Civic Intelligence

Decatur Postal Credit Union

990 • Fiscal year 2016 • EIN 37-0712846

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 12, 2017

Organization ProfileN/A
214 N Franklin StDecatur, IL 62523

(217) 428-8333

Siviq Scores

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

Liabilities / Assets

58th percentile

0.87x

Higher debt load relative to assets than 58% of similar nonprofits.

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

Liabilities / Revenue

94th percentile

38.99x

Higher debt load relative to revenue than 94% of similar nonprofits.

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

Net Margin

75th percentile

12%

Higher net margin than 75% of similar nonprofits.

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

Top Officer Pay

26th percentile

$37,580

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 19.0% of source-year revenue.

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

Asset Growth

17th percentile

-3.8%

Faster asset growth than 17% of similar nonprofits.

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

Revenue Growth

43rd percentile

0.8%

Faster revenue growth than 43% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$8,881,281

Down $352,665 (-3.8%) from 2015

Net Assets

Up

$1,151,651

Up $24,109 (+2.1%) from 2015

Liabilities

Down

$7,729,630

Down $376,774 (-4.6%) from 2015

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin75th percentile

Revenue

Up

$198,231

Up $1,570 (+0.8%) from 2015

Expenses

Up

$174,122

Up $13,643 (+8.5%) from 2015

Net Income

Down

$24,109

Down $12,073 (-33%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$15M$10M$5.0M$0Assets 2010: $10,144,062Liabilities 2010: $9,307,804Net Assets 2010: $836,2582010Assets 2011: $10,573,486Liabilities 2011: $9,649,195Net Assets 2011: $924,2912011Assets 2012: $10,435,223Liabilities 2012: $9,427,994Net Assets 2012: $1,007,2292012Assets 2013: $10,263,345Liabilities 2013: $9,179,821Net Assets 2013: $1,083,5242013Assets 2014: $9,835,778Liabilities 2014: $8,744,418Net Assets 2014: $1,091,3602014Assets 2015: $9,233,946Liabilities 2015: $8,106,404Net Assets 2015: $1,127,5422015Assets 2016: $8,881,281Liabilities 2016: $7,729,630Net Assets 2016: $1,151,6512016Assets 2017: $8,877,625Liabilities 2017: $7,719,714Net Assets 2017: $1,157,9112017Assets 2018: $7,827,351Liabilities 2018: $6,650,708Net Assets 2018: $1,176,6432018Assets 2019: $7,257,126Liabilities 2019: $6,016,908Net Assets 2019: $1,240,2182019Assets 2020: $7,119,126Liabilities 2020: $5,850,932Net Assets 2020: $1,268,1942020Assets 2021: $7,287,162Liabilities 2021: $5,957,495Net Assets 2021: $1,329,6672021Assets 2022: $6,897,440Liabilities 2022: $5,555,961Net Assets 2022: $1,341,4792022Assets 2023: $6,573,415Liabilities 2023: $5,175,176Net Assets 2023: $1,398,2392023Assets 2024: $6,556,532Liabilities 2024: $5,136,003Net Assets 2024: $1,420,5292024

Highlighted filing

2016

Assets$8,881,281
Liabilities$7,729,630
Net Assets$1,151,651
Open 2016 Filing

Operations Trend

Revenue Growth43rd percentile

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

$400K$300K$200K$100K$0Expenses 2010: $392,0072010Expenses 2011: $273,9492011Expenses 2012: $241,1222012Revenue 2013: $265,016Expenses 2013: $188,721Net Income 2013: $76,2952013Revenue 2014: $209,711Expenses 2014: $201,875Net Income 2014: $7,8362014Revenue 2015: $196,661Expenses 2015: $160,479Net Income 2015: $36,1822015Revenue 2016: $198,231Expenses 2016: $174,122Net Income 2016: $24,1092016Revenue 2017: $212,995Expenses 2017: $206,735Net Income 2017: $6,2602017Revenue 2018: $238,161Expenses 2018: $219,429Net Income 2018: $18,7322018Revenue 2019: $252,354Expenses 2019: $196,779Net Income 2019: $55,5752019Revenue 2020: $198,267Expenses 2020: $170,291Net Income 2020: $27,9762020Revenue 2021: $224,604Expenses 2021: $163,131Net Income 2021: $61,4732021Revenue 2022: $171,922Expenses 2022: $160,110Net Income 2022: $11,8122022Revenue 2023: $278,832Expenses 2023: $222,072Net Income 2023: $56,7602023Revenue 2024: $303,106Expenses 2024: $280,816Net Income 2024: $22,2902024

Highlighted filing

2016

Revenue$198,231
Expenses$174,122
Net Income$24,109
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 12, 2017
Return Version
2016v3.0
Gross Receipts
$198,231
Mission and Program Overview

