Civic Intelligence

Scott Credit Union

990 • Fiscal year 2013 • EIN 37-0732817

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 15, 2014

Organization Profilewww.SCU.org

View Organization Page

101 Credit Union WaySuite62025

(618) 345-1000

Siviq Scores

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

Liabilities / Assets

2nd percentile

0.01x

Higher debt load relative to assets than 2% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

3rd percentile

0.21x

Higher debt load relative to revenue than 3% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

95th percentile

30%

Higher net margin than 95% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

68th percentile

$439,870

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

56th percentile

4.7%

Faster asset growth than 56% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets2nd percentile

Assets

Up

$928,998,458

Up $41,476,457 (+4.7%) from 2012

Net Assets

Up

$918,743,525

Up $44,072,485 (+5.0%) from 2012

Liabilities

Down

$10,254,933

Down $2,596,028 (-20%) from 2012

Revenue And Expenses
Liabilities / Revenue3rd percentileNet Margin95th percentile

Revenue

$48,907,962

No earlier filing loaded for comparison.

Expenses

Up

$34,470,831

Up $2,106,233 (+6.5%) from 2012

Net Income

$14,437,131

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $694,237,890Liabilities 2010: $6,718,054Net Assets 2010: $687,519,8362010Assets 2011: $793,719,711Liabilities 2011: $8,818,063Net Assets 2011: $784,901,6482011Assets 2012: $887,522,001Liabilities 2012: $12,850,961Net Assets 2012: $874,671,0402012Assets 2013: $928,998,458Liabilities 2013: $10,254,933Net Assets 2013: $918,743,5252013Assets 2014: $1,040,158,460Liabilities 2014: $66,252,603Net Assets 2014: $973,905,8572014Assets 2015: $1,039,804,748Liabilities 2015: $10,810,943Net Assets 2015: $1,028,993,8052015Assets 2016: $1,092,616,184Liabilities 2016: $15,188,998Net Assets 2016: $1,077,427,1862016Assets 2017: $1,115,637,231Liabilities 2017: $18,648,084Net Assets 2017: $1,096,989,1472017Assets 2018: $1,219,604,280Liabilities 2018: $94,161,603Net Assets 2018: $1,125,442,6772018Assets 2019: $1,268,134,429Liabilities 2019: $55,405,311Net Assets 2019: $1,212,729,1182019Assets 2020: $1,455,808,260Liabilities 2020: $1,322,109,378Net Assets 2020: $133,698,8822020Assets 2021: $1,647,347,103Liabilities 2021: $1,506,326,357Net Assets 2021: $141,020,7462021Assets 2022: $1,751,826,315Liabilities 2022: $1,613,825,374Net Assets 2022: $138,000,9412022Assets 2023: $1,741,583,732Liabilities 2023: $1,597,906,829Net Assets 2023: $143,676,9032023Assets 2024: $1,745,004,988Liabilities 2024: $1,592,503,489Net Assets 2024: $152,501,4992024

Highlighted filing

2013

Assets$928,998,458
Liabilities$10,254,933
Net Assets$918,743,525
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0-$50MExpenses 2010: $26,801,8492010Expenses 2011: $30,129,0422011Expenses 2012: $32,364,5982012Revenue 2013: $48,907,962Expenses 2013: $34,470,831Net Income 2013: $14,437,1312013Revenue 2014: $52,126,205Expenses 2014: $56,348,837Net Income 2014: -$4,222,6322014Revenue 2015: $52,808,385Expenses 2015: $41,430,913Net Income 2015: $11,377,4722015Revenue 2016: $57,373,351Expenses 2016: $42,689,588Net Income 2016: $14,683,7632016Revenue 2017: $55,518,098Expenses 2017: $45,758,222Net Income 2017: $9,759,8762017Revenue 2018: $64,499,920Expenses 2018: $52,738,224Net Income 2018: $11,761,6962018Revenue 2019: $68,652,150Expenses 2019: $60,320,609Net Income 2019: $8,331,5412019Revenue 2020: $69,277,943Expenses 2020: $64,773,713Net Income 2020: $4,504,2302020Revenue 2021: $74,654,217Expenses 2021: $66,970,715Net Income 2021: $7,683,5022021Revenue 2022: $84,339,279Expenses 2022: $75,829,501Net Income 2022: $8,509,7782022Revenue 2023: $105,927,391Expenses 2023: $96,614,257Net Income 2023: $9,313,1342023Revenue 2024: $120,951,375Expenses 2024: $114,208,098Net Income 2024: $6,743,2772024

