Civic Intelligence

Revity Credit Union

990 • Fiscal year 2019 • EIN 37-0646488

Jan 01, 2019 to Dec 31, 2019 • Filed on Jun 10, 2020

Organization ProfileWWW.MYGCSCU.COM

View Organization Page

3970 Maryville RoadGranite City, IL 62040

(618) 797-7993

Siviq Scores

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

Liabilities / Assets

39th percentile

0.88x

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

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

36th percentile

15.20x

Higher debt load relative to revenue than 36% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

5th percentile

4.1%

Higher net margin than 5% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

8th percentile

$233,462

Higher top officer pay than 8% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

9th percentile

0.6%

Faster asset growth than 9% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

12th percentile

3.5%

Faster revenue growth than 12% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$347,220,803

Up $2,011,183 (+0.6%) from 2018

Net Assets

Up

$41,529,786

Up $1,021,114 (+2.5%) from 2018

Liabilities

Up

$305,691,017

Up $990,069 (+0.3%) from 2018

Revenue And Expenses
Liabilities / Revenue36th percentileNet Margin5th percentile

Revenue

Up

$20,114,524

Up $673,161 (+3.5%) from 2018

Expenses

Up

$19,283,813

Up $407,309 (+2.2%) from 2018

Net Income

Up

$830,711

Up $265,852 (+47%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

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

$600M$400M$200M$0Assets 2014: $309,008,530Liabilities 2014: $272,762,938Net Assets 2014: $36,245,5922014Assets 2015: $312,532,650Liabilities 2015: $275,173,927Net Assets 2015: $37,358,7232015Assets 2016: $323,256,415Liabilities 2016: $284,571,188Net Assets 2016: $38,685,2272016Assets 2017: $328,251,641Liabilities 2017: $288,600,992Net Assets 2017: $39,650,6492017Assets 2018: $345,209,620Liabilities 2018: $304,700,948Net Assets 2018: $40,508,6722018Assets 2019: $347,220,803Liabilities 2019: $305,691,017Net Assets 2019: $41,529,7862019Assets 2020: $397,616,673Liabilities 2020: $354,150,790Net Assets 2020: $43,465,8832020Assets 2021: $448,089,061Liabilities 2021: $401,930,222Net Assets 2021: $46,158,8392021Assets 2022: $436,616,353Liabilities 2022: $403,131,211Net Assets 2022: $33,485,1422022Assets 2024: $460,729,959Liabilities 2024: $420,432,383Net Assets 2024: $40,297,5762024

Highlighted filing

2019

Assets$347,220,803
Liabilities$305,691,017
Net Assets$41,529,786
Open 2019 Filing

Operations Trend

Revenue Growth12th percentile

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

$30M$20M$10M$0Revenue 2014: $16,214,718Expenses 2014: $15,518,945Net Income 2014: $695,7732014Revenue 2015: $16,236,362Expenses 2015: $15,106,590Net Income 2015: $1,129,7722015Revenue 2016: $16,773,356Expenses 2016: $15,854,786Net Income 2016: $918,5702016Revenue 2017: $17,998,402Expenses 2017: $17,168,595Net Income 2017: $829,8072017Revenue 2018: $19,441,363Expenses 2018: $18,876,504Net Income 2018: $564,8592018Revenue 2019: $20,114,524Expenses 2019: $19,283,813Net Income 2019: $830,7112019Revenue 2020: $18,517,571Expenses 2020: $16,493,790Net Income 2020: $2,023,7812020Revenue 2021: $19,603,489Expenses 2021: $14,901,006Net Income 2021: $4,702,4832021Revenue 2022: $20,228,716Expenses 2022: $16,785,020Net Income 2022: $3,443,6962022Revenue 2024: $25,020,502Expenses 2024: $24,130,231Net Income 2024: $890,2712024

Highlighted filing

2019

Revenue$20,114,524
Expenses$19,283,813
Net Income$830,711
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 10, 2020
Return Version
2019v5.1
Gross Receipts
$20,408,990
Mission and Program Overview

