Civic Intelligence

Urbana Postal Credit Union

EIN 37-0560695 • 501(c)14 • Urbana, IL

Profile

NONE

3100 E Tatman CT P O Box 17337Urbana, IL 61803-7337

www.urbanapostalcu.com

Siviq Scores

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

Liabilities / Assets

94th percentile

0.89x

Higher debt load relative to assets than 94% of similar nonprofits.

$500k-$1M nonprofits • Source year 2017

Liabilities / Revenue

99th percentile

15.94x

Higher debt load relative to revenue than 99% of similar nonprofits.

$500k-$1M nonprofits • Source year 2017

Net Margin

7th percentile

-84%

Higher net margin than 7% of similar nonprofits.

$500k-$1M nonprofits • Source year 2017

Top Officer Pay

67th percentile

$14,350

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 30.0% of source-year revenue.

$500k-$1M nonprofits • Source year 2017

Asset Growth

18th percentile

-10%

Faster asset growth than 18% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2016 to 2017

Revenue Growth

45th percentile

4.2%

Faster revenue growth than 45% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2016 to 2017

Assets

Down

$860,602

Down $96,606 (-10%) from 2016

Liabilities

Down

$763,150

Down $56,314 (-6.9%) from 2016

Net Assets

Down

$97,452

Down $40,292 (-29%) from 2016

Revenue

Up

$47,865

Up $1,935 (+4.2%) from 2016

Expenses

Up

$88,157

Up $43,559 (+98%) from 2016

Net Income

Down

-$40,292

Down $41,624 (-3125%) from 2016

Trend Graphs

Balance Sheet Trend

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

$1.5M$1.0M$500K$0Assets 2010: $1,108,777Liabilities 2010: $983,780Net Assets 2010: $124,9972010Assets 2011: $1,014,112Liabilities 2011: $887,337Net Assets 2011: $126,7752011Assets 2012: $1,088,906Liabilities 2012: $957,967Net Assets 2012: $130,9392012Assets 2013: $1,024,527Liabilities 2013: $890,615Net Assets 2013: $133,9122013Assets 2014: $1,031,590Liabilities 2014: $896,671Net Assets 2014: $134,9192014Assets 2015: $910,257Liabilities 2015: $773,845Net Assets 2015: $136,4122015Assets 2016: $957,208Liabilities 2016: $819,464Net Assets 2016: $137,7442016Assets 2017: $860,602Liabilities 2017: $763,150Net Assets 2017: $97,4522017

Highlighted filing

2017

Assets$860,602
Liabilities$763,150
Net Assets$97,452

Operations Trend

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

$100K$50K$0-$50KExpenses 2010: $46,9662010Expenses 2011: $42,0482011Expenses 2012: $40,8732012Revenue 2013: $43,429Expenses 2013: $39,746Net Income 2013: $3,6832013Revenue 2014: $45,082Expenses 2014: $44,075Net Income 2014: $1,0072014Revenue 2015: $48,077Expenses 2015: $46,584Net Income 2015: $1,4932015Revenue 2016: $45,930Expenses 2016: $44,598Net Income 2016: $1,3322016Revenue 2017: $47,865Expenses 2017: $88,157Net Income 2017: -$40,2922017

Highlighted filing

2017

Revenue$47,865
Expenses$88,157
Net Income-$40,292

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 2, 2018
Return Version
2017v2.0
Gross Receipts
$47,865
Mission and Program Overview

Mission

NONE

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$782,378$643,582▼ $138,796
Savings and Temporary Cash Investments$142,601$114,230▼ $28,371
Rtn Earn Endowment Incm Other Fnds$137,744$97,452▼ $40,292
Cash and Non-Interest-Bearing Accounts$23,002$93,156▲ $70,154
Prepaid Expenses and Deferred Charges$9,227$9,634▲ $407
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$957,208$860,602▼ $96,606
Liabilities
Other Liabilities$817,214$760,565▼ $56,649
Accounts Payable and Accrued Expenses$2,250$2,585▲ $335
Total Liabilities$819,464$763,150▼ $56,314
Net Assets / Fund Balance
Total Net Assets Fund Balance$137,744$97,452▼ $40,292
Total Liabilities and Net Assets / Fund Balance$957,208$860,602▼ $96,606
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Randall G MatthewsTreasurer/managerPT$14,350$14,350
Charles DubsonVice Chairman of the Board & Asst. Mgr.-$3,500$3,500

