Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
Liabilities / Revenue
56th percentile
Higher debt load relative to revenue than 56% of similar nonprofits.
Net Margin
45th percentile
Higher net margin than 45% of similar nonprofits.
Top Officer Pay
3rd percentile
Higher top officer pay than 3% of similar nonprofits.
Top officer pay equals 1.2% of source-year revenue.
Asset Growth
43rd percentile
Faster asset growth than 43% of similar nonprofits.
Revenue Growth
67th percentile
Faster revenue growth than 67% of similar nonprofits.
Assets
Up$307,205,937
Up $15,608,896 (+5.4%) from 2014
Net Assets
Up$26,776,803
Up $1,850,836 (+7.4%) from 2014
Liabilities
Up$280,429,134
Up $13,758,060 (+5.2%) from 2014
Revenue
Up$14,983,459
Up $1,194,936 (+8.7%) from 2014
Expenses
Up$13,097,084
Up $824,661 (+6.7%) from 2014
Net Income
Up$1,886,375
Up $370,275 (+24%) from 2014
To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $178,264,362 | $195,560,765 | ▲ $17,296,403 |
| Investments Other Securities | $71,434,143 | $64,284,212 | ▼ $7,149,931 |
| Savings and Temporary Cash Investments | $26,045,578 | $32,000,112 | ▲ $5,954,534 |
| Rtn Earn Endowment Incm Other Fnds | $24,925,967 | $26,776,803 | ▲ $1,850,836 |
| Land, Buildings, and Equipment, Net | $6,159,979 | $6,009,716 | ▼ $150,263 |
| Cash and Non-Interest-Bearing Accounts | $4,827,426 | $4,201,814 | ▼ $625,612 |
| Prepaid Expenses and Deferred Charges | $835,543 | $853,588 | ▲ $18,045 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $291,597,041 | $307,205,937 | ▲ $15,608,896 |
| Other Assets Total | $4,030,010 | $4,295,730 | ▲ $265,720 |
| Liabilities | |||
| Other Liabilities | $264,351,277 | $277,926,998 | ▲ $13,575,721 |
| Accounts Payable and Accrued Expenses | $2,319,797 | $2,502,136 | ▲ $182,339 |
| Total Liabilities | $266,671,074 | $280,429,134 | ▲ $13,758,060 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $24,925,967 | $26,776,803 | ▲ $1,850,836 |
| Total Liabilities and Net Assets / Fund Balance | $291,597,041 | $307,205,937 | ▲ $15,608,896 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $1,043,306 | $7,020,449 | $8,063,755 |
| Buildings | $3,913,495 | $3,224,334 | $7,137,829 |
| Land | $1,052,915 | - | $1,052,915 |
| Other Securities | $2,195,941 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Dennis Schaefer | CEO | FT | $142,671 | $36,683 | $179,354 |
| Mike Lantrip | VP Finance | FT | $79,264 | $15,512 | $94,776 |
| Brian Maurizio | VP Information Technology | FT | $73,352 | $14,379 | $87,731 |
| Stacy Callahan | VP Lending | FT | $72,232 | $15,031 | $87,263 |
| Tracy Ingersoll | VP Human Resources | FT | $72,157 | $14,277 | $86,434 |
| Kim Babington | VP Business Development | FT | $60,092 | $14,331 | $74,423 |
| Erica Pankey | VP Operations | FT | $50,345 | $12,561 | $62,906 |
| Jarrod Lewis | VP Operations | FT | $41,148 | $8,761 | $49,909 |
| Name | Title |
|---|---|
| Susan Dallas-willis | Chairperson |
| Barbara Humphrey | Vice Chairperson |
| Gary Drake | Director |
| Namdar Mogharreban | Director |
| Richard Parrish | Director |
| Thomas Lindquist | Director |
| William Capie | Director |
| Kenneth Burnett | Secretary |
| Keith Mcdannel | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $8,175,512 |
| Salaries, Compensation, and Employee Benefits | $4,916,572 |
| Grants and Similar Amounts Paid | $5,000 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $3,020,317 |
| Fees for Services Other | - | - | - | $1,357,508 |
| Information Technology | - | - | - | $951,235 |
| Depreciation Depletion | - | - | - | $725,791 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $722,796 |
| Office Expenses | - | - | - | $721,762 |
| Other Employee Benefits | - | - | - | $653,026 |
| Occupancy | - | - | - | $441,713 |
| Payroll Taxes | - | - | - | $317,872 |
| Advertising | - | - | - | $296,917 |
| Pension Plan Contributions | - | - | - | $202,561 |
| Conferences and Meetings | - | - | - | $143,453 |
| Insurance | - | - | - | $116,667 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $115,264 |
| Fees for Services Accounting | - | - | - | $114,215 |
| Other Expenses | - | - | - | $44,889 |
| Travel | - | - | - | $13,947 |
| All Other Expenses | - | - | - | $9,466 |
| Grants to Domestic Individuals | - | - | - | $5,000 |
| Total Functional Expenses | $0 | $0 | $0 | $13,097,084 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $13,097,084 |
| Total Expenses per Audited Statements | $13,097,084 |
| Total Expenses per Form 990 | $13,097,084 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Share Deposits | $277,926,998 |
“The credit union is mutually owned by members.”
“The board of directors are elected by the credit union members.”
“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”
“The credit union provides data to an outside accounting firm to complete the form 990. Upon completion, it is reviewed by management and the president/ceo before filing.”
“On an annual basis, all officers, directors, and committee members are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”
“The board of directors reviews the president/ceo's performance and determines compensation pursuant to a signed employment contract. All other management compensation is determined by the president/ceo and is presented as part of the budget package to the board of directors for approval. The board's deliberations and decisions are documented in the minutes.”
