Civic Intelligence

Blaw Knox Credit Union

990 • Fiscal year 2013 • EIN 37-0767426

Jan 01, 2013 to Dec 31, 2013 • Filed on May 13, 2014

Organization ProfileBKCU.NET
215 S 17th Street61938

(217) 235-0698

Siviq Scores

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

Liabilities / Assets

37th percentile

0.84x

Higher debt load relative to assets than 37% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

32nd percentile

15.78x

Higher debt load relative to revenue than 32% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

79th percentile

12%

Higher net margin than 79% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

40th percentile

$48,207

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 10.1% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

94th percentile

9.2%

Faster asset growth than 94% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M 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 / Assets37th percentile

Assets

Up

$9,014,970

Up $757,999 (+9.2%) from 2012

Net Assets

Up

$1,483,956

Up $57,857 (+4.1%) from 2012

Liabilities

Up

$7,531,014

Up $700,142 (+10%) from 2012

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin79th percentile

Revenue

$477,325

No earlier filing loaded for comparison.

Expenses

Up

$419,468

Up $54,800 (+15%) from 2012

Net Income

$57,857

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth94th percentile

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

$15M$10M$5.0M$0Assets 2010: $6,747,864Liabilities 2010: $5,509,187Net Assets 2010: $1,238,6772010Assets 2011: $7,385,299Liabilities 2011: $6,067,406Net Assets 2011: $1,317,8932011Assets 2012: $8,256,971Liabilities 2012: $6,830,872Net Assets 2012: $1,426,0992012Assets 2013: $9,014,970Liabilities 2013: $7,531,014Net Assets 2013: $1,483,9562013Assets 2014: $9,418,012Liabilities 2014: $7,915,906Net Assets 2014: $1,502,1062014Assets 2015: $9,624,694Liabilities 2015: $8,087,037Net Assets 2015: $1,537,6572015Assets 2016: $10,210,074Liabilities 2016: $8,549,180Net Assets 2016: $1,660,8942016Assets 2017: $10,283,303Liabilities 2017: $8,537,705Net Assets 2017: $1,745,5982017Assets 2018: $9,961,591Liabilities 2018: $8,119,211Net Assets 2018: $1,842,3802018Assets 2019: $10,547,382Liabilities 2019: $8,606,642Net Assets 2019: $1,940,7402019Assets 2020: $11,762,737Liabilities 2020: $9,725,642Net Assets 2020: $2,037,0952020Assets 2021: $13,391,002Liabilities 2021: $11,243,425Net Assets 2021: $2,147,5772021Assets 2022: $13,520,945Liabilities 2022: $11,310,219Net Assets 2022: $2,210,7262022Assets 2023: $13,618,331Liabilities 2023: $11,336,825Net Assets 2023: $2,281,5062023Assets 2024: $12,947,633Liabilities 2024: $10,556,990Net Assets 2024: $2,390,6432024

Highlighted filing

2013

Assets$9,014,970
Liabilities$7,531,014
Net Assets$1,483,956
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$800K$600K$400K$200K$0Expenses 2010: $350,2952010Expenses 2011: $348,3492011Expenses 2012: $364,6682012Revenue 2013: $477,325Expenses 2013: $419,468Net Income 2013: $57,8572013Revenue 2014: $464,930Expenses 2014: $446,780Net Income 2014: $18,1502014Revenue 2015: $478,563Expenses 2015: $443,012Net Income 2015: $35,5512015Revenue 2016: $492,285Expenses 2016: $369,048Net Income 2016: $123,2372016Revenue 2017: $515,831Expenses 2017: $431,127Net Income 2017: $84,7042017Revenue 2018: $508,658Expenses 2018: $411,876Net Income 2018: $96,7822018Revenue 2019: $520,125Expenses 2019: $421,765Net Income 2019: $98,3602019Revenue 2020: $521,547Expenses 2020: $425,192Net Income 2020: $96,3552020Revenue 2021: $527,304Expenses 2021: $416,822Net Income 2021: $110,4822021Revenue 2022: $480,934Expenses 2022: $417,785Net Income 2022: $63,1492022Revenue 2023: $574,295Expenses 2023: $488,887Net Income 2023: $85,4082023Revenue 2024: $671,338Expenses 2024: $562,201Net Income 2024: $109,1372024