Board Members and Trustees

NameTitle
Brian BehernsChairman - Credit Committee
Dennis MillerChairman - Supervisory Committee
Dale SchweighartChairman of the Board
Phil OneillMember - Credit Committee
Tim SullivanMember - Credit Committee
Irvin PicklesimerMember - Supervisory Committee
Melvin GoodmanMember - Supervisory Committee
Robert JordanMembership Committee
Carol MillerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$46,833
Investment Income
$1,032
Other Revenue
$0
Change in Net Assets
$-40,292
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$68,783
Salaries, Compensation, and Employee Benefits$19,374
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$48,495
Current Officers, Directors, Trustees, and Key Employees---$17,850
Office Expenses---$9,706
Interest---$4,268
Depreciation Depletion---$2,312
Other Expenses---$1,641
Payroll Taxes---$1,524
Advertising---$817
Conferences and Meetings---$171
Total Functional Expenses$0$0$0$88,157
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 Shares$760,565
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 2

Dennis Miller and Carol Miller are Board Members and are married.

Form 990, Part VI, Section A, Line 6

Members

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

Members

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

Members approve reports and actions at annual meeting

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

Reviewed by officers, directors, and committee members at regular board meetings.

Form 990, Part VI, Section C, Line 18

Upon request and at the annual meeting of members.

Form 990, Part VI, Section C, Line 19

Upon request and at annual meeting of members

Filing and Contact Details

Filer

Filer Name
Urbana Postal Credit Union
EIN
37-0560695
Phone
2173670653
Address
3100 E TATMAN CT P O BOX 17337, URBANA, IL 61803-7337

Signing Officer

Name
randall matthews
Title
manager
Phone
2173670653
Signed
2018-05-02

Organization Details

Formed
1932
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
9
Employees
2
Volunteers
11
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

Provision for loan loss, association dues, state supervision fees

Raw XML Appendix379 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.

Path#Value
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02585
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IRS990/ActivityOrMissionDesc0TO 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.
IRS990/AdvertisingGrp/TotalAmt0817
IRS990/AllOtherExpensesGrp/TotalAmt048495
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0RANDALL G MATTHEWS
IRS990/BooksInCareOfDetail/PhoneNum02173670653
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03100 E TATMAN CT
IRS990/BooksInCareOfDetail/USAddress/CityNm0URBANA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE CHAIRMAN OF THE BOARD & ASST. MGR.
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER/MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN - SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4MEMBER - SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBER - SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRMAN - CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7MEMBER - CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8MEMBER - CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9MEMBERSHIP COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHAIRMAN OF THE BOARD
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Dennis Miller and Carol Miller are Board Members and are married.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Members approve reports and actions at annual meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Reviewed by officers, directors, and committee members at regular board meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Upon request and at the annual meeting of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Upon request and at annual meeting of members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7PROVISION FOR LOAN LOSS, ASSOCIATION DUES, STATE SUPERVISION FEES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0957208
IRS990/TotalAssetsEOYAmt0860602
IRS990/TotalAssetsGrp/BOYAmt0957208
IRS990/TotalAssetsGrp/EOYAmt0860602
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt088157
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0819464
IRS990/TotalLiabilitiesEOYAmt0763150
IRS990/TotalLiabilitiesGrp/BOYAmt0819464
IRS990/TotalLiabilitiesGrp/EOYAmt0763150
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0137744
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt097452
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt046833
IRS990/TotalReportableCompFromOrgAmt017850
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt047865
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt047865
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0957208
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0860602
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03100 E Tatman Ct
IRS990/USAddress/AddressLine2Txt0P O Box 17337
IRS990/USAddress/CityNm0Urbana
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd0618037337
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.urbanapostalcu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0randall matthews
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0manager
ReturnHeader/BusinessOfficerGrp/PhoneNum02173670653
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0URBANA POSTAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0URBA
ReturnHeader/Filer/EIN0370560695
ReturnHeader/Filer/PhoneNum02173670653
ReturnHeader/Filer/USAddress/AddressLine1Txt03100 E TATMAN CT P O BOX 17337
ReturnHeader/Filer/USAddress/CityNm0URBANA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd0618037337
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt023.115.30.97
ReturnHeader/ReturnTs02018-05-07T10:56:12-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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