Civic Intelligence

Irse Credit Union

990 • Fiscal year 2016 • EIN 37-0699539

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 19, 2017

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

71st percentile

0.89x

Higher debt load relative to assets than 71% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

87th percentile

31.87x

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

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Net Margin

60th percentile

8.0%

Higher net margin than 60% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

46th percentile

$52,644

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 21.2% of source-year revenue.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Asset Growth

47th percentile

0.2%

Faster asset growth than 47% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

29th percentile

-1.9%

Faster revenue growth than 29% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$8,928,613

Up $15,559 (+0.2%) from 2015

Net Assets

Up

$1,005,481

Up $19,765 (+2.0%) from 2015

Liabilities

Down

$7,923,132

Down $4,206 (-0.1%) from 2015

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin60th percentile

Revenue

Down

$248,595

Down $4,780 (-1.9%) from 2015

Expenses

Down

$228,830

Down $21,384 (-8.5%) from 2015

Net Income

Up

$19,765

Up $16,604 (+525%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth47th 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

2016

Assets$8,928,613
Liabilities$7,923,132
Net Assets$1,005,481
Open 2016 Filing

Operations Trend

Revenue Growth29th 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

2016

Revenue$248,595
Expenses$228,830
Net Income$19,765
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 19, 2017
Return Version
2016v3.0
Gross Receipts
$248,595
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$4,131,277$4,002,788▼ $128,489
Savings and Temporary Cash Investments$1,596,582$3,089,783▲ $1,493,201
Investments in Publicly Traded Securities$3,032,825$1,695,000▼ $1,337,825
Rtn Earn Endowment Incm Other Fnds$985,716$1,005,481▲ $19,765
Prepaid Expenses and Deferred Charges$52,520$46,354▼ $6,166
Cash and Non-Interest-Bearing Accounts$4,759$4,586▼ $173
Land, Buildings, and Equipment, Net$421$128▼ $293
Total Assets$8,913,054$8,928,613▲ $15,559
Other Assets Total$94,670$89,974▼ $4,696
Liabilities
Other Liabilities$7,695,862$7,892,284▲ $196,422
Accounts Payable and Accrued Expenses$231,476$30,848▼ $200,628
Total Liabilities$7,927,338$7,923,132▼ $4,206
Net Assets / Fund Balance
Total Net Assets Fund Balance$985,716$1,005,481▲ $19,765
Total Liabilities and Net Assets / Fund Balance$8,913,054$8,928,613▲ $15,559

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$128$28,008$28,136
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleBaseOtherTotal
Kay BrownPresident$50,142$2,502$52,644

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
$191,031
Investment Income
$57,564
Other Revenue
$0
Change in Net Assets
$19,765
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$128,407
Salaries, Compensation, and Employee Benefits$100,423
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---$52,644
Office Expenses---$42,585
Other Salaries and Wages---$38,021
Fees for Services Accounting---$14,141
Information Technology---$13,767
Other Expenses---$9,998
Insurance---$7,906
Payroll Taxes---$7,176
Other Employee Benefits---$1,481
Pension Plan Contributions---$1,101
Interest---$519
Conferences and Meetings---$467
Advertising---$366
Depreciation Depletion---$292
Total Functional Expenses$0$0$0$228,830
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$7,892,284
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
2017-04-19
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
5
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 Appendix374 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/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND SAVINGS ACCOUNT
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0128
IRS990ScheduleD/TotalLiabilityAmt07892284
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/TotalAssetsBOYAmt08913054
IRS990/TotalAssetsEOYAmt08928613
IRS990/TotalAssetsGrp/BOYAmt08913054
IRS990/TotalAssetsGrp/EOYAmt08928613
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0228830
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07927338
IRS990/TotalLiabilitiesEOYAmt07923132
IRS990/TotalLiabilitiesGrp/BOYAmt07927338
IRS990/TotalLiabilitiesGrp/EOYAmt07923132
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0985716
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01005481
IRS990/TotalOtherCompensationAmt02502
IRS990/TotalProgramServiceRevenueAmt0191031
IRS990/TotalReportableCompFromOrgAmt050142
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0248595
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0248595
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08913054
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08928613
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KATY BROWN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02177269595
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-19
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/FilingSecurityInformation/AtSubmissionCreationDeviceId093E1282504AC20E44206A85625F9F2BE8223683E
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09BC8A9ED3246B4657A50282BDD4082D9D5CEA101
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt072.9.116.36
ReturnHeader/FilingSecurityInformation/IPDt02017-05-08
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm011:59:35
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/PreparationDt02017-05-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT J LIVELY
ReturnHeader/ReturnTs02017-05-08T12:01:42-07:00
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
$8,928,613
Liabilities
$7,923,132
Net assets
$1,005,481
Revenue
$248,595
Expenses
$228,830
Net income
$19,765
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