Highlighted filing

2013

Revenue$48,907,962
Expenses$34,470,831
Net Income$14,437,131
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 15, 2014
Return Version
2013v3.1
Gross Receipts
$48,954,571
Mission and Program Overview

Mission

Served members' interests by accepting deposits, granting loans, and investing excess funds in a prudent manner

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$788,481,081$824,422,403▲ $35,941,322
Other Notes and Loans Receivable, Net$722,832,557$772,399,690▲ $49,567,133
Rtn Earn Endowment Incm Other Fnds$86,189,959$94,321,122▲ $8,131,163
Savings and Temporary Cash Investments$93,088,023$87,610,401▼ $5,477,622
Land, Buildings, and Equipment, Net$33,540,077$32,879,656▼ $660,421
Cash and Non-Interest-Bearing Accounts$14,954,398$13,944,144▼ $1,010,254
Investments Program Related$8,253,560$8,746,948▲ $493,388
Investments in Publicly Traded Securities$3,220,626$1,583,923▼ $1,636,703
Receivables From Officers Etc$1,273,585$1,223,521▼ $50,064
Prepaid Expenses and Deferred Charges$755,891$867,313▲ $111,422
Accounts Receivable$173,562$137,174▼ $36,388
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$887,522,001$928,998,458▲ $41,476,457
Other Assets Total$9,429,722$9,605,688▲ $175,966
Liabilities
Other Liabilities$6,645,862$5,158,603▼ $1,487,259
Accounts Payable and Accrued Expenses$6,205,099$5,096,330▼ $1,108,769
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$12,850,961$10,254,933▼ $2,596,028
Net Assets / Fund Balance
Total Net Assets Fund Balance$874,671,040$918,743,525▲ $44,072,485
Total Liabilities and Net Assets / Fund Balance$887,522,001$928,998,458▲ $41,476,457

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$20,893,304$6,659,263$27,552,567
Other Land Buildings$4,271,820$9,468,646$13,740,466
Land$7,459,421-$7,459,421
Leasehold Improvements$255,111$402,491$657,602
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Frank PadakChief Executive OfficerFT$325,000$114,870$439,870
Chris BrownerChief Financial OfficerFT$163,205$42,784$205,989
Betty RenthChairman-$178,099$27,890$205,989
Steve StrykerChief Operations OfficerFT$160,710$41,983$202,693
Carolyn ChoateDirector-$175,374$27,319$202,693
Craig BurkhardChief Loan OfficerFT$152,880$41,148$194,028
William HostetterVice Chairman-$166,824$27,204$194,028
Adam KoishorChief Marketing OfficerFT$166,755$11,540$178,295
Jon CumminsFormer OfficerFT$166,755$11,540$178,295
Roselyn AltmanSecretary-$123,900$25,430$149,330
Sheila ValloweAssociate Director-$119,918$25,808$145,726
Dale HuegenDirector-$118,199$24,737$142,936
Donald PierreDirector-$112,272$9,269$121,541

Board Members and Trustees

NameTitle
Brian WaldronVP Consumer Lending
Marna AsburyVP Mortgage
Dale BeardVP of Audit
Janice PyszkaVP of Employee Svcs.
Scott PetersVP of Finance
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$48,547,296
Investment Income
$360,666
Other Revenue
$0
Change in Net Assets
$14,437,131

Audited Revenue Reconciliation

Revenue per Audited Statements
$48,954,571
Revenue Not Reported on Financial Statements
$-46,609
Other Revenue Adjustments
$-46,609
Total Revenue per Audited Statements
$48,954,571
Total Revenue per Form 990
$48,907,962
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,189,398
Salaries, Compensation, and Employee Benefits$12,281,433
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,347,267
Depreciation Depletion---$2,333,405
Current Officers, Directors, Trustees, and Key Employees---$2,024,797
All Other Expenses---$2,001,685
Other Expenses---$1,770,610
Other Employee Benefits---$1,643,978
Occupancy---$1,394,133
Advertising---$1,269,756
Office Expenses---$1,044,851
Payroll Taxes---$837,989
Insurance---$797,021
Pension Plan Contributions---$427,402
Fees for Services Other---$258,169
Conferences and Meetings---$158,288
Fees for Services Accounting---$73,700
Fees for Services Legal---$53,521
Travel---$52,447
Total Functional Expenses$0$0$0$34,470,831

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$40,823,407
Expenses per Audited Statements$34,517,440
Total Expenses per Form 990$34,470,831
Expenses Not Reported on Form 990$6,305,967
Expenses Not Reported on Financial Statements$-46,609
Other Expense Adjustments$-46,609
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$15,515
Total Exempt Function Spending$15,515

Section 527 Organizations

OrganizationLocationAmount
36-3092340-$15,515
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,273,585$1,223,521▼ $50,064
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Clearing Account Payables$4,228,798
Unclaimed Checks$555,997
Deferred Compensation (457)$247,887
Deferred-other$125,921
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B

“The form is reviewed by the ceo of the credit union.”

