Civic Intelligence

Three Rivers Community Credit Union

EIN 37-0740796 • 501(c)14

Profile

Nonprofit financial cooperative designed to promote thrift savings and provide credit at a reasonable cost to many.

1011 Oak Street62863

www.threeriverscreditunion.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2013

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

7th percentile

-99%

Higher net margin than 7% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

87th percentile

$166,724

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 37.1% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M 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 / AssetsScore unavailable

Assets

Down

$0

Down $12,326,871 (-100%) from 2012

Liabilities

Down

$0

Down $11,439,753 (-100%) from 2012

Net Assets

Down

$0

Down $887,118 (-100%) from 2012

Operations
Liabilities / Revenue35th percentileNet Margin7th percentile

Revenue

$448,840

No earlier filing loaded for comparison.

Expenses

Up

$892,925

Up $235,143 (+36%) from 2012

Net Income

-$444,085

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $12,063,010Liabilities 2010: $11,118,410Net Assets 2010: $944,6002010Assets 2011: $12,100,101Liabilities 2011: $11,205,571Net Assets 2011: $894,5302011Assets 2012: $12,326,871Liabilities 2012: $11,439,753Net Assets 2012: $887,1182012Assets 2013: $0Liabilities 2013: $0Net Assets 2013: $02013

Highlighted filing

2013

Assets$0
Liabilities$0
Net Assets$0
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $667,0092010Expenses 2011: $678,2862011Expenses 2012: $657,7822012Revenue 2013: $448,840Expenses 2013: $892,925Net Income 2013: -$444,0852013

Highlighted filing

2013

Revenue$448,840
Expenses$892,925
Net Income-$444,085
Open 2013 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$448,840
Expenses
$892,925
Net income
-$444,085
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.45$0.89$0.44
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.3$11.4$0.89$0.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.1$11.2$0.89$0.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.1$11.1$0.94$0.67
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Nov 30, 2013
Signed
Oct 15, 2014
Return Version
2013v3.0
Gross Receipts
$1,515,635
Mission and Program Overview

Mission

Nonprofit financial cooperative designed to promote thrift savings and provide credit at a reasonable cost to many.

Nonprofit credit union, providing competitive share returns and loans to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,688,615$0▼ $8,688,615
Investments Other Securities$2,115,905$0▼ $2,115,905
Rtn Earn Endowment Incm Other Fnds$887,118$0▼ $887,118
Savings and Temporary Cash Investments$804,418$0▼ $804,418
Land, Buildings, and Equipment, Net$179,978$0▼ $179,978
Cash and Non-Interest-Bearing Accounts$176,556$0▼ $176,556
Prepaid Expenses and Deferred Charges$46,168$0▼ $46,168
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$12,326,871$0▼ $12,326,871
Other Assets Total$315,231$0▼ $315,231
Liabilities
Other Liabilities$11,376,986$0▼ $11,376,986
Accounts Payable and Accrued Expenses$62,767--
Total Liabilities$11,439,753$0▼ $11,439,753
Net Assets / Fund Balance
Total Net Assets Fund Balance$887,118$0▼ $887,118
Total Liabilities and Net Assets / Fund Balance$12,326,871$0▼ $12,326,871
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Peggy CumminsCEO/secretary and TreasureFT$160,278$6,446$166,724

Board Members and Trustees

NameTitle
Harold MccoyChairperson
Glenn FischerVice Chairperson
Thomas LiddleBoard Member
Carolyn FulkSupervisory Committee Chai
James RichardsonSupervisory Committee Memb
Tomas BoseckerSupervisory Committee Memb

Highest Paid Contractors

ContractorServicesLocationCompensation
Bradford-scott Data CorporationCore System Provider-$140,689
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$484,611
Investment Income
$-35,771
Other Revenue
$0
Change in Net Assets
$-444,085
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$522,856
Salaries, Compensation, and Employee Benefits$362,384
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Information Technology---$188,135
Current Officers, Directors, Trustees, and Key Employees---$166,724
Other Salaries and Wages---$138,298
Office Expenses---$113,759
Depreciation Depletion---$69,756
Occupancy---$24,284
Payroll Taxes---$23,505
Insurance---$23,340
Other Employee Benefits---$20,258
Other Expenses---$17,759
Pension Plan Contributions---$13,599
Advertising---$7,789
Benefits to Members---$7,685
Conferences and Meetings---$6,450
Fees for Services Accounting---$2,389
Interest---$52
Total Functional Expenses$0$0$0$892,925
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union consists of members. Qualifications for membership are on file with the illinois department of financial and professional regulation.”

Form 990, Part VI, Section A, Line 7A

“The credit union's membership elect a board of directors each year at the annual meeting.”

Form 990, Part VI, Section B, Line 11

“A copy of form 990 is reviewed by the credit union's governing body prior to filing.”

Form 990, Part VI, Section C, Line 19

“Governing documents and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

EIN
37-0740796
Phone
6182633883

Signing Officer

Name
Ellen Meehan
Title
Senior Vice President
Phone
6182633883
Signed
2014-10-15

Organization Details

Principal Officer
Ellen Meehan
Formed
1942
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
6
Employees
6
Volunteers
0
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Transfer of assets to merged credit union -419,857.”

Raw XML Appendix367 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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IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0ALL CREDIT UNION ASSETS MERGED
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine10CORPORATE AMERICA FAMILY CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02013-12-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0360760135
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt011636473
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine102075 BIG TIMBER ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/City0ELGIN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/State0IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCode060123
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0PERSON(S) INVOLVED: AS OF THE MERGER, PEGGY CUMMINS, CEO OF THREE RIVERS COMMUNITY CREDIT UNION, AND HER STAFF BECAME EMPLOYEES OF CORPORATE AMERICA FAMILY CREDIT UNION. THE CREDIT UNION BECAME A BRANCH LOCATION.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2E:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION CONSISTS OF MEMBERS. QUALIFICATIONS FOR MEMBERSHIP ARE ON FILE WITH THE ILLINOIS DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION'S MEMBERSHIP ELECT A BOARD OF DIRECTORS EACH YEAR AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF FORM 990 IS REVIEWED BY THE CREDIT UNION'S GOVERNING BODY PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4TRANSFER OF ASSETS TO MERGED CREDIT UNION -419,857.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt012326871
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt012326871
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0892925
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt011439753
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt011439753
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0887118
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt06446
IRS990/TotalProgramServiceRevenueAmt0484611
IRS990/TotalReportableCompFromOrgAmt0160278
IRS990/TotalRevenueGrp/ExclusionAmt0-35771
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0484611
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0448840
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012326871
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101011 OAK STREET
IRS990/USAddress/City0MT CARMEL
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode062863
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.THREERIVERSCREDITUNION.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ELLEN MEEHAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SENIOR VICE PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06182633883
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-15
ReturnHeader/Filer/BusinessName/BusinessNameLine10THREE RIVERS COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0THRE
ReturnHeader/Filer/EIN0370740796
ReturnHeader/Filer/PhoneNum06182633883
ReturnHeader/Filer/USAddress/AddressLine101011 OAK STREET
ReturnHeader/Filer/USAddress/City0MT CARMEL
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode062863
ReturnHeader/ReturnTs02014-10-15T11:44:55-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-11-30
ReturnHeader/TaxYr02013

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