Mission

We are a credit union serving our

We are a credit union serving our members with a place for loans and a place to save their money.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,894,136$3,858,744▲ $964,608
Investments in Publicly Traded Securities$4,291,200$2,836,200▼ $1,455,000
Other Notes and Loans Receivable, Net$1,856,260$2,029,520▲ $173,260
Rtn Earn Endowment Incm Other Fnds$1,127,542$1,151,651▲ $24,109
Cash and Non-Interest-Bearing Accounts$98,479$71,163▼ $27,316
Land, Buildings, and Equipment, Net$5,897$4,700▼ $1,197
Prepaid Expenses and Deferred Charges$577--
Total Assets$9,233,946$8,881,281▼ $352,665
Other Assets Total$87,397$80,954▼ $6,443
Liabilities
Other Liabilities$8,095,394$7,725,447▼ $369,947
Accounts Payable and Accrued Expenses$11,010$4,183▼ $6,827
Total Liabilities$8,106,404$7,729,630▼ $376,774
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,127,542$1,151,651▲ $24,109
Total Liabilities and Net Assets / Fund Balance$9,233,946$8,881,281▼ $352,665

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,700$31,334$36,034
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Melissa WrightManagerPT$37,580$37,580

Board Members and Trustees

NameTitle
Becky FlandersChairperson
Jerry BrunsonVice Chairman
Joyce BeggsDirector
Robert BertiniDirector
Theodore BornDirector
Patricia MckeeSecretary
Jeff BlackburnTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$114,904
Investment Income
$83,327
Other Revenue
$0
Change in Net Assets
$24,109
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$110,104
Salaries, Compensation, and Employee Benefits$64,018
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---$37,580
Information Technology---$23,090
Other Salaries and Wages---$21,542
Fees for Services Accounting---$16,154
Office Expenses---$11,785
Insurance---$7,481
Advertising---$4,984
Payroll Taxes---$4,896
Conferences and Meetings---$3,752
Other Expenses---$3,523
Fees for Services Legal---$2,742
Depreciation Depletion---$1,197
Occupancy---$1
Total Functional Expenses$0$0$0$174,122
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
Member Shares$7,725,447
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
Decatur Postal Credit Union
EIN
37-0712846
Phone
2174288333
Address
214 N FRANKLIN ST, DECATUR, IL 62523

Signing Officer

Name
Melissa Wright
Title
Manager
Phone
2174288333
Signed
2017-04-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Becky Flanders
Formed
1938
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
7

Preparer

Firm
Lmhn Ltd
Address
900 N Webster St PO Box 87, Taylorville, IL 62568
Preparer
Iris Noblet Crites
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 annually.”

Pt VI, Line 7B

“From time to time, certain decisions will be presented to the membership for a vote, which is determined on a case by case basis.”

Pt VI, Line 11B

“Copies of the 990 were supplied to board members.”

Pt VI, Line 19

“All documents are available to members upon request. Financial statements are givien to all members attending the annual meeting and are available to all other members upon request.”

Raw XML Appendix315 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO THE MEMBERSHIP FOR A VOTE, WHICH IS DETERMINED ON A CASE BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COPIES OF THE 990 WERE SUPPLIED TO BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL DOCUMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST. FINANCIAL STATEMENTS ARE GIVIEN TO ALL MEMBERS ATTENDING THE ANNUAL MEETING AND ARE AVAILABLE TO ALL OTHER MEMBERS UPON REQUEST.
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0198231
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09233946
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08881281
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0214 N FRANKLIN ST
IRS990/USAddress/CityNm0DECATUR
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd062523
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MELISSA WRIGHT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum02174288333
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DECATUR POSTAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0DECA
ReturnHeader/Filer/EIN0370712846
ReturnHeader/Filer/PhoneNum02174288333
ReturnHeader/Filer/USAddress/AddressLine1Txt0214 N FRANKLIN ST
ReturnHeader/Filer/USAddress/CityNm0DECATUR
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId012146CA28C5E086AB50B7951BD028DB4BADE61DD
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ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt072.9.116.36
ReturnHeader/FilingSecurityInformation/IPDt02017-05-05
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm005:14:33
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/PreparationDt02017-05-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0IRIS NOBLET CRITES
ReturnHeader/ReturnTs02017-05-05T05:15:24-07:00
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
$8,881,281
Liabilities
$7,729,630
Net assets
$1,151,651
Revenue
$198,231
Expenses
$174,122
Net income
$24,109
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6.56$5.14$1.42$0.30$0.28$0.02
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.57$5.18$1.40$0.28$0.22$0.06
2022Detailed filing. Detailed filing data is available for this year.$6.90$5.56$1.34$0.17$0.16$0.01
2021Detailed filing. Detailed filing data is available for this year.$7.29$5.96$1.33$0.22$0.16$0.06
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.12$5.85$1.27$0.20$0.17$0.03
2019Detailed filing. Detailed filing data is available for this year.$7.26$6.02$1.24$0.25$0.20$0.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.83$6.65$1.18$0.24$0.22$0.02
2017Detailed filing. Detailed filing data is available for this year.$8.88$7.72$1.16$0.21$0.21$0.01
2016Detailed filing. Detailed filing data is available for this year.$8.88$7.73$1.15$0.20$0.17$0.02
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.23$8.11$1.13$0.20$0.16$0.04
2014Detailed filing. Detailed filing data is available for this year.$9.84$8.74$1.09$0.21$0.20$0.01
2013Detailed filing. Detailed filing data is available for this year.$10.3$9.18$1.08$0.27$0.19$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$9.43$1.01$0.24
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.6$9.65$0.92$0.27
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.1$9.31$0.84$0.39