“Financial statements are posted in the lobby, presented at the annual meeting, and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”
“Net assets acquired pursuant to merger 37,536.”
“The credit union is exempt by statute from federal income taxes except for certain products and services which have been deemed by the internal revenue service (irs) to be unrelated to the credit union's exempt purpose. As presented in technical advice memorandums, the net taxable income from these products and services is subject to income taxes under the unrelated business income tax (ubit) regulations. In management's opinion, the credit union has no unrelated taxable business income and no accrual has been recorded. Taxing authorities have the ability to assess taxes, penalties and interest for any years for which no tax return was filed. In the opinion of management, the estimated liability for any potential tax assessment would not have a material effect on the credit union's financial position or results of operations.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 2319797 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 2502136 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 296917 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 9466 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | MIKE LANTRIP |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6184573595 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 395 N GIANT CITY ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | CARBONDALE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 629026403 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 4827426 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 4201814 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 722796 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 143453 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 5000 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1301902 |
| IRS990/CYOtherExpensesAmt | 0 | 8175512 |
| IRS990/CYOtherRevenueAmt | 0 | 67135 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 13614422 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1886375 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 4916572 |
| IRS990/CYTotalExpensesAmt | 0 | 13097084 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 14983459 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 725791 |
| IRS990/Desc | 0 | PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 36,805 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 128 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 114215 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 1357508 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 115264 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 24411 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 15512 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 14277 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 15031 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 14379 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 14331 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 8761 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 12561 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | SUSAN DALLAS-WILLIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | BARBARA HUMPHREY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | KENNETH BURNETT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | KEITH MCDANNEL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | WILLIAM CAPIE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | RICHARD PARRISH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | GARY DRAKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | THOMAS LINDQUIST |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | NAMDAR MOGHARREBAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | DENNIS SCHAEFER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | MIKE LANTRIP |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | TRACY INGERSOLL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | STACY CALLAHAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | BRIAN MAURIZIO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | KIM BABINGTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | JARROD LEWIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | ERICA PANKEY |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 154943 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 79264 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 72157 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 72232 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 73352 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 60092 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 41148 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 50345 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VP FINANCE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VP HUMAN RESOURCES |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP LENDING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | VP INFORMATION TECHNOLOGY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | VP BUSINESS DEVELOPMENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | VP OPERATIONS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | VP OPERATIONS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1938 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -1975 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 5000 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 125929 |
| IRS990/GrossReceiptsAmt | 0 | 15111363 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 951235 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 116667 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1303877 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1303877 |
| IRS990/InvestmentInJointVentureInd | 0 | 1 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 71434143 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 64284212 |
| IRS990/IRPDocumentCnt | 0 | 7133 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 10244783 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 6159979 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 6009716 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 16254499 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 127904 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 24925967 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 26776803 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -1975 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -1975 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -71108 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -73075 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 441713 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 721762 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 4030010 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 4295730 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 37536 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 653026 |
| IRS990/OtherExpensesGrp/Desc | 0 | MEMBER DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 3 | ASSOCIATION DUES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1395050 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 1259973 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 467662 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 44889 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 264351277 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 277926998 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | GAIN ON CUSO INVESTMENT |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 19154 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 19154 |
| IRS990/OtherRevenueTotalAmt | 0 | 19154 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 3020317 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 178264362 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 195560765 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 317872 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 202561 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 835543 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 853588 |
| IRS990/PrincipalOfficerNm | 0 | MIKE LANTRIP |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES & OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | NON-MEMBER ATM FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | WARRANTY SALES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 8145307 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 5388296 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 8145307 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 5388429 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 53886 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 26800 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 133 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 53886 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 26800 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 23,166 LOANS OUTSTANDING TOTALING $197,379,465. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $1,395,050 FOR THE YEAR. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 5000 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1398602 |
| IRS990/PYOtherExpensesAmt | 0 | 7798290 |
| IRS990/PYOtherRevenueAmt | 0 | 69750 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 12320171 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1516100 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 4469133 |
| IRS990/PYTotalExpensesAmt | 0 | 12272423 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 13788523 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1886375 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 47981 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 47981 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 24925967 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 26776803 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 26045578 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 32000112 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3913495 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 3224334 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 7137829 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1043306 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 7020449 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 8063755 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 13097084 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1052915 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1052915 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 277926998 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 107773 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 576800 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 704366 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 38630042 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 22069290 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 5 | 2195941 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CUSO INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | FHLB CHICAGO STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | CLF MEMBERSHIP STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | AFS-MORTG-BACKED SEC & CMOS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | AFS-FEDERAL AGENCY SEC |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 5 | AFS-OTHER DEBT SECURITIES |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 5 | F |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 14983459 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES EXCEPT FOR CERTAIN PRODUCTS AND SERVICES WHICH HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS) TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE. AS PRESENTED IN TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES IS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. IN MANAGEMENT'S OPINION, THE CREDIT UNION HAS NO UNRELATED TAXABLE BUSINESS INCOME AND NO ACCRUAL HAS BEEN RECORDED. TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, THE ESTIMATED LIABILITY FOR ANY POTENTIAL TAX ASSESSMENT WOULD NOT HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 6009716 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 64284212 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 13097084 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 277926998 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 14983459 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 14983459 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 13097084 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 142671 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 4172 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 12642 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 11769 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 8100 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | DENNIS SCHAEFER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 179354 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | THE BOARD OF DIRECTORS REVIEWS THE CEO'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON A SIGNED EMPLOYMENT CONTRACT. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 3 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990/ScheduleORequiredInd | 0 | 1 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.