Civic Intelligence

Operating Engineers Local 148 Credit Union

990 • Fiscal year 2013 • EIN 37-0631086

Jan 01, 2013 to Dec 31, 2013 • Filed on May 05, 2014

Organization ProfileN/A

View Organization Page

1503 Lindell Blvd62040

(618) 451-7642

Siviq Scores

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

Liabilities / Assets

33rd percentile

0.84x

Higher debt load relative to assets than 33% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

67th percentile

23.39x

Higher debt load relative to revenue than 67% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

36th percentile

0.7%

Higher net margin than 36% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

15th percentile

$26,652

Higher top officer pay than 15% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

3rd percentile

-7.0%

Faster asset growth than 3% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Down

$18,032,001

Down $1,359,011 (-7.0%) from 2012

Net Assets

Up

$2,820,242

Up $4,127 (+0.1%) from 2012

Liabilities

Down

$15,211,759

Down $1,363,138 (-8.2%) from 2012

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin36th percentile

Revenue

$650,387

No earlier filing loaded for comparison.

Expenses

Down

$646,050

Down $83,039 (-11%) from 2012

Net Income

$4,337

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $18,983,386Liabilities 2010: $16,194,636Net Assets 2010: $2,788,7502010Assets 2011: $18,666,981Liabilities 2011: $15,850,866Net Assets 2011: $2,816,1152011Assets 2012: $19,391,012Liabilities 2012: $16,574,897Net Assets 2012: $2,816,1152012Assets 2013: $18,032,001Liabilities 2013: $15,211,759Net Assets 2013: $2,820,2422013Assets 2014: $17,272,427Liabilities 2014: $14,442,312Net Assets 2014: $2,830,1152014Assets 2015: $17,061,085Liabilities 2015: $14,230,969Net Assets 2015: $2,830,1162015Assets 2016: $17,001,450Liabilities 2016: $14,210,283Net Assets 2016: $2,791,1672016

Highlighted filing

2013

Assets$18,032,001
Liabilities$15,211,759
Net Assets$2,820,242
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $861,8422010Expenses 2011: $814,6562011Expenses 2012: $729,0892012Revenue 2013: $650,387Expenses 2013: $646,050Net Income 2013: $4,3372013Revenue 2014: $584,450Expenses 2014: $574,577Net Income 2014: $9,8732014Revenue 2015: $547,617Expenses 2015: $547,616Net Income 2015: $12015Revenue 2016: $533,428Expenses 2016: $572,377Net Income 2016: -$38,9492016

Highlighted filing

2013

Revenue$650,387
Expenses$646,050
Net Income$4,337
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 5, 2014
Return Version
2013v3.1
Gross Receipts
$650,387
Mission and Program Overview

Mission

Provide loans and savings accounts to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,822,268$8,903,860▲ $81,592
Rtn Earn Endowment Incm Other Fnds$2,816,115$2,820,242▲ $4,127
Savings and Temporary Cash Investments$1,259,422$1,452,365▲ $192,943
Land, Buildings, and Equipment, Net$107,584$92,867▼ $14,717
Prepaid Expenses and Deferred Charges$19,492$11,206▼ $8,286
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 Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$19,391,012$18,032,001▼ $1,359,011
Other Assets Total$9,182,246$7,571,703▼ $1,610,543
Liabilities
Other Liabilities$16,530,280$15,187,481▼ $1,342,799
Accounts Payable and Accrued Expenses$44,617$24,278▼ $20,339
Total Liabilities$16,574,897$15,211,759▼ $1,363,138
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,816,115$2,820,242▲ $4,127
Total Liabilities and Net Assets / Fund Balance$19,391,012$18,032,001▼ $1,359,011

Asset Categories

AssetBook ValueDepreciationBasis
Land$37,148-$37,148
Other Land Buildings$32,158-$32,158
Buildings$23,561-$23,561
Other Assets Org$156,703--
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Bill HowlePres/treasPT$26,652$26,652
Edward HeisnerVice ChairmanPT$12,342$12,342

