Civic Intelligence

Operating Engineers Local 148 Credit Union

990 • Fiscal year 2016 • EIN 37-0631086

Jan 01, 2016 to Dec 31, 2016 • Filed on May 05, 2017

Organization ProfileN/A

View Organization Page

1503 Lindell BlvdGranite City, IL 62040

(618) 451-7642

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Down

$17,001,450

Down $59,635 (-0.3%) from 2015

Net Assets

Down

$2,791,167

Down $38,949 (-1.4%) from 2015

Liabilities

Down

$14,210,283

Down $20,686 (-0.1%) from 2015

Revenue And Expenses

Revenue

Down

$533,428

Down $14,189 (-2.6%) from 2015

Expenses

Up

$572,377

Up $24,761 (+4.5%) from 2015

Net Income

Down

-$38,949

Down $38,950 (-3895000%) from 2015

Historical Trend

Balance Sheet Trend

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

2016

Assets$17,001,450
Liabilities$14,210,283
Net Assets$2,791,167
Open 2016 Filing

Operations Trend

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

2016

Revenue$533,428
Expenses$572,377
Net Income-$38,949
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 5, 2017
Return Version
2016v3.0
Gross Receipts
$533,428
Mission and Program Overview

Mission

Provide loans and savings accounts to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,433,243$8,814,529▲ $381,286
Rtn Earn Endowment Incm Other Fnds$2,830,116$2,791,167▼ $38,949
Savings and Temporary Cash Investments$1,074,068$1,590,538▲ $516,470
Land, Buildings, and Equipment, Net$61,709$60,618▼ $1,091
Prepaid Expenses and Deferred Charges$16,097$9,527▼ $6,570
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$17,061,085$17,001,450▼ $59,635
Other Assets Total$7,475,968$6,526,238▼ $949,730
Liabilities
Other Liabilities$14,222,402$14,204,591▼ $17,811
Accounts Payable and Accrued Expenses$8,567$5,692▼ $2,875
Total Liabilities$14,230,969$14,210,283▼ $20,686
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,830,116$2,791,167▼ $38,949
Total Liabilities and Net Assets / Fund Balance$17,061,085$17,001,450▼ $59,635

Asset Categories

AssetBook ValueDepreciationBasis
Land$37,148-$37,148
Other Land Buildings$18,942-$18,942
Buildings$4,528-$4,528
Other Assets Org$136,238--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Bill HowlePres/treasPT$25,564$25,564
Edward HeisnerVice PresidentPT$12,936$12,936

Board Members and Trustees

NameTitle
Phillip DanielsVice Chairman
David BaysingerDirector
Donald HowellDirector
Douglas PierceDirector
Earl BerrongDirector
Larry JenkinsDirector
Stephen SmithDirector
Tim LohmannDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$447,012
Investment Income
$86,416
Other Revenue
$0
Change in Net Assets
$-38,949
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$295,499
Salaries, Compensation, and Employee Benefits$276,878
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$178,125
Other Employee Benefits---$60,253
All Other Expenses---$55,674
Current Officers, Directors, Trustees, and Key Employees---$38,500
Other Expenses---$28,468
Occupancy---$21,756
Travel---$17,058
Total Functional Expenses$0$0$0$572,377
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$14,204,591
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

Filer Name
Operating Engineers Local 148
EIN
37-0631086
Phone
6184517642
Address
1503 LINDELL BLVD, GRANITE CITY, IL 62040

Signing Officer

Name
Bill Howle
Title
President/treasurer
Signed
2017-05-05
Discuss with paid preparer
Yes

Organization Details

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

Preparer

Firm
VoellingerSimpson Dolan & Assoc PC
Address
4010 N Illinois St Ste 1, Belleville, IL 62226
Preparer
John C Simpson
Phone
6182338515
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt037148
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0136238
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF DEPOSIT
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt018942
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt06526238
IRS990ScheduleD/TotalLiabilityAmt014204591
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
IRS990/TotalAssetsBOYAmt017061085
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IRS990/TotalContributionsAmt00
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0572377
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt014230969
IRS990/TotalLiabilitiesEOYAmt014210283
IRS990/TotalLiabilitiesGrp/BOYAmt014230969
IRS990/TotalLiabilitiesGrp/EOYAmt014210283
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02830116
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02791167
IRS990/TotalProgramServiceRevenueAmt0447012
IRS990/TotalReportableCompFromOrgAmt038500
IRS990/TotalRevenueGrp/ExclusionAmt086416
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0447012
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0533428
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017061085
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017001450
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt017058
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BILL HOWLE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/TREASURER
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0OPERATING ENGINEERS LOCAL 148
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0OPER
ReturnHeader/Filer/EIN0370631086
ReturnHeader/Filer/PhoneNum06184517642
ReturnHeader/Filer/USAddress/AddressLine1Txt01503 LINDELL BLVD
ReturnHeader/Filer/USAddress/CityNm0GRANITE CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062040
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0VoellingerSimpson Dolan & Assoc PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04010 N Illinois St Ste 1
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Belleville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd062226
ReturnHeader/PreparerPersonGrp/PhoneNum06182338515
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0John C Simpson
ReturnHeader/ReturnTs02017-05-05T06:12:27-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,001,450
Liabilities
$14,210,283
Net assets
$2,791,167
Revenue
$533,428
Expenses
$572,377
Net income
-$38,949
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