Highlighted filing

2013

Revenue$477,325
Expenses$419,468
Net Income$57,857
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 13, 2014
Return Version
2013v3.0
Gross Receipts
$477,325
Mission and Program Overview

Mission

The Board has not adopted a mission statement

Operation of credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,831,018$5,448,474▼ $382,544
Investments Other Securities$1,962,667$2,818,125▲ $855,458
Rtn Earn Endowment Incm Other Fnds$1,426,099$1,483,956▲ $57,857
Cash and Non-Interest-Bearing Accounts$172,898$476,749▲ $303,851
Land, Buildings, and Equipment, Net$254,671$241,820▼ $12,851
Prepaid Expenses and Deferred Charges$32,085$26,170▼ $5,915
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$8,256,971$9,014,970▲ $757,999
Other Assets Total$3,632$3,632→ $0
Liabilities
Other Liabilities$6,817,033$7,503,195▲ $686,162
Accounts Payable and Accrued Expenses$13,839$27,819▲ $13,980
Total Liabilities$6,830,872$7,531,014▲ $700,142
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,426,099$1,483,956▲ $57,857
Total Liabilities and Net Assets / Fund Balance$8,256,971$9,014,970▲ $757,999

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$204,986$30,404$235,390
Equipment$4,224$61,882$66,106
Other Land Buildings$0$39,018$39,018
Land$32,610-$32,610
Other Securities$68,170--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debra BehlTreasurer/managerFT$42,026$6,181$48,207

Board Members and Trustees

NameTitle
Dennis CamfieldPresident
William LandrusVice President
Charles WadeBoard Member
John BertoletBoard Member
John McmillanBoard Member
Marvin BrannonBoard Member
Sherman WeaverBoard Member
Brenda HermanSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$448,034
Investment Income
$29,291
Other Revenue
$0
Change in Net Assets
$57,857
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$249,044
Salaries, Compensation, and Employee Benefits$170,424
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$99,248
Current Officers, Directors, Trustees, and Key Employees---$48,207
All Other Expenses---$39,184
Insurance---$30,701
Other Expenses---$13,560
Depreciation Depletion---$12,851
Office Expenses---$12,806
Advertising---$11,473
Payroll Taxes---$11,356
Other Employee Benefits---$9,146
Fees for Services Accounting---$8,552
Fees for Services Legal---$4,452
Pension Plan Contributions---$2,467
Conferences and Meetings---$1,937
Occupancy---$1,514
Total Functional Expenses$0$0$0$419,468
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares Held by Members$7,503,195
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
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 2

“Two members of the board of directors, brenda herman and dennis camfield, have a family relationship.”

Form 990, Part VI, Section A, Line 6

“Only one class of member. Any person who meets the qualifications of a member, as outlined in the bylaws of the credit union, has a right to participate in the election of the board of directors.”

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

“Board of directors are elected by the credit union members each year at the credit union's annnual meeting.”

Form 990, Part VI, Section B, Line 11

“The form 990 was prepared by the cpa firm. Once completed, the treasurer reviewed the form and approved for processing. Once the final form 990 was completed, a copy was distributed to each member of the board of directors at the monthly board meeting prior to the filing deadline and filing of the form 990.”

Form 990, Part VI, Section B, Line 15

“Form 990, part vi, section b, line 15: each year, the board of directors reviews the salary of its employees. The treasurer/office manager is excused from the meeting before the discussion. This independent board reviews the salaries and documents the discussion in the minutes.”

Form 990, Part VI, Section C, Line 19

“Governing documents and policies are available upon request. Financial statements are posted in the credit union's lobby.”

Filing and Contact Details

Filer

EIN
37-0767426
Phone
2172350698

Signing Officer

Name
Dennis Camfield
Title
Chairman
Phone
2172350698
Signed
2014-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dennis Camfield
Formed
1957
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
8
Employees
6
Volunteers
9