Board Members and Trustees

NameTitle
Phillip DanielsChairman
David BaysingerDirector
David WitteDirector
Douglas PierceDirector
Earl BerrongDirector
Larry JenkinsDirector
Tim LohmannDirector
Stephen SmithSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$576,146
Investment Income
$74,241
Other Revenue
$0
Change in Net Assets
$4,337
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$348,750
Salaries, Compensation, and Employee Benefits$297,300
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$174,058
Other Employee Benefits---$84,248
All Other Expenses---$63,790
Current Officers, Directors, Trustees, and Key Employees---$38,994
Other Expenses---$36,319
Office Expenses---$27,461
Travel---$18,456
Interest---$148
Total Functional Expenses$0$0$0$646,050
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
Lobbying 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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$15,187,481
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“All account holders are considered members of the credit union.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Credit union account holders, who are members, elect officers and directors.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Actions of the directors are approved at annual member's meeting.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Reviewed by board members prior to filing.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Reviewed on a periodic basis.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Reviewed and approved by board members.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Board of directors approves all compensation for employees.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Documents are available upon request.”

Filing and Contact Details

Filer

EIN
37-0631086
Phone
6184517642

Signing Officer

Name
Bill Howle
Title
President/treasurer
Signed
2014-05-05
Discuss with paid preparer
Yes

Organization Details

Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
Employees
6

Preparer

Preparer
John C Simpson
Phone
6182338515
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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/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02820242
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt023561
IRS990ScheduleD/LandGrp/BookValueAmt037148
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0156703
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF DEPOSIT
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt032158
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt032158
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015187481
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt092867
IRS990ScheduleD/TotalBookValueOtherAssetsAmt07571703
IRS990ScheduleD/TotalLiabilityAmt015187481
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL ACCOUNT HOLDERS ARE CONSIDERED MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION ACCOUNT HOLDERS, WHO ARE MEMBERS, ELECT OFFICERS AND DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ACTIONS OF THE DIRECTORS ARE APPROVED AT ANNUAL MEMBER'S MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3REVIEWED BY BOARD MEMBERS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REVIEWED ON A PERIODIC BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5REVIEWED AND APPROVED BY BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD OF DIRECTORS APPROVES ALL COMPENSATION FOR EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt018032001
IRS990/TotalCompGreaterThan150KInd0false
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0646050
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt016574897
IRS990/TotalLiabilitiesEOYAmt015211759
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IRS990/TotalLiabilitiesGrp/EOYAmt015211759
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IRS990/TotalProgramServiceRevenueAmt0576146
IRS990/TotalReportableCompFromOrgAmt038994
IRS990/TotalRevenueGrp/ExclusionAmt074241
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0576146
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0650387
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018032001
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt018456
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BILL HOWLE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/TREASURER
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine10OPERATING ENGINEERS LOCAL 148
ReturnHeader/Filer/BusinessName/BusinessNameLine20CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0OPER
ReturnHeader/Filer/EIN0370631086
ReturnHeader/Filer/PhoneNum06184517642
ReturnHeader/Filer/USAddress/AddressLine101503 LINDELL BLVD
ReturnHeader/Filer/USAddress/City0GRANITE CITY
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode062040
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10VoellingerSimpson Dolan & Assoc PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine104010 N Illinois St Ste 3
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Belleville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode062226
ReturnHeader/PreparerPersonGrp/PhoneNum06182338515
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0John C Simpson
ReturnHeader/ReturnTs02014-05-05T13:28:45-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$18,032,001
Liabilities
$15,211,759
Net assets
$2,820,242
Revenue
$650,387
Expenses
$646,050
Net income
$4,337
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$17.0$14.2$2.79$0.53$0.57$0.04
2015Detailed filing. Detailed filing data is available for this year.$17.1$14.2$2.83$0.55$0.55$0.00
2014Detailed filing. Detailed filing data is available for this year.$17.3$14.4$2.83$0.58$0.57$0.01
2013Detailed filing. Detailed filing data is available for this year.$18.0$15.2$2.82$0.65$0.65$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.4$16.6$2.82$0.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.7$15.9$2.82$0.81
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.0$16.2$2.79$0.86