Civic Intelligence

Irse Credit Union

990 • Fiscal year 2019 • EIN 37-0699539

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 30, 2020

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

0.87x

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

2019 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2019

Liabilities / Revenue

87th percentile

24.77x

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

2019 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2019

Net Margin

69th percentile

15%

Higher net margin than 69% of similar nonprofits.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2019

Top Officer Pay

58th percentile

$56,228

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 18.4% of source-year revenue.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2019

Asset Growth

13th percentile

-5.7%

Faster asset growth than 13% of similar nonprofits.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2018 to 2019

Revenue Growth

41st percentile

3.6%

Faster revenue growth than 41% of similar nonprofits.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$8,663,290

Down $523,152 (-5.7%) from 2018

Net Assets

Up

$1,112,139

Up $45,373 (+4.3%) from 2018

Liabilities

Down

$7,551,151

Down $568,525 (-7.0%) from 2018

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin69th percentile

Revenue

Up

$304,816

Up $10,661 (+3.6%) from 2018

Expenses

Up

$259,443

Up $13,063 (+5.3%) from 2018

Net Income

Down

$45,373

Down $2,402 (-5.0%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth13th 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

2019

Assets$8,663,290
Liabilities$7,551,151
Net Assets$1,112,139
Open 2019 Filing

Operations Trend

Revenue Growth41st 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

2019

Revenue$304,816
Expenses$259,443
Net Income$45,373
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 30, 2020
Return Version
2019v5.1
Gross Receipts
$304,816
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$3,519,473$3,776,336▲ $256,863
Savings and Temporary Cash Investments$3,019,498$2,798,193▼ $221,305
Investments in Publicly Traded Securities$2,492,000$1,944,000▼ $548,000
Rtn Earn Endowment Incm Other Fnds$1,066,766$1,112,139▲ $45,373
Prepaid Expenses and Deferred Charges$44,184$32,887▼ $11,297
Cash and Non-Interest-Bearing Accounts$8,540$13,628▲ $5,088
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$9,186,442$8,663,290▼ $523,152
Other Assets Total$102,747$98,246▼ $4,501
Liabilities
Other Liabilities$8,108,828$7,538,136▼ $570,692
Accounts Payable and Accrued Expenses$10,848$13,015▲ $2,167
Total Liabilities$8,119,676$7,551,151▼ $568,525
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,066,766$1,112,139▲ $45,373
Total Liabilities and Net Assets / Fund Balance$9,186,442$8,663,290▼ $523,152

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$28,136$28,136
Land$0--
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kay BrownPresidentFT$53,592$2,636$56,228

Board Members and Trustees

NameTitle
Alex PratherChairman of the Board
Brent TippinVice-chairperson
Adam SuchomskiDirector
Bernard ColemanDirector
Cindy TaylorDirector
Courtney YantisDirector
Daniel MilliganDirector
Debbie HeldDirector
Frances TapiaDirector
Jennifer DarrowDirector
Wendell SheeleyDirector
Patricia McdermottSecretary
Doug BladeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$190,779
Investment Income
$114,037
Other Revenue
$0
Change in Net Assets
$45,373
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$150,750
Salaries, Compensation, and Employee Benefits$108,693
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$0$0$0$56,228
Office Expenses$0$0$0$49,627
Other Salaries and Wages$0$0$0$42,596
Information Technology$0$0$0$14,237
Fees for Services Accounting$0$0$0$12,618
Other Expenses$0$0$0$12,400
Depreciation Depletion$0$0$0$7,537
Payroll Taxes$0$0$0$7,097
Insurance$0$0$0$4,301
Other Employee Benefits$0$0$0$1,570
Pension Plan Contributions$0$0$0$1,202
Conferences and Meetings$0$0$0$372
Advertising$0$0$0$265
Interest$0$0$0$139
Total Functional Expenses$0$0$0$259,443
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' SHARES AND SAVINGS ACCOUNT$7,538,136
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
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
2020-04-30
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
4
Volunteers
13