Preparer

Preparer
Brian Daniell
Phone
2172354747
Raw XML Appendix349 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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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0241820
IRS990ScheduleD/TotalBookValueSecuritiesAmt02818125
IRS990ScheduleD/TotalLiabilityAmt07503195
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TWO MEMBERS OF THE BOARD OF DIRECTORS, BRENDA HERMAN AND DENNIS CAMFIELD, HAVE A FAMILY RELATIONSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ONLY ONE CLASS OF MEMBER. ANY PERSON WHO MEETS THE QUALIFICATIONS OF A MEMBER, AS OUTLINED IN THE BYLAWS OF THE CREDIT UNION, HAS A RIGHT TO PARTICIPATE IN THE ELECTION OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS EACH YEAR AT THE CREDIT UNION'S ANNNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 WAS PREPARED BY THE CPA FIRM. ONCE COMPLETED, THE TREASURER REVIEWED THE FORM AND APPROVED FOR PROCESSING. ONCE THE FINAL FORM 990 WAS COMPLETED, A COPY WAS DISTRIBUTED TO EACH MEMBER OF THE BOARD OF DIRECTORS AT THE MONTHLY BOARD MEETING PRIOR TO THE FILING DEADLINE AND FILING OF THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FORM 990, PART VI, SECTION B, LINE 15: EACH YEAR, THE BOARD OF DIRECTORS REVIEWS THE SALARY OF ITS EMPLOYEES. THE TREASURER/OFFICE MANAGER IS EXCUSED FROM THE MEETING BEFORE THE DISCUSSION. THIS INDEPENDENT BOARD REVIEWS THE SALARIES AND DOCUMENTS THE DISCUSSION IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt08256971
IRS990/TotalAssetsEOYAmt09014970
IRS990/TotalAssetsGrp/BOYAmt08256971
IRS990/TotalAssetsGrp/EOYAmt09014970
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0419468
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06830872
IRS990/TotalLiabilitiesEOYAmt07531014
IRS990/TotalLiabilitiesGrp/BOYAmt06830872
IRS990/TotalLiabilitiesGrp/EOYAmt07531014
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01426099
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01483956
IRS990/TotalOtherCompensationAmt06181
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt028229
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt028229
IRS990/TotalProgramServiceRevenueAmt0448034
IRS990/TotalReportableCompFromOrgAmt042026
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0477325
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0477325
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08256971
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt09014970
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10215 S 17TH STREET
IRS990/USAddress/City0MATTOON
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode061938
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0HTTP://BKCU.NET
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS CAMFIELD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum02172350698
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10BLAW KNOX CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BLAW
ReturnHeader/Filer/EIN0370767426
ReturnHeader/Filer/PhoneNum02172350698
ReturnHeader/Filer/USAddress/AddressLine10215 S 17TH STREET
ReturnHeader/Filer/USAddress/City0MATTOON
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode061938
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0370980065
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10WEST & COMPANY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10613 BROADWAY AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0MATTOON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode061938
ReturnHeader/PreparerPersonGrp/PhoneNum02172354747
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRIAN DANIELL
ReturnHeader/ReturnTs02014-05-14T15:52:23-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$9,014,970
Liabilities
$7,531,014
Net assets
$1,483,956
Revenue
$477,325
Expenses
$419,468
Net income
$57,857
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$12.9$10.6$2.39$0.67$0.56$0.11
2023Detailed filing. Detailed filing data is available for this year.$13.6$11.3$2.28$0.57$0.49$0.09
2022Detailed filing. Detailed filing data is available for this year.$13.5$11.3$2.21$0.48$0.42$0.06
2021Detailed filing. Detailed filing data is available for this year.$13.4$11.2$2.15$0.53$0.42$0.11
2020Detailed filing. Detailed filing data is available for this year.$11.8$9.73$2.04$0.52$0.43$0.10
2019Detailed filing. Detailed filing data is available for this year.$10.5$8.61$1.94$0.52$0.42$0.10
2018Detailed filing. Detailed filing data is available for this year.$9.96$8.12$1.84$0.51$0.41$0.10
2017Detailed filing. Detailed filing data is available for this year.$10.3$8.54$1.75$0.52$0.43$0.08
2016Detailed filing. Detailed filing data is available for this year.$10.2$8.55$1.66$0.49$0.37$0.12
2015Detailed filing. Detailed filing data is available for this year.$9.62$8.09$1.54$0.48$0.44$0.04
2014Detailed filing. Detailed filing data is available for this year.$9.42$7.92$1.50$0.46$0.45$0.02
2013Detailed filing. Detailed filing data is available for this year.$9.01$7.53$1.48$0.48$0.42$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.26$6.83$1.43$0.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.39$6.07$1.32$0.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.75$5.51$1.24$0.35