Civic Intelligence

Scott Credit Union

990 • Fiscal year 2019 • EIN 37-0732817

Jan 01, 2019 to Dec 31, 2019 • Filed on Jul 15, 2020

Organization ProfileWWW.SCU.ORG

View Organization Page

101 Credit Union WayEdwardsville, IL 62025

(618) 345-1000

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.04x

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

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

2nd percentile

0.81x

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

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

16th percentile

12%

Higher net margin than 16% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

12th percentile

$532,327

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

16th percentile

4.0%

Faster asset growth than 16% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

15th percentile

6.4%

Faster revenue growth than 15% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$1,268,134,429

Up $48,530,149 (+4.0%) from 2018

Net Assets

Up

$1,212,729,118

Up $87,286,441 (+7.8%) from 2018

Liabilities

Down

$55,405,311

Down $38,756,292 (-41%) from 2018

Revenue And Expenses
Liabilities / Revenue2nd percentileNet Margin16th percentile

Revenue

Up

$68,652,150

Up $4,152,230 (+6.4%) from 2018

Expenses

Up

$60,320,609

Up $7,582,385 (+14%) from 2018

Net Income

Down

$8,331,541

Down $3,430,155 (-29%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth16th 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

2019

Assets$1,268,134,429
Liabilities$55,405,311
Net Assets$1,212,729,118
Open 2019 Filing

Operations Trend

Revenue Growth15th percentile

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

2019

Revenue$68,652,150
Expenses$60,320,609
Net Income$8,331,541
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jul 15, 2020
Return Version
2019v5.1
Gross Receipts
$68,652,150
Mission and Program Overview

Mission

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

To serve members needs by accepting deposits, granting loans and investmeng excess funds in a prudent manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$1,007,247,705$1,085,495,611▲ $78,247,906
Other Notes and Loans Receivable, Net$981,255,996$976,632,254▼ $4,623,742
Investments Program Related$148,670,580$200,227,225▲ $51,556,645
Rtn Earn Endowment Incm Other Fnds$118,194,972$127,233,507▲ $9,038,535
Land, Buildings, and Equipment, Net$31,477,789$33,831,904▲ $2,354,115
Cash and Non-Interest-Bearing Accounts$12,194,480$10,956,404▼ $1,238,076
Savings and Temporary Cash Investments$4,232,293$6,919,541▲ $2,687,248
Receivables From Officers Etc$6,444,542--
Accounts Receivable$4,459,034$4,458,987▼ $47
Prepaid Expenses and Deferred Charges$2,449,840$2,254,534▼ $195,306
Intangible Assets$340,046$464,234▲ $124,188
Total Assets$1,219,604,280$1,268,134,429▲ $48,530,149
Other Assets Total$28,079,680$32,389,346▲ $4,309,666
Liabilities
Other Liabilities$86,369,196$46,846,072▼ $39,523,124
Accounts Payable and Accrued Expenses$7,792,407$8,559,239▲ $766,832
Total Liabilities$94,161,603$55,405,311▼ $38,756,292
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,125,442,677$1,212,729,118▲ $87,286,441
Total Liabilities and Net Assets / Fund Balance$1,219,604,280$1,268,134,429▲ $48,530,149

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,129,286$12,691,925$31,821,211
Equipment$5,545,854$12,598,077$18,143,931
Land$6,614,294-$6,614,294
Leasehold Improvements$1,158,608$741,545$1,900,153
Other Land Buildings$1,383,862-$1,383,862
Investment Program Related Org$200,227,225--
Other Assets Org$32,389,346--
Compensation and Service Providers
Top Officer Pay12th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Frank M PadakCEOFT$450,657$88,670$532,327
Scott SeidlExec VPFT$288,843$50,553$339,396
Eric WaltenbergerMtg Loan OfficerFT$48,925$30,718$311,756
Chris BrownerCFOFT$219,839$52,860$265,699
Eric HamCIOFT$184,324$284,974$237,185
Carrie OconnorChief Lending OfficerFT$191,524$12,180$203,704
Adam KoishorChief Marketing OfficerFT$144,213$40,245$184,458
Scott PetersVP of FinanceFT$136,153$39,277$182,430
Linda FedrickCOOFT$138,307$34,995$173,302
Deanna OneillVP Human ResourcesFT$128,647$36,897$172,544
Dale BeardVP of Risk MgmntFT$124,541$44,141$169,182
Chris DavisVP of Sba LendingFT$110,225$45,636$155,361
Marna AsburyVP of MtgFT$107,081$47,360$154,441
Tony BakalarMtg Loan OfficerFT$114,855$34,112$148,967
Alicia KallalVP of Branch OperationsFT$113,386$35,547$148,933
Dave RothVP Lending Systems & AnalysisFT$95,018$42,282$137,300
Linda HickmanVP of Consumer LendingFT$68,294$24,666$92,960