Mission

To provide cooperative financial services to anyone who lives, works or attends school within the following illinois counties: sangamon, logan, macon, marion, jefferson, perry, jackson, williamson, jersey, macoupin, montgomery, madison, bond, clinton, st. Clair, monroe, washington and randolph.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$284,043,962$254,931,825▼ $29,112,137
Savings and Temporary Cash Investments$31,950,659$63,515,118▲ $31,564,459
Rtn Earn Endowment Incm Other Fnds$40,508,672$41,529,786▲ $1,021,114
Land, Buildings, and Equipment, Net$6,363,217$5,818,804▼ $544,413
Cash and Non-Interest-Bearing Accounts$3,302,442$3,111,442▼ $191,000
Investments Other Securities$1,382,133$1,382,133→ $0
Accounts Receivable$777,832$729,031▼ $48,801
Investments in Publicly Traded Securities$24,868$17,146▼ $7,722
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$345,209,620$347,220,803▲ $2,011,183
Other Assets Total$17,364,507$17,715,304▲ $350,797
Liabilities
Other Liabilities$293,132,340$294,207,641▲ $1,075,301
Mortgage Notes Payable Secured by Investment Property$10,000,000$10,000,000→ $0
Accounts Payable and Accrued Expenses$1,568,608$1,483,376▼ $85,232
Total Liabilities$304,700,948$305,691,017▲ $990,069
Net Assets / Fund Balance
Total Net Assets Fund Balance$40,508,672$41,529,786▲ $1,021,114
Total Liabilities and Net Assets / Fund Balance$345,209,620$347,220,803▲ $2,011,183

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,624,366$6,002,274$9,626,640
Equipment$971,339$7,867,668$8,839,007
Land$1,223,099-$1,223,099
Other Assets Org$3,700,000--
Compensation and Service Providers
Top Officer Pay8th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Keith BurtonPresidentFT$205,356$28,106$233,462
Tamara WoffordChief Financial OfficerFT$171,889$17,064$188,953

Board Members and Trustees

NameTitle
Nick HuniakChairperson
Kim FrantzCredit Committee Chair
Robert LylesVice Chairperson/secretary
Bert EnfieldBoard Member
Cecil WilliamsBoard Member
Jack ManionBoard Member
Ron JarrettBoard Member
Tom GradyBoard Member
George MitchellCredit Committee
Samuel AkemanCredit Committee
Larry PirtleSecretary
Barry StuartSupervisory Committee
Kenneth NewtonSupervisory Committee
Kenneth ShippSupervisory Committee
Scott SmallieSupervisory Committee
Jim DevineTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,610,260
Investment Income
$1,264,147
Other Revenue
$240,117
Change in Net Assets
$830,711

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,114,524
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$190,403
Total Revenue per Audited Statements
$20,304,927
Total Revenue per Form 990
$20,114,524
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,175,301
Salaries, Compensation, and Employee Benefits$7,108,512
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,653,924
Office Expenses---$3,624,728
Other Employee Benefits---$1,376,656
Fees for Services Other---$1,098,084
Depreciation Depletion---$829,021
Advertising---$556,930
Occupancy---$523,451
Payroll Taxes---$418,150
Current Officers, Directors, Trustees, and Key Employees---$377,245
Pension Plan Contributions---$282,537
Travel---$119,222
Fees for Services Legal---$52,712
Fees for Services Accounting---$50,400
Other Expenses---$42,526
All Other Expenses---$40,488
Total Functional Expenses$0$0$0$19,283,813

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$19,283,813
Total Expenses per Audited Statements$19,283,813
Total Expenses per Form 990$19,283,813
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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 Share Deposits$294,157,724
Dividends Payable$49,917
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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
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 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 A, Line 7A

“The board of directors is elected by the full membership of the credit union primarily via proxy vote. When a new member signs up with the credit union, they may also sign a proxy card stating that the directors can cast their votes on their behalf. At the annual membership meeting, the proxy votes are cast for the directors who are nominated from the board's ballot committee.”

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

“A copy of the form 990 was provided to the board of directors for review, approval 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 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
Gcs Credit Union
EIN
37-0646488
Phone
6187977993
Address
3970 MARYVILLE ROAD, GRANITE CITY, IL 62040

Signing Officer

Name
Keith Burton
Title
President
Phone
6187977993
Signed
2020-06-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Keith Burton
Formed
1941
Legal Domicile
Il
Voting Board Members
16
Independent Board Members
16
Employees
153
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
1 BRONZE POINTE, BELLEVILLE, IL 62226
Preparer
Jeff Parker
Phone
6182331200
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsibility for the selection of an independent auditor and oversight of the audit. This process has not changed from the prior years.”