Form 990, Part VI, Line 15A

“Ceo compensation is determined by the board of directors, who are independent volunteers. Their process includes a review of compensation data for ceo positions at similar entities. Information related to the ceo's compensation is delivered directly to the human resources department by the chairman of the board of directors.”

Form 990, Part VI, Line 15B

“Compensation for the other key officers of the organization is determined by the ceo and the vice president of human resources. They review compensation data for similar positions at similar entities as part of their process.”

Form 990, Part VI, Line 19

“AVAILABLE UPON REQUEST.”

PART VI SECTION A LINE 6 & 7A

“All voting on the election of directors shall be by ballot, except when there is no contest--written ballots need not be cast. On elections of directors, every shareholder has the right to vote the number of shares owned by him for as many persons as there are directors to be elected, or to cumulate the shares and give one candidate as many votes as the number of directors multiplied by the number of his shares shall equal; or distribute them on the same principle among as many candidates as he shall desire, except that a member other than a natural person may cast only a single vote through a delegated agent. All elections shall be determined by plurality vote and shall be by ballot except where there is no contest. In case of failure to elect, the meeting shall be adjourned from time to time.”

Filing and Contact Details

Filer

EIN
37-0732817
In Care Of
% SCOTT PETERS
Phone
6183451000

Signing Officer

Name
Scott Peters
Title
Vice President
Phone
6183451000
Signed
2014-08-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Frank Padak
Formed
1943
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
6
Employees
258

Preparer

Preparer
Gary G Genenbacher
Phone
2174292411
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Add: additional capital purchased by members $35,941,321 less: dividends paid on shares (6,305,967) change in net assets = $29,635,354”

Part IV Line 26 & Schedule L, Part II

“The organization does provide loans to interested persons but the terms were consistent with other member loans. No preferential treatment is given to any interested person.”

Financial Statement Notes

Part XI Line 4B

“Loss on sale of assets = -$46,609”

Part XII, Line 2D

“Dividends paid on shares $6,305,967”

Part XII, Line 4B

“Loss on sale of assets = -$46,609”

Schedule D, Part X

“Management has evaluated their income tax positions under the guidance included in asc 740. Based on their review, management has not identified any material uncertain tax positions to be recorded or disclosed in the financial statements.”