Preparer

Firm
Lmhn Ltd
Address
900 N Webster St PO Box 87, Taylorville, IL 62568
Preparer
Iris Noblet Crites CPA
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 AppendixShowing 400 of 437 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt010848
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt013015
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO 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.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt00
IRS990/AdvertisingGrp/TotalAmt0265
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0KAY BROWN
IRS990/BooksInCareOfDetail/PhoneNum02177269595
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03101 CONSTITUTION DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd062704
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt08540
IRS990/CashNonInterestBearingGrp/EOYAmt013628
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt056228
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt00
IRS990/ConferencesMeetingsGrp/TotalAmt0372
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0114037
IRS990/CYOtherExpensesAmt0150750
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0190779
IRS990/CYRevenuesLessExpensesAmt045373
IRS990/CYSalariesCompEmpBnftPaidAmt0108693
IRS990/CYTotalExpensesAmt0259443
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0304816
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt00
IRS990/DepreciationDepletionGrp/TotalAmt07537
IRS990/Desc0Provided consumer lending and receive deposits from the Credit Union Membership. The Credit Union services in excess of 1,240 member share type accounts and 545 loan accounts, including Visa cards.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt00
IRS990/FeesForServicesAccountingGrp/TotalAmt012618
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
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/AverageHoursPerWeekRt1340.00
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/OfficerInd0X
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/OtherCompensationAmt132636
IRS990/Form990PartVIISectionAGrp/PersonNm0ALEX PRATHER
IRS990/Form990PartVIISectionAGrp/PersonNm1BRENT TIPPIN
IRS990/Form990PartVIISectionAGrp/PersonNm2PATRICIA MCDERMOTT
IRS990/Form990PartVIISectionAGrp/PersonNm3DOUG BLADE
IRS990/Form990PartVIISectionAGrp/PersonNm4DEBBIE HELD
IRS990/Form990PartVIISectionAGrp/PersonNm5BERNARD COLEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6WENDELL SHEELEY
IRS990/Form990PartVIISectionAGrp/PersonNm7JENNIFER DARROW
IRS990/Form990PartVIISectionAGrp/PersonNm8DANIEL MILLIGAN
IRS990/Form990PartVIISectionAGrp/PersonNm9FRANCES TAPIA
IRS990/Form990PartVIISectionAGrp/PersonNm10COURTNEY YANTIS
IRS990/Form990PartVIISectionAGrp/PersonNm11ADAM SUCHOMSKI
IRS990/Form990PartVIISectionAGrp/PersonNm12CINDY TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm13KAY BROWN
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/ReportableCompFromOrgAmt1353592
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/TitleTxt0CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01949
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt013
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0304816
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt013
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt00
IRS990/InformationTechnologyGrp/TotalAmt014237
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt04301
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt00
IRS990/InterestGrp/TotalAmt0139
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0114037
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt02492000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01944000
IRS990/IRPDocumentCnt0219
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt028136
IRS990/LandBldgEquipBasisNetGrp/BOYAmt00
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt028136
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO 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.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01066766
IRS990/NetAssetsOrFundBalancesEOYAmt01112139
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt049627
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0102747
IRS990/OtherAssetsTotalGrp/EOYAmt098246
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01570
IRS990/OtherExpensesGrp/Desc0ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt00
IRS990/OtherExpensesGrp/ProgramServicesAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt30
IRS990/OtherExpensesGrp/TotalAmt01636
IRS990/OtherExpensesGrp/TotalAmt134407
IRS990/OtherExpensesGrp/TotalAmt213211
IRS990/OtherExpensesGrp/TotalAmt312400
IRS990/OtherLiabilitiesGrp/BOYAmt08108828
IRS990/OtherLiabilitiesGrp/EOYAmt07538136
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt042596
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03519473
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03776336
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt07097
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01202
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt044184
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt032887
IRS990/PrincipalOfficerNm0KATY BROWN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0156193
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt134586
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0105080
IRS990/PYOtherExpensesAmt0141148
IRS990/PYProgramServiceRevenueAmt0189075
IRS990/PYRevenuesLessExpensesAmt047775
IRS990/PYSalariesCompEmpBnftPaidAmt0105232
IRS990/PYTotalExpensesAmt0246380
IRS990/PYTotalRevenueAmt0294155
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt045373
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01066766
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01112139
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03019498
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02798193
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt028136
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt028136
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07538136
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND SAVINGS ACCOUNT
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt07538136
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/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt09186442
IRS990/TotalAssetsEOYAmt08663290
IRS990/TotalAssetsGrp/BOYAmt09186442
IRS990/TotalAssetsGrp/EOYAmt08663290
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0259443
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08119676
IRS990/TotalLiabilitiesEOYAmt07551151
IRS990/TotalLiabilitiesGrp/BOYAmt08119676
IRS990/TotalLiabilitiesGrp/EOYAmt07551151
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01066766
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01112139
IRS990/TotalOtherCompensationAmt02636
IRS990/TotalProgramServiceRevenueAmt0190779
IRS990/TotalReportableCompFromOrgAmt053592
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0304816
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0304816
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09186442
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08663290
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03101 CONSTITUTION DRIVE
IRS990/USAddress/CityNm0SPRINGFIELD
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd062704
IRS990/VotingMembersGoverningBodyCnt013

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
$8,663,290
Liabilities
$7,551,151
Net assets
$1,112,139
Revenue
$304,816
Expenses
$259,443
Net income
$45,373
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