Board Members and Trustees

NameTitle
William HostetterChairman
Lawrence HaffnerVice Chairman
George SconyersAssociate Director
Jacob CurtisAssociate Director
Joan OsabenAssociate Director
Christopher SobrinoDirector
Debbie LaneDirector
Mark WitkowskiDirector
Michele GehlbachDirector
Sarah HoldenerDirector
Betty RenthDirector Emeritus
Joanne CardenSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$64,355,709
Investment Income
$4,243,403
Other Revenue
$53,038
Change in Net Assets
$8,331,541

Audited Revenue Reconciliation

Revenue per Audited Statements
$68,546,074
Total Revenue per Audited Statements
$68,546,074
Total Revenue per Form 990
$68,546,074
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$40,164,547
Salaries, Compensation, and Employee Benefits$20,156,062
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$32,285,704--$32,285,704
Other Salaries and Wages$12,570,511--$12,570,511
Other Employee Benefits$3,166,248--$3,166,248
Current Officers, Directors, Trustees, and Key Employees$2,622,130--$2,622,130
Advertising$2,607,295--$2,607,295
Depreciation Depletion$2,518,270--$2,518,270
Interest$2,171,982--$2,171,982
Payroll Taxes$1,120,992--$1,120,992
Pension Plan Contributions$676,181--$676,181
Conferences and Meetings$305,725--$305,725
Insurance$275,571--$275,571
Total Functional Expenses$60,320,609$0$0$60,320,609

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$60,214,533
Total Expenses per Audited Statements$60,214,533
Total Expenses per Form 990$60,214,533
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
Section 527 Activity Spending$19,180
Total Exempt Function Spending$19,180
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$6,444,542--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Borrowed Funds$40,141,450
Other Liabilities$6,704,622
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 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
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

Members or stockholder classes and rights Part VI line 6

“All voting on the election of directors shall be by ballot, except when there is a no contest-(written ballots need not be cast) on election of directors, every shareholder has the right to vote the number of shares owned by for as many persons as there are directors to be elected. They may also cumulate their shares and give one candidate as many votes as the number of directors multiplied by the number of shares owned. Members that are not natural persons may cast a 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 may be adjourned from time to time.”

Member election for additional members Part VI line 7A

“All voting on the election of directors shall be by ballot except when there is no contest.”

Form 990 governing body review Part VI line 11

“The credit unions tax return is reviewed by the ceo”

CEO executive director top management comp Part VI line 15A

“Executive compensation is determined by the board of directors, who are independent volunteers. Their process includes a review of compensation data for executive positions at similar entities.”

Governing documents etc available to public Part VI line 19

“Documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Scott Credit Union
EIN
37-0732817
Address
101 CREDIT UNION WAY, EDWARDSVILLE, IL 62025

Signing Officer

Name
Scott Peters
Title
VP of Finance
Phone
6183451000
Signed
2020-07-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Frank M Padak
Formed
1943
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
8
Employees
361
Volunteers
12

Preparer

Firm
Gerald E Creasman CPA PA
Address
5915 Ponce De Leon Blvd Ste 24, Coral Gables, FL 33146
Preparer
Gerald E Creasman CPA
Phone
3055960903
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Increase in member deposits”

General explanation attachment

“Schedule c: political activities: the organizations only political activitiy is the contribution to credit union political action council the is reported in parts i-a and i-c of this schedule c 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/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF RISK MGMNT
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IRS990/Form990PartVIISectionAGrp/TitleTxt18CHIEF MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP LENDING SYSTEMS & ANALYSIS
IRS990/Form990PartVIISectionAGrp/TitleTxt22EXEC VP
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IRS990/Form990PartVIISectionAGrp/TitleTxt25MTG LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt26MTG LOAN OFFICER
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Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,268,134,429
Liabilities
$55,405,311
Net assets
$1,212,729,118
Revenue
$68,652,150
Expenses
$60,320,609
Net income
$8,331,541
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