Civic Intelligence

Motor Coach Employees Credit Union

EIN 37-0628078 • 501(c)14 • East St Louis, IL

Profile

Provide cooperative financial services to members.

801 N 47th StEast St Louis, IL 62205

www.motorcoachcu.com

Siviq Scores

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

Liabilities / Assets

4th percentile

0.00x

Higher debt load relative to assets than 4% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

35th percentile

0.00x

Higher debt load relative to revenue than 35% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2018

Net Margin

35th percentile

-13%

Higher net margin than 35% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

53rd percentile

$51,272

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 26.8% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2018

Asset Growth

58th percentile

-6.6%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

64th percentile

1.6%

Faster revenue growth than 64% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets4th percentile

Assets

Down

$2,060,607

Down $145,742 (-6.6%) from 2017

Liabilities

Up

$387

Up $69 (+22%) from 2017

Net Assets

Down

$2,060,220

Down $145,811 (-6.6%) from 2017

Operations
Liabilities / Revenue35th percentileNet Margin35th percentile

Revenue

Up

$191,220

Up $3,098 (+1.6%) from 2017

Expenses

Down

$215,367

Down $197 (-0.1%) from 2017

Net Income

Up

-$24,147

Up $3,295 (+12%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $2,440,181Liabilities 2010: $2,682Net Assets 2010: $2,437,4992010Assets 2011: $1,986,752Liabilities 2011: $515Net Assets 2011: $1,986,2372011Assets 2012: $2,042,775Liabilities 2012: $324Net Assets 2012: $2,042,4512012Assets 2013: $2,009,609Liabilities 2013: $150Net Assets 2013: $2,009,4592013Assets 2014: $1,927,578Liabilities 2014: $273Net Assets 2014: $1,927,3052014Assets 2015: $2,015,362Liabilities 2015: $254Net Assets 2015: $2,015,1082015Assets 2016: $2,183,386Liabilities 2016: $258Net Assets 2016: $2,183,1282016Assets 2017: $2,206,349Liabilities 2017: $318Net Assets 2017: $2,206,0312017Assets 2018: $2,060,607Liabilities 2018: $387Net Assets 2018: $2,060,2202018

Highlighted filing

2018

Assets$2,060,607
Liabilities$387
Net Assets$2,060,220
Open 2018 Filing

Operations Trend

Revenue Growth64th percentile

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

$400K$300K$200K$100K$0-$100KExpenses 2010: $314,2892010Expenses 2011: $239,0052011Expenses 2012: $219,7742012Revenue 2013: $220,211Expenses 2013: $219,631Net Income 2013: $5802013Revenue 2014: $213,634Expenses 2014: $211,287Net Income 2014: $2,3472014Revenue 2015: $201,835Expenses 2015: $212,860Net Income 2015: -$11,0252015Revenue 2016: $206,528Expenses 2016: $219,528Net Income 2016: -$13,0002016Revenue 2017: $188,122Expenses 2017: $215,564Net Income 2017: -$27,4422017Revenue 2018: $191,220Expenses 2018: $215,367Net Income 2018: -$24,1472018

Highlighted filing

2018

Revenue$191,220
Expenses$215,367
Net Income-$24,147
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,060,607
Liabilities
$387
Net assets
$2,060,220
Revenue
$191,220
Expenses
$215,367
Net income
-$24,147
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$2.06$0.00$2.06$0.19$0.22$0.02
2017Detailed filing. Detailed filing data is available for this year.$2.21$0.00$2.21$0.19$0.22$0.03
2016Detailed filing. Detailed filing data is available for this year.$2.18$0.00$2.18$0.21$0.22$0.01
2015Detailed filing. Detailed filing data is available for this year.$2.02$0.00$2.02$0.20$0.21$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.93$0.00$1.93$0.21$0.21$0.00
2013Detailed filing. Detailed filing data is available for this year.$2.01$0.00$2.01$0.22$0.22$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.04$0.00$2.04$0.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.99$0.00$1.99$0.24
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.44$0.00$2.44$0.31
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 2, 2019
Return Version
2018v3.1
Gross Receipts
$191,220
Mission and Program Overview

Mission

Provide cooperative financial services to members.

To provide cooperative financial services to the following groups: employees of metro (formerly bi-state development agency), laidlaw, casino queen and their family members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,080,432$1,095,435▲ $15,003
Other Notes and Loans Receivable, Net$910,074$842,052▼ $68,022
Cash and Non-Interest-Bearing Accounts$178,164$89,441▼ $88,723
Prepaid Expenses and Deferred Charges$8,849$9,251▲ $402
Land, Buildings, and Equipment, Net$10,923$6,018▼ $4,905
Total Assets$2,206,349$2,060,607▼ $145,742
Other Assets Total$17,907$18,410▲ $503
Liabilities
Accounts Payable and Accrued Expenses$318$387▲ $69
Total Liabilities$318$387▲ $69
Net Assets / Fund Balance
Unrestricted Net Assets$1,861,010$1,715,199▼ $145,811
Permanently Rstr Net Assets$274,021$274,021→ $0
Temporarily Rstr Net Assets$71,000$71,000→ $0
Total Net Assets Fund Balance$2,206,031$2,060,220▼ $145,811
Total Liabilities and Net Assets / Fund Balance$2,206,349$2,060,607▼ $145,742

