Civic Intelligence

Decatur Postal Credit Union

990 • Fiscal year 2017 • EIN 37-0712846

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 23, 2018

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.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

94th percentile

36.24x

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

46th percentile

2.9%

Higher net margin than 46% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

28th percentile

$38,991

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 18.3% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

44th percentile

-0.0%

Faster asset growth than 44% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

75th percentile

7.4%

Faster revenue growth than 75% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$8,877,625

Down $3,656 (-0.0%) from 2016

Net Assets

Up

$1,157,911

Up $6,260 (+0.5%) from 2016

Liabilities

Down

$7,719,714

Down $9,916 (-0.1%) from 2016

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin46th percentile

Revenue

Up

$212,995

Up $14,764 (+7.4%) from 2016

Expenses

Up

$206,735

Up $32,613 (+19%) from 2016

Net Income

Down

$6,260

Down $17,849 (-74%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth44th 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

2017

Assets$8,877,625
Liabilities$7,719,714
Net Assets$1,157,911
Open 2017 Filing

Operations Trend

Revenue Growth75th 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

2017

Revenue$212,995
Expenses$206,735
Net Income$6,260
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 23, 2018
Return Version
2017v2.2
Gross Receipts
$212,995
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$3,858,744$3,348,661▼ $510,083
Investments in Publicly Traded Securities$2,836,200$3,114,200▲ $278,000
Other Notes and Loans Receivable, Net$2,029,520$2,153,318▲ $123,798
Rtn Earn Endowment Incm Other Fnds$1,151,651$1,157,911▲ $6,260
Cash and Non-Interest-Bearing Accounts$71,163$181,117▲ $109,954
Land, Buildings, and Equipment, Net$4,700$3,075▼ $1,625
Total Assets$8,881,281$8,877,625▼ $3,656
Other Assets Total$80,954$77,254▼ $3,700
Liabilities
Other Liabilities$7,725,447$7,707,613▼ $17,834
Accounts Payable and Accrued Expenses$4,183$12,101▲ $7,918
Total Liabilities$7,729,630$7,719,714▼ $9,916
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,151,651$1,157,911▲ $6,260
Total Liabilities and Net Assets / Fund Balance$8,881,281$8,877,625▼ $3,656

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,075$32,960$36,035
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Melissa WrightManagerPT$38,991$38,991

Board Members and Trustees

NameTitle
Patricia MckeeChairperson
Robert BertiniVice Chairperson
Becky FlandersDirector
Jerry BrunsonDirector
Joyce BeggsDirector
Norman KeelDirector
Samuel TrippiediDirector
Jeff BlackburnSecretary
Chris BarteckTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$132,415
Investment Income
$80,580
Other Revenue
$0
Change in Net Assets
$6,260
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$141,740
Salaries, Compensation, and Employee Benefits$64,995
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---$38,991
Information Technology---$25,233
Other Salaries and Wages---$21,096
Fees for Services Accounting---$14,342
Office Expenses---$12,588
Conferences and Meetings---$7,865
Insurance---$7,021
Advertising---$5,148
Payroll Taxes---$4,908
Fees for Services Legal---$4,465
Other Expenses---$3,173
Depreciation Depletion---$1,625
Occupancy---$1
Total Functional Expenses$0$0$0$206,735
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$7,707,613
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
Yes
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
2018-04-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Melissa Wright
Formed
1928
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
3
Volunteers
9

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.”

Pt VI, Line 4

“The number of governing board members increased from 7 to 9 members.”

Raw XML Appendix330 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE NUMBER OF GOVERNING BOARD MEMBERS INCREASED FROM 7 TO 9 MEMBERS.
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/BOYAmt08881281
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IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0206735
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07729630
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IRS990/TotalProgramServiceRevenueAmt0132415
IRS990/TotalReportableCompFromOrgAmt038991
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0212995
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0212995
IRS990/TotalVolunteersCnt09
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IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
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IRS990/USAddress/ZIPCd062523
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
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ReturnHeader/BusinessOfficerGrp/PhoneNum02174288333
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-23
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ReturnHeader/FilingSecurityInformation/IPTm006:06:14
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Taylorville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
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ReturnHeader/PreparerPersonGrp/PhoneNum02178249661
ReturnHeader/PreparerPersonGrp/PreparationDt02018-05-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0IRIS NOBLET CRITES
ReturnHeader/ReturnTs02018-05-07T06:08:02-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,877,625
Liabilities
$7,719,714
Net assets
$1,157,911
Revenue
$212,995
Expenses
$206,735
Net income
$6,260
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