Civic Intelligence

Blaw Knox Credit Union

990 • Fiscal year 2016 • EIN 37-0767426

Jan 01, 2016 to Dec 31, 2016 • Filed on May 04, 2017

Organization ProfileBKCU.NET
215 S 17th StreetMattoon, IL 61938

(217) 235-0698

Siviq Scores

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

Liabilities / Assets

33rd percentile

0.84x

Higher debt load relative to assets than 33% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

34th percentile

17.37x

Higher debt load relative to revenue than 34% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

94th percentile

25%

Higher net margin than 94% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

27th percentile

$56,723

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 11.5% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

82nd percentile

6.1%

Faster asset growth than 82% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

53rd percentile

2.9%

Faster revenue growth than 53% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Up

$10,210,074

Up $585,380 (+6.1%) from 2015

Net Assets

Up

$1,660,894

Up $123,237 (+8.0%) from 2015

Liabilities

Up

$8,549,180

Up $462,143 (+5.7%) from 2015

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin94th percentile

Revenue

Up

$492,285

Up $13,722 (+2.9%) from 2015

Expenses

Down

$369,048

Down $73,964 (-17%) from 2015

Net Income

Up

$123,237

Up $87,686 (+247%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth82nd 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

2016

Assets$10,210,074
Liabilities$8,549,180
Net Assets$1,660,894
Open 2016 Filing

Operations Trend

Revenue Growth53rd percentile

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

2016

Revenue$492,285
Expenses$369,048
Net Income$123,237
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 4, 2017
Return Version
2016v3.0
Gross Receipts
$492,285
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$5,171,126$5,661,195▲ $490,069
Investments Other Securities$3,864,719$4,066,155▲ $201,436
Rtn Earn Endowment Incm Other Fnds$1,537,657$1,660,894▲ $123,237
Land, Buildings, and Equipment, Net$245,468$240,647▼ $4,821
Cash and Non-Interest-Bearing Accounts$308,346$212,229▼ $96,117
Prepaid Expenses and Deferred Charges$31,403$26,216▼ $5,187
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$9,624,694$10,210,074▲ $585,380
Other Assets Total$3,632$3,632→ $0
Liabilities
Other Liabilities$8,051,277$8,503,009▲ $451,732
Accounts Payable and Accrued Expenses$35,760$46,171▲ $10,411
Total Liabilities$8,087,037$8,549,180▲ $462,143
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,537,657$1,660,894▲ $123,237
Total Liabilities and Net Assets / Fund Balance$9,624,694$10,210,074▲ $585,380

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$198,102$51,320$249,422
Equipment$9,935$79,323$89,258
Other Land Buildings$0$39,018$39,018
Land$32,610-$32,610
Other Securities$80,513--
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
April CizekTreasurer/managerFT$47,475$9,248$56,723

Board Members and Trustees

NameTitle
Dennis CamfieldPresident
William LandrusVice President
Brian SmithBoard Member
Charles WadeBoard Member
John McmillanBoard Member
Marvin BrannonBoard Member
Nicolas HouserBoard Member
Brenda HermanSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$439,124
Investment Income
$53,161
Other Revenue
$0
Change in Net Assets
$123,237
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$200,449
Salaries, Compensation, and Employee Benefits$168,599
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$86,355
Current Officers, Directors, Trustees, and Key Employees---$56,723
All Other Expenses---$31,373
Payroll Taxes---$16,843
Other Expenses---$15,583
Depreciation Depletion---$12,572
Advertising---$12,480
Office Expenses---$12,417
Fees for Services Accounting---$10,703
Other Employee Benefits---$8,072
Fees for Services Legal---$3,385
Conferences and Meetings---$3,215
Insurance---$3,196
Occupancy---$1,324
Pension Plan Contributions---$606
Total Functional Expenses$0$0$0$369,048
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$8,503,009
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 11B

“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

“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

Filer Name
Blaw Knox Credit Union
EIN
37-0767426
Phone
2172350698
Address
215 S 17TH STREET, MATTOON, IL 61938

Signing Officer

Name
Dennis Camfield
Title
Chairman
Phone
2172350698
Signed
2017-05-04
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
4
Volunteers
9

Preparer

Firm
West & Company LLC
Address
613 BROADWAY AVE, MATTOON, IL 61938
Preparer
Alex Hagen
Phone
2172354747
Raw XML Appendix356 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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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03985642
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt180513
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CORPORATE CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1NCUA SHARE INSURANCE CAPITALIZATION
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0240647
IRS990ScheduleD/TotalBookValueSecuritiesAmt04066155
IRS990ScheduleD/TotalLiabilityAmt08503009
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/ExplanationTxt4EACH 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 11B
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/TotalAssetsBOYAmt09624694
IRS990/TotalAssetsEOYAmt010210074
IRS990/TotalAssetsGrp/BOYAmt09624694
IRS990/TotalAssetsGrp/EOYAmt010210074
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0369048
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08087037
IRS990/TotalLiabilitiesEOYAmt08549180
IRS990/TotalLiabilitiesGrp/BOYAmt08087037
IRS990/TotalLiabilitiesGrp/EOYAmt08549180
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01537657
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01660894
IRS990/TotalOtherCompensationAmt09248
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt061994
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt061994
IRS990/TotalProgramServiceRevenueAmt0439124
IRS990/TotalReportableCompFromOrgAmt047475
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0492285
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0492285
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09624694
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010210074
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0215 S 17TH STREET
IRS990/USAddress/CityNm0MATTOON
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061938
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0HTTP://BKCU.NET
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS CAMFIELD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum02172350698
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BLAW KNOX CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BLAW
ReturnHeader/Filer/EIN0370767426
ReturnHeader/Filer/PhoneNum02172350698
ReturnHeader/Filer/USAddress/AddressLine1Txt0215 S 17TH STREET
ReturnHeader/Filer/USAddress/CityNm0MATTOON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061938
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId06C9B1A35775087DBDB8A6D25ECA509C7F6C27838
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId06C9B1A35775087DBDB8A6D25ECA509C7F6C27838
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt066.116.56.51
ReturnHeader/FilingSecurityInformation/IPDt02017-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm013:06:29
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0370980065
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WEST & COMPANY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0613 BROADWAY AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MATTOON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd061938
ReturnHeader/PreparerPersonGrp/PhoneNum02172354747
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ALEX HAGEN
ReturnHeader/ReturnTs02017-05-10T13:03:51-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,210,074
Liabilities
$8,549,180
Net assets
$1,660,894
Revenue
$492,285
Expenses
$369,048
Net income
$123,237
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