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,018$84,363$90,381
Compensation and Service Providers
Top Officer Pay53rd percentile

Employees

NameTitleBaseTotal
Vonzetta LewisTreasurer$51,272$51,272

Board Members and Trustees

NameTitle
Leon HolderChairman
Willie GardnerVice Chairman
Alta Davis WarnerDirector
Charles JonesDirector
Diane WadeDirector
Richard WadeSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$176,566
Investment Income
$14,654
Other Revenue
$0
Change in Net Assets
$-24,147
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$124,689
Salaries, Compensation, and Employee Benefits$90,678
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$53,193
Current Officers, Directors, Trustees, and Key Employees---$51,272
Other Salaries and Wages---$32,962
Office Expenses---$22,392
Payroll Taxes---$6,444
Other Expenses---$5,036
Depreciation Depletion---$4,491
Travel---$2,431
Total Functional Expenses$0$0$0$215,367
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Richard wade (secretary) and diane wade (director) are related.”

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 B, Line 11B

“The form 990 is provided to members of the board & management designated by the organization for review and signature prior to filing with the internal revenue service.”

Form 990, Part VI, Section B, Line 15

“Persons independent of the organization's president and key employees have determined the compensation for these positions based on comparability data and other factors and have been approved by the board of directors.”

Form 990, Part VI, Section C, Line 18

“A copy of the form 990 may be obtained from www.guidestar.org.”

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
Motor Coach Employees Credit Union
EIN
37-0628078
Phone
6182710600
Address
801 N 47TH ST, EAST ST LOUIS, IL 62205

Signing Officer

Name
Vonzetta Lewis
Title
Treasurer
Phone
6182710600
Signed
2019-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Leon Holder
Formed
1965
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
6
Employees
4
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
600 WASHINGTON AVENUE SUITE 1800, ST LOUIS, MO 63101
Preparer
Jeff Parker
Phone
3149254300
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional fees 53,193.”

FORM 990, PART XI, LINE 9:

“Change in member accounts -121,664.”

Raw XML Appendix326 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0318
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0387
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE COOPERATIVE FINANCIAL SERVICES TO THE FOLLOWING GROUPS: EMPLOYEES OF METRO (FORMERLY BI-STATE DEVELOPMENT AGENCY), LAIDLAW, CASINO QUEEN AND THEIR FAMILY MEMBERS.
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MOTOR COACH EMPLOYEES CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum06182710600
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0801 N 47TH ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0EAST ST LOUIS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd062205
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IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt051272
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
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IRS990/CreditCounselingInd00
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IRS990/DelegationOfMgmtDutiesInd00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0LEON HOLDER
IRS990/Form990PartVIISectionAGrp/PersonNm1WILLIE GARDNER
IRS990/Form990PartVIISectionAGrp/PersonNm2RICHARD WADE
IRS990/Form990PartVIISectionAGrp/PersonNm3VONZETTA LEWIS
IRS990/Form990PartVIISectionAGrp/PersonNm4ALTA DAVIS WARNER
IRS990/Form990PartVIISectionAGrp/PersonNm5CHARLES JONES
IRS990/Form990PartVIISectionAGrp/PersonNm6DIANE WADE
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01965
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0191220
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
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IRS990/InvestmentIncomeGrp/ExclusionAmt014654
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt014654
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt077
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt084363
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
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IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt02060220
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
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IRS990/OtherExpensesGrp/Desc0MISC EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3DIVIDENDS ON ACCOUNTS
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IRS990/PartialLiquidationInd00
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IRS990/PoliticalCampaignActyInd00
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RICHARD WADE (SECRETARY) AND DIANE WADE (DIRECTOR) ARE RELATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THIS ORGANIZATION IS A CREDIT UNION. THEREFORE, IN ORDER TO OPEN AN ACCOUNT, AN INDIVIDUAL MUST BECOME A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS PROVIDED TO MEMBERS OF THE BOARD & MANAGEMENT DESIGNATED BY THE ORGANIZATION FOR REVIEW AND SIGNATURE PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PERSONS INDEPENDENT OF THE ORGANIZATION'S PRESIDENT AND KEY EMPLOYEES HAVE DETERMINED THE COMPENSATION FOR THESE POSITIONS BASED ON COMPARABILITY DATA AND OTHER FACTORS AND HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A COPY OF THE FORM 990 MAY BE OBTAINED FROM WWW.GUIDESTAR.ORG.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER PROFESSIONAL FEES 53,193.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CHANGE IN MEMBER ACCOUNTS -121,664.
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 B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 18
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:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt071000
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt071000
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
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ReturnHeader/ReturnTs02019-05-02T15:53:07-05:00
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ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

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