Civic Intelligence

Irse Credit Union

990 • Fiscal year 2015 • EIN 37-0699539

Jan 01, 2015 to Dec 31, 2015 • Filed on May 02, 2016

Organization ProfileN/A
3101 Constitution DriveSpringfield, IL 62704

(217) 726-9595

Siviq Scores

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

Liabilities / Assets

74th percentile

0.89x

Higher debt load relative to assets than 74% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

87th percentile

31.29x

Higher debt load relative to revenue than 87% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

33rd percentile

1.2%

Higher net margin than 33% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

46th percentile

$51,878

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 20.5% of source-year revenue.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

43rd percentile

1.0%

Faster asset growth than 43% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

75th percentile

6.5%

Faster revenue growth than 75% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$8,913,054

Up $88,455 (+1.0%) from 2014

Net Assets

Up

$985,716

Up $3,161 (+0.3%) from 2014

Liabilities

Up

$7,927,338

Up $85,294 (+1.1%) from 2014

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin33rd percentile

Revenue

Up

$253,375

Up $15,390 (+6.5%) from 2014

Expenses

Down

$250,214

Down $10,463 (-4.0%) from 2014

Net Income

Up

$3,161

Up $25,853 (+114%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth43rd percentile

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

$10M$5.0M$0Assets 2014: $8,824,599Liabilities 2014: $7,842,044Net Assets 2014: $982,5552014Assets 2015: $8,913,054Liabilities 2015: $7,927,338Net Assets 2015: $985,7162015Assets 2016: $8,928,613Liabilities 2016: $7,923,132Net Assets 2016: $1,005,4812016Assets 2017: $9,150,654Liabilities 2017: $8,131,663Net Assets 2017: $1,018,9912017Assets 2018: $9,186,442Liabilities 2018: $8,119,676Net Assets 2018: $1,066,7662018Assets 2019: $8,663,290Liabilities 2019: $7,551,151Net Assets 2019: $1,112,1392019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2015

Assets$8,913,054
Liabilities$7,927,338
Net Assets$985,716
Open 2015 Filing

Operations Trend

Revenue Growth75th percentile

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

$400K$300K$200K$100K$0-$100KRevenue 2014: $237,985Expenses 2014: $260,677Net Income 2014: -$22,6922014Revenue 2015: $253,375Expenses 2015: $250,214Net Income 2015: $3,1612015Revenue 2016: $248,595Expenses 2016: $228,830Net Income 2016: $19,7652016Revenue 2017: $259,931Expenses 2017: $246,421Net Income 2017: $13,5102017Revenue 2018: $294,155Expenses 2018: $246,380Net Income 2018: $47,7752018Revenue 2019: $304,816Expenses 2019: $259,443Net Income 2019: $45,3732019Revenue 2020: $165,869Expenses 2020: $252,996Net Income 2020: -$87,1272020

Highlighted filing

2015

Revenue$253,375
Expenses$250,214
Net Income$3,161
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 2, 2016
Return Version
2015v2.1
Gross Receipts
$253,375
Mission and Program Overview

Mission

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$3,694,283$4,131,277▲ $436,994
Investments in Publicly Traded Securities$3,532,187$3,032,825▼ $499,362
Savings and Temporary Cash Investments$1,450,630$1,596,582▲ $145,952
Rtn Earn Endowment Incm Other Fnds$982,555$985,716▲ $3,161
Prepaid Expenses and Deferred Charges$44,075$52,520▲ $8,445
Cash and Non-Interest-Bearing Accounts$12,079$4,759▼ $7,320
Land, Buildings, and Equipment, Net$713$421▼ $292
Total Assets$8,824,599$8,913,054▲ $88,455
Other Assets Total$90,632$94,670▲ $4,038
Liabilities
Other Liabilities$7,825,810$7,695,862▼ $129,948
Accounts Payable and Accrued Expenses$16,234$231,476▲ $215,242
Total Liabilities$7,842,044$7,927,338▲ $85,294
Net Assets / Fund Balance
Total Net Assets Fund Balance$982,555$985,716▲ $3,161
Total Liabilities and Net Assets / Fund Balance$8,824,599$8,913,054▲ $88,455

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$421$27,715$28,136
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleBaseOtherTotal
Kay BrownPresident$49,354$2,524$51,878

Board Members and Trustees

NameTitle
Alex PratherChairman of the Board
Brent TippinVice-chairperson
Adam SuchomskiDirector
Bernard ColemanDirector
Cindy TaylorDirector
Dana ParadaDirector
Daniel MilliganDirector
Deborah HeldDirector
Jennifer DarrowDirector
Nathan ClarkDirector
Tim RothDirector
Patricia McdermottSecretary
Doug BladeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$190,361
Investment Income
$63,014
Other Revenue
$0
Change in Net Assets
$3,161
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$147,672
Salaries, Compensation, and Employee Benefits$102,542
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$51,878
Office Expenses---$44,084
Other Salaries and Wages---$39,473
Other Expenses---$21,041
Information Technology---$14,295
Fees for Services Accounting---$12,664
Insurance---$7,974
Payroll Taxes---$7,212
Pension Plan Contributions---$2,617
Other Employee Benefits---$1,362
Conferences and Meetings---$673
Depreciation Depletion---$292
Advertising---$230
Interest---$58
Total Functional Expenses$0$0$0$250,214
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS ACCOUNT$7,695,862
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
Filing and Contact Details