Financial Statement Notes

PART X, LINE 2:

“Per note 1 of the audited financial statements: the credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2019 and 2018.”

Raw XML AppendixShowing 400 of 512 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/BOYAmt01568608
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01483376
IRS990/AccountsReceivableGrp/BOYAmt0777832
IRS990/AccountsReceivableGrp/EOYAmt0729031
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE COOPERATIVE FINANCIAL SERVICES TO ANYONE WHO LIVES, WORKS OR ATTENDS SCHOOL WITHIN THE FOLLOWING ILLINOIS COUNTIES: SANGAMON, LOGAN, MACON, MARION, JEFFERSON, PERRY, JACKSON, WILLIAMSON, JERSEY, MACOUPIN, MONTGOMERY, MADISON, BOND, CLINTON, ST. CLAIR, MONROE, WASHINGTON AND RANDOLPH.
IRS990/AdvertisingGrp/TotalAmt0556930
IRS990/AllOtherExpensesGrp/TotalAmt040488
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0TAMARA WOFFORD
IRS990/BooksInCareOfDetail/PhoneNum06187977993
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03970 MARYVILLE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0GRANITE CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd062040
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt03302442
IRS990/CashNonInterestBearingGrp/EOYAmt03111442
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0377245
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01264147
IRS990/CYOtherExpensesAmt012175301
IRS990/CYOtherRevenueAmt0240117
IRS990/CYProgramServiceRevenueAmt018610260
IRS990/CYRevenuesLessExpensesAmt0830711
IRS990/CYSalariesCompEmpBnftPaidAmt07108512
IRS990/CYTotalExpensesAmt019283813
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt020114524
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0829021
IRS990/Desc0PROVIDES COOPERATIVE FINANCIAL SERVICES TO 36,347 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0153
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt050400
IRS990/FeesForServicesLegalGrp/TotalAmt052712
IRS990/FeesForServicesOtherGrp/TotalAmt01098084
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt141.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt151.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd14X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd15X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1628106
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1717064
IRS990/Form990PartVIISectionAGrp/PersonNm0SAMUEL AKEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1JIM DEVINE
IRS990/Form990PartVIISectionAGrp/PersonNm2BERT ENFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm3KIM FRANTZ
IRS990/Form990PartVIISectionAGrp/PersonNm4TOM GRADY
IRS990/Form990PartVIISectionAGrp/PersonNm5NICK HUNIAK
IRS990/Form990PartVIISectionAGrp/PersonNm6RON JARRETT
IRS990/Form990PartVIISectionAGrp/PersonNm7ROBERT LYLES
IRS990/Form990PartVIISectionAGrp/PersonNm8JACK MANION
IRS990/Form990PartVIISectionAGrp/PersonNm9GEORGE MITCHELL
IRS990/Form990PartVIISectionAGrp/PersonNm10KENNETH NEWTON
IRS990/Form990PartVIISectionAGrp/PersonNm11LARRY PIRTLE
IRS990/Form990PartVIISectionAGrp/PersonNm12KENNETH SHIPP
IRS990/Form990PartVIISectionAGrp/PersonNm13SCOTT SMALLIE
IRS990/Form990PartVIISectionAGrp/PersonNm14BARRY STUART
IRS990/Form990PartVIISectionAGrp/PersonNm15CECIL WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm16KEITH BURTON
IRS990/Form990PartVIISectionAGrp/PersonNm17TAMARA WOFFORD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16205356
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17171889
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CREDIT COMMITTEE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE CHAIRPERSON/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt13SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt14SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHIEF FINANCIAL OFFICER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01941
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt018199
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt016
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0312665
IRS990/GrossReceiptsAmt020408990
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt016
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt01245948
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01245948
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01382133
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01382133
IRS990/InvestmentsPubTradedSecGrp/BOYAmt024868
IRS990/InvestmentsPubTradedSecGrp/EOYAmt017146
IRS990/IRPDocumentCnt05799
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt013869942
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06363217
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05818804
IRS990/LandBldgEquipCostOrOtherBssAmt019688746
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0294466
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE COOPERATIVE FINANCIAL SERVICES TO ANYONE WHO LIVES, WORKS OR ATTENDS SCHOOL WITHIN THE FOLLOWING ILLINOIS COUNTIES: SANGAMON, LOGAN, MACON, MARION, JEFFERSON, PERRY, JACKSON, WILLIAMSON, JERSEY, MACOUPIN, MONTGOMERY, MADISON, BOND, CLINTON, ST. CLAIR, MONROE, WASHINGTON AND RANDOLPH.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt010000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt010000000
IRS990/NetAssetsOrFundBalancesBOYAmt040508672
IRS990/NetAssetsOrFundBalancesEOYAmt041529786
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt018199
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt018199
IRS990/NetUnrelatedBusTxblIncmAmt0-1633
IRS990/NetUnrlzdGainsLossesInvstAmt0190403
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0523451
IRS990/OfficeExpensesGrp/TotalAmt03624728