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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/TitleTxt0CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7ASSOCIATE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF OPERATIONS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF EMPLOYEE SVCS.
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP MORTGAGE
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt17FORMER OFFICER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01943
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-46609
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt048954571
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt0797021
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0407275
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0407275
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt08253560
IRS990/InvestmentsProgramRelatedGrp/EOYAmt08746948
IRS990/InvestmentsPubTradedSecGrp/BOYAmt03220626
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01583923
IRS990/IRPDocumentCnt038407
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016530400
IRS990/LandBldgEquipBasisNetGrp/BOYAmt033540077
IRS990/LandBldgEquipBasisNetGrp/EOYAmt032879656
IRS990/LandBldgEquipCostOrOtherBssAmt049410056
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt046609
IRS990/LoanOutstandingInd0false
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0SERVED MEMBERS' INTERESTS BY ACCEPTING DEPOSITS, GRANTING LOANS, AND INVESTING EXCESS FUNDS IN A PRUDENT MANNER
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt0874671040
IRS990/NetAssetsOrFundBalancesEOYAmt0918743525
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-46609
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-46609
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt01394133
IRS990/OfficeExpensesGrp/TotalAmt01044851
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09429722
IRS990/OtherAssetsTotalGrp/EOYAmt09605688
IRS990/OtherChangesInNetAssetsAmt029635354
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01643978
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DEBIT CARD PROGRAM EXPENSE
IRS990/OtherExpensesGrp/Desc3PROCESSING FEES
IRS990/OtherExpensesGrp/TotalAmt04219453
IRS990/OtherExpensesGrp/TotalAmt15500000
IRS990/OtherExpensesGrp/TotalAmt21262359
IRS990/OtherExpensesGrp/TotalAmt31770610
IRS990/OtherLiabilitiesGrp/BOYAmt06645862
IRS990/OtherLiabilitiesGrp/EOYAmt05158603
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt07347267
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0722832557
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0772399690
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0837989
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0427402
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0true
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0755891
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0867313
IRS990/PrincipalOfficerNm0FRANK PADAK
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt034143182
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt114404114
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt034143182
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt114404114
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0409746
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt021072216
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt048993278
IRS990/PYRevenuesLessExpensesAmt017038426
IRS990/PYSalariesCompEmpBnftPaidAmt011292382
IRS990/PYTotalExpensesAmt032364598
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt049403024
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01273585
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01223521
IRS990/ReconcilationRevenueExpnssAmt014437131
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt086189959
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt094321122
IRS990/SavingsAndTempCashInvstGrp/BOYAmt093088023
IRS990/SavingsAndTempCashInvstGrp/EOYAmt087610401
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/Form1120POLFiledInd0true
IRS990ScheduleC/InternalFundsContributedAmt015515
IRS990ScheduleC/PoliticalExpendituresAmt015515
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0363092340
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine10CREDIT UNION POL
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine20ACTION COUNCIL
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt015515
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine101807 WEST DIEHL ROAD PO BOX 3107
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City0NAPERVILLE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State0IL
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode0605667107
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO CREDIT UNION POLITICAL ACTION COUNCIL THAT IS REPORTED IN PARTS I-A AND I-C OF THIS SCHEDULE C.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE C, PART IV
IRS990ScheduleC/TotalExemptFunctionExpendAmt015515
IRS990ScheduleD/BuildingsGrp/BookValueAmt020893304
IRS990ScheduleD/BuildingsGrp/DepreciationAmt06659263
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt027552567
IRS990ScheduleD/ExpensesNotReportedAmt06305967
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0-46609
IRS990ScheduleD/ExpensesSubtotalAmt034517440
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt07459421
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt07459421
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0255111
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0402491
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0657602
IRS990ScheduleD/OtherExpensesIncludedAmt06305967
IRS990ScheduleD/OtherExpensesNotIncludedAmt0-46609
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt04271820
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt09468646
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt013740466
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04228798
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1247887
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2555997
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3125921
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLEARING ACCOUNT PAYABLES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DEFERRED COMPENSATION (457)
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2UNCLAIMED CHECKS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3DEFERRED-OTHER
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-46609
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-46609
IRS990ScheduleD/RevenueSubtotalAmt048954571
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0LOSS ON SALE OF ASSETS = -$46,609
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1DIVIDENDS PAID ON SHARES $6,305,967
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON SALE OF ASSETS = -$46,609
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT HAS EVALUATED THEIR INCOME TAX POSITIONS UNDER THE GUIDANCE INCLUDED IN ASC 740. BASED ON THEIR REVIEW, MANAGEMENT HAS NOT IDENTIFIED ANY MATERIAL UNCERTAIN TAX POSITIONS TO BE RECORDED OR DISCLOSED IN THE FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI LINE 4B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 4B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3SCHEDULE D, PART X
IRS990ScheduleD/TotalBookValueLandBuildingsAmt032879656
IRS990ScheduleD/TotalExpensesPerForm990Amt034470831
IRS990ScheduleD/TotalLiabilityAmt05158603
IRS990ScheduleD/TotalRevenuePerForm990Amt048907962
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt048954571
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt040823407

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$928,998,458
Liabilities
$10,254,933
Net assets
$918,743,525
Revenue
$48,907,962
Expenses
$34,470,831
Net income
$14,437,131
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,745$1,593$153$121$114$6.74
2023Detailed filing. Detailed filing data is available for this year.$1,742$1,598$144$106$96.6$9.31
2022Detailed filing. Detailed filing data is available for this year.$1,752$1,614$138$84.3$75.8$8.51
2021Detailed filing. Detailed filing data is available for this year.$1,647$1,506$141$74.7$67.0$7.68
2020Detailed filing. Detailed filing data is available for this year.$1,456$1,322$134$69.3$64.8$4.50
2019Detailed filing. Detailed filing data is available for this year.$1,268$55.4$1,213$68.7$60.3$8.33
2018Detailed filing. Detailed filing data is available for this year.$1,220$94.2$1,125$64.5$52.7$11.8
2017Detailed filing. Detailed filing data is available for this year.$1,116$18.6$1,097$55.5$45.8$9.76
2016Detailed filing. Detailed filing data is available for this year.$1,093$15.2$1,077$57.4$42.7$14.7
2015Detailed filing. Detailed filing data is available for this year.$1,040$10.8$1,029$52.8$41.4$11.4
2014Detailed filing. Detailed filing data is available for this year.$1,040$66.3$974$52.1$56.3$4.22
2013Detailed filing. Detailed filing data is available for this year.$929$10.3$919$48.9$34.5$14.4
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$888$12.9$875$32.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$794$8.82$785$30.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$694$6.72$688$26.8