrp/TotalAmt1158745
IRS990/OtherExpensesGrp/TotalAmt28216
IRS990/OtherExpensesGrp/TotalAmt374000
IRS990/OtherLiabilitiesGrp/BOYAmt09739215
IRS990/OtherLiabilitiesGrp/EOYAmt010156653
IRS990/OtherOrganizationDsc0Cooperative
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt074405
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt06442155
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt06219629
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt08570
IRS990/PayrollTaxesGrp/TotalAmt014581
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt09033
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt032969
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt026485
IRS990/PrincipalOfficerNm0Stephen B Rowe
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Charges
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0407005
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt154266
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0407005
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt154266
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Received deposits from 1,191 members.
IRS990/ProgSrvcAccomActy3Grp/Desc0Issued certificates of deposit to 105 members.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt010000
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0116181
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0308381
IRS990/PYOtherRevenueAmt03220
IRS990/PYProgramServiceRevenueAmt0413192
IRS990/PYRevenuesLessExpensesAmt02843
IRS990/PYSalariesCompEmpBnftPaidAmt0231369
IRS990/PYTotalExpensesAmt0539750
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0542593
IRS990/ReconcilationRevenueExpnssAmt037520
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02557730
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02595250
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02659932
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02494042
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010156653
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Members Savings
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0This represents savings members have on deposit with the credit union.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalLiabilityAmt010156653
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All people in our field of membership with at least one share on our books are members of the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1All members present either in person or by proxy at our annual meeting elect our governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2All members present either in person or by proxy at our annual meeting elect our governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The conflict of interest policy is reviewed annually by the board of directors, and each director is required to agree by signature to the terms of the policy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Copies of all governing documents, policies, and financial statements are available upon request.
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 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt012340100
IRS990/TotalAssetsEOYAmt012796281
IRS990/TotalAssetsGrp/BOYAmt012340100
IRS990/TotalAssetsGrp/EOYAmt012796281
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0636329
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09782370
IRS990/TotalLiabilitiesEOYAmt010201031
IRS990/TotalLiabilitiesGrp/BOYAmt09782370
IRS990/TotalLiabilitiesGrp/EOYAmt010201031
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02557730
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02595250
IRS990/TotalOtherCompensationAmt05312
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0461271
IRS990/TotalReportableCompFromOrgAmt0106245
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0673849
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0673849
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012340100
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012796281
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0210 Adams Street
IRS990/USAddress/CityNm0Henry
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061537
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.ppecu.info
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Stephen Rowe
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum03096738832
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PEORIA POSTAL EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PEOR
ReturnHeader/Filer/EIN0370460215
ReturnHeader/Filer/PhoneNum03096738832
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O Box 1215
ReturnHeader/Filer/USAddress/CityNm0Peoria
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061654
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-04-14T14:04:35-07:00
ReturnHeader/ReturnTypeCd0990

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