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt017364507
IRS990/OtherAssetsTotalGrp/EOYAmt017715304
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01376656
IRS990/OtherExpensesGrp/Desc0UBIT EXPENSES
IRS990/OtherExpensesGrp/Desc1ALLOWANCE FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DIVIDENDS ON ACCOUNTS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt04158
IRS990/OtherExpensesGrp/TotalAmt12961525
IRS990/OtherExpensesGrp/TotalAmt22272056
IRS990/OtherExpensesGrp/TotalAmt342526
IRS990/OtherLiabilitiesGrp/BOYAmt0293132340
IRS990/OtherLiabilitiesGrp/EOYAmt0294207641
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0221825
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt118292
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0221825
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt118292
IRS990/OtherRevenueTotalAmt0240117
IRS990/OtherSalariesAndWagesGrp/TotalAmt04653924
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0284043962
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0254931825
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0418150
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0282537
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0KEITH BURTON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST-MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt013858366
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12579987
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22112322
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013858366
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12639572
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22112322
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt059585
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0496488
IRS990/PYOtherExpensesAmt011828830
IRS990/PYOtherRevenueAmt0476184
IRS990/PYProgramServiceRevenueAmt018468691
IRS990/PYRevenuesLessExpensesAmt0564859
IRS990/PYSalariesCompEmpBnftPaidAmt07047674
IRS990/PYTotalExpensesAmt018876504
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt019441363
IRS990/ReconcilationRevenueExpnssAmt0830711
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt040508672
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt041529786
IRS990/SavingsAndTempCashInvstGrp/BOYAmt031950659
IRS990/SavingsAndTempCashInvstGrp/EOYAmt063515118
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03624366
IRS990ScheduleD/BuildingsGrp/DepreciationAmt06002274
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09626640
IRS990ScheduleD/EquipmentGrp/BookValueAmt0971339
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07867668
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08839007
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt019283813
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01223099
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01223099
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0190403
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02938152
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt110017615
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt21031537
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt328000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt43700000
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1CASH SURRENDER VALUE OF LIFE INSURANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3FORECLOSED ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4SPLIT DOLLAR RECEIVABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt049917
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1294157724
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DIVIDENDS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBERS SHARE DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt0190403
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt020114524
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0PER NOTE 1 OF THE AUDITED FINANCIAL STATEMENTS: THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2019 AND 2018.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05818804
IRS990ScheduleD/TotalBookValueOtherAssetsAmt017715304
IRS990ScheduleD/TotalExpensesPerForm990Amt019283813
IRS990ScheduleD/TotalLiabilityAmt0294207641
IRS990ScheduleD/TotalRevenuePerForm990Amt020114524
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt020304927
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt019283813
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0205356
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1171889
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt025000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt117064
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$347,220,803
Liabilities
$305,691,017
Net assets
$41,529,786
Revenue
$20,114,524
Expenses
$19,283,813
Net income
$830,711
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$461$420$40.3$25.0$24.1$0.89
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$437$403$33.5$20.2$16.8$3.44
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$448$402$46.2$19.6$14.9$4.70
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$398$354$43.5$18.5$16.5$2.02
2019Detailed filing. Detailed filing data is available for this year.$347$306$41.5$20.1$19.3$0.83
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$345$305$40.5$19.4$18.9$0.56
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$328$289$39.7$18.0$17.2$0.83
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$323$285$38.7$16.8$15.9$0.92
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$313$275$37.4$16.2$15.1$1.13
2014Detailed filing. Detailed filing data is available for this year.$309$273$36.2$16.2$15.5$0.70