Filer

Filer Name
Irse Credit Union
EIN
37-0699539
Phone
2177269595
Address
3101 CONSTITUTION DRIVE, SPRINGFIELD, IL 62704

Signing Officer

Name
Katy Brown
Title
President
Phone
2177269595
Signed
2016-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Katy Brown
Formed
1949
Legal Domicile
Il
Voting Board Members
13
Independent Board Members
13
Employees
7
Volunteers
13

Preparer

Firm
Lmhn Ltd
Address
900 N Webster St PO Box 87, Taylorville, IL 62568
Preparer
Brent J Lively
Phone
2178249661
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“The credit union is a member owned financial institution.”

Pt VI, Line 7A

“The governing body is elected from and by the membership”

Pt VI, Line 7A

“ANNUALLY.”

Pt VI, Line 7B

“From time to time, certain decisions will be presented to”

Pt VI, Line 7B

“The membership for a vote, which is determined on a case”

Pt VI, Line 7B

“BY CASE BASIS.”

Pt VI, Line 11B

“We do not provide a copy of form 990 to the board of”

Pt VI, Line 11B

“Directors prior to filing the forms. However, form 990”

Pt VI, Line 11B

“Is reviewed and approved by the board subsequent to its”

Pt VI, Line 11B

“FILING.”

Pt VI, Line 19

“The credit union's governing documents and financial”

Pt VI, Line 19

“Statements are available to the public upon request.”

Raw XML Appendix367 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.

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IRS990ScheduleD/TotalLiabilityAmt07695862
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MEMBERSHIP FOR A VOTE, WHICH IS DETERMINED ON A CASE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6WE DO NOT PROVIDE A COPY OF FORM 990 TO THE BOARD OF
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DIRECTORS PRIOR TO FILING THE FORMS. HOWEVER, FORM 990
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8IS REVIEWED AND APPROVED BY THE BOARD SUBSEQUENT TO ITS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10THE CREDIT UNION'S GOVERNING DOCUMENTS AND FINANCIAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VI, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt08824599
IRS990/TotalAssetsEOYAmt08913054
IRS990/TotalAssetsGrp/BOYAmt08824599
IRS990/TotalAssetsGrp/EOYAmt08913054
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt0250214
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07842044
IRS990/TotalLiabilitiesEOYAmt07927338
IRS990/TotalLiabilitiesGrp/BOYAmt07842044
IRS990/TotalLiabilitiesGrp/EOYAmt07927338
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0982555
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0985716
IRS990/TotalOtherCompensationAmt02524
IRS990/TotalProgramServiceRevenueAmt0190361
IRS990/TotalReportableCompFromOrgAmt049354
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0253375
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0253375
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08824599
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08913054
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt03101 CONSTITUTION DRIVE
IRS990/USAddress/CityNm0SPRINGFIELD
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd062704
IRS990/VotingMembersGoverningBodyCnt013
IRS990/VotingMembersIndependentCnt013
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KATY BROWN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02177269595
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0IRSE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0IRSE
ReturnHeader/Filer/EIN0370699539
ReturnHeader/Filer/PhoneNum02177269595
ReturnHeader/Filer/USAddress/AddressLine1Txt03101 CONSTITUTION DRIVE
ReturnHeader/Filer/USAddress/CityNm0SPRINGFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062704
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LMHN LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0900 N Webster St PO Box 87
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Taylorville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd062568
ReturnHeader/PreparerPersonGrp/PhoneNum02178249661
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT J LIVELY
ReturnHeader/ReturnTs02016-05-13T05:38:37-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,913,054
Liabilities
$7,927,338
Net assets
$985,716
Revenue
$253,375
Expenses
$250,214
Net income
$3,161
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.17$0.25$0.09
2019Detailed filing. Detailed filing data is available for this year.$8.66$7.55$1.11$0.30$0.26$0.05
2018Detailed filing. Detailed filing data is available for this year.$9.19$8.12$1.07$0.29$0.25$0.05
2017Detailed filing. Detailed filing data is available for this year.$9.15$8.13$1.02$0.26$0.25$0.01
2016Detailed filing. Detailed filing data is available for this year.$8.93$7.92$1.01$0.25$0.23$0.02
2015Detailed filing. Detailed filing data is available for this year.$8.91$7.93$0.99$0.25$0.25$0.00
2014Detailed filing. Detailed filing data is available for this year.$8.82$7.84$0.98$0.24